Coffee heat rising

Life at the Old-Folkerie…or is it the Ritz-Carlton?

So my friends from church, J & L, have sold the manse and are moving into a life-care facility called The Beatitudes.  J is thrilled at the idea (well, pleased, anyway), whilst L says it’s going to be like moving into a prison. Today they took me to lunch there, after we dropped off some loot at the new digs as part of the moving project.

The future of old age?

The Beatitudes has been around since long before “life-care communities” became a Thing. As long as I’ve lived here (and that has been a long time), it existed at its present site as a nursing home and warehouse for the elderly. As my generation has aged, we’ve become a gigantic communal cash cow, and so the present places are being massively upgraded as their management tries to keep up with newer resort-like living arrangements for the affluently agèd.

I’ve been interested in J & L’s experience, partly because sooner or later I’m going to have to figure out how to get myself cared for and partly because my two friends’ widely disparate views of the thing exactly reflect my conflicted thoughts on the matter.

As soon as my mother died, my father got himself into one of those places. This was in the mid-1970s. Run by the Baptist Church, it was called Orangewood; like other surviving first-generation independent living facilities, it has been massively remodeled — rebuilt would be the term — and now sports a new name. He was only 67.

Before my mother took ill, he proposed that they move to this Orangewood place, mostly because he preferred apartment living to having to take care of a house and yard. Life-care communities were a recent development at the time, and as soon as he learned about them, he thought it was a great idea. Horrified, she resisted. She died before that argument could go very far. So, off he went to Orangewood.

He apparently liked it. However, it’s important to note that having gone to sea all his adult life, he was well adapted to institutional living. (“Institutionalized” is the term that comes to mind…) He didn’t seem to care about regimentation or confining rules or living elbow-to-elbow with his fellow inmates. If anything, he seemed to relish it.

So okay, he moves into Orangewood. When my friend L says he thinks moving to the luxurious environs of The Beatitudes is going to be roughly the equivalent of moving into a prison, the Orangewood experience is where he’s coming from. In exchange for a great many amenities — some of which were true Godsends — Orangewood extracted obedience to some onerous conditions. For example…

  • Two meals were served each day: a light breakfast and a heavy mid-day meal. You were required to show up at one of them, so they could check on you to be sure you were still ambulating around. The food, we might add, was by and large dreadful.
  • For three rooms, one bathroom, and a nonfunctional kitchenette without even a full-size refrigerator, my father and Helen paid as much per month as my then-DH and I paid for 3000 square feet (five bedrooms, one of them converted into an entertainment room) on a third of an acre of prime North Central real estate.
  • You were supposed to use their doctor, an exploitive quack.
  • If you fell ill, you could be required to move (usually temporarily) into housing close to the on-campus nursing home, where you could be watched more carefully.
  • They, not you or your family, decided whether you would be moved into the on-campus nursing home.

But there were trade-offs that made these conditions not so onerous.

So… My father moves into a one-bedroom apartment that seems to suffice for him — bearing in mind that he had spent most of his adult life living in a ship’s cabin. It was certainly better than an SRO, an option he had more than half-seriously proposed. Shortly, Helen notices him and sets her sights on him. (Even in his late 60s, he was a handsome man.) Before the end of the year, they marry. They move together into a cramped two-bedroom apartment which to my taste would have been OK for one person. But that was what was made available to married couples. Since Helen clung to her worldly goods like a crab with prey in its claws, this place was, shall we say, cluttered.

But that was none of my business, even though it made my father crazy.

Every now and again, they would invite us to join them for the dinner-sized midday meal. I abominated this, because the food was truly awful: steam-table buffet gunk, most of it reconstituted from packages. I remember looking at it and wondering how can they justify feeding this stuff to elderly people with cardiac conditions? Every meal was high in starch and high in salt. Every dessert came out of a box. Equally wonder-making was how the inmates could bring themselves to eat it, day in and day out.

As far as I could tell, they apparently didn’t mind. I concluded that it was true people’s taste buds die in old age, and so they couldn’t tell the difference between industrial junk food and real food.

(In my own old age I have not found that to be true. Believe it or not, I can still taste food and I can still tell the difference between real food and fake food that comes out of a box or a can.)

