Coffee heat rising

Do You Really NEED a Car?

lightrail-Phoenix_Exterior_7417.2008If you live in the big city that is: how much, really, do you need a car? And if you didn’t need one…how much would not having a car not cost you?

Yesterday I realized there’s no way I can make ends meet with a $385 car payment, not on Social Security and an RMD…even with the market thundering along like a high-speed freight train.

Sure, I could take more out of the stock market to make up the shortfall, over each of the next five years. But that will take a bite out of my long-term retirement savings…and the bite is likely to be a great deal bigger as time passes, since in my opinion we will be seeing a pretty drastic recession in the not too distant future. The Trump recession is likely to make the Bush recession look like small potatoes.

Just IMHO…

At any rate, I do not want to let a car — and not a particularly good one — suck away my retirement.

Applied for a job a friend told me about, one that needs to be filled within two weeks. Department chair said I’m not qualified.

Hee heeee! Nothing like a Ph.D. issued in 1979 and 72 years under your belt to do that for you, is there? 😀

So I’m walking the dog and a thought crosses my mind…

Y’know, when I took the junk in to have its struts replaced, the Toyota service dept. rented me a car for $50. Had the thing for two days, drove it around; topped up the gas tank for $6.25 and turned it back in, no hassle.

I don’t do what you’d call a helluva lot of driving. And in theory I could do a whole helluva lot less: the new lightrail goes right past the end of the street, and an Albertson’s, a Safeway, and a Walgreen’s occupy corners about half a mile away. Even the Walmart is only about a mile and a half from here.

Could one, as a big-city girl and resident of a burg with designs on urban sophistication, could one do without a car? And if one could, then what?

This car is costing me almost $400 a month, and that doesn’t include the gasoline (it gets a munificent 20 mpg) or Arizona’s astonishing registration fees on newer vehicles. Or the insurance, to the tune of $700+ a year.

Registration in Arizona is $2.89 for every $100 the state thinks your car is worth. Since I’m paying $22,0000 for it, I expect they’ll charge me for about 20 grand worth: that will be $576 thankyouverymuch, along about the end of next summer when the utility bills are sky high.

So let’s see: $576 registration + $700 + ($385 x 12) = $5898. That’s $492 a month. Not counting gasoline, maintenance, and repairs.

Uhm… Y’know, you could rent a car for a reasonable number of days at $50/day. Almost 10 days as a matter of fact: 9.84 days.

I don’t think I actually drive 9 days a month. It’s probably more like 6 or 8 days a month.

And how many Uber rides could you rent for that? Uber costs 9 cents a mile here, plus a 40-cent booking fee. According to their website, it’s $8 to $10 to the Safeway: $20 plus tip round-trip. Plenty more than that to get to the doctor…but how often does one go to the doc? The train, which will drop you off in front of the AJ’s, goes right by the dentist, and stops across the street from the Target and Costco: $5 a day.

But it wouldn’t take that many Uber rides to get where you wanted to go.

Usually I run my routine boring errands on the way home from the weekly business networking group meetings. A Sprouts, two Trader Joe’s, three Walgreen’s, a Whole Foods, and a Safeway are right on that beaten path. A Costco and the AJ’s are in the general vicinity. So in theory, I could rent a car the night before, schlep to Scottsdale, and then do all my errands on the way home. Return the car: repeat seven days later.

Incidentals could, in theory, be bought at the neighborhood Albertson’s and Sprouts. It’s not very safe to walk down there, Conduit of Blight Boulevard being the garden spot that it is. But as long as you didn’t carry a purse — I’d pin a credit card inside my jeans pocket so it couldn’t fall out or be pickpocketed — it wouldn’t be too bad. It’s only about a half-mile, part of the way through the residential area.

How would I get to church?

In theory I could ride a bike down there on Sunday mornings. On Wednesday nights, of course, that would be unsafe: you’d have to traverse main drags in the dark, where it would be really hard for car drivers to see you.

For choir rehearsals, I pick up a friend who doesn’t like to drive at night. He lives just about a mile away — an easy enough walk. I could walk over there and we could drive down and back in his car. As long as I had a can of mace, it would be reasonably safe to walk back and forth between their house and mine.

