Coffee heat rising

A Night on the Town

Just bought a ticket to a chamber music performance that will include Karen Knudsen, one of the choir’s professional altos. I love listening to these talented artists perform—they all have lovely voices (one has a magnificent voice, IMHO). Next Tuesday’s concert, part of the annual Bach Festival, will feature Bach cantatas and include oboist Marian Buswell, organist Scott Youngs, violinist Stephen Redfield, and cellist Jan Simiz.

If you’re in central Arizona, you should consider attending one or more of the Bach Festival performances. They’re really top-flight, and a ticket for a concert is only $25 ($20 if you’re in your dotage). Five concerts will take place over a week, from January 8 to 14. Here’s a list of the events.

{sigh} Wish I could afford to go to all of them. As it is, though, one twenty-dollah hit means no meals out for me this month. Twenty bucks blows my “entertainment” (hah!) budget direct to Hell.

Had an interesting insight over the weekend, as I was setting up a Quickbooks Online account for my personal accounts. Between the $2100 drawdown from savings and the $1080 Social Security benefit, net inflow to my checking account is actually just about what it was when I was working full-time for GDU.

So…why do I live in a constant state of penury?

Because I’m paying my share of the mortgage on the downtown house out of pocket, instead of out of long-term savings as I was doing when I had a job and when the stock market was whaling along magnificently, and because I’m having to pay over $130 a month for Medigap and Medicare Part D.

So my available income (if you can call drawdowns from savings “income”) is $865 a month less than what it was in 2009.

No wonder I feel pinched all the time. And no wonder going to one inexpensive concert means I can’t go out to lunch for an entire month.

Explains a lot, doesn’t it? There’s a reason I’m working like an animal but still feeling like I have to live like an anchorite. Dang. All an anchorite has to do is tend his garden and pray all the time.

Welp, speaking of working like an animal, I agreed to spend a day with friend KJG, whose house is way to heck and gone out at the White Tanks. Will have to leave by 9:00 a.m., but I still have a project to do for a client that has to get done this morning.

So…to work.

 

Moments of Light

Moments of light: that’s what Wordsworth called those instants of transcendent vision that our excellent pastor calls the “thin places” between this flesh-bound world and the view of spiritual reality. It’s surprising how little it can take to elicit an “ah-hah” moment, the “I can see clearly now/The rain is gone” insight.

A day or two of peace and quiet and several seven-hour nights of decent sleep are all it’s taken for me, this time around. As the avalanche builds while our beloved McBoingers concoct their final, most brilliant papers they’ve ever written, only a few excused late stoont paper have remained to be read. M’hijito’s decision to take vacation time coinciding with a holiday sprang me free of a full day of performance and grading also freed me from hectic puppy-sitting, allowing me and Cassie to rest, exercise, and think. (Well. I don’t know if Corgis think, although I suspect they do. But the Human certainly did a fair amount of thinking.) Thanksgiving at our friends’ house, replete with a bottomless well of free booze, provided six hours in which to stop focusing on workworkworkworkwork and to tie a fairly large one on.

Thinking and drinking. Drinking and thinking.

And here’s what I think:

Mark Twain was right when he said some writers are tone-deaf. We see that most clearly when we force writing out of souls for whom text-messaging is a challenge. For me, reading composition papers must to be akin to what our highly educated, musically sophisticated choir director would feel if he had to hear all forty of us, professionals included, screeching some classical piece off-key.

“When a person has a poor ear for music,” said Twain, “he will flat and sharp right along without knowing it. He keeps near the tune, but it is not the tune. When a person has a poor ear for words, the result is a literary flatting and sharping; you perceive what he is intending to say, but you also perceive that he does not say it. This is Cooper [substitute “the freshman comp student”]. He was not a word-musician [not by a long shot!]. His ear was satisfied with the approximate words.”

It is painful for me to read the stuff so carelessly dumped on my desk. When I said, after several years of supporting graduate school by teaching English 101 and 102 courses, that I would go on welfare before I ever taught another freshman comp course, that is what I was talking about. This morning it was all I could do to keep what remains of my mind on those gilded words long enough to comment on them and assign them a score. Absolute agony.

