Coffee heat rising

Budget off the Rails

Yuck!

Okay, I admit it: I have neglected the budget. Yea verily, I have lost the art of penny-pinching.

Result: I’m running out of money, two months before the start of my next “personal fiscal year,” which starts in September. In 2017, that’s when I took the last Required Minimum Drawdown from the 401K, which was supposed to last a year.

Didn’t.

So next year I have to figure out how to live on 21 grand plus a pittance from Social Security. Since running this house and feeding me and the dogs consume about 2 grand a month, that’s a challenge.

Just now I’m as close to broke as I can get, budget-wise, considering that I have enough cash in the bank to cover about six weeks of expenses, and it’s eight weeks before the start of September.

The other day I mentioned the “envelope method” plan I’d cooked up: fill a Costco cash card with a budgeted amount to spend there during a month, and when it runs out, stop buying. This makes some sense, though nothing is to stop me from streaking out of the Costco over to the nearest Safeway and filling out the shopping list…probably at more expense than just buying everything at whatever CC would cost. Hmmm….

Whilst staring blankly at an unfriendly spreadsheet, a little INSIGHT dawned… Don’t budget by the month. Budget by the year. And instead of using cash cards as “envelopes,” use bank accounts. I already have a checking account, which juggles cash flow; an emergency savings account (containing $4.61); and an account to hold payments from Medigap and Medicare B, preparatory to forwarding that money to the Mayo.

[The Mayo does not “take Medicare assignment.” This is a bureaucratic way of saying they don’t accept direct deposit from Medicare or your Medigap insurer. So, every goddamn time you go to the doctor or an ER or whatEVER, you have to field a blitz of ditzy little annoying checks, deposit them in your bank account, and then pay the Mayo. Right now one has been sitting on my desk for awhile, waiting for me to get around to the hassle of scanning and uploading it: $24.17. The Mayo’s outstanding bill is several hundred dollars… It is, in a word or two, a fuckin’ nuisance.]

Where were we? Yes, staring blankly, dreaming up a fresh scheme…

A little calculation showed that if I were to get a freaking grip on spending, in theory this year’s drawdown should just about cover 2018/19 expenditures, if nothing happens. By “nothing,” we mean no major car repair bills, no appliances having to be replaced, no giant vet bills, no dental work…a very big “nothing,” indeed. But let’s pretend a person could get through 12 months without having to confront any of those.

Right.

What if I kept the drawdown that just hit my checking account in my checking account, but did not keep Social Security income in checking? What if I auto-transferred each Social Security deposit over to the Emergency Savings account…. Said E.S. account is empty just now, putting me at considerable risk of future misery. Twelve hundred a month would, in theory, load that account with some 14 grand over the next year, allowing me not to have to spend crazily to keep up with routine month-to-month costs.

And instead of keeping the entire drawdown in checking, what if I transferred the $8,408 a year demanded by taxes and insurance (!!!!!!) over to the present tax & insurance savings account, now empty because the 2018 T&I bills have all been paid. What if?

What would then remain in checking would be the amount I could spend on living expenses. This would be much truncated by setting all the net Social Security income aside for emergencies. But since I now have approximately $0.00 set aside in emergency savings, the truncation would be very much worth it. And, according to my English-major calculations, if I could cut the Costco bills down from $300 a month to $200 a month, this scheme would be eminently do-able.

Why do I think it would work?

Because the AMEX billing cycle closed yesterday. I charge everything on American Express, mostly including Costco but also racking up bills at various grocery stores and other retailers. This month the tab was only $775. Basically, an AMEX bill reflects all living expenses except utilities, taxes, and insurance.

It’s usually more like $1200. That means I spent some $425 less this month than I usually do.

Well, if I can spend $425 less than normal in June, I can do it all the time, no?

Yeah: probably “no.” But what’s to stop one from trying?

