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Wow, I got a lot done this weekend

August 27th, 2012 at 01:34 am

How did I get so much done? I felt like I was 35 again with boundless energy. Why, the humidity is way down!

I spent the weekend doing a little of everything: editing The Author's next book, eating, reading the Sunday paper and doing yardwork.

The yardwork is where I really got stuff done. The latest invasive around here to make big inroads is the stilt grass. It's easy to pull out, but it spreads everywhere.

I cleaned out several perennial beds absolutely swallowed up in stilt grass. I considered planting grass seed to reduce future maintenance, but I decided that it would be a lot of work because I'd want to move what perennials remained to other parts of the yard, so it would be digging and trudging around with the wheelbarrow and so on.

I have some Preen which is a weed suppressant. It works by preventing many different weeds from germinating. It won't work with something that spreads by undergrounds roots. I have mixed feelings about using it because I'm not sure if it's safe for amphibians and I do welcome toads and garter snakes. Anyway, i may sprinkle some of that. It works for about six weeks and is activated by rain.

The last thing I was working on as it got dark out was the increasingly jungly area alongside my driveway. This area consists of an extra large viburnum (we're talking about 15 feet wide by as tall; this baby's huge), a butterfly bush and a silky dogwood. It's the silky dogwood which is becoming a problem. I planted it myself over 5 years ago. It's a native. All good. But it spreads by sending out underground roots and then you get the sprouts of new silky dogwoods coming up all over the lawn, creating a miniature forest over time. This is what's happening near the driveway, and it's too overgrown looking for the front yard.

It's a good plant, but one better planted in an area where you want a hedge-type shrub on your border or somewhere out in a field. I hadn't counted on its spreading capabilities. I'm thinking I'll pull out all the suckers, which are about three feet tall and higher, but leave the mother plant and then just stay on top of it, mainly by mowing, to keep the new suckers in check.

I don't want to get rid of it entirely as it producees black berries the birds love and I am all about gardening for wildlife. I think it will work ok as I have another silky dogwood elsewhere in the yard and while that one also sends up suckers, it seems easier to control by running the mower over it. With the one by the driveway, I hadn't really been doing that because next to it there were the remains of a large pile of woodchips on the lawn from when I had the black locust tree cut down and chipped. The chips are mostly gone but the grass had died where the pile was and that's where the suckers were coming up. I hadn't been mowing there on account of the wood chips.

So tonight I used a hard rake to rake out what wood chips remained and a bunch of weeds and I began pulling suckers out. There's also a large pokeberry in there that has to go, along with a butterfly bush. After that, I will throw some grass seed down to try to stabilize and neaten the area.

I planted so many things over the years to feed the birds. Now, after 17 years, a lot of things are getting huge and I'm beginning to realize I have no more room for some of these things and I want to introduce a little more air and light to certain parts of the yard. Which also happens to be good tick control.

I still have a small bed right in fromt of the house that looks pretty ugly since i ripped out 4 large shrubs, but I'm waiting for tulip bulbs to go on sale and plan to get about 50 to plant en masse in the front of this bed. I am excited about how good that will look, and I can use a Home Depot gift card to buy the bulbs. I have never been able to plant tulips on account of the deer, but this location lies next to a set of stone stairs leading to my front door, with just a small slate landing upon which I suppose a determined deer could stand to munch on tulips. I'm going to take that chance; if i saw evidence of deer browsing, I could always put a chair in the one spot a deer could access the tulips from.

A representative from Target called me tonight (Sunday night?!) to verify I was who I said I was in my credit card application. Yes, I decided the Target card is a pretty good deal with 5% off everything plus free shipping.

An $8 pair of curtains

August 26th, 2012 at 12:16 am

Actually, it was $8 for TWO pairs of kitchen curtains with the valances. Got them at Christmas Tree Shops; I'd forgotten they have a curtain section. I had time to kill before an eye exam at Pearle Vision, and I ended up getting two pairs, 100% cotton, simple vertical stripes of varying widths. i have three windows in the kitchen, all of different sizes: a smaller casement window over the sink, the window in the door and a full size double-hung window next to the table.

I spent over $300 on a new pair of glasses with frames (roughly $85 for the frames, the cheapest in the place, and the rest was for the progressive lenses), and that was WITH vision insurance. The exam itself was just a $20 co-pay.

I have to go see a specialist about something. Let's hope it's nothing.

I met the author yesterday for lunch (her treat) at a very good Italian restaurant. She also gave me an autographed copy of her first book, which I edited. It even includes my name and email address as editor.

She also gave me an advance partial payment to start editing her second book, which I'm already about 6 pages into. When I told her I'd already begun, she begged me to send her just the first few pages so she could see what I was doing.

Her response; OMG, I love it! I have read it so many times and changed things that your eye finds it all.

So that was nice. At lunch, I had a delicious parmesan tilapia with green pea risotto and garlicky spinach. It was really good.

Today I pulled up the rest of my soybeans, boiled them for a few minutes and then shelled them for another delicious salad featuring my cherry tomatoes as well as corn, black beans, chopped onion and a little Trader Joe's Goddess dressing. So good.

It was hot, but not crazy humid, so I rescued a small perennial bed from stilt grass and pachysandra gone wild. I'm debating what to do with it now that it's mostly cleared. If I do nothing, the invasives will take it over again within a month's time. I'm generally trying to reduce the outdoor maintenance around here, so I'm thinking I should just move the two peonies and two astilbes elsewhere and then just plant grass.

I spent several hours decluttering around the house this morning and put a bunch of things in my spare bedroom as tag sale items. I'm thinking of having one in September. Probably don't have enough for it yet, but so far, I have old record albums from the 60s, some nice plastic glassware, books, a space heater, a charcoal grill and grill utensils, and all sorts of knick-knacks.

Calm before the storm

August 22nd, 2012 at 08:02 pm

I have a feeling my life's going to get pretty hectic again, very soon. (Bring it on.)

I was just getting ready to walk out the door this a.m. on my way to another product study ($40) when i look down my stairs and through the open front door to see someone's legs sitting in my outdoor chair on the front porch.

It was my dad, who made an "impulse" visit after 3 hours of driving!

Actually, he stayed the previous night at my sister's and had stopped by to say hello before heading back home. He usually stays there because I don't have a second bed anymore, and while I was happy to give him mine last time he stayed over, I don't think he wants to do that again since I slept on the floor.

He will have to put his cat Louie down very soon. The cat is showing signs of kidney failure. He had a vet appt. booked for next week but said he wanted to see if he could move it up. The cat is 16 years old.

My dad will need time to deal with that, but after that, I want to encourage him to come up for an extended visit of 3 or 4 days; usually I see him a half day up here and then he's off. I'd like to have my dad hang out with me here; I've never really had that kind of time with him, and I'm very conscious of the fact that he is getting older and may soon be unable to drive. I was always working f/t or just too busy, but now it's just freelance work and I can work around that, at least until and unless the PR agency tells me they want me in the office 2 days a week.

Speaking of DREAM jobs, I applied for one yesterday. It was a company that had created a Facebook app that allows users to create a memorial page for loved ones. As the writer, I would write engaging testimonials/bios based on input they provided. The job was full time WITH benefits but 100% work from home. This really would be my dream job.

Back to dad: he doesn't really like to sleep in a bed anymore cus it bothers his back. He sleeps every night at home in an old recliner.

I'd like to take him to La Z Boy and buy one with him. We could take it home in his pickup and then he'd be comfortable. Since I sold a large teak cabinet and rearranged things a bit on the first floor, there'd be plenty of room for the armchair in my family room.

So I'm going to call him tonight and propose that.

So, after giving my dad a full pound of string beans from the garden and helping him load the firewood I'd saved for him in my driveway, we said goodbye and I did my product study.

On the way over to it, I stopped at the landfill and shoveled a large container full of mulch for my latest landscaping project (front of house). On the way home, I dropped off 7 or 8 books to donate to the library book sale (decluttering in the works).

Back home, I found that after a full week's delay, the client finally got back to me (and the PR agency that's hired me to write the brochure) with edits/comments on my 2 paragraph positioning statement. I reworked it and sent it back to the agency in about a half hour.

The whole process reminds me of why i don't really like working for agencies. I'm used to working in a corporate environment where decisions are made quickly and copy reviewed or edited quickly by an authorized decision-maker without the use of outlines, positioning statements, etc. Sigh. It can be like doing a high wire act trying to figure out exactly what the client wants, and it can also be frustrating, depending on how articulate the client is in communciating what their issues are. Sometimes they make vague statements and you're left to wonder what you should do.

It just seems much easier writing for your own employer instead of a client becus then you can simply ask pointed questions, whereas with an agency, you have to go thru the agency people first and vet things with them before going to the client.

I am not sure I am cut out for this, but all i can do is do my best and see how happy the agency is with me.

So the NY agency brochure is "on" again, and so naturally, I've heard from the guy with the powerwashing business, who is now anxious to finish up the manual (after being unavailable the last 2 weeks) AND I also am getting phone calls and emails from my #1 real estate client, an exec who after several false starts in years past, is again trying to write a huge paper that will qualify him for a very prestigious and coveted real estate designation. He wants me to edit and polish it.

It's nice to be busy, but stressful to be TOO busy. Let's hope I can strike a balance between the two.

Tomaotes are ripening gangbusters. I'm picking 5 or 6 daily. And I'm behind in freezing the current pile sitting on my kitchen island.

Ugg. $1,000 more to spend...

August 20th, 2012 at 03:19 pm

I THOUGHT I had timed it so that I'd be able to pay both my car insurance and homeowners policy renewals with the current Amex Premier Rewards Card I'm using to earn $250 in gift cards after spending $2,000 in 3 months.

Seems I pulled the trigger too quickly by opening up the card in early July. I figured the month's end would be determined by when I opened the card, but my first month ended July 26, which means the last month will end September 26, about 5 days before I get my homeowner's policy statement.

