Coffee heat rising

So…How Would YOU Replace Obamacare?

Since a certain element in the Body Politick is bound and determined to kill universal health care — at least in the form of the Affordable Care Act — it might behoove our leaders to think about what (if anything) they would put in its place. They evidently haven’t a clue hidden inside their bituminous hearts. So…let’s help them out.

If you asked me, here’s what I’d tell them.

• All vaccines will be free, including flu shots.

No one can force you to get yourself or your kids immunized (although schools would retain the right to bar enrollment for kids who haven’t had a basic round of shots). But if you have to be treated for an illness that could be prevented or ameliorated by vaccination, and you cannot prove you have a current vaccination for it, then you should have to pay for the treatment out of pocket. This includes trips to ERs.

• ER treatment that’s not a true emergency — like showing up to get free treatment for a strep throat or a cold or anything else that would have been covered if you had ponied up the cash for minimalist coverage: that will be something you have to pay for out of pocket.

• All preventive health care: free.

• All birth control: free.

• Coverage for an elective abortion:  you pay for it out of pocket. An abortion resulting from a medical emergency or severe pathology will be fully covered.

• Coverage for Rx drugs: chemotherapy, cardiac disease, kidney disease, multiple sclerosis, and diabetes drugs are included in the basic healthcare package. For most other prescription drugs, you can opt into a special plan, similar to Medicare Part D.

You can’t be blocked from opting in if you’re suddenly diagnosed with something that requires long-term use of drugs.

OTC drugs that have been Big-Brothered off the shelves, such as cough medicines that actually work, are to be returned to the market, so that you don’t have to go to a doctor to treat a bad cough from a cold.

• All other coverage would be handled much in the manner of Medicare, partially covered with flat fees, partially funded by taxes. Base hospital coverage would be free , but as with Medicare, more extensive Part B-type coverage would cost a couple hundred bucks a month: $134-$268, depending on your income. Expanded coverage would be available optionally through insurers or the government, but strictly regulated, exactly as Medigap plans are regulated now.

• Care for self-inflicted harm from drug use and alcohol abuse: you pay for it. This includes treatment for ODs and injuries incurred in accidents caused by your own drunk driving.

• Mental health care, even drying out from alcohol and dope (exclusive of physical disease or injury caused by abuse): covered.

• Coverage for the indigent, the unemployable disabled, and the homeless: through expanded Medicare.

How will this be underwritten? With a tax on everyone, including people who are not now working but getting income from dividends or welfare. And a no-exceptions, no-cap tax on the wealthy and the über-wealthy.

If businesses are to continue offering health insurance as a job perk, then the tax exclusion for the benefit can’t be eliminated. Otherwise, Americans will have to resign themselves to paying hundreds more in taxes, as the cost of employer-based plans will be taxable. On the other hand, it may be fairer for everyone, including employees of corporations that can afford to swing health plans, to pay their own share.

Insurance premiums, after all, ARE a kind of tax. They work the same way as a tax works: everyone pays in, for the common good. If everyone in the country is paying in, individual premiums will be lower. And if we’re not ALL paying for stupidity (drug use, alcohol use, refusal to vaccinate), then shared costs will be lower.

How would you advise our doughty leaders about replacing the Affordable Care Act?

Image: DepositPhotos, © sudok1

Pricing: Is it all in the presentation?

We all know the prevailing folk wisdom to the effect that if you price something a penny or two less than a round number, buyers will perceive the cost as less than the actual price. So, let’s say you need to get $15 for your Advanced Digital Doohickey to pay your workers, cover your store’s overhead, and take home a few pennies as net income. You’ll sell more A.-D. Doohickeys if you price them at $14.99 (or even $14.98, such a DEAL!) than if your price tags read $15.00.

Sounds stupid, is stupid. But apparently it works, because everything you see everywhere is priced a penny or two below a round figure.

But…are people really that stupid? Well….

So a couple weeks ago, I decided we should revise our rate schedule at The Copyeditor’s Desk. We’ve been charging a page rate that ranged from three or four bucks a page to $15 a page for the truly unintelligible.