So the money from Fidelity hit the credit union this morning. Here’s what we now have:

$16,644 to live on for the next year (stashed in checking)
$8,408 for taxes & insurance (stashed in T&I savings)
$14,532 incoming from Social Security over the next 12 months (routed to Emergency savings)

So even though Social security will bring the year’s total cash available to something over 31 grand, the plan is to try to live on just $16,644.

That works out to $1,387 a month. So far in the current year, the one that is driving me to the metaphorical poorhouse, I’ve spent an average of $1,750 a month, a difference of $363.

So to live on this proposed new budget, I’ll have to cut spending by about $365 a month.

However, a backup fund will be growing at the rate of about $1200+ a month. If need be, I can draw down from Emergency Savings to make up the difference. So even if I regularly went over budget by some $363 every month, the red ink would only amount to about $4355. That would still leave something like 10 grand in Emergency Savings at the end of a year.

How to cut $363 a month out of normal spending?

Well, obviously:

Don’t go to dentists.
Don’t go to vets.
Don’t drive the car any more than absolutely necessary (so as not to run up repair bills).
Don’t buy clothes.
Don’t buy shoes.
Don’t go out to eat.
Don’t go to shows or movies or musical events.
Cling to every goddamn red penny.

It’s going to be a mighty dull year, I’m afraid. But I can’t be running out of cash two months before the end of every 12-month cycle. Something has to be done to get caught up with the spending

Ouch! Ugh! and Whew!!!

Whew! It’s hotter’n’a three-dollar cookstove. The air conditioning just ran through what it defines as a cooling cycle and shut off. Still frying in here. Need to go out and fall in the pool again.

Ugh! Reports have it that Apple is going, oh (grumpily) hallelujah, to replace our fine defective goddamn keyboards, for freaking FREE!

So. I guess Monday I will have to traipse over to the Biltmore and hand this thing across the counter, there to have it gone for several days, probably the better part of a week. How can I express my annoyance?

Okay, okay, OKAYYYY you’re right! How can anyone complain when a company wants to make one of its fiascos right all by its little self, not being forced to do so by the federal government?

All very nice, I’m sure. But for what this thing cost, shouldn’t we get a keyboard that…well…you know…works? From the git-go?

Having to attach a Microsoft(!) external keyboard is the least of the annoyances. Yesterday this fine expensive little beast experienced not one, not two, but three system crashes. Plus FireFox crashed, apparently overloaded by having too many tabs open. (Is that even possible?)

These crashes occurred while I was working on the Drugging of America book, sweating over a chapter that has, to give you a clue to its complexity, 83 endnotes. Woulda thought I was gonna die, thank you very much, without the damn computer stumbling around all evening long.

So it was 11 p.m. by the time I wrestled that mess into a corner and then posted Friday’s chapter of The Complete Writer.

And finally, ouch! Now we have some direct evidence that stress makes me clench and grind my teeth at night.

Stopped wearing the mouth guard after the burning mouth episode, which hurt quite a lot and took a good three weeks to clear up fully.

Apparently this was ill-advised. Woke at 5 a.m., sat up, and…YOOOWWWWW!!!!!

Worst pain I’ve EVER felt!

It felt like somehow I must have dislocated my jaw.

In my sleep??? HOW???

Whatever…it was just excruciating, and I thought I was going to have to go to the emergency room…A-fuckinGAIN!

Managed to stagger in to the bathroom, heat up a wet washcloth, and apply. Still couldn’t close my mouth, but did contrive to get online and find, at the TMJ site, the advice that less is more. They’d posted a little physical therapy exercise that supposedly would help this phenomenon.

Couldn’t get any worse. So tried it out, and damned if it didn’t help.

These things always, invariably happen to me on the weekends. So calling the dentist was off the table. Oh well.

By 9 a.m. it had calmed down enough to be more or less tolerable. Resuscitated the mouth guard and left it in all day. That also seemed to help. I guess.

What fun.

Unable to chew anything…luckily a very ripe (and delicious!) watermelon was sitting on the kitchen counter. So that was a lot like eating sherbet. But less fattening.

