Coffee heat rising

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.

 

 

Crazy-making day…

editingmessIt’s 12:30 in the freaking afternoon and my wheels are still spinning.

I’d planned not to go to this morning’s meeting of the Scottsdale Bidness Association. It’s a long drive under the best of circumstances, and today it’s raining. Meanwhile, as usual in my drought-and-flood business model, the flood pours in right at Christmastime, the only time of year when I have a lot of social activities that (for a change) keep me busy. These are social activities that I do not want to give up, most certainly not in favor of plodding through eye-glazing academic ponderosity, much of it infested with cant.

So I slept in until 7:30. Then sat down briefly (heh…) to read the email while waiting for the coffee to brew.

At 11:30 I got up to throw out the forgotten coffee, now stone-cold, and bolt down a piece of cheese and a few grapes. While the new coffee brewed, tossed the dogs’ bed throw into the dryer to shake out the fur, loaded the Swiffer with a Costco microfiber rag, dustmopped the floors to pick up another couple days’ worth of dog hair and dust.

Awhile back, I assigned myself the project of machine-shaking out the dog throw and dust-mopping the floors every morning, having discovered that this easy, almost work-free routine keeps the floors clean and holds off the allergies handsomely.

In the process, the puppy got trapped in the garage. Neither dog will bark to be let out of the garage. They just stand there at the door, apparently figuring their mental telepathy will reach you.

In the “brief” interval between 7:30 and 11:30, what was I doing that I missed breakfast and missed even so much as a swig of hot coffee?

Reviewed The Kid’s herculean effort to untangle the worst excuse for an academic paper I’ve seen this side of freshman comp. She has spent hours on this thing (as I have), and this morning she finally threw up her hands. The anthology’s editor — our client — is going to have to send the magnum opus back to the author for a rewrite. What an UNGODLY mess.

But of course, the process of a) CYA and b) explaining to the client what the problem is takes God only knows how long. A long, long time.

The Kid has fired our formatting lady, for reasons that explain why one of our journal’s co-editors had a kitten over the documentation for an entire issue’s worth of scholarly papers. So now we have to hire someone to take up that slack, and damned fast because we’re both about to drown under the deluge of Incoming.

A new Chinese scientist wants his paper Englished. Haven’t even had time to answer his query. That’s next.

I’ve drafted a couple of skills tests for APA, Chicago notes-&-bibliography, and Chicago author-date styles, but it must be said that because it’s been 15 years since I had to actually teach these methods in the classroom, I don’t have an existing set of quizzes or anything I can plagiarize for the purpose. So this morning after trying to figure out the tangle and then trying to explain it to the client, after updating our copy-flow records, after going back & forth with The Kid, after cleaning out the DropBox folders, after… after… after…, I return to the task of trying to make some sense of the skills-testing project.

Along the way I realize about half of these papers are formatted in Wyrd’s newer default — one-inch margins all the way around — rather than with the old default margins — one inch top and bottom, 1.25 inch left and right. Our page rates are predicated on the old default. Is there SOME REASON Microsoft has to fuck with EVERYTHING?????????

That extra quarter-inch reduces the length of a typical 35- to 40-page paper by three to five pages. So we are getting cheated when we base our fees on the length of a page that has Microsoft’s new margins. That means either we have to raise our rates — which, believe me, will not bring us any new work — or about every second or third page has to be reformatted. And I need a tracking table for that task, showing the number of pages per paper with 1.25-inch margins, the number of pages we’ve edited in total, the number of words per paper and in toto and goddamn it. Talk about your fucking pointless time sucks. Why? Because some moron at Microsoft decides it’s fun to mess with the customers’ heads.

The skies darken with my mood.

At length the clouds split open and a freaking waterfall cascades down into the backyard. A lake rises toward the back door.

It doesn’t get high enough to over-run the concrete threshold — the house’s slab rises four, maybe five inches above grade. Thank God. If the foundation had been any lower, I would’ve had water in the house.

The water has now receded — it’s 2:00 in the afternoon, this writing having been interrupted by a lengthy telephone conversation with another client.

