Coffee heat rising

Lordie!

…lordie, lordie! How many hours is it between 7 a.m. and 11 p.m.? Only 16? Really?

After tossing off yesterday’s FaM post, I worked until 6:00 p.m. on the client’s book. Then spent the entire evening setting up the Canvas site for the magazine-writing section that starts on March 3. It now has just enough students to make — if one drops between now and then, four hours of free work go down the drain. But if I don’t get started on it now, then I’ll have a bitch of a crush at the last minute.

All of the announcements have to be redone, Spring Break having thrown a monkey-wrench into my carefully calibrated calendar. (Oh! alliteration!!!) That’ll be another hour or two of work. Hope that’s all.

The client is pushing to finish the book before he has to leave the country in two weeks. And last night a new project came in from another client, one of the bright lights of the Far East whom I’m not about to turn down.

Gained another pound overnight, even though I didn’t eat much. That’s two pounds in two days, after Monday’s salt-filled breakfast at IHOP followed by a lunch of pasta and scallops. Am getting exactly zero exercise. The dog is sick and can’t walk far, and I haven’t had time to break loose an hour to go trudging around the neighborhood.

Helles belles. I didn’t even have the energy to brush my teeth before falling into bed last night.

Uh-oh…

Dog is off her feed. She’s been showing some reluctance to eat over the past week or so but, being a corgi, finds it well-nigh impossible to turn down a pile of food.

She’s been licking the tile flooring, too. This is a sign of a doggy upset stomach. (Don’t we all lick tiles when we feel bilious?)

This morning she’s finally given in to whatever is ailing her: left half her food in the dish.

And that is unheard-of. Since corgis live to eat, it’s a bad sign.

Nice timing, just when I’m about to shell out a pile of money for a pup and then some more money and then some more money and then…and then…and then… Can’t really afford a big vet bill for Cassie just now.

Damn. It’s been one ungodly expense after another ever since the first of the year: the trees, the eyes, the glasses, the contact lenses, the landscape repair, the dentist, the puppy, the nagging need for clothes that fit… Holy mackerel. Or is that holy doggerel?

If I were still using the old bookkeeping system wherein I put $200/month aside for emergencies in a cookie-jar savings account, by now — the middle of February! — the short-term emergency fund would be drained. That savings account only had about $1,000 at the end of December. I’ve spent at least four grand since then.

It’s all coming out of the gigantic pile of dough I threw into checking for the purpose of supporting me through 2014. Because of course I’m earning a little each month — at last a check came in from the community college district, and the Social Security Administration is also throwing money into that checking account — the bottom line doesn’t look so gut-wrenching. Certainly not as gut-wrenching as a savings account balance of $0.00.

On the other hand, that pile of dough has to cover taxes and insurance, which in 2014 will come to around $5340, assuming I don’t have to buy a new car this year. What I’m concerned about is that if these extraordinary expenses continue, they’ll eat up the set-aside for those unavoidable gouges.

And that is not good.

To avoid running out of money this year, I’ll have to see to it that some $4,000 is made up by sheer, raw frugality: the slack will have to be taken out of the food, clothing, entertainment, gasoline, and household budgets. I bought another couple pair of Costco bluejeans yesterday, since running the washer every couple of days isn’t very practical. That will have to be the last clothing purchase for the next three or four months. At least.

It still astonishes me that I can get into a pair of jeans with the number “8” on them, and it’s even more amazing that jeans that fit and last can be had for $15.99. I returned the annoying bras to Soma — was amazed that they took the damn things back — but then replaced them with two more from Saks, where I finally found a sales-lady who was willing to wait on an elderly woman (rarity of rarities!). So no net gain was had there, except that now I have one (count it, 1) bra that doesn’t hurt outright and one that’s comfortable enough if I don’t wear it longer than about 45 minutes.

