Tag Archives: observations

Define “next business day,” Trustco

Looking over the business checking account the other day, I noticed something weird. Apparently, I’d been dinged with a $36 insufficient funds charge. I was more than a little surprised since the charge was levied on Tuesday, June 20 and I had deposited a substantial certified check, via the ATM, on 6/17.

I find myself using the ATM quite a bit these days. It’s like banking on your own hours and it’s really convenient. When I made that particular deposit, the slip I received quite clearly said “deposit posts on 6/19.” When I followed up with the branch, I was given an explanation that kind of feels like bullshit, but maybe you can help me understand?

Here’s what I was told: the ATM clearly says that deposits post on the next business day. Now, if I made a deposit on Saturday the 17th, in my mind the next business day is Monday the 19th. Well, that’s not how Trustco (and maybe every other bank in the universe) sees things. Saturday’s transactions actually get credited on Tuesday. So, even though the slip says “deposit posts on 6/19,” they meant 6/20, which is the day that the bank elected to charge $36 prior to crediting that $10,000+ deposit.

Is it really any wonder that people seem to be moving to credit unions?

Ultimately, I was able to have the charge reversed, but I didn’t like feeling as if Trustco was doing me a favor. In fact, I kind of think I’m doing them a favor with my 5 accounts and mortgage.

Banks need to start making sense.

1 Comment

Filed under Local, musings, Random, Rant, Uncategorized

Turn the page

As of 4:55 on a Wednesday in June, I no longer belong to the ranks of business owner – and it feels great. The transaction was as low-key and undramatic as are all of the involved parties. The deal was put together without realtor representation and the terms were easily agreed upon with minimal negotiation. I walked out of the attorney’s office downtown positively elated.

Don’t get me wrong, there have been moments in the past few months when I had twinges of regret and times when I had to fight against a feeling of having failed. Maybe if I had done X or Y differently, perhaps I needed to stick it out longer or make dramatic changes to achieve the level of success necessary to make remaining in business an appealing prospect. Ultimately though, I know this was the right move. I can return to what I do best and enjoy most – providing hospitality. Later, for you Quickbooks and Paychex. We’re officially over.

The experience of owning a business has been life changing. I tried something I never imagined doing. I stretched myself thinner than ever before and did not allow myself to get broken. It was more than, as I overheard one of my former employees say, “that old cliche, a waitress who thinks she can be an owner.” See, unlike the person who uttered that statement, I could be an owner. It just didn’t bring me joy and joy, not money, not ego, is the currency of my life.

I’m so excited to witness the success of Mio Posto and to play even a small part in that goal. I’ve worked a couple of nights already and Danny’s food is exactly at the level that I knew it would be – creative, high quality and composed with passion and professionalism. It’s wonderful. I wasn’t certain how it would feel to be “just” an employee, but I’m really happy to fill that role and to realize that my pride comes from providing guests with a memorable dining experience, not from signing paychecks.

2 Comments

Filed under Albany, Lark Street, Observations, Restaurants

Fear of travel

0E881A25-33E1-4C32-9729-A2DD5FE4859D-1489-0000010B789793A8

I had a conversation recently with a woman a bit older than I. She was retiring from a job she had held for 15 or 20 years, a job she had done very well for all of those years. It hadn’t paid her much, but her true calling had been motherhood and she had only taken the job after her children were well on their way to being grown.

Now that retirement was imminent, we talked about what she would do with her time. The topic of travel came up and she expressed how uncomfortable she was about going somewhere she’d never been before without the company of someone who had traveled previously to wherever that destination might be. I nodded as the words bounced around in my head…thinking…wait! How in the world do you ever go somewhere new? Are you saying you’re afraid to ever leave home? How does a competent, intelligent woman allow fear to limit her horizons?

International terrorist attacks are happening with increasing frequency. We’ve all seen it – there’s truly no safe place. Church, work, markets, concert venues, airports, train stations, all have witnessed the deaths of innocent people around our world. I’m not even including the tremendous losses we’ve suffered in the U.S. to gun violence – in schools, night clubs and office buildings. The world is a dangerous place.

There are things that scare me, too. I hate to fly because the more often I do it, the greater I think the odds are for a bad outcome. I don’t like heights or crowds and there are places I’d be hesitant to go to without the company of someone native, like Turkey or Indonesia. But, the world is also a remarkably beautiful place filled with people from whom we can learn. Visiting new places, observing customs and absorbing history and culture are one of life’s greatest gifts. It enriches us beyond any other experience, in my opinion, and I dedicate a lot of my expendable income on collecting memories in new locales. It’s money well spent.

Diminishing our lives as we seek to preserve them seems counter productive to me. If something ever happens to me when I’m traveling, reread this post and know that I wouldn’t have wanted it to be any other way. I’m way more afraid of not seeing everything possible than I am of dying while trying.

2 Comments

Filed under aging, beauty, musings, road trips, travel

Humor is kind of funny

humor-1We’ve probably all, at one time or another, told a joke or attempted a prank that simply fell flat. The timing was off, perhaps, or maybe our audience just didn’t have an appreciation for whatever it was that we personally found to be amusing. It happens.

In the past week there have been two instances when, I think, people were trying to be funny, yet their actions were perceived as anything but humorous. One of these situations was a stunt performed on social media, the other in a much smaller, yet still public manner. Neither felt particularly funny to me.

The image that Kathy Griffin tweeted out was nothing short of repulsive. It’s no secret that I find Donald Trump to be despicable, but the tasteless depiction of his decapitated and bloody head was just beyond the limits of acceptability. It was gruesome in a way that didn’t tickle my funny bone, but instead turned my stomach. I won’t link to it and prefer to not see it again because it doesn’t make me imagine a world without Trump, but instead reminds me of human beings who have actually suffered that exact fate at the hands of violent regimes. Remember James Foley? Daniel Pearl? Steven Sotloff? It’s not funny.

