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Geezeo: Money Management With A Perk

Geezeo: Money Management With A Perk

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    Geezeo

    isn’t the newest online money management tool on the block. It’s been around for over a year and a half — an eternity as far as these things go. But the site does have an unusual promotion going on right now, turning basic money management options into incentives.

    Geezeo’s Perks

    The Great Geezeo Bailout includes a whole list of prizes for the site’s users, all geared toward improving those users’ finances. The largest prize is $6,000 intended to cover a few months worth of mortgage payments or help a user get out of debt. But there are other prizes up for grabs:

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    • 12 months of identity protection from Identity Guard
    • $1,000 investment account from Trade Monster
    • $500 lending account from Lending Club

    To be eligible for Geezeo’s bailout package, users have to login into Geezeo between now and March 31, 2009 — and you receive one entry into the sweepstakes for every day you login during the contest period.

    But Is Geezeo Worth Your While?

    It’s all well and good for a website to give away money. But what makes Geezeo any different from the lists of other online money management tools? There are plenty of similarities, of course: once you’ve created an account on Geezeo, you can import the information from your variety of bank and credit card accounts. The site can categorize purchases, helping you to see just where you money is going. And you can easily set a budget based on your goals and your past expenses. But that’s where Geezeo starts to split off from the rest of the pack.

    Geezeo places a huge emphasis on community, drawing a comparison from dieting: for most people, dieting is much easier when they’re on the buddy system. Geezeo holds that the same is true in paying off debt and meeting financial goals. Once you have a profile in place, you can join groups, share goals (and progress) and even take your efforts a step further. You can share your financial confessions on the site — you can share where you’re having problems and get reassurance that your struggles with money aren’t unusual.

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    The Geezeo community is more than a support structure, though. It provides access to tips in specific area and help from both other users — people who have already been in the position you’re working on — as well as from experts who administer groups that cover specific topics. Those experts are full participants on Geezeo, as well. They routinely share goals and confessions of their own.

    The last unusual component to Geezeo is the site’s public feed: it’s a real-time look at what Geezeo members are doing. Whether they’re creating goals, posting questions or making purchases, as long as users have chosen to share their profiles, you can see the steps that they’re taking to get their finances on solid ground. While it may seem on the surface that the public feed is simply a community-building tool, it actually has a lot of value for helping users move forward on their finances. It’s easy to get ideas on how to proceed on your own goals (or even an idea of what your goals might be) by seeing what other people are doing.

    Geezeo’s Security

    I’ve long been concerned with the security of personal finance websites. Handing over pretty much all of your financial information to a website, no matter how many cool tools or perks it offers, requires a little more information. Geezeo has made an explanation of its security measures available on its website. This personal finance site has taken some very reasonable measures to protect information, including using both SSL and SSH to transmit information and storing a minimal amount of data. The security policy even explains that Geezeo’s developers have taken extensive steps (including filtering information out of their system logs) to ensure that even they can’t access a user’s information.

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    Because I’m not be entirely sold on the idea of sharing all my personal information with the entirety of the Geezeo network, I’m comforted by the fact that the site’s security policy specifically states that users’ actual balances are never shared. I also like the fact that Geezeo makes a point of never selling your data to a third party: there are more than a few financial sites that have turned sharing your information — prequalifying you for loans, for instance — into a feature of their sites as well as a main method of monetization. Geezeo does provide a marketplace, where you can browse through financial products, but the decision to do so is entirely up to the user.

    Should You Switch To Geezeo?

    If you’ve been trying to decide on a tool to manage your money, Geezeo is likely to be a good option — and its bailout sweepstakes does add a little extra incentive. If you’ve been working with a particular tool, I wouldn’t necessarily recommend making a switch, though. The important thing about any personal finance tool is whether it works for you: you don’t need an account on every shiny money management website, even if you manage to maintain multiple social networking profiles.

    I know that Geezeo’s social nature isn’t a positive for everyone. If you aren’t entirely comfortable with sharing even a few details with the rest of the internet, you do have the option to keep your information private — and there are plenty of other money management tools that might serve you better.

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    If you have any experiences with Geezeo that you would like to share, please share them in the comments.

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    Last Updated on October 22, 2020

    8 Simple Ways to Be a Better Listener

    8 Simple Ways to Be a Better Listener

    How would you feel if you were sharing a personal story and noticed that the person to whom you were speaking wasn’t really listening? You probably wouldn’t be too thrilled.

    Unfortunately, that is the case for many people. Most individuals are not good listeners. They are good pretenders. The thing is, true listening requires work—more work than people are willing to invest. Quality conversation is about “give and take.” Most people, however, want to just give—their words, that is. Being on the receiving end as the listener may seem boring, but it’s essential.

    When you are attending to someone and paying attention to what they’re saying, it’s a sign of caring and respect. The hitch is that attending requires an act of will, which sometimes goes against what our minds naturally do—roaming around aimlessly and thinking about whatnot, instead of listening—the greatest act of thoughtfulness.

