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<channel>
	<title>Andrew Cafourek</title>
	
	<link>http://www.andrewcafourek.com</link>
	<description>that guy in Brooklyn who does some stuff online</description>
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		<title>Oh The Places You’ll Go… [2010 Edition]</title>
		<link>http://feedproxy.google.com/~r/AndrewC/~3/3qF8uZqe5VY/</link>
		<comments>http://www.andrewcafourek.com/2011/01/20/oh-the-places-youll-go-2010-edition/#comments</comments>
		<pubDate>Thu, 20 Jan 2011 16:30:48 +0000</pubDate>
		<dc:creator>Andrew</dc:creator>
				<category><![CDATA[Travel]]></category>
		<category><![CDATA[list]]></category>

		<guid isPermaLink="false">http://www.andrewcafourek.com/?p=515</guid>
		<description><![CDATA[For the past couple of years, I&#8217;ve posted a brief overview of my travels, listing all the cities I&#8217;ve visited in the past year and it&#8217;s time for my update for 2010! I like having this annual recap as an archived summary of my year without getting [...]]]></description>
			<content:encoded><![CDATA[<p>For the past couple of years, I&#8217;ve posted a brief overview of my travels, listing all the cities I&#8217;ve visited in the past year and it&#8217;s time for my update for 2010! I like having this annual recap as an archived summary of my year without getting too detailed. In the past, I&#8217;ve simply listed the cities, though this year, I&#8217;m adding a quick blurb for each trip.</p>
<p>These are the cities I visited in 2010 (not counting single-day flight connections or ones that I drove through en route to another destination). The asterisk denotes cities I visited more than once.</p>
<p><span style="text-decoration: underline;">San Fransisco, CA</span>:  <em>Nick and I traveled to San Fransisco for an event to promote MyAlumniBar</em></p>
<p><span style="text-decoration: underline;">Des Moines, IA</span>*: <em>Work travel for meetings with Meredith Corporation.  I visited Des Moines twice this year.</em></p>
<p><span style="text-decoration: underline;">Boston, MA</span>: <em>Nick, Maria and I went up to Boston to visit a few friends for a weekend</em></p>
<p><span style="text-decoration: underline;">Atlantic City, NJ</span>: <em>A weekend trip with the guys for Mark&#8217;s bachelor party.  No other details are available for this trip.</em></p>
<p><span style="text-decoration: underline;">Columbia, MO</span>: <em>Spent a few days at MU visiting </em><em><a href="http://rachelmarieanderson.com/">Rachel</a></em><em> and </em><em><a href="http://www.itsjamtime.com/">Jay</a></em></p>
<p><span style="text-decoration: underline;">Republic, MO</span>: <em>I went home to visit my family for my sister&#8217;s high school graduation and my mom&#8217;s birthday</em></p>
<p><span style="text-decoration: underline;">San Juan, Puerto Ric</span><span style="text-decoration: underline;">o</span>: <em>My family and I went on a cruise through the Caribbean this spring</em></p>
<p><span style="text-decoration: underline;">St. Thomas, USVI</span>: <em>Gorgeous beaches</em></p>
<p><span style="text-decoration: underline;">Roseau, Dominica</span>: <em>The inner rain forest of Dominica is one of the most beautiful places I&#8217;ve ever seen.  Swimming in a waterfall pool topped it off</em></p>
<p><span style="text-decoration: underline;">Bridgetown, Barbados</span>: <em>I hear that most of Barbados is beautiful, though I only saw the city briefly and thought it seemed a lot like walking through a tourist town in the midwest.</em></p>
<p><span style="text-decoration: underline;">Charlotte, St. Lucia</span>: <em>Deep sea fishing off of this beautiful island, covered in lush volcanic mountains</em></p>
<p><span style="text-decoration: underline;">Basseterre, St Kitts</span>: <em>We walked without a guide through the capital of St. Kitts and visited the national museum- the history of this small island was incredibly interesting and surprisingly had some strong connections back to the history of New York City as well.</em></p>
<p><span style="text-decoration: underline;">Little Bay, St. Maarten</span>: <em>The waters of St Maarten were some of the most beautiful blues I&#8217;ve ever seen and made for some incredible snorkeling. </em></p>