In any event, the good thing is…the good thing is…is…there’s GOTTA be a good thing here somewhere, doesn’t there? The GOOD thing is I’m sure as hell glad I didn’t drive to Scottsdale in this rain. Phoenix’s drivers are homicidal under the best of conditions. In the rain, they’re confused homicidal drivers.

And now…I have to get some work done.

 

How to unlock a Toyota…and other small miseries

sickdogdepositphotos_90817268_m-2015All you need is a small Allen wrench. Our friend Mike the Ukrainian Contractor, a co-conspirator at the Scottsdale Bidness Assn, locked himself out of his Toyota truck a couple days ago. After waiting an hour & a half for someone to come get him back in, he started to rummage around the Toyota’s bed. There he found a fairly small-sized Allen wrench. Stuck it in the lock, turned it, et voilà! the lock popped open.

Furthermore, this morning we discovered that my two-year-old Toyota key, which is cut exactly the same way his is cut, also will unlock his seventeen-year-old truck’s door. Noooo problem: just as if the key were made for the lock.

He bet that his key would open my Venza, but given the damned alarm system and all the wacky electronic stuff on the thing, I declined to test it. All I need is to be stuck in Scottsdale with a car alarm screaming and not be able to get into the damn vehicle.

Ruby is suffering from some kind of enteritis. It doesn’t appear to be distemper, because right this moment she’s flying around the house like a racehorse at full speed, leaping over rocks and running circles around Cassie. If she were seriously sick, she wouldn’t be up for that. I think the last batch of food I made contained too much rice and that’s what’s done her in.

Night before last, she barfed off the side of the bed. Despite her care to avoid listening to me bitch about having to strip and launder the bedding at three in the morning, she did manage to get a few drops of barf on the comforter and a sheet. Since that’s my thickest feather comforter, getting it clean is a chore even with the new washer. Took all day to get the damn thing dry.

Last night she and Cassie woke me twice. After the second elevator trip to the floor, I left them off the bed. Don’t like to do that, because I don’t run the heat at this time of year (by way of making up for the astronomical summertime air-conditioning bills), so if you’re not on or under the heated throw that tops the comforter, you’re very cold, indeed. Especially if you’re camping out on bare tile. But up-down-up-down-up-down all night long doesn’t make it.

So, mighty bleary-eyed when the alarm went off as dawn cracked, I ran off to the wee-hour meeting without my purse.

That meant I couldn’t run the errands I’d planned to do on the way home. And that means I now have to go out again and drive from here to Hell and back to buy gasoline and groceries. I was pissed about this and pissed about having to listen to more depressing bellyaching about our new fake President and REALLY pissed about having screwed up a manuscript so that I have to re-index 425 pages, a job I’ve already performed twice thanks to a prior screw-up.

As you can imagine, then, I was not pleased to come home to find Ruby’s rear end covered in dried-on dog sh!t.

She nests behind the toilet in the back bathroom. So the wall, the baseboard, the shower frame, the floor, and the toilet base were all smeared in dog sh!t, too.

Shee-ut. To coin a term…

So now in addition to feeling tired, cranky, and incompetent, I had to carry the dog into the bathtub and scrub her butt and thick furry “panties” clean, dry her off as best as possible (it’s still damn cold in the house), get out the disinfectant, and scrub down the walls, baseboard, shower frame, floor, and toilet in the back bathroom. Then open the windows back there and set up a fan at full blast to blow out the noxious disinfectant fumes.

This was really not how I wanted to start my day.

Admittedly, I did not want to make an extra trip out to shop for groceries and gasoline. In a car that anyone can open with an Allen wrench. Nor did I look forward to the first of four or five days of re-indexing chores. But this, I wanted to do even less.

Image: Depositphotos, © tigatelu

Ditz

medusa-500px-vincenzo_gemito_medusa_1911_02
Art Nouveau plaque depicting Medusa…1911, the very year my mother was born. Must be talismanic.

God i hate it when i sit down to the computer and it won’t come on and then i have to fiddle with it to make it work. It’s just another manifestation of the DITZ that is my life.

I am so tired of ditz I could barf. Wonder-Accountant laughs when she reviews my labors, and then she remarks that what I do is the English-major’s answer to bookkeeping. Mind-numbing.