But whatEVER: my father and Helen didn’t complain. Nor did they seem to be able to understand why we would always have something else to do when invited to dine with them.

To my mind, the place was dreadful: the apartment oppressive, the limited space cramped for one person and hideous for two, the food terrible, the Big-Brotherly oversight creepy, and the institutional conditions questionable. At one point a plague of food poisoning spread throughout the entire population — almost everyone was sick with severe diarrhea and vomiting. This, the inmates were assured, was a harmless and passing “stomach flu.” Which, I guess, was how the management spelled “someone in the kitchen failed to wash their hands.” Or worse.

The Beatitudes is much different — at least, the part I can see is. J & L’s high-ceilinged apartment, which is not exactly spacious but still is well laid out and has an astonishing view of the city and the Phoenix mountains, has two full bedrooms and bathrooms, and a full kitchen with plenty of cupboard space, a pantry closet, a full-size double-door refrigerator, a full-size stove and oven, a dishwasher.

You should see this place. It’s like moving into the freaking Ritz-Carlton!

My friends insist that no rule requires you to show up at any of the three eateries (two of which are pretty fancy). If you pleased, you could cook all of your own meals. We went to the informal joint for lunch — it’s a kind of bistro-like affair where you can get soups and salads and whatnot. Service is sit-down: food is delivered to your table. You do not bus your dishes.

Some of the food was pretty good. Not great, but reasonably good. I had a white bean chili that was edible enough. L had a sandwich of packaged cold cuts that looked revolting. J had a bowl of soup, about which she did not complain.

I think if I lived there I would fix most of my own meals in the apartment’s more than adequate kitchen. But those restaurants would always be there if you didn’t feel like being bothered.

Given that you can now order up groceries for delivery, you could stay pretty independent for a very long time in that place. If you were not required to eat in the restaurants (I think they may have to buy a certain number of meal tickets, but no rule says they have to use them) and if nobody was poking their nose into your business, it actually would be a reasonable way to address the vicissitudes of old age in a fragmented society.

It’s something to think about.

I do worry about what is going to happen if I live another 10 or 15 years. My friends are in their early to mid-90s. But even in your 80s, you certainly could find keeping up a big house and yard quite a challenge.

You could hire help…but…who’s to say what kind of help you’re going to find? My friends have a cleaning lady who comes in regularly. As the two contractors who are helping to move them to their new digs were hauling stuff out to their vehicle and mine today, we found most of the stuff we were picking up off the tables and cabinets hadn’t been dusted in weeks. This woman is apparently not dusting things like the lamps and the fake dieffenbachia and the pictures. If she’s not doing that, what else isn’t she doing?

An apartment is a lot less space to have to take care of than the Funny Farm. And quite the cottage industry is growing up around the aging of the Baby Boom. The institution down there on Glendale Avenue is only one manifestation: the other day I read about a woman who started a business driving elderly people around. She’s apparently doing quite well at it. And then we have the two women who are helping my friends pack up for the movers and organize where things should go in the new digs: helping elders move IS their business. They’ve made themselves known with a bunch of the old-folkeries like The Beatitudes — there are now quite a few of them in town — and they have as much work as they can handle. Sometimes more. Then there’s the guy who charges people to serve as a companion for exercise walks. Want someone to get you off your duff and into your walking shoes? Call this fella.

See what I mean? Given that this industry is developing, why not take advantage of it?

Merry Christmas…i guess

Christmas treeWelp, Merry Christmas one and all. Think some spiritual thoughts…that will take Herculean effort. (So we invoke one ancient culture’s religion when we see our own, as interpreted by its fundamentalists, has failed). Personally, I find it a shade difficult to choke up much merriness, given that we’re watching our country crash in flames.

Thank God I’m too old myself to be called into active military duty, or to have a kid young enough for that. The mess the Trumpites are making in the Middle East sooner or later will come back to bite in a big way, and at that time a mere force of mercenaries will not suffice. Expect to see your sons and daughters — or grandsons and grand-daughters — called up for active duty within the next decade. To say this bunch has plunged the country into chaos is, my friends, an understatement.

Or maybe we ourselves will want to join up, if the military will take us. God knows, we’ll need the money.