So then all you’d have to cope with would be light emergencies: sick dog, quick trip to the doctor, the trip to FedEx for the last-minute photocopy job, whatEVER. For that: Uber.

Four short car rentals a month would cost me $200. That’s less than half what I’m paying for the pile of metal and plastic adorned with 28 computers sitting in the garage. Not counting the gasoline. At 20 bucks a hit, that would leave enough for 10 Uber rides or 50 days’ worth of train rides.

Soooo…there we have a question.

Why do I have this car at all?

 

A Gray Day…Sky-wise and Financial-wise

California’s rainstorms are making their way over here. Every time a significant storm blows into California, eventually it crosses the mountains and the desert and arrives here. The sky has been threatening to dump on us all day. And…speaking of “dump,” naturally I pick today to work on the financial books.

Not too bright. As it were…

So one thing — the one thing — that appears immanently obvious is that the current amazing budgetary triumph is a fluke.

And: even if said fluke continues indefinitely, as long as I have to make car payments on top of helping my son pay the mortgage on a house he can’t afford on the salary he earns, I cannot make make ends meet. Said salary of my son’s ranks slightly above Arizona’s paltry median household income (and his 66-year-old virtually uninsulatable house is valued right at the Greater Phoenix median cost for a single-family home) — Yes. Well. The one obvious factoid: my RMD and Social Security are not going to support me unless I get rid of the car and the dogs.

That’s even if I were able to keep monthly expenses at the flukish minimum. Which ain’t bloody likely.

Uck-fay.

Because I hate the recurring budgetary data-entry job, I tend to put it off. So today had to spend two or three hours ripping open envelopes, poring over statements, and entering number after number after tedious number into spreadsheets. And, of course, paying bills.

Engaged in this fun project, I happen to notice that this month’s water bill is exactly the same as last month’s bill, right down to the penny: $99.69.

Say what?

Last month it did not rain every day or two. Last month the watering system was running — it came on every third day. This month the watering system has been off for at least two weeks (could be longer), and the ground and pots are still soggy from the unending rain. Not once have I had to pour tap water into the swimming pool. And because it’s colder than Billy-Be-Damned, I put off bathing as long as I possibly can.

Soooo…there’s no reason the current bill should be anywhere near as much as last month’s bill. That it would be identical makes no sense at all.

I called the water department to inquire about this anomaly — a hundred bucks being high for this time of year, especially after all the rain we’ve had. I was told the meters are still manually read in our neighborhood. This seemed contrary to the notice we got a couple years ago saying our meters would henceforth be read electronically…but who knows? Anything’s possible. The woman I spoke with, Linda, said I should go outside and check the meter to see if it registered the same as or less than the figure shown on the statement. If it didn’t register more, in order to get the Water Dept to investigate, I would be charged a $23 gouge for the privilege.

meter2So I went out this afternoon, in the rain, to check as advised. What I saw was a gauge encrusted in dried-on dust, leaves, and old bougainvillea blossoms.

The statement says the meter was read on January 3. Today is January 9. Obviously, no one could have read the meter without pushing aside the crusted-on dirt. That much mud and crap would not have weaseled its way in to the covered meter box in six days.

Curious about the condition of the irrigation system, I turned the valves on and then traipsed back through the rain and checked to see if any change registered with the meter. None: it didn’t budge. Evidently there’s no leak in the system, even when the system’s valves are open.

I called back and reached Mario.

He said, in direct contradiction to his agency’s first representative, that the meters are read electronically.

He further said I must have used that much water, and it must have been just an AMAZING coincidence that the two readings were the same despite the fact that I happen to know the irrigation system was turned off, no water was added to the pool (thanks to this month’s rain), and (because it’s colder than a witch’s t**** in December in this house when you can’t afford to run the heating system) I haven’t bathed excessively.

After I hung up from this run-around, I sent a complaint to my city councilperson. An exercise in futility, I expect. WTF.

I’m going to have to find a way to get more money. I simply cannot bear the thought of teaching freshman comp again. Honestly. I’d rather starve.

Which at this unemployable age, I probably will.