It struck me, after much cogitation, that it would be easier and fairer both for us and for our clients if we charged a per-word rate.

The page rate had proven problematic in several ways. To start with, Microsoft in its infinite changeability has “updated” Word’s page margins from one inch top and bottom and 1.25 inches left and right to one inch all the way around. Since our rates were calculated on the old default, that translates to about a 10% cut in pay for us. So when I tell a client $X per page, I have to make sure we’re talking about the same page size. Changing their page layout, naturally, is off-putting: it looks like I’m trying to extract more than the job is worth.

And we often find prospective clients submitting copy set in 10.5- or 11-point type with half-inch margins. Interesting, isn’t it?  You want me to help you get your dissertation accepted so you can get a cushy academic job instead of working in a rice paddy or a kibbutz, but you think it’s OK to cheat me.

A word rate obviates both those problems: no more figuring out whether the manuscript fits our parameters, and no more arguing over the length altered by the font size. It’s easy for everyone to agree on the number of words, and no hard feelings are generated.

So I changed our billing from $4 to $15 per page to 2 cents to 6 cents a word, depending on the copy’s difficulty and technical level. I calibrated the word rates so they would equate to the similarly sliding page rates — the truth is, on the lower end the word rate adds up to a little less than we were earning per page.

But here’s what:

When people see a price tag of pennies a word, even though the cost adds up to the same as the page rate, they don’t even blink.

And m’dears, the work is pouring in the door. I can freaking not believe it.

Apparently, two or three cents a word looks like pocket change, whereas four bucks a page translates mentally to an extra-large latte for each page. The price is the same. The attitude to it: night and day. Or, from my perspective…day and night.

How amazing is that? Apparently it really is true that people’s perception of how much something costs depends on how the price is presented.

Do you mentally translate the cost of a $14.99 doohickey to $15? Or do you think of it as costing around 14 bucks?

Do You Tip Counter Staff?

So…I go in to my favorite coffee house to buy a pound of their French roast beans, about the best coffee you can get anywhere.

Walk over to the shelves. Pick up a bag of “The Bold Truth!” (it is!), belly up to the checkout counter, and fork over the Visa card.

The store uses a Square attached to an iPad to run your credit card. So she does this and then she shoves the tablet in my face and says, “How much do you want to leave for a tip?”

Choices are 15%, 20%, or 30%.

I think…

Are you kidding me? I walk into the shop; I walk across to the retail section; I search out, locate, and retrieve a pound of packaged French roast coffee; I carry it over to you and hand it across the counter along with a credit card; you pick up a device and stick my credit card in it. You haven’t moved two feet in this entire transaction!

Trying not to show (too extravagantly) how peeved this makes me, I say, “I should pay a 15% tip on a $15 bag of coffee? I don’t think so.”

Then of course I feel like a bitch. She emphasizes what wonderful coffee it is. I allow as how it’s probably the best coffee in town. But I’m not paying a tip on non-service. Or rather, on service that entails nothing more than collecting my money.

Ten percent of $15 is $1.50 [TYPO in the original post!! eeek…], bringing the total tab (not counting the aggravation cost) to almost $17 for enough coffee to last a week or, at the outside, maybe 10 days. At 20 percent — the amount I normally tip in restaurants, BTW — that bag of coffee would’ve cost me $18!

Well. The Little Guy (as SDXB and I call the proprietor) does sell great coffee. But I can buy a pound of perfectly fine espresso beans for $12 at AJ’s Highly Overpriced Grocery Store. Twelve ounces of Peet’s espresso will set you back $6.64 at Amazon, meaning that  a pound — 16 ounces — would cost you $8.85.

Grrrrrrrrrr….

It’s not really the $17 or $18 cost. The coffee is outstanding and undoubtedly worth that much. Even though I’m pinching pennies, I’m willing to pay for an indulgence that makes my life a little better. And morning coffee is a BFD around here. It’s one of the few small pleasures that make my solitary existence tolerable.