I called met life to see if they could send my renewal a week or so early, but they said no, it's computer generated.

So right now my spending on this card is as follows:

1st month: $511
2nd month, so far (which ends August 26): $415
3rd month: Will need to spend as much as $1,000!

And the 2nd month's spend includees $200 in grocery store gift cards, too! (Shopping at aldi'a a few times doesn't help, since they accept cash/checks only.)

Needing to be incredibly frugal, the only things I can use the card for with any regularity are 1. groceries, 2. gas and the aforementioned car and home insurance. Darn.

I now have about $560 in grocery gift cards.

I should really get on the ball and get my vision checked. I've been wanting to get a new pair of glasses, and I could charge that.

The Year of the Bean

August 17th, 2012 at 07:57 pm

Each summer's vegetable garden produces a surplus of some vegetables and a shortage of others, usually due to the vagaries of weather, insect pests and my own random planting patterns.

This year is definitely the Year of the Bean.

I planted four long rows of yellow wax beans and green string beans and I just can't keep up with picking them.

I also tried growing edamame for the first time this year.

I made this beautiful and delicious summer salad with the edamame I grew, along with my tomatoes:



I pictured myself eating this salad all summer long, but in truth I've only had it twice, mainly because the edamame takes so long to mature. And that's its main drawback, as far as I can see. I also failed to plant anywheres near a sufficient number of them to really enjoy them en masse. Mine are a little tiny; I may have harvested a tad early, but I read so many warnings that there's just a narrow window of time, about 10 days, to harvest the pods before they become inedible. So I watched them closely once they appeared, trying to determine if they were "bright green" (when they should be picked) or "yellowish green, when it was supposedly too late.

Unlike the yellow and green beans, which mature rapidly and can be picked for quite some time, the edamame takes up valuable real estate in the garden but is only harvestable right about now.

They're said to ripen all at the same time and so you're supposed to pull up the whole plant by the roots, as I did, and then boil the whole pods for five minutes. After that, you can easily push the beans out of the pods.

I have only so much space in the garden, so I don't know whether I'd want to plant them again next year. It was a novelty growing them, but perhaps it would be easier to buy them frozen and save space in the garden for faster growers.

In other garden news...

My single zucchini plant and single yellow squash plant bit the dust a few weeks ago, victims of the squash vine borer. I did manage to get 9 zucchinis and 3 yellow squashes, though.

My three cucumber vines also are gone due to wilt. Enjoyed 12 English cucumbers beforehand.

I'll have a complete wrapup of the season's total harvest and its monetary value, based on the organic equivalent found in the supermarket.

Right now, it's Tomato Time and I've been freezing them every other day now.

Anyone have a Target red card?

August 15th, 2012 at 11:38 pm

I've been thinking of getting one for a while now. What's not to like. Free shipping and 5% off all purchases? i think that's pretty great. Not that I shop there all that often, but I do from time to time, and free shipping is music to my ears.

Not a whole lot accomplished today

August 15th, 2012 at 08:34 pm

I am feeling frustrated.

I have $50 worth of Amazon gift cards and I have TRIED to shop several items there but all of the items I want must be purchased from external websites, which means the item isn't eligible for free shipping. Since I'm determined to maximize use of the Amazon gift cards I earn through online forums, I don't want to waste them on shipping.

I was looking at room darkening curtains for the bedroom, as the mini blinds are useless for that purpose and the floor-length curtains are too sheer and too tempting for Luther to scratch at. I think the 63" length would work.

I also admired Martha Stewart's Living Solutions shelving,and I was even hoping to find a plastic basement window well covering that fit my small window well, but no go.

Grrr.

I'm at a lull in the big PR writing project as we wait for the client to sign off on the positioning statement I wrote in advance of the brochure itself. It reminds me of why I don't like working for agencies. Now mind you, the client hadn't actually asked for a positioning statement, but the PR firm that's hired me wanted me to do it. Perhaps because I am new and she wanted to be sure I "got" it.

I had to revise it several times based on the PR firm's request I add something, and I noticed her comments were rather vague, not specific, which made me struggle to figure out what her objection was.

Oh well. We shall see how it goes.

The guy I drive to and from work gave me the afternoon "off" as his aunt is picking him up for dinner. He had originally said that he would pay me $200 a week regardless of whether I actually drove him each day. Then a day came last week when he had to do something and his girlfriend drove him to work. He paid me the full $200 and I decided to give him back the $20 I hadn't really earned the next day.

It was hard to do as i could use the money, but i realize he really does too. So unfortunately tomorrow there is something else coming up, and something next week, which will relieve me of my driving duties and put a little less cash in my pocket. Oh well.

I've decided to use the new Barclay's online savings account as the repository for my property tax money. It's a big chunk of cash...$6600...paid in two annual installments. That's $550 a month I need to set aside so I have it to pay the taxes when due. At least it will earn 1% rather than nothing in my checking account.

I have been swatting flies in the house all day. I hate them! I think they are reproducing here and that's the problem. I have a bad habit of leaving my garage door open day and overnight. The cats' litter boxes are in the basement, and the smell is probably attracting flies who find their way in, probably under the closed door in garage leading to basement. Luther likes to poop in the gravel French curtain drain that encircles my basement around the walls. The flies were probably laying their eggs in that poop as I keep the litter boxes fairly clean. And from there it's Fly City.

Back from Jersey

August 13th, 2012 at 01:48 am

I got back from visiting my dad in Jersey early this afternoon. I really felt zonked from the drive, as I'd driven the 3 hours straight through without stopping.

While my dad still has vision problems, they don't seem as bad as my dad's ex-significant other said. She tends to exaggerate and get a bit histrionic. He also didn't seem depressed at all, although I know he likes to vist with his children, so maybe I wasn't seeing my dad on a typical day.

Thank you to Analise for the links to the eldercare resources; I'm going to call and see if there's anything they can do vis a vis transportation/driving.

I was able to watch my dad driving as I followed along behind him on the way to breakfast this a.m. as I was headed home after that. He did fine. He has already voluntarily decided not to drive at night, as he has trouble with the glare of lights, so for that I am thankful.

We had a good visit. We talked alot and hit Home Depot so he could help me find some cement caulk. We had 3 meals out. Lunch on Saturday was just me and him at a seafood place on the Tom's River; I had some very good salmon. Dinner that night with K. joining us was a steak and garlic mashed potatoes at Charlie Brown's. And breakfast, with K. again as well as male friend of my dad's who often joins him for breakfast, was a hash and cream cheese omelet. We had breakfast at a place where all the waiters and waitresses wear pajamas. The place is called Shut Up and Eat. It's pretty unique.

So my dad says he has broken up with K. over an argument they had a few weeks ago, but he invited K. to join us for two of the meals out because he knows she and I like each other.

She is upset about the break-up. Her problem is that she keeps trying to get my dad to do what she wants him to do (spend time with her, stay together as a couple, etc) and it backfires becus she keeps trying to MAKE him do it by cajoling him, talking about it and basically pursuing him. It's just aggravating to my father. If she would just back off and leave him alone for a while he might begin to miss her and approach her of his own accord, but she's nearly incapable of doing that.

Ahh. I used to think that by the time you got older, you'd have relationships all figured out. Not true at all.

My dad is a very independent person and at 79 he's still darn cute; he's now sporting a full white beard and looks like a cross between Santa Claus and Ernest Hemingway. K. is just way too pushy and when things are said and my dad starts getting antagonized, she won't stop going at it.

The Friday before i left was very busy here at home. I was trying to print out several large (80 to 100 pages) brochures that I wanted to take with me to Jersey to read and prep for writing the brochure assignment I got. Yes, i could read them online but i like to underline and jot notes as I go. Not only were they humongus files, but when i tried to print them out, they came out in grayscale and very small font. The only solution I could see was cut and pasting everything into a word document where i could change the ink color to black.

Of course, my printer jams up when more than a page is inserted, so i had to print everything out while hand feeding the printer. It took forever.

Then I got a press release out for real etate client and thought I had cleared my plate for next week to focus soley on the PR agency assignment. But then my real estate contact said she was going on vacation for 2 weeks but before she left she wanted to leave me another assignment, writing a brochure for land that is for sale (250 acres of farmland in Massachusetts).

It was a bit of a different project and looked interesting, but she wanted it done fairly soon. Not one to pass on any work if it can be avoided and concerned I'd become too immersed in the PR project next week, I decided at 8:30 pm to just bang the thing out that night, which I did. So I turned that in as well. I hope my clients appreciate it!

I was supposed to let the power washing guy know when i was home tonight so we could start on the next part of HIS project, but i'm afraid i have blown that off. I just feel i need and deserve a break. I'm glad I went to see my dad but I am kind of wiped out.

It'll be back to the grind tomorrow driving J. and then settling in to write a positioning statement for the state agency.

All weekend I was feeling very stymied and blocked and grappling with how to synthesize a huge amount of info about this state agency I'm writing a brochure for, knowing I need to do it quickly. I had been referring to the conference call meeting notes of the account manager and just feeling understanding was not coming easily to me. Then i thought i should revisit my own notes from the conference call and as i read them, everything started making sense to me.

What did this teach me? That I should trust my own instincts! The other person's notes did not emphasize what I had emphasized in my own notes, even though we were on the same call. I need to write this thing the way I think best and not worry about making it conform to someone else's interpretation.

So I wrote a killer intro this a.m. as my dad still slept and hopefully the rest of the brochure will come more easily as well.

I always drive down to Jersey with just a half tank of gas so I can fill up with the much more cheap gas when I'm down there. My dad was with me when I filled up, and he very kindly (and unexpectedly) paid for it. So my trip down there cost me nothing except the $15 in tolls. Yes, that's a lot of tolls on the Garden State Parkway, plus $5 at the Tappan Zee Bridge. Geez.

I have a ton of ripe tomatoes ready for boiling down and freezing. And string beans.

More parental health problems

August 10th, 2012 at 03:10 pm

It has been a really crazy week, both professionally and personally.

