Coffee heat rising

In the Company of Dogs

Cassie-and-verbena

Cassie and I awoke to a spectacular dawn, the outside air in the 70s. So beautiful was it that nothing would do but what we had to race outside for a long walk around the neighborhood and park. It was a cool and lovely morning, a few foggy-looking clouds floating in the distance, very San Diego.

Recently I made the happy discovery that Cassie does not have to be on a lead. She wants to stick close to the human, she comes when called and stops when asked, she never darts into the street, and she rarely chases birds or cats. When it’s quiet and there’s little traffic, when we’re out early enough or late enough to dodge the other dog-walkers, we can brazenly flout the law and stroll around as friends, not as slave and mistress.

In my lifetime I’ve had only one other dog who could be trusted off the leash, Greta the Genius German Shepherd. She was an amazing dog, a dog that attained true Greatness (she saved my son’s life, rescued me from a rapist, and unlike Anna the Ger-Shep, who only thought she could understand English, Greta indeed did understand human conversation).

Walking with a dog is a very different experience from walking a dog on a leash. It’s the difference between walking with a companion and wrangling an animal, as one does in riding a horse. When you have a dog that you can trust in this way, you begin to understand why people insist on letting their pets off the leash in the city park, come Hell or high water. It really does add a great deal of pleasure to the dog-human relationship.

Rosy-faced lovebird

While we were strolling around, we spotted a pair of small parrots or lorikeets flying free. They looked very much like this bird. Could’ve been a little larger, but the coloration was very similar.

Well, of course one thinks either “dead birds! What ninny brought these creatures here in the first place and then let them escape?” or “invasive species! Say good-bye to the mockingbirds, towhees, doves, quail, and every other native species around here!”

It’s probably not likely that the pair will survive for long. But one never knows. In fact, the low desert once was home to vast numbers of parrots. The thick-billed parrot inhabited the Sonoran desert and extended from central Mexico all across southern Arizona and up onto the Mogollon Rim. They were exterminated in Arizona and northern Mexico, largely by hunters. South of the border they were shot for food; north of the border, for the hell of it. Between the overhunting and the habitat destruction, they almost went extinct.

Some years ago, a few ambitious environmentalists tried to reintroduce the thick-bill to southern Arizona, an effort that ended in a Fail. Entrenched predators (humans included) quickly picked them off. At any rate, once upon a time the Sonoran desert hosted parrots, and so it’s not outside the realm of possibility that escaped birds could establish themselves and form feral populations. The rosy-faced lovebird, if that’s what we saw, is an arid-land native, hailing from Namibia, a far harsher environment than ours.

Because the corgi holds its head upright and its eyes are toward the front, Cassie seems to see into the air and overhead better than many other dogs. She notices birds and loves to chase them around. She definitely noticed the two parrots, whose call stood out from the busy birdsong that made for our background music, and watched with interest as they flew around the African sumac and palm trees.

Peacock
Click on me...

We ambled into the rich folks’ territory and paid a visit to the estate-sized lot that used to harbor a gaggle of peacocks.  The human who owns the place has so many trees and giant shrubs growing, it’s dark and shady as a grotto beyond the wall. Alas, he’s never replaced the birds that were picked off by the coyotes, probably much to the neighbors’ relief. Peacocks make a loud and ridiculous noise, a sound many people find grating.

I rather like the crow of a peacock. More flamboyant than a rooster’s, it brings to mind exotic locales like Myanmar and India.

And I do love the sound of an ordinary rooster’s crowing. Because the neighborhood still has several horse properties, some people do have flocks of chickens—you’re allowed to keep a cock if you own a horse property, which the county and city regard as agricultural land. So if Cassie and I get out early enough, we can hear the proud and arrogant call of the master of a henhouse, trumpeting up the sun as the Indians drum it down at sunset.

The rooster conjures up some exotic locales for me, too. When I was a little girl, long before the ongoing rounds of war in Lebanon began, we spent one of my father’s short leaves at their friends’ home in Beirut.

You can’t imagine how beautiful Beirut was, a gem on the Mediterranean, where the beaches were made not of sand but of tiny, smooth, jewel-like stones. My father spent his short leaves either in Bahrein, which at the time was comparable to…oh, say Tijuana or Nogales, or in Beirut, a truly magnificent place. Once we stayed in a hotel. But the visit that stays with me came when we took up two weeks’ residence with my former third-grade teacher and her new husband, one of the geologists who had been with Aramco since before World War II. This pair lived in the city, not in some American ghetto, and their friends were Lebanese of all social classes.

One of the most vivid memories of my childhood is awaking in the early violet pre-dawn to the sound of donkeys’ hooves clip-clopping up the cobbled street in front of the house. Fifteen or twenty minutes later, the sun snuck up on the morning and told the roosters it was time to wake the world. A symphony of cocks’ crows arose in the distance, quite a bracing and refreshing sound. It made me, a rather sad and withdrawn child, want to get up and greet the day.

Well. So, from the former peacock orchard it was on to the park, which by the time we got there was overrun by dog lovers. I’m not an aficionado of dog parks—which our park is not, even though people from surrounding neighborhoods bring their animals every Saturday and Sunday morning and let them run loose. So, Cassie was on the leash most of the time, unless we were pretty much out of the way of large frolicking descendants of wolves masquerading as foolish humans’ “babies.” Some of these people—oh, let’s generalize and say all of the ninnies—make “self-centered” a religion. One old buzzard, with a big black chow whose fur had been shaved into a poodle cut (no joke!), saw me and Cassie making for our favorite bench and unabashedly hurried to get there first and plop himself down on it.

As soon as we walked past, he got up and left, having shown that he could do it. He probably drives like that, too.