And I know that people who wait on counters don’t earn very much, and I know that if I were a decent human being, I would regard it as charity and pony up two or three bucks.

But…I also know that between the two of us, I’m the one who needs the charity. That lady earned noticeably more than I did today. Half my day was spent untangling an academic paper and reading the most brain-banging cant, cliché, and jargon disguised as academic writing…just gawdawful stuff.

At $4 a page, I earned $136 for that exercise in sado-masochism, which will be split 50/50 with my business partner: a net $68 for about eight hours of mildly annoying work (half of yesterday was occupied in preliminary work on the piece). It will be four to six months before we’re paid for the job we’re working on now.

If the coffee-house counter lady earns minimum wage (without tips) and hangs around the place for 8 hours, then she is paid $80 for the same number of hours, approximately, that I put in on the cant, cliché, and jargon. And she didn’t inflict any wear and tear on her own computer equipment to do it.

Think I could get away with asking my clients for a tip?

No. ‘Fraid not. About 90 percent of the time, when I quote our standard rate of about $4 a page to a prospective client, I never hear another word.

So, dear reader…

How do you feel about ponying up a tip to a counter clerk who does nothing more than take your money?

Image: Deposit Photos. © Shaiith79

The 4 Best Android Apps to Track Your Investments

Stock trading happens throughout the day, but unless you’re a trader with a stock ticker on your work computer, you’re not always able to check performance. Maybe there’s a stock you want to trade, but you’re tracking it to find the ideal sale price. Or you want to buy, and you prefer to get the stock at the lowest possible price. Whether it’s research or investing, it’s difficult to simply log on to the major trading websites when at work, at lunch, or during a break in a meeting. Android phones make it far easier to track investments, especially when you’re using these four apps.

Yahoo Finance

Yahoo’s Finance app makes monitoring stocks easy and efficient. It has no trading capabilities and is strictly view-only. What makes it an excellent app is the fact that the interface is uncluttered, has all of the information you need and want for the stocks you’re tracking, and goes beyond just stock tracking. Intuitive navigation means there is a little learning curve needed to figure out how to do what and go where within the app.

The app lets users create a personalized watch list in order to get stock quotes and news relating to the stocks on the list. Compare stocks on full screen charts. It also tracks more than stocks alone. Keep up to date with information on currencies, bonds, futures, equities, and more. Yahoo Finance covers all of the basics and supplies vital information when you need it most.

Stock Quotes Live Wallpaper

Stock Quotes Live Wallpaper does what its name suggests: scroll stock quotes on the home screen. It’s mainly used for the simple purpose of seeing stock quotes at a glance. Just look at the phone to check the progress of certain stocks at any given time.

The app is straightforward to set up and use. Simply enter in the stocks you want displayed, dial in the settings, and apply. Users have the option to choose the display settings, how fast the stocks scroll, background color, and how frequently the quotes refresh. Powerful phones like the Galaxy S7 have the capacity to take on the operating requirements of an app such as this one. As long as the phone has a network connection, it’ll keep the information updated according to the refresh rate. For more information on the Galaxy S7, click here.

That’s all this app does, however. Taking action on a stock requires logging into a portal on a regular computer or trading app.

MSN Money

MSN Money works in a similar fashion to Yahoo, except it syncs across the desktop and cell phone. Information viewable on the Android is also viewable on the desktop. Any changes made on any device transfers to all. This function eliminates a lost trade due to a lack of consistency across devices.

The tracker lets users follow all of the major and minor stock indexes along with currency exchange rates and commodity prices. Simply put all stocks into the personal watch list and check on performance at a glance. No scrolling through several screens just to get one stock quote. MSN Money also carries the latest financial news and supplies targeted information for the stocks stored on the personal watch list.

Stock Tracker

Stock Tracker brings simplicity to tracking stocks. The app lets you create a personal watch list of stocks and graphs their performance. Choose from once-a-minute, daily, weekly, or monthly views to check out the performance of any given stock. Information gets updated in real-time which means no missing out on the latest change to a stock price. It also provides a news feed that updates whenever a relevent article gets published.