My mother is still having issues with the arthritis, but at least it doesn't seem like absolute crisis mode. She has started physical therapy. I don't know how physical therapy will alleviate arthritis pain, but that's what the doctor ordered.

In the meantime, I got a call yesterday from my dad's significant other that my dad wasn't doing so well. He will never talk much about his macular degeneration, but she thinks it's getting worse, that he can't see the details of someone's face unless they're standing right in front of him. and he's still driving. And she thinks he's depressed. He also broke up with her.

I made arrangements to go see him in New Jersey this weekend. I'll stay the night and then come back next day. My goal is to 1. Cheer him up, and 2. Have "the talk."

"The talk" has to do with urging him to give up driving before he hurts himself or others. I don't know how to have that conversation with him but I have to try. We've talked before and he's said it's going to be very hard to give up driving. At that time, I tried to focus on practical ways of getting around not driving, like thinking about people in his life who could take him grocery shopping. The local senior center might have transportation.

The problem is that he has 4 kids, and none of live near him on the Jersey shore. My 2 half-brothers are closer, about an hour and a half away, but the one brother just had a baby with his wife and i don't think they seem him that often.

My dad's the polar opposite of my mother. My mom will readily complain and vent about her health issues while my dad puts on a cheerful demeanor and volunteers much about how he's doing unless you ask and dig for details.

Yesterday also I wrote a long letter and mailed it to my sister, basically asking her to step up to the plate and be more supportive to my mother. I also asked her to commit to calling dad, as I have, at least once a week.

Aside from worrying about my parents, things have been rather crazy workwise.

The policy and procedures manual for the power washing company is halfway done, which is great, and thankfully he paid me the balance due me today, but we need to get started on the other portions of it before I get totally absorbed in the huge new project for the PR agency.

I told him it'd be great if we could talk Sunday night.

Then there's the press release I want to get out today for my real estate client. It's ready to go but I need the go-ahead; there was one guy I could not get a hold of and was rude enough to tell my client i could call him (again) last night, but again he failed to pick up the phone. Good riddance, I give up.

The PR firm job turned out not to be re-writing an annual report at all. It's writing a brochure for the same NY state agency.

This looks like it's going to be a huge job and i'm a little worried about how i'll do as i'm completely unfamiliar with the agency or what they do. They have pointed me toward a half dozen different things, including the annual report, that i can use as source material to write the brochure, but there's a lot to absorb. They have a 50 page document just on their brand and how things should be expressed. So I'm in the process of printing stuff out so I can take it to my dad's with me and read it all over the weekend, but of course, a lot of their stuff is printed online so that if you try to print it out on your printer, it comes out gray scale or very tiny so I can't read it. Copying it all onto a word document would be very time-consuming, but since i don't have a laptop, I would like to print it out.

On a completely unrelated note, here's a pretty good T. rowe Price article on preparing for retirement and at the end shows different scenarios based on 3 different people retiring at different times.

http://individual.troweprice.com/public/Retail/Planning-&-Research/T.-Rowe-Price-Insights/Personal-Finance/How-to-Prepare-for-Two-Major-Retirement-Risks?placementGUID=em_rtl_prodServ_ROWES_8215_A50-64_GroupA&creativeGUID=EMBDHT&v_sd=201208

Got the test assignment: $40/hr Yahoo!

August 8th, 2012 at 03:16 pm

Spoke with the PR firm owner this a.m. about the "test" writing assignment and I have a few more details.

The client is a NY state agency that gave another firm their annual report to write. They're very unhappy with the results (not sure why at this point). So they've given it to the PR firm I interviewed with, and this is the test assignment the PR firm wants me to do.

There's a conference call tomorrow a.m. between the client and the PR firm, and I'll dial in from home.

After telling me what little she knew, the PR firm owner said let's talk about money. Do you have a rate in mind that you want to get paid?

Now, I don't know if she remembered telling me her usual range was $30 to $45 an hour, but I had already decided I wanted to shoot for $40/an hour. I don't need to insist on getting in at the very highest rate, but my experience should get me higher than the middle, which would be about $37/hr. So that's how i came up with $40.

After a moment's hesitation, she said that $40/hr was fine, no attempt to whittle me down or bargain, which was very nice.

I also noted when browsing their website weeks ago, in preparation for my interviews, that they actually posted the hourly rates they charge their clients. It may be a requirement to do so when you're working for federal govt clients. But she is charging way, way more to them than what she's paying me. She charges clients $125 an hour for writer/editor services. So I guess she can afford it!

So if this job goes well, I could then hope to get an offer of ongoing work to the tune of 2 days a week.

Now that my mortgage is paid off, working just 2 days a week at that rate would cover ALL my essential monthly expenses (COBRA, gas, groceries, car and homeowners insurance, property taxes and all utilities) PLUS I'd have about $700 left over each month.

OK, wait. I haven't calculated self-employment taxes in this equation, so I guess I'd have less, but STILL, if you factor in additoinal income from my real estate freelance work (averaging maybe $400 a month) and if i ended up still driving J. to work 3 days a week instead of 5 ($480 amonth) then I should still net an extra $700 a month after paying expenses.

I could actually begin to contribute to my SEP IRA, rebuild my emergency fund and even start a New Car Fund.

Wouldn't that be grand??

It ain't over til it's over...some good JOB news

August 7th, 2012 at 05:10 pm

Do you remember me talking about the PR agency I interviewed with twice, and then never heard from them? (My last interview was like 3 weeks ago.) I had pretty much given up on them.

She emailed me today and will be talking to a client about a new project via conference call on Thursday and wanted to know if I wanted to attend the conference call in their office and then take on the writing assignment as a "test" writing assignment. She would pay me, but we haven't worked out those details yet. She's going to call me after lunch today to discuss.

She views this as a final precursor to hiring me for the 2-day-a-week writing job.

Yippee!! This could be great. The 2nd woman I interviewed with 3 weeks ago had indicated the woman, who owns the PR firm, is not always the easiest person to work with, but I am of course highly motivated to make it work. The pay should be pretty good.

Now this makes me anxious to wrap up as much as I can with the press release I just started work on and the operations and procedures manual. I'm feeling all nervous and wierd now.

I FOUND the hornets nest, Part II and hypertufa photos

August 7th, 2012 at 03:21 pm

Yesterday I really needed to mow the back lawn. We had a break from the awful humid weather (we're having one more nice day before it regresses back to sticky tomorrow) and so I wanted to get that lawn mowed while it was still relatively comfortable to do so.

I've been stung twice by hornets in this one area, but I looked and scanned the grass for insect activity but couldn't find anything.

Yesterday, I found it. A completely nondescript hole in the ground where single hornets were coming and going. Not in large numbers, just one at a time, every few seconds. It was very hard to see. I tossed a large woodchip near the entrance to the hole to mark it.

I could have run to the garage for the can of wasp/hornet spray and dispatched them when it grew dark, but I've decided to just see if we can both "co-exist" for the rest of the summer.

I will leave an area of roughly four square feet surrounding the hole unmowed. They can live out their normal lifespan and contribute to a healthy ecosystem in my backyard. Everyone gets to live.

I'm starting work today on a new project, a press release on a new upscale subdivision (house lots up to 20 acres) and over 80 acres being donated to local land trust. Waiting for a callback from someone so I can ask a bunch of questions.

I did a load of laundry and it's hung out to dry on clothes racks in my driveway. Yesterday I planted lettuce and broccoli rabe. I made another batch of three bean salad with beans from the garden as well as pesto sauce, using my basil plants.

Here are a few hypertufa pots i made and planted recently. They are meant to look like centuries old concrete. They are fairly lightweight because the cement they're made from is mixed with peat moss and perlite, which also give it a mottled, crumbling effect. I also want to try growing moss on them to accentuate the "rustic" look.


The hyptertufa is the one on the left. I used a plastic garden pot as the mold; it has some nice vertical lines on the sides which you really can't see here.


Here's a round one; I think like the square one better.


For this one I think I used a plastic popcorn bowl as the mold.


I didn't make this one but I love it just the same!

The power washer operations manual

August 5th, 2012 at 11:07 pm

I worked yesterday on my latest freelance project: an operations and procedures manual for a power washing company.

Well, they actually use a "low pressure, high temperature cleaning system" but it's basically the same time of operation.

He was so happy with my work that he now wants me to write the rest of the manual, which he originally was going to do himself becus it's more technical. I think I can handle it.

He really had no idea how to work with a writer, and in fact when he first advertised the job on Craig's List, he said he needed someone who typed fast. Upon interviewing him, I told him that what he really needed was a writer, and he agreed. Then by suggesting we just do this all over the phone rather than in person, I boosted what I would make on the job becus he wouldn't have to pay for my mileage or lunch in his kitchen with him and his wife, which, frankly, seemed a little wierd, but that's how he envisioned this thing working.

So I talked to him on the phone for several hours yesterday (his dime) where he basically did a "brain dump" of what should go in the manual, but he needed someone to organize the material and write it. So I learned there's quite a bit more to the power washing business than I realized.

I probably should have made more on it, but I originally responded to his ad where he named his price. But now that he wants me to do the rest of it as well, same length as the first section I did, I told him my charge would be the same, $200 ($400 when I'm done with both parts).

It was a little dicey at first because I don't know this guy from Adam and I wanted to make sure I didn't get burned, which has happened now twice before, so I suggested he pay me half upfront and half upon completion. Which he was fine with, but he was going to mail a check, which I wouldn't have time to receive, deposit and have clear at the bank before i turned my work in to him.

So i needed to get payment somehow without coming off sounding like i didn't trust him. I suggested Paypal, but he was new to it and didn't seem like he trusted it. We went back and forth some more on the issue of payment and i'm starting to wonder if this would all blow up in my face. Finally, he decided to open the paypal account and i got my $100, although after paypal took their cut, it was about $96.

