Coffee heat rising

Riding the train for fun and profit

dollarMy first official commute to the Great Desert University on the new light-rail trains was a great success!

The ride was quiet, comfortable, and uneventful. People-watching was reasonably good: a young mother with a cute baby, giggling teenagers, rangy young men, goofy high-school boys, spiffy office workers, and one brightly dressed mental case who carried on a flamboyant conversation with herself.

Commute time was about the same as the horrid drive to Tempe: about 40 or 45 minutes. Only instead of having to spend three-quarters of an hourdodging homicidal maniacs andstaring at thousands of tailpipes snaking endlessly through dreary concrete ditches, I got to sit back and read a book.

More specifically: page proofs. I spent the entire time proofreading a detective novel for the Poisoned Pen Press, a highly entertaining enterprise. Got through about a quarter of a short project for which I’ll probably charge around $200. At that rate, I earned $50 while I was commuting to work.

Uncle Scrooge would love it.

Scrooge McCool
Scrooge McCool

Photo: Wikipedia Commons

DIY Deodorant

Moving on from the Great Desert University to ever so much more important topics, check out this recipe for homemade deodorant. Came across the link at Over the Cubicle Wall, a site whose proprietor seems to be a person after my own heart, via Frugal Scholar‘s blogroll.

Like the whole DIY destinker idea. I’m allergic to most commercial deodorants. Have been known to use plain baking soda, but it’s messy and gritty. A friend has tried one of those crystals; they’re said to work pretty well, but they also are messy: you have to get it wet and then it gets you wet.

Right now I’m using Tom’s, a reasonably benign brand you can get at Sprouts and Whole Foods. Sometimes other items in the Tom’s line appear in mainline stores (spotted the toothpaste in Target the other day!), but more often you have to seek them at New-Agey and health-foodish retailers. And the deodorant is really hard to find.

OMG! Cassie the Corgi just threw a rope toy, spinning end-over-end, about four feet over her head and caught it on the down-sweep. Now she’s throwing the thing at me. I guess she wants me to get up, eh?

This dog is bar none the smartest animal I’ve ever had around me. She actually has learned to pitch a ball into my waiting hands.

And so, off to the playing fields. Happy Easter Egg to everyone!
😀

A day to unwind

This morning SDXB plans to come into town. We’ll drop my car off at the ineffable Chuck’s Auto Service for routine service; then drive in his truck back to M’hijito’s house, where we’ll park the junk and walk to the lightrail depot. Our plan is to ride all the way to the end of the line, getting off midway at the campus for a picnic lunch. This, we hope, will make for an effective way to unwind from the emotional roller-coaster that is the layoff melodrama.

Weather is supposed to be iffy today, but I don’t think it will matter much because we’ll be inside the train most of the time. In the unlikely event that it actually rains much, we’ll punt and go to a movie instead.

Yesterday I ran the numbers again and found that a 6 percent drawdown from total savings will allow me to stay in my home and continue to help pay the mortgage on the Investment House. It frosts my cookies to have to draw out that much from savings. However, my advisors tell me that at 6 percent the fund will last another 100 years; at 8 percent, it will last 50 years. Since I’m not likely to last that long, myself, I guess it will be OK.

In 2 1/2 years, I’ll be able to earn any amount I want above and beyond Social Security; by then Funny may be generating some cash, and also by then the economy may be reviving a bit. Signs of life are out there: my big Fidelity fund made $3,800 last month, the first gain in several months. The guys at Stellar say that the economy will lag the stock market by about a year. So if we’re seeing the market start to improve now (and last month’s increase wasn’t just a fluke), then happy days may be just around the next bend. If that’s the case, maybe I can cut my drawdown at the age of 66 and find some other way to generate enough to live on for a while. Then when I reach the point where I can no longer work, there’ll be enough left that I can take a larger cut to cover expenses.

Yesterday I spent most of the day in a flying rage. A very minor incident triggered all the fury I feel toward My Beloved Employer, and I swear to God I didn’t come down off the ceiling until after dinner at La Maya’s house. Even as I was walking home from her place late last night, I was still mad as hell. This layoff business literally has set my psyche on a roller-coaster: from elation (no more hated drives to Tempe! no more bullshit!) to depression to abject terror (how, really, am I going to live? are we going to lose the house? both houses?) to profound anger and loathing.