Insight #1: I really, really, REALLY don’t want to do this for the rest of my functional life. If I have to, I suppose I will, because I can’t make ends meet right now. But if I can find another way, I’ll take it.

But…but would I take the full-time teaching job for which I’ve applied, were it offered?

Insight #2: Damn right. I’m in terrible straits financially, and I can’t go on like this much longer. Pay for full-time faculty in the district runs on the high side of respectable. Five or ten years at that grindstone, as painful as it sounds, would allow me to recover the losses to my retirement savings that happened when I was laid off my job. And it would be enough to let me buy the last car of my driving lifetime and get myself into a home that will accommodate me until they cart me off to Hospice.

So. Yes, she said. Yes.

howEVER….

Insight #3: Truth be told, I do not need $65,000, $70,000, $81,000 to get by just fine.

If a miracle happened and the church happened to offer me the rather interesting job it has open just now, for which I happen to have applied, would I accept it and its amazingly low salary?

Oh, yes, she said. Yes!

Money-wise, the ridiculously low salary would combine with Social Security to provide a living wage: $45,000 or $48,000 gross.

I would love to work for the church, partly because I love the church and partly because I truly do believe I can do the job.

Would there be a learning curve? Sure.

Can I do the tasks? Yeah: I’ve been doing all those for the past five or ten years.

Would I be willing to pay, out of my own pocket, for specific training to do that job ? Darn right: give me an offer and today I would sign up for an accounting course, or I would bribe my accountant to train me in GAAP and the application thereof.

Moment of light: Any day I would rather enter numbers in spreadsheets, ride herd on financials and employees, and keep an office hanging together with paper clips and Scotch tape than read another student paper.

🙂

Here’s another moment of light: the American Dream, Formerly Affluent Boomer rendition.

O

M

G

!

Just look at that place!!!!

I know that neighborhood. I’ve haunted it in the past, when prices were way, way, WAY beyond my price range. A short sale, however, brings this updated little babe right down to what I think I can net off the house I’m living in.

Lookit that kitchen! Okay, okay…no gas. But hey! I hardly cook anymore…in the depression that accompanies Old Age, I don’t feel like eating, much less like cooking. And do I or do I not have the Propane Barbecue of the Gods? If I want to do some serious cooking, I’ll take it outside.

Lookit those patios!

Lookit that yard! Is that or is that not Cassie Heaven? It’s even Human Heaven. NOOOOO swimming pool!!!! Lookit those patios! Lookit those trees! Lookit that privacy!

Well. There is a swimming pool. Someone else gets to take care of it. 🙂

Lookit those acres of greenswards, all common areas. Cassie would not even have to walk a block and a half to sniff every waft of dog pee ever deposited on this earth. At least, in her limited little doggy universe.

Lookit those freaking DOUBLE-PANED FRENCH DOORS AND WINDOWS. Oh god oh god oh god. I think I have found nirvana.

Let’s hope no one has found it before me.

I have asked the credit union if I can prequalify. I have asked a friend in my business group if he can round up some investors who will lend me enough for a bridge loan, damn the usurious interest rates. I. WANT. THAT. HOUSE.

Moments of light.

Have you spotted any lately? What are they?

 

w00t! Am I gonna get a RAISE?

So despite our getting a slight cost-of-living increase in Social Security, we’re told that Medicare premiums will go up much less than expected. Most of the news reports natter on about how the new premiums will rise to $99.90. That of course causes me to go “huh?” because my premiums are already $111 a month.

But lo! Here at the Washington Post we learn that those who pay more will see their Medicare premiums drop to $99.90.

Can that be? It’s a miracle, if it’s so! If it’s true, then I should see about a $40 or $45 increase in net government dole for 2012.

That will just about cover the increase in property taxes. Significant, because I couldn’t afford said increase.

Well. I’ll believe it when I see it.

Meanwhile, another small miracle: the American Express bill arrived this evening. And hallelujah, I indeed did manage to stay UNDER BUDGET last month. Not by much—about fifty bucks. But fifty bucks is fifty bucks. That much more to spend this month.

