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January 19th, 2013 at 05:20 pm
When I came home from work Thursday night to a dark house, I noticed a dim light coming from the kitchen. That's odd, I thought. I walked in there and found that the freezer door was wide open! Since i have been over-stuffing the freezer with all kinds of food items from BJs while I have the free 60-day pass (a brand-new BJs just opened in my area), I suspect that what happened is some food item fell off a shelf inside and knocked against the freezer door enough to open it. Perhaps it was only slightly ajar, but I have no doubt that once Luther investigated, he pried the door open even further, because he's a pro with kitchen and bathroom cabinets.
The funny thing was, the fridge was NOT running continuously, and even when I closed the door, it didn't start up again immediately. So perhaps I won't have a high electric bill due to the freezer running constantly.
And then there's the question of, is the food safe to eat? If the door was open when I left, it would have been open for as much as 10 hours before I got home. But I really have no idea.
Some of the small baggies of ground turkey did feel soft when I squeezed them, though still somewhat frozen in the center. Now I have eaten a lot of food that lingered unfrozen or partially thawed from Storm Sandy becus I hate to waste food. And so last night i had pasta with turkey meatballs (from the freezer). I feel fine. So I will continue to eat the food, but do so on days I'm not working, in case something doesn't agree with me.
So, I had some thoughts earlier about re-purposing the 200-odd stories I'd written for a website that folded. (The place that laid me off, sending me a wonderful journey called, Surviving Without a Job.) Getting a few published at other websites, even if for no pay, just to have some fresh hyperlinks around and available to embed in my resume.
I approached womanaroundtown.com this morning, and she liked my story idea, which seems very topical to me. The website's audience is urban women, mostly in the NYC area. I'll have to rejigger a story I'd written on my chosen subject because it was actually done in 2009, so a lot can happen in 4 years, plus I need to gear it to a different audience. Want to make sure it's all still accurate, etc. Now the question is, when will I get around to doing this?
Recycling these old stories will actually take just as much time as writing a new one but they can still serve as a kind of springboard. Still, I definitely can't afford to spend oodles of time on this when I should be focusing on earning income, period.
I still have about 70 pp to go on editing The Author's second book. Beyond that, I can look forward to editing her third book as well, since she asked me what it would cost and I gave her a price. That would make 2013 the third consecutive year I've edited a book for her....
I also have to finish up a condo sales brochure this weekend by interviewing a builder for their bio, and my real estate brokerage contact indicated there'd be another community that needs a brochure too when I finish this one. So... nice to have some money coming in, just as unemployment benefits wrap up.
I'm doing my second load of laundry now, and after that, I'd like to wash the comforter itself. Can't make the bed til FedEx delivers my Amazon shipment, which includes a new mattress cover.
I also hope to bake some banana walnut quick bread with some overripe bananas I've got. (You can freeze the bananas, right? Keep them in the peel?)
I vacuumed both floors already; they really needed it. I am also bleaching a bowl of pinecones I've collected; I did this before, around the holidays. It takes a fair amount of time for them to finally bleach out (better part of a day), but they look very attractive. If you don't like dark brown stuff, they bleach out to a light tan color which I like.
Plan to hit Trader Joe's and BJ's this weekend, though it's Shop Rite where I still have over $100 worth of unused gift cards.
The BJ's membership is actually pretty reasonable, just $40 as compared to Costco, which increased to $55. I am sort of tempted to go for it, but the game plan now is to just stock up like crazy on stuff til my temp free pass lasts, til end of February. I have very limited freezer space, so of course I can't bulk buy a lot of what I like to buy, like the teriyaki frozen chicken breasts, or the 3-packs of soy milk, etc. Or fresh produce. It really comes down to canned or packaged stuff, plus big boxes of cat litter, maybe some TP and facial tissues. I've tried pricing out the toilet paper to compare to prices elsewhere, or maybe at WalMart, but it's so hard to do that because they all contain different sized packages and jumbo rolls vs regular, etc. I swear they do that on purpose.
Oh, this week's big news on the health front is that my left ear is no longer clogged. It had been all plugged up from a cold/virus I got the week before Thanksgiving. So it took about 9 weeks (!!) to resolve. I am still getting lots of clicking in both ears when I swallow, but at least I can fully hear now and no longer live in a muffled world.
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January 16th, 2013 at 02:35 pm
I just had a really great idea for recycling something...
Before I was laid off in 2009 from a consumer website, I had written literally hundreds of online articles and blog posts on a wide range of personal finance topics. Although my employers had decided to discontinue the website soon after my layoff, I noticed that the site remained up; there just weren't new contributions/stories being added to it.
This proved extremely handy for me because I inserted multiple links to these stories in my resume, and I often linked to specific stories of mine, depending on the type of business of the company I was interviewing with. Of course, I had kept copies of all my stories saved in Word on my home computer, but it's much more impressive to email a prospective employer a link to a story that resides on a live website, complete with your photo, byline and the like.
So I made great use of the website for three years after leaving the company, but at some point in the last few months the company finally took the site down, no warning. I only found out when the woman at my current p/t job mentioned that a lot of the links in my resume "didn't work."
That was a big bummer.
But this morning I had an idea that I could easily RECYCLE all those stories and post them on other websites, to gain added exposure for very little work. (And I don't recall ever signing anything saying that my writing became their property.)
There are two websites I'm thinking of where I wrote a few articles in the past, when I had too much time on my hands; each has a specific demographic and subject niche, so I would need to tweak my stories, but it would be pretty easy to do. No extensive writing involved, and then I could gain added online exposure as a writer. (It's impressive to have a bunch of published articles up when applying for jobs and they Google search your name, a common practice.)
The two sites I'm thinking of know me and liked my work. Neither paid, though. (That's probably one reason why they liked me, because most competent writers wouldn't waste their time on unpaid work, so they'd be left with novice or sub-par writers.)
I could certainly approach other websites I haven't been involved with before, possibly for pay, although I'd also probably have to conduct some new research to make sure that what I'd written 3 years ago is still accurate.
So I have two ways to go,and I think I'll pursue them both: 1. Submit a few stories suitable for the 2 sites I've written for before, just to increase the number of online, published credits I can point to.
2. Find some other sites that will take the stories; if they pay, that's even better, although my original intent was just added exposure and credits on my resume.
I will need to set aside a block of time to do this, which means...not til Saturday.
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January 16th, 2013 at 01:02 am
Capital One already credited my $100 cash back, which is now in the mail, so I decided to go for the next credit card in my queue, another $100 cash back deal from Bank Americard, a company I vowed I would never do business with, but since they won't make a dime off me (aside from the credit card transaction fee they charge the merchant each time I use the card), i figured what the heck.
I met with The Author today at Starbucks and she gave me another hundred dollars. She and her husband will likely be moving to Delaware (or maybe NC) in 2014 because it's too expensive here in CT. I will miss her and our regular coffee shop get-togethers, where she regales me with tales of all the characters in her books. I'm pretty sure I'll be getting book 3 to edit after I'm done with this one; it's the final one in a trilogy.
This is the second one hundred dollar bill she's given me; hate to break those things. I need to deposit them both at the bank...soon.
Shortly after arriving to meet me there, she spilled her coffee all over the table! It was partly the fault of the Starbucks guy, who was unpacking about 20 boxes of supplies that had just been delivered and were sitting on this big long table, where the only available seats were left.
After our morning tea/coffee, I headed for BJs to return some American-grown brown rice (organic, no less). I recently read the Consumer Reports story from last November about the high levels of arsenic found in American grown rice, due to the legacy of decades of pesticide use. The pesticides have been outlawed, but they remain in the soil, and rice, because it is grown in flooded rice paddies, absorbs a much higher amount of arsenic than other vegetables. It's actually safer to buy rice now from Thailand or India. Here's the article, if you're curious:
http://www.consumerreports.org/cro/magazine/2012/11/arsenic-in-your-food/index.htm
Sunday I did 24 pages of legal editing for a client and yesterday and today I worked on a real estate brochure. I just need to interview the builder and then write his bio.
I also managed to get 5 or so very heavy logs into my trunk and dumped them at the landfill. I have a pile in my driveway, compliments of Sandy.
I collected $100 cash from a focus group last week, which was nice. Back to work at the p/t job tomorrow.
Spent my recent Amazon gift cards on a mattress protector/cover, a book on the evils of sugar, a cat toy filled with catnip and a special cushioned seat for the cat that sits on top of and is made especially to fit The Ultimate Scratching Post, which I have. I think Luther will really like it. When I'm in the kitchen getting dinner ready, he likes to hang out with me as he always does (he's laying in front of the computer monitor now) but I walk around the kitchen so much i think he's afraid of getting stepped on, so he'll often lay down in the doorway at a safe distance. Having a place to lay on top of the scratching post would be really nice for him.