Last Friday was the final night my restaurant was open for business. It was busy and I was really happy to see so many guests who felt compelled to share this last night with us on Lark Street. It felt like a big hug, to be honest and I really appreciated the presence of each of those positive people. There was, however, a dark cloud hanging over what was such an affirmative night.

For some reason, maybe irony or humor, my staff elected to all wear t-shirts or tank tops that were purchased by the owner of the previous business to have been in the 200 Lark space, The Wine Bar and Bistro on Lark. When I noticed the first one, I thought it was kind of funny, but when I realized that each of them was wearing clothing that advertised a business that hadn’t been open for close to two years on my business’ last night, it didn’t feel humorous at all. It felt mean.

I’m all about irony and if I had been included in the joke (hey, I have two of those shirts myself!), I truly believe it would have been a great gag. I would have loved a group photo of all of us wearing those shirts to have been our final image on our social media pages. Instead, though, I was left feeling utterly disappointed, which I suppose is better than disgusted on the spectrum of negative emotions. What I wasn’t doing was laughing.

Leave a comment

Filed under News, Observations, Restaurants, Uncategorized

Postscript L+L

There are so many thoughts and ideas bouncing around in my head about my experience as a business owner. It’s like too many, almost, and the words are choking me instead of flying out of my mouth. I can’t settle on where to start.

Other than with Day 1.

Waking up Saturday morning was different. The entire day ahead was completely my own and immediately it felt new. Don’t get me wrong. I’ve had other days off when I had no professional responsibilities to address, but after knocking off the banking and the daily journal, there was nothing left for me to do, nothing further to take care of.

It was Day 1 of not owning a restaurant, the perfect day to begin processing the experience of owning a restaurant.

Well…

  • Owning a restaurant is like adopting a family.
  • Owning a restaurant is more stressful than you can ever imagine.
  • Owning a restaurant is unequal parts challenging and inspiring.
  • Owning a restaurant taught me so much.

Each of those above bullets deserves its own spotlight. Stay tuned.

Leave a comment

Filed under Local, musings, Observations, Restaurants, stress, Uncategorized

Guardians of the Galaxy, v2

It had been a pretty terrific Monday. I got to the bank, took care of payroll for the second to last time and had a reasonably productive day at work. Dinner was takeout, restaurant kitchen linens were in the washer (for the last time) and Quinn and I made it to the Spectrum in time for all the previews. We had flow.

Sitting in the dark theater next to him and watching Guardians of the Galaxy 2 was more fun than I expected. I had fallen asleep, more than once, to the first Guardians movie and I had imagined something similar happening tonight. Surprisingly, though, that didn’t happen and I remained awake for the entire 2+ hours. The movie was entertaining with a likable cast, great soundtrack and gratuitous shots of Chris Pratt’s chiseled abs. It was a great escape.

As the credits ran, I told Quinn I’d meet him in the lobby because I wanted to use the bathroom. I reached for my phone to check the time as I waited for him, post-potty break. The alert from the NYT was the first thing I saw: 19 Dead in Terrorist Attack in England My brain’s immediate response: For f*ck’s sake. When will this stop? Can’t we just go to a Monday movie or concert or sporting event or shopping or church without being touched by terrorism?

The closing credits song was still running in my head and I imagined those concert goers in Manchester. I pictured teenaged girls, some perhaps at their first live concert ever, their joyful exhilaration changing to fear and horror as violence and chaos became the evening’s show. Echoes of music are what one is supposed to hear when leaving a concert, not screams, not explosions. Jesus.

I’m left to wonder –  who’s guarding our galaxy?

Leave a comment

Filed under Delaware Avenue, DelSo, Movies, News, Observations

Daily Challenge


Consistency is not my forte, but there are a couple of little customs that center around my going to sleep and waking up that I find myself doing regularly. For as long as I can remember, I’ve read myself to sleep and my nightstand always has a stack of books lying in wait. When I pick up where I’ve left off in whatever I’m reading, it feels like I’m punctuating the day and I like drifting off to sleep with someone else’s tale in my head. Sometimes it just feels good to escape my own story.

Morning brings a different ritual. I generally wake before my alarm and reach for my iPad to ease into my day with a few rounds of solitaire. I’m probably deluding myself, but I feel like it helps wake my brain up and ease into a new day.

I usually play the 3-card version because it reminds me of a family I babysat for a long time ago. The dad had taught me the game explaining that in Las Vegas a player would pay $52 for the deck of cards and then win $5 for each card removed from the board and placed in Ace through King order. Yep, I’m a real hardcore gambler!

There’s a feature to the app I use called “Daily Challenge.” Sometimes I think this particular hand is easier than a typical random deal, but I won’t complain about that – an easy daily challenge is welcome in a world where there is so much difficulty present every day. Recently, I’ve gotten a little obsessed with the daily challenge. It’s almost as if I need to win the hand to ensure that I have a good day. Not rational at all, I know, but it seems a fairly harmless way to increase the odds mentally of my having a positive day.

There are days, though, like today when I could not get the cards to cooperate no matter how many times I re-dealt that hand. I kept trying other things – moving this 9 instead of that one, choosing another way to shift a pile of cards…all to no avail. I couldn’t win.

So, I’ll make my day a good one in a different way. I’ll consider all the alternative paths I can take to feel that my day was a success, even if it means just letting go of conquering a challenge. Maybe surrendering is just another way of winning.

 

Leave a comment

Filed under musings, Random, Uncategorized