<p><span style="text-decoration: underline;">Meriden, CT</span>: <em>I had the honor of being a groomsman at Mark and Meg&#8217;s wedding for this amazing weekend in Connecticut.</em></p>
<p><span style="text-decoration: underline;">Glen Rock, PA</span>: <em>Camping trip to visit Erin- this ended up being the hottest weekend of my life and I also got poison ivy/oak/sumac/death for 6 weeks afterwards</em></p>
<p><span style="text-decoration: underline;">East Hampton, NY</span>*: <em>Nick&#8217;s aunt and uncle host us at their place in East Hampton a few times a year and it has become one of my favorite getaways from the city.  Polo, sailing, gardening and whatnot.  I made 3 or 4 trips out there this year.</em></p>
<p><span style="text-decoration: underline;">Las Vegas, NV</span>: <em>Labor Day trip with Adam, Blair, Cyndi, Nick, Garrett, Brandon and Leah.  No other details available for this trip.</em></p>
<p><span style="text-decoration: underline;">Philadelphia, PA</span>: 2nd a<em>nnual trip to the Amry v. Navy game for tailgating with Tim</em></p>
<p><span style="text-decoration: underline;">Hunter, NY</span>*: <em>Snowboarding trips upstate at Hunter Mountain.</em></p>
<p><span style="text-decoration: underline;">Madison, NJ</span><em>: Nick, Mark and I went down to Madison to see Matt&#8217;s play featured</em></p>
<p><span style="text-decoration: underline;">Mount Tabor, VT</span>: <em>New Year&#8217;s snowboarding trip to Vermont with Mark, Meg, Jamil and Larissa</em></p>
<p>Check out <a href="http://www.dopplr.com/traveller/acafourek">my Dopplr listings</a> for future travels (not much planned right now).</p>
<p>Previous Lists:<br />
<a href="http://www.andrewcafourek.com/2008/12/30/oh-the-places-youll-go/">[2008]</a><br />
<a href="http://www.andrewcafourek.com/2010/01/27/oh-the-places-you%E2%80%99ll-go%E2%80%A6-2009-edition/">[2009]</a></p>
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		<title>80% of the deaths in Cambodia…</title>
		<link>http://feedproxy.google.com/~r/AndrewC/~3/uUbRiXVGbKw/</link>
		<comments>http://www.andrewcafourek.com/2010/09/24/80-of-the-deaths-in-cambodia/#comments</comments>
		<pubDate>Fri, 24 Sep 2010 20:01:19 +0000</pubDate>
		<dc:creator>Andrew</dc:creator>
				<category><![CDATA[Statistics]]></category>
		<category><![CDATA[Cambodia]]></category>
		<category><![CDATA[Data]]></category>
		<category><![CDATA[TED]]></category>
		<category><![CDATA[Twitter]]></category>
		<category><![CDATA[water]]></category>

		<guid isPermaLink="false">http://www.andrewcafourek.com/?p=505</guid>
		<description><![CDATA[Your mind-blowing statistic for today: 80% of the deaths in Cambodia are directly related to water #TEDxCLT @DocHendley]]></description>
			<content:encoded><![CDATA[<p>Your mind-blowing statistic for today:</p>
<p><!-- http://twitter.com/TEDxCharlotte/status/25432619733 --><br />
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<p class='bbpTweet'>80% of the deaths in Cambodia are directly related to water <a href="http://twitter.com/search?q=%23TEDxCLT" title="#TEDxCLT" class="tweet-url hashtag" rel="nofollow">#TEDxCLT</a> @<a class="tweet-url username" href="http://twitter.com/DocHendley" rel="nofollow">DocHendley</a><span class='timestamp'><a title='Fri Sep 24 19:32:48 +0000 2010' href='http://twitter.com/TEDxCharlotte/status/25432619733'>less than a minute ago</a> via <a href="http://twitter.com/" rel="nofollow">Twitter for iPhone</a></span><span class='metadata'><span class='author'><a href='http://twitter.com/TEDxCharlotte'><img src='http://a0.twimg.com/profile_images/683727732/twitter-user_normal.jpg' /></a><strong><a href='http://twitter.com/TEDxCharlotte'>TEDxCharlotte</a></strong><br/></span></span></p>
</div>
<p> <!-- end of tweet --></p>
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		<title>Data, Data Everywhere</title>
		<link>http://feedproxy.google.com/~r/AndrewC/~3/cmMtsuaEbC4/</link>
		<comments>http://www.andrewcafourek.com/2010/09/14/data-data-everywhere/#comments</comments>
		<pubDate>Tue, 14 Sep 2010 22:32:20 +0000</pubDate>
		<dc:creator>Andrew</dc:creator>
				<category><![CDATA[Awesome]]></category>
		<category><![CDATA[bytes]]></category>
		<category><![CDATA[Data]]></category>
		<category><![CDATA[sensors]]></category>