$🙂$

Real Estate, the Neighborhood, and the Ideal Dwelling

Sally, my neighbor to the north, remarked as she was dripping sweat in the alley that she thinks it’s time for her to find a smaller place to live, one with little or no yard work. Yesterday we chatted some more about real estate, the virtues and nonvirtues of our neighborhood, and what we want to live in as we dodder into old age.

I’ve already looked at a few of the condos my Realtor has shown me lately and thought she might like one or two of them, so I forwarded the MLS descriptions he’d sent. She says she wants to move to Scottsdale, not downtown. He’d sent a couple of listings for Scottsdale places, but I could only find one of them, a two-story patio home. Dunno about Sally, but I figure two stories is out of the question for the place where you expect to holler your last hurrah. I don’t want to climb up and down steps every ten minutes now, much less in another ten years when I’m getting really decrepit.

Sally’s determination to move bodes poorly for the Funny Farm. She is the best person to have as a neighbor: quiet and responsible about upkeep. She does not litter the driveway and the street with her rolling stock. She does not allow the paint to peel or the roofing shingles to curl. She’s not a raving mental case. Best of all, she has no barking dogs and no screaming children.

Whenever a neighbor moves, it makes one nervous. It’s such a crap shoot, what moves into the vacant property. Around the corner—mercifully out of earshot from my yard—some moron keeps a big, barking dog locked out in the backyard at all times. The animal is never taken indoors, and that (sensibly) is where it wants to be. It barks and cries nonstop: literally. It never, ever stops barking and begging to be let in out of the heat or cold. Apparently the neighbors complained, so the idiot owner had its vocal cords cut, to little avail. Now it makes a nonstop hoarse, groaning bark, a sound that’s even more disturbing (given the cruelty of the human’s behavior) than the only slightly louder normal barking.

Since the morons seem to outnumber you and me and Sally, I naturally worry about what kind of chuckleheads will move into her house.

Sally’s restlessness exacerbates mine. She’s almost ten years older than I am, and right at the point where yes, she probably does need to get into a smaller, easier-to-maintain place. Me, I could last another decade here. But I’d kind of like to get set in a place where I could reasonably live out the last years of my life before I reach the point where I absolutely, positively have to move.

The place on Portland is really very nice in many ways. It’s almost perfect except for its cramped size. If it had a den in addition to the two tiny bedrooms, or if it had just a little more living/dining space, I would jump at it, even though it is on top of a freeway. But I just can’t imagine spending the rest of my life in three tiny rooms.

The two big problems with my house (besides the encroaching blight) are that it has four bedrooms and I only need two, and that it has a pool, which I don’t think I’m going to be able to care for many more years. A pool requires daily work and is a hole in the ground into which you pour money.

Otherwise, there are many, many things I love about it and that I really don’t want to forsake. For what I can afford, it’s very hard to beat this house. Therein lies the problem: I run around the city and look at perfectly acceptable places but find them wanting compared to what I have. When I do find something that has everything I want and nothing I don’t want, the cost is way more than I could get for my house.

Every time I go through this exercise, I find myself listing pro’s and cons: what’s good about this place, what’s good about that, and so on ad nauseam. This morning it occurred to me that since that strategy gets me nowhere, it might be more useful to consider what my lifestyle is like—or at least, what I value in my lifestyle—and then think about what a house needs to have to accommodate those qualities.

Here’s what happens when I try to codify that thought:

What, in daily life, do I do or like to have that the dwelling needs to accommodate?

