Coffee heat rising

Another Day, Another Dollar…someday. Maybe.

Okay, this is it. I have GOT to get my act together!

This morning I overslept big time. Awoke at 7:30, about the time the Thursday ayem meeting was starting. Called the speaker to let him know I’d be a half-hour or forty minutes late — he wasn’t there yet, either. Ten minutes later, FLEW out the door and hit the road.

No. Make that “hit a wall of traffic making like a molasses tsunami.”

The fake cowboy DJ on the radio remarks that there’s an estimated 95-minute back-up — that would be an hour and a half, he helpfully translates — on the eastbound 101 at a downtown exit.

We sit through six signals at the intersection of eastbound Glendale and State Route 51. Evidently every eastbound commuter who’s heard this news has dodged off the I-17 (which merges with the 101 downtown and is capable coming to a dead standstill when any significant event occurs). They’re all headed across the surface streets to the other southbound freeway, which arrives downtown several miles to the east of the wreck site.

So it’s quarter after 8 by the time I reach Scottsdale. The program is over and people are sitting around chatting. The chiropractor has already fled for another meeting, but others are socializing, and that’s nice. Chat for awhile; then burn some more gas to get back home.

The assembled company is looking and feeling a little groggy. At 3:49 a.m., reports George the Elder, an Amber Alert went off and rousted EVERYONE out of the sack with a shrill squeal and a desperate-sounding announcement. Some woman’s ex-boyfriend called the cops and claimed she threatened to harm  herself and her brats. She claims that is not so. The cops apparently doubt the accusation enough that they are not filing charges.

Whatever is true, the result was to jolt every cell phone owner in the city awake in the wee hours of the morning.

I’m thinking I may try again with the cell phones. So far I’ve really hated the android-type phones I’ve tried and deeply resent having to pay so goddamn much for something that a) I consider a nuisance; b) I can’t figure out how to work; and c) I hardly ever use and don’t want to use. However, it’s just so risky to be schlepping around the city without a phone when there are no pay phones left anywhere… My son has extracted 100 minutes a month with no contract for his iPhone with T-Mobile (whose service I loathed) for just $30 a month (plus the cost of the contraption). That’s annoying but not impossible. So if — and only if — I can persuade him to help me learn how to use it and help me get T-Mobile’s erratic billing practices as much under control as possible (they don’t bill you and then they cut off your service), maybe I’ll sign up for that. At least I know how to operate Apple’s hardware.

Lo and behold, it’s very easy to turn off the Amber Alerts on an iPhone. If and when I get this device, that will be the first order of business.

What an annoyance! As though in a city of 4.2 million people, I’m likely to spot some homeless woman’s three children at 4 in the morning! A homeless woman who lives halfway to Tucson…

Back at the Funny Farm at 9:30. Starved, of course: no time for breakfast, and I do not eat at The Good Egg (our meeting place), which like most chain restaurants serves processed foods poured out of boxes, bags, and cans. Still haven’t lost the two pounds I picked up on Monday at the IHOP.

And in the “still haven’t” department, it’s now 11:30 in the morning and I have not started on the client’s project, which I surely would like to get done today, so as to ship it off to him at the earliest. If I don’t quit writing this blog post soon, though, the possibility of reaching that little goal will be much diminished.

Met with him for almost two hours yesterday (imagine the number of hours that will be required to put all that content-heavy palaver on paper!). He arrived back from London with an airplane cold, thank you very much. By yesterday evening, it looked like I was coming down with it, in spite of my having driven straight to a store and purchased a package of sanitary wipes with which to scrub the hands, the computer, and the car’s steering wheel. But this morning I seem to have thrown it off.

What I have not thrown off, evidently, is stone laziness.

And so, to work. I suppose…

Lordie!

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

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

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

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

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

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

Uh-oh…

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

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

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

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

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

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

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

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

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

And that is not good.

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

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

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

 

Time Management: Where DOES the Time Go, Anyway?

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

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

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

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

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

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

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

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

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

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

And so, to work…

Loafing

My goodness, it’s nice to be able to loaf in the sack until after the sun comes up! All of the paying work got done toward the end of last week. And now the house is cleaned (and cleaned again), the bookkeeping done, and the mountain of paper shoveled off the desk.