Wonder-Accountant has said, in passing, that it’s about time to draw down a “salary” from the S-corp. Well. Yeah: actually, it’s probably way past time.

An extra ten thousand dollars would do the trick. But…there’s only nine grand in the S-corp’s account. Most of its income goes to cover its expenses. It just about breaks even. So obviously, it’s not going to keep any wolves from the door.

 

 

Weekend Frenzies

It’s gonna be a very busy weekend. And a lot of fun, one expects.

Down at the church, a lively and much beloved minister is getting married this weekend…to one of the choir members. With a beautiful tenor voice and a noticeable understanding of classical singing, he’s on the chamber choir. (Yes, Virginia: Episcopalians, despite being a dime short of RC, do ordain women priests!) Well, naturally we’re all excited about singing at their wedding…which will take place during the beautiful Evensong service…complete with bagpipes and kilts!

It is going to be a grand party. Over 400 people are expected.

As for me: I have nothing to wear. My only decent skirt is black, not something one can wear to a wedding. This would be the disadvantage of living in Costco jeans… 😉

I dropped by Nordstrom’s Rack yesterday. They had exactly NOTHING. Far as I could tell, the only skirt in the entire store was an ugly straight, short burgundy-red corduroy item. Better the jeans than that thing…

This afternoon I’ll be on the far west side for the monthly meeting of our writers’ group. It should break up early enough that I could go by my favorite shop in Old Glendale, the Garden Shop. It has wonderful, unique clothes — some of them made in the US. They’re kind of expensive, but you really can’t lose with that place.

But…except…yeah: what you lose is a ton of cash out of your budget…

So I tried on a very old, once very pretty hippy-dippy outfit that I got long, long ago in Tucson, while I was still married. I think it may even have been before my son was born.

It’s still pretty enough. But it wants to highlight the paunch. That’s the first thing you see when you look at me in said outfit. The elastic in the waist — which I believe I’ve changed out once or twice — is shot, so I have to pin the skirt on both sides to make it stay up. That would be OK, because the long, flowing top covers the waist…but…not the paunch.

Lo! What should I find in the closet but a shirtwaist-style dress with a loose, billowy skirt that does disguise the paunch. It looks OK with the flat chest, and it looks just fine with a pair of knitted knockers pinned into a cami.

Trouble is, it’s Army green. Not exactly festive. So I’m standing there thinking…well…if I put enough jewelry on, I could get away with it. Fortunately I’m old, so most people can’t see me. Old people by and large are invisible, unless we’re making some kind of a fuss.

Then I remembered that a year or so ago I’d bought a hand-screened silk scarf at the Garden Shop, and it has a lot of green in it. Dig it out of the closet, swing it around my neck Isadora Duncan-style, and voila! It works.

The dress is sleeveless, which means I’ll be cold walking in from the car (it’s about to rain today and probably will be chilly all day tomorrow). But that’s good, because with 400 people in the church, it is going to be freaking hot in the choir loft. Especially under a robe and surplice.

In 20 minutes I have to drive across the Valley to the monthly meeting of the writer’s group I took up with.

I’ve developed quite the flinch reflex about that. It was on the way out there — a 40-minute drive — that I had the fainting spell that scared me back to the cardiologist’s precincts…and that could’ve killed me and one of my fellow lunatic drivers. And it was on the way back — same trip — that the Dog Chariot died in the middle of the intersection and I spent 5 hours waiting for the tow truck to show up…about three of them in the company of a pair of tweaking drug addicts.

Really, the meeting place is just on the far a very bad part of town — everything west of 19th Avenue out to Sun City and Waddell is questionable. And I don’t like to drive through those districts. New car and automatically locking doors notwithstanding. Now that it’s been brought forcefully to my attention that I could get stuck for hours in unpleasant circumstances, I like driving out there even less.

BUT… I do enjoy those people. They’re very nice, and it’s an exceptionally good amateur scribblers’ groups (most are pretty ludicrous). And one of my friends shows up to every meeting, so I do enjoy seeing him.

test-2-smoking-cover-lo-resAnd…this next book I’m about to emit is something that WILL sell to that audience. It’s a natural for them.