When we finish up with the operations manual, I'm going to suggest I do a little vest pocket sales brochure for him as a leave-behind for customers, as well as a website.

He knows the business inside and out and from what I understand, he has a friend who wanted him to set up a business for him and is paying him $5k to do so. I'm not sure if he'll have any stake in the new business once he sets it up or not.

But anyway, he was very appreciative of my work, and I'm appreciative to have a new client!

Now I can honestly say I've done some technical writing. It's similar to an employee handbook for new employees except that it also contains detailed sections on how to power clean a roof, siding (different procedures for vinyl, wood and brick/stone) as well as patios and sidewalks.

In between talking to this guy for hours on the phone and writing the manual yesterday, i was also having to keep tabs on my mother, who had called me earlier that day saying she thought she might need me to take her to the hospital because of the pain.

She seems to do better during the day and evening, and is worst in the a.m. Luckily she didn't need to go and finally today took a Tylenol and said she is feeling much better. Yeah! She took a Tylenol! Wonders never cease. I will stop in to see her tomorrow after dropping J. off at work.

She'll be back at the doctor's tomorrow as I know her problem is not 'cured' or gone for good. It doesn't really seem like they know why this is happening to her.

It's incredibly hot here and has been so for a week now. I sit in my second floor, un-air conditioned office with humidity today at 92%. It's stifling.

So yes, today, August 5, my dear late grandmother's birthday, I finally did cave and drag down a small AC from the attic to put in the dining room window. I allowed myself to run it for an hour, after which the inside temperature dropped by 2 degrees, to a very steamy 79 degrees. But then I turned it off, cognizant of my next electric bill.

I see no end in sight to this heat, or the humidity. the cats are hot, I'm hot. I have been very unproductive, save for writing that manual that weekend. Poor Luther INSISTS on being whereever I am, even though it is 5 degrees cooler downstairs and even cooler, 70 degrees, in the basement.

He will stay with me no matter what, all day long, trailing me from room to room. He is a very loyal cat. You would think that the more I stayed home, the more used to having me here he'd get and he wouldn't see the need to follow after me, but it's not that way at all.

I am looking forward to a cold shower tonight and then tomorrow it's back to "work," driving J.

Always happy when i'm making money.

Happy birthday?

August 3rd, 2012 at 11:29 pm

I have to say it's been a very strange and sad birthday for me.

I do want to thank all of you for your suggestions and support in the matter of my mother's arthritis. Thanks to Snafu's mention of cherry juice, which I hadn't heard of, i did some quick online research, found a good research article on it and sent it to my mother, who went out and got some. So I am hopeful it could help!

I'm also going to forward her the info on the Arthritis Society. I know she has been using cold paks but i will tell her about alternating with the warm paks.

Aside from what's going on with her, I picked up J. tonight after work, and for some reason feel consumed with sympathy for him. He doesn't have it easy. He tells me everything about his life. I sort of feel like he uses the drive time home with me to decompress about whatever's on his mind.

To be honest, my own family life certainly has its issues, so I often find it far preferable to listen to others talk about their lives rather than have to share details about my own.

When his ex divorced him a few years ago, he went on Celexa. It came up today when he had to meet with his parole/probation officer. He was really looking forward to the day becus he knew he'd be getting his "ankle bracelet" off, which he did, but once the guy heard about the anti-depressant, he said he wanted to do a psych eval on him, which will likely mean at least 3 more visits, J. said. Not a huge deal, but he seemed kind of down as it was just another delay in being able to put all this behind him.

J. only makes $45k a year. He's got his kids half the week and spends much of the remainder of his time attending AA meetings. He goes to 4 a week! Then he's paying me $200 a week for driving him to work, which is a lot of money on his salary.

I didn't have to drive him in this a.m. becus his girlfriend drove him when he was through with the hearing, but when he paid me tonight on the way home, I realized later when i counted it that he still paid me the full amount, when he should have subtracted $20. God knows i need the money, but so does he. I'm going to return it to him Monday.

He seems extremely even-keeled and from the way he talks, it sounds like he's learned an awful lot about himself in the years since his divorce. I guess he had his wild days. I do notice, though, that his kids really don't misbehave much, and I sense he's very strict with them. Strict in the sense that he doesn't tolerate any back talk. He lives in an apt. on a very busy highway, and for the past week or so, he hasn't slept well becus they've been repaving the street. I don't know, it seems like the guy could really use a break. I wish there was a way I could help him.

Then, tonight, I get a call. Do you remember earlier posts about an old, old boyfriend from 28 years ago? We used to date when I lived on the Cape, not long after graduating college. I never considered him marriage material, but we did have fun. He was a carpenter and roofer, very handsome, drove a cute little MG convertible that he let me borrow. We'd go camping and canoeing, and stuff like that.

He was a native of Massachusetts, and at some point I guess moved back to where he grew up, in a suburb outside Boston. I never kept in touch with him after we split up.

About 10 years ago, he somehow discovered where I live now and started calling me, on my birthday, on Easter, Christmas, etc. Even when I asked him to stop, told him i was getting married, etc., just to get him to leave me alone. He still kept calling, creeping me out out quite a bit. Some of you had told me to call the cops about it; I probably would have, but I hadn't written down his phone number when he gave it to me so I'd have nothing to give the police.

Anyway, when i got home from driving J., there was a message on the machine. It was the old boyfriend again, but this time, his voice sounded different. I thought he might have a cold. He said I know you told me not to call, but i just wanted to wish you a happy birthday, since I may not be able to do that this time next year. He said he had emphesema in both lungs and wasn't doing that well. And that he would never forget me.

I don't think he was making it up. He was always a heavy smoker when I dated him, and I guess he never quit. It's very sad. I don't wish the guy ill. I forget how old he was, but he's got to be at least 57 or 58 now, or maybe a year or two older. He never married, and lives with his mother.

It's a little depressing, even though I didn't want him calling me.

It's been one helluva birthday.

I'm really not sad for me. I'm sad for the people around me, to see people struggle with personal challenges, to watch my mom grow old and be powerless to stop that and yes, to hear news of what will probably be an old boyfriend's terminal illness. It reminds me that life is short, life is precious.

Mom's health issues

August 3rd, 2012 at 03:42 pm

My mother's always had problems with arthritis (osteo, I'm pretty sure), but in the past year or so she's had sporadic bouts of extremely painful, full body arthritis.

It's incredibly frustrating to deal with her. She will go to a conventional doctor, who will then prescribe various meds, but she doesn't take the meds because she gets all scared after reading the fine print and the warnings.

At some point a doctor told her she "shouldn't be taking aspirin" or other anti-inflammatory over the counter drugs, but she forgets exactly why. So she's just ruled out an entire body of effective drugs that could ease some of her pain.

Then she comes crying to me about the pain and how bad she feels. I suggest she should find a good naturopath or holistic doctor. Not sure they could help, but I know she would trust them more. She says Medicare won't cover it and it's expensive.

I don't know what's more important than one's health. And that's worth spending money on, in my opinion.

So we have these circular conversations that go nowhere every time this happens, and today she's in a lot of pain. I can hear it in her voice.

I'm not sure I fully understand exactly why, but my mother's health issues cause me incrediblie stress. Part of it is my sister's lack of involvement. Part of it is trying to convince someone they should take prescribed medication. Part of it is becus I am not a physician, so when she comes to me with her health troubles, there's only so much I can do.

I didn't have to drive J. to work this a.m. as he had to go for a hearing and i think he's getting his "ankle bracelet" off. I will have to pick him up at 5, so I think I will adjust my plans and head out around 2:30 pm so I can see my mom and then stop at Aldi's before picking up J. I can bring a small cooler with icepaks to keep my food cold. I'll also bring string beans and zucchini from the garden for my mother. I'm really trying to conserve gas as driving 2 hours daily is sucking up a lot of it.

I sent my mother a bunch of links to various articles and treatment options. What she has sounds a lot to me like either RA or even fibromyalgia. But my mother is so anti-medication it's hard to know what to do with her. In that respect, she's much like my sister, who deferred hip replacement surgery for several years and hobbled around with a pronounced limp becus she doesn't trust/believe in conventional medicine. Frankly, I think it's lunacy, and much like living in the 18th century.

My sister has pretty much divorced herself from regular contact with the family, choosing instead to see us upon limited occasions like major holidays or birthdays. She doesn't communicate regularly with my mother, either, via phone or email, so my mother comes to me with just about any issue.

My mother was an only child, and grew up in a pretty sheltered household. She does not do well on her own. I have always been very much her opposite.

I worry, too, that this is a foreboding of what will happen to me down the road, as I seem to have inherited every other physical ailment, big or little, that my mother has. I try to be as helpful as possible but she doesn't seem to take my advice and it's more like she wants to vent and complain. As her daughter, I feel incredibly guilty for disliking this and feeling frustrated. I feel so much stress heaped upon me when this happens. I'm angry at my sister for not pitching in. We don't really talk except about more superficial stuff when I do see her. We three were supposed to get together this Sunday to celebrate my birthday but my mother already said she doesn't think she'll be up to it. My sister wants to live her own life, and do her own thing. She's short-tempered, impatient and full of anger that's often there, just beneath the surface. No doubt it harkens back to my parents' divorce; somehow, I think, she blames my mother. And hasn't moved beyond it.

Drumming up business

August 2nd, 2012 at 06:05 pm

I managed to get 2 new freelance writing assignments today.

One is a guy who's starting a power washing business in a town about an hour from me. He needs someone to write a procedures manual for employees; we're going to do it on Saturday.

The other is a press release for a new subdivision where the developer is giving 80 acres to the local land trust. My client wanted me to attend the 3-hour event next week, but it conflicts with my driving job. So I'll have to work around it and interview various involved parties afterwards.

I also have an interested buyer for an antique cherry pitter I'm selling; she owns a vintage housewares shop; she may stop by this weekend. Decluttering, yeah!