This afternoon it was off to the nearby Sprouts in Crime Central to pick up a cucumber. Developed a craving for xergis, a cold soup perfect for a day like this. And it doesn’t have to be chewed. 😉

Sprouts has a security guard looming at the front door these days. That’s good. I guess. Yeah. I live in a neighborhood where the local grocery store has to post guards to keep its customers from being brained or running off in terror. Ducky.

You’d think Sprouts would have a decent cuke, wouldn’t you?

Not so much.

You had your choice:

Organic…  Armenian-type, wrapped in plastic but wimpy, no longer than a regular old-fashioned cuke, but thinner. Looked pretty puny under the plastic wrap: dented, scratched, verging on wilted.

Inorganic… Encased in wax.

The inorganic cukes were a buck apiece, but a) I hate that wax stuff and b) by the time you peeled off the contaminated skin, not so much would be left. The sickly-looking organic cukes were two bucks apiece(!!!!!).

Wave good-bye to the security guard…jump in the car…head down to AJs.

There the Armenian-style cucumbers also were $2 apiece — but you’d expect to pay that in the Jewel of Richistan. AJ’s is Arizona’s answer to Whole Foods, only it costs more.

Food’s better, too.

While there, picked up a package of overpriced dog food, obviating the need to drive out again on Monday, when the hounds will run out of the batch they’ve got in the fridge. So that was good.

At any rate, I’m pretty sure this jaw/TMJ thing is a direct result of sitting in front of the damn computer tearing my hair until 11 p.m. and then falling straightaway into the sack. It confirms the dentist’s suspicion: stress. And it explains where the stress comes from.

Working on a computer is a constant exercise in low-grade stress, punctuated by moments of frustration, rage, and despair. Last night’s Triple Crown crash-fest was more extreme than usual…but the fact of the matter is that a computer is a box filled with endless aggravation.

That notwithstanding, today I finished another chapter. It’s rather slight — only about 1670 words. But I decided it would be good to insert the “How to Read a Scientific Paper” squib closer to the front than originally planned. Follow that with the NNT chapter, which will require a degree of science-buff sophistication from the reader.

In theory, with chapter 2 I now have enough to put the proposal together and start sending it out. But I think I’d rather have a more solid chapter to include in the proposal, and the NNT rant is it. It will take two or three days to write that, I expect, using the original blog post as the bare-bones draft.

Really, the relevant posts are functioning like preliminary outlines. This stuff grows like algae on the side of the pool. And of course every word of the content has to be rewritten to sound like something a university press would care to publish… Bloggish doesn’t make it.

It’s 7 p.m., I haven’t finished the current chapter of Ella’s Story, which needs to go live on Monday. And I’m too tired to function. To reiterate:

Ouch! Ugh! and Whew!

 

Fighting Uphill through Dystopia

Wow! This has been One of Those Days. Ever have a day where you felt like every  moment you were fighting uphill…against yourself? 😀

So for the fourth night in a row, I wake up at 2 in the morning and don’t get back to sleep. Along about dawn, I give up and roll out of the sack.

Normally at 5 a.m. I’d take the dogs for a mile-long walk: good for them, good for me. After yet another five-hour night, though, instead I wandered in to the computer to glance at the news. Then drifted over to the chapter I’m writing, which has been going exceptionally well. I’ve been working toward finishing a particularly difficult section of the thing…and when I sat down, got pulled into that.

Come 7:30 a.m., that section was written — we’re now at 62 endnotes, just for that one chapter. (This stuff is astonishing! What has been and still is going on boggles the brain.)

By now it’s getting a bit late for a doggy-walk, but thanks to Hurricane Bud’s outer fringe breezing through a couple days ago, by 7:30 it’s not yet unduly hot. So I decide to shoot out the door, despite the late hour, because the other day we failed to go out and I need not to get back into the no-walk habit.

Foolishly, though, I elect to take the route south from the Funny Farm, which is less shaded than the path through Upper Richistan. This: mistake.