Watching what appears to be the start of the Bush Crash redux, I have exactly zero confidence that a collapse of this magnitude is going to do me any good in my enforced retirement. What I do feel confident of is that it will leave me with nothing like enough in savings and investments to support me through my dotage. It is almost certain, thanks to the lunatics who put a seditious fool in the White House and inflicted their set of wackshit discredited economic theories on us all, that I will not have enough to live on for the rest of my life.

During the 1970s, I watched my father’s savings — an amount he thought would support him comfortably through a lengthy retirement — melt away under an inflationary blowtorch. Now we get to watch my generation’s retirement savings disappear, too.

Lovely.

Oh well. There’s not a thing we can do about it. If you haven’t hunkered down yet, financially speaking, it’s too late now.

Remember what I told you, some time back: Politics is economy; economy, politics.

In one last gasp of optimism, tonight I’m singing with the choir for the evening service and then for the midnight service. That will be fun. The church tends to overflow on these big religious holidays. Though it’s not exactly empty the rest of the time, on Christmas and Easter people flow into the parking lots.

We — the women’s chant choir — sang for Compline last night. It’s a very short but very lovely service. The entire thing is sung, much of it in chant. It’s  relaxing and soothing, something that’s much needed these days.

In between the two Christmas Eve services, we have a potluck dinner. That should be fun. I’m hoping SDXB will show up for that and for the late service. Connie the Long-Haul Trucker is in Moab, headed toward the Valley as fast as she can fly for as far as the gummint will let her drive in any one 24-hour period: expects to reach the truckyard about 10 a.m. tomorrow. So she will miss the Xmas festivities, but will be here to see her family on Christmas day. That’s something. I guess.

Cassie the Corgi continues to have her ups and downs. Yesterday was a definite up. Today she seems to have crashed, along with the Trump economy. {sigh} Not only can she barely hobble around but (to continue the endlessly amusing simile) she seems confused. It’s like she’s not sure where she is. She’ll get outside and look around, appearing utterly flummoxed, like she’s wondering Where am I? What is this place and what am I supposed to be doing here? Eventually she’ll pee on the ground and then stumble back in the house, evidently only slightly enlightened.

That’s today. Yesterday she was downright peppy and for a moment was actually running around the backyard (very, very briefly) after Ruby.

So one is led on a merry psychological chase, in which one moment you think gosh! maybe she COULD recover somehow and the next you’re figuring where to dig her grave.

The neighborhood is brightly decorated. One street is completely lined with luminarias. Young people love to gussy up their places for Christmas, which is a delight. I personally am too lazy to feel inclined to climb on a ladder to hang up lights, then climb up again to take them down and then make myself crazy wrapping them back up and putting them away. Never have been much for conspicuous decoration, myself. But that doesn’t keep me from enjoying other people’s displays.

Luminarias line a garden path as part of Hispanic celebration of Christmas

 

 

How’s That [fill-in-the-blank] Workin’ for Ya?

Thankee, that [hand-wash the dishes scheme] is workin’ surprisingly well. Who’d’ve thunk it?

LOL! Have been banging around since the hounds and I rolled out of the sack at 4:30 a.m. The mile-long dawg walk is done. Pool maintenance: done. Yard maintenance: done. Three loads of laundry: done. Shitload of housework: done. Trash hauling: done. And it’s only 11:00 in the morning!

Interestingly, it turns out that washing dishes by hand is nowhere near as annoying as I remember it from my misspent youth, when my mother used to make me wash all the damn dishes. In the first place, there’s only one person dirtying up dishes here (well…not counting the pooches). In the second, I cook almost exclusively on the grill (especially in the summertime!), and so there are no pots and pans to scrub. And finally, because in diet mode I eat only twice a day, stacks of dirty dishes fail to materialize.

If I set my own and the pooches’ plates in a sink filled with soapy water, whenever I get around to sponging and rinsing them, it takes less than three minutes to wash them and drop them in the washer’s dishrack to drain. Exactly zero electric power is consumed (the water heater runs on gas). Compare that with the two-hour power- and water-consuming cycle to wash the same number of dishes & utensils!

Think of that. If I washed dishes twice a day, every day, that would be six minutes times seven, or 42 minutes a week. Less than half the time it takes to run one dishwasher load!

