Attention Passengers: This Is Your Sales Rep... er, I mean Pilot Speaking

I remember the good old days. When flying meant free sandwiches, sodas, and visiting the pilot in the cockpit.

But things are different now...

We still have sodas, and sometimes we even get a full can! But we don't have food, sometimes a pretzel crumb or small cookie, but no more free sandwiches. Now you can pay upwards of $7 for a shitty plate of cold mini-muffins or small sandwich.

And instead of the pilot announcing all the landmarks you're flying past, he's trying to convince you to sign up for their credit card that gives you.. one zillion free miles!! The in-flight movie, while it still sucks now gets a nice little logo in the bottom of it from time to time. And before the movie starts and after it ends you get commercials for other trips you can take with this airline and the credit cards that will get you there and a million billion miles!! Don't have headphones? Don't worry! $5 will get your a rented pair for 3-4 hours! Woo Hoo

I can only image what flying will be like 10 years from now. Perhaps literally mugging you at gunpoint and pawning off your luggage before you arrive at your destination, all while force-feeding you advertisements on your soda, food, napkin, seat, tv screen, headphones, window, floor.... everything.

Collaboration For All!

Despite only having 3 classes this semester, I have the most group projects I've ever had in the same amount of time. At least the most long-term group projects.

I am getting nervous about one of them. This is mostly because no one had taken any initiative to get the group together or talking. So last night after having a day-mare that we were going to do terribly because of all the apathetic group members I sent out a mass e-mail and an invitation to a Google Doc.

I haven't checked the doc yet, but I will right now and fill you in as to whether these slackers look like they may change their ways.

Wow! I am impressed, 2 out of 4 of them have responded. Perhaps this won't be horrible after all.

It is always strange when someone who would've otherwise be a leader has to step up and do so. I have a strong feeling I will be that person for this group. Hopefully I'll serve them well ::salutes::.

When I wrote them all last night I said I suggest they all get on Gmail (2 of them already had been) as it would make scheduling easier. The lack of ease in getting in touch with people makes me nervous. It boggles my mind when groups or teams aren't all on the same system of communication. I want a team that will be ON the app of choice and be checking up on it frequently. Pipe dream I suppose.

From Riches to Rags

I can't say I know too much about mortgages or buying a home, but I still wonder how people get themselves into foreclosure. I understand it when the breadwinner gets sick or dies or loses their job. But what about all these people who make a decent living and just signed up for a stupid mortgage.

A month or so ago I was getting my haircut and the hairdresser said that he signed for a ARM (Adjustable Rate Mortgage) after his daughter (the mortgage broker) told him it was a great deal and interests rates would certainly not raise for a long time.

Sure the man should've known better than to assume interests rate would stay at an all time low for 20-30 years, but his trusted kin told him otherwise, so he is now on the verge of screwed.

Surely not everyone is being told by family members to get these crazy mortgages? I wouldn't trust a mortgage broker or almost any financial adviser with my life savings, they all have a motive, if you don't think that you're foolish.

When I see excel spreadsheets full of hundreds and hundreds of foreclosures (and that's just for one area of the country) I do feel bad for some of them; some were so close to paying off their mortgage and then they miss a few payments and BOOM it's all gone. But another part of me is wondering how people can be so shortsighted.

So from my limited knowledge I leave you with some basic tips when buying a home.
-Put down the largest down payment as possible (don't end up getting mortgage insurance)
-Get a FIXED RATE loan
-Buy a home that is 20% (at least) less than what your mortgage broker tells you you can afford

Separation of... TV and Internet

Jeff Richards, VP of Digital Content Services at Verisign wrote in his company blog last month about the blurring of the lines between TV and Internet. He was referencing another article from the Wall Street Journal pondering why consumers don't seem to be interested in products or services that allow users to watch Internet videos on their TV.

It seems to me that the main reason that this idea isn't catching on is because users are choosing to keep these two lives separate.

Internet videos are generally short, just long enough for us to be able to sit in our office chairs and view them. TV programs are traditionally longer, which is why we park our couches and beds in front of them.

Additionally, I believe that many of us think of content online as being "underground" and TV content as being "mainstream" and we definitely don't want to mix those two worlds. Like keeping your college friends separate from your work friends.

It would just feel wrong to watch youtube videos from our couch. Not to mention the quality of youtube videos is so bad you probably wouldn't want to view it from a TV. But that's quite a stretch to explain the main reasoning of consumers.

All in all, I don't pay $55+ a month to DirecTv to watch (sometimes lesser quality) content that I could watch online for free. And Americans don't want to waste that quality TV viewing time by watching UGC (User generated content).