    Without active listening, people often feel unheard and unacknowledged. That’s why it’s important for everyone to learn how to be a better listener.

    What Makes People Poor Listeners?

    Good listening skills can be learned, but first, let’s take a look at some of the things that you might be doing that makes you a poor listener.

    1. You Want to Talk to Yourself

    Well, who doesn’t? We all have something to say, right? But when you are looking at someone pretending to be listening while, all along, they’re mentally planning all the amazing things they’re going to say, it is a disservice to the speaker.

    Yes, maybe what the other person is saying is not the most exciting thing in the world. Still, they deserve to be heard. You always have the ability to steer the conversation in another direction by asking questions.

    It’s okay to want to talk. It’s normal, even. Keep in mind, however, that when your turn does come around, you’ll want someone to listen to you.

    2. You Disagree With What Is Being Said

    This is another thing that makes you an inadequate listener—hearing something with which you disagree with and immediately tuning out. Then, you lie in wait so you can tell the speaker how wrong they are. You’re eager to make your point and prove the speaker wrong. You think that once you speak your “truth,” others will know how mistaken the speaker is, thank you for setting them straight, and encourage you to elaborate on what you have to say. Dream on.

    Disagreeing with your speaker, however frustrating that might be, is no reason to tune them out and ready yourself to spew your staggering rebuttal. By listening, you might actually glean an interesting nugget of information that you were previously unaware of.

    3. You Are Doing Five Other Things While You’re “Listening”

    It is impossible to listen to someone while you’re texting, reading, playing Sudoku, etc. But people do it all the time—I know I have.

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    I’ve actually tried to balance my checkbook while pretending to listen to the person on the other line. It didn’t work. I had to keep asking, “what did you say?” I can only admit this now because I rarely do it anymore. With work, I’ve succeeded in becoming a better listener. It takes a great deal of concentration, but it’s certainly worth it.

    If you’re truly going to listen, then you must: listen! M. Scott Peck, M.D., in his book The Road Less Travel, says, “you cannot truly listen to anyone and do anything else at the same time.” If you are too busy to actually listen, let the speaker know, and arrange for another time to talk. It’s simple as that!

    4. You Appoint Yourself as Judge

    While you’re “listening,” you decide that the speaker doesn’t know what they’re talking about. As the “expert,” you know more. So, what’s the point of even listening?

    To you, the only sound you hear once you decide they’re wrong is, “Blah, blah, blah, blah, blah!” But before you bang that gavel, just know you may not have all the necessary information. To do that, you’d have to really listen, wouldn’t you? Also, make sure you don’t judge someone by their accent, the way they sound, or the structure of their sentences.

    My dad is nearly 91. His English is sometimes a little broken and hard to understand. People wrongly assume that he doesn’t know what he’s talking about—they’re quite mistaken. My dad is a highly intelligent man who has English as his second language. He knows what he’s saying and understands the language perfectly.

    Keep that in mind when listening to a foreigner, or someone who perhaps has a difficult time putting their thoughts into words.

    Now, you know some of the things that make for an inferior listener. If none of the items above resonate with you, great! You’re a better listener than most.

    How To Be a Better Listener

    For conversation’s sake, though, let’s just say that maybe you need some work in the listening department, and after reading this article, you make the decision to improve. What, then, are some of the things you need to do to make that happen? How can you be a better listener?

    1. Pay Attention

    A good listener is attentive. They’re not looking at their watch, phone, or thinking about their dinner plans. They’re focused and paying attention to what the other person is saying. This is called active listening.

    According to Skills You Need, “active listening involves listening with all senses. As well as giving full attention to the speaker, it is important that the ‘active listener’ is also ‘seen’ to be listening—otherwise, the speaker may conclude that what they are talking about is uninteresting to the listener.”[1]

    As I mentioned, it’s normal for the mind to wander. We’re human, after all. But a good listener will rein those thoughts back in as soon as they notice their attention waning.

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    I want to note here that you can also “listen” to bodily cues. You can assume that if someone keeps looking at their watch or over their shoulder, their focus isn’t on the conversation. The key is to just pay attention.

    2. Use Positive Body Language

    You can infer a lot from a person’s body language. Are they interested, bored, or anxious?

    A good listener’s body language is open. They lean forward and express curiosity in what is being said. Their facial expression is either smiling, showing concern, conveying empathy, etc. They’re letting the speaker know that they’re being heard.

    People say things for a reason—they want some type of feedback. For example, you tell your spouse, “I had a really rough day!” and your husband continues to check his newsfeed while nodding his head. Not a good response.

    But what if your husband were to look up with questioning eyes, put his phone down, and say, “Oh, no. What happened?” How would feel, then? The answer is obvious.

    According to Alan Gurney,[2]

    “An active listener pays full attention to the speaker and ensures they understand the information being delivered. You can’t be distracted by an incoming call or a Facebook status update. You have to be present and in the moment.

    Body language is an important tool to ensure you do this. The correct body language makes you a better active listener and therefore more ‘open’ and receptive to what the speaker is saying. At the same time, it indicates that you are listening to them.”

