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I honestly can’t say I despise junk mail as much as most people. I think it is a complete waste of natural resources, and most of the offers are worth less than the paper they are printed on. Yet, as a graphic designer by trade, I try to view as much advertising material as possible that might spark ideas for my future work. The more take in the better to fill my creative synapses with material that might be useful later. So, sorry, I’ll leave the I hate all junk mail rant for one of our other fine authors.
For me, I really despise the financial offers of any kind, especially those that put your identity at risk. Not that they are sharing any information that couldn’t be grabbed by other means, but they provide a way that an identity thieve can quite easily forge your info and grab a line of credit in your name. We have a personally sized shredder on a kitchen counter that takes good care of each and every one of these offers.
How many mortgage offers do I need to receive and not respond to before I get off the “you may qualify for XXX savings per month on your payment by refinancing? How low does my interest rate need to be before I don’t appear on the “potential sucker” list for the next loan officer? I know they are rolling the dice by hitting all the home buyers in the last few years that may be prime to refinance, but can we please provide an update to all the list brokers that I am fine so don’t waste the money sending me an offer? Problem is, list brokers make their money supplying you with as many names as possible within the requested demographic, so I am afraid I’m stuck on that list.
Now let’s get to the one in particular that truly causes an involuntary roll of the eyes when I see their envelopes arrive in my box. Several companies do this, but none is a bigger offender than CapitalOne. “What’s in your wallet?” How about “What’s in your mailbox?” CapitalOne has, likely from some sort of market research, determined that sending you the same offer repeatedly over the course of a few weeks increases the chances you will take the offer. At first, I thought they may be sending one to me personally, one to my wife and perhaps one to my business (located at the same home office address). Nope, this is the exact same offer, perhaps repacked slightly with a different header design and intro text to the letterhead, but the guts of it exactly the same. “Maybe if we just give it this twist, that’ll get ‘em.”
If I don’t respond to the one, I’m not going to respond to the next three in the same month. Really, I mean it. Go ahead perhaps and send me one every 6 months or so, I can see the logic in that. Admittedly, when I started my business I used one of these mailed offers to get my business card, giving me a year of no interest for some start-up capital. I managed it carefully and to date still, have not paid any interest on the card because I never carry a balance. I’m not their prime target customer, I know because they make their big money on interest.
I’m still a customer of CapitalOne, mainly because I have miles built up I still plan to use, and I like their online services. Why is it then they still keep sending me these repeat new customer credit card offers? With all their massive technology and advertising dollars, you would think they could match up their customer records with their mailing list to weed out a few unnecessary mailers. What a novel concept, maybe I should sell it to them. On top of this, as a customer, I get their personal loan offers, balance transfers, and small business loan offers. They may actually spend more on mailing me things than they make on my business. Not really I’m sure, but it sure seems like it.
Now here is where I have to admit my laziness being a part of the problem. If you haven’t noticed this before, on these offers they have a notice where you can get off their list and no longer receive mailers. I’ve seen it a few times, but never managed to make the call before the letter has hit the shredder. And what if I do actually want to get a different credit card down the road? Can I elect to get one a year…please?
Oh well, it’s easier to complain than actually do something about it, right?
YANKEE SPRING TRAINING JOURNAL, DAY 1
I was nervous walking in, my first day with the Big League Team. My hands shook so badly you could hear the bats rattle in my bag. “Here,” said Hideki Matsui, reaching out a massive hand, “Let me take that,” I was surprised and pleased that he spoke neither in Japanese or English, but in Esperanto, which he had learned in order to welcome rookies of all nationalities. Gary Sheffield approached me, put a hand on his hip, cocked an eyebrow, and said, “That blow-dried look won’t work for you in the Show, I’m afraid,” and immediately set up a Skype session for me with his own stylist in Brentwood.
Then I saw him, over in the corner, near the chocolate fountain. Jason Giambi, staring at me with sad, wounded eyes. He pointed at himself, then he mimed plunging a syringe into his own buttock. His eyes never left mine. It was haunting. I looked away, unable to stand the intensity of his gaze, and when I looked back, he was gone.
A tough but good day taking batting practice under the eye of the coaches, as well as two hours of fielding drills with the other prospects. I’m feeling confident and reminding myself that the field here is the same size as in all the minor league parks I’ve played in.
When I return to my locker, a note falls out. It says, “Storage room.”