July expenses not pleasant

August 1st, 2012 at 04:14 pm

I tallied up my July expenses and they are not pretty. I spent $1200 more than I earned.

However, the bulk of that increase was due to my mortgage payoff ($2,246) which was almost like a double payment. Plus, I also had a biannual car insurance bill ($258), annual borough tax ($165) and car tax (78).

Next month's expenses will again be totally skewed because my property taxes ($3300 for half) will also be due. I do have the money, but this little driving gig I picked up just won't be enough ($800 a month). I had hoped my unemployment benefits would restart since my hearing 2 weeks ago, but it hasn't yet.

I also had hoped to hear about that 2-day-a-week PR agency job I interviewed for. I haven't totally given up hope as I recall there was a longish time between my first interview and the day she called me to come in for the second interview. She's pretty busy. If I do, those 2 days a week would cover all my ESSENTIAL expenses. I seem to always squeak by with yet another in a string of minimal, yet life-saving jobs, so I hope that will happen again.

The hornet nest has been taken care of. I suppose I could have dealt with it myself with a $5 can of hornet spray, but I think I did pretty well to find someone who did it for me for just $25 and stringbeans, plus he used no chemicals.

My knee is finally back to almost normal and the swelling has subsided after 3 days. I hope that's it for the season.

As part of my weight loss effort, I'm trying to drink my own iced tea exclusively instead of enjoying the various Snapple iced teas or, more recently, Arizona green teas. I won't drink the sugar-free kind with artifical sweeteners, but I don't think the added sugar (empty calories) is great for my weight. When I make my own tea, I usually add a very small amount of sugar, like a tablespoon to a pitcher that holds about 7 cups. This time around, I didn't add any sugar at all and it sort of needs it. I think I'll go back to using a small amount of Truvia, which is supposed to not affect your glucose levels.

In the course of clearing out all the pachysandra and cutting back those shrubs in front of my house, I uncovered two cracks in the concrete window well, where it meets the foundation of the house. It should be repaired before I go and plant anything in the now-cleared bed, and I'm going back and forth about should I try doing this myself or should I hire someone.

My research online tells me that the standard repair is using a "system" where you inject an epoxy thing with a caulk-like gun and it's a bit more involved than that. I'd like to hire someone who's done it before, but if I go and call one of those places that routinely does foundation repairs and such, you know they're going to charge a huge sum and probably make it seem more alarming than it is. Sigh.

Maybe first I'll take a photo of the cracks and bring it with me to Home Depot on a weekday and have a conversation with someone there who could perhaps show me the product to use and how to use it.

When you don't have money, pay in string beans

July 30th, 2012 at 07:39 pm

You may have read in my earlier posts that I discovered a largish hornets' nest hanging from a tree next to my driveway. It's in what I'd consider a fairly high traffic location, just three feet off the ground and next to grass I need to mow. If a passenger opened a car door into the shrub on that side, disaster would ensue.

I am leery of trying to spray the nest myself. For one thing, I don't know anyone who has goggles I could borrow and having already been stung twice in as many weeks, I just don't relish getting anywhere near that hive.

After a brief search online, I did go so far as to email contact a Connecticut man who apparently earns a living from collecting hornets/bees and other stingers from homeowners in distress. The best part about it is that he uses NO toxic chemicals AND, while the stingers do lose their lives, their venom is used by medical labs for research.

I received a callback this morning from the man's wife, who described what he would do and his fee, $200. I thanked her for taking the time to call me but explained that I could not afford that fee. She offered a discount that would bring it down to $150. I told her that was a generous discount but explained my employment situation. She then encouraged me to make an offer of a "tip" of $20 or $50 and, because he was going to be in my town tomorrow, perhaps he would be willing to do it. (He lives a good hour away.) I said I would be thrilled if he would do it for $25, and I also offered a surplus of green string beans from my garden to "sweeten the pot." Smile

She called me back later to confirm that he would do it tomorrow. I consider it a pretty good deal. (Doesn't help with my yellow jackets in the ground issue, but if I'm back from driving J. tomorrow when the bee man arrives, I will ask him about that.

My instructions are to 1. leave a white towel or rag where the nest is to help him locate it easily and 2. leave an extension cord plugged into my garage. (He uses some sort of vacuum device.)

I forgot to ask what happens with whatever hornets happen to be outside the nest when he vaccuums them up. Everything I've read about it is that you're supposed to kill the nest when all inhabitants are inside, at night.

Anyway, what this little scenario tells me is that times are tough these days for everyone. I imagine that doing away with rogue hornets and bees is not a big money-maker, but because he was willing to be flexible on price (in a really big way), we both benefit.

At first, when his wife said he was going to be in my town tomorrow, it sounded like the kind of thing someone tells you to pressure you into making a quick decision. I tested her by asking of the street address they were going to before me and she did give me the address, one which they wouldn't likely have known about had they not actually been going there. (It's called, "The Old Road.")

Maybe the guy is a beekeeper and enjoys working with these insects. At least by helping me out with my hive, he gets gas money to pay for the trip down here and then he can keep what he makes for the other customer free and clear.

Got stung

July 30th, 2012 at 01:23 am

A day after my Craig's List buyer got stung by paper wasps/hornets, I also got stung today.

However, the wasp nest is in the front yard, by the driveway. I got stung today in the backyard, as I was mowing the lawn. It was the same area where I got stung maybe 2 weeks ago.

Bothtimes I got stung, I carefullly, cautiously looked for a yellow jacket ground nest, but saw no insect activity and assumed it was just a "stray" yellow jacket (or whatever) that was grazing in the grass and which I must've run over.

But twice in the same area has me thinking there must be a nest in the ground that I just can't see. The only way you can spot it is to watch for any kind of flying insects in the grass and try to catch where they're coming from.

When I was stung today, I was so freaked out I yelled "Owwaargh!" and then I let go the mower and RAN, stumbling and falling into a wire fence I had just lifted off a birch tree seedling so I could mow around it. Luckily, I wasn't further hurt.

I took some Benadryl right away but it's still quite red and swollen, near my knee. It's amazing how hot it is to the touch.

I guess at the least I will have to wear long pants and a long-sleeved shirt when I mow back there. I need to find the ground nest or I'll just keep going over it. Not sure I want to leave the whole area unmowed for the rest of the season.

I also wondered if the insects that have stung me twice could be from the hornet nest in the front yard. If there are as many hornets as they say there are (hundreds) living in a nest like that, I guess they could be combing my entire yard.

Anyway, I planted the three hypertufa pots that have cured and will do pix tomorrow.

Also picked an English cucumber, stringbeans and 2 zucchini, as well as some collard leaves which I blanched and froze.

I continued work pulling out pachysandra roots from the front of the house and have been sawing away at the stubs of the shrubs I cut, hoping they won't sprout leaves.

Craig's Lister stung by hornets in my driveway

July 28th, 2012 at 06:12 pm

Well, the good news is I sold an old teak cabinet for $50 today. I never had so much response to a Craig's listing before. Maybe 8 or 9 responses. Perhaps I underpriced it, but I really just wanted to get rid of it. It was the top half of a hutch I got after my grandmother passed away. (I'd given away the bottom half, which looked very dated, to a neighbor who wanted it for storage.) I had painted it because I disliked the dark wood, but it was really just too big for my small rooms here, and I'm in the midst of a declutter binge.

I was happy, and I think Grandma would be happy, to see it go to the young couple that showed up, recently married. He is from Sweden.

The bad news is, as they carried the cabinet down my front lawn to the driveway, they brushed into a large viburnum in the front lawn. Unbeknownst to me, there is a good-sized hornet nest hanging hidden in the leaves, and she got stung several times.

She said she isn't allergic. I offered her some benadryl but she turned it down and said she was ok. They didn't seem to think it a big deal and said it was their fault cus they really jostled the hive and they were swarming all over the place. I'm a little worried becus I know from experience that even one sting, at least for me, swells up for at least several days.

I sure hope I'm not "liable" for anything should she pursue medical treatment, or be urged to do so by others.

Now I have the dilemma of what to do about that hive. It's just slightly smaller than a football. I believe you're supposed to wait til nearly dark and all the hornets are in the hive, and then spray them after adequately suiting up for protection.

My preference would be to wait til a hard frost kills them in October, but that's 3 months from now, and I mow in that area. In fact, I just mowed through there yesterday! I could give them wider berth and perhaps I'd be ok. Nowt hat i know it's there, I'm really surprised (and grateful) that I didn't get stung when I mowed there. I got stung once this year already.

Sweet reward...

July 27th, 2012 at 03:02 pm

Drove J. to work this a.m. as per the routine and he's already paid me for my first week of driving him...$200 cash. Smile

I'm really appreciative of that since 2 other streams of income have dried up for much of July. That would be the loss of the publishing job, which is permanent, of course, and then temporary suspension of unemployment benefits.

It's possible I get the held up unemployment checks released before month's end, but I don't think it will amount to much anyway since I had to report some freelance income. I may or may not get the severance paycheck from the publishing job if the prez follows through and mails it out promptly. (He wrote back to me yesterday after I inquired about it and he apologized about simply forgetting to cut the check.) He put it in writing that he would do so, so I'm not too worried that I won't get it.

Last night we had, as they say in Boston, a "wicked bad" thunderstorm. It moved through quickly, though. Today is again just as muggy and uncomfortable as yesterday.

I find my energy and productivity level are directly tied to my personal (physical) comfort level, and that in turn is directly connected with the weather. It would be different if I had air conditioning here, but I do not, so when the weather gets super humid/hot, I don't get much done, indoors or out. I get like that in the winter, too. I keep the house so cool that I don't do much, and that kind of inactivity for half the year is not a good thing.

Summer is my personal "prime time" since I mow the lawn 2 or 3 times a week, do a great deal of other yeardwork, am busy harvesting and preserving food for winter use and doing a bunch of other things. But I need to keep my activity level up in winter so I don't get that seemingly inevitable weight gain.