Welp, here’s Gerardo with his campesinos. And so, to work…

 

Creative Angst

Report from La Maya this afternoon: her partner La Bethulia, a psychiatric nurse practitioner, had accepted a job offer from the largest medical combine in the state. Notice had been given to and accepted by her employer that she was quitting her handsomely paid position to move to the new one. Days before she was supposed to start, the new employer realized one of her many certifications, whose requirements the State of Arizona had retroactively changed, was never updated. At the last minute, they rescinded the offer.

This caused quite the flap. Not only would they be out more (significantly more!) than half their annual income, La Bethulia would lose her health insurance, which covered the grandchild whose custody the two women have assumed.

Mercifully, just as their canoe was tipping over the rim of Niagara Falls, Old Employer came through with a new job offer: same position, same pay in a different office.

Wow! That one got the adrenalin flowing!

So it was that La Maya spent some time this afternoon holding forth on the restless angst we all feel about our jobs, a sense that she describes as “boredom.” La Bethulia sought a new job (at about the same pay level) out of this restlessness.

La Maya still works for the Great Desert University, an institution that has spawned at least one psychiatric therapist (that we know of) whose practice specializes in GDU faculty and staff. Meanwhile, over the past number of years, she has been studying art — specifically fine-art painting. Of late, she has passed a kind of threshold where her work no longer looks like the efforts of a talented amateur but instead, suddenly, has taken on the look of truly professional art.

She has begun to wonder if it’s actually possible to make a living — “a good living,” she puts it — as an artist. We know it is, because one of her teachers, whose work is displayed in major galleries and commands figures like 14 grand for a single canvas, is doing exactly that.

Meanwhile, I have this novel. Soon it will be ready to send off to Amazon. Not only that, but I have plot outlines for two others involving the same characters and setting and a third that we might describe as “something altogether different.”

The whole idea of doing something creative — something altogether different — and making a living at it appeals. Enormously.

I don’t expect to earn $14,000 for any of my creative efforts (although one of the earlier efforts, done on contract, did earn my client 1.5 million dollah in the first year and a million in the second year after publication). At this point in my life, I don’t need much. All I need is enough to supplement Social Security and defray the amounts I have to pull down from savings. That would be in the vicinity of, oh, about ten grand a year. Give or take.

Ten thousand dollars is not, in the large scheme of things, very much.

What independently published books typically earn, I do not know. From all I can tell, no accurate figures exist, or if they do, they’re proprietary. Some reports suggest income is very low — and, knowing how these things go, I’m inclined to believe that. Others hint that, over time, it’s possible to earn enough to satisfy those who don’t need a day job.

That would be moi: I have no desire to quit the day job, because I don’t have a day job anymore. However, it would be nice to see enough income to go out to dinner now and again and make the occasional shopping excursion to My Sister’s Closet, an upscale thrift store.

To pull it off, I’d need to net about $5,000 to $10,000 a year.

Teaching two dreary community-college courses a semester nets $7,680/year for me. Assuming a 15% tax rate on book sale income, I’d have to earn about $8,830 after expenses but before taxes to come up with the same amount.

If you netted two dollars on each e-book sale, you’d have to sell 4,415 books in a year to come up with the desired (minuscule) figure.

That, obviously, is unrealistic. At least, it is when you’re talking about a single book. However, I could churn these things out at the rate of one or two a year. If you believe fantasy writer Michael Sullivan and grant that his experience may be typical (a big grant…), it’s reasonable to expect one would start out slow and build up, over time, to a respectable but not stellar income. This guy started out earning around $50 a month in 2008; by 2010 he was making $2,000 to $3,000 a month. He thinks that’s not enough to live on (heh!), but then says when a book took off, he suddenly (and briefly) found himself earning 45 to 55 grand a month.

Well, that strikes me as highly unlikely. But two grand a month would be…well. Grand!

Imagine how many second-hand designer tops I could buy for two thousand dollah! 😆

But back to the angst issue: Why on earth would I want to throw over what I’m doing, which does earn the requisite amount, to settle into my garret and spend all my time writing up my fantasies?