Southward from here is Cassie’s favorite place to take a dump. I do not understand what it is about this particular house, but by damn, Cassie wants more than anything on this earth to dump upon its lawn. Specifically, to take up her position in front of the shack’s huge picture windows so the resident can watch her defiling the yard.

Naturally, I carry blue doggy-bags around with me. But really: every goddam day this dog has to dump on THAT lawn? If I were the homeowner, I’d be irked.

So to minimize the effect, I walk them past the house on the other side of the street and then go south on the sidewalk that passes along the side of the house. That way, when she hunkers down she at least isn’t making a spectacle of herself (and us) through the front-facing windows.

This takes us over a long stretch of fast-heating concrete and asphalt. Meanwhile, Cassie is putting up a fight: she drags  backward while Ruby drags forward. And at this moment, as we’re crossing the street, she decides to sit down in the middle of the goddamn road anbd not budge.

Here we have the flavor of the day: drag me forward, drag me backward.

Finally I cut short the stroll, leave the dogs at the house, and go out to finish the mile-long course.  By the time I get back, it’s starting to get hot.

A-a-a-n-d I haven’t watered the plants in back. In Arizona heat, you either water your potted plants or you watch your plants die. Fly outside to do that job and see the pool walls are draped with moss. Again. Mustard algae: it was cleaned up pretty well yesterday, and now here it is back again.

Feed the dogs. Fly back outside.

Screw on the pressure sprayer, jump in the drink, wash down the steps and seat and walls and walls and walls and walls and walls… Dump in more chlorine.

Notice that I must have slopped olive-oil marinade on the patio while I was entertaining friends Sunday evening. Spray the spots on the concrete and sandstone flags with diluted Dawn, let it sit.

Visit my neighbor, WonderAccountant, to gift her and Mr. WonderAccountant with the remaining half-bottle of wine from the recent shindig. It’s my favorite wine. I, however, am on the wagon and do not want this elixir to be wasted, so figured they might enjoy it. Hang out for awhile, chatting pleasantly.

After the series of sleepless nights, I decide to go back to bed for a short nap. Amazingly, it works: I’m out cold and even enjoying a dream. A fairly involved dream, complete with developed plot and characters…and of course the phone rings:

Hellooo, this is Rachel from Card Services…

Fuck!

Onward to spend the rest of the afternoon cleaning and oiling the kitchen cabinets. Fun job… 😮 But the result is pretty nice.

And speaking of Fuck…

If you are not listening to Rachel Maddow on what that bastard in the White House is doing to the children he has stolen from their parents, you sure as fuck should be. Get it on the Internet: google Rachel Maddow. Or better yet, go straight to the horse’s mouth: Pro Publica: https://www.propublica.org/article/children-separated-from-parents-border-patrol-cbp-trump-immigration-policy

This is simply inexcusable. We put a wannabe Balkan dictator in the White House, funded by multibillionaires who want to change America to fit their perverse tastes, and what we get is a country converted into a wannabe Balkan dictatorship.

If there breathes an American who does not feel shame for this, then that person is not much of an American.

Or maybe we should say this is not America. We have lost our country.

The Ah Hah! Moment: Claritin and Liver Toxicity

Ever have one of those moments when you wake out of a sound sleep thinking, “Ah Hah! Why didn’t I think of that before?” This morning I enjoyed just such a moment, when along about 4:30 I woke up with one single, crisp thought in mind: I wonder if there’s a connection between all that Claritin I’ve been taking and the elevated liver enzymes?

An hour later, I stumble out of the sack, let the dogs out, trot into the office, turn on the computer, and run a little search: loratidine and liver. And hallelujah, brothers and sisters…wouldn’cha know it?

Loratadine and desloratadine use are associated with a low rate of liver enzyme elevations which are usually asymptomatic, mild and self-limited even without modification of the dose.  In addition, rare instances of clinically apparent liver injury attributed to loratadine and desloratadine use have been reported as isolated case reports….