I love to sit outdoors. I’m not crazy about gardening or doing yardwork, but sitting outside to eat, edit copy, or relax is an important part of my daily life.
I have a dog and probably always will have a dog until I’m too frail to care for one.
I prefer not to have to drive far through homicidal traffic to get to shopping, work, and social life. Centrally located dwelling minimizes driving.
Because I can’t afford to travel, I use the house and yard as a vacation venue.
I really should be walking or running every day; so need safe, pleasant places to walk, bicycle, or hike.
I crave quiet. Don’t like to be near traffic noise and would prefer to be out from under the helicopter flight path.
I cook outdoors more than indoors. The gas grill is not an option.
I cook almost all my meals at home and so need a roomy, well equipped kitchen, preferably with a gas stove.
In the winter and spring, I live on fresh oranges. And I love fresh lemons and limes from the backyard.
I dislike housework and am not fond of yardwork; the house needs to be low-maintenance and easy to clean.
I spend most of my time in front of a computer and hardly any of it in front of a television. The house needs to have computer or office space but does not  need room for a TV/entertainment center.
I love the park (i.e., open space), even if I’m not walking the dog or exercising.
I do use the pool all summer.
I use the outdoors as living space, and expect to be able to come and go in privacy.

A house that would accommodate these quirks would look like…what?

Two or at most three bedrooms
Updated kitchen with gas stove
Enclosed garage with storage cabinetry
Centrally located
Reasonably far from blighted areas
Small, quiet yard with sitting and outdoor cooking areas; at least one shade tree and space for container gardening
Very private
• No pool
Sybaritic bathroom; or at least one with a tub that has a view of something other than the toilet
Far from airports, freeways, and main drags
Centrally located

And what does that describe?

Yup. The house that I’m in. Or…it comes very close to it.

Given that you can’t have everything—it may be, for example, that I never will be able to afford a place that fits that description in a better part of town, and in a city like Phoenix, it’s impossible to find quiet—maybe what I need to do is rebuild this place so that it can and will shelter me in old age without killing me.

Looking again at the pro’s and cons of the house and neighborhood I’m living in:

What qualities do I most like about my house? What elements do I dislike or feel concerned about?
Citrus trees Pool
Covered deck and shade trees, creating great outdoor sitting area Yard maintenance and costs
Gas stove Two bedrooms too many; having to air condition more space than I use
Skylights Worsening blight in surrounding areas
Full room dedicated to office space Noise from flicking helicopters; planned double-decker freeway will increase traffic noise.
Desert landscaping (relatively low maintenance) Lightrail, if it’s ever built, will exacerbate blight along 19th.
Central location Not a disability-friendly building—narrow doors, steps
Close to son, choir, and friends
Ample storage space; place for freezer
Outdoor gas and charcoal grills

One of the neighbors remarked that if this neighborhood were going to succumb to the creeping blight, it would have done so by now. I don’t know about that…nothing lasts forever. However, let’s assume it stays moderately safe, especially if the resident is armed with a nice little Ruger, for another ten to fifteen years. In that case, there are some things I could do to make the place work for an aging Boomer:

The totally unused room is adjacent to two bathrooms: plumbing and drains are right on the other side of the east wall. I could pull out the shower stall in the joke of a minibathroom that serves the tiny master bedroom and install a door, joining the two bedrooms through a pass-through half-bath. Then, put in a fine sybaritic bathtub (actually, I’m thinking one of those fake claw-foot things made of the plastic stuff that’s ludicrously easy to clean), lots of lights, and a set of cabinets to serve as a dressing table. Hang capacious and handsome mirrors over and around this dressing area. Replace the louvered folding closet doors with mirrored sliding doors. Replace the aged, tacky aluminum-framed window with French doors opening onto the back patio.

This would at least make that room useful. The existing bathtub in the hall bathroom could then be replaced with a shower stall that’s accessible by wheelchair; the doorway into that bathroom could be widened to make it possible for a wheelchair or walker to get in there.

Alternatively, I could move the storage in the front secondary bedroom into the unused back bedroom; move my office from the adjacent front secondary bedroom into the so-called master bedroom, tear out the wall between the two front bedrooms, reroute one of the AC vents, rebuild the entrance to the (now new) room, tear out the ridiculous closets and install a large walk-in closet, and end up with a very nice, huge master bedroom. This, too, would eliminate completely unused space and improve living space.

Replastering the pool, which will have to happen in about five to eight years, will cost $8,000 to $10,000 in today’s dollars. For about the same amount, I could fill in the pool. So…why not take, say, $20,000 to fill in the pool, jackhammer up the hideous KoolDeck, and relandscape the backyard, extending the shade cover the length of the back and planting a big, gorgeous emerald paloverde out there? This would eliminate the entire pool care issue and extend the low-maintenance garden, making the back sitting area much more pleasant and cutting power and water bills significantly.