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January 13th, 2013 at 04:45 pm
I guess I hadn't really thought this through. You coudln't reasonably expect that just because your home value dropped substantially, that the town/schools would then cut an equal amount from their budgets.
"There have been drastic reductions in property values since then," he said. "Since most homes in the town sales ratio are down around 30 percent, homeowners should expect their revaluation to mirror that trend."
"...The drop in assessments will continue to assure everyone pays an equitable share of property taxes, it does not mean they will see a 30 percent reduction in their tax bill. That is because the cost to run the community from a government standpoint, cannot retract by 30 percent.
"The level of tax revenue will nearly balance out by slight increases in auto and personal property taxation, slight increases on some of the town's larger homes, and a countering increase in the mill rate. A mill represents one dollar of taxation for every $1,000 in taxable property.
"There has to be an adjustment against the grand levy, which is the overall cost to run the town," he said. "The amount needed to function remains constant, even though the assessment of properties decline to correspond with the drop in property values."
Big bummer.
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January 12th, 2013 at 04:13 pm
Finally, what I've been waiting for...our town's four-year property revaluation.
Four years ago, in 2009 I guess it was, our property was valued pretty high since the assessment was based on 70% of the Oct. 1, 2007 market value. But now (finally) we're due for another revalu, and I just got the notice from the assessor's office that my value has dropped considerably.
Bad news, I guess, if I wanted to sell now, but pretty good news if I want to pay lower taxes:
Old assessment: $269,760
New assessment: $175, 770
The new assessment is based on 70% of the Oct. 1 2012 market value.
That's a difference of $93,990, or a 35% reduction. so 35% less of $6600 (my current annual taxes) would be $4,290, if I figured that correctly. Put another way, a savings of $192 monthly/$2,310 annually.
It makes remaining here instead of moving a bit more feasible. And since the revals are only done once every four years, I could sort of count on that for four years. However, the new mil rate will be set in the spring after the budget vote. So I don't know. I think I can safely look at the 35% reduction as a BALLPARK reduction in taxes, but it could be somewhat less if the town budget rises. Which is usually does, by at least 2%.
Right now, my property taxes are not quite tied with my COBRA/health insurance premiums for #1 expense in the Patient Saver household. (Monthly COBRA: $562, monthly property taxes: $548). I'll be curious to see how much my property taxes drop down in my ranked expense list.
I guess in my mind this sort of commits me to staying in this house for another four years, as I want to maximize my profits when I move. I bought the house for $209,900 in 1995.
Not much else new, though I haven't posted recently.
Going for lunch at the neighbors tomorrow; I'll be returning some food containers of hers from when she brought me hot, home-made soups when I was sick (what a neighbor!) and I'll be filling them with my chocolate nut and cranberry clusters.
On Monday I'm getting together with The Author. I think she'll have another payment for me on the book; she's a little behind on the schedule.
Also on Monday I have to return to the computer repair guy for the 3rd time as he's been unable to fix an annoying problem whereby my computer locks or freezes up (with the spinning circle) every 10 minutes or so and I have to wait for a minute or two for it to resolve. He charged me $105 to add more memory and that didn't do anything to fix the problem. I really can't afford repair bills and am hoping he won't charge me again. (He didn't charge the 2nd time.)
This weekend I can start work on a new condo brochure; my client, a real estate brokerage, often gets condos, new subdivisions or other communities that other brokerages have been unable to market/sell successfully.
Hmm. Just realized dropping off the computer and possibly not having it for 2 days may interfere with that freelance job. May have to delay the repair another week.
I just spent about $50 worth of Amazon gift cards I earned from online forums. I bought a book, a mattress cover and two things for the cats: a catnip toy and a cushioned seat that fits over the Ultimate Scratching Post. They didn't really get anything for Christmas, so I think they deserve it.
I only have 2 more weeks left of unemployment benefits. Considering that I thought they would run out last April, I guess I did pretty well stringing it along with my part-time and freelance jobs. But it really will run out for good before month's end. that's the scary party, becus not counting my freelance work, my p/t job only nets me a little over $900 a month, which is about half of the bare minimum I need to cover monthly expenses.
The freelance work is impossible to predict, but looking at last year, I see I earned a low of $0 in May to a high of $2,709 in October. So it's hard to count on that money, or at least, to count on the timing of receiving that money, but the average works out to about $500/month. I think that while I've raised my prices over the years, they're still pretty low, but I can only raise them by degrees, once a year at most.
Anyway, I was able to save enough money in an online money market to cover my next bi-annual property tax bill, but after that, I suspect I'll have to begin withdrawing savings. Assuming I still can't come up with a f/t job or another p/t job to supplement what I'm getting now.
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January 5th, 2013 at 06:15 pm
Well, if you were hoping for some sort of existential, I'm-pulling-my-life-together-again muse, I'm afraid I'll have to disappoint.
No, what I was really referring to is the fact that I fit into many of my old (smaller-sized) pants again. And it feels great!
This morning I met the second author whose book on business ethics I edited this past summer. We met at a local coffee shop very close to the Sandy Hook School. First time we met. Nice guy. He gave me an advance copy of the book as a present, and I had him autograph it. He even mentioned me among the five people who helped him write the book, in the acknowledgements section. Very nice! It will be on Amazon shortly.
On the cover is a great old b/w photo of his father standing in front of what looks like a rustic summer cabin. It kind of goes with the book because he intersperses life lessons he learned from his father with his business dealings and career.
I don't have many other plans for today. My friend Michael has been calling (and missing) me for several days now, so I finally got back to him after he'd mentioned possibly getting together today. (Cus I haven't seen him in years since he's been dating so-and-so.) But no, that didn't work out.
Since I have Monday/Tuesday off from work, I would rather save my shopping errands for a weekday when it's so much less crowded in the stores. I want to hit Shop Rite, BJs and Trader Joe's.
Maybe today I'll make some granola. Perhaps a soup. Laundry to fold. Vacuuming, too. Tonight I have a DVD to watch.
Tuesday I have a focus group to do in the morning. $100. The focus groups are few and far between; they don't like to recruit "professional" focus group people who do these frequently. This one is on soy milk, so since I'm a big fan, it should be interesting.
I have been getting feedback of work to come from various clients, but nothing yet,aside from some small-scale editing from the IT Director. Real estate client has a new condo project that will need a sales brochure. Guardian ad litem has some legal editing for me soon, she reports.
I got the first "full" size paycheck from my p/t proofreading job. I was curious how accurate the estimate of my net pay would be by an online net pay calculator I used (Paycheck city). As it turned out, after I made sure to indicate the number of federal exemptions I claim, it was VERY accurate and just off by $1!
Nothing else earth-shattering to report. I did sell $3,000 worth of T. Rowe Price International Equity Index fund, and once it hits my checking account, it will be reinvested in a Vanguard REIT Roth IRA. I hope to repeat the same, for a total of $6K, sometime between now and April at a new high for the fund (or its MSCI EAFE index).
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January 1st, 2013 at 02:38 pm
Resolution #1:I've decided to fully fund ($6,000) my Roth IRA in 2012. The decision was sort of up in the air as I'm still living hand to mouth (see my 2012 income/expense wrap-up) and have only so much ($67K) set aside in taxable investments.
It may seem like a lot of money to some, at first blush, but I don't know if I'll EVER get another f/t job. (I'm in my early 50s and not getting any younger.) So I may need easy access to that money to live on and see me through until I can start collecting SS. The money was really earmarked for retirement (and for a new car, eventually), even though it's taxable money.
But anyway, I decided I didn't want to pass up the tax deferral benefits (and tax-free withdrawals) of a Roth, especially when I can simply transfer the full amount from my taxable investment to a Roth IRA.
Because of the current makeup of my portfolio, I decided to open a new mutual fund to fund the Roth IRA, a Vanguard REIT index fund. By withdrawing the money from my sole taxable fund, an international stock fund, I'll also be lowering my stock weighting, something I decided I should do as I get a bit closer to retirement age, so that instead of having 65% of my investments in stocks, it'll be just 60%. Less equity exposure = less risk in the event of another huge downturn in the market. Unlike a younger person, I'd have less time to recover from such an event.
But first I have to sell the $6,000 from my T. Rowe Price taxable fund and I thought I'd watch the daily share price and wait for a day when it was up more. (I've got til April to fund the Roth IRA so there is still time.) Then I'll have to wait for the check, or $$ in my checking acct, before I can fund the new Vanguard REIT.
