Coffee heat rising

Happy Easter!

P1020147Happy Easter Egg! It’s been a busy week, and so I haven’t had time to post much. Holy week — the run-up to Easter in the Christian mode of thinking — has been filled with rehearsals and performances. And added to that, work has started to come in from various clients again.

The choir sang Paul Mealor’s Stabat Mater for its Easter concert, and it seemed to come off well. It’s an amazing experience to learn one of these awe-inspiring compositions, and even more amazing for a mostly volunteer choir to pull it off. The reason we do, of course, is that we have a number of professional singers, as well as a near-miraculous music director.

After a little rain a few weeks ago, we’re having a beautiful, warm spring. The desert, still parched by a decade-long drought, hasn’t sprung forth with the color that’s possible, but a few wildflowers are blossoming. We spotted these poppies in the valley between North Mountain and Shaw Butte.

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{sigh} As usual, you have to click on the image to see it in focus and in detail. Annoying WordPress…

Despite  some serious frost damage, the citrus has bloomed spectacularly in the past couple of weeks. The first to pop out was the Meyer lemon, and now the oranges and lime are covered with blossoms. Citrus is heavily scented, so at this time of year the air is perfumed with fragrance.

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The Lady Banks rose I planted a couple of years ago to block the view of the pool equipment was unfazed by the frost, unlike the cape honeysuckle it replaces. The honeysuckle used to freeze back to the ground in a cold winter, but roses shrug it off. And this spring for the first time, Lady Banks is covered with tiny white blossoms.

LadyBanks

The little garden I planted around the base of that rose somehow has managed to survive the seasons of neglect. I don’t remember what this flower is, but isn’t it pretty?

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Here’s another mystery plant that grew in a different neglected bed…

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I have no idea why these things survived the cold snap, but they did, and they’re gorgeous just now.

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Despite the floral show, the yard’s really a mess: dead bougainvillea and plumbago sticks need to be cut back; weeds are growing amok; a third of the lime tree’s canopy is dead; the yellow oleander in front has turned into a dried arrangement; and leaves and twigs and debris have settled in a carpet over the xeric mulch. Gerardo has his work cut out for him…I suppose I’ll have to give him a bonus for the extra work he’ll have to do this month.

And soon it will be summer. The pool’s already almost warm enough for a brisk swim. We’ve had an unusually warm spring, and that often presages a scorching summer. It’s hard to understand how anything lives in this place.

One of these days, presumably, nothing will. But I’ll be gone by then. 😉

Money Happens!

Well…we could say it re-happens. Got a tax refund of $2300, mostly because the college withholds taxes even though I don’t earn enough to pay them.

In an anchorite’s world, that’s a very nice chunk of money. It means I’ll have to draw down nothing from retirement savings to cover Q2 living expenses, and much less than planned for Q3. All the while, m’dears, not teaching freshman comp.

mwa  ha  ha!

It also plumped the Survival Savings fund, the “pool” that’s fed quarterly from Fidelity, from The Copyeditor’s Desk, and from teaching the online magazine writing course, and from which I draw a monthly allowance to meet expenses. It’s right back up to where it was on January 1.  Before the first-quarter disbursal, that fund had about $12,600.

I couldn’t freaking believe it.

So. Barring any new windfalls, Survival Savings will end the year with a balance of about six grand, significantly better than planned.

Since I probably can dispense with the Q3 drawdown from the S-corporation of $360 (we transferred most of the planned 2013 distributions in the form of loan repayments and dividends), in 2013 earned income should come to a grand total of $4800, for the two online courses.

2013 Pool

Meanwhile, revenues are flowing in to the S-corp at an acceptable rate. I’m not working very hard — believe I’ve developed an allergy to work — but I don’t have to work very hard to earn enough to adequately supplement Social Security, a 4 percent drawdown from savings, and the most minimal teaching schedule possible.

God is great, beer is good, people are crazy.

Midori!

If you’ve never heard the astonishing classical violin virtuosa Midori, take the first opportunity you find to go to one of her concerts.

The Phoenix Chamber Music Society brought her here last week. This, hot on the heels of Chanticleer, one of the most gorgeous a capella groups ever, the first fully sold-out concert the society had enjoyed in a while. Midori’s concert was also sold out, and for good reason.