Welp. I have to get up and go to work, so this little reverie needs to end. But…it’s something to think about: would it not be better to make this house work than to try to move to a different house, with all the hassle and expense that entails?

118° in the Shade… Or, Why I Want to Move to YARNELL!

Not an exaggeration. By midafternoon the temp on the covered porch in back was 118 degrees. Fahrenheit, that is.

It’s 9:00 p.m. now and the heat persists: 105 in the dark. This afternoon I needed to make a quick Costco run, pump some gas, buy a couple of necessities. Walking across the parking lot made one’s skin feel burnt, exposed to something way, way too hot. God only knows what the temperature was over the asphalt surface. I sure don’t want to know.

A tiny storm blew across the Valley late in the afternoon, not enough to drop any rain to speak of but plenty to drop a bushel of devil-pod leaves and seed pods into the pool. Whee!

In Yarnell, the seedy little above-the-Mogollon-Rim wide spot in the road I dream of—my Gloccamorra, my Bali Hai—the heat topped out at 98. The night will drop to 75 degrees, and as we scribble it’s 85 up there. Tomorrow night will be around 70 degrees, and the high on Monday will be 88.

Yesterday KJG and I drove up to Yarnell, where we spent a fair amount of the day hanging out with La Maya and La Bethulia, who are happily reclaiming their weekend home from La Maya’s sister and BiL, who, after renting it for four years, have succeeded in finding their own home, down in the Chino Valley. La Maya is especially thrilled to have her escape from GDU back. La Bethulia, who spent rather more time than she wished on the roof fiddling with the swamp cooler, has other ideas…sale, for example.

But oh! it was so cool, so quiet, and so lovely up there! We visited our favorite purveyor of tourist gewgaws, the Yarnell Emporium, where a short in the electrical system had knocked out the air-conditioning. Our favorite saleslady was disgusted: melting in the heat, said she. Inside the shop, we thought it was pleasantly cool. One person’s 85 degrees is another person’s Carlsbad Caverns cool.

Don’t believe me? Along about 7:00 p.m. this evening, the AC in my house was set to 80 degrees. And so it was in the hall, in the middle of the house as far as possible from an exterior wall, where the thermostat dwells. The bedrooms? 82 degrees. The kitchen, where nothing for dinner was cooked indoors? 88 degrees.

Back in Yarnell (that would be yesterday), La Maya remarked that the house their friends Bill and Joe rebuilt and turned into a sweet little palace is for sale. Wouldn’t we like to see it?

Well, why not? What else did we have to do? So we dropped by Hill Top Realty and asked a bored Realtor if she wouldn’t like to take us over there. Hot dang…anything to get out of the office! How many times can a person manicure her nails in front of the computer?

So with a little ado, she extracted the alarm system code and a few other key bits of information from the listing agent, and off we went to view the place.

O. M. G. Is it sweet!

Big kitchen with tons of cabinet space and counter space. Dishwasher, a rarity in Arizona’s rural towns. Breakfast nook. Huge separate dining room.

Master bedroom: larger than my family room and dining room combined. Current owners have a king-sized bed and all the bedroom accoutrements in there, and a set of overstuffed chairs and accompanying tables and lamps in there.

Two other bedrooms, one as large as my master bedroom.

Vast living room with a beautiful fireplace.

A separate office, off the dining room looking out onto the boulder-strewn backyard.

Backyard: good freaking grief. It backs onto a great pile of granite boulders. When it rains, a waterfall pours off the boulders into a well designed, rock-lined drainage stream that directs the water down through a side yard and away from the house.

Shrine. You have to be there...

The backyard is very private. It cannot be seen from the neighbors’ yards. There is a trail through the rocks above, part of the world-famous Yarnell Shrine. The occasional tourist would stroll by…and by occasional, we mean “rare.”

In the side yard: A raised garden with soaker hoses and wire shelter to fend of the javelina and hungry birds.