Have spent the last…what? Two weeks? Three weeks, off and on?…reformatting the forthcoming book on writing & publishing.

Formatting a manuscript for print publication is ditz on steroids. I labored and labored and labored and finally got the thing into the template for a 7-x-10-inch paperback. This, because the standard paperback trade-book trim size, about 5.5 x 8.5 inches, produces an ungodly length of 445 pages.

Printing costs for a 445-page paperback are, shall we say, bracing. There is NO effing way I can sell this thing for a profit. So I ordered up a larger template, which yields a mere 316 pages.

Unfortunately, I neglected one small detail before I sent away for that template and before I formatted 77,351 words in the fvcker. I failed to ask the PoD supplier just what he would charge to print  a 7-x-10-inch book.

You wanna talk “ungodly”? Lemme tell you about “ungodly.”

So…after I’d done all the formatting and went to upload the PDF to the PoD guy’s site, that’s when I noticed that the cost of one book, though the larger trim size was more than 100 pages shorter, would pass beyond prohibitive.

The upshot of that was, I realized, that I would have to redo the entire book, again, in the smaller size.

This entails a staggering amount of mind-numbing, brain-banging, head-slamming ditzy layout work, because when you reduce the size you change the page breaks. When you change the page breaks, you change the chapter lengths. When you change the chapter lengths you screw up the opening pages. When you reset the opening pages, you screw up every single page and every goddamn image that comes afterward. When you manage, finally, to get all those things fixed (and it takes hour after hour after hour after hour after hour of horrible ditzy frustrating hateful work to make them right and you have to do quite a lot of it over and over and OVER), when you finally have all those things fixed, then you have to rebuild the table of contents (upon which you stupidly did a custom job) and the index (nine pages of double columns).

Meanwhile, I’d sent the MS over to the e-book formatter, where it was to be converted to Kindle and ePub versions. Pretty quick he starts e-mailing: did you really mean to write?… is this what you intended?… is this an error?…

Wayyyy too many queries are coming over from this guy, whose job is not to proofread. So I get into the file and start reading and realize HOLY SH!T. The thing is swimming in typos and bêtises.

Now I realize I need to go through the entire thing from beginning to end a-fvcking-gain, once I get it poured back into its original 5.5 x 8.5 size and formatted sorta right.

I run Word’s spell-checker on the content, and I fvckin’ cannot believe it. Wyrd finds dozens of errors, many of them very obvious. How the HELL did this stuff get through?

I have no idea. All I know is that I now have to go through 445 pages, after entering Wyrd’s corrects, and proofread line by line by ditzy line, searching out the remaining errors.

There are, it develops, a lot of them. I’ve lost track of how much time it’s taken to plod through this thing.

Meanwhile, mind you: I have paying work. The stupid-stuff has to get done around that.

And I’ll tellya: the stupid-stuff gives me serious pause. If I’m making this many errors in my own golden words, how many errors am I making in my clients’ dross?

I certainly seem to be instilling a lot of stupid mistakes in these blog posts of late. So…it’s reasonable to suspect the same high quality of perfection applies to my customers’ work.

Shee-ut.

All of this fun is on the side, of course.

Just now we have 475 pages of academic educationese flowing in-house. It will take all three of us working full-out to get this thing ready to go to the designer by the deadline, January 15.

As a practical matter, we have about a snowball’s chance. That won’t stop us from trying, though.

This thing is a compendium of contributions from a couple dozen authors. Though (as usual), they’ve been told to use a specific style manual, some have submitted their stuff in APA style, some in Chicago, and some even in (incredibly) MLA. Some, probably, have engaged their own idea of what oughta look nice on the printed page.

Untangling this incredible mess entails…? You got it: DITZ.

Oh, god is it a ditzy job.

I’ve done two of the four articles that came in and could have handled another one today. But we have a whole weekend and two other people working on the damn things, so I thought…what th’hell…I’ll try to make some more progress on the book layout.

Made progress, all right: toward pulling all my hair out.

Sometimes I ask myself why am i doing this? I hate this sh!t.

But then there’s the question of what else would I be doing?

Stocking shelves at WalMart? Yeah: I’d get paid better. Probably put my back out, though.

Walking the dogs? How many hours per day can you walk the dogs?