Keep in mind that Stock Tracker is straightforward and has few whistles and bells. But for clean, clear-cut stock tracking, it can’t be beat.

Stock tracking is a very personal activity, and these apps help you follow your favorite stocks. They’re feature-rich but won’t clutter the screen with unwanted information when all you’re interested in knowing is up-to-date performance. Check in at your leisure, or take a quick glance during a slow moment and get all your information in one place.

Image via Flickr by Microslervos; Creative Commons license

Real Estate, Money, and Style

So the handsome young Mega-Church Audio Engineer, who apparently earns a fairly decent living if the cars he and his wife drive are any indication, has put his house on the market. This two-child couple are classic urban upwardly mobile folk, the sort who buy in an aging neighborhood like ours and, bless’em, handsomely fix up decrepit houses that they perceive a) as better built than the present ticky-tack and b) quaintly Mid-Century Modern.

♥

The house they bought was a crumbling rental right behind the house SDXB  used to live in.

The original owners, a reclusive pair who had lived there for at least a couple of decades, were thought to be mother and son. Whatever they were, they were quiet but strange: good old-fashioned slobs. They let the place run down year after year after year.

Way. Way. Waaaaaayyyy down.

Eventually they sold the place to the Perp, a guy who turned our neighborhood into his personal rental empire by converting every home he could grab from elderly original owners, who had no idea they were giving away their property for a fraction of its real value. The Perp did a little do-it-yourself fix-up, filled in the nonfunctional swimming pool, and rented it to some serious sh!theads. The last of his tenants was a guy who abused his children so violently that the neighbors across the street sold their home to get away from the sound of the screaming. They announced — to the Perp himself as well as everyone else — that the abuse was upsetting their own children so much they could no longer live there.

SDXB was up on his roof doing some shingle repairs, when he glanced down into the guy’s backyard and noticed the sh!thead had penned two young puppies in a cage out in the glaring 100-degree sun. He reported this to the Perp, who lived next door to him at the time. SDXB announced that if he saw this again he was going to call the SPCA.

But he didn’t have to: when the neighbor across the street made his announcement that he was moving because of the child abuse, the Perp (to his credit) (I guess) told his charming tenant that if he heard one more word of any such shenanigans, he was going to report them to Child Protective Services. By dawn the following morning, tenant, wife, and bruised children were gone, disappeared into the shimmering mirages of the Cadillac desert.

Shortly thereafter, Perp sold the house to a couple who took up residence there like normal people. The wife was a kind of DIY decorator who liked to do fix-up, and they did improve the place considerably. Not enough to where it looked like a normal house, but better. Much better. Amazingly, they excavated the pool. But they never so much as touched the decrepit, feral front yard.

They divorced. The wife got custody of the house. She turned it into a rental again and moved to California. Not surprisingly, the deterioration resumed.

What a wreck it was! And it’s right at the entry into our neighborhood, so anyone who was coming to look at a house for sale in our area saw, first thing out of the box, this slum property. Needless to say, our property values did not soar into the stratosphere.

Finally, along comes the present young couple. They get the house, and the first thing they do is shovel out the gawdawful landscaping. They, as it develops, are no-nonsense gentrifiers. After several years of painting and clean-up and pool renovation and interior restoration — much of it on a DIY or barn-raising basis, the house looks pretty darned nice.

Nice, but not gaudy.

Just a few days ago, they put the house on the market. They want $429,500 for it!!!

What are they smoking?

Some Biblical weed, apparently: last August they listed it for $399,500; about two weeks later they dropped the price by 20 grand, and then they took it off the market in October.

Not, when you come down to it, the antics of someone in his right mind.

Zillow thinks my house is worth about $317,000. His is the same model as mine; he’s persuaded Zillow that it’s worth $367,241…possibly by overstating the square footage. He’s claiming it’s 167 square feet larger than mine, suggesting he’s probably counting the garage in the livable space…which is illegal. Oh well.