The community college needs an official copy of my transcripts sent directly to the chair of the department. So I called over to the transcripts office and asked where I should go to purchase the same. The woman who answered said the “Student Services Building.” Whoever heard of such a thing?

“You mean,” said I, “the building that’s all the way down Rural Road on the other side of the railroad tracks?”

“Yes,” said she, “but if you’re on the clock, you can just come over here. Come on up to the cashier on the second floor.”

Yeah. So I traipse off campus, get my car, navigate through the usual hellish traffic on University, dodge a murderous fellow driver on Rural, park illegally (there’s no legal parking near the building), and march inside.

As I’m enjoying this mini-ordeal, for some reason the single worst incident that I’ve ever had at GDU comes to mind.

The College hired me to found and grow a unique editorial office, which is the only operation like it anywhere in the world. My dean and I were told we were to enlarge this office steadily so that it served a large number of faculty editing scholarly journals. We needed a graphic artist.

About a year into the thing, one of the most prominent graphic artists in the Southwest, a very talented and highly-paid woman, was laid off her job with a large regional magazine, as the publication (like all magazines) was hemorrhaging readers. On the job market, she wanted to design books and periodicals. She applied to our office for a 50% FTE position and at the same time applied for a full-time job in the President’s office. The f/t job would have had her designing posters and ads, something she just abominates. She wanted our job because it would provide her health insurance and leave her time to develop her own business, for which she had clients standing in line.

The people in the President’s office were pushing her to say whether she would take their offer. Meanwhile, the Dean’s office as usual was dragging its heels. Finally, written permission came down to give her an offer. By then, she was in Vermont attending her son’s college graduation. I reached her on her cell. She accepted our offer and then called the President’s office to say she was turning theirs down in favor of ours.

And therein lay a problem: she shouldn’t have told them where she was going.

Out of sheer spite, the Dean of Deans (not Her Deanship, who herself is an underling in that bureaucracy) cancelled the hire. That was after I had given her an offer in writing and after she had accepted!

It was, of course, wildly illegal. By now she’d lost the only other offer she’d had, which as repulsive as it was to her at least would have put a steady supply of bacon on the table. I gave her the name of a lawyer, handed her the written permission to hire I had from Her Deanship, and advised that she sue the university up one side and down the other. The bastards would have settled for enough to support her freelance business for the rest of her life.

Back to 2009: ruminating about this incident as I’m driving over to the Services building puts me in a state of stratospheric dudgeon. All the reasons I hate, hate, HATE Our Beloved Employer come pouring back into my dainty little mind. The place is run by people who act out of pure meanness and petty vengefulness, and their nasty tricks create real harm for innocent bystanders like my art director friend. It’s quite enough to make your employees miserable. But where do you come off screwing with members of the public?

I enter the building, hoping no campus cop comes along and tickets my car while I’m dorking with this procedure, and the receptionist where the cashier is. She says I have to do this in Human Resources.

“Huh? They’re not going to take my credit card in there!”

“That’s where you have to go.”

So I stalk into HR. Now I’m furious. I glare at the wretch working the reception desk and say aloud, “I hate ASU!”

“Pardon me?” she asks.

“I hate this place,” I say. “I can’t say how glad I am they’re canning me!”

She looks alarmed. I explain that I need to pay to have my transcripts mailed to a new employer.

She now looks puzzled. “Who told you to come here?”

“The receptionist in the lobby.”

“But…?”

“That’s what I was told. The transcripts people told me to come to the Services building and fork over ten bucks.”

“Oh. That’s the Student Services building! It’s on the campus…” She breaks out a map.

To get there, I now have to drive all the way back to the metered parking north of the campus, hike a good half-mile, then hike back to my car.

“Screw it!” say I. “I’ll just mail them a check.”

There’s no ball-busting hurry, after all, to get the transcripts over to the college: the new job doesn’t start for another five months.

So…as you might surmise, I can use a day to unwind!

Funny to go commercial

In the near future, Funny about Money will transform into a monetized site. The doughty Mrs. Micah, who has started a blog consulting service, is helping to make the changeover.

This is a scary adventure for moi, because I’m really not very techie. But you turn into a pillar of salt if you don’t keep trying to learn new things. 🙂

The design will be slightly different. We have found a three-column template that’s very similar to the present White as Milk theme, so I hope the change won’t be too jarring.

Funny’s traffic has been steadily increasing ever since it moved to WordPress.com. It’s now averaging nine or ten thousand discrete hits a month, which I think may be enough to generate a small income from advertising.

The site doesn’t have to make much to be very helpful. Until I’m 66, I’m not allowed to earn more than $14,000 without having Social Security docked. What that means is that every $2,400 Funny earns between January and August is a freshman comp course I won’t have to teach in the fall. If we get this project up and running now, we should know by layoff day, December 30, how much Funny will earn.

LOL! Any day I’d rather blog than actually work.

A few spots of light

This morning it was off to Paradise Valley Community College, for an interview with the English department chair.
Item: I nailed not one, not two, but three adjunct courses, which should net around five grand between now and the time I’m canned.
Item: This guy treated me like a human being, of all the bizarre things!

No joke. He gave me the grand tour of the campus—even took me to view the classrooms where I’ll be teaching!—and, after introducing me to faculty members, the departmental secretary, the head librarian, and some people whose functions I didn’t catch, delivered me in person to HR. I couldn’t believe it.

Bizarrely, people working there don’t give the impression of having been beaten down like so much threshed wheat. Morale seems nowhere near the basement, where it resides at a certain vast desert university. People were cheerful, they looked rested, they appeared enthusiastic and active. If they’re faking it, they’re doing an impressive job.

The campus is quite attractive. It borders a golf course (!) and is set amid tracts of newish middle- to upper-middle-class housing. Buildings are clean, bright, and sunny. None of them smells of the solvent used to remove asbestos, as does (still!) a certain building of which we know.

The chair forked over a list of requirements and desiderata for the college’s freshman comp courses. Incredibly, you only have to assign four papers in English 101 and three in English 102. The jaw drops. To put the jaw on the floor, courses are capped at 25. This will be so astonishingly easy.

The $5,000 I should net from this part-time gig can go into savings to help the transition into penury. Anything I happen to pick up from freelancing will be stashed for the same purpose.

From there it was over to the financial advisor’s.

What’s been keeping me awake at night—what has driven me to the quack in search of soothing drugs—is the certainty that no matter how I work the numbers, the combination of a 4 percent drawdown from savings, my piddling Social Security entitlement, and the $14,000 I can earn without losing SS dollars is just plain not enough to survive on. First, I can’t live on it. Second, I most certainly can’t pay my part of the mortgage, either, and we will have to default on the Investment House. Default. Walk away. Be stripped of honor and credit. Lose our shirts. Both of us, me and M’hijito. Oh, God!

Well, Advisor pointed out that I could actually draw down a little more than that without risk of ruination. He also pointed out that M’hijito should be able to carry more of the mortgage, which would make it possible for his aged mother to stop worrying and maybe even to stay out from under the Seventh Avenue Overpass. Drawing down enough to live on will reduce the expected lifetime of my savings from 100 years to 50 years. Since I don’t plan to live another 50 years, this should be a reasonable strategy.

So. Things are looking up. Relatively speaking.

Stockpiling scheme pays off

w00t! My plan to stockpile food, thereby limiting trips to grocery and big-box stores, is already paying for itself. Ten days into the current budget cycle, I’m $425 in the black (!!!!!). Last week I spent a grand total of $55 on a few catch-up items. This week, I’ve spent $120, of which $13 went to gasoline. About $40 went to food; the rest covered OTC meds and household goods. There’s plenty of food in the house, and fresh veggies thriving in the garden.

Normally, the first week of a budget cycle would go right straight into the red. In the pre-stockpiling regime, I would regularly run out of food (and everything else) near the end of the month. So, in the first week of each cycle I would have to make a gigantic Costco/Safeway/Target run, because the cupboard would be bare. Last month, before the stockpiling strategy kicked in, I was $75 in the hole against my first week’s microbudget; the preceding month’s first week, 36 cents in the black; in December’s, $270 in the red.

Now what I’m doing is keeping a running record of things that are starting to run low. Because there’s no hurry to restock, I can wait until these items come on sale, or until I have time to drive across the city to a cheaper emporium.

A fresh set of grocery-store and big-box ads came in the mail yesterday evening. Taking advantage of the sales, I expect, will allow me to expand on the hoard without having to devote cash in savings accounts to the project.

Goal: Have six months’ worth of food and household supplies in the house by Layoff Day, December 31, 2009.