Coffee heat rising

Planned obsolescence

You know, one reason U.S. car manufacturers began, lo these many years ago, to lose out to Japanese and German manufacturers was that American cars were designed to crap out in about five years. Back in the day, a vehicle with 50,000 miles on it was a decrepit bucket of bolts that stayed on the road only by dint of miraculous intervention from master mechanics who had died and been transformed into angels in heaven.

You’d think product manufacturers would have heard the message when consumers moved in droves to Toyota and Volkswagen, which were making vehicles that not only ran more efficiently and more safely but also ran for at least 10 years or 100,000 miles without requiring a major landfilloverhaul. But noooo…. Planned obsolescence not only lives, it thrives. The notoriously short lifespan of computers and other electronic products is well known, though apparently consumers are too sheeplike to mount any serious protest. Back in 2006, the Christian Science Monitor suggested that manufacturers of obsolete PCs and iPods, which are full of fine toxins such as lead, mercury, cadmium, chromium, and barium, be required by law to foot the bill for collecting their deliberately defunct toys and disassembling them. Too bad our soon-to-be-former leadership has proven to be every bit as irresponsible as the big-monied interests that put it into office.

If you don’t care what this ever-growing mountain of unnecessary garbage is doing to the water you drink and the air you breathe, you might consider what it does to your pocketbook.

bosheThe other day I learned my Bosch dishwasher, which has gone senescent at the age of FOUR YEARS, needs a $400 repair. The repairman assumed I would want to junk it and buy a new one, for a mere one or two hundred bucks more than the fix-it job.

Yeah. Nice timing, eh? Merry Christmas: you get to blow half your savings on another new piece of junk, just as an economic depression is rolling down on you.

Four years and a dishwasher dies? Used to be you could expect one to die in a seven years. But, my chickadees: back in the Paleolithic period, dishwashers, refrigerators and stoves could be expected to last forever.For the lifetime of your house!

Don’t believe me, do you?

Well, it’s true. In 1969 my former husband and I bought a fully renovated old house in the historic district of lovely downtown Phoenix. The KitchenAid dishwasher in the house was about two years old when we moved in. This miraculous machine allowed you to drop in dishes while they were really dirty—you didn’t have to prewash them at the sink before running them through the wash cycle. Back in the stone age, this was quite the innovation.

Despite the new technology that made such a trick possible, that KitchenAid was still running, and running well, when we moved out of the house over fifteen years later.That would have made it seventeen years old and still functional. It required, as I recall, one visit from a repairman in all those years.

The Amana side-by-side refrigerator did die about a year before we left: it ran trouble-free for over sixteen years.

Now we learn that a Bosch, a very expensive item, indeed, can’t manage to stagger along for more than four years?

I turned to Bosch after a negative experience with Maytag, once among the highest-rated household appliances. When I replaced the harvest gold clean-it-yourself wall oven and the el cheapo dishwasher in my last house, I bought Maytag appliances, having been assured by authorities such as Consumer Reports that these were top-of-the-line and would run for the full 15 or 18 years one would expect a big-ticket item to last.

Wrong. Five years later—almost to the day!—the oven’s heating element exploded and started a fire, and two days after that the dishwasher died. Both appliances had to be replaced. Fortunately, the fire in the oven caused so much damage my homeowner’s insurance paid for that. But I had to foot the bill to replace a dishwasher that should have continued to run for another five to ten years. At that time, an appliance repairman told me that kitchen appliances are engineered to give out in about seven years.

I will never own another Maytag product as long as I live. And now I’m thinking I’ll never own another Bosch, either. Four years is just not enough functionality for a $600 to $1,500 appliance! Especially one that ranks at the top of consumer ratings for “reliability”!

If this is “reliable,” do you get all of 18 months out of a less highly rated brand?

It’s one huge ripoff!

There’s simply no excuse for this kind of consumer abuse. We know kitchen appliances, like cars, can be made to last upwards of a decade. So, obviously, can computers: the only reason you’re forced to throw out a perfectly functional piece of equipment is that manufacturers deliberately design their product campaigns so that your computer soon will no longer operate in a rapidly—and unnecessarily—changing environment.
Consumers in America and worldwide need to get their act together and force their governments to bring a stop to this kind of outrageous waste and greedy exploitation. Write to your Congressional representatives and demand passage of bills to force makers of appliances and electronics to pay the real cost for manufacturing products purposefully designed to rip us all off.
landfill2photo by D’Arcy Norman

Yard sale adventures

It’s twenty after five and I’m done in…and I didn’t do much of the work.