There is no light when I open the door to the storage room, and the switch on the wall doesn’t work as I flick it up and down. Then a spark flares in the corner, and I see the face of Jason Giambi, who lights a candle with his freshly lit match. He has created a kind of shrine around himself, broken syringes, pill bottles, and needles, all pointing towards himself, in the center. He is naked except for compression pants, with the words “Guilty” painted all over his powerful torso in lipstick.
“The first time, you think it’s just for an emergency, just to get your energy back after a tough series,” he said, dully, his eyes staring at the candle flame. “You say to yourself, ‘It’s not cheating, it’s just getting myself back to what I really am.’ But the second time, the third, the fourth… pretty soon, it is who you really are. A cheater.’”
“What’s that music?” I asked him.
“’Carmina Burana,’ by Carl Orff,” he said. “I alternate that with the Smiths.”
“Oh,” I said. “I like Nicky Minaj, maybe a little Maroon 5. Gets me pumped up for the game.”
He blew out the candle just as I closed the door, plunging himself back into darkness.
My first spring training game and it didn’t go well. Nerves, I think. Two strikeouts and a dribbler to short in my first 3 ABs, but I was able to focus on playing my own game and beat out an infield single in the 8th. Posada, Mitsui, and Sheffield did the Wave from the dugout, and Derek Jeter sent me flowers.
Still, I wasn’t in the best mood, so when I saw a huge sheaf of paper pinned to my locker I didn’t even read it but went straight to Giambi. “What’s this, Jason?” I said,
“It’s my confession,” he said, staring down the floor. “Every instance, every injection, every pill popped, even the time I chewed some chia seeds. I wanted to unburden myself to you, completely, so that you would know me to the depths.”
“Yeah, I appreciate that, Jason,” I said, “And I know you’re really really sorry about the drugs and stuff…”
“More than you know.”
“No, Jason, I think I know EXACTLY HOW MUCH. There were the notes, and the song you wrote, and the video presentation.
“I animated that by hand,” he whispered.
“Right, yes, so the point is, I KNOW YOU’RE SORRY. And you know what, bro? I forgive you. It’s okay, man. You don’t have to worry about me.”
Jason looked up at me.
“I’d be crying right now,” he said, “But incessant use of steroids destroyed my tear ducts.”
“I know,” I said. “That was in the Powerpoint.”
He stood up.
“Thanks, man,” he said. “Your forgiveness is all I asked.”
“You got it, bro.”
I turned to walk away.
“One for four today, huh?” he said. “No way you’re taking my position with numbers like that. I told the skipper, you get sent down or I demand a trade. Enjoy the minors, rook.”
I stared at him.
“I’m sorry for that, too,” he said.
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Teck (TSX:TCK.B; NYSE:TCK) is strengthening its grip on the Zafranal copper project in Peru, buying up more shares in junior AQM Copper (TSXV:AQM).
Teck already owns 50 percent of the project, and just shy of 20 percent of AQM Copper, which effectively has a 30 percent carried interest in Zafranal to feasibility. Another partner, Mitsubishi, with AQM on the project, committed funds for prefeasibility and feasibility studies of the project.
The diversified miner said today it would buy a 10.5 percent stake in AQM Copper, bringing its total position in the junior to just over 30 percent.
Teck is buying 14.6 million shares at C$0.1037 a share and will thus spend about C$1.5 million.
Teck already owns 50 percent of AQM’s flagship Zafranal copper project.
The acquisition signals an increasing commitment to the Zafranal project by Teck.
In the grand scheme of things, Zafranal is a relatively recent copper porphyry discovery made, in fact, by Teck about a decade ago. Teck subsequently optioned out the project to AQM, headed up by President and CEO Bruce Turner, which fleshed out the scale of mineralization and produced a resource estimate on the project showing a sizeable copper-gold deposit.
The project holds 621 million tonnes @ 0.37 % copper and 0.07 g/t gold in measured and indicated resources assuming a 0.2% Cu cut-off grade.
The deposit made for a pretty strong preliminary economic assessment last year in which Teck, AQM and Mitsuibishi propose two scenarios for the mine, one involving 44,000-tonne-per-day concentrator and another at 80,000-tonnes-per-day. Respectively those scenarios, assuming $3/pound copper and $1,274 an ounce gold, yielded 18% and 17% internal rates of return and capital costs of $1.1 billion and $1.5 billion.
The deposit and mine set up have some nice features such as a low striping ratio at 0.7, a downhill run for trucks to dump waste rock from open pit operations and leachable near-surface oxides and seconary sulphides on top of more extensive hypogene resources below.