For the month of July, I had higher than usual expenses, as I had to pay car insurance and borough insurance. I also spent an extra $800 or so due to paying off the mortgage, and the first of two annual installments on my property taxes, $3300, will be due in August. However, August will also be the first month when I won't have to make a mortgage payment.

Yesterday I picked a bunch of collard leaves, blanched them and then froze them. There is nothing so satisfying as being able to grow your food during the warm weather months of plenty and then preserving them for the cold days of winter. I also saved and froze the water I used to blanch the collards, since they are homegrown and I can use it as a soup base to capture those nutrients otherwise lost.

Like the proverbial ant, it makes me feel more secure after having filled up my oil tank (to get me through the first half of winter) and a freezer full of homegrown produce.

Me thinks I will blanch some string beans today. I keep checking the soybeans, but I don't think they are ready. It is possible I won't have a crop at all and that the reason they are so small is due to insufficient water.

I will be planting a fall crop of lettuce in early August.

What's your magic number?

July 26th, 2012 at 08:40 pm

A number of years ago, I determined that my retirement savings goal was $1.2 million. That's the amount I calculated I needed to live comfortably in retirement and enjoy my various retirement hobbies after using several different retirement calculators. (Actually, I never met a retirement calculator I didn't like! Whenever I come across a new one, I try it!)

I came across a good article about saving your way to a million dollars here: http://money.cnn.com//2012/07/20/pf/savings-budget-millionaire.moneymag/index.htm?section=money_pf&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+rss%2Fmoney_pf+%28Personal+Finance%29&utm_content=My+Yahoo

I'd be curious to know:

1. Do you have a retirement savings goal?
2. If you do, how much is it?
3. How much of your retirement goal have you achieved, at (roughly) what age?

A little unscientific poll!

Low-Key Thursday

July 26th, 2012 at 06:20 pm

Not much going on with me today.

I'm still adjusting to my new routine of driving J. to work in the a.m., picking him up at 5 and then molding my own routine around that.

I am certainly getting to know a lot about him, his family, work background, even how much money he makes, what the jail experience was like. He is the talkative type, while I don't like to go into a lot about my personal life until i get to know someone better. I assume he doesn't mind that.

Tomorrow will be the eagerly awaited "payday" of $200 for this first week of driving.

I am now in the soaking stage with my various hyptertufa pots. After the 3-week curing process, during which time they need to dry, slowly, you then soak them in a container of water for 3 days, to leach out the alkilinity that could harm plants.

I will post photos once this is done and they are finally planted with succulents. It has been a trial and error process, to be sure. I did have 2 pots crumble as I handled them, something I'd read about could happen online.

Yesterday was a nice weather day so I got a lot done.

Did a load of laundry and hung it out to dry. Picked some collard greens, blanched them and then froze them for winter stews.

I worked more on my front foundation bed where I cut down 3 overgrown mountain laurels and an unknown shrub. There's also thickly grown pachysandra in there so that will take the most time to dig out all those roots. I'm wearing a mask now because I've found small pieces of the old asbestos shingles that were removed from my house last summer and I don't want to breathe any possible dust in that settled in the soil/pachysandra.

I think it will be too back-breaking to try to dig out the roots of the shrubs, so I will try cutting them down further to as close to ground level as I can and hope they slowly die. Maybe cover them with a black pastic bag to block sunlight so new shoots don't form.

Then I will have a go at the pachysandra roots with a shovel. I see some cracks where an ugly basement window well, made of concrete, has cracked where it meets the foundation. This should be repaired before I do any planting. I may try to do it myself.

I'm a little concerned becus i haven't received my 2 weeks of severance pay and the note i sent the payroll person on Tuesday has gone unanswered. I hope she wasn't unaware that the prez of company told me he'd pay me severance, but what was I to do? He'd said it was to be mailed, and I should have had it by Saturday since checks were cut last Thursday.

If I don't have it in today's mail, I will send an email to the president.

I also haven't heard back from BP. I sent an email to them about a $10 gift card I won from their forum that was not accepted at a local BP station.

I guess I will wait until tomorrow to bill my real estate client for the brochure I wrote. Had sent it last Friday, didn't hear from them til i inquired yesterday, and she just said it'd been crazy since J. returned from vacation, so they hadn't really looked at it yet. My bill really needs to be $462. I hope that doesn't surprise them, as it's a bit higher than my typical PR or magazine article, but i spent quite a bit of time on it....but i would feel better if they let me know they love it before i send them the bill!

Still working on charging up my Amex Premier card, to earn the $250 in gift card rewards. I haven't gotten the first month's statement yet, but I've charged up over $380. Need to get to $2,000 charged in 3 months time. I still have left over grocery gift cards from a prior rewards card, but have been charging grocery purchases so I can apply it to this card. The older gift cards can be spent later.

Haven't heard about the PR job I interviewed twice for. Making me nervous and discouraged. I applied for another few jobs this a.m. but decided yesterday to turn down another one-time job, doing a voice recording for an Indian guy who wrote a sixth grade science book for his daughter and wanted someone with an American accent to record it like a book on tape. And I thought the Japanese were crazy focused on education. I had expressed interest in this a few weeks ago when i saw the ad, but it was just a one-time thing for $60 and he lives about an hour a way. I'd have to meet with him to get the book and some special software he had that would allow me to record my voice. It sounded a little complicated for just $60, especially with all the driving i'm doing now, i'd like to conserve my car if I can. But I suggested to him that he try posting a flyer in the local library. He had said he wanted to find someone local and I was the most local who responded to his ad. the libary would ensure that, plus anyone there you could assume was a reader.

Hot as Hades Again

July 24th, 2012 at 08:32 pm

Another blistering hot day, but it's bearable because it will be only for today, and then back again to more seasonable 80s and lower humidity.

I've begun driving J. to and from work, as described in earlier posts. I have not yet made my mind up about him. He may be one of those people who knows how to ingratiate himself to others, for various reasons.

Invariably, when you're driving with someone, you do get to talking, and I imagine if I continue driving him I will get to know him pretty well. (I remember how well I got to know my neighbor Stephen a few years back when we decided to carpool together one summer.)

Yesterday he started talking about how he was trying to get his kids to eat healthy and so on and this impressed me, because while he's well-spoken, he does have a bit of a blue collar edge to him. Maybe it's the many colorful tattoos up and down his arms. But it was only much later that I realized he must've seen the sticker on my passenger side window that says "The Future is Organic." So he already knew this was something that was important to me. So I wondered if he was just...manipulating my impressions of him.

He also broached another conversation, after learning that I have 2 cats, by saying that vets can be so expensive. Oh, yes, I said, that's for sure. Then he said, even for euthanasia. I said, yes, I know, it is. Well, I didn't know what he was leading up to, a disclosure that when the family's last cat got sick, he never took it to the vet. They let it suffer and ultimately die at home, albeit, after letting the kids say their goodbyes. Then he buried it in the backyard.

I'm sorry, but this strikes me as cruel and inhumane. If you adopt an animal, you also take on the responsiblity to care for its wellbeing its entire life. He decided he didn't want to spend the money.

I withheld my opinion because this was, after all, the first day of this "job" and I certainly need the money.

so now he's talking and saying he wants to get a new kitten, but the shelters he's applied to turned him down because he said it would be an outdoor cat and shelters feel (and rightly so) the out of doors are largely unsafe for cats due to traffic, stray dogs, coyotes, etc.

So he said if you know anyone who's giving away free kittens, let me know. Yeah, right. On top of that, he lives in an apartment above a real estate office on an extremely busy secondary highway. His entry door is literally 6 feet away from the edge of this highway. All stores, gas stations and asphalt. Hardly the place for a small cat or kitten. I pointed this out to him and he oh yeah, the cat would have to be an indoor cat for quite a while. I'm not sure if that meant he would eventually let it outside or if he might move or something.

The heat has prevented me from doing further work on my front of house landscaping but I did manage to haul away everything I cut and drag them down to woodsy peiphery of property where I commonly dump tree branches.

This morning, after dropping J. off at work, I returned home to wait for a scheduled phone call/hearing with Dept of Labor about my being fired from the publishing job. It seemed to go okay and I'm pretty sure there won't be a problem continuing to get my remaining unemployment benefits although it could still be another week or so before they resume.

After that, I ran to the library so I could use their fax to send a form to the unemployment office. I had to pay $1.50 to send one page on the fax!! DOL says they don't accept email due to virus concerns. Well, how about entering the 21st century and getting some anti-virus software. I mean, aren't fax machines largely obsolete anyway?

After that, I went to the landfill and from there on to Unilver to drop off the final questionnaire for a shampoo/conditioner product study for which I'll eventually receive $60.

After that I hit Shop Rite, which was having a sale on California grapes, plums and broccoli, all for .99/pound. Also got some postage stamps there, which saved me a trip to a post office on the way home.

This afternoon after I drop off J. at home, i'll hit Walgreen's on my way home where I can get a $3 gallon of milk. I'm trying to reduce my driving still further now that I'm driving him to what amounts to 2 hours a day, which seems like so much. Just hope my old car can stand up to it.

it's all local driving, but it does add up. He lives and works right off the same road, and I live between where he lives, and where he works. But if you include my driving to his place (15 minutes east), then to his work (25 minutes west) and then back to my home (10 minutes east) that comes to about 50 minutes of actual driving, 2x a day. Timewise, it's more like 60 minutes of time 2x a day due to my needing to arrive at least 5 minutes early for each pickup.

At my next oil change, I'll have the mechanic also check all fluids, the air filter, battery, brakes, belts, air pressure and anything else he thinks could "go."

This past month I made four separate batches of hypertufa planters in various shapes and sizes. All have been curing in the garage, and when I think of it, I spritz them with water to facilitate a "slow" cure, which results on strong, more durable pots. So my first batch is about done curing after 3 weeks time. It's now time to put them outside and keep them filled with fresh water for at least 3 days, to leach out lime that could harm plants. After that, they will be ready to plant! can't wait to see what they look like.