In fact, today they’re critiquing cover copy of members’ books. So I’m taking something I tossed together yesterday to get their feedback. Whilst having it copied, it occurred to me to put the table of contents on the back side of the copy: Instant ad!

What I really should do is join a group here in town or in Scottsdale. It would be closer and probably would have a larger membership.

But then what? Am I going to abandon all my new pals out on the West Side?

Likely not. Then I’d have yet another meeting to have to go to.

Which probably would be a good thing. Really. I need to get out of the garret. I spend way, way, way too much time in the company of dogs. And myself.

Four minutes to blast-off. No time to proofread this thing: my apologies for the usual flood of typos! And a happy, well-dressed, entertaining weekend to you!

🙂

 

Recycling: Can this maverick escape the round-up?

The City of Phoenix encourages its residents to recycle by distributing rolling “blue barrels”: one-household garbage bins made of blue plastic into which we are supposed to deposit our alleged recyclables, to be rolled out to the street in front where they’re picked up on Thursday mornings.

In the older sections of town — the tracts that have alleys (i.e., about 20 feet of blessedly empty space between you and the neighbor behind you), they park large four-household bins for actual garbage, to be picked up (also on Thursdays) and trucked to the county landfill.

Both of these are nuisances.

• Dragging your trash out to the front curb: a messy bother that invariably results in trash dumped in the street.

• Sharing garbage collection with neighbors who dump stuff on the ground and let it lie: for the birds.

• Sharing garbage collection with neighbors who drop dog sh!t in the bin and leave the lid open for the breeding convenience of the local mosquito and fly populations: for the birds. (Literally: birds love flies and mosquitoes: gooood to eat!)

• Sharing garbage collection with neighbors who jam the bin chuckablock full so you can’t fit in your little Safeway bag full of nonrecyclables (or anything else!): for the birds.

All of these glories may be about to come to an end.

Ever since the upwardly mobile (read: money, political clout) young mother walked out into her backyard to find one of the local bums had jumped her back wall and was happily molesting her two little girls, the new (much treasured!) upwardly mobile neighbors have been up in arms. Among other things, they’ve demanded that the city close off the alleys!

Among the several things this will entail is the end of garbage collection in the alleys. The city had already proposed this (for different reasons: its subcontractor resents having to drive its huge 21st-century garbage trucks down throughways built for 1960s equipment) and been roundly rejected.

But now, lo! We have new neighbors, new bums, and a change of heart.

If they close the alleys, they’ll end up issuing new, one-house garbage bins to all the residents. These are the same size as the blue barrels, only colored mud green. As with the blue barrels, we’ll have to roll them out to the curb for the garbage collectors to dump into their trucks (and, incidentally, all over the street and our yards).

Now, for the micro-news:

This is fine by me, except that I keep the recycling barrel in the garage and don’t have room for two of such barrels. And I’m sorry, but I’m NOT going to store one of those ugly things on my expensively landscaped and maintained xeriscaped front yard!

So I’ve been thinking about this, and… Last time I talked to the City about the trash pickup — to complain about their dumping trash all over the front yard, sidewalk, and street — I said “and there’s all these food wrappers on the ground.” This elicited a knee-jerk lecture from the woman on the other end of the line, who insisted, THREE TIMES, that “you’re not supposed to put food wrappers in the recycling.” Every time I would reply, “But they’re NOT my food wrappers!” she would re-run her lecture from the beginning.

This is the caliber of people hired to run the city’s recycling program. 😀

But…the truth is, some of the stuff that goes into my blue barrel is food wrappers. And…as a practical matter, prob’ly about 70% to 80% of the stuff I dump in there is not really what the City defines as “recyclable.” That barrel is convenient because it’s in the garage, and so I often will toss stuff there that ought to be recyclable and that in many other municipalities is recyclable but that is not recyclable in lovely uptown Phoenix.

Here’s the thing: I prepare almost all my food from scratch. That means I buy things in bulk; I buy vegetables and fruits that don’t come in packages; I buy meat and fish and chicken that don’t come in packaging that our honored Subcontractor defines as “recyclable.”

BUT because I buy a lot of stuff from Costco, many things I buy come in cellophane wrappers and consumer-proof plastic clamshells that very probably are not “recyclable.”