Normally I run the washer about once every second or third day. So that would mean in a week I would run it twice or three times: four to six hours of electric use!

Compare that with zero hours of electric consumption, and maybe three gallons of water per day, heated with gas.

My kitchen sports a huge double sink. I mean, huge. This makes it possible to fill one sink with richly Dawn-enhanced water. Then, whenever the dogs or I finish eating something, I set the dishes in the water and leave them to soak (having wiped the food into the trash first, of course). Later in the day: sponge down the collected pottery, glass, and stainless, rack it, drain and rinse the sink, and forget it.

It’s no exaggeration to say this takes about three minutes.

Maybe SDXB wasn’t as crazy as I thought.

He hates dishwashers and refuses to use them. When he lived with me, he tried to force me to abjure the use of my Kitchenaid. It was one of several constant sources of conflict.

On the other hand, SDXB did love to cook. And what a mess that man could make! The result would always be piles of sticky, greasy pans, mountains of bowls and platters and plates, knives and spoons and forks and peelers and mixers and…ugh!!! Washing all that stuff by hand was, in fact, one bitch of a chore.

That’s not how I prepare food these days. Almost everything that I cook goes on the grill. Most veggies can be grilled on one of those barbecue pan things with the little holes in it. Meat, of course, goes right over the fire. Even pasta (for example) doesn’t get a cooking pot very dirty. So with few pots and pans — and almost never a frying or sauté pan — the dishes you eat off of are pretty easy to soak clean.

On other fronts: Did I fix the link in yesterday’s Complete Writer post? No. My patience is still too short to address that issue. Gimme a break, Lord!

Am I going to make it to the end of my personal “fiscal” year in September, when the annual required minimum drawdown from the IRA is slated? No. I have $4,000 in the checking account. Talked the Mayo into reducing its bill by $305, the amount Medicare and Medigap refused to cover for the stupid “annual checkup” that I should have turned down, but that was a drop in the bucket. Yesterday in the mail came a bill for something over $2,000 for next year’s Medigap coverage. That is a huge increase. Obviously, since it costs about $2,000/month to run this house and feed me and the dogs and operate the car and fill the various hands reaching into my pocketbook — exclusive of tax and insurance bills — I am not going to make it to September on what remains in the bank.

I’m told long-term care coverage is also going way up.

Obviously, I can’t continue to live on the RMD plus Social Security at this rate. Possibly I’ll have to consider canceling the long-term care coverage. That is a HUGE risk. If I don’t die quickly but instead land in some nursing home, the cost will drain savings fast, impoverishing me and eliminating any chance of leaving enough to my son to matter.

My plan is to exit stage left if it looks like any such thing is coming down the pike. If one were to succeed in that strategy, it would render the long-term care insurance massively redundant. On the other hand, there’s always the chance that — say you had a stroke or you fell and hurt yourself bad enough that you couldn’t move around — one might not be able to reach the tools set aside for the purpose.

I’d rather not have to pay that accursed insurance bill. But on the other hand, I sure don’t want everything I hope to leave to my son taken away…for what? To keep me pointlessly alive?

And finally, remember the Vicks VapoRub Quack Cure for supposed toenail fungus? How did that work? Mixed. After the initial six-week experiment, I continued to use it for a several months. But it must be said that the stuff does stink. One does tire of going to bed smelling like a chemical factory. So eventually I gave it up.

And, as expected, eventually the dry hide/possible fungus was back to business as usual.

My friend VickyC reported that tea tree oil had worked for her. Look it up, and you find that it does work, sometimes: in 10% to 14% of cases. The other option is a very expensive topical fungicide whose results are similarly weak, or anti-fungicidal pills that can make you good and sick. Thanks: I’ll take the toenails as they are.

So the other day I picked up a tea tree oil concoction (woo-wooooo!) at Whole Foods and tried it.

Damned if it doesn’t make a difference!

However: I suspect that’s because this is probably not a fungal infection. At first glance, Derma-Doc pronounced the thick skin and raggedy nail ends on the right foot (not on the left one) to be “dry skin.” He recommended massaging a whole lotta Eucerin into the toes. And the rest of the foot. And the other foot.