The mild and asymptomatic elevations in serum aminotransferase that have been observed during loratadine and desloratadine therapy are usually transient and may resolve even without dose modification.  Clinically apparent liver injury due to these second generation antihistamines, however, generally calls for prompt withdrawal of the agent.  Severe injury is uncommon and most cases resolve promptly upon withdrawal. 

Thus saith the National Institutes of Health, hardly a source of woo-woo.

Well…Helle’s Belles. You may recall that the doc at the Mayo decided it would be safe for me to double the normal dose of loratadine for a short time and then continue taking the recommended dosage. We soon discovered that emptying my head of allergic stuffiness caused the light-headedness and heart palpitations to disappear. Completely. Gone. That is even though tachycardia and palpitations are among the drug’s common side effects. Unscientifically, we concluded that the presyncope-like phenomenon likely was affected or even caused by inner-ear congestion. So, we calculated, it would be good to keep on taking the stuff.

Which I’ve done. I did stop taking two a day, at least on a regular basis. But some days I forget whether I’ve dropped one in the morning and so will take one — very probably another one — before bed. And sometimes when the wind has been whipping up the allergens, I’ll take two during the course of a day just to fend off the usual miseries.

Hm. So brought on a new misery. How interesting.

Y’know…if a drug has a rare, weird side effect that appears in 1 in 10,000 people, I am invariably No. 10,000. It never, ever fails.

Given this discovery — why didn’t I think of it before??? — now I feel a lot less neurotic about passing on the liver scan until after the next blood test. God help us.

Plus ça change?

The ongoing flap here in the ‘hood over the growing homeless problem…ugh! How tired am I of hearing about it? Let me count the ways.

Residents here are rightfully annoyed at the encroachment of panhandlers, drug abusers, and petty thieves into one of the last marginally affordable centrally located middle-class neighborhoods. Yet an awful lot of yelling goes on, but not much gets done. The city, meanwhile, is deliberately pushing its hordes of derelicts our way, transporting them up here on the boondoggle lightrail, dumping them at the corner of Gangbanger’s Way and Conduit of Blight, and kindly providing them with a meth clinic. The loitering, filth, and scrounging around said clinic are ignored by our City Parents. As always, they appear to be more taken by the interests of moneyed, profit-seeking developers than by those of the people who live here.

Indeed, one tires. And one wonders: would it not be better to move out of this place than to risk riding it down the drain?

I find myself in, seemingly, the very same position the ex- and I fled some 35 years ago. At the time, we lived in the historic central Encanto district, in a small area now known as Willo. About 15 years earlier, we’d bought a truly beautiful house, stumbling upon it when the area was in the earliest stages of the first wave of gentrification to hit this city.

We paid $33,000 for that house. Three months after we moved in, a Realtor showed up at the front door and offered me, on the spot, $100,000 for it.

I turned him down.

We lived there for a decade and a half. I loved the house and the neighborhood and the Yuppiness of it all.

Living there was an adventure. Just like the ‘Hood, the upscale Palmcroft and the aspiring Willo areas were bordered by blight. At one point, our zip code had the highest per-capita rate of drug use in the city. Some sort of “event” was always in progress — burglaries and car chases and crashes and thisses and thattas. Shortly after we moved in, we had the Cat Burglar on the Roof. Some guy had broken into a house down the street, been surprised in the act, run up the alley, dodged into our yard, and seen the ladder still standing against the side of our house, climbed to the roof, and pulled the ladder up after him. The cops woke us, searching the yard for him. They demanded to come in and search the house, explaining that this guy’s MO was to burgle a home in such a way as to wake the homeowner, then run down to a nearby home, break in, and rape the woman he’d identified earlier as a target. At three in the morning, neither of us thought to mention the ladder…

It was an old wooden ladder that had been sitting outside in the weather, probably for decades. And it was partly rotted. DXH had used it to climb up on the roof and try to turn on the heater, but, unable to see how, had left it there for future reference. The cops didn’t see it, because it was up on top of the roof, along with the perp.