Resolution #2: Maintain the weight loss, i.e., the weight I lost during my extended illness. I think I lost about 7 lbs, and I see from this morning's weigh-in that my weight crept up again by 2 lbs. so I'm determined to stop that trend right away. My formula is NO sugar, except what's found in fruit (and I do enjoy the occasional OJ) and MINIMAL wheat intake (read Wheat Belly if you're wondering why). I'm switching to oat cereals, my own oat-based granola and pumpernickel bread instead of whole wheat. I think my 2 lb gain is probably due to additional sweets I've been eating over the holidays. Someone at work gave me a small tin of chocolate cookies; after eating about half of them and not especially liking them, I MADE myself throw them away. There's also been donuts and more chocolate available for the taking at the office. Good thing I'm only there 3 days a week. (The only non-fruit sweet I'm allowing myself now is one square of 86% dark chocolate a day.)
Resolution #3: I hesitate to even list this, becus it's on my mind constantly and is an obvious no-brainer, but Resolution #3 is to get more work, and really, it needs to be full-time work.
Going off on a tangent, but something that's been on my mind...A friend of mine is constantly complaining about her lack of money and her inability to do the things she wants to do due to lack of money. When I suggest she find a job, she complains about the lack of decent paying jobs.
Umm, no kidding. So I told her to just take any job she can find, if it's local. She's really not qualified to do much of anything. Becus if she waits around for some high paying job, she'll never find it. She's not very employable. I'm not sure what work she'd done before, but for as long as I've known her, she hasn't worked much and can get away with doing that becus her husband has a good job. Although I think from things she's said that he would be happier if she was working, becus money is somewhat tight for them and right now, she contributes next to nothing to the household budget.
She had a p/t job teaching art to the seniors at the senior center, but she recently quit that; she had been upset a few months earlier because she hadn't gotten a raise in 3 years. Now she works just one day a week for a retail store. And then she complains (she must've told me at least 5 times) that this is the first time in 25 years that her husband didn't get a bonus.
It's really hard for me to feel sympathetic. The size of the annual bonus I got at my last f/t job would have been enough to cover all of my living expenses for 3.5 months. Now, I can just drool when I hear the words "annual bonus."
So then I get an email from her saying she needs to take a month to "get her head together," that she's "a mess" and "exhausted" after quitting the senior center and her assorted health issues, and only after she has time to focus on herself and get her head back on will she begin looking for work. Big eye roll here. Good luck with that!
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December 31st, 2012 at 08:12 pm
A new BJs was just built nearby, and I got a coupon for a free, 60-day membership to try them out.
Today was the last day i could activate the coupon, so off I went.
Was curious to see how they compare to Costco. Anyone have an opinion on that? I don't think I'll spring for the $50 membership when my trial run expires Feb. 28, but I WILL stock up on any good deals I find.
I didn't scour the entire store today, but I did find some good buys. Among them:
Amy's organic canned soups usually go for $2.99 ea at Shop Rite, which I find has the best supermarket prices in my area; BJ's had them for $1.66 each!! (You have to buy a 6-pack though, so then of course you can't chooses the flavors.)
Shop Rite's best SALE price on a half gallon of organic, refrigerated soy milk is $3; BJ's had it for $2.43! (You have to buy 3, but I'm just freezing 2 of them.)
I also got a box of Amy's organic bean/cheese burritos and some other stuff. I sort of want to go back there tomorrow now! I was in a rush today as I had a ton of other errands to do, including using my $10 free BP gas card, a stop at Shop Rite for sale items, using up some gift cards at Home Depot, attempted return at Wal-Mart (no go), a bank deposit and a haircut.
I bumped into The Author and her husband at Home Depot. Would've walked right by her if she hadn't said something cus I'm usually preoccupied with my thoughts, I guess. Her husband is very nice...he said the proverbial, I've heard SO much about you, but he emphasized SO. She must be very entertaining to be married to, becus I know she reads her stories out loud to her husband, especially the steamy parts ( and is always scouting for ideas for her plots and characters.
I know she's gotten me something for Xmas and keeps saying we need to get together. I didn't get her anything this year and quite honestly don't want to spend the money, but I need to get her SOMETHING. It would be nice to get her a steamship or luxury cruiseliner, since it figures prominently in the book of hers I'm currently editing. Like a Xmas ornament, but doubt I'll find that now.
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December 31st, 2012 at 08:01 pm
My 2012 total spending: $35,846
My 2012 total income: $35,970
When compared to last year, if you subtract the vinyl siding ($13,789) I got last summer, my total annual spending this year is roughly the same as last year. As much as I tried, I wasn't really able to reduce it further.
However, I did pay off the mortgage in July so next year, my #1 big expense will be HISTORY.
Here are my top 7 2012 expenses, ranked in order of size:
Mortgage/property taxes: $15,826.
Comment: This year, my mortgage/property taxes represent 44% of my total expenses. The reason that number's so high is because I'm underemployed and only working p/t. Next year, sans mortgage, the property taxes should drop to just 17% of total expenses, tying with health insurance for the #1 spot.
Health Insurance: $6,372.Up 6%.
Food: $2,859.
Comment:As much as I tried, I failed to lower my food costs; in fact, they rose by 9%.
Fuel Oil: $1,218. Up 8%.
Health co-payments: $1,178.
Comment: Up 29%, solely because I went to the doctor more.
Gas for car: $905
Comment: This figure is 37% higher (!) than last year, and I attribute it mainly to the driving job I had for about 4 months, when gas prices were rising.
IRS: $899
Comment:This represents quarterly estimated tax payments for my self-employment income.
Expenses #8-15:
Car repairs: $824.
Comment:I was doing very well all year until November, when I had a $600 repair bill to replace rusted out fuel and oil lines.
Car insurance: $438 since I switched policies.
Household: $$754.
Comment: This is my one "catch-all" category for things that don't neatly fit in another category.
Sewers: $738.
Comment:This includes both usage and loan repayment.
Phone/Internet: $549.
Comment: Amazing. A utility expense that actually dropped, by 9%. This year, I saw hefty increases in my top 8 biggest expenses.
Homeowner's Insurance: $484.
Comment: I switched to Safeco.
Electric: $462.
Comment: Another falling utility; it fell by 61%, partly because last year I believe I got a $200 refund for the extended power outage we had.
Cats:$460.
Maintenance:$252
State of CT: $208
Water:$199
Borough taxes: $165
Gardening: $141
Dump sticker: $85
Birds: $83
Car tax/reg/license: $79
Haircuts: $68
Gifts: $51
Clothing: $49
Dining Out $48
Subscriptions: $40
Entertainment: $19
Vacations: 16
Comment:This was all i spent on a trip lasting a few days down to see my dad on the Jersey shore. He paid for my gas and meals; all I paid for was the tolls.
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December 25th, 2012 at 10:17 pm
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December 25th, 2012 at 10:14 pm

...an empty Wal-Mart parking lot on Christmas Day.
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December 25th, 2012 at 12:12 am
My 2012 total spending: $35,846
My 2012 total income: $35,970
When compared to last year, if you subtract the vinyl siding ($13,789) I got last summer, my total annual spending this year is roughly the same as last year. As much as I tried, I wasn't really able to reduce it further.
However, I did pay off the mortgage in July so next year, my #1 big expense will be HISTORY.
Here are my top 7 2012 expenses, ranked in order of size:
Mortgage/property taxes: $15,826.
Comment: This year, my mortgage/property taxes represent 44% of my total expenses. The reason that number's so high is because I'm underemployed and only working p/t. Next year, sans mortgage, the property taxes should drop to just 17% of total expenses, tying with health insurance for the #1 spot.
Health Insurance: $6,372.Up 6%.
Food: $2,859.
Comment:As much as I tried, I failed to lower my food costs; in fact, they rose by 9%.
Fuel Oil: $1,218. Up 8%.
Health co-payments: $1,178.
Comment: Up 29%, solely because I went to the doctor more.
Gas for car: $905
Comment: This figure is 37% higher (!) than last year, and I attribute it mainly to the driving job I had for about 4 months, when gas prices were rising.
IRS: $899
Comment:This represents quarterly estimated tax payments for my self-employment income.
Expenses #8-15:
Car repairs: $824.
Comment:I was doing very well all year until November, when I had a $600 repair bill to replace rusted out fuel and oil lines.
Car insurance: $438 since I switched policies.
Household: $$754.
Comment: This is my one "catch-all" category for things that don't neatly fit in another category.
Sewers: $738.
Comment:This includes both usage and loan repayment.
Phone/Internet: $549.
Comment: Amazing. A utility expense that actually dropped, by 9%. This year, I saw hefty increases in my top 8 biggest expenses.
Homeowner's Insurance: $484.
Comment: I switched to Safeco.
Electric: $462.
Comment: Another falling utility; it fell by 61%, partly because last year I believe I got a $200 refund for the extended power outage we had.
Cats:$460.
Maintenance:$252
State of CT: $208
Water:$199
Borough taxes: $165
Gardening: $141
Dump sticker: $85
Birds: $83
Car tax/reg/license: $79
Haircuts: $68
Gifts: $51
Clothing: $49
Dining Out $48
Subscriptions: $40
Entertainment: $19
Vacations: 16
Comment:This was all i spent on a trip lasting a few days down to see my dad on the Jersey shore. He paid for my gas and meals; all I paid for was the tolls.