    3. Avoid Interrupting the Speaker

    I am certain you wouldn’t want to be in the middle of a sentence only to see the other person holding up a finger or their mouth open, ready to step into your unfinished verbiage. It’s rude and causes anxiety. You would, more than likely, feel a need to rush what you’re saying just to finish your sentence.

    Interrupting is a sign of disrespect. It is essentially saying, “what I have to say is much more important than what you’re saying.” When you interrupt the speaker, they feel frustrated, hurried, and unimportant.

    Interrupting a speaker to agree, disagree, argue, etc., causes the speaker to lose track of what they are saying. It’s extremely frustrating. Whatever you have to say can wait until the other person is done.

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    Be polite and wait your turn!

    4. Ask Questions

    Asking questions is one of the best ways to show you’re interested. If someone is telling you about their ski trip to Mammoth, don’t respond with, “that’s nice.” That would show a lack of interest and disrespect. Instead, you can ask, “how long have you been skiing?” “Did you find it difficult to learn?” “What was your favorite part of the trip?” etc. The person will think highly of you and consider you a great conversationalist just by you asking a few questions.

    5. Just Listen

    This may seem counterintuitive. When you’re conversing with someone, it’s usually back and forth. On occasion, all that is required of you is to listen, smile, or nod your head, and your speaker will feel like they’re really being heard and understood.

    I once sat with a client for 45 minutes without saying a word. She came into my office in distress. I had her sit down, and then she started crying softly. I sat with her—that’s all I did. At the end of the session, she stood, told me she felt much better, and then left.

    I have to admit that 45 minutes without saying a word was tough. But she didn’t need me to say anything. She needed a safe space in which she could emote without interruption, judgment, or me trying to “fix” something.

    6. Remember and Follow Up

    Part of being a great listener is remembering what the speaker has said to you, then following up with them.

    For example, in a recent conversation you had with your co-worker Jacob, he told you that his wife had gotten a promotion and that they were contemplating moving to New York. The next time you run into Jacob, you may want to say, “Hey, Jacob! Whatever happened with your wife’s promotion?” At this point, Jacob will know you really heard what he said and that you’re interested to see how things turned out. What a gift!

    According to new research, “people who ask questions, particularly follow-up questions, may become better managers, land better jobs, and even win second dates.”[3]

    It’s so simple to show you care. Just remember a few facts and follow up on them. If you do this regularly, you will make more friends.

    7. Keep Confidential Information Confidential

    If you really want to be a better listener, listen with care. If what you’re hearing is confidential, keep it that way, no matter how tempting it might be to tell someone else, especially if you have friends in common. Being a good listener means being trustworthy and sensitive with shared information.

    Whatever is told to you in confidence is not to be revealed. Assure your speaker that their information is safe with you. They will feel relieved that they have someone with whom they can share their burden without fear of it getting out.

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    Keeping someone’s confidence helps to deepen your relationship. Also, “one of the most important elements of confidentiality is that it helps to build and develop trust. It potentially allows for the free flow of information between the client and worker and acknowledges that a client’s personal life and all the issues and problems that they have belong to them.”[4]

    Be like a therapist: listen and withhold judgment.

    NOTE: I must add here that while therapists keep everything in a session confidential, there are exceptions:

    1. If the client may be an immediate danger to himself or others.
    2. If the client is endangering a population that cannot protect itself, such as in the case of a child or elder abuse.

    8. Maintain Eye Contact

    When someone is talking, they are usually saying something they consider meaningful. They don’t want their listener reading a text, looking at their fingernails, or bending down to pet a pooch on the street. A speaker wants all eyes on them. It lets them know that what they’re saying has value.

    Eye contact is very powerful. It can relay many things without anything being said. Currently, it’s more important than ever with the Covid-19 Pandemic. People can’t see your whole face, but they can definitely read your eyes.

    By eye contact, I don’t mean a hard, creepy stare—just a gaze in the speaker’s direction will do. Make it a point the next time you’re in a conversation to maintain eye contact with your speaker. Avoid the temptation to look anywhere but at their face. I know it’s not easy, especially if you’re not interested in what they’re talking about. But as I said, you can redirect the conversation in a different direction or just let the person know you’ve got to get going.

    Final Thoughts

    Listening attentively will add to your connection with anyone in your life. Now, more than ever, when people are so disconnected due to smartphones and social media, listening skills are critical.

    You can build better, more honest, and deeper relationships by simply being there, paying attention, and asking questions that make the speaker feel like what they have to say matters.

    And isn’t that a great goal? To make people feel as if they matter? So, go out and start honing those listening skills. You’ve got two great ears. Now use them!

    More Tips on How to Be a Better Listener

    Featured photo credit: Joshua Rodriguez via unsplash.com

    Reference

    [1] Skills You Need: Active Listening
    [2] Filtered: Body language for active listening
    [3] Forbes: People Will Like You More If You Start Asking Follow-up Questions
    [4] TAFE NSW Sydney eLearning Moodle: Confidentiality

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