Front yard (huge!): a spectacular art fountain procured from a Prescott artist. Trees. Ornamentals. Blue spruce. Xeric landscaping. Peaceful, pretty, quiet. One house from the end of a cul-de-sac.

Two-and-a-half-car detached garage: room for a ton of storage, the Dog Chariot, and a nice golf cart for junketing around town.

No pool. No effing helicopters. No traffic roar. No sirens. No heat.

Gosh.

They want $199,000 for it, about what I probably could get for my house if I’m lucky. However, Realtor Lady remarked that these days Yarnellites will accept just about any bid they get. She suggested just coming up with a figure and offering it: nothing ventured, nothing gained. If I could get it for $150,000 and it really doesn’t need any upgrades or fix-up (on the surface, it appears to be a turnkey sort of thing), I could afford it.

On the other hand…

My son is down here.

All my friends are down here.

Choir is down here.

My pseudo-job is down here.

The pseudo-job, I could deal with: rent an apartment or camp out with SDXB and other friends for the days I have to physically coalesce in front of a classroom. A pain in the ass, but doable.

Hm. Because the house has a separate, dedicated office, both of the secondary bedrooms could function as guest bedrooms: enough space for two couples to come up out of the heat. Allll summer long. The friends problem could be addressed.

Yarnell.

 

 

Car: Budget (and wheels) rescued

Okay, so we all remember how Chuck, the redoubtable owner of Chuck’s (Awesome, Incredible) Auto Service, opined that the work needed to keep the aged Dog Chariot running would come to some $1,300. And how this led me to speculate that now may be the time to raid my Car Savings and purchase something newer, jazzier, and more fuel-efficient.

Well. Yesterday the Chariot had its second major surgery down at the car hospital, and the mechanics handed over their bill:

$786. And change.

Say what? “Did you include the price for fixing the oil leak last week?”

“Yup. This is the total.”

Good thing I didn’t decide to trade the thing in, eh?

My decision to keep it was based on the theory that $1,300 is a far cry from the $20,000+ a new car will cost. Think of how much farther a cry $786 is!

Awesome! This will mean I just may not have to raid the long-term living expenses fund to pay the bill.

I’ve got about $538 left in the budget, to last 22 days. That’s more than enough if I don’t eat out or diddle away money on clothes or buy booze or indulge in any similar distractions. Somehow I think I can get restrain myself for three weeks. Let’s say I have $200 left from the regular discretionary budget by the end of the June/July cycle: that leaves $586 to scrounge up somewhere.

Conveniently, about $1,700 remains in emergency savings, despite the dental bills, a large chunk of which were paid for out of that cookie jar. Of course I don’t want to draw it down by $600 (give or take). But I certainly can. It gets replenished at the rate of $200 a month, so if no more ridiculous things happen (yeah…), it will be back to normal in three months and looking flush in four or five months.

Meanwhile, the boys down at Chuck’s believe the car will run pretty much trouble-free for another 50,000 miles. One of them thinks it could run well for another 100,000 miles!

I put about 10,000 miles a year on a car. At that rate, the Dogmobile will last another five years.

In five years, I’ll be 71 years old (holy gawd!). If I buy a new car then, it should run at least ten or twelve years, maybe longer. By then, it’ll be time to quit driving.

In other words, if the Dog Chariot runs another five years, the next car really will be the last car I’ll have to buy. Hallelujah!

Not that I’m in any hurry to shuffle off this mortal coil… But among my favorite things to do, buying cars ranks up there with…oh, having a root canal without anaesthetic. I just loathe dealing with car salesmen. Much, much worse than dentists!

And…I have enough savings to buy one, count it, (1), more vehicle in my lifetime. If I buy a car now, it probably won’t last until I’m forced to get off the road. Unless things magically get a lot better (and between you and me, I believe the exact opposite is in the works), I can’t imagine how I could possibly come up with the cash to buy even a second-hand car in 2021.

So, driving the Chariot until it falls apart like the Minister’s One-Hoss Shay is going to work out. Very nicely.

🙂

Image: Colorized car engine. en:User:Amal. Creative Commons Attribution ShareAlike 3.0 License.