So far I’ve made no money on this enterprise. But hope springs eternal: with the current project, I’m hoping I can sell my services to continuing ed programs and community colleges to advise similarly deluded souls on how to become Writers with a Capital W. To whatever seminars, classes, and online hoo-ha’s I can wangle, I will bring these books. And thereby I hope, at last, to sell a few of my self-published efforts.

Sounds almost like a viable idea, doesn’t it? We must bear in mind, though, that if an idea is viable, I can kill it with a glance. I’m like Medusa. All the idea has to do is look at my head and it keels over in its tracks.

 Really. I should be spending my son’s patrimony driving around the country in an RV.

Image: I, Sailko, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=11814743

Derailed Day

Well, a LOT got done today. But none of it was anything planned. All the schemes on the schedule for this day were totally derailed.

All I wanted to do was paint the east wall. Yesterday I bought a gallon of good-quality paint at Dunn-Edwards, plus a roller designed for use on cinderblock.

Some years ago, Bila the Bosnian Painter (my favorite painter) covered the Funny Farm in the color I craved. He repaired and painted the trim. And all was well. Toward the end of the job, I reminded him that I wanted the wall facint the road along the east side painted to match the house. He’d…well…sorta forgotten about that and was running out of paint. So he diluted what remained and sprayed it valiantly upon the wall.

It looked OK. For a few months. But shortly it started to fade. A couple of strokes where he’d squirted it especially exuberantly with his sprayer retained the color, but mostly it looks like somebody tried to tag it with graffiti. Altogether lacking in panache. So: today was the day to get rid of that.

But.

I overslept. Didn’t get out of the sack until 7 a.m., about two hours late. Then, stupidly, I started the day by farting around on the Internet: reading the news (such as it is), answering the emails, screwing around on Facebook.

Facebook has got to be THE biggest timesuck ever invented by the mind of Man.

At some point, I stroll out in the garage, and out of curiosity decide to see whether the defective hatchback gate on the Venza has decided to work today.

It has not.

In fact, instead of JUST not working in the punch-a-button automatic mode, it now is unusable in the manual mode, too. If you open it manually and stick your head into the back end of the car, the damn thing closes on your neck.

Back to the Internet. Cruise around for quite some time before I find the symptoms described, not in any official way but only by other hapless Toyota owners.

(You may be sure I will NEVER buy another Toyota again. I probably never will buy another car again.) It’s either the struts (cost to repair: $3,000 to $4,000) or the lift motor (cost unspecified).

I do not, do not, do NOT ever want to deal with Bell Road Toyota again.

By now it’s around 10 a.m., so I call my  mechanic, Chuck. Reach his partner, Pete.

Can they work on the car on the extended warranty?

Not sure, sez he. Depends on who the warranty is written with. This is not specified in the effing crooked paperwork.

Call Camelback Toyota. Get the service manager there. I say I bought the car at Bell Road and never want to do business with them again. Like everyone who has ever heard of Bell Road Toyota, he laughs and says ,”Yeah, I hear ya!”

Bell Road’s reputation precedes it…. Too bad it didn’t precede into my precincts before I bought this car there.

He says that for the repair to be covered, I have to have bought “Platinum” coverage. This of course sounds like an excuse not to cover it. He agrees the struts cost three to four grand; if it’s the motor, says he, that’ll be around $2,500. I say I’m living on Social Security and can’t afford that, so if it’s not covered, then I have a “new” car from Toyota that will always be defective. I mention Funny about Money; I describe the number of readers who see it, by subscription, through Facebook, and through Twitter, and I suggest yet another report on the Venza interlude is not the best thing for Toyota’s good name.

He says, “WAIT, DON’T HANG UP! Give me the VIN and I can find out what coverage you bought.” I figure there’s a good chance I did shell out extra for this, because the SOB who tied up my entire afternoon high-pressuring into every extra charge Toyota could dream up probably added that on.

Camelback Toyota guy rummages through his computer and says it looks like I probably have the coverage. (I read this to mean “I’m going to talk my boss into covering this, if I can, on the grounds that it will support the company’s goodwill.”) We agree that I’ll bring the car in on Tuesday for them to figure out what’s wrong with it and decide whether they’ll do the job as warranty work or if they’ll try to give me another royal screwing. If the latter is the case, then the car will just go through the rest of its life without a functioning back hatchback door.