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December 24th, 2012 at 08:12 pm
We...
that's me..
, Luther,
and my bud, Waldo...

wish you a Merry Christmas.
Mom baked this maple nut pie today.

It's made with real maple syrup and walnuts, pecans, hazlenuts and dried cranberries...oh so easy/yummy. Similar to a pecan pie.
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December 24th, 2012 at 02:57 pm
I've started tallying up my 2012 income and expenses. This is when all the meticulous tracking of expenditures pays off. I get to see the big picture and ascertain whether I truly "Save more, spend less."
While I have yet to figure my "regular" income from actual work, here's the breakdown of many of the miscellaneous things I've done during the past year to make money (or gift cards). For fun, I've also indicated what I spent those gift cards on.
Credit Card Gift Cards: $621. This includes $250 from Citi Thank You, $250 from Amex Premier Rewards and 1 year of free Netflix from Citi Forward (a $96 value).
Credit Card Cash Back: $371 (This came from Discover, Citi Dividend and Chase Freedom.) This money just went in my checking account, toward general living expenses.)
Online Surveys: $480. I decided doing these incredibly boring and repetitious online surveys was not worth my time, so except for Pinecone, I won't be doing these anymore.
Online Forums: $545. Unlike the online surveys, these aren't as lengthy or repetitious as those surveys mentioned above. I do 4 of these, each hosted by a specific company that wants to get inside consumers' minds. Once a week there is a discussion activity or survey that takes about 10 minutes to do and in exchange I usually get at least $40 in Amazon gift cards or the occasional gas card from a certain oil company.
Focus groups: $100.
Product testing: $203.
Craig's List: $140
So my total earned from all sources was $2,460; about half of this, or $1,230, was in gift cards. Much of it was Amazon gift cards but when I had a choice, I picked out gift cards for WalMart, Kohl's, Lowe's and Home Depot, Home Goods, and Bed Bath & Beyond.
As for how I redeemed the gift cards, i tried to find a balance between putting themn to practical use for things I know I'd need and allowing myself to indulge a bit. Here's how I spent the Amazon gift cards:
INDULGENCES
1. 12 books. I feel that books are among Amazon's best values, so while I wouldn't be buying these books otherwise, I indulged and felt it was money well spent when I used the gift cards. Cus there are many things that seem higher priced on Amazon than what you can find elsewhere.
2. Dark chocolate
3. 5 lbs of black licorice Scotties Admittedly, a waste of money but I had a craving and 5 lbs was the smallest amount you could buy on Amazon. I ended up using some of the licorice in Xmas goodie gift bags for 2 people at the office, so it did save me money there, at least.
4. BPA-free ice pop molds
5.Nylon concrete fibers to strengthen the hypertufa planters I began making last summer
MORE PRACTICAL PURCHASES
1. Dr. Bronner's soap.
2. Stainless steel brownie pan (Just as I'm getting away from using plastic for food storage, I'm also transitioning from no scratch or aluminum baking pans to stainless steel.)
3. Red and cream flannel duvet cover, which I LOVE and appreciate every night! Probably my favorite GC purchase.
4. Squirrel baffle for my bird feeder
5. Well-designed mouse traps
6. A recipe book stand to replace a plexiglass one I had that melted when i put it too close to the stove.
7. glass pitcher with lid I like this, but I later found I could have gotten the same or similar item much cheaper elsewhere.
8. Bamboo drawer organizer
9. Underwear
10. A set of 4 rubber floor mats for my car
11. 2 small fans that fit inside my 2 attic windows
12. a very nice nickel-plated hanging pendant lamp that i screwed into the recessed light above my kitchen sink.
As far as the other gift cards I got, I am giving a $25 GC for Bed Bath & Beyond to my mother as a Xmas present. I redeemed another $25 Home Goods GC for an Asian looking pagoda that stands in my garden. Also 2 pairs of pants, 3 bras, a sweater, bedroom curtains.
I collected points when buying Lean Cuisine meals to redeem them for subscriptions to Kiplinger's, Country Living, Money magazine and Better Home & Garden.
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December 22nd, 2012 at 05:10 pm
One week after the horrific shootings in Sandy Hook, I am overcome by the outpouring of love and support. Our weekly newspaper, which covers just our town, was filled with evidence of the compassion of people everywhere.
A man from Mississippi anonymously bought lunch one day this past week for every person ordering a sandwich at the General Store. Amazingly, 2 others did similar things on 2 other days.
There have been so many teddy bears and stuffed animals donated, that today the town is having a toy distribution and has invited residents to stop by the town hall to pick one out. Our local paper is doing the same thing.
Local businesses are finding ways to give to the community as it grieves. The local sports center opened its doors to children and arranged for all sorts of children's activities to give kids and their parents a break from all the goings on here. Over 2,000 attended.
The Parks & Rec Dept is raising funds for a memorial to those slain. Close to $2 million has already been raised toward scholarship funds. A local chiropractor is giving away free adjustments to locals who need it. Therapy dogs from all over the country have arrived here.
A woman from Iowa, a teacher, drove all the way to New Jersey, where she had friends, baked 240 pies, and then gave them away to passers-by in front of our old town hall. A church in Hartford, CT made up hundreds of doggie bags filled with peanut butter dog biscuits, which are now being made available to dog owners in town. It's really quite amazing.
The newspaper's letters to the editor column was filled with letters of support from as far away as Scotland, England and Australia. There were also many full page ads from out of state individuals, organization and companies I'd never heard of expressing their support.
The vigils in neighboring towns continue and the makeshift memorials have multiplied on every major intersection of the town, filled with candles, toys and flowers. The one surrounding our famous flagpole, which stands in the center of Main Street, had to be moved elsewhere because the pile was becoming a traffic hazard.
I truly hope these children did not die in vain, and that the momentum inspired by the tragedy will lead to meaningful new legislation concerning gun control. You don't need a Glock to go hunting. Private citizens don't need military style weapons, period. Or ammo clips with 30 rounds in them.
Ludicrously, I heard an NRA representative on an NPR talk show suggest that teachers be allowed to carry firearms inside the schools. How many more lives would be lost in the panic and confusion of another school shooting?
More recently, I heard the NRA has suggested that a police officer should be on the premises of every school in America.I am quite sure they have only suggested this because they've heard the outcry against firearms in the wake of the Sandy Hook shootings and they realize that if they remain silent, they may lose the ability to carry certain firearms.
So they are trying to shift the conversation from making it harder for deranged individuals or high-powered weapons fanatics to obtain them to simply beefing up police presence in an elementary school.
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December 21st, 2012 at 11:47 pm
Today was a pretty nice day.
My boss, my boss's boss and a co-worker at the new job gave me those little gift bags full of goodies...mostly sweets that I don't need or especially like, but it was nice just the same. (Actually, one of the items was a large bar of designer soap, something I can use.) There was extra food in the kitchen this morning and in the afternoon we had a Secret Santa exchange.
I picked out what turned out to be a kid's toy that looks like a karaoke microphone with a built-in recorder, really the last thing that I'd want, but the woman next to me said her kids would love that kind of thing and said she'd trade me her gift, a nice glass carafe, made in Poland, with a very contemporary shape to it. I was happy to trade.
I was also surprised I even got a small bonus in my paycheck. Just $25, but you have to remember I've been there about one month now, and for at least half that time, I haven't actually worked due to my illness.
My fifth trip to the doctor was Tuesday night. Told her I'm still sick, runny nose, coughing, very tired, still the plugged up left ear. She drew blood, gave me a chest x-ray to rule out pneumonia and looked into Lyme again. Everything came back normal except my "sed rate," which stands for sedimentation rate, is sort of high (35 instead of the normal range of 0-20). It indicates there's an infection somewhere in my body but that's all it tells you. The only thing she's still waiting for, and which I'll have to wait til Monday for, is the results from the Quest Lab that drew yet more blood to see if something...a culture...would go in it. If nothing does, I guess that's pretty much definitive proof that I DON'T have a bacterial infection, which my PCP had said I had very early on. It would explain why antibiotics haven't really done anything. Yet if it's viral, this has gone on very, very long. Normal duration for viral is 7 to 10 days; I've been sick a month.
So now I have yet more doctor's bill and lab bills to pay in the coming weeks, yet I'm not sure we're anywhere closer to finding out what my problem is.I sense my PCP is running out of ideas, altho she suggested that even tho I feel no pressure in my sinuses that she could do a CAT scan of them to see if that's the problem. I think I may pass on that.
Perhaps my body will somehow rally now and recover on its own. I am still taking raw garlic cloves multiple times a day and today i also picked up some elderberry extract and, for my ear, a mullein/garlic mix; you just put a few drops in your ear several times a day. We'll see how that works. At this point, I'm desperate.