Couple hours later, after the dust had settled, the guy slid the ladder down, started to climb off the roof, and … WAM! A step broke under his weight and he went whap whap whap down to the ground.

{chortle!}

So it went: this, as it developed, was far from a lone occurrence.

Acquiring an intelligent German shepherd went a long way toward making us feel safer (this was the dog who chased off the cat burglar who entered the house at three o’clock of another morning…the cat burglar who presumably is still running).

City leadership was doing the same damn thing then that they’re doing now: by way of urban redevelopment, they were tearing down the SROs and downtown environments where hordes of drug-addicted (and, to a larger extent in those days, alcoholic) derelicts lived. When these sorry souls were turned out of their territory, they moved into our neighborhood.

We had many more alarming guests in Encanto than we do up here, at least so far. Literally, you could not stick your head out the front door without seeing a bum stumbling up the street. They slept and defecated in our yards, and if you left your car unlocked, they’d climb into the back seat and use that as their bedroom. You could not leave anything, not so much as potted plant, outside — if you did, it would be stolen in a matter of days.

We young upwardly mobile types coped with this stuff because we loved our neighborhood, we loved our antique homes, and we loved the community. As a community, we did battle against the city and we did, at least, block the bastards from building an elevated freeway through the heart of the historic district.

But after our child was born, my husband and I began to think differently. Not only could he not attend the local public school because he didn’t know how to use a knife or a club — one public-minded couple insisted on putting their little boy in that school, where after a full year he came out unable to read at all — but we could not let him play outside. It was unsafe to do so.

There was one other little boy on the block — we carpooled to the Montessori preschool with that family. The boys were not allowed to play outdoors unless I or our neighbors’ housekeeper stood outside and guarded them at all times.

Well. Y’know, that’s not the way I grew up. When I was a little kid, we went outside and played until someone’s mom hollered out the back door that it was dinnertime. I did not believe in 1980 and do not believe now that a boy child should have his mother hanging over his shoulder every living breathing minute.

And there was a safety issue. We had experienced several colorful events, as did many people in the area. One family a half-block from our house was baking cookies while watching TV. The mother would get up from the sofa, walk into the kitchen, pull the cookie sheet out of the oven, reload it, stick it back into the oven for 15 minutes, and go back to her show. She was being watched: one of the local bums noticed this activity and also noticed she’d set her purse on the kitchen counter. When she walked out of the kitchen, he stepped into the house, grabbed her purse, and strolled off with it. Then there was the elderly woman at the end of our street, who came home from the beauty parlor one afternoon and encountered a prowler in her house; he grabbed an ax out of her garage and hacked her to death with it.

So we moved up to North Central. It was closer to the school that my husband wanted our son to attend — and in fact it was in the city’s one halfway decent public school district, so as a practical matter we could have avoided spending a king’s ransom to put him through private school. We didn’t, but at least it was a possibility. And the kid and his friends could play outdoors all by themselves. There wasn’t a bum as far as you could see.

Not so anymore.

Of course, our homeless problem has ballooned, all across the society. Part of the reason is the ballooning drug problem: we have many more people addicted to drugs than ever before. And the other large part of it was the ill-advised policy decision to shut down mental hospitals and throw people who can’t care for themselves out onto the street. This at least doubled the number of people living on the streets…and no one seems to give a damn. The white folks all move outward and outward and ever outward, and the folks left behind lack the political and economic clout to fight back.

After I divorced, I bought a house in the vicinity, so as not to be very far from my kid. And also because North Central is my stomping ground and I had no desire to take up a new life somewhere else.

Hereabouts, the neighbors squall nonstop about the vagrant drug-addicted pilfering derelicts who ride the lightrail to our area, spend the day loitering about, and then camp in the alleys and the park behind the local grade school. They do steal. They do make a mess with defecating and dumping garbage around the neighborhood. They are creepy. And one of them did jump a fence into a family’s yard, where a mother found him molesting her two small daughters. They are, in a word, threatening.