VickyC is still trying to shovel out the mountains of clothing and other personal effects left after her mom passed last April. She’s already sold over $1,500 worth of clothing on consignment. But bags and bags of perfectly fine clothing—some of it very attractive—were rejected by the consigner. So, she decided to throw a yard sale. Another of her friends and I offered to help out and to bring some of our own yard-salable stuff to the big event.

And what a yard sale she’s got going! We convened at her central-city home right at 7:00 a.m. One of her house-mates put up the yard sale signs on his way to work, and shortly customers started to show up.

In addition to hundreds of clothing items and mountains of towels, sheets, and bedding, she offered several pieces of furniture, including a Thomasville coffee table and a handsome red upholstered love seat. I brought the security cameras M’hijito had installed to record activity in the backyard during the late great swimming pool vandalism adventures, plus some old stereo components and a few pieces of kitsch. A male friend contributed two electric guitars and an amplifier.

People will buy the darnedest things…and not buy the darnedest things. The clothing, as expected, sold well, even though there was so much of it we had no hope of hanging it up or even of spreading it out in any way to display it effectively. Buyers just pawed through stacks and bags of stuff, apparently undisturbed by the absence of merchandising flare. Someone paid $100 for one of the guitars, but no one would pay $75 for the love seat, which was clean and in nearly new condition. It took all day to unload the coffee table. Someone bought two of the stereo components, neither of which was the receiver. The cameras, hard disk, and electronic stuff to connect them to a TV set were stolen.

VickyC collected over $300 today and probably will sell more tomorrow, provided it’s not raining. Rain wasn’t predicted until Sunday, but gray clouds lowered overhead all day and it wouldn’t be surprising if we got rain by tomorrow.I collected $21 and change, and VickyC gave me a lamp that I coveted for M’hijito’s house as consolation for the theft of the electronic goods.

Staging this yard sale was an enormous amount of work, especially for the proprietor. We hangers-on didn’t do much, other than help drag a few tables around and spread out the loot, and then drag it all back into a secure area when VickyC was ready to close for the afternoon. Was it worth it?

Really: is a yard sale worth the amount of work it requires?

Only, IMHO, if you have a lot of stuff to get rid of and you can be pretty certain it’s the sort of stuff that will sell. Around here, that means clothing, children’s toys, tools, low-end cookware, and (sometimes) small household items. And by a lot, I mean a lot:a houseful of stuff left by a deceased relative, or everything you own when you decide to not to rent a truck or pay a moving company to decamp to another state.

Given the time and effort it takes to put together even a fairly small yard sale, I don’t think it’s worth the effort unless you can make at least $300. We held the sale open from 7 in the morning till around 2:00 p.m.—seven hours—and VickyC had put in many, many hours more than that. I’d estimate she put in at least 20 hours, bare minimum. That meant she earned about $15 an hour, not a bad wage.

In my case, however, if you count VickyC’s $15 asking price for the lamp as a fair trade for the $800 worth of security camera equipment that was ripped off (I hoped to get about $30 for the stuff, at yard-sale rates), then I came away with $36 for the seven hours of my time at the sale plus another hour spent gathering my junk, cleaning it up, tagging it, and hauling it downtown. That’s $4.50 an hour…a far cry from the $60 an hour my time commands on the freelance market.

So, no: in ordinary circumstances, I doubt if yard-saling is worth your time. Financially, I would have been better off to have spent today marketing The Copyeditor’s Desk or writing the proposed CE Desk book. Had I donated my junk to Goodwill, the deduction from my income taxes would have been worth more than my yard-sale proceeds. It was a choice people-watching opportunity, and I enjoyed spending the time with my friend. But beyond that, I don’t see it as a particularly efficient way to generate sidestream income.

Wah! I still don’t know what I want to be when I grow up


So I’m plodding across the freeway and thinking how much I hate wasting 90 minutes to two hours driving back and forth to the campus when it occurs to me that what I really hate is my job.