Side note: for years a neuroma caused so much pain in the ball of that foot that I would curl my toes under when walking, to relieve the pressure on the spot that hurt. That caused extensive callusing on the ends of the toes…which, we might add, coincide with the tips of one’s toenails. Thus Derma-Doc’s off-the-cuff diagnosis had some credibility.

Later, also on the fly, he remarked that it was a fungus. So: WTF. Who knows?

This time, though, unlike past episodes of fretting, one of the nails had developed a  brown spot.

Side note: however, awhile back I whacked my foot good and bruised the toes. The dark spot could have been a little blood seeping under the nail, which would not be the first time that’s happened.

So, following the quack instructions, I went to file the surface of the nail a bit, and lo! that lifted the discolored area right off. Clearly, whatever it is does not dwell under the nail, as we’re told is the case with a nail infection.

Tea tree oil has its own annoying New-Agey perfume, but it dissipates quickly. Put it on an hour or two before bed-time, and it does not accompany you between the sheets. Nor does it fill the air around you with a nose-crinkling stink.

I’ve been brushing this stuff on each night and then covering the feet with peds… After just a few days, the rhino-hide effect has much improved. The brown spot remains gone. And I suspect that if a person continued this “regimen” (heh) over a period of weeks or months, eventually the road-worn toes would assume a normal appearance.

We shall see. This is so easy, there’s no reason not to try it.

To REALLY retire or not to REALLY retire?

That is the question.

It’s not so much that I’m all that sick of this self-employment stuff. It’s that the older I get, the lazier I get. And the less I feel like working at ALL. Barf.

Just now The Copyeditor’s Desk, a registered Arizona freaking S-corp, has about $2,000 in outstanding receivables. Among these receivables is one due from a university in Texas that paid through the monumentally faceless Oracle Corporation, which a few days ago sent me a notice saying the check was in the SNAILMAIL. And — get this! — reminding me to be sure it clears their banking institution (or whatever a monumentally faceless corporation engages these days) before trying to use it.

Uh huh. Days have gone by, as you might expect. No sign of this highly unstable and perhaps rubbery check in the mailbox.

Then we have the Chinese clients.

Not that I don’t love the Chinese clients. I do. They’re wonderful and interesting and great to work for. It’s getting paid by universities in China…therein lies the problem. Other countries, you understand — more advanced than the U.S. — no longer transact business with paper checks. They want to transmit payments electronically.

That would be fine if I were using a major international bank to hold my vast empire’s wealth. But I dislike major international banks, because, still living in the mid-twentieth century as I do, I persist unreasonably in expecting (of all things!) some customer service. And I deeply resent being dinged for fees to keep my money in their bank, where it is not in their bank but in investments turning a profit for said bank. Consequently, I use a credit union.

Most credit unions are too small to have a SWIFT number. This means that a Chinese client (usually a major university) has to send an international money transfer, but it has to be done indirectly. That is, they can’t just send the money direct to the credit union. They have to use an international bank, such as Bank of China or hateful Wells Fargo, as an intermediary: they send the money to the giant faceless international bank, and the GFIB sends it to my credit union, extracting a substantial gouge in the process.

This is time consuming, to say nothing of noxious.

No, they will not use PayPal. They are rightfully suspicious of PayPal. As am I. It can be done, but they don’t want to do it and so will tell you that their university will not allow them to do it. Could they pay by Visa? Probably. I haven’t looked into it, because I’m not sure who to ask. Plus I would have to pay to get into a system to make credit-card transactions. Blech.

Truth to tell, because I don’t want to work much, I don’t get paid much. By the hour, my clients pay many times more than colleges and universities pay for adjunct teaching. However, because the minimum-wage teaching gigs are more or less steady work, after all is said and done a couple of classes a semester put as much as or more into my checking account than the editorial work.

This leaves us with the obvious question: Why am I bothering with this?

Plus…frankly, I suspect I get less and less competent the older I get. My agèd secretary, who was a complete dunderhead, used to drive me freaking nuts because she could not figure out the digitized office procedures we had to accomplish tasks that we once did, much faster and much easier, by analog processes. Those analog processes had gone away at the Great Desert University (as in the larger world), and so she had no choice but to try to use the digital upgrades. And what a mess that woman could make when she did try.

