observations of an 8 week old twitter user

Ok, admittedly it’s been more like 11 weeks, but really my Twitter use is very much in its infancy.  At this point, we’re still counting my age in weeks.  Weeks. 

Yes I was late to the game but it took a long time before someone succinctly explained why I would like Twitter.  While I don’t recall having anyone say something specifically stunning, the suggestion that I would like the forum came from so many places in my life I finally gave it a whirl. 

Incidentally I signed up for Pinterest the same day and I’m not so much loving it.  And while I’m fessing up, with LinkedIn I continue to fail to find the a-ha so far, but I’m keeping it on the ‘not dumped yet’ list.

In many ways we are living through a very intensive and interesting change in consumer conduct and interaction.  The mobility of the average consumer makes them that much more in tune with their options beyond what is available to them.  The internet has become the best and worst gossip venue - ever.  So while you have to temper what you read with not only what value the opinion has for you but also whether or not it is an anomaly, it is now almost impossible to continue to deliver bad service without the word getting out.  Combine that with changing delivery methods for shopping as the retail space tries to figure out how keep abreast of very diverse habits, it’s almost like the Wild West out there.

As a consumer, and acutely observant of my own behaviour, and all while trying to not to get too far off on a tangent, I can’t help but notice, that I tend to browse on line but want to experience the item in person before committing to it, with rare exception.  However a liberal and easy to use return policy can be used to sway me.  And I’m slowly learning who employs a really good in-house photographer.  On the other hand I think the drug and grocery store industry is completely missing the boat.  But again I’m trying to stay on point and the point is; we’re changing the way we consume.

As already discussed in this space my limited interaction with companies via Twitter has been fascinating.  And influential.  While I’m astounded at some of the responses from companies I really don’t expect much from, I’m equally perplexed by companies that I expect to be on top of things, being not on the ball.

Influenced so much that I am considering whether or not to continue to shop at retailers that choose not to interact directly with their consumers when tweeted directly.  Ikea I’m looking at you, and I like Ikea, or I did, but now I’m on the fence.

On the other side of the coin, I’ve recently been blown away by responses from Greyhound, which is often on my top ten list of annoying but essential companies that I must deal with because I have no car.  Yes their reply was pedestrian but it was prompt.  And believe me when I say I’ve complained to Greyhound over the years, via e-mail, phone and in person essentially to no end.  PC Financial falls into this odd space too, as I didn’t even use their handle in my complaint, again a canned response but still a response.

The only issue that will come of this canned ‘thank you for your feedback’ responding is that it will quickly smell of what a good friend calls the ‘PFO’.  Back in the day when you went to a job interview and didn’t get the job, eventually you’d get a form letter, addressed to you via mail merge, basically saying ‘Thank you for your time, Please Fuck Off’ and then you knew for certain the job wasn’t yours.  Of course as I write about it, this feels so quaint.   Now you’re to assume that your resume fell into a big vat of computer rejected filters and you and all links to you were deleted upon receipt. 

So as Christmas approaches and I’m forced into the mall to shop for others on a deadline, with people who generally avoid the mall, do I consider taking up the challenge and confining my dollars to those who are harnessing the Twitterverse, early, and in novel ways?

so you want to divorce your bank?!

Oh.  My.  God leaving your bank is difficult.  After *cough years with one of the blue banks, I started to feel that my faithfulness and invested money maybe wasn’t getting the best treatment.  And so I started shopping around and discovered all sorts of free chequing accounts available and perhaps even worse that my own bank was waiving fees for those with multiple accounts – like me.  But not like me because nobody ever mentioned this offer to me.  In spite of the fact that they telemarketed me at least three times a week and didn’t leave a message.  Needless to say after banking at the same place since I was a teenager, I decided I was done.  I walked my butt over to one of the red banks and signed myself up for a new free chequing account.  Then I started moving all the prearranged payments company by company to the new account.  Then I moved my RSP.  Then I applied for a line of credit.  Then I waited. 

At this point it’s been almost 8 weeks and we’re still waiting on some of this and honestly, it might be easier to divorce a spouse than a major financial institution.

First, it takes you about 3 pay cycles to figure out what comes out of your account and when.  Or at least it did for me.  Then it takes each of them about 3 weeks to move these so you need another pay cycle to confirm that the move was made.  So I get paid bi-monthly.  If I remembered on the 13^th that something came out of my account on the 15^th, and I called to make new arrangements, because I remembered so late, it took another month to confirm that everything was hunky dory. 

Secondly it takes 4 to 6 weeks and some paperwork to move an RSP.  And dealing with a venue-less bank means you do all of this over the phone and (eek) fax.  And if you’re like me, they keep sending your confirmations to your misspelled e-mail address.  Which is almost like not sending them at all.

You will have to remember and repeat a lot of things about your financial life to many people many times.  Have you ever missed a bill payment? Answer ‘Never’, ‘Occasionally’, ‘Often’.  So there’s no point in fibbing because you’ve just given six people permission to pull your credit report, but honestly the only answer reasonable is ‘Occasionally’ because yes, I probably forgot to post a payment once or twice in the 20 odd years I’ve had to pay a bill.

You will also learn a few new idiosyncrasies of your new financial institutions.   Among them PC Financial makes it so difficult to set up a credit card password that, if you’re like me, you will forget it instantly completely eradicating its effectiveness.  And if you are on hold with ING as much as I have been of late you will notice that they play only songs with the word ‘Money’ in them on their hold music.  It’s actually quite entertaining.

Finally, you will have to toggle between two institutions until this is completed because otherwise you’re just writing cheques to yourself and having to go into the bank branch – which I have spent the better part of *cough years avoiding.

Hopefully all this malarkey will be over shortly as soon as move the last of the balances over to one of my 

two new red institutions and finally give the blue bank the one finger salute goodbye.

I have a bottle of bubbly on ice for when this absurdity is finally over.  And other one for the un-cabling of Rogers.  Which is next.  But not for awhile because if you’re like me, there’s only so much of this you can take.