My companion in spending-on-concerts crime, being a tax accountant, was reduced to having to work that night (or at least to subside into comatose stupor for a few hours). So she offered up her ticket, and I invited a friend from choir. She decided to fix us a lovely dinner of chicken and dumplings beforehand (!! haven’t had that since my mother made it) at her great old North Central home, and then it was off to the shindig.

Midori. My god. It was the single most astonishing performance I’ve ever heard, and I’ve been in concert halls around the globe. She played, solo, for a good two hours, an all Bach program. Many of the pieces were extremely challenging. By the end of the evening she seemed no less vigorous, no less inspired than she was when she started. Her playing: spectacular. The music: awe-inspiring.

Put it on your bucket list: a concert by Midori.

Around and About the Web

Okay, let’s try one more time to launch the proposed exciting roundup.

First: Once again Funny made it into the Carnival of Personal Finance. At Money, Life and More, Lance kindly included the rumination comparing our parents’ income and expenses with those of us moderns.

FREEBIE ALERT!!!!!

Today and tomorrow only, get a free download of Get Out of Debt Like the Debt Heroes: How 21 Ordinary People Paid Off Over $1.7 Million in Debt, by Ben Edwards (Money Smart Life) & Jeff Rose (Good Financial Sense).

At NZ Muse, eemusings posts a very interesting article about the arranged marriage one of her best friends is about to enter. Some of the comments are also extremely interesting.

Free Money Finance offers a nicely nuanced piece about the many decisions awaiting young people an their parents when it comes to choosing a college.

At My Personal Finance Journey, Jacob discusses  pros and cons of the several tax-advantaged investment instruments other than the IRA, the 401(k), and the 403(b). None of them are exactly what you’d call aggressive, but they certainly are worth knowing about in the context of your overall investment plan.

If you have to care for someone in your family — or think you will have to, in the near future — you should read Lynn Johnson’s eye-opening post describing a way to be paid as a caregiver without risking your loved one’s Medicaid eligibility.

101 Centavos has made a surprising discovery about a low-cost way of enhancing your home’s value, and, on the side, making it more enjoyable while you’re living in it.

Revanche donated her long locks, which she recently had cut short. Now she’s contemplating how to make other biological kinds of donations.

Holy mackerel! At Afford Anything, Paula is having a frenzy of great posts! Cruise over there and take a look, starting with today’s post on the question of paying off the mortgage.

Over at Antinecktie, Jesse has found a program that helps you learn another language, and along the way he translates the maker’s business model, in spades.

Budgeting in the Fun Stuff calculates ways to cut the budget some more.

Five-Cent Nickel has the obligatory springtime post on how to save money on your taxes…which reminds me, I’ve got to get off my duff and go stand in line at the post office to ship off this year’s check to the state. One thing I could do without is having to pay $5 to mail returns return-receipt-requested!

What’s a Larabar? Apparently Nicoleandmaggie think the things are indispensable. 😀

Abby and DH get their taxes done for a reasonable price. If I’m not mistaken, their CPA is the same as mine. Yes!

Money Beagle reveals all! Or rather…reveals the secret of beating long lines at the Costco gas pumps.

Evan is mad as a hornet about his 401(k). See why at My Journey to Millions.

In the amazing department, check out Pauline’s investment in the coconut farm at Reach Financial Independence.

At Planting Our Pennies, Mrs. PoP discusses the strategies of spending money to save money.

And, appropriately enough for the end-point of this post, at Surviving and Thriving, Donna Freedman talks about dying.

 

Warning: Toxic Cooking Utensils!

Wanna feel your jaw drop to the floor? Check out this label that came in the wrapping of two pair of cooking tongs purchased at Target:

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Got that? In case any of us is vision-impaired, let’s try that again, bf/cc/clc:

WARNING: Handling of the plastic used in this product may expose you to lead, a chemical known to the State of California to cause cancer, birth defects, or other reproductive harm. Wash hands after use.

Now you’ve got it, right? We’re talking about cooking tongs, the gadgets you use to flip chicken in the frying pan, to flip steak on the barbecue, to toss salad at the table. The only plastic on the things is a coating smeared all over the handles.