I think La Maya hit the nail right on the head: boredom. Much as I dearly love and respect my honored clients, I’m mighty sick of reading and polishing other people’s work. I would like to write and publish my own work.

Because what I’m doing is not what I want to do, it often feels like more work than I can handle. Objectively I’m sure that’s not so, nor even possible – I’m not doing that much work. Plus there’s the problem that as I age (or as I become more and more cognizant of the boredom factor), the flow of things that need to be done grows more and more gestalt. Where before I used to be able to move steadily through a day of work and activities, now I feel like I’m jerking around from task to task, often not finishing what I want or need to finish before I go on to the next thing.

I hate that.

I feel vaguely guilty about doing the things I’d like to do – i.e., write novels, hike, goof off – because they’re not money-makers, or I don’t know whether they could be (but think probably not).

What I would like to do is not what I need to do. What I need to do bores me blind. It’s hard to force myself to do editorial, teaching, and bookkeeping work, because I am so, so bored with it!

Also I feel guilty about creative writing because it feels like day-dreaming to me. I suspect that, as a daily activity, it might not be healthy.

Still…if I could get a book in front of the public and see if anyone would read it, then I might feel more comfortable about engaging this endeavor.

Time Management: Where DOES the Time Go, Anyway?

Have you noticed that time seems to be going extinct? It goes away so fast that it has now become almost impossible to find, at least in the wild. I’m sure there are time zoos that still have a few hours in captivity…but where has all the free time gone?

It’s Friday already. Have I done much work this week? How? This week was never here!

Well, actually, you could argue that I have managed to get a few things done: edited and rejiggered a client’s new introduction; done the bookkeeping and wrestled the current stack of paper off the desk and into the file drawers; written a new chapter and roughed out the plot outline for the second novel in the Cottrite Chronicles (yeah: haven’t sold the first book and am already writing the second…talk about living in a fantasy world); fired a now-former client who thinks $6/page for developmental editing is “too much” (result of my bad call: I mistook her for one of the Singaporean Ph.D. students who have been pounding at our doors and gave her the cut-rate starving-student rate for the first stuff we did for her, and so now she thinks we should work for less than minimum wage); ascertained that the magazine-writing course will probably make.

It’s what I haven’t done that worries. Videlicet:

• Written a report to the membership of the Scottsdale Business Association on the outcome of yesterday’s meeting (huge!)
• Written and e-mailed a new calendar of speakers for SBA members
• Sent out a new press release for an upcoming choir event
• Written and published a round-up for FaM, not in what seems like for-freaking-EVER
• Updated and posted new material to the waiting Canvas shell for the maga-writing course
• Ridden herd on the 102 course
• Inserted new material in client’s memoir and made that work; figured out what portions of the MS to delete to bring length down to something even remotely publishable
• Billed clients in, yes, for-freaking-EVER
• Done any serious work toward learning how to market e-books
• Deleted outdated ads on FaM as requested weeks ago by a certain well-known advertising agent 🙄
• Written a decent personal-finance or stress management post for FaM since the memory of person runneth not to the contrary
• Lined up new leads for SBA members
• Figured out how to generate 12(!!) of those this year
• Rewritten SBA New Member packet
• Taken SBA lead form to Kinko’s and figured out how to get them to reproduce the things
• Printed and put together a badge for new SBA member
• Begun working on jewelry to donate to this fall’s Silent Auction (these things take time to make and need to be started now)
• Started buying stuff for New Pup
• Sat down and figured out how exactly I’m going to afford New Pup
• Informed art director that there’s something missing in the mock-up of the map I sent him two or three weeks ago. Yes. That would be a large river that extends several hundred miles. Ahem. And…uhm…oh well.
• Traipsed to the optometrist’s and picked up the new Vision System — four new pairs of glasses.
• Purchased new battery for MacBook before it’s too damn late!!!