		<guid isPermaLink="false">http://www.andrewcafourek.com/?p=503</guid>
		<description><![CDATA[I just came across this post over on GigaOm about the data volume generated by social networks vs that generated by the various sensors that exist in objects, surfaces and machines you encounter daily- the numbers are pretty impressive. For example, a Boeing jet generates 10 terabytes [...]]]></description>
			<content:encoded><![CDATA[<p>I just came across <a href="http://cloud.gigaom.com/2010/09/13/sensor-networks-top-social-networks-for-big-data" target="_blank">this post over on GigaOm</a> about the data volume generated by social networks vs that generated by the various sensors that exist in objects, surfaces and machines you encounter daily- the numbers are pretty impressive.</p>
<blockquote><p>For example, a Boeing jet generates 10 terabytes of information per engine every 30 minutes of flight, according to Stephen Brobst, the CTO of Teradata. So for a single six-hour, cross-country flight from New York to Los Angeles on a twin-engine Boeing 737 — the plane used by many carriers on this route — the total amount of data generated would be a massive 240 terabytes of data. There are about 28,537 commercial flights in the sky in the United States on any given day. Using only commercial flights, a day’s worth of sensor data quickly climbs into the petabyte scale — for a single day. Multiply that by weeks, months and years, and the scale of sensor data gets massive.</p></blockquote>
<p>Color me impressed.</p>
<img src="http://feeds.feedburner.com/~r/AndrewC/~4/cmMtsuaEbC4" height="1" width="1"/>]]></content:encoded>
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		<title>Screw Viral Video</title>
		<link>http://feedproxy.google.com/~r/AndrewC/~3/ql4LBKsEXnI/</link>
		<comments>http://www.andrewcafourek.com/2010/08/31/screw-viral-video/#comments</comments>
		<pubDate>Tue, 31 Aug 2010 15:48:15 +0000</pubDate>
		<dc:creator>Andrew</dc:creator>
				<category><![CDATA[Video]]></category>
		<category><![CDATA[content]]></category>
		<category><![CDATA[Jim Louderback]]></category>
		<category><![CDATA[Revision3]]></category>
		<category><![CDATA[viral video]]></category>

		<guid isPermaLink="false">http://www.andrewcafourek.com/?p=499</guid>
		<description><![CDATA[I came across this great AdAge post from Jim Louderback (CEO of Revision3) on the current state of the online video industry and the false god of viral video. It has a couple of really great points, but the entire thing is worth reading. I think these [...]]]></description>
			<content:encoded><![CDATA[<p>I came across <a href="http://adage.com/digitalnext/post?article_id=145636" target="_blank">this great AdAge post from Jim Louderback</a> (CEO of Revision3) on the current state of the online video industry and the false god of viral video.  It has a couple of really great points, but the entire thing is worth reading.</p>
<p>I think these are the two most important paragraphs (I&#8217;ve added the headings):</p>
<h3>Viral is not habitual</h3>
<blockquote><p>Media is all about building habits. Successful producers bind an audience to their creation, building an insatiable hunger for the next installment, next episode, next post. But when you focus on viral success, you throw that focus on repeatability out the window. By its nature, viral videos are designed to surprise, titillate and entertain. They are, by nature, unique; the 27th keyboard cat or the 12th dancing baby is just plain boring. But once video producers taste the heady success of a viral hit, they keep trying to re-create lightning in a bottle. But let&#8217;s face it &#8212; we all know &#8220;David Goes to the Proctologist&#8221; isn&#8217;t going to be nearly as successful as his trip to the dentist.</p></blockquote>
<h3>Viral doesn&#8217;t necessarily drive ad revenue</h3>
<blockquote><p>Sure, everyone loves to trumpet a single video with millions of views. But because viral videos are by their nature unpredictable, they can burn through an allocation of premium inventory rather rapidly. At most sites, there are only so many high-CPM advertisements ready to run at any given time. When they&#8217;re done, bottom-dwelling ad networks lurch into the void, spewing their cheapo ads for teeth whitening, belly flattening and nicotine-busting dreck.</p></blockquote>