And yet…

And yet the problem is nothing like what it was in Encanto. Not yet, anyhow.

Most of the bums loiter around the periphery of the neighborhood, along the main drags and in the local businesses’ parking lots. While this makes the local markets unpleasant to use — or, for women alone, basically unusable because the parking lots do not feel safe — they don’t inhabit the neighborhood streets and yards. As long as you’re a distance from a major thoroughfare, you rarely see a discomfiting character right at your house. Because our park has no water fountain or toilet, they don’t take up residence there, at least not for any length of time. They do show up in the alleys occasionally…but that is more common the closer you are to a main drag.

This is true of the ‘Hood per se. But some of the surrounding neighborhoods do have an invasion: they hang out in people’s yards, take over vacant dwellings, try to get in residents’ doors, steal any bicycle that’s left outside (even in a fenced yard), build encampments in abandoned commercial properties, harass the residents, and generally make conspicuous nuisances of themselves. Just exactly as they did in Encanto.

The fact that this state of affairs hasn’t taken hold in the central area of the ‘Hood doesn’t mean it’s not going to happen. Probably it’s just a matter of time.

So…the question is: should I move?

I’m not getting younger. Within a few years, I won’t be in any physical condition to move. If I’m gonna get out of here, I’ll need to do it pretty soon. And if things get worse…we’ve already had a child molester jump a back wall. What’s next? Another ax murderer?

On the other hand: I don’t WANT to move. I love my house. I love my yard. I love the neighbors…that is, I feel the same now about my home and neighbors as I did when we lived in Encanto. And believe me: I did not want to move then and I never much cared for the ugly house or the snooty neighborhood we moved into.

So here we are…Encanto Redux.

And it has to be said: Encanto did not suffer all that much from the bum hordes. It’s now one of the most expensive districts in the city. Housing prices there are absurdly inflated.

It’s not outside the realm of possibility that the same could happen here.

Or…the area could turn, and we could all lose our shirts in the local real estate scene.

And where would I go that I can afford? My house is paid off, I’m living on peanuts, and I cannot afford a mortgage. The choices in the Phoenix area are the far east side (vast tracts of dreary Southern-California-style ticky-tacky suburbs), Scottsdale (prices out of the question, and it far out-snoots North Central), Fountain Hills (halfway to Payson…way too far out), Sun City (ugh!). That’s about it.

In search of the keyboard and some minutes for my burner phone, I went up to a shopping center in a northside suburb along Happy Valley Road, where there’s a Walmart that is radically middle class, situated in a shopping center that has every other store you might need in a parking lot that does not make you feel you need to pack heat to walk from the car to the store entrance. It’s a newer area — again, acre on acre on endlessly bladed acre of stucco houses jammed elbow-to-elbow on postage-stamp lots and…it is a vast field of white lilies.

Seriously.

After living in a multicultural neighborhood for so long, that place gives me the whim-whams. I spent a good two hours in that huge shopping center and did not see ONE person of color. It was a freaking field of lilies! Not even the check-out clerks or the restaurant servers were given to the duskier persuasion. Every. Single. Soul. in that place was freaking dead-white!

Between you’n’me, I find that downright creepy. I do not want to live where everybody looks just like me. I like living where a lot of different kinds of people (excepting maybe drug addicted bums?) live together and shop together and play together. Sameness is not what city living is about.

Maybe the bums are just part of life in the big city.

 

Trash Scavengers: What Could Go Wrong?

Trigger warning: This post contains an amazingly gross scheme that is not for the tender of tummy. 😉

As I’ve remarked, because my neighborhood has a problem with identity thieves and transients sifting through the trash, normally I would not throw out anything that has a bank account number on it, or a credit card number, a Social Security number…that kind of thing. But even without those items of information, someone who is raiding your trash for data to sell to identity thieves can still unearth stuff that can do you a lot of damage. In the identity-theft department, plain old junk mail can present some serious threats.