Much accomplished

July 23rd, 2012 at 04:54 pm

I certainly got a lot accomplished yesterday, yardwork-wise. I'm by no means done, in fact, I'm never "done" with yardwork.

What possessed me to start an entirely new project that will mean even more work? Not sure, but I had a moment of inspiration mixed with bravado after drinking a bottle of Otter Creek ale on the front stoop. That COULD have something to do with it!

I was sitting out there, looking around and thinking that overall, despite several consecutive years of winter pruning of my mountain laurel foundation plants, that passers by would probably still be inclined to say many of the shrubs around the house are overgrown.

Well, that's true, The foundation plants are mostly mountain laurel and rhododendron; both are 2 stories high and got to be that way partly becus deer will browse them.

In the front, they are not 2 stories, but still high enough to partially obscure the 2 front first floor windows.

Also, I've been thinking about selling the place in a few years and I know i've had a longstanding problem with a high water table. The basement never gets wet per se, but the concrete floor does get damp spots. I've noticed in the past week or so that, despite no rain, the entire front part of the floor extending in from the front wall is damp, about 3 feet inward.

On the other side of that wall, outside, is a thick bed of pachysandra and the aforementioned mountain laurel. It would be my hope that by cutting the shrubs WAY back and removing the pachysandra, that area could possibly dry out enough that the dampness doesn't creep in along the basement floor.

This is an issue. I think that regrading would help on the east, north and west sides, however, that would be a major expense and major damage to existing shrubbery. It also wouldn't be possible on at least the left half of the front of house since this is where I have a stone staircase and retaining wall, where these plants are.

I have pulled out the pachysandra on the north and west sides, and along the driveway becus in tick country, they say it holds in the moisture and makes for prime tick habitat.

So....I got my handsaw and cut down to just a few inches above ground, 3 mountain laurel shrubs on the left side of house front. This was hard to do. It's a gorgeous plant when in bloom, and the state plant of Connecticut, no less! But they were overgrown, and while I cut them down somewhat last winter, they grow back very slowly and honestly look very ungainly after a pruning.

There is also one more giant shrub to their left, forget what it is, but it takes a hard pruning well. However, it's so big, and since this little plot is where my stone stairs are, i have to prune it from a step ladder in the driveway and i can never get the very top of it.

So I want to really prune that down to TINY as well, If it dies, I won't be heartbroken, but I think it's very hardy.


Here you can see the stumps of 3 mountain laurel I cut; they were the same height as the large shrub in the background, which will also come out or be pruned way down. You can see how you enter my front door by walking from the driveway up the stone stairs. The picture was taken from my front door.

After cutting down the 3 mountain laurel (don't know if they will live or die at this point), I started pulling out very crowded pachysandra. The roots are all over the place, very thickly matted.


Here's a large pile of pulled pachysandra from just this small area!

Here are the mountain laurels I cut down. Notice the size.



What I envision here in their place are at least 2 autumn joy sedums, which grow in a nice round cluster and don't generally try to take over the place. It gets morning sun...wondering if that's enough.

I have other autumn joy sedum very nearby, but they are a bit further from the house and so remain in sun longer, before the house shades them in the afternoon.

I'm going for neat and tidy here. I don't want huge and towering, which is the feeling you get currently as you climb the stairs to the front door.

It will take a while before I'm able to plant anything, cus i want to make sure I get all visible pachy roots, or it will regrow. Which it has done in other places, but I can easily spot the little rebels and will often pull or dig them out with a hand trowel.

This morning was my first day of driving the guy who lost his driver's license. We dropped off his kids too. He showed me a back way to go to the school, and get to his apt., that avoided a very busy intersection literally at his front door.

More interesting condo conundrums

July 22nd, 2012 at 09:28 pm

Another thing I noticed is that there are a small number of two-story units in the condo complex I'm looking at. The rest, probably 90% or better, are one-story.

As you can imagine, in a 55+ community, the vast majority of people are going to want to live in a one-story unit.

So I've noticed that there's a sizeable price discount on the two-story units, which seem to be pretty consistently $10,000 cheaper.

Now yeah, i really liked the idea of one-story living, particularly with my pre-existing condition; who knows how I'll be 10 years from now.

But buying a unit that's $10,000 cheaper on average, well, that's a sizeable discount. That $10,000 could pay for 4 or 5 vacations abroad, for instance.

It's also a nice compromise between having to choose between the "Crest" complex with no organized clubs/acitvities to speak of, with lower common charges but higher purchase price, OR the cheaper priced Village with its higher common charges but built-in social life.

Getting the $10K discount if I bought a 2-story unit in the Village would make up for the higher common charges for the first 3 or 4 years, anyway, and i wouldn't have to sacrifice the built-in social life aspect.(As I recall, Crest common charges were around $225/mth, 2-bedrooms at the Village, $512.

I will have to analyze things more closely. it's been a while since i looked at Crest prices. I also think they had more privacy, but I should look again if an open house at one of those units presents itself. I have plenty of time. It's just 20 minutes from home, plus the Shop Rite I go to is in that town, so i could arrange with the relator i like to check out some other units when i do my grocery shopping.

The things that are most important to me are:

1. I want a very updated unit with newer kitchen and baths, carpeting, wood floors, or as much of that as possible. After living in an 85 year old house, I'm thinking new, new new. I've more than willing to downsize in terms of square footage, but I want to "upsize" in terms of condition and amenities.

2. Outdoor privacy very important. I'd like to be able to sit out on my patio preferably without seeing or hearing neighbors or work in my garden area without anyone having the ability to watch me.

3. Ability to do some gardening. Both the Village and Crest allow you to do that. I know that at the Village, you have to just submit an application and tell them what you plan to do. Once you start putting in trees and/or shrubs or whatever, it becomes your responsiblity to maintain it. (Fine with me.) If something dies and you don't get rid of it, though, the Assn will do so for you and then bill you! Also, i'd definitely bring my hummingbird feeder along, and the regular bird feeder, though I can see how neighbors might complain about the regular bird feeder becus of the mess they can make.

Decluttering and...a future without cats?

July 22nd, 2012 at 01:12 pm

Well, my Open House forays over to my favorite condo complex these last 2 weeks have inspired me to do some decluttering around here in preparation for the day when I move into a smaller living space. (Probably in 2 years time at the earliest since I would need to be 55 to live there.)

There is an adjacent, much smaller complex that's very similar to the one I like, and there is no age restriction there, but the people living at this second complex also can't take part in the many social outlets the first one offers.

While the pricing for the age-restricted one is much lower asking price, substantially higher common charges, around $500 a month for a 2-bedroom, the prices for the 2nd complex are substantially HIGHER but the common charges are much LOWER. So not sure where you'd save money in the long run. Also the garages at the non-age-restricted place are attached while garages are a short walk from your unit in the age-restricted ones.)

So back to decluttering. I have the following for sale on Craig's List:

1. Large teak cabinet with glass doors. $50. This has garnered the most response, but only 1 person has actually come to see it and though she said she would return to buy it in an hour with 2 strong men yesterday, she failed to show up or even bother to let me know she'd changed her mind. And she's on her Smartphone while she's talking to me. Hate that!

2. Old rocking chair, $25. Seat will need to be reupholstered. One woman expressed strong interest, traded emails back and forth, then she said she had a funeral to go and would be in touch. Hmm.

3. Set of 12 acrylic summer drinking glasses, $12

4. Antique cherry pitter, $25

5. Kill-a-Watt Meter, still in the box, $17

6. Set of 3 grilling utensils, s/s and wood, brand new, $10.

I'm also giving away 2 small plastic cat carriers, and supposedly have a taker coming this morning. That one's free, posted on Freecycle.

It's a little annoying dealing with people and their bad manners. Just tell me straight out if you changed your mind. You can even do it over email and I'd be fine with that.

Ah, well. I saw another 2-bedroom, 2-bath unit at the condo place. Just as nice as the first, though this one was priced higher at $200K.

i even liked the realtor too, due to his straight talk to me about how many of the units there have those popcorn ceilings with asbestos, and then explaining a little about the management's policy regarding them. If they start flaking or whatever, they will pay expenses and remove and replace it, but of course you'd have to vacate while they do that. Otherwise, it's painted and remains in place.

The unit had a gorgeous kitchen and nice baths. To me, those are the most important things, along with a new or recently replaced ac/heat system, which, this realtor said, could cost $10K to replace.

All the other stuff would be much easier to fix, like replacing/updating those old ugly closet doors and hardware and lighting fixtures. (The complex was built in the 1960s.)

The only thing that occurred to me with these condos is that there's no good place to put a cat litter box! Here at home, they're in the basement, the perfect spot since the cats scratch and regularly make a mess with the litter. But these condos have no basement, and everything is either wood floor, ceramic tile or carpeting. I'd probably have to dedicate the 2nd bathroom to their stinky litter and be sure to clean it daily. But I really can't stand the smell in the main living area of the house.

Although I love my cats dearly, I do believe that after they pass, I will try my hardest not to have cats anymore. Their hair gets all over the place, and they do sometimes track the litter, not to mention the stinky boxes in the basement. They would definitely scratch up and ruin the new carpets in these condos over time. Luther even likes to scratch the walls (!!) and I have wallpaper here! (Silent scream) I can't have nice drapes on the windows, or linens on the bed, because they scratch them. Right now I have hand towels draped over the arms of my leather armchair becus Luther's nails dug into the leather and left holes there. I spent $1200 on the archair/ottoman set 8 years ago and it kills me to see these things damaged, especially when i no longer have the money to replace them.

I have lived with animals all my life, and I am always so upset when they die that I say "Never again, can't stand the pain." But when Sitka died a few years ago, I was in so much misery that the only thing I knew would help me forget her was...getting 2 new cats. And so it goes.