Fvck.

By now it’s around 11 a.m. I haven’t even had my customary pot of high-test coffee, to say nothing of anything to eat. I’m too effing mad to eat, though.

But the dog food is running low and I should’ve made a new batch yesterday so I decide to haul the bag of defrosted pork out of the fridge and cook up some more chow for the corgis.

I grab the baggie full of pork and…S-L-O-P-P-P!

Red, bloody juices squirt out of the Ziplock bag. A lake of red bloody juices spreads across the glass shelf occupied by said baggie. It cascades down the inside walls and floods the shelf below, and from there drips down the back of the fridge to puddle on the ledge behind the produce drawers and drizzle down into the bottom of the refrigerator, soaking the styrofoam thing behind the produce drawers.

What. A. Fvcking. MESS!

Most of the refrigerator now has to be taken apart and sanitized.

This chore occupies the better part of an hour. But — look on the bright side! — it does force me to collect and throw out a lot of unidentifiable rotten stuff.

That’s good.

I guess.

Now I get on with cooking the dog food. This is not a difficult job, but it’s messy. And just yesterday the kitchen counters were scrubbed clean and polished to a high glow. By the time I finish, of course they’re covered with grease. So I not only have two dirty pans to scour and the food processor bowl to wash and the giant mixing bowl to wash, I also have to clean and polish the tile. Again.

Residing in the blood-washed fridge, not yet spoiled, are the remains of a roast Costco chicken carcass. Royally tired of meals from this tasty but oversalted treat, I decide to cut off the meat, run it through the food processor, and add it to the dog food.

This almost doubles the amount of food today’s creation yields. But in the process of course I cut myself with an ultra-sharp kitchen knife. While I’m elbow-deep in meat. Cooked meat. But still. Meat.

I soldier on till the job is done. Then head back to the bathroom, un-bandage the other cut finger (which also has been bathing in bloody pork juice and chicken grease), grab the antiseptic wash the Mayo Clinic gave me, and scrub the bejayzus out of my hands. Apply new bandages to cut fingers. Pray (or whatEVER) for the best.

Clean the kitchen.

I still haven’t had breakfast.

Nor, BTW, have I performed my most recent self-appointed regime: the daily dog-hair cleanup.

Realizing that one could theorize that part or all of the old-lady vertigo I’ve been enjoying could be blamed on allergies and the resultant stuffy head that has plugged my ears to the point where I can barely effing HEAR, a week or so ago I threw out the 10-year-old pillows, replaced them with new uncomfortable pillows, washed everything on the bed and subjected it to mite-killing ironing from a Shark set at “blowtorch,” cleaned the floors until you could eat off them (safely!), and took it upon myself to run the dog-hair-catching bed throw through the dryer EVERY day and, also, EVERY day, to dust-mop the floor with a microfiber rag.

This has made a huge difference. As we scribble, I’m Benadryl-free and nose-squirt free, I can breathe, I can hear, and my head is not spinning anymore.

You would be ay-mazed at how much dog hair and dust settle on a tile floor in any given 24-hour period. Yesterday the floor was not only dust-mopped but vacuumed and wet-mopped. At around noon or 1 p.m. today, this is what came up…

doghairYuck. No wonder my head has been stuffed up. You can’t even see the skiff of dog hair in this image.

Fixed breakfast/lunch. Really didn’t have much in the house to eat. Did not feel like eating at all, much less scarfing down the usual mid-day feast. Microwaved two pieces of high-end “Sunday” bacon (reliably delicious) and fried up the rest of the frozen hash browns (reliably fattening). Consumed the desired swill of coffee.

Pal who’s a mortgage loan officer surfaced on the phone. He’s trying to get ahold of M’hijito. I and said Mortgage Pal are trying to move the kid to refinance the downtown house NOW GODDAMN IT BEFORE THE RATES GO ANY HIGHER.