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		<title>Hello, Brooklyn</title>
		<link>http://feedproxy.google.com/~r/AndrewC/~3/5kUmMhOJ7ZY/</link>
		<comments>http://www.andrewcafourek.com/2010/06/21/hello-brooklyn/#comments</comments>
		<pubDate>Mon, 21 Jun 2010 20:16:08 +0000</pubDate>
		<dc:creator>Andrew</dc:creator>
				<category><![CDATA[Life in General]]></category>
		<category><![CDATA[New York City]]></category>
		<category><![CDATA[brooklyn]]></category>
		<category><![CDATA[DUMBO]]></category>
		<category><![CDATA[moving]]></category>
		<category><![CDATA[NYC]]></category>

		<guid isPermaLink="false">http://www.andrewcafourek.com/?p=494</guid>
		<description><![CDATA[After 18 months without a long-term living plan in New York, I&#8217;ve finally locked down a great new apartment in the DUMBO (Down Under the Manhattan Bridge Overpass) neighborhood in Brooklyn.  I think this warrants some Jay-Z:]]></description>
			<content:encoded><![CDATA[<p>After 18 months without a long-term living plan in New York, I&#8217;ve finally locked down a great new apartment in the DUMBO (<strong>D</strong>own <strong>U</strong>nder the <strong>M</strong>anhattan <strong>B</strong>ridge <strong>Ove</strong>rpass) neighborhood in Brooklyn.  I think this warrants some Jay-Z:</p>
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		<title>On Mediums and Technical Interaction</title>
		<link>http://feedproxy.google.com/~r/AndrewC/~3/eAZ51-K62vo/</link>
		<comments>http://www.andrewcafourek.com/2010/06/11/on-mediums-and-technical-interaction/#comments</comments>
		<pubDate>Fri, 11 Jun 2010 20:48:08 +0000</pubDate>
		<dc:creator>Andrew</dc:creator>
				<category><![CDATA[Technology]]></category>
		<category><![CDATA[paradigm shifts]]></category>
		<category><![CDATA[theory]]></category>
		<category><![CDATA[touchscreen]]></category>
		<category><![CDATA[usabilty]]></category>

		<guid isPermaLink="false">http://www.andrewcafourek.com/?p=486</guid>
		<description><![CDATA[Recently, I saw someone trying to use their fingers to move something on their Blackberry screen- after about half a second, he said to his friend &#8220;Ah, Im just so used to my iPhone, I keep forgetting the buttons.&#8221; I realized that his brief misstep is actually [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft" style="margin-top: 5px; margin-bottom: 5px; margin-left: 8px; margin-right: 8px; border: 1px solid black;" title="The touch" src="http://www.andrewcafourek.com/wp-content/uploads/2010/06/The%20touch%20by%20EugeniusD80.jpg" alt="" width="240" height="120" />Recently, I saw someone trying to use their fingers to move something on their Blackberry screen- after about half a second, he said to his friend &#8220;Ah, Im just so used to my iPhone, I keep forgetting the buttons.&#8221;  I realized that his brief misstep is actually more indicative of a much larger trend- one popularized by the iPhone but now permeating into almost every computing device you can buy.</p>
<p>Touchscreens are changing the way we think of data and function- you no longer need an interstitial tool to scroll through your email, play a game, rotate a 3D object or zoom in/out of a picture- the previously virtual things create on computers become almost pseudo-physical.  On a typical computer, I manually control my mouse which results in a virtual cursor moving in a predictable way, but that relationship becomes closer if I start to use my hands to move and manipulate objects on my screen, just as if I were to move physical objects around a room.  When we start to have a physical relationship with objects, we start to care about them much more- if a the department store can get you to try on an outfit, or a watch salesman can get a timepiece on your wrist, you are much more likely to &#8216;bond&#8217; with it and ultimately, buy it.</p>
<p><a href="http://duncanwilcox.com/2010/touch-content-creation/">Duncan Wilcox has a great way of stating it</a>:</p>
<blockquote><p>To a novice user, aiming at something on screen with a mouse is like trying to ring a doorbell using a broomstick. The tool that’s between you and the target object is the cause for the lack of directness. You will get used to it out of necessity, but that doesn’t make it better than direct interaction.</p></blockquote>
