It's a fine day. One of those days when everyone asks, "How are you?" and you answer, "Fine."
Really... fine. No problems aside from the problem that it's Monday and Mondays suck. Life goes on and round and you wonder what's the point and you want to quit everything but its 5 days to the weekend and 2 months to the next holiday and god help me I don't think I can make it that long.
I find myself wishing for a catastrophe. Just so I'd have something to genuinely complain about. Just so something would happen that didn't happen yesterday, and won't happen tomorrow.
I find myself wishing I was an alcoholic. I'm not, and I would never drink at work, but I wish I was and I did.
I hate it when I complain and people offer solutions. If I wanted advice I'd ask for it. Complaining is not asking for advice. I know the effing solutions already anyways. Who doesn't? Who ever really got advice that they hadn't already thought of?
Being bored doesn't mean you have nothing to do. Boredom and busy-ness are not mutually exclusive. The most bored I've ever been is when I had a lot to do, but nothing fun to do.
It's just Monday. It's just work-life. The slow torturous death by a hundred thousand slivering seconds. Ennui, nothing more.
A recent article in the New York Times described how entrepeneurs who wanted to start their own restaurants, but couldn't get a loan from a bank, turned to the Internet for investors. The amount they borrowed in each case was tiny: less than $20,000 in most cases. But it's a trend with great growth potential. What online shopping did to music and book stores, online financing may someday do to banks.
Everyone despises banks, and for good reason, especially after the recent financial crisis. They charge borrowers high interest, and give depositors almost no interest-- just high service charges. What if they could be circumvented? What if you could get a mortgage, personal loan or small business loan from the public? The borrower could pay lower interest, with more flexibility, while the lender could get a much higher return on their investment than if they just stuck the money in a savings account. Of course, the risk would be higher, especially for the lender. But the rewards would be greater, too.
The change is coming. If banks are smart, they'll get ahead of the trend, and start their own direct loan websites. If they don't... well, let's hope they don't. I'd love to see the big banks go out of business.