It’s a rare day that I buy a consumer product that comes in a truly “recyclable” package.

A-n-d…by way of not having to put on my clothes and track down a pair of shoes and unlock a padlocked gate and take my life in my hands to go out to the alley (you don’t go out there after dark, not on a bet), I just drop all the junk in the blue barrel.

So I’m thinking, if and when they put the alley-closure scheme into action, I’m going to stash the blue barrel in what will then be my piece of property behind the house and keep the new brown barrel in the garage. Everything can then be dumped into the brown barrel, and I will never have to go into the alley again.

😉

Underscoring my point that very little of what I consume comes in recyclable packaging:

Couple of days ago, I decided I would try a packaged meal. Normally I don’t eat the things, because they taste terrible and they’re decidedly not worth their price. But this was a fancy gourmet packaged meal from the fancy gourmet market: a scampi concoction with enough garlic to cover many a factory-made culinary sin.

This noon, not in the mood for cooking, I opened it to make the day’s Big Meal.

The packaging defies belief:

• a plastic package of sauce. (Defrost this in a bowl under running hot water. How…ecologically wonderful… /s)
• a plastic package of cooked noodles. (Defrost in a colander under cold running water. Uhmmmm…)
• a plastic package of frozen spinach and red bell pepper slices
• a plastic package of small, raw shrimp

The plan: Defrost the sauce by wasting a large amount of heated water. Defrost the noodles by wasting a large amount of cold water. Dump these along with the vegetables and shrimp into a pan and…well…heat. Et voilà! Dinner! Or something.

The quality of this fine meal was OK. Just OK. The amount of waste it generated boggles the brain: four plastic packages plus a larger plastic bag to hold the set of smaller plastic bags. Not to mention the amount of water wasted down the drain.

Now…  We’re told that we’re not allowed to recycle “food wrappers.” So…presumably none of this stuff was recyclable! In theory, none of it should’ve gone into the blue barrel. But in practice, all of it did.

Consider: if I had made this stuff as Real Food, rather than defrosting it out of a package, here’s the wrapping we would have had:

• tomatoes: none (I would’ve made a tomato sauce with fresh tomatoes, fresh garlic, olive oil, and herbs from the garden)
• olive oil: some day, about two months from now, 1 plastic or glass olive oil jar
• fettucini: 1 small cardboard box, holding enough pasta for not one but four meals
• shrimp: none if bought fresh; 1 Costco plastic bag if bought frozen in enough quantity to make not one but a half-dozen meals
• spinach: none
• red bell pepper: none
• bag to carry the stuff home: none if purchased at Costco; two if purchased at a regular grocery purveyor…bags that would be used to collect dog mounds off the neighbors’ yards

Hence, my theory that in reality I dispose of little actually recyclable waste. So minimal, as a matter of fact, that on trash pickup day I could simply walk across the street and drop the few recyclables I might have into the neighbor’s blue barrel.

Maybe, though…maybe that’s un-American. How much recyclable waste, really, does your household generate?

 

 

What??? A Budget Miracle?

   questionmarkgreenWhat on EARTH? December’s AMEX bill came in: $348.36.

Since I charge almost everything on AMEX and normally budget $1100 for all costs other than utility bills (and now, the damn car payments), this is a little startling.

Okay, it no longer includes the Costco bills…those are charged on Visa now. But lo! Here’s the Visa bill. $151.69???????

Total: About $500?

Seriously? At CHRISTMASTIME?

What the heck?

Well, the $285 that I spent to replace the two pairs of shoes that fell apart was racked up a day after the December billing cycle closed. And I got a smokin’ deal on my son’s Christmas present by buying it from Amazon on Black Friday. The gift is included on the bill, though. And even if you added $285 to the amount due, it would still come to only $785. By the time you add in all the other bills — the power bill, the insurance bills, the phone and wireless bills, the water bill, the cost of gifts for some friends, the $35 I spent at Yarnell for the hand-crafted crosses, total expenditures for this month come to less than $1500.

Have I been in a coma all month?

Or have I made some sort of bizarre math error?

Probably the latter.
But for the nonce, ain’t it grand?