<p>It is still too early in this new interface shift to really know how this will affect us long-term, but I dont think it will be very long before we see a real explosion in the application of touchscreen technology.   There are already touch screen computers, phones, cameras, watches and tables; how long until auto mechanics use a physical interface to pre-envision parts and fixes or a screen on your refrigerator lets you maneuver through your over-packed shelves to see what you really have in there?</p>
<h5>Image Credit: <a href="http://www.flickr.com/photos/zhzheka/1126896124/" target="_blank">EugeniusD80</a></h5>
<h5>Update:</h5>
<p> Added Duncan Wilcox quote</p>
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		<title>New York City Snowicane</title>
		<link>http://feedproxy.google.com/~r/AndrewC/~3/hSweK9nrXa4/</link>
		<comments>http://www.andrewcafourek.com/2010/02/27/new-york-city-snowicane/#comments</comments>
		<pubDate>Sat, 27 Feb 2010 14:23:41 +0000</pubDate>
		<dc:creator>Andrew</dc:creator>
				<category><![CDATA[New York City]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[NYC]]></category>
		<category><![CDATA[snow]]></category>

		<guid isPermaLink="false">http://www.andrewcafourek.com/?p=479</guid>
		<description><![CDATA[In case you haven&#8217;t heard, New York has gotten a ton of snow this month- so much in fact that February 2009 is now the snowiest month in NYC history (breaking a 114 year old record). Well I came across this time-lapse video of the latest storm [...]]]></description>
			<content:encoded><![CDATA[<p>In case you haven&#8217;t heard, New York has gotten a ton of snow this month- so much in fact that February 2009 is now the snowiest month in NYC history (breaking a 114 year old record).  Well I came across this time-lapse video of the latest storm taken in Brooklyn and it is awesome to see the weather go from overcast to a foot of snow on the ground.</p>
<p><object width="480" height="360"><param name="allowfullscreen" value="true" /><param name="allowscriptaccess" value="always" /><param name="movie" value="http://vimeo.com/moogaloop.swf?clip_id=9763367&amp;server=vimeo.com&amp;show_title=0&amp;show_byline=1&amp;show_portrait=0&amp;color=00ADEF&amp;fullscreen=1" /><embed src="http://vimeo.com/moogaloop.swf?clip_id=9763367&amp;server=vimeo.com&amp;show_title=0&amp;show_byline=1&amp;show_portrait=0&amp;color=00ADEF&amp;fullscreen=1" type="application/x-shockwave-flash" allowfullscreen="true" allowscriptaccess="always" width="480" height="360"></embed></object></p>
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		<item>
		<title>Open Letter from OK-Go on Music, the Internet and Everything Else</title>
		<link>http://feedproxy.google.com/~r/AndrewC/~3/dDhhDzMjxHM/</link>
		<comments>http://www.andrewcafourek.com/2010/02/05/open-letter-from-ok-go-on-music-the-internet-and-everything-else/#comments</comments>
		<pubDate>Sat, 06 Feb 2010 00:30:13 +0000</pubDate>
		<dc:creator>Andrew</dc:creator>
				<category><![CDATA[Music]]></category>
		<category><![CDATA[artists]]></category>
		<category><![CDATA[embedding]]></category>
		<category><![CDATA[EMI]]></category>
		<category><![CDATA[OK-go]]></category>
		<category><![CDATA[Video]]></category>

		<guid isPermaLink="false">http://www.andrewcafourek.com/?p=474</guid>
		<description><![CDATA[“With or without this embedding problem, we’ll never get 50 zillion views on a YouTube video again. That moment – the dawn of internet video – is gone. The internet isn’t as anarchic as it was then. Now there are Madison Avenue firms that specialize in “viral [...]]]></description>
			<content:encoded><![CDATA[<blockquote><p>“With or without this embedding problem, we’ll never get 50 zillion views on a YouTube video again. That moment – the dawn of internet video – is gone. The internet isn’t as anarchic as it was then. Now there are Madison Avenue firms that specialize in “viral marketing” and the success of our videos is now taught in business school. But here’s a secret: zillions of hits was never the point. We’re a rock band, and it’s a great gig. Not just because we get to snort drugs off the Queen of England (we do), but because the only thing we are expected to do is make cool stuff. We chase our craziest ideas for a living, and if sharing those ideas takes 40 websites instead of one, it doesn’t make too big a difference to us.”</p></blockquote>