There is one other concern that another visitor to the open house brought up with me: Would we as relatively young buyers in their 50s feel funny living in a senior complex? She said, Is it going to make me feel old faster to live with a bunch of seniors? I had the same question in my mind, though i figured that eventually, I'd fit right in and that perhaps when i was younger, i might prefer not to take part in as many of the social activities due to a greater age difference.

Update: here is a list of all their clubs!


Adventures in Ideas

Alcoholics Anon.

Ambulance Assoc.

American Legion

American Legion Aux.

Ancient Mariners

Badminton

Ben Robin Golf Exchange

Bible Talk

Billiards

Bingo

Board Games

Bocce

Bowling, Ten Pins

Bowling,Duck & Drakes

Bridge, Duplicate

Bridge, Wed. Night

Brush & Pencil

Camera Club
Canoe & Kayak

Celtic Connections

Chess Club

Civic Association

Clay Club

Computer Club

Current Events, AM

Concerned Residents Club

Current Events, PM

Dancing, Int’l Folk

Dancing, Tap

Democratic Club

Ethan Allan Library

Garden Plots-Flowers

Garden Plots-Vegetables

Genealogy

German Convers.

Golf, HV Men’s Club

Great Decisions

Hadassah

Hadassah Book Disc.

Hiking Club

HV Ladies 9 Hole

Ice Skating

Italian Language

Italian Renaissance

Jewish Culture Club

Joy of Singing

Ladies Who Lunch

Low Vision Support

Macintosh Computer Club

Men’s Club

Monologues

Morning Musicale

New Villagers

Overeaters Anon.

PAC/Concert Society

Pinochle

Poker

Pomp. Ladies 9 Hole

Quilt Club

Radio/Electronics

Reading Club

Recorder Group

Republican Club

River Garden Club
Sat. Night Social

Scandinavian Conversation

Senior Advocacy Club

Singers Workshop

Singers, Heritage

Singles Group

Sociable Dinners

Stained Glass Club

Stitch & Chat

Studio II Dark Room

Tai Chi

Stamp and Coin

Tennis Round Robin

Theatre Guild

Volleyball

Wall Street, Heritage

Water Aerobics

Women’s Club

Woodworking & Metal

Writers’ Group

Yiddish Reading Circle

Yoga










Welcome rain on a sleepy sort of Friday

July 20th, 2012 at 02:28 pm

Well, we needed the rain, and now we're getting it. It's supposed to rain all day. It's the kind of soft, gentle and steady rain I love, sans thunder and lightening. It will give me a break from daily watering duty of potted plants and frequent watering of the veggie garden.

Two or three mornings ago, I woke up with the worst pain toward the back of my right side. I often sleep in wierd positions, and I think that's what this is from. I was hoping it would work itself out by now, although I woke up again this morning and it's still extremely sore. I do hope it's not that my foam mattress, now about 5 or 6 years old, is losing its shape or anything. I always sleep on the same side; I should probably rotate it.

Today's the day I wanted to turn in a big sales brochure i wrote for real estate client. I pretty much finished it a while ago, but I wanted to take a step back from it and then revisit it for fine-tuning. So that's what I will do this morning, as soon as the cup of tea I just brewed kicks in and puts me in gear on this sleepy Friday.

After all the extreme heat we've had, it's actually CHILLY, just 68 inside the house. I had to put on a long-sleeved shirt and longer pants as my feet and arms were cold. Crazy.

I found another Open House scheduled for this Saturday for one of the nicer condos I looked at in the complex I've pretty much decided I want to live at. I guess I feel a sense of urgency becus I've been looking at some gorgeous units online that I know will be sold by the time I was ready to buy. There's really no rush as I still think I want to wait for housing prices to recover and since the condo complex is a 55+ community, technically, I'm too young now anyway to move there. I figure I'll want to move sometime within the next 7 years, though I also feel the sooner I move, the sooner, I achieve substantial savings in living expenses and also, it will be easier to pack up and sell the house while I still have the...some energy.

Here's the unit I'll see tomorrow...i really like the kitchen, the lighting fixtures and the gorgeous bathroom sink...

http://www.raveis.com/prop/W1065212/942_heritage_vlg_southbury_ct/

Being a frugal person who's into a simple lifestyle, I actually look forward to significantly downsizing my home from 1650 sf to probably 1400 sf. It doesn't sound like a huge reduction, but i would also be losing all the space in my full attic and basement, as well as a 3rd bedroom, a 2nd living room in my current home and a sun room.

It would require me to get rid of a lot of stuff, something that again, i look forward to doing. Too many possessions feels like a burden that ties me down. Although I've never been much of a pack rat, stuff still does accumulate over time.

Yesterday, I started cleaning out a filing cabinet of paperwork in the hopes of consolidating my current 4 2-drawer filing cabinets into 2 cabinets. While I did weed out a bunch of paperwork that will be shredded, I still need to do more. Half of the cabints are filled with writing samples from my 30 years of work. I'd thinned these out before, too, but still probably have many more copies than I'll ever need.

I also posted a few more things on Craig's List yesterday that I've tried to sell before. Don't know if the woman who expressed interest in the rocking chair will actually come through; she said she had a funeral to go to, so i don't know, she could just be making excuses.

I'm really happy I checked the weather report last night and decided around 7 pm that i should mow the front lawn before all the rain. Though I felt tired and sleepy, I managed to do so.

The 2nd interview

July 19th, 2012 at 07:54 pm

I had my 2nd interview at the PR agency this morning. I think it went very well. Meaning, it was one of the more unusual interviews in that she let me know they liked me and made encouraging comments. She was very personable and friendly. Normally, I seem to get the kind that are a complete closed book, ask a lot of "trick" questions out of a textbook they read somewhere and give you no idea how you are doing.

By using a net pay online calculator, I determined that this job, which would start at just 2 days a week, would net me enough money to cover all my essential monthly expenses! Unless she hired me at the very low end of the pay scale she quoted ($30-$45 an hour). (And again, very unusual for the employer to tell you their payscale, for which I am supremeley grateful becus it will help me position myself if and when the time comes to negotiate.)

But back to my original statement: Working just 16 hours a week will cover my basic expenses.

Don't forget, i just paid off my mortgage, and only by having done so is it now possible for me to do this. For anyone out there who is not sure that prepaying a mortgage is a good idea, well, I think this is as good a reason as any.

It is completely liberating to, for example, have the freedom to bypass a high paying but highly stressful job, or one with a long commute or other disadvantages, for more modest pay and a better quality of life. This is what I have wanted to do for my entire life, it seems. Work somewhere because I want to, not because I HAVE to, to pay the bills.

If she winds up making me an offer, I don't have to get the very top end of their pay scale, but I do plan to push for $40 an hour, which I think is reasonable, given my years of experience.

In the not-so-distant past, I might have just accepted whatever they offered, especially if I was coming into it from a period of unemployment, but I have learned the hard way that you are really hurting yourself, in a really substantial way, for as long as you hold that job.

I mean, you can struggle and cut expenses to the bare bone, but if you just gather up the gumption to at least TRY to negotiate your pay, you could eliminate make your life so much easier. Successfully saving is not just about cutting expenses and depriving yourself of various comforts. It also means maximizing income. I have always been very, very good at the self-deprivation part but lousy at negotiating pay. And it's only been in the last few years that I have realized this.

Men, it seems, more naturally negotiate pay while women tend to be more passive about it. With my extensive copywriting experience, which the person who interviewed me complimented me on at the very start of our meeting, I could easily make a case to come in at the higher end of her pay scale.

When I say the job would cover my "essential monthly expenses," I'm NOT including any unusual home maintenance, the vet, retirement savings, eating out or clothing. So I'm talking very bare minimum.

If I get hired, at the pay rate I'm shooting for, then I would have an additional $421 left over each month. It's been a LONG time since I had that happen.

And I'd still have 3 days a week to do my freelance work, not that i get that much of it, but whatever I could make from it would be icing on the cake. Perhaps I could even contribute something to my SEP IRA again.

I also don't know if the unemployment office, when calculating reduced benefits for someone who works part-time, goes by amount of weekly income or number of hours worked. If they go by hours worked, I might still receive something additional for unemployment benefits, which again would be very helpful.

Once again, though, we are not in Nirvana, because in June 2013, my COBRA ends. If I don't have a full-time job with benefits then, I will have to pay who knows what for health insurance, and maybe it wouldn't cover my pre-existing condition, I don't know. I'd almost be tempted to self-insure, but it seems like a huge risk and not having any idea how long I might have to go without that salaried job with benefits.

The woman I met today said that everyone the owner has ever hired has always started out p/t. The owner had told me start at 2 days a week, with the idea of going to 3. Today's interviewer said that even if I went to full-time, though, there are NO benefits. They are a very small company, maybe 10 people, so they are exempt from laws requiring employer provision of health insurance. Most of the women who work there are on their husband's plan. (I wish I had a husband.)

She was unusually candid, which i really appreciated. She said the owner can be hard to work for becus when there's a project that's especially important to her, she can micro-manage and keep changing your writing a lot, so if take that kind of thing personally, she said, you probably wouldn't work well here.

She mentioned that because their clients are all government agencies, they don't have the kind of crazy deadlines or insane hours that many PR firms have. Of course, being a part-timer, I would just leave at 5, regardless. Although I mentioned I'd welcome more hours if she was willing to pay me.

It's a 45-minute drive. I hope to get an offer next week. Not a done deal, as I have no idea who the other candidates might be, but I think I have a pretty good shot at it.

They just don't learn

July 18th, 2012 at 08:49 pm

NEW YORK (CNNMoney) -- In its first public enforcement action, the Consumer Financial Protection Bureau announced it is fining Capital One Bank for pressuring and misleading two million customers into buying additional products when they opened their credit card accounts.

The bank will refund roughly $140 million to customers and pay an additional $25 million penalty to the CFPB for using deceptive marketing tactics, the government's consumer watchdog said Wednesday.

This is the new bureau Obama created, the one fought so vociferously by the banks, who claimed they could "police ourselves."


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