Welp. This pot can no longer call that kettle black. I’ve found that I do not want to keep climbing an endless Mt. Everest of a fucking learning curve. I’m sick of trying to figure all this shit out, I’m sick of having it not work no matter how hard you try to make it work, I’m sick of the FUCKING TIME SUCK involved — spending hours to do something that should take ten minutes, every time you turn around.

Today — ah ha! Here it is: the immediate cause of this rant — I went online to pay the corporate and the personal AMEX bills.

The credit union’s bill-pay function, as we’ve found in the past, is problematic: It makes it appear that you’re paying electronically, but behind the scenes sometimes the CU is actually sending a paper check, meaning it takes up to ten days from the pay date for the creditor to receive its money. There’s no rhyme nor reason to this check-paying quirk, and the underlings cannot tell you why they do this and which creditors are likely to be paid by check.

As part of its ongoing learning curve, the CU recently instituted a shortcut to its bill-paying service. Instead of having to proactively click on “Bill Pay,” next to your list of accounts you now see a pane  labeled “Make a Payment.” We are told you can tell — after you’ve jumped through the hoops to schedule and make a payment (which in this new protocol requires more clicks than before) — how payment will be made: look for an icon next to the amount scheduled to pay. Lightning bolt means e-payment; envelope means snail-mail. But…those icons are not visible on the customer’s end. The CSR is unaware of that.

Farting around with this today took SO FUCKING LONG it would have been easier, faster, and infinitely less aggravating simply to have written checks, stuffed them in envelopes, choked up a half-buck apiece (!!!!!!!) in postage, and driven them over to the post office. (No. You can’t put them in your mailbox and flag them for the mailindividual to pick up. That would be insensate. They would be stolen long before the mailperson arrives, which these days is usually sometime after 5:00 p.m.). Half my morning was wasted with the simple chore of trying to pay the goddamn credit-card bills.

Well. Admittedly: I did have to transfer $2,800 from savings to checking to cover the homeowner’s and car insurance. But that took all of about 30 seconds.

So the point here is that this kind of electronic futzing to get simple clerical chores done is

a) endlessly annoying;
b) endlessly time-consuming;
c) endlessly unproductive; and
d) not something on which I wish to spend the limited amount of time left to me on this earth.

I don’t want to learn it. And once learned, I don’t want to do it.

And it is entirely possible that because of my age, I can’t learn it. The issue may very well be more than don’t want to.

Lately it has become painfully evident that I’m no longer competent to do even the chores that I’m (supposedly) good at. Long after editing and proofreading a document, long after sending it off to the client, I will happen to revisit something and discover…holy shit! Glaring errors interposed by me in the form of typos and passages that the computer has dorked up without my noticing it. Obvious inconsistencies or errors on the part of the client that I have inexplicably missed — despite proofreading, despite proofing again behind the computer’s “dictation” function that reads it aloud.

It should be impossible for me to miss these things. But…it is not.

Many of these errors have gotten past me and gone back to the client. That is a freaking menace.

Even in my own creative work, I come across weird stuff: chunks of copy moved…but moved to the wrong place and left there unnoticed. Inconsistencies. Typos. Wackshit stuff that would never have escaped attention even five years ago, to say nothing of ten or fifteen.

Week or two ago, I volunteered to do receptionist work for the church. They have a whole crew who staff the front desk during the weekdays. I should be competent at that: my first full-time real-world job was working as receptionist at a law firm. And I loved it. Best job I’ve ever had, except for the editorial job at Arizona Highways.

After sitting at an experienced person’s elbow for two shifts — six hours, all told — it occurred to me that I cannot remember how to operate the very simple phone. It is like a real switchboard and it is not like a real switchboard. It’s enough not — and staff’s wishes and nonwishes are complex enough — that it’s going to be difficult or maybe even impossible for me to learn how to do it.

Then we have the fact that I’m no longer a cute young girl. Back in the day when I had an acceptable face, no gray hair, and 34-23-36 measurements, my cuteness over-rode the strangeness of my personality. The god’s truth is, one reason I’m not good at marketing books (besides the fundamental laziness) is that I do not do well with people. I annoy them and offend them and do not know how or why.