<p>I think this is the most awesome insight into the state of digital media and social engagement in a very long time.  <strong><a href="http://okgo.forumsunlimited.com/index.php?showtopic=4169" target="_blank">The entire letter</a></strong> is really great and is actually a very reasonable commentary on the state of the music industry as a whole, too.</p>
<img src="http://feeds.feedburner.com/~r/AndrewC/~4/dDhhDzMjxHM" height="1" width="1"/>]]></content:encoded>
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		<title>Oh the places you’ll go… [2009 Edition]</title>
		<link>http://feedproxy.google.com/~r/AndrewC/~3/d9QSKYbxuWI/</link>
		<comments>http://www.andrewcafourek.com/2010/01/27/oh-the-places-you%e2%80%99ll-go%e2%80%a6-2009-edition/#comments</comments>
		<pubDate>Wed, 27 Jan 2010 13:07:01 +0000</pubDate>
		<dc:creator>Andrew</dc:creator>
				<category><![CDATA[Life in General]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[list]]></category>

		<guid isPermaLink="false">http://www.andrewcafourek.com/?p=471</guid>
		<description><![CDATA[I&#8217;m a few weeks late on this, but better late than never! Last year, I followed the lead of a few blogs I like and posted a recap of my 2008 travels to various cities. I like the idea of making this an annual post, so here [...]]]></description>
			<content:encoded><![CDATA[<p>I&#8217;m a few weeks late on this, but better late than never!  Last year, I followed the lead of a few blogs I like and posted a <a href="http://www.andrewcafourek.com/2008/12/30/oh-the-places-youll-go/">recap of my 2008 travels</a> to various cities.  I like the idea of making this an annual post, so here is my list for 2009: these are the cities I visited in 2009 (not counting single-day flight connections or ones that I drove through en route to another destination).  The asterisk denotes cities I visited more than once and the bold cities are ones I have lived in at some point this year.</p>
<p>Check out <a href="http://www.dopplr.com/traveller/acafourek">my Dopplr listings</a> for the future (not much planned right now).</p>
<p><strong>Republic/Springfield, MO*</strong><br />
<strong>Boston, MA*</strong><br />
<strong>Des Moines, IA*</strong><br />
Sacramento, CA<br />
San Francisco, CA<br />
East Hampton, NY<br />
New London, CT<br />
Wilmington, DE<br />
Philadelphia, PA<br />
Easton, PA<br />
Providence, RI<br />
Minneapolis, MN<br />
White Plains, NY<br />
Austin, MN<br />
Osage, IA</p>
<p>Previous Lists:<br />
<a href="http://www.andrewcafourek.com/2008/12/30/oh-the-places-youll-go/">[2008]</a></p>
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		<item>
		<title>Feelings, Cash and Retirement</title>
		<link>http://feedproxy.google.com/~r/AndrewC/~3/RmmmnmBzFfc/</link>
		<comments>http://www.andrewcafourek.com/2009/12/31/feelings-cash-and-retirement/#comments</comments>
		<pubDate>Thu, 31 Dec 2009 19:02:44 +0000</pubDate>
		<dc:creator>Andrew</dc:creator>
				<category><![CDATA[Data]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Research]]></category>
		<category><![CDATA[ING]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.andrewcafourek.com/?p=454</guid>
		<description><![CDATA[I have had an ING savings account for a few years now- it was awesome back when I had a 4% interest rate circa 2005&#8230; it&#8217;s at a significantly more modest rate now, given the whole &#8216;stuff your money in a mattress&#8217; trend that is going on right now, but [...]]]></description>
			<content:encoded><![CDATA[<p>I have had an ING savings account for a few years now- it was awesome back when I had a 4% interest rate circa 2005&#8230; it&#8217;s at a significantly more modest rate now, given the whole &#8216;stuff your money in a mattress&#8217; trend that is going on right now, but it is convenient and beneficial, nonetheless.  I&#8217;ve found ING to be refreshingly great to work with compared to most banks- and their focus on online tools makes my life significantly easier than relying on brick and mortar locations.</p>
<p>Well occasionally, they do cool things worth sharing and I think this one qualifies.  They periodically survey customers for feedback about various aspects of their services, financial feelings and overall consumer insight.  Well they <a href="http://wethesavers.ingdirect.com/customer-feedback-group/" target="_blank">recently posted some data</a> from these surveys and the results are an interesting peek at how people think about their money and the context of their decision-making.</p>
<h3>How are you feeling about&#8230;?</h3>
<p style="text-align: center;"><img class="size-medium wp-image-455 aligncenter" style="margin-top: 5px; margin-bottom: 5px; border: 1px solid black;" title="how are you feeling about . ." src="http://www.andrewcafourek.com/wp-content/uploads/2009/12/how-are-you-feeling-about-.-.--300x151.jpg" alt="" width="300" height="151" /></p>
<p style="text-align: left;">I think its interesting to see that while the respondents are slightly more pessimistic about the economy, they are overwhelmingly optimistic about their own jobs and retirement plans.   Feels a bit like a &#8220;Bad things will only happen to other people&#8221; kind of mentality. Though there is a noticeable shift in confidence from &#8220;My Job&#8221; to &#8220;My retirement plans&#8221; indicating that people aren&#8217;t too worried about losing their jobs, but aren&#8217;t too sure their 401K will be there to meet them at the end.</p>
<p style="text-align: left;">
<h3>Would you rather permanently lose 20lbs or get $10,000 in cash?</h3>
<p style="text-align: left;"><img style="margin: 5px; border: 1px solid black; float: left;" title="lose-weight-or-gain-money-chart2" src="http://www.andrewcafourek.com/wp-content/uploads/2009/12/lose-weight-or-gain-money-chart21.jpg" alt="" /></p>
<p style="text-align: left;">This one doesn&#8217;t strike me as too shocking&#8230; I think that I could start going to the gym and eating a bit healthy and drop 20lbs for less effort than I would need to expend to earn $10,000.  I would definitely take the $10k&#8230; and then promptly stuff it in a mattress.</p>
<p style="text-align: left;">
<p style="text-align: left;">
<p style="text-align: left;">
<p style="text-align: left;">
<p style="text-align: left;">
<p style="text-align: left;">
<h3>Would you rather retire modestly at 55 or retire wealthy at 65?</h3>
<p style="text-align: left;"><img class="size-full wp-image-459 alignright" style="margin: 5px; border: 1px solid black; float: right;" title="retire-chart2" src="http://www.andrewcafourek.com/wp-content/uploads/2009/12/retire-chart21.jpg" alt="" width="217" height="213" />Given the option of retiring modestly at 55 or wealthy at 65 is a bit more complicated than it seems at first.  If you retire at middle class at 55, thats an extra decade of options as to what you want to do&#8230; though those options may not be as extravagant as they would be if you were wealthy.  But it seems that the happiness you would get from 10 years of not working would be a nearly equal substitute of self-perpetuating wealth; I suppose there is something to be said for the peace of mind you would have if you retired wealthy at 65.</p>
<p style="text-align: left;">I don&#8217;t know which I&#8217;d chose- I don&#8217;t know if I could ever just stop working all together but I think I would love the idea of having 10 years to work on whatever I want to in an attempt to get the happiness of doing what I enjoy along with the potential of achieving wealth sometime in the decade before 65.</p>
<p style="text-align: left;">
<p style="text-align: left;">I thought it was interesting data from their customers- though it must be said that I know very little about collection methods or anything else that would speak to the data validity- it does seem to me that it would likely be skewed to younger, higher-income consumers in more urban areas with unrestricted access to broadband so its likely not perfectly representative of the nation as a whole.  But good stuff to check out nonetheless.  Be sure to read their entire <a href="http://wethesavers.ingdirect.com/customer-feedback-group/" target="_blank">blog post on the survey.</a></p>
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