Oops! Say what? I hate my job? Come ON! Sure, the pay’s not equitable (my new opposite number is coming in at six figures on a 9-month contract, very annoying), but it’s still a decent living and it ain’t cleaning terlets or flipping burgers. The problem is, I am soooo flicking bored!

Writing the index for the current issue of the renaissance and medieval history annual meant having to read all that stuff AGAIN. Once was quite enough. Twice was more than enough. Three times is decidedly not a charm.While a couple of the essays are pretty interesting (relatively speaking), the archival study where the author notes every single sale of every tiny plot of land in the ninth-century Spanish March, with the name of each buyer and seller, was almost as mind-numbing as the excruciatingly detailed analytical comparison of Bromyard’s Tractatus iuris ciuilis et canonici ad moralem materiam applicati with his Summa praedicantium, a lively work when set next to the endless dissection of Milton’s educational theory and practice.

The index took all day Friday, all day Saturday, half of Sunday, and all of Monday and Tuesday to complete. By the time I sent it off to one of the RAs to be edited, at 4:30 Tuesday afternoon, I thought I was gunna die.

Why keep your pay statements, and how

Recently My Dollar Plan told the story of a family member whose employer, in her early years on the job, neglected to withhold her retirement contributions. Fifteen years on, the accounting department noticed. In the discussion that ensued, she offered to contribute the unpaid amount but was told all would be fine, not to worry. Now, after thirty years in the salt mine, she retires, thinking indeed all is fine. But noooo…now they tell her that her retirement fund is not funded adequately to support her in her dotage.

This is big. Not just for the poor soul who’s looking at a lengthy struggle over this and the possibility of an impoverished retirement, but for all of us. The trend to outsource payroll to companies for whom employees are just so many numbers—or, if living entities at all, sheep to be sheared—distances workers from employers who have to look them in the eye. So does the increasing use of electronic systems that function more or less unobserved by human beings. The potential for error is much higher, and the potential for errors never to be noticed grows by the day.

A year or so ago, the Great Desert University turned over its payroll (and just about everything else having to do with sheepherding personnel management) to PeopleSoft. A huge fiasco ensued. Supposedly by the turn of the year everything was straightened out, and on the surface things have appeared to be running smoothly ever since.

Then we had the last round of layoffs. A number of the most recent cannees had worked in maintenance and support jobs for decades.

One benefit of working for Our Great State is that your sick leave hours accrue separately from vacation hours. Over the years, if you’re lucky enough to stay healthy or you come to work when you’re ill, a lot of sick leave hours pile up. After you reach 500 hours, the state will pay you 30 percent of your hourly pay rate as severance pay when you leave employment. Stash 1,000 hours, and that rate jumps to 50 percent of hourly pay. As you can imagine, this adds up nicely. At the moment, for example, if GDU lays me off today, OGS will owe me $16,500.

When the most recent RIFed workers applied to HR for payment reflecting their accrued unused sick leave hours, they were told they had none. PeopleSoft had no record of their sick leave balances. None.

Well. Of course, in the absence of their entire archive of back pay stubs, there’s no way for any of the laid-off workers to prove how much sick leave they earned, how much they had used, and how much remained for the state to pay.

This is why it’s crucial to keep copies of every pay stub or statement you get. If your pay statements are posted online instead of being delivered to you in hard copy, print them out and keep them in a fire-proof file cabinet. You should also be able to copy them to disk as PDFs, a good back-up, especially if you have electronic storage space somewhere other than at your house.

Keep these permanently. Never throw them away.

Not only that, but you should check every paycheck carefully for accuracy and completeness. During the Great PeopleSoft Fiasco, I received eight paychecks whose gross or net income figures were wrong. Twice, PeopleSoft failed to withhold my contribution to my retirement fund, and three times it failed to make GDU’s contribution. When accounting for my vacation hours disappeared, I was informed that—after 15 years of working for this fine institution—I was ineligible for vacation time. When, after weeks of squawking on my part, they decided to fix this, they got the figures wrong time after time after time. They got my sick leave figures wrong, they got my federal withholding wrong. And finally, come January, they got my W-2 wrong, too.