This has been true since I was a little girl. In grade school, I had no friends. The kids simply hated me. By second grade (no kindergarten in those days), I’d alienated them all — well, except for one little girl who was as weird as I was. She was taken back to the States in the third or fourth grade. Some years later — after we also had come back to the States — I walked into an empty classroom where two girls were fooling with something in a closet. With their backs turned to me, they didn’t see me come in. And they were both going on about how much they hated me. I didn’t even know who they were! Couldn’t have told you their names to save my own life.

My guess is that today I would be “diagnosed” with a mild case of Asperger’s. I don’t get along with people because I don’t read their expressions well, I don’t pick up on their tone of voice well, and little verbal hints they drop often fly right past me.

Which, I suppose, explains why the more I get to know people, the better I like my dog…

These things were overlooked when I was a sexy young woman married (or about to be married) to a prominent lawyer. Today: not so much.

At any rate, I suspect that it’s best if I’m not around other human beings, for their happiness and for mine.

So that leaves, as a money-making gig, adjunct teaching. Online.

I loathe adjunct teaching. I’m not all that fond of teaching when I’m paid a respectable salary. But the sub-minimum wage that adjuncts earn is just plain insulting. After a semester of that stuff, you’re left with the same question: Why am I doing this?

Yeah. Why AM I doing this???

“Retire”…or no?

Cassie-off-leash
The endless doggy walk…

So this morning it occurred to me that maybe I should chuck all the paying work and call it, once and for all, True Retirement. Maybe what I really want to do in life is what SDXB does:

nothing

The truth is, I don’t want to work very hard. But on the other hand, the truth is I don’t work very hard. 🙂

The plan to build a substantial amount of exercise into daily life (so the mental argument went) will absorb a lot of time from my days. But the third truth in this calculation is that I spend an inordinate number of hours per day glued to computer screens. Frequently — not once in a while, but quite often — I will roll out of the sack, stumble into the office and check the email, then the news, then the work in progress, then Facebook, then Nextdoor, then the local news, then the email again…hours pass before I notice that I haven’t even fed the dogs.

This morning the poor little dogs didn’t get fed until after 9:30! And since we all overslept until 7:00 a.m., they must have been very hungry critters by the time I noticed it was past time to produce their chow.

But that’s not uncommon. I often sit around till 8 or 9 o’clock before feeding them or me. All of that time is pretty much wasted time: diddled away at the computer.

That is why I’ve become so sedentary and why I don’t get any exercise: I kill so much time diddling with or (sometimes) working at the computer, I can easily sit from 7 in the morning till 10 at night without getting up more than two or three times.

Is there a question why I have high blood pressure?

Well… I do like the work I do, almost as much as I like getting paid for it. And my business partner is now hot to change our business plan, reverting to a strategy used by a previous incarnation of the little corporation…when I had a co-conspirator who was pretty good at landing small government contracts for publishing and editorial projects.

These would, indeed, pay us a fair rate — which we do not get, most of the time, by working for individuals. And as she pointed out, two decent contracts a year would support us both.

So: that tends to work against the urge to board up the doors.

Daydreaming while making this morning’s dog-free walk, I wandered into Inner Richistan instead of heading directly home from the park. This added a half-mile to the stroll, making it a two-mile power walk.

Having noted the time I left, when I got home I discovered that the little journey had taken all of 34 minutes.

A mile-long doggy-walk takes about 20 or 25 minutes.

A yoga routine: 20 minutes.

One set of physical therapy exercises: about 10 minutes.

Let us suppose, for fudging’s sake, that a dog-free walk of two miles takes 40 minutes and a one-mile dog-walk takes 30 minutes. Two physical therapy sets are required per day.

So that would give us an exercise regimen that would add up to 40 minutes + 30 minutes + 20 minutes + 20 minutes: all of 110 minutes. That’s less than two hours.

At this time of year, days are short. I don’t usually wake up much before 7 a.m., and because it’s dark and often chilly, I go to bed early, around 9 p.m. That gives fourteen hours of usable waking time. In other words, I can do two hours of exercise and still have 12 hours left in which to do honest work.

Or what passes for it.

In the summertime, when we get up at 5 a.m. and go to bed around 10, the available workday time is 17 hours.

The problem here is not that I need to retire; it’s that I need to get off my duff.