Peace!

Cassie the Corgi has been blowing her coat for the past month, an activity that did not help the predicament caused by my failing to clean house for two months. Vast quantities of dog dunes have been shoveled up and dumped in the trash; the floors vacuumed, mopped, and steam-mopped; the sheets washed and pillowcases ironed; the bathrooms cleaned; the kitchen cleaned; the caked-on grease scoured off the stove; the nonfunctional stove burner repaired. YES!

What could be better?

It looks like the magazine writing course will not make. An enrollment of twelve is required to make it go. A week or so ago eight students had signed up, but since then a couple have withdrawn, and only six remain. And that’ll be fine — I can do without having to wrangle two online courses this semester. The Eng. 102 section will take up the slack if the writing course doesn’t materialize; otherwise income from said wanna-be Writers with a Capital W will come under the heading of “pure gravy.”

At any rate, until such time as I can believe that section will fly, I’m not putting in any more unpaid hours in course prep. LOAF!

Today’s income-inequality rant at The New York Times holds forth on the alleged upward skew of consumer spending — theoretically, as the rich get richer, fewer mass-market appliances and low-end restaurant meals are getting bought, presumably because the rich are getting a whole lot richer and the rest of us are getting a whole lot poorer. “Those consumers who have capital like real estate and stocks and are in the top 20 percent are feeling pretty good,” the reporter quotes a Price-Waterhouse-Coopers exec.

No kidding? If you count the savings drawdown and the Social Security and the teaching income as “earnings,” I’m in the top 50 percent, and I’m feeling pretty good.

O’course, that’s not counting the outrageous amounts the investments earned over the past several months, during the recent rabid bull market. Add  just three months of those proceeds into the AGI and you push me into the top 25 percent of US earners. Precious little of that is coming into reach of American Express and its retailer customers, of course — it’s banked against old age. Nor is it to be imagined that those are real figures: I think of that kind of thing as pretend money, easy come-easy go, poker chips on the craps table.

But for the nonce, at least, having made the 2014 drawdown before the hot air started to seep out of the stock market, I’m feeling moderately confident. In 2014, there should be plenty to live on, even if the current spate of outrageous unplanned expenses continues for several more months. Now, 2015 may be a different story. But we’ll get to that when we get to it.

At any rate, this year, thanks to the chair having come up with the online 102 section and my having volunteered serendipitously to take a summer section, teaching income will be more than normal even in the absence of this spring’s maga-writing course.

How on earth does that man do it? He seems to just BE there, every time I need a new way to earn a chunk of money. This has happened time after time. Someone upstairs must have appointed the guy to be my guardian angel.

So…what to do today?

1. Bill the two major clients, a project that will take a while since I haven’t kept up with billing.
2. Update the imaginary map for the novel and ship that off to the artist.
3. Organize the cookbook recipes in a sane sequence.
4. Delete images from Word recipe files; track down the jpegs and save them to a new subdirectory with numbered filenames that will make them appear in the order in which they need to be inserted in the layout.
5. Call the vet; arrange appointment to inspect new pup (just a month or so to go!) and get new shots for Cassie.
6. Figure out a way to ask the vet about how to feed real food to a pup, or when to start.
7. Go for a dog-and-human walk.
8. If any time remains, continue chapter 1 of the novel’s sequel.

Huh. I suppose this means I’m going to have to get up and do something, eh?

Work, Community Service, Argh!

Worked like a horse all day yesterday: first to the morning networking meeting, then some light yardwork, then until 8 p.m. on a client’s book. It’s good…I hope he likes the final edits.

Now must race — it’s already quarter to six!! — to get down to the law school: mock trial for the country prosecutor’s office. Last year I got “volunteered” by one of my former TAs, who graduated from law school and was interning for the prosecutor, into serving on a mock jury for a project put together to train young litigators. It was fun, so I said I’d do it again.

Hence, all the work pushed up a day.

And now, it’s off and running again. Hope your Friday is grand!

The_Jury_by_John_Morgan

The Jury, by John Morgan. 1861. Bucks County Museum, England.