I still have to wrap a few presents and tomorrow I start dethawing the turkey (a freebie from Thanksgiving, gift from employer) but aside from that I guess I'm ready for the holiday.
I applied back in late November for a contract, p/t real estate writer job and only heard from the hiring employer yesterday. He got a ton of responses and "narrowed it down" to 12 people, including myself. I had to fill out a detailed online questionnaire about why I'm best for the job. It only pays $20 an hour, but I'd grab it in a heartbeat as it's better than the $12 I'm making at my other p/t job plus it's work at home. So I actually would LOVE to get that job.
I have felt so out of it for so long. Someone at my job today mentioned I was so soft-spoken, but I didn't have a chance to tell her that I'm soft-spoken because I can't properly hear how loud my voice is with my ear plugged up, and so I guess it sounds like I'm whispering or something.
Thankfully, I've started doing a few other things at my job so there's at least a bit of variety in what I've previously described as "stupefyingly boring." It's all very detail-oriented. And she asked me to write a blog as she knows I can write, and I did that. At first I wasn't sure if I wanted to as I charge 7 times more for doing so as a freelancer. However, I decided I should do it because it will raise my profile in the company and perhaps the prez or others will take notice that i have greater abilities than as a proofreader and could possibly be offered more to do or maybe get a promotion or f/t job offer someday. So, I swallowed my pride and just did it, writing about how college students can build a credit history.
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December 15th, 2012 at 10:00 pm
UPDATE: Saturday afternoon I saw 5 large helicopters in the sky near my house. At first I thought they were news helicopters but I quickly saw they weren't normal helicopters; they were those hotdog-shaped helicopters used by the military (or Airforce One). They seemed to be traveling west directly above Rt. 25 and then veered to the north (toward Sandy Hook) at the flagpole.
We didn't learn that President Obama would be visiting my town until last night, but my friend said what I saw was a security detail meant to scope out the route in advance. However, news reports have indicated the President will arrive at Bradley International Airport in Hartford. I guess if he is then driven to My town (a good hour-long drive from the airport), then the security issues still need to be worked out.
It was an impressive sight.
I have also heard that the superintendent of schools has hinted that Sandy Hook School may never reopen. This, after I received a robo call last night from our town's first selectman saying that all schools in my town will be closed Monday and then all except Sandy Hook School will reopen on Tuesday.
If I were a parent, I would want that school razed to the ground. How could any parent feel good about sending their children back there? Although budget votes are always contentious battles here that pit seniors and frugal-minded folks against school supports, I suspect that if the subject of building a new elementary school comes up to a vote this spring, it will pass, easily.
Original Post:
The national news media has descended on our little town. As you approach Sandy Hook Center, which resembles a small hamlet, it's bumper to bumper traffic, and cars with lots of out of state plates are lined up parked on both sides of the road.
Satellite trucks are everywhere, TV crews and reporters are interviewing people on the streets, cops still have the road leading to the school blocked off to traffic, but they're allowing people to go to the firehouse (not sure about the school) on foot.
It's a very small and picturesque little Center. Historic 18th century homes line Church Hill Road as it descends down a hill toward the traffic light. There's a liquor store, Figs Restaurant, a Subway, a diner, St. John's Episcopal Church, the Demitassee coffee shop and a few other stores. There's the Pootatuck River that meanders through the Center, behind all the stores, and you can enjoy a lovely view if you sit on the back deck of the coffee shop. The sidewalks are brick, and the merchants have been working for years to revitalize the area.
People are out walking with bouquets of flowers and impromptu memorials filled with votive candles are all over town. Someone bought 20 Christmas trees, 1 for each child, and set them up. Saturday mass at St. Rose is packed right now.
A man was standing just off the interstate exit holding a sign that indicated he was from some town in NJ and that they support us. Other signs just said "Say a prayer." You can tell who the press is becus for some reason they all seem to dress in all black. It's all very sad.
I heard a few reports that the shooter was some sort of troubled genius, which makes me very angry. They shouldn't be turning him into any kind of figure that others would emulate or we'll have copy cat killers who harbor sick fantasies about becoming famous before they go out. Obviously this was a sick individual. No one in their right mind would hurt an innocent child.
I am sure that most people who live near the Center are hunkering down this weekend because you cannot venture out without getting stuck in bumper to bumper traffic. We saw a few familiar news faces out there.
Now that it is dark, I'm sure the disparity of festive Christmas lights and greenery on all the shops and homes down there is going to feel so unsettling against the backdrop of what happened.
It's hard to go about my normal routine. Although I don't personally know anyone with children in that school, I feel so distracted by the enormity of what happened, and I know that Christmas will never be the same for so many people.
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December 14th, 2012 at 10:37 pm
Today, my hometown made national headlines, for all the wrong reasons.
A local elementary school here was the scene of the latest lone gunman gone berserk. Twenty-seven people died this morning, most of them little kids.
I worked all day at the p/t job I've been at for less than a month. I absolutely could not believe this happened here.
I was concerned about trouble getting home from work tonight, as i heard someone saying earlier in the day the police were doing car by car searches, but that was really in a different part of town and didn't affect me at all.
I am sure I will be hearing much more about this as the days go on. You probably know as much as I do at this point. A 20-year-old man is the suspect, and he shot and killed his mother, a teacher who worked at the school, as well as a bunch of other people, before he died.
As someone here was already quoted, "we thought this was the safest place in America."
UPDATES: A friend of mine told me this is going to hurt my property values, because people will forever link "Mytown" as the town where that awful massacre took place.
I don't know many people here with kids this age, although The Author has a young niece who worked as a teacher at that school. She had the day off yesterday but went in anyway and was there when everything happened. Luckily she is safe.
My friend R. is coming up this afternoon. He wants to see what is going on in town now and is stopping by to pick me up. There is national news media all over town, doing interviews at iconic landmarks around town. There was a prayer vigil at a church last night, and another one at the high school tomorrow.
Saturday update: The national news media has descended on our little town. As you approach Sandy Hook Center, which resembles a small hamlet, it's bumper to bumper traffic, and cars with lots of out of state plates are lined up parked on both sides of the road. Satellite trucks are everywhere, TV crews and reporters are interviewing people on the streets, cops still have the road leading to the school blocked off to traffic, but they're allowing people to go to the firehouse (not sure about the school) on foot. People are out walking with bouquets of flowers and impromptu memorials filled with votive candles are all over town. Someone bought 20 Christmas trees, 1 for each child, and set them up. Saturday mass at St. Rose is packed right now. A man was standing just off the interstate exit holding a sign that indicated he was from some town in NJ and that they support us. Other signs just said "Say a prayer." You can tell who the press is becus for some reason they all seem to dress in all black. It's all very sad.
I heard a few reports that the shooter was some sort of troubled genius, which makes me very angry. They shouldn't be turning him into any kind of figure that others would emulate or we'll have copy cat killers who harbor sick fantasies about becoming famous before they go out. Obviously this was a sick individual. No one in their right mind would hurt an innocent child.
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December 14th, 2012 at 10:32 pm
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December 11th, 2012 at 08:20 pm
Got my new Capitol One credit card in the mail today. I planned on using it to pay my property taxes. My property tax bill indicated there would be a convenience fee but I figured paying $3 or so would still be worth it, since I'd be earning $100 cash back from Capitol One.
I went to the website of "Official Payments" to do so and after entering my data, I learned there would be a $91 convenience fee to do so using my credit card. (A debit card is charged just $3; too bad I don't have a debit card.)
$91???? You've got to be kidding me!
I called my town clerk's office to complain about this. Perhaps they were unaware Official Payments charges such usurious fees. The town clerk was nonplussed. Why would anyone pay such an outrageous fee, I asked. Well, maybe some people have no other way to pay their property taxes than with a credit card, she said. I'm surprised the town of NXXXX would do business with a company like that, I said. Oh, a lot of the towns do business with them, she said.
Geez. I just can't believe government entities would condone this kind of charge. I have half a mind to complain to someone at the state level.
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December 11th, 2012 at 02:42 pm
I'm really amazed.
While I was sick, I lost 7 pounds (!!) but I was quite sure I put it all back on when I started on the Prednisone, which is known to increase one's appetite. I distinctly remember one period where I ate pasta four meals in a row! That's how hungry I was.
So after putting off a weigh-in, I stepped on the scale this morning, and was amazed to see I'm holding steady at 140 pounds, just 5 lbs. shy of my Dating Dr. Bob weight 5 years ago.
While I was sick, I read William Davis's best-seller, Wheat Belly. And while I'd like to give a wheat-free diet a shot, I don't anticipate giving up wheat products entirely, at least not to the degree he advocates. But anyways, I haven't really purged wheat from my diet.
So what accounts for the weight loss, even despite the Prednisone?
It wasn't hard to figure out. Sugar.
Since I'd been on antibiotics for weeks, and since I've had problems with intractable yeast infections in the past, I was rather obsessively preoccupied with ensuring I wouldn't come down with another yeast infection. So I eliminated the many foods and ingredients that feed a yeast imbalance: cheese, bread and yes, SUGAR.
I drastically cut back on sugar in my diet these last 3 weeks. Although I always felt I ate a healthy diet, sugar is hidden in everything, and you won't know it unless you look for it.
I always read ingredient labels when food shopping, but truth be told, I would usually be looking at saturated fats, sodium and unhealthy preservatives. Sugar was not something I really paid attention to.
Years back I got hooked on Kozy Shack rice pudding. I figured it was a healthier alternative to cookies or ice cream. That may be true, but it's still loaded with sugar.
The kefir yogurt drink that tastes so good. LOADED with sugar! As is most commercially made yogurt, even my favorite, the "healthy" alternative, Stonyfield Farms. I can no longer justify eating their yogurt, organic or not, because of the high sugar content. 25 grams of sugar in a 6 oz. container!
Even the vanilla version of coconut/almond/soy milk is also quite high in sugar. You have to read EVERYTHING.
Of course, those coconut macaroons I recently found, are also filled with sugar. Oh, they tasted good.
About the only sugar I'm allowing myself now is that found in fresh fruit. The fruits higher in natural sugars include bananas, pineapple and mango. I happen to love those fruits, so jury's still out whether I'll ban those from the diet. In fact, I know I won't.
I also still like Trader Joe's reduced sugar jams: apricot, blueberry and raspberry all come in at a reasonable 6 grams of sugar per tablespoon.
So anyway, it had to be the sugar. It's funny, with all the diets out there, I never hear anyone talking about sugar. Sugar converts into glucose, which in turn converts into stored fat, so it makes sense to monitor sugar intake as well as be conscious of the glucose levels of different foods.
For that reason, I don't think it would be too hard to switch over from whole wheat bread (which shockingly has a glucose level nearly equal to white bread), to pumpernickel, which has a significantly lower glucose level.
I don't know how long I can sustain the radically low-sugar diet, but I'm going to try, monitoring my weight as I go. I'm not going to go crazy and try to eliminate condiments like ketchup from my diet, and I don't have the time to make my own, so there will have to be some compromises. But excess sugar brings with it a lot of problems like accelerated aging
and inflammation in the body, not to mention diabetes/obesity.
So this shall be my first resolution for 2013. Closely watch sugar intake!
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December 8th, 2012 at 06:21 pm
A couple of hefty expenses coming due in December/January:
1. Property taxes (twice annually): $3300
2. Quarterly estimated federal taxes: $600
3. Oil for heat: Estimated $600+
I got my amazon delivery two days early, so I dug in last night and started reading Endurance: Shackleton's Incredible Adventure.
It's pretty interesting, and an awful lot of time is spent describing the nature of the ice and how it heaves and pounds against the stranded ship. I was a little dismayed early on my reading to learn they had about 60 sled dogs on the ship. I say dismayed because I really try to avoid exposing myself to any descriptions of animal cruelty or hardship. I'm just a huge animal lover. And I suppose the men on the ship will end up eating the dogs to survive, or else the dogs will die. Oh well.
I also watched a Netflix movie last night, Of Gods and Men. It was about 7 French Trappist monks who care for the poor in Algeria. These are extremely pious men who spend their days praying, chopping firewood and selling their honey to the villagers. They are not young men.
The highlight of the movie for me was when one of them, as a special Christmas eve treat, plays a tape of The Nutcracker during their simple dinner. They are rapturously uplifted by the music. The camera lingers on each face lifted in joy and wonder at such beauty. It was really well done.
Then Islamic extremists kill some Croatians in the village. The monks are urged...begged... to leave by the French embassy and others. A young girl has her throat slashed becus she didn't wear a veil. The extremists even break into the monastery one night demanding medicine for wounded comrades.
Still, the monks decide not to go. They discuss it over and over again. Some say they didn't come there to become martyrs. In the end, they all agree to stay, and shortly after, they're kidnapped and held captive by Islamic extremists. Two of the 7 hid and were not found. Later, the kidnapped monks are killed. The 2 that remained lived on, one for another 10 years and the other died maybe 5 years ago. It was a true story.
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December 7th, 2012 at 07:52 pm
I saw the ENT (ear nose & throat) specialist today about my plugged up ears.
There will be no magic bullets. The preferred course of action is to simply wait for my ears to drain. It could take two to three months.
The other alternatives include perforating the eardrum to allow the fluid to drain, but there's no guarantee the ear won't close up again in a few days. Or, they could make an incision and put a tube in there, but that is not without possible complications and requires monitoring. His preference...and mine...is to take the wait and see approach.
He had me make an appointment in two months time. That's mid-February. If my ears clear up before then, I can feel free to cancel the appointment. If they don't, then intervention will be needed.
Some people, he said, can't stand not being able to hear and want to do the procedure right away. I'd prefer a less invasive (and less costly) approach.
He didn't think the antibiotics I'm still on are doing that much, and that after 3 weeks, I've probably been on them long enough. He did think I should continue with the nasal spray my APRN gave me; luckily, she gave me two free samples, so I didn't require a new prescription.
On the way home from the doctor's, I stopped at the library and picked up 5 DVDs to watch. Not having cable TV, and only getting Netflix about 4 times a month, things have gotten very boring around here. So I'm glad I got the DVDs.
I was also able to return some overpriced groceries my mother bought me 3 weeks ago when I first got sick. $4 for a can of Amy's organic soup is just too much, and $4 for a quart of soy milk.
The Author stopped by and paid me with a $100 bill, the latest installment on her book editing. She now owes me a balance of just $275.
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December 6th, 2012 at 02:25 pm
Ah, let's see. This must be day 23 of being sick, if you count from the first day i started feeling I was coming down with something. Ridiculous, right?
Tomorrow I see the ear, nose and throat specialist. Just getting a "timely" appointment was a feat in itself. At first they said "no openings this week" with any of the 4 doctors. Then they found me a space. It's not the doctor my APRN wanted me to see and whom I've heard many good things about, but the one I am seeing did train at the Mayo Clinic.
Last night I watched This Is It, Michael Jackson's DVD. Aside from my feeling rather sad throughout the whole thing, knowing he never got to perform at the 50 sold-out London concerts he was preparing for, I was most fascinated by one of the "extra features" on the video, which featured an interview with the designer of Michael's over-the-top outfits. They all featured those built-up shoulders and tons of Svarovski crystals. The lengths they went to, not just with his attire but with every aspect of his performances, was really interesting.
I am hopeful to achieve one goal today: to bring a growing pile of trash to the landfill. I have been putting it off, day after day.
Tomorrow, since I have the doctor's appointment, I was also hopeful of doing grocery shopping afterwards, as my stockpile of food is getting rather low.
I am SO eager to get back to my normal routine, and I've been keeping a growing list of Things to Do for when I get better. If I could knock some of those off here and there, so much the better, but I don't want to start running around and then see a return of my cold symptoms, as that happened last weekend.
I have an Amazon delivery set for this Monday and have been wishing I had it sooner so I'd have something to read. Using free Amazon gift cards I earned through my assorted forum participation, I ordered a stainless steel brownie pan and two books, one of which will interest frugalites. It's called How Much is Enough? Money and the Good Life. The other was a best-seller, I believe, on Shackleton's Incredible Voyage; it's about the Antarctica explorer who got stranded on the ice, and survived. I always like reading survival-type stories. I read both of Jon Krakauer's books, On Thin Ice and Into the Wild.
So last weekend, after I had a kind of relapse, I emailed the woman I report to at the p/t proofing job and explained my situation in great detail. I told her I didn't want to jeopardize my job there due to excessive absences, but that my first priority has to be to get better. I asked for one more week off. She acknowledged the note, but i really don't know if my job will be waiting for me when/if I return to work on my next scheduled days, Wed/Thurs/Fri of next week.
If I don't, I'm rather up the creek as to income. I already gave up the driving job, and I don't regret that decision. But the loss of the proofing job leaves me with just my highly sporadic freelance income. I had a very good November, income-wise, but December could prove to be much worse. The weeks before Christmas are typically slow for many things, including getting new freelance assignments, job interviews and the like.
All the worry is counter-productive, since it all means nothing if I'm still not better. Doing what I can to get better! Still on the antibiotics. This a.m. was the last prednisone pill. Seeing ENT doc tomorrow. I'm dosing myself heavily with acidophiles, to make sure I don't get a secondary yeast infection from all the antibiotics. Also taking calcium and Vit. D. due to the prednisone. And also consuming 3 to 5 cloves of raw garlic daily, since it's an anti-bacterial agent. Along the same lines, I'm using cinnamon whenever possible and shying away from foods that contribute to yeast, like milk, cheese, bread and sugar. And just trying not to over-exert myself or tire myself out. At least until I'm sure the underlying infection has been vanquished.