How do I know? Because when I realized what a mess they were making of things, I started keeping track of each item on my paycheck in an Excel spreadsheet:121008payrollerrorsThese figures, of which you see only a small part, came in mighty handy every time I had to send yet another written complaint to HR and to the Dean’s office over the mess PeopleSoft was making of my pay.

I knew the W-2 was wrong and that the error was in my favor, but not being an accountant, I couldn’t prove it and had no idea how to identify the errors. On the advice of my lawyer, I decided to let it go; it’s the employer’s responsibility to get the tax withholding right, and I was assured that I would have no liability if an IRS audit (which GDU and PeopleSoft richly deserved) showed irregularities in the W-2.

But…the discovery that the university was blithely distributing W-2’s that PeopleSoft knew to be in error (we actually were told this, and told we should calculate the correct figures ourselves!) led me to realize I’d better do more in Quicken than just enter my net pay. Starting on January 1, I began to enter a split entry for each paycheck, showing the gross payment less each deduction:121008splitentry

This, of course, is a gigantic pain in the buns that adds extra work time to my bookkeeping. However, I suspect it will be worth it.

For one thing, I discovered another error in a paycheck, which PeopleSoft never could account for. And for another, my annual Quicken category report will print out totals for each of the items shown in the split entry, making it easy for my tax lawyer to compare the actual income, deduction, and withholding figures with whatever appears on next January’s W-2.

Those are short-term issues. But the long-term issues could add up to something much more significant.

If Dollar Plan’s relative and GDU’s RIFed workers had kept records like these, they’d have a potent weapon in their fight with their employers. That would make it well worth the extra time and effort it takes to review your paycheck carefully and keep a running record of everything that has to do with it.

Moments of Fame

Dough Roller selected Funny’s rant about the couples culture as an editor’s pick in the 88th Carnival of Money Stories! So I certainly was tickled about that, particularly since quite a few distinguished pieces appear in this edition. A propos of an earlier FaM post question about whether you should try to turn something you love into a living, The Financial Blogger reflects on the success he’s had with blogging. At Budgets Are Sexy, I got a boot out of J. Money’s story of having taken out a whole paycheck in cash. My Dollar Plan tells a cautionary tale that underscores the importance of keeping records related to your pay and your job. Single Guy Money tells a story of helping a friend organize her personal finances, an experience some of us share.

The Carnival of Personal Finance is up at Free from Broke. The “turning what you love” post was included in this round-up, which as usual is huge. At this carnival, The Strump pushed my button with a report on how she got suckered into taking a contract at significantly less than the client’s going rate…been there, too! Everyday Finance predicts that many of us mutual fund holders will be rudely surprised at the capital gains taxes we’ll be paying for 2008, thanks to the current economic fiasco. LOL! I’ve become rude, all right, but I’m no longer surprised at anything emanating from the Bush economy. Mighty Bargain Hunter worries that the bailouts will ultimately harm everyone’s standard of living; this post offers several good points that add to my own slowly germinating theory that Big Auto, alas, should not be rescued by the taxpayer.

Moving on, Simply Forties has posted the 93rd Make It from Scratch Carnival, always a boot. Whaa? “How to Make a Horseshoe?” Check it out at Midwest Neurotica! Who’d’ve thunk it? The proprietor of Frugal Antics of a Harried Homemaker had an end-of-season tomato extravaganza that involved a lovely spaghetti sauce. And don’t miss Simply’s amazingly delicious-looking parmesan and herb-crusted beef tenderloin (ohhh hunger! I shouldn’t be reading this stuff before breakfast…). Funny’s blurb on nabbing nice picture frames on the cheap appears in this round-up.

MSN Smart Spendingpicked up my discussion of long-term care insurance and is running it as a guest post today. Check out proprietor Karen Datko’s article, posted yesterday, about the long-term implications of the mentality instilled by the need for kids to go deep into debt to get a basic college degree.

At Financial Wellness Project, FWP has posted another gigantic Money Hacks Carnival. Check out Dividends4Life’s rumination on when (or if) the market will bottom out. Mr. ToughMoneyLove warns about cash-out refinancing deals; at DepositAccounts.com you’ll find seven steps to reduce the hassle when you have to (or just want to) change checking accounts. And Prime Time Money’s post about FreeShipping.org shows up here—I’ve seen this post before, & it’s a very handy thing to know about.