For example:

  • Any solicitation or notice that comes in from AARP signals that you’re a senior citizen and therefore a particularly vulnerable species of pigeon.
  • Notices from Medicare, your Medigap insurance, and Social Security: same issue.
  • Pre-approved credit card solicitations: All the thief has to do is change the address, and voilà! He’s got a new card in your name.
  • Periodicals. These tell an aspiring thief what your interests are and hint at how affluent you are. All those weekly Economist magazines, for example…maybe you’d just as soon not have your name and address on their labels. A copy of American Hunter tells an alert burglar you’re a member of the NRA, which means you have at least one firearm in the house…and how convenient: there’s your address!
  • Catalogs. They reveal just how expensive (or cheap) your taste is and where you shop. They also contain a bar code that can reveal vulnerable information about you.
  • Anything you throw out unopened because it’s stamped “Standard Mail” instead of “First Class Mail.” Cox (among others) inundates me with “special offers,” always delivered by junk mail. Trash digger finds one of those, bingo! He knows the house is served by Cox, not by CenturyLink.
  • Renewal notices. Costco just sent a notice for renewal. And yes, it does have my account number on it.
  • Business announcements. Fidelity sends libraries-full of prospecti for the many companies my money managers invest in. I don’t read them, because I don’t have that much time left in my life. Neither do I shred them — these things are fat, saddle-stitched booklets: just one of them would jam the shredder. A guy who understands what he’s looking at can parse out where my savings are invested.
  • Insurance company solicitations. Bar code: personal information.
  • Reminders to re-up your membership in a political party. Your political leaning is none of some thief’s business.
  • Requests for donations. Ditto your charitable inclinations.
  • Paychecks, checks for reimbursement or for freelance gigs, wage & earnings statements, tax returns and statements, bank statements, credit-card statements, medical bills, insurance bills, insurance claims and information, and random ID documents. These are usually sent by first-class mail and so are easy to differentiate from junk mail. Still: because they’re juicy pickings for identity thieves, they should never land in an unlocked mailbox. In fact, they probably should never come to your mailbox at all, locked or not. Payments to you should be made electronically — either direct-deposited to your bank account or sent through PayPal. As for those other obvious targets: get yourself a hefty steel locking mailbox. Intercept these documents at the mailbox, file them as need be, and shred them before discarding.

To shred all of the piles of junkmail the postperson delivers six days a week would soon add up to hours of wasted time. I do not want to spend any of my time tearing open envelopes and feeding their contents, a page or two at a time, through my shredder. Burning them in the fireplace is illegal, and it leaves a big mess to clean up.

Registering with the Opt-Out list to waylay prescreened credit card offers is about as futile as signing up for the National Do Not Call list. Both of these sops for angry citizens are simply ignored by mail and telephone solicitors. Signing up for do-not-send lists just wastes still more of your time.

So…is there an easier way to deal with the stacks of junk mail?

Sure, if you have a pet dog or cat.

Here’s the strategy:

Get yourself a tall kitchen trash can that has a step-on lid. This, you will use only for junk mail…and for one other kind of debris. Line the trash can with a sturdy plastic drawstring garbage bag.

Every time you visit the mailbox, drop the junk mail directly into the lined trash can, unopened.

Every time you clean the kitty turds out of the cat box, toss them in on top of the day’s layer of junk mail. Every time you pick up the dog mounds out of the yard, toss them in on top of the junk mail. When you change the cat box, pour the used cat litter over the accrued cargo of junk mail.

Keep this stash outside in the yard, since it’s likely to get a bit odoriferous before it’s time to haul the garbage out.

When the time does come, though, pour a cup or two of plain tap water over the combined mail and animal excreta. Tie the bag shut with the drawstring right before you toss it out. Over the course of a few hours in the city’s garbage bin, this will convert a yucky mess into a truly revolting mess.

And that will be your gift to your data-hunting garbage scavenger. He won’t have to break into more than one of those bags of layer cake to decide to pass on your trash.