I had been positively thrilled to have lost a good 6 lbs from being sick, but then i started taking the steroids, which really increase your appetite, and I knew I was eating rather heartily. So I've been afraid to step on the scale becus my fear is i gained back all the weight. Aargh.
The only other thing I feel up to doing here and there is continuing to edit The Author's second book. I have over 100 pages to go, and it's very slow going because her writing requires a LOT of edits. I also take my time with it because she still owes me $375 on it and she's always scraping for money. She mentioned dropping another partial payment in my mailbox the other day, but half the time when she says something like that, she doesn't. I could use the extra cash right now.
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December 4th, 2012 at 09:44 am
One would think that after three years of underemployment, my retirement savings plan has gone deep underground, hibernating until an unknown time when my savings can "spring" forth.
Although my retirement savings goal, refined by repeatedly plugging in the numbers in retirement calculators and other detailed analysis (Vanguard, Fidelity and T. Rowe Price), had been $1,250,000 for quite some time, and despite the market meltdown that was 2007, and despite continued underemployment with no end in sight, I don't feel that all is lost.
I could not sleep tonight with my infection, so I got up and was playing around with Kiplinger's nifty calculator (http://www.kiplinger.com/tools/recoup_your_savings_calculator/index.html)
This one was designed to help investors determine how many years it would take to recoup money lost in the market meltdown of 2007. You just plug in the total investments you had just prior to the meltdown. If all you want to do is see how long it will take to reach a certain balance, based on a given interest rate and level of annual contributions, it can do that for you.
So instead of using it to see how long it would take me to recoup money lost in the market meltdown (my balances show I already did that, by about $50K), I plugged in $750,000 as my new goal and the $515K I have now. I also indicated I wanted to reach $750K in 7 years, by the time I'm 60, and I assumed a very modest 5% interest rate. I was pleasantly surprised to see that I would only need to save $2,964 a year (or $247 a month) to reach that goal.
(If I plug in 6%, 7% or 8% interest rates to reach $750K in 6.5 years, I keep getting negative numbers for the monthly savings rate required, which tells me I would have to save a really minimal amount of money yearly.) This is all along the lines of what Dido told me a while back, that I could almost reach my savings goal simply by staying the course and earning a reasonable rate of return.
I could make retirement work with $750K in savings.
Just for fun, I plugged in my target number as $1,000,000, again giving myself 6.5 years, to age 60, to save it. (I don't want to work full-time for long.) Earning just 5% on investments, it would be an uphill climb. I'd have to sock away $32,207 a year, or $2683 a month.
However, if I assume a more reasonable long-term interest rate of 8% (stocks did about 15% this year), then I'd only have to save $12,180 a year, or $1,015 a month.
IF I get a job,that is doable.
Since we are approaching year's end, I decided (for fun) to do a preliminary look at my 2012 expenses. While it's not all nailed down yet, it looks like my total expenses were in the neighborhood of $32,600. At first, that number looked much higher than I expected, since I have repeatedly crunched my "bare minimum monthly expenses" at $1800. So $1800 x 12 months = $21,600 about $11,000 less.
But then I forgot my bare minimum does not include paying the mortgage since I paid that off this past August/September. So my 2012 expenses included about $4200 in mortgage principal payments; without them, my 2012 spending would be about $28,400, although that's still a good $6800 more than what I've calculated my minimum expenses to be. I should be able to dig into why my expenses were that high once I have final December numbers. At this point, nothing else besides the mortgage payments jumps out.
At any rate, my total 2012 expenses at $32,000 were lower than in any previous year since I've owned this house. More typically,when I was working full-time, my total annual expenses ranged from about $40,000 to $43,000.
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December 3rd, 2012 at 10:49 pm
So my last day on the antibiotics was last Saturday. I am still on the steroids,meant to reduc ethe swelling in my eustachian tubes that is keeping my ears plugged up.
Yesterday (Sunday), I felt I had a little more energy, enough to finally start picking up the mess around here after 2 weeks of being sick. I even did 2 loads of laundry. My ears had improved, though the left was still more clogged. However, I noticed I sneezed 3 times during the day, and I still had the sense that the infection was still in my system, though all but one of the symptoms (my muffled hearing) had receded.
Last night everything reversed. I was up most of the night coughing. Stuffy nose, blowing nose. Today that's continued, and no more energy leaps.
I read on the long warning list for the steroids, in big bold letters, that steroid use reduces your body's ability to fight infection. Great.
I understand why she put me on the steroids, to reduce the swelling in my ears. I TOLD her that while my other symptoms had gone away, my sense was that the infection was not completely cleared up. She put me on the steroids anyway.
Now the steroids are dampening my immune system and the cold/infection is coming back. My ears are as clogged as ever and the ringing in them is back too.
Waiting for a callback from doctor.
Will I ever get better? Will I lose my p/t proofreading job due to being out so much, possibly/likely again this week, if I ever want to get rid of this thing? Will I lose my remaining few weeks of unemployment benefits due to losing the job due to being out sick too much? Will I be sick for Christmas, after missing out for thanksgiving?
Stay tuned to As the World Sinks.
In other news, I managed to make a quite delicious, ad hoc soup using what was on hand. I usually don't like to make a soup without a recipe becus it usually comes out too watery, or flat tasting or something else. But this one was a winner.
I was trying to avoid having to go out to buy groceries, so I threw together the following:
1/2 carton Swanson's organic chicken broth
About 2 cups of my own homegrown tomatoes, thawed from frozen
1/2 cup of wheat berries, cooked
1/2 cup Trader Joe's chopped organic spinach
1 can TJ's organic chickpeas, drained/rinsed
1 can TJ's organic kidney beans, drained/rinsed
1 small can tomato paste
4 leftover TJ's veggie wontons, cooked
garlic powder, parsley
It was very tasty. The wheat berries added a nice chewy texture to it all and the paste thickened it up nicely.
I've been in touch with my neighbor who lives behind me; she offered to drop off some homemade chicken soup with motzah balls tonight after work. Much appreciated, Laura.
When I get better, I have decided to spend $70 to get MagicJack Plus; it comes with free local/long distance calls for a full year, and if you don't like it, you can return for a refund within 30 days. It plugs right into your computer USB port.
Anyone use it? From what I could tell, it works with the slowest AT&T DSL of 3 mbps.
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December 1st, 2012 at 01:31 pm
I am still not feeling great, but I have more energy, anyway. Today is the last day for the Zpack (antibiotics) and I'm continuing on the Prednisone thru Thursday. I have to remember to keep dosing myself with acidopholus to stave off the dreaded yeast infection that often comes with antibiotics.
I can hear pretty well out of my right ear, but it's the left that's still clogged pretty bad. I hope it continues to improve.
So I'm TRYING to catch up on so many things I let slide in the last 3 weeks.
Yesterday I managed to put in about 5 hours of work at the proofing job, then stopped to deposit some cash and checks at the bank. I also changed my flannel bedsheets and did my November expense and investment statement.
Year to date, I'm doing well. Even with my paltry income, after paying all bills and expenses, I've managed to save roughly $3,000, with a month left to go. And I was thrilled to get an early payment of a big freelance job I did, that came to about $1,034.
I did get a nice surprise at the proofreading job yesterday. Because of my extended illness, the holidays and their not having any work for me on one scheduled work day, this week was technically only the 2nd week I've worked there. (And I really, really hate the job, although the people are very nice.)
I saw from emails when I returned that they had given out a free turkey to each employee the week I was out. I figured I missed out, but I was surprised when I was leaving when the receptionist stopped me and brought me to the freezer, where a 12-pound turkey was with my name on it.
It actually will come in handy because I had just suggested to my mother that we recreate Thanksgiving in late January or February, and because I was sick, I hadn't been able to spend the $300 needed to get a free one at Shop Right last month. So this will make up for that nicely and save us all a few bucks.
Last night I spent quite a bit of time trying to find the most lucrative credit card reward to go after with my upcoming property tax payment. I was disconcerted to find there's nothing better out there for me than a $100 Capital One card.
Some of the better offers I've already taken advantage of. Some have an annual fee, which I won't do. Others are travel rewards cards, and I don't see any travel in my near future, and even when you read all the details on the card, they don't always say whether or not you can choose to redeem your points for gift cards. (Didn't feel like talking to a rep on the phone.)
Then I tried going after a PenFed credit union card ($150 reward). I realize you have to be eligible to join, and that's not too much of a hoop to jump through, even if you have to pony up the $15 to do so. But then they want you to open up a share account with at least $5. OK, did that. But THEN they require you to fax or email your last 2 years tax returns (!), and that I refuse to do. (Course doing so would also trigger rejection of my application since I'm not working full-time.) But even so, I don't think I would do it..it's just too personally invasive.