The house has a 30/15 mortgage on it. We signed up for this instrument back in the day, before we realized the economy was skateboarding toward Hell and when we thought we were getting the place on the downtick, yea verily maybe at the bottom of the market. We figured M’hijito would stay here for a three to five years, until he got back on his feet; then we would sell the house, he would repay my grubstake, and he would have enough saved and in profit from the sale to go back to San Francisco, where he belongs.

Wrong.

Wrong.

And Wrong.

We still own the house. He still has his miserable job. He has no hope of ever being able to return to the City, where housing prices are so far out of reason that Donald Trump Himself couldn’t afford an apartment there, and he has despaired of ever getting another job worthy of the astronomically expensive elite college degree that he possesses.

It now looks like he will still be living in the house when that 15-year balloon comes due. And Mortgage Pal and I are dead certain that the crazy low interest rates will be long gone by then, and historically “normal” rates will be back.

Let me put it this way: when I bought my last house, my Realtor and I were beside ourselves with JOY when I wangled an 8.25% rate. We thought that was almost too good to be true. The ex- and I had paid rates as high as 13%, though 11% was more typical.

That’s t.y.p.i.c.a.l…

Getting the kid off the dime has been a bitch of a challenge. This afternoon in chatting, Mortgage Pal (who’s almost as venerable as I am) realized that 11% rates are outside the range of the next generation’s experience.

They just don’t get it. They don’t understand that the low rates we’ve seen over the past many months are FREAKING BIZARRE, and that one of these days (soon, with Trump in office) we will see rates go back to historically “normal” levels. Which ain’t gonna be 4.75%.

Hassling back and forth between those two consumed a fair amount of the afternoon.

Have I painted the wall?

No.

Have I taken the dogs for a walk today?

No.

It’s almost dark. I better go do that…

O Brave New World…

…that has such people in it!

Prospero: ‘Tis new to thee.

Indeed. Well, there’s little time to blog this morning, and probably less to say. Got a project in-house that needs to be done right away; a concert to go to this afternoon, Fauré’s Requiem to sing tomorrow night, a pool crying out for help, and yardwork still left unattended.

Nevertheless, it’s one amusement after another, eh? We have an orgasmic stock market — holy mackerel, at this rate we’ll all be rich as Trump. This, after a day of riding the skateboard toward Hell. In saner times, we’d call that “volatility” and start moving money into conservative instruments. Extremely conservative. CDs, anyone? Gold?

Speculation abounds. The endlessly pessimistic CBS MarketWatch has a PF piece on how the Trump Presidency will affect your wallet. In short: taxes down, prices up.

Federal taxes down wouldn’t affect me much, since nearly half my income is from investments and half is Social Security. But I sure could do with some controls on the damn property taxes. Maricopa County and state property taxes are now pushing the limit of what I can afford, with no end in sight. If they’re not brought under control — which they almost certainly won’t be, because after all services have to be provided and the people who use them (i.e., everyone who  lives here) have to pay for them — I will have to move out of my house. That will probably consign me to Sun City, where exemption from property taxes was wangled by Del Webb when he first bought the property and is grandfathered (heh!) in. SDXB’s taxes are a third of what he was paying on the house two lots down from mine, and his home and auto insurance dropped in half when he moved out there.

WaPo speculates on life in the sciences under an anti-science, anti-intellectual troglodyte of a President. Pence, we know, is reliably crazy and would’ve been one of the guys threatening to burn Galileo at the stake unless he recanted his theory that the earth revolves around the sun. But Trump, as I’ve already remarked, defines loose cannonhood. He could do anything. And will.

The Atlantic runs an extraordinarily obtuse rumination on why a woman can’t get elected President of the United States. Nowhere do they question why that woman can’t get elected or wonder whether there might be differences among women candidates. Oh well.

Trump is already waffling on Obamacare. Whaddaya bet we won’t see it go away after all? Whatever happens, it had better be a lot more “awesome” than what we’ve got now, which doctors as well as consumers agree is pretty grim. It’s not something that religious doctrinaires should be entrusted with, I fear.

Welp, all those articles are very entertaining, and I hope you enjoy them. Hereabouts, the coffee is swilled and it’s time to turn to something one helluva lot less entertaining: (ugh!) Work.

Have a nice day…as my step-sister the judge once said to a guy she’d just sentenced to life in prison…

:mrgreen: