Coffee heat rising

Liveblogging the Budget

So, here I am, back at the dentist’s office, cooling my heels until he can squeeze me in to deal with the latest little emergency. God only knows how much this will cost. Nothing, I hope. But we don’t bank on hope, do we?

Saturday night the filling he installed a month ago—less than a month ago—crumbled and fell out. with any luck, he’ll stand behind his work, since I haven’t been chewing ice or cracking walnuts with my molars.

However, in all honesty, I suspect he can’t be blamed. The pain from the torn rib muscle has revived my bruxing habit. Well, the bruxing probably never goes away: I’m sure I still clench my teeth on the rare occasions when I’m sleeping. But in the past week, when every minor task like lifting the dog’s dish off the floor has brought a surge of agony, I catch myself clenching my teeth to force myself to keep moving through the pain. When you unconsciously clench, your bite can exert a pressure of 140 pounds per square inch, which no doubt doesn’t help a filling compound.

What with the cost of gas and the ever-rising grocery bills, I no longer can stay on budget. Over the past few months, I’ve run $200 to $320 over budget every month, at first because of the occasional extravagance like the shoes and the cheap jewelry and now simply because it’s costing every penny budgeted just to live. One modest extraordinary expense puts me in the red—and since the budget includes $100 to $150 for unplanned expenses, that means the base cost of living has risen about $100 to $170 a month.

To make up the difference, I’ve been raiding monthly savings (a.k.a. “diddle-it-away money”). But that is a very finite source. If the overspending continues at that rate, my little mini-emergency fund soon will be gone…and then what?

I can use my tax refund, I suppose, but that also is finite.

Welp, it looks like this is what’s gonna have to happen here:

1. Must replenish that short-term emergency savings account; and
2. Must get spending under control.

Putting money back into savings turns out to be relatively easy: instead of transferring a paycheck over to the joint mortgage payment account, I just moved it into the ravished savings account.

I’ve been putting all my community college pay into a joint account with M’hijito, which holds money to cover current and future mortgage payments. Since my share is $8,604 a year and I net $10,800 when I’m teaching three sections a semester, obviously I’m earning more than enough to cover that bill.

Yes. The operative phrase there is when I’m teaching three sections. There’s no guarantee that I’ll always be able to teach three-and-three. First, the school has no obligation to hire me to teach the maximum number of sections available to adjuncts; and second, even when the chair assigns me to teach three sections, if one class doesn’t make, then I don’t get paid for it. The magazine-writing section is particularly iffy. Each semester we’ve watched with bated breath, expecting it to crash in flames. So far it’s always filled at the last minute, but in any given semester there’s a good chance it won’t make. A course load of three-and-two would net $9,000, a scant $400 more than the amount needed to pay my share of the mortgage.

So…as you can see, raiding my pay for $916, the amount I grabbed last week, is ill-advised.

I will use my summer pay (net $3,840) to live on while the extreme heat here pushes living costs to extreme heights. But that won’t begin to materialize before mid-July. In the interim, the horse starves while the grass grows. During the second half of May, all of June, and the first half of July, I’ll have exactly zero income other than Social Security, and so will have to live on savings. And that means I can’t be running over the budget.

So. “Must get spending under control” surfaces as the most important part of the two strategies, and the most difficult.

These budget overruns have been happening while utility bills are very low. I’ve hardly run the heat all winter, and in the past couple of weeks only turned the AC on a few times to knock the heat in the house down enough to sleep at night. Air-conditioning bills will add about $140 a month to the power bill and about $50 a month to the water bill.

How to make $190 materialize out of a budget that’s stretched to the max? Well…not sure.

• Avoid driving, to the extent possible.

All the extra cost here is coming from gasoline. As much as I try to keep it down, what was an $80/month bill just a few weeks ago has jumped to $120+ per month. The weekly trips to the Scottsdale Business Association’s breakfast meetings will end when summer school starts in July, since I’ll have to be in front of a classroom by 7:00 a.m. four days a week. I may have to weasel out of those sooner, though. It’s a wash, though: the school’s about as far away as the restaurant where SBA meets. All errands will need to be folded in with trips to campus, and shopping will have to take place along that route.

What this means in practical terms: I can not drive anyplace for socializing, curiosity, or fun.

• Cheapie down the food bill

More beans, less meat. Unfortunately we’re coming to the end of the season when veggies will grow in my meager garden, so lettuce and other veggies will have to come from the grocery store. I’ll need to buy produce of lesser quality from cheaper stores than Safeway.

• Quit drinking all beer and wine.

That one’s a no-brainer.

• Short the dog on the quality of her food

Watch the ethnic stores, which sometimes run a little cheaper, for inexpensive chicken and pork.

• Let the hair grow out.

Gonna have to give up on the short hairstyle, I’m afraid. Long hair doesn’t have to be cut every four to six weeks.

• Reinstitute the detailed, tightly categorized budgeting system for discretionary spending.

I’d thought I could get rid of the OCD stuff and just keep a running tab: $800 – x, y, and z as the costs came along. But apparently that’s giving me a false sense of confidence. I need to know, at any given time, how much I’ve spent on items like gas, food, clothing, and the like, and how much is available to spend. This does allow me to shift spending in response to unplanned expenses and increased costs.

I figure I drink three bottles of wine a month and maybe three four- or six-packs of extremely fancy beer. At $10/bottle, the wine is running $30 a month, and the $9 packs of beer would add up to $27 a month, for a total, with tax, of  $62.35.  No haircut represents a saving of $50 a month. We’re at $112 right there. Since gas prices sure aren’t gonna go down and I’m already restricting my driving as much as possible, about the best we can hope for is to keep the monthly gasoline bill stable. That’s leaves $78 a month that will have to come out of groceries, at least until my summer pay starts. But let’s remember that, absent unplanned expenses, I’m already running as much as $170 over budget, before the summer bills hit. So the real amount that needs to be economized, with sumer y-cumin’ in, could be somewhere between $178 and $248. A month.

Wow! That’s a lot of beans, eh?

§ § §

Update

Well, no. That wasn’t the new filling that crumbled and fell out of my mouth two days ago. It was the tooth itself.

That’s right. About a quarter of the tooth just fell apart and broke off, for no good reason other than old age and probable bruxism.

So. Instead of one new crown, to replace the chipped crown I’ve been delaying fixing because it’s not doing any harm, now I need two new crowns. The broken molar is in the upper jaw directly above the crown. If my jaws are going to fit together right, both crowns need to be fixed. Now, not later.

For the crowns alone, not counting a new $350 night guard, the tab will be $2,695! And now I’ll have four gold teeth glinting in the sun every time I smile or open my mouth to speak. Lovely.

That’s my entire tax refund!

I’d planned to use that to help me get by during the two months when no pay will be coming in, and then use whatever remained to further delay the time that I’ll have to take a drawdown from my brokerage and IRA accounts.

It’ll have to be done as soon as they can get me in. With the sharp edges smoothed off, my teeth no longer fit together evenly, so my bite is lopsided. Just imagine the headache, jaw pain, and ear-buzzing that will cause.

Oh well.

It’ll certainly make this year’s medical bills tax-deductible, too, just like 2010’s.

😥

Image: Effect of bruxism on an anterior tooth. No artist given. GNU Free Documentation License.

Good (and Not-So-Good) Friday

Okay, we have no idea how many days into Lent we are, because we are innumerate and cannot count up a total if the figure to be calculated exceeds the number of our fingers and toes. Therefore, let us offer up the last couple of thanks to God, who has more important human errors to marvel at.

Lenten thanks, Day 39

Dogs, God…thanks for making dogs. Nice microcosm of the in-Your-image paradigm: a creature at once magnificent, hideous, merciful, merciless, kindly, fierce, forgiving, angry, best friend of humanity, dangerous nemesis.

Lenten thanks, Day 40

Thank you, God, for making the human a musical creature.

At the risk of enraging Her, I’d say this has been a Good Friday from Hell. Except it really hasn’t—by midday it was hugely redeemed.

The Cassowary is happily chasing tennis balls around the house. She is not vomiting and shitting blood, as expected, and since she’s not doing that now she probably won’t be, at least not anytime soon. I hurt all over my body but probably will get over it in a week or two.

The emergency trip to the vet set me back only $90, somewhat less than expected. Thank God (set that type in Lenten purple!) I had not made my usual start-of-the-billing-cycle run on Costco…we’ll be holding off on buying groceries for awhile! The nocturnal trip to the Mayo’s ER should set me back little or nothing, if the pricey Medigap policy works as advertised.

oohhhhhhhhhhh what a night, what a day!

But things could be worse. Much worse.

Earlier this week, in the midst of rehearsing a performance of Tavener’s Lament for Jerusalem (listen! the choral part is on the far side of the orchestral section) and fielding what appears to be an infinite number of semester-end student papers and reading an ARC for The Client (well…the favorite Client) and seeking out The Pup of 2011, I took it into my feeble little brain to do a little terraforming in the backyard. Building and reinforcing a berm to hold water under the big orange tree (rather than having it flow downhill under the back gate and into the alley), I hunker down on the ground, reach out simian-style, grab a 5-pound rock, lift it…and damn near faint from the stab of pain that penetrates my chest.

It feels like the stiff waistband on my jeans has shoved its way through the fat and come up under the ribs and yanked on the rib cage, in an up-and-out motion.

Holy God, what pain!

At first I thought, “Have I perforated my liver? Where is the liver, anyway?” Then thought I must have fractured a rib. As the wave of pain receded, I realized it felt exactly the way your achin’ back feels when you first put it out. Concluded it was probably a muscle spasm. After I caught my breath, I went on about my business. This seemed like it ought to be hunky and dory, except…

Over the next day or two, it got worse. Progressively worse. A lot worse.

Last night I had to lie down on the floor to fish a tennis ball out from under a piece of furniture, whence it had fled Cassie the Corgie. Only way I could reach it was to lie on my back and stick my arm under the cabinet as far as I could reach. Success…ball back in the welcoming jaws of the dog….and…

I could. not. get. off. the. floor.

No. The torso hurt so much I couldn’t lift myself off the ground. All the phone extensions were a long way away, and up on top of other pieces of furniture.

Uh oh.

It took a while, I don’t know how long, before I could force myself through the surge of agony required to climb to my feet. Omigod, it hurt!

So I staggered down the hall, grabbed an icepack out of the freezer, and lay down on the bed. After a bit, this seemed to calm things down, so I moved on with life: cleaned up the kitchen in a half-assed way and went to bed.

Along about 1:30, the usual insomniac awakening occurred. Dog wanted to go out. I needed to go to the bathroom. Went to climb out of the bed, and oh my GOD what pain! Take-your-breath-away pain; as in literally I can’t breathe. Managed to get the dog off the bed—getting her back up there was out of the question, and getting myself back onto that elevated bedstead was a bit unlikely, too. Began to wonder if I’d broken something after all. Or done more serious damage.

Finally about 2:30 a.m. I presented myself at the emergency room. The advantage of going to the Mayo in the wee hours is that you actually get some attention, contrary to what you will experience at any other ER in the city. I was out of there by 4:00, bearing a doctor’s opinion that I’d probably torn a muscle but not broken a rib and carrying a prescription for an addictive painkiller. {sigh}

Back to bed; out of sheer exhaustion, fell asleep and stayed asleep until around 7:30. Looked up the addictive painkiller online; decided some things are worse than a terminal backache situated in your ribs.

Had time between the end of breakfast and choir call to putter around the yard. Out front, discovered I could lift my arms well enough to pull off some of the desert willow’s new suckers, which have sprouted since it was so massively mutilated by the roofing vandals. Cassie is also puttering around the front yard. I look up and notice she’s digging and…and eating. What????

She’s in an area that was covered by an overgrown bougainvillea, until Gerardo trimmed it back so Jack the Handyman could paint, by way of repairing some of the hail damage. Mine is a corner lot, and so every passing turkey that drives by dumps trash on it. Once a month Gerardo comes over and, among other things, gathers the fast-food wrappers and drink cups to haul them to the dump.

So she could be eating the remains of a Burger King or a McDonald’s. Or…

The neighbor across the street has declared war on the roof rats. She puts rat poison out along the tops of her block walls. And where does a sickened rat go to die? Right: under the shrubbery. Under, for example, an overgrown bougainvillea.

I can’t find the remains of any animal—no feathers, no fur, no beak, no bones. If anything organic and animal was there, it’s decomposed in the leaves and compost from the boug. But Cassie’s mouth has recently been full, she’s going smack, smack, smack, and she stinks. She smells of some sort of chemical. The ground where she was digging has a similar stink.

I call the vet’s. Her assistant says, “Can you be here by 10:00?” It’s ten to ten. I say, “I’m on my way.” I scoop a bunch of the smelly dirt into a plastic dog, toss it and the dog into the car, and race to the veterinary, wending my way around every moron in the city who feels compelled to get in front of me and drive 10 mph under the limit!

We arrive at the vet’s. They park us in the very examining room where I had to say good-bye to Anna the Ger-shep. Then they come and take Cassie away from me. I sit there and start to cry.

Some time later, the vet comes in. Her opinion? In a nutshell: I dunno. They can’t tell anything from the amorphous crud I’ve hauled in. The dog seems OK, but it’s probably too early to see anything. The biggest risks are that she’s swallowed something that could harm her gut or that she indeed has eaten a poisoned rat or mouse. The vet thinks there’s some probability that even if she has consumed a dead rodent, she may be OK, warnings on the outside a the rat poison box to the contrary. At a bit of a loss, she suggests we try a prophylactic course of vitamin K, which is what they give animals that have swallowed rat poison, and pray for the best.

At 11:01 a.m., I stumbled into the house with the dog, unwashed, untooth-brushed, and swathed in dirty jeans and a sweaty T-shirt. Choir call for the Good Friday concert is at 11:30. I wrap a pill in a slice of chicken, hand it to the dog, and run for the shower. Arrive at the choir room at 11:27 with wet hair, face free of make-up, and body barely clad in a pullover dress.

What was it the ER doc said? Slow down and let that injured muscle rest! Oh well.

The music was just awesome! We sang the Taverner lament to a marvelous orchestral setting, directly after the stations of the cross. The effect was stunning. The centerpiece of the senior choir is a small ensemble of professional and semiprofessional singers who are capable of carrying the day. Our director had selected two soloists—an alto and a soprano—to sing the parts in the recurring “cosmic laments,” and they were both splendid. What a privilege to be allowed to play a tiny part in supporting such wonderful performers.

So that erased the Not-So-Good from Good Friday.

It’s almost 6:00 p.m. I’ve dosed myself with a fine dinner and my favorite analgesic  (alcohol!), and still the little dog needs to go for a walk. By the time I’ve limped around the block with her, I will be capable of nothing more.

And so, soon, to bed. Happy Passover, Happy Easter, Happy Whatever to all of you.

Prius Batteries: Yikes!

A couple on the choir drives a Prius around town. They live on the west side—in Sun City West, which is quite a ways to the west—and so to get to the activities they enjoy in their retirement, they have to do a substantial amount of driving.

Yesterday evening at choir they reported that the Prius’s batteries died, to the tune of thirty-three hundred dollars! Yes. That’s $3,300 for new Prius batteries. The batteries were warranteed for five years, and our friends have had the car a few months longer than that.

Wow! That about made up my mind about the Prius. I don’t think these are wealthy folks—before they retired, she was a teacher and he a minister. From things she’s said, I gather they live frugally.

I sure couldn’t afford $3,300 to replace a car’s batteries, and I’ll bet it’s a stretch for them, too. At least they have two Social Security checks coming in…but they also have to buy food, clothing, and meds for two.

We’re told that, other than the batteries, the Prius is cheaper to maintain than a conventional gasoline-operated vehicle. Let’s think that through.

If it gets 40 mpg, it achieves approximately twice the mileage my Sienna does. I’m now paying about $110 a month for gas, or $1,320 a year. Because a Prius is a hybrid with a gasoline engine as well as the electrical component, the cost of routine maintenance is about the same. Some insurers will give Prius owners a little discount; others charge more—so we could call that a draw, too.

So, all told, if the mileage is twice as good as a fairly clunky gasoline-only vehicle, one would pay about $660/year for a modest amount of driving (I average about 10,000 miles a year).

Meanwhile, since few of us have $3,300 sitting around the house waiting to be spent on a new battery pack, the average frugalist suffering from a chronic aversion to debt would want to self-escrow enough to cover the cost when, after about five years, it comes up. How much would that come to? Well, $3,300 ÷ 5 years = $660 a year.

Yes. Exactly the gas savings engendered by owning a hybrid vehicle.

In other words, every penny the car saves you in gasoline will have to be set aside to pay for new batteries! Unless, of course, you buy into the idea that you should get a new car about every three years. Calculating that cost is more than my feeble brain can contemplate.

Image: 2004-2008 Toyota Prius. IFCAR. Public domain.

This post was featured in the April 27, 2011 Festival of Frugality at Consumer Boomer.

Puppy Love: How to tell if it’s the real thing

You want me:

“Walking vet bill”? Say what? What’s that supposed to mean? Have you taken leave of your senses?

Indeed. You don’t want me. You want two of me!

LOL! Yes, I’m afraid these little furballs are the objects of M’hijito’s affection. Well, not these specific furballs, but their soon-to-be future siblings, expected to appear on the scene in two litters along about mid-June.

For some time, my son has been taken by a variant of the golden retriever known as an “English” golden. Basically, it’s the same breed, only the English type has a preternaturally light coat. They’re white or white with a pale, pale blond top coat. The head, especially on the male, is blockier than the golden we all know and love, and breeders claim (without, it appears, much justification) that the animal is more sound than dogs from the American line. Whatever. You have to admit that it’s a very beautiful dog. Here’s a candid of Dad, a.k.a. Cabot, surveying his domain:

Here’s a more formal portrait of the other future dad (we hope): the breeder recently imported semen from Karvin, a Finnish megachampion. Check out the “don’t you wish you could look like this” pose…

Then we have the “drop dead, you!” pose of one future mom, Tesse:

The other, Daisy, is just as elegant:

The breeder we’ve settled on, Golden Reflection, has two sets of pups due in mid-June, one by Daisy and Cabot and the other by Tesse and Karvin. We’re leaning toward the Daisy-Cabot litter, mostly because the cost will be significantly less (don’t even ask what it costs to import frozen dog sperm from Scandinavia).

Sunday evening we hired a sherpa and trekked to outer Mongoli Mesa, where this outfit resides. We wanted to meet the proprietors, inspect the premises, and see the dogs before deciding on this breeder or another, located on the far side of the Apache Trail. That Cabot character is absolutely spectacular, every bit as gorgeous as he appears in the photo. Their females are very beautiful, too, and all the dogs have calm and friendly temperaments.

But far more important than the handsome dogs is what’s behind the handsome dogs. Big dogs like this certainly can be (and often are) walking vet bills, largely because of the hereditary health issues that come with years of careless breeding: hip dysplasia, elbow dysplasia, eye problems, heart failure—those are just the big ones. Treatment for hip dysplasia, for example, entails lifelong pain medication plus, depending on how inclined you are to impoverish yourself, surgery that can go all the way up to complete hip replacements, to the tune of $2,400 to $4,500 per hip, plus the follow-up evaluations at $200 to $300 a hit. Some breeders will tell you that elbow dysplasia is even more crippling and debilitating than the hip disorder.

So. Before  you fall in love with a cute little pup, you’re well advised to look into the background of the sire, the dam, the doggy aunts and uncles and grandparents going back as far as you can find them. Thanks to the Internet, this is no longer an impossible task.

The Orthopedic Foundation of America (OFA), an organization that tracks orthopedic and genetic problems among dogs, maintains databases showing the results for dogs that have been tested for a number of major hereditary ailments. Reputable breeders have their dogs tested, usually more than once, and they should take great care in selecting a sire or dame for their planned litters.

Many breeders, however, are not reputable. Never take a breeder’s word for it that a bitch or dog has no health problems in its background. Look it up for yourself.

Case in point: during our puppy search, we encountered the other breeder I mentioned, whose pups will be ready to go in a few weeks and who is anxious to get us to buy one. Nothing will do but what we must hurry to put down a $500 deposit, “before all the males are gone.” (What will it take to get you to drive this puppy off our lot today?)

Not in any rush to jump off that cliff, I entered the person’s sire and dam into the OFA database search function. And I entered the names of the ten other breeding females this breeder showed on its web page. The simplest way to mine the database is to enter the full name of the dog in a search box. If this doesn’t bring up any data, go to the dog’s pedigree, get the OFA or registration number, and enter that.

First warning bell: many of the dogs’ ancestors had never been tested for hips, elbows, eyes, and heart at all. The most recent testing I saw was dated 2008.

That, in the lifetime of a dog, is a long time ago. Breeding dogs need to be tested more often than that.

Looking further, I noted that one of the dam’s siblings had severe hip dysplasia. Neither of these are good signs.

Enough with that!

Returning to the Golden Reflections site, I copied and pasted Tesse’s long, involved official name into the database and discovered she’d been tested in 2009, 2010, and 2011. Her hips tested good, her cardiac condition was normal, and she passed an eye test. One of her offspring, still owned by Golden Reflections, showed similar test results. Her sire had a minor eye issue that is not thought to be heritable and probably has no effect on the dog’s vision. Cabot has been tested twice in 2009 and twice in 2010. Heart is normal; hips are normal; elbows are normal; eyes show a different condition whose heritability is not known, described as “common in goldens” and “not a concern.” Daisy was tested in 2006, 2007, and 2011: heart normal, hips good, elbows normal, eyes free of problems. Among Daisy’s half-siblings and forebears, I could find only one dog with an abnormal hip test: “preliminary borderline,” which means only that the test results were ambiguous and the dog needs to be tested again later—”most dogs with this grade (over 50%),” say the OFA guidelines, “show no change in hip conformation over time and receive a normal hip rating; usually a fair hip phenotype.” A half-sibling to Daisy’s sire, born in 2000, had degenerative joint disease in one elbow. Otherwise, none of the dogs that show in these records tested positive for the classic hereditary problems.

There’s a big difference between someone who’s breeding dogs that haven’t been tested in four years—or have never been tested at all—and a breeder whose dogs’ health records are complete and recent. And there’s an even bigger difference between one whose vague testing reveals a case of “severe” hip dysplasia (that is very bad) and one whose dogs show almost no ancestral background of hip, elbow, eye, or cardiac disorders.

In the purebred puppy biz, it’s caveat emptor from the git-go. The dog breeding business is infested by clueless amateurs, careless breeders, and downright shady operators. If you want to buy a dog with a fancy pedigree, it’s up to you to educate yourself not only about the breed’s nature and temperament, but also about the individual breeder’s stock.

Here are a few resources that can help:

• Dog Breed Info Center
• Wikipedia: Look up your desired breed
• The ABC’s of Buying a Purebred Puppy
• British Columbia Golden Retriever Club on whether you really want a puppy at all
• American Kennel Club index of breeds
• AKC Breeder Referral
• AKC Breed Rescue Contacts
• Pedigree Database
• The specific pedigree database for your desired breed (Google the breed name + “pedigree database”)
• Local breed clubs (Google them or ask your veterinarian)
• Local breed rescue groups (Google, again)
• Any discussion of a breeder on a breeders’ forum for your desired breed (Google the breeder’s name or the breeder’s name + the desired breed)

A reputable breeder should guarantee the puppy’s health and be willing to take the animal back if its health fails (note that many will say they’ll do this, but few actually will do it). The breeder should show a keen interest in your reasons for wanting the dog, your experience with the type of dog in question, where the dog will live, what you intend to feed it, and even who your veterinarian is. He or she also should ask you to return the dog if you find you can’t care for it.

Be careful out there!

😉

This post was featured in the 33rd Canadian Finance Carnival at Tom Drake’s Canadian Finance Blog and in the 16th Totally Money Carnival at StupidCents.

 

Sumer is y-cumin’ in…

Lenten thanks, Day 37 (or so):

…Lhudly sing huzzah!

Another set of student papers are read. Another 90-degree day. It’s still storming in the South; still cold in some parts of the country. But here spring (such as it is) has almost passed, and in just a couple of weeks the cool evenings will be over and the heat will rise.

With all the winter rain we’ve had, it’s been a spectacular spring. Check out a few sights from around the yard…

Intersections

Lenten thanks, Day 36

Somewhere out there, a little wilderness survives. Thank God.

Here’s an essay I came across while searching for something for my students. Short on ideas today and even shorter on time today, I offer this in lieu of anything even faintly related to personal finance. It was written a long time ago…

What happened the other day, I suppose, compares to meeting a coyote at ten paces. Your eyes touch the other’s impossibly yellow eyes, each of you at once shy and fascinated; neither of you can pull away, and you sink into each others’ gaze. When the spell lifts, you turn from each other, you go your own ways, and you wonder how much or how little time has passed.

It started as a routine day of idle exploration. I look at the photographs I took that afternoon, though—a gravestone marked “Epimento Martinez, Dec. 23, 1902—Jan. 18, 1991,” a wreath of red roses spelling out “DAD,” mist-gray clouds stacked over blue mountains—and they remind me that at rare moments we encounter extraordinary junctures of ordinary days, where one life intersects another. The connection is so short, the instant of a gnat’s wing brushing against your neck or a cicada’s song rising out of the brush. But that infinitesimal exchange subtly alters one life or the other, perhaps both. After that things are not the same.

People at the inn where I stayed in Santa Fe suggested I take the high road to Taos. A new friend, David Bandler, said he’d heard it called “the artist’s way”—for its scenic qualities, we imagined. Whatever the etymology, it sounded better than a freeway.

So that August morning I headed for Española in search of Highway 76. It wasn’t easy to find. Had to stop in Española’s photocopy-center-cum-bus-station to learn I’d overshot it at the Long John Silver’s. The counter clerk, a small-town girl not long out of high school, sent me back the way I had come. “You follow the signs to Chruchas,” she said. Pondering the AAA map in the car I realized that “Chruchas” is spelled “Truchas” and wondered whether the photocopy lady had a speech defect or whether the local version of Spanish has “tr” as “chr.”

Highway 76 made a tour of Española’s funkiest districts and then escaped into open pasturelands. Grassy vistas dotted with adobe structures spread on either side of the road to low cloud-mantled mountain ranges.  The road passed through rural villages whose main trade seemed to consist of farm produce stands and shops that bill themselves as “folk art galleries.”

As I climbed higher into the bucolic hills, I came across a tiny cemetery full of white crosses and concrete markers gaudy with plastic and silk flowers, each grave like those roadside shrines where someone’s memories of a daughter, a son, a parent, a spouse, a brother, or a sister are laid out for everyone to view. All together, the gathered stones made a place of striking beauty. If I came back this way, I decided, I would stop here and visit the dead.

At Chruchas I got lost again. I missed the main road and wandered down a lane where the people live. Narrow, old, and decrepit, the adobe-lined road looked medieval. You would imagine the common folk of thirteenth-century Spain lived in just such villages.

The place was populated by dogs. No people: only dogs, and they owned the town. Some, conservative burghers, promenaded along the roadside. Others sat in their front yards and watched their fellow citizens pass. Two delinquents hung out on a corner and played a game of bark-at-the-car. It came to me that Santa Fe, with its stucco-over-Styrofoam “adobes” mandated by law, is like a movie set: someone’s sanitized idea of how an adobe village ought to look.

When the single lane I was following dissolved into a narrow dirt path, I figured this couldn’t be the high road to Taos. So I turned around and passed back through the village.

The real high road ascended into the mountains, where a blue-black weather front was already beginning to spit rain. Part of me knows better than to drive into a Southwestern storm. Another part relishes the prospect—perhaps not so much the passage itself, but the bragging rights it’s likely to bring.

Before I reached Truchas, I had stopped at a tourist trap called Los Siete, where a family of artisans was selling woven rugs in colors a bit too bright for authenticity. But I bought a crudely made pottery Storyteller figure for only $35.00—a gift for my son’s new home.

A young man, the proprietor, told me how his family made the rugs—and that I believed. In the same sweet, relaxed tone he said the Storytellers were made by local people. Amazing, I thought unkindly, how close Taiwan can get to home. But he spoke gently and graciously, and he remarked that it looked like rain in the direction I was headed.

I’ve been wet before, I said, and I haven’t shrunk yet. After that trip from my Arizona ranch down Yarnell Hill—in those days something in excess of a 6 percent grade—when the rain sluiced down so hard I couldn’t see the end of my car’s hood, much less the void beyond the unfenced edge of the road, nothing much could faze me. So I decided to go on despite the dark clouds. Now in Truchas as the first raindrops fell, children spilled out of a slouching house and frisked in the early sprinkle. They danced, their arms spread wide to heaven, until someone called them inside.

Reassured that people lived in this place, that the population had not after all been enchanted into dogs by some rustic sorcerer, I started into the mountains. Passed a stretch where the grade rose sharply and the road twisted like a cord off its reel.

Then it began to rain.

No. It began to fire-hose.

Water gushed onto the road. Ahead, a dun mist rose from the pavement: rain was bouncing off the asphalt and blending back into the new water falling from the sky. A three-foot-deep tide of fog coated the highway. I could barely see the ground. Thank god, not many cars were coming my way.

The rain started to hammer the car’s sheet-metal shell, and I knew some of it was hail. The bounce-mist, impossibly, thickened. I groped for the defrost button as the windows fogged, fearful to take my eyes off the road or my hands off the wheel. Ice began to gather on the road, rivulets of rain braiding across it like water twisting down an arroyo. Quickly, though, the little streams froze, and beneath the vibrating haze a sheet of white, solid ice formed. As far as I could see through the forest—forest! Where had all those trees come from?—the ground looked like three inches of new snow had fallen.

Now hail was crashing onto the car. The windshield, already cracked, rattled and banged like a kettleful of popcorn. Been here before, done this before, I reminded myself. No more cars came down the mountain, nor was anyone coming up behind me. I shifted into low gear and crawled uphill as slowly as the car would go. My mood oscillated between artificially bored calm and the nausea of suppressed panic.

When a yellow “steep grade” sign materialized out of the falling ice, its toy truck rolling down an ironing board propped at a 45-degree angle, I knew the time had come to turn back. The last car that had passed coming down the mountain was running with its parking lights on; I didn’t see it until it was almost at my front bumper. But a fair stretch of uncurved road lay before me, and my car is white. I hoped any comer would spot it as I backed and filled to turn around without sliding off the slick pavement. Mercifully, no one came along. That was scary, too. What if my car broke down here? What if it slipped on the wet ice and careened off the mountainside? Who would place a cross by the road for me? Who would drape it with plastic flowers?

By the time I reached Truchas again, the hail had stopped and the rain slacked off, though the bruise-blue clouds were sliding down the mountain toward the town. Relieved, I headed back in the direction of Santa Fe.

Not a mile beyond the village, I came upon the cemetery again. A pickup sat by the gate, the kind of gate a rancher builds into his stock corral, and I could see a figure in the graveyard. A mourner, no doubt, or another tourist. I parked the car on the south-bound shoulder, grabbed my camera, and, leaving the engine running, crossed the road.

About when I reached the grass, a second truck hissed up the road and bounced across the oncoming lane and onto the margin. The driver seemed to take aim at a puddle, where his tires came to rest and sank up to their hubcaps.

He spun his wheels. His tires dug in. He threw it into reverse, gunned the motor, and rocked the vehicle back and forth. For a moment it looked like he was rocking himself toward the earth’s core. I worried: Was I going to have to help this clown?

Happily, not. He roared himself free. Then he took off down the road, as though wallowing in the mud were all he had in mind.

The bright graves beckoned. I stretched, stood on Birkenstocked tiptoe to clear the top strand of the barbed-wire fence, and snapped a couple of pictures. Inside the cemetery, a man watched. He started to walk toward me.

Must be the caretaker, I thought.

“I just about landed myself in a cemetery,” I said. “So I thought I should visit this place.” My word-sounds made excuses: surely he would think it disrespectful to snap souvenir shots of some family’s graves.

“Did you almost have an accident?” he asked. His voice was friendly. He had already reached the wire fence and stood, half a foot taller than me, looking amiable enough.

“No. Just got into a really bad hailstorm. I’ve been in some weather before, but that was a man’s hailstorm.”

He smiled. “It looks like rain,” he said redundantly. Slender as a cowboy, he carried himself like a working man. His face bore the carvings of maybe 50 years. His hair was still dark and thick, and he had eyes the color of strong black coffee.

“My name is Fred Martinez,” he said. He reached across the wire to shake my hand. His grip was firm, but gentler than most men’s. “I came over here to clean up,” he continued. “Going to clean off the graves, run a weed whacker.” Grass clumped knee-high around the markers. The uneven ground heaved too violently for any lawnmower.

“That’s going to be quite a job,” I said.

“Yes,” he agreed. “It will take me about two days.” He spoke with a Latin cadence.

Cold air sank out of the rolling blue clouds. “You’ll get wet before then,” I said.

“I take pictures, too. I like to take pictures of this country. Been doing it for years. Let me show you some.” He stepped easily between the strands of barbed wire. “I have some in my truck.”

He walked the few feet to the pickup and opened the passenger door. I followed him, as though that were not an insane thing to do. He had a little album full of photographs, color Kodachrome shots, neatly packaged in the book’s plastic pockets. He also had several developer’s envelopes full of unorganized pictures.

“You must be cold,” he said. A crisp wind ran down from the clouded mountains like Coyote trotting across the bajada. He gestured in a way that suggested I should take shelter behind the truck’s open door. I must have responded with some other gesture that said that although I was insane, I wasn’t crazy enough to climb into his truck, because he walked around to the driver’s side, opened the door, and spoke to me across the chaste distance of the cluttered plastic-covered bench seat.

“I lost my father. He died in 1966, when I was in the military,” he was saying. “Then my mother died, in 1976.” Thoughtless as a puppy, I neglected to ask if they lay in the graveyard. “I have seven brothers and sisters,” he added.

“At least you have them—brothers and sisters,” I remarked, thinking less of his sorrow than of my own aloneness.

“It’s not the same,” he said. “I was never that close to them.”

I wondered what it must be like to have a brother or a sister—let alone seven of them.

He opened the little album to display his artwork. “This is my cousin.” A late-thirtyish woman going to flab smiled self-consciously and lounged in a lawn chair. After a couple more shots of her, he turned to a series of pictures showing two or three men working on the footing and slab of a building.

“This is my brother’s house,” he said. “I built it. I built it for him in three months.” The pictures traced the birth of the adobe-look house, from the concrete slab to the raising of the pressboard walls and finally to the neatly stuccoed and painted finished structure. “My brother likes to hunt. We built two rooms for him, they have 24-foot-high ceilings. He uses them both, you know, to hang the meat. He calls them his game rooms.”

“Are you a contractor?” I asked.

“Yes,” he said. “I am. I have a piece of property in Colorado, near Durango.” He spoke the city’s name with a rolled “r” and a Spanish a. “I put this little building on it.” A snapshot showed a tiny but professionally finished shed-like structure. “It’s 24 acres. This is very small—but I can stay there for a few days.

“Here’s another house. It belongs to a friend,” he continued. “I built it, like my brother’s; they’re here in Truchas, and in Chimayó. It’s thirty-three hundred fifty square feet.” The early pictures in this series showed an enormous slab, the two men walking around on it at sea in a concrete prairie. “These are his children, his little son and daughter.” Two pretty children, about five and seven years old, peered curiously into a flashbulb glare.

“He lost his daughter,” he added. “She died in an accident.”

“Oh, no. You mean this little girl?”

“No. Her sister. She was driving a car.”

Was she a flowered cross by the roadside? Did she rest in the cemetery? Again I failed to ask. I could offer only a commonplace, pancake-flat: “I can’t imagine anything worse than losing a child.”

“You hope not to,” he said.

He turned to some pictures of the house’s finished interior. You could smell its newness: viga and latilla ceilings; a heavy, solid wood front door; light pouring through wood-framed windows. The house looked as magnificent as the $425,000 condo I had seen for sale on the north side of Santa Fe. Behind him, silver and white clouds mantled a range of forested peaks; long meadow grass bent to the clean wind.

What a wealthy man, rich in dignity, pride, and community, I thought, and then, no—awful cliché! He probably goes home and beats his wife. Then again, Does urban cynicism know no bounds? He showed me a snapshot of himself troweling the final touches on a long sidewalk that flanked his friend’s house, and he was saying that he had been a union cement-layer, worked with a union team in Arizona. Spreading the photos across the pickup’s worn seat, he let me peer through a kind of window into his life and the lives of his family. How caring he was of his family and his loved ones. Even the dead: coming here to tend the graves of parents gone 25 and 35 years. In my life, I never look back; I’ve never seen the mausoleum niches where my mother and father’s ashes reside. To do so would risk loss of control. Free as a wild animal on the desert, I have no cousins, no family but a son living far away, and if I did, I haven’t the generosity to build for them some lasting reminder of me. He imbued his labor with a kind of love. His hands caressed the photographs reverently. That sidewalk was a work of art, and something more. He talked on, explaining that it didn’t cost much to build the house.

“I collect the materials from old building sites.” He pointed to a picture that detailed beautifully variegated planks herringboned above a set of vigas, big peeled-log beams. The boards appeared to be made of different woods—walnut, maybe, or mahogany and teak mixed with pine. “You see that dark, like that?” A few boards were almost black. “You get that by laying the wood out, wetting it down, and letting it dry. You wet it and dry it outside, over and over. And it turns that color.”

“Doesn’t it warp?”

“No. You make sure to keep it flat.”

Fred showed me more pictures, photos of his family, of his building projects, of mountains and clouds and sunsets, and a couple of himself fishing. Finally, I remarked that I had to be going.

“Bueno!” he said. He reached across the truck’s cab to shake my hand again. “Drive carefully.”

“And you, too,” I replied. “Take care of yourself.”

He climbed back through the fence into the graveyard. I returned to my car, whose engine was still running. A rain-chilled gust of wind crossed the road, and I thought it was a good thing I’d brought my fleece jacket, which lay in the car’s back seat. Then I realized I’d never felt a need to put it on.

—30—

Images:
Sunset over Wheeler Peak, in the Sangre de Cristo Mountains.
Kbh3rd. GNU Free Documentation License.
Truchas, New Mexico. Bobak Ha’Eri. .Creative Commons Attribution-Share Alike 2.5 Generic license.
Flowering cactus at Southwestern cemetery. Jan Kronsell. Public domain.