Even though this little caveat is in plain sight, I didn’t notice it while I was inside the Target store shopping for old-fashioned hinged tongs. It’s tucked away on the back side of the packaging, and of course one is careful to display the merchandise with the front of the packaging showing. I just grabbed it off the rack and ran. The “plastic” mentioned here is a kind of tacky surface, white on one pair and black on the other, applied to the handles of these tongs, presumably to make it easier to manipulate them. The old tongs we used to get in the grocery store had no plastic goop on them — they were just plain stainless steel. They worked just fine. No one needed or asked to have the handles dipped in a vat of lead-laced plastic. But apparently if it ain’t broke, we have to fix it.

Now I’ll have to take these things back. Like I had nothing to do but traipse to Target. Over and over and over again…

It’s beginning to look a lot like they don’t make plain boring scissors-style stainless tongs anymore. They all have some degree of coating on them, though to what extent its nature may be poisonous is unknown — at least, so it goes at Amazon. That means eventually I’ll be reduced to having to get used to the now ubiquitous tweezer-type tongs, which I hate but which at least can still be had sans stupid coatings. Aggravating.

Can you imagine? A freaking cooking utensil, coated with a toxic substance. In an American store that one would presume would come up to American safety standards. Get used to it, indeed: in the brave new world of globalization, if the Chinese, denizens of one of the most polluted countries on earth, will put up with it, you get to put up with it.

FlickingLemonOilAnother aggravation: English Lemon Oil for furniture has disappeared from the market. The only oil-type rub-0n furniture polishes still available are Old English and, in a very few places, Weiman’s. Old English lemon oil, my preference, is still available at Amazon, for 16-ounce prices ranging from $3.49 to $8.47. This once commonplace item no longer appears on retailers’ shelves. Period. I’ve been to Target, Safeway, Lowe’s, Home Depot, Walgreen’s, and Ace. Lo! no more Old English lemon oil, screw you very much. So now, having wasted a great deal of gas in the search, I’ll have to dork around with ordering it online.

Ridiculouser and ridiculouser.

 

 

{Grump!!!}

Spent half the morning compiling a round-up, interrupted about every thirty minutes by one or the other…interruption. Hit “publish” and…FOOP! Disappeared the damn thing.

Apparently I hit “Move to Trash.” And there’s no “Trash” link anywhere to be found in the dashboard. Jesse the Wonder-Guru is going to try to resurrect the thing. Later.

All of which makes me exceptionally crabby.

In brief, the one thing I really need to get online today: Many thanks to Miss Thrifty for hosting this week’s Carnival of Personal Finance and kindly including Funny’s squib on the art and business of panhandling. Love the Dr. Faustus theme!

Meanwhile…If you’d asked me I would’ve told you:

• The new J. Jill collection is weirdly reminiscent of the Sears clothing I knew and loathed during my misspent childhood: everything looks like your mother made it from Simplicity or Vogue patterns.

• We’re a day late and a dollar short in figuring out that the pending demand for long-term care is about to take this country on a skateboard ride to Hell.

• I love our cops. But I sure do hate cop helicopters buzzing our houses and being routed back and forth over residential neighborhoods all the time.

• Man is the noisiest animal.

• Being lured into buying stuff from some retailer is not the same as loyalty.

• Our brave new world gets creepier and creepier by the day. Make that “by the minute.”

• News about movie actors and rock stars bores me witless.

• Every time I hear another story about the Great Desert University I’m sooooo glad I don’t work there anymore!

• People who let their dogs run loose in public parks — especially when the dogs are chihuahuas and the parks are home to coyotes and rattlesnakes — are dumber than posts.

• There’s a special place in Hell for parents who give their kids weird names. Demons will torment them by forcing them, into eternity,  to spell their children’s bizarrely mispronounced monikers.

• Styrofoam is the world’s most annoying substance with which to make cups and plates. I’m pretty suspicious of it as insulation, too.

• Houses covered with stucco look like they’re deliberately engineered to look shabby in 10 or 12 years.

• The word “multiple” makes users sound like they’re speaking with their mouths full. And using the word to mean “two” or “a few” is just plain affected.

• Elected leaders who think it’s their government’s place to tell citizens how much soda pop they can drink lead me to wonder who on earth elected them in the first place.

• Chocolate is good for your health.

• Wine is good for your health.

• Working is bad for your health.