I imagine this spate of grandiosity is inspired by the Amazing Starburst of the fix-up around the corner.

This vintage (real!) Mid-Century Modern babe was bought by professional fix-and-flippers after the ancient old guy who lived there finally passed away. It’s huge: 5 bedrooms, and the original owners converted the garage into a gigantic TV room, thereby manufacturing 2861 square feet in which to raise their several children.

The kids grew up. The wife died. The Old Guy lived out his life in the house, deaf as a stone, with his two miniature schnauzers. They had bushy gray mustaches. He had a bushy gray mustache. Pretty adorable bunch.

The speculators ran amok in upgrading the place. It looks like they put in top-quality stuff, and the style is Late Urban Loft. It’s quite a production…

It’s a little hard-edged for my taste. They painted all the woodwork, throughout, black. But you have to allow: it’s just the thing for a young couple, straight or gay. And young couples, straight or gay, are exactly the future residents we old-timers in the ‘hood covet.

Okay, so hang onto your hat: They want $624,950 for the thing.

HOLY shee-ut! We have arrived in Richistan!

After contemplating these phenomena, I came home and looked around the Funny Farm.

Could this $317,000 shack really be worth something over 400 grand? Hmmm…

Not much has been done to it since I moved in, about 13 years ago. Compared to the Richerati Moderne around the corner, it’s beginning to look a little shabby. Needs new paint, inside and out. Its handsome cabinetry and black appliances (and its oven that dies if you dare to turn on the broiler) are…well…getting a bit dated.

But it occurs to me that with minimal painting on the inside — minimal as in even I could do it myself — the place could be made to look a lot more up-to-date.

Fortunately, my friend Elaine, who chose the paint colors for this place, had a real flair for style. The color scheme was well ahead of its time. Those fancy new houses are painted in shades of gray and pale beige. So, interestingly, is the Funny Farm. The difference is, the living room is a sort of swamp green — well, that’s what we called it. It has an accent wall in swamp blue — a kind of deep aquamarine, sort of dusky blue-green. The hallway and adjacent accent wall in the dining room is this crazy Mexican orange, something I came up with and have loved a lot, but that I do recognize is pretty idiosyncratic.

If I were to paint the swamp blue wall in the living room that soft color of green (one of these houses has a wall in a very similar color) and then paint the hallway and dining-room accent wall the very lovely ivory white (almost beige but not quite) that inhabits the dining room, the family room, and the kitchen, that would bring the interior color scheme right up to date.

There’s not a thing I can do about the kitchen and bathroom cabinets and countertops. It might not cost that much to replace the counters with granite, but new cabinetry would run upwards of $15,000 or $20,000, which I surely couldn’t afford. Probably couldn’t afford updated countertops, either.

The exterior needs a whole new paint job, and that is going to cost $4,000 or more. The paint around the slab has crumbled away — it needs to be scraped off and the cracks sealed, a certifiable bitch of a job. I’ve really liked the colors and would probably just repaint in the same shades, except for the chimney. But all of the paint has faded, and so everything, walls, trim, chimney, you name it, would have to be repainted.

Interior painting I can manage myself. Exterior: not a chance.

But four hundred thousand dollah? Seriously? That’s almost twice as much as I paid for the place.

The neighbors and I think we’re looking at another housing bubble. These prices are completely out of proportion to what the houses are: 1960s and 70s tract homes elbow-to-elbow with not one but two dangerous slums.

But one could argue that we’re looking at gentrification of yet another close-in middle-class neighborhood, movin’ on up…and turbocharged by the ultra-stylish, über-urban light-rail line. For all its impracticality and all the unlikelihood that any of them are going to use it on a regular basis, the hipsters romanticize that light-rail to a high pitch.

The historic Encanto district, where the ex- and I lived after we married, gentrified just like this shortly after we moved there, and it has never un-gentrified. The house we paid $33,000 for is on the  market, as we scribble, for $824,900.

So…anything’s possible. I guess.