It’s interesting how many items have to do with “figuring out.” This is not a task that accommodates itself neatly to my favorite time-management device, The List. It’s not very practical to schedule x number of minutes or hours for sitting down and staring at the wall while thinking through this or that scheme or challenge. In effect, thinking time has to be crammed into the interstices around tasks that require physical action. Really, it’s only physical, get-it-done-now items that can, in any practical way, go on a to-do list.

Today the only things that will get done, I expect, are

• the SBA catch-up tasks;
• the remaining work on the client’s book;
• and picking up the glasses.

While I’m out to get the glasses, prob’ly I should traipse to the Apple store and pony up another pile of dough to replace the laptop’s batteries. Trouble is, just now four (count’em, 4) projects are in progress on this thing, and I don’t relish having to close down every file associated with them. That would be sixteen files now standing open, none of which has to do with the SBA stuff that needs to happen today.

This weekend the maga-writing course presumably will have to go online, assuming none of the new enrollees have dropped since I last looked at the roster, and I’ve GOT to get the billing done. If any time is left around those, maybe I can choke out a round-up (endless apologies to beloved bloggers such as 101 Centavos, Evan at My Journey to Millions, the spectacular Donna at Surviving and Thriving and her doughty daughter at I Pick Up Pennies, the globe-trotting NZ Muse, and the ever-entertaining Money Beagle, Planting Our Pennies, and Revanche at A Gai Shan Life…not forgotten!)

And so, to work…

Please. Unnerve Me Some More!

The credit union’s servers are down. Been down for a good half hour. I ask you: can anything be more unnerving?

Who or what has hacked their servers? Or if the things just collapsed of their own weight, how much data have they lost?

Oh well. I wrote two checks that I neglected to enter in the check register. Can’t get into the online account to take a peek at them, so…guess I’ll just have to enter mystery payees in Quickbooks.

Speaking of hacking, at the Scottsdale Business Association our IT guru reminds us that the CryptoLocker hack — where the crooks tie up your entire computer system by inserting an encryption code and then demand that you pay to get your data back — is spreading and is pretty serious stuff. The crooks now demand that you pony up money within three days. If you don’t do so, then at that point even they can’t  unencrypt it. He said most recently a large law firm had all of its data scrambled and lost. He says typically the ransom demand is around $300 and advises it’s best to pay up — and quickly.

He also reports that anything that’s mapped as a drive, such as an external disk drive or DropBox, is encrypted by the CryptoLocker hacks. About the best defense, apparently, is to back up data manually and then unplug the back-up drive. Meanwhile, never click on an unfamiliar e-mail message — that’s where most of the attacks are coming from: the instant you open the e-mail the software invades your computer — and of course keep your browser and antivirus software updated.

Or buy Apple hardware: Cryptolocker targets Windows machines.

 

Puppy!

So Sunday we raced out to Wittman between choral events to view and select the puppy. Here she is:

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(Click on the images for larger, higher-resolution views)

Whaddaya think? Cute? or Not Cute?

She doesn’t have a name yet…figuring out what she should be called is the next project.

Breeder Lindsay thinks this pup is the quietest and probably the least assertive of the litter, the concern being that Cassie could get competitive with another female. Personally, I think Cassie will be fine. But time will tell.

IMG_1758She’s SO TINY at five weeks: no bigger than my shoe. In this photo, she looks like a sable (fur with two or three colors on each shaft) or a  tri-color (red, white, and black), but Lindsay believes she’ll be red and white. Corgis change color dramatically in the first few weeks and months of life.

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Mmmmm! Shoe! Good to eat! 😀 She may be the quietest of the litter, but in Corgi language that does not seem to translate to “retiring.”

IMG_1770Puppy. Kill. Starfish!

IMG_1776Puppy. Kill. Finger!

IMG_1792Whew! Hunting is hard work!

IMG_1795She found a cave and took it over as a nest, where she promptly fell asleep.

IMG_1796Back in the den with brothers and sisters!