I mean, they can see from my credit report that I have an excellent history, paid off my mortgage and never had a late payment on anything. Oh well. There will be many more big property tax payments to come, so I can just keep looking for some new offer. There was a time $100 cash back seemed like such a big deal, and now compared to a few $250 rewards I got, it seems puny!
J., the guy I've been driving to work since July, told me he MIGHT have someone else who can drive him starting next week, after I told him I didn't want to do it anymore. He said it seems a bit "sketchy" as this guy doesn't live especially close, and even though the guy needs to drop off his kids close to where J.'s kids get dropped off in the morning, the rest of the drive taking J. to work is a royal pain, especially now that they're doing major road work on the main road. And the guy drives a non fuel-efficient truck, so even though he's out of work, I can't see how he'd think it'd be worth it for $20 a drive.
J. is going to let me know this weekend if the guy takes the job. I dearly hope he will so I don't have to continue driving J. this coming week. I'm really sick of it and it interferes with other things I want to do and certain other money-making opportunities.
Today I'm still not up for running errands, but I hope to do so, maybe as late as Monday/Tuesday since those are free days for me (aside from driving J.). Today I'll be content to do my laundry and try to clean up around here. The place is dying for a vaccum cleaning although that's a bit strenuous. I also need to make some soup as I'm dethawing some of my garden tomatoes.
On my errands list:
1. Return overpriced items my mother bought me when I was sick to 2 different grocery stores.
2. Grocery shopping
3. Bring trash to landfill, pick up mulch for my garlic (better late than never) and maybe drop off a few more chainsawed tree trunks from the storm.
4. Haircut badly needed
5. Bring trimmer and lawnmower into basement from garage.
6. Refill birdfeeder
7. Tell computer guy who charged me $100 to add more memory that my computer's still freezing up.
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November 30th, 2012 at 12:26 am
I've been laying low for a few months on the credit card rewards games. The last card I got was Citi Forward, a few months ago; it's paying for a year's worth of Netflix, and I occasionally charge something on it to make sure it remains active.
However, I just realized something very important! It's something I never knew before when I still was paying my mortgage all these years because the bank also handled my property tax payments for me through an escrow account.
Since having paid off the mortgage this past summer, I now, for the first time, get the property tax bill directly from the town. It no longer goes to my morgage bank. I took a look at the 2nd half of my property tax payment that is due January 1, and I see in tiny print that I can indeed pay my property tax with a credit card!
There is a convenience fee, and I haven't checked to see what that is yet, but I certainly think it would be worth it to cash in on a juicy rewards card. My upcoming payment, which represents half my annual property taxes, is $3300, more than enough to earn some nice rewards, or a good leg up to reach for some of the bigger spending requirements on some of the cards.
I don't have any airline travel in my near future, so free airline miles don't appeal. I am leaning toward the Starwood Preferred Guest Credit Card from Amex.
You get 25,000 points ($250 in gift cards) after spending $5,000 in 6 months. After charging my property taxes, I'd only have to charge $1700 more, and I'd have 6 months to do it. Since I managed (with difficulty) to charge $2,000 in 3 months with the Amex Premier Rewards card, this shouldn't be too difficult.
There is an annual fee ($65) after the first year, so I'd need to watch it like a hawk and cancel before that first year is up.
If you know of a sweeter deal, I want to hear about it!
On the health front, I started taking Prednisone today after seeing the doctor AGAIN. She believes my initial infection is gone but the ears remain clogged, and the Prednisone SHOULD bring them back to normal as quickly as a day and a half. LET'S HOPE SO. I made an appointment with an ear nose and throat specialist but cancelled it to give the Prednisone a try. It may restore my faith in my APRN.
There's a couple who live in the house behind me up on the hill that I really like. I'm very sad because after living here about 10 years, they plan to move and put their house on the market in March. They are the nicest people. They had me over for a hot meal during our extended power outage/Hurricane Sandy. They have to move becus her husband lost his job and their house, which is huge and was in the middle of renovations, is too much to keep up, especially with the inflated property taxes.
She also is out of work but recently picked up a low paying, but f/t here in town. She hopes to use the income from it to complete their home renovations and ready the house for market. Their plan is to move to Tennessee and buy a smaller home with cash. I will be very sad to see them go. Good neighbors are not always easy to find.
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November 23rd, 2012 at 05:30 pm
Well, I didn't want to be a complete downer, so I refrained from posting yesterday when I was having a little pity party.
No Thanksgiving for PatientSaver; she was too sick to do anything and so my family 'cancelled' the holiday until further notice.
It was last Friday (a week ago) when I dragged myself to my doctor's office and my APRN prescribed an antibiotic. I called her 3 days later, on Monday night, complaining that I really didn't feel much better. She said I hadn't given it enough time, to give the meds another day or two.
Well, another "day or two" was Wednesday before Thanksgiving, and by the time I thought to call her back when I STILL wasn't feeling better, their office had already closed for the long weekend.
So I basically was crossing my fingers all week and hoping and waiting for the drugs to really kick in. They never really did. Well, most of my worst symptoms (the earache, fever, chills and nighttime cough that wouldn't quit) are gone, but my ears are still completely muffled, and have been, since last Wednesday.
I spoke this morning to a friend of a friend who is a retired emergency room nurse. She suggested going to a walk-in clinic rather than simply waiting another 3 days til my doctor's office reopens. I have to agree.
I found a clinic in a nearby town and went there this morning. The waiting room was packed with very sick people, all of whom, I presume, were in the same fix I was in: their normal doctor's offices were closed for the holiday.
I saw the guy and he prescribed a different antibiotic (amoxicilin, 875 mg) and Sudafed for the muffled ears. Another 10 days worth.
It wasn't til i was walking to my car that i realized by reading the paperwork that the guy i saw wasn't even a doctor: he's a Physician's Assistant! I sure hope he knows what he's prescribing, becus at this point, I don't feel I can mess around with my health any longer.
At the least, they should tell you in advance if you're not going to see a real doctor.
I've already lost 2 full weeks of work from 2 p/t jobs, work that I won't be able to make up. I haven't calculated it becus it's too depressing, but it's probably at least $600 I've lost in income this month, not to mention another $100 in doctors' bills and meds.
T-giving was a non-event. All around pretty depressing.
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November 19th, 2012 at 11:53 pm
I am still feeling pretty sick and only slightly improved since I started taking antibiotics Friday night. I started getting concerned about possibly having a drug-resistant bug, so I called the doc's office today and just got a call-back from her.
She said it was still too soon for me to really be feeling a positive effect from the meds and it would be a few more days. Keep hydrated and stay the course, she said.
So oh well. I'll have been sick a full week as of tomorrow. What a waste in so many ways.
The 2 most bothersome things are 1. The infection is squarely located in my middle ear and my hearing is totally clogged in both ears, to the point where I can barely hear the phone ring. And 2. When I lay down to sleep at night, I start coughing within minutes and cannot stop coughing. The only thing that helps is sitting up in bed and waiting for it to pass, but then as soon as I lay down again, it starts again. This continues all night long. The funny thing is, I've been laying in bed all day without coughing. It's only at night.
I did get 2 deliveries of groceries from dear mom in the past few days, but she got each of the "orders" partly wrong, and I will be returning a good portion of each bag of groceries. I asked for soup and she got me soup at an expensive grocery store called Caraluzzi's where the 4 cans of soup came to $16. Kind of a crazy price.
I also asked her specifically for cough medicine, but she wound up getting me a multi-symptom pill (non-drowsy formula) which is not really what I wanted. Oh well. There's a ton of product on the shelf and a lot to read, I guess.
I did also get 2 very nice emails from the guy whose book on business ethics I edited. It's possible he may be "interested" in me, or at least curious. He has, in fact, proposed we meet after the holiday. He's too old for me, I would say, although he's a few years younger than my friend Ron, who was one of my signficiant relationships when I was in my 20s. The age difference seemed to matter less then but now 12 years would be a kind of a yawning chasm. With this person, I think the age difference would be 9 years.
Anyway, he's managed to get a customized pitch out with the manuscript to 8 or so targeted textbook publishers. Now he's onto setting a closing date....this month...to move into a very old home in a very good town nearby. And he's cooking T-giving dinner for his ex and 2 of 3 kids.
My accompishments today consisted of informing the billing company responsible for my mammogram that they billed the wrong insurance company. It took 3 phone calls to get to the right place, but I will be relieved not to be responsible for a $443 radiology charge! I also paid my phone/Internet bill online. I read the Sunday paper and I got my Amazon delivery that included 2 books, so I certainly have reading material now.
I have a feeling we're going to have to postpone our Thanksgiving dinner due to my illness.
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