Retirement: The Cost of Living

So, let us continue to mull over the splendid new device that I put on the pool: On reflection, I realized that because the thing will make it so much easier for me to care for the pool, it will delay the need to hire someone to do the pool maintenance for several years….or to give up living here and move into an old-folkerie. Possibly, if my health holds, for quite a few years: nothing that remains to be done is very strenuous. I would have to be seriously incapacitated to find myself unable to do the minor jobs that remain.

In other words… The $1250 I put into upgrading the pool equipment will put off the dread day that I have to move into a life-care community — possibly by a factor of years.

And every year that I do not move into one of those places saves me, in today’s dollars, the net on the sale of my house (about $300,000, the cost of buying into a life-care community) and living costs of something between $333 to $2,400 a month. In other words, every year I do not move into a warehouse for old folks, I keep the value of the house in my estate, hopefully to be passed along to my son, and I save a big chunk of dough every month.

How do I figure?

Welp, it goes like this:

Life-care communities — where you move in while you’re still ambulatory, live “independently” in a private apartment, and get a couple of meals a day plus, if desired, a limited amount of driving to doctors and shopping — are spectacularly expensive, and those expenses are spectacularly difficult to calculate. This is because there are several schemes for buying in. On the low end, you can effectively rent the place without a large buy-in. On the high end, you pay a six-figure buy-in fee plus a hefty monthly bill: basically you sell your house and give the outfit the proceeds of the sale.

Assuming your house is paid for, that is.

It’s also very difficult to get a handle on exactly what those costs are likely to be. Many of the figures posted online are several years out of date — they increase with inflation at about 4% a year, but you have no way of knowing exactly what a 2009 average figure would be in 2018.

In 2013, Marketwatch reported that the average buy-in fee for a life-care community was $280,618. That would be about what I would net if I sold my house today — maybe a little bit less. Now add 4% a year over the past five years, and you’re up around $341,400 — i.e., more than I could get for my house, after realtor’s fees.

A 2008-09 study by Metlife found monthly costs for these places ranged from $2470 to $3469. Again, if these figures have increased by 4% a year, today that could be as much as $3750 to $4748 per month!

These figures represent nationwide averages. Locally, in Scottsdale one of the few places — possibly the only place — that posts its prices online wants $243,200 to 283,200 to buy in to a one-bedroom apartment (remember: this is the equivalent of the net proceeds on the sale of a 4-bedroom home on a quarter-acre of xeriscaped land with a swimming pool, in a half-way decent centrally located neighborhood within walking distance of the lightrail) PLUS a monthly fee of $3260-$3600. That’s only for food, lodging, and minimal transportation. For one person. One. Not two. If one bedroom is too cramped for you, then you might consider one bedroom plus a den: entry fee, $297,400 to $411,000; monthly fee: $3700 to $3900.

Well. To live in my house, which is paid off and which has one hell of a lot more liebensraum than one measly bedroom in a people warren, costs me about $1,545 a month. Toss in groceries, a few unplanned expenses, and the cost of running the paid-off car, and you come up with something between  $1,600 and $1,767 a month.

That not only gives me all the very high-quality food I choose to eat, it also gives me a car that takes me any place I choose to go at any time of day I choose to travel. It covers the cost of yard and regular house maintenance, plus utilities, taxes, and insurance. In other words: it covers more than the palace in Scottsdale costs. By how much?

Subtract the monthly costs of running my house and my car plus my average grocery and utility bills from the monthly amount it will cost me to live in one of those places (assuming I’m unfortunate enough to live long enough to have to move into one of them), you get a difference — in my favor — that ranges from as little as $333 a month (for a low-end retirement home, where you really, really do NOT want to live) to as much as $2,400 a month (very nice, no doubt: but still…an institution).

What that boils down to:

Every month that I live in my house, I save approximately $1600 to $1767 a month over what it would cost to live in that Scottsdsale old-folkerie. In other words, every single month that $1250 filter stands out there in the backyard helps to make it possible for me to stay in this house is a savings of more than the filter cost.

And that doesn’t count the cash value of the house, which I would very much prefer to leave to my son.

Banner image: The Village at St. Barnabas. By Generic1139 – Own work, CC BY 3.0, https://commons.wikimedia.org/w/index.php?curid=41879989