By then Cassie was getting thirsty. After she finished off the water in the mug I was carrying and then consumed half a refill from the plugged-up park drinking fountain, we decided to head home. The sun had already been up too long, too many humans were abroad, and we were hungry.

Cassie-off-leash

Images:

Peach-faced lovebird, Peter Békési, Creative Commons Attribution 2.0 Generic license. Indian peacock, BS Thurner Hof, GNU Free Documentation License.

This essay is not an endorsement of letting your dog run free or walking your dog off the leash. Both of these put your dog, other people’s pets and children, and you at risk. In general, your dog should be on a lead whenever it is outside your home or your yard.

Lazy Day Yakezie Roundup

Feeling a little under the weather today, having overdone with two or three 18-hour days in a row. The brain gone completely numb, I decided to cruise a few of the four score sites belonging to members of the Yakezie Challenge, in search of ideas and entertainment.

Here’s some low-hanging fruit you may enjoy:

Len Penzo got up to conducting a highly unscientific study of store-brand vs. name-brand grocery-store products. Very entertaining, and the results are not necessarily what you’d expect.

Bucksome Boomer inherited a headache with her new Verizon telephone number and wonders if you have had a similar problem, and if so, whether you have any suggestions for how to handle it.

Speaking of Verizon, another Tale from the Customer Service Crypt is bubbling up at CJ Bowker’s Life of an Insurance Salesman.

The Girl with the Red Balloon is searching for health insurance—quite a dizzying conundrum!

Little House in the Valley contemplates the possibility of building an eco-friendly kit home. Hm. I wonder if the beach comes with the Eco-Cottage.

In a nice think piece, Frugal Zeitgeist argues that minimalism is a form of activism.

At Out of Debt Again, Mrs. Accountability was surprised to learn that, contrary to what she had been told, January estimated tax payments count toward the prior year.

Budgeting in the Fun Stuff and her readers discover that the free renovations delivered by Extreme Makeover can drive the residents to bankruptcy.

Hmmm… Wonder what’s going on with my friends in the non-Yakezie universe?

Over at MSN Smart Spending, Karen Datko has busted free from the chains of pay TV. Along the way, she throws off a whole lot of information sparks…lots of ideas and facts here.

At The Digerati Life, SVB contemplates ways to get out of an upside-down car loan.

Revanche suggests that you should keep your résumé up to date at all times, explaining why at A Gai Shan Life.

At Room Farm, Chance has thrown off the cancer. She and her partner are about to embark for a trek through Nepal, and so she’s planning to take down her wonderful blog. She does hold out some hope, though, that she may come back with a new site.

Simply Forties holds forth on sparkling wines, explaining how they’re made, what to look for, and what to serve them with.

Frugal Scholar started ruminating about home-made yogurt yesterday; today she picks up the conversation with a mellow and humorous post on how making bread and yogurt can save you money.

So there you go. I’ve accomplished almost nothing today, but fortunately others have been busy. 🙂

Are You Cut Out for a Freelance Job? Is Anyone?

Brip Blap has an interesting post today,Job Junkie.” It’s quite nuanced—a lot is going on in it. Overall, he’s talking about working so steadily and so faithfully that you become “addicted” to work. And he’s got something there. I once had a boss who told me how it felt when he was laid off a previous job. He said, “If you don’t have a job, you’re nothing.”

Job junkie.

One thing Brip Blap observed in passing, though, caught my attention in a slightly off-topic way:

I offer my services to giant corporations for whom my fee is a footnote to a footnote to a rounding error. They don’t mind flinging some cash in my direction to avoid the hassle of hiring a permanent employee to finish their projects; they don’t have to train me, give me benefits and then file endless mounds of paperwork before they let me go.  I can come in, do the work with a minimum of supervision, and leave with no fuss.  So I get paid at a premium.

I was chatting recently with another freelance contractor who also feels well paid. But what looks like good pay to the freelancer, I remarked (perhaps unkindly) looks like something altogether different to the employer.

It doesn’t much matter how much an employer pays a freelance contractor, although of course they’d like to get the person to work for a fraction of the hourly rate a full-time employee would earn. Even if the employer pays you the full equivalent of what might be considered a good salary, he (or she…for brevity’s sake, let’s get politically incorrect here) is getting a bargain. He doesn’t have to pay anything for your FICA, he doesn’t have to cover your health insurance, he doesn’t have to chip in for your dental or vision insurance.

Nor does he have to provide you a decent office. If you work on the premises during your contract, a broom closet equipped with a light plug and an Ethernet connection will do. Far to be preferred, of course, is the opportunity to offer you the inestimable privilege of working remotely: i.e., you pay for your own roof, your own desk and chair, your own lamp, your own heat and air conditioning, your own water, your own computer, your own software, your own DSL, your own pens, your own pencils, your own paper, your own business cards, your own letterhead, your own parking.

It is, in short, such an amazing bargain that “a footnote to a footnote to a rounding error” hardly does it justice.

Consider, for example, what would happen if the Great Desert University decided to call me out of Bumhood and put me back to work on a freelance basis, offering to pay my previous gross salary. What would the university not have to pay?

$600 a month* for health insurance, the full tab charged by Cigna for a policy that used to cost me just $36 a month. Total savings for a one-year contract: $7,200
$36 a month for dental insurance; $432/year
7.65 percent of my pay, for the employer’s half of FICA and OASDI: $4,972.50 for the year
Employer’s match for my 403(b) contribution: $4,550
1 Dell computer, bells and whistles attached: $1,000, approx.
Acrobat Professional: $450
InDesign CS5 Premium: $450
MS Office: $150
Steelcase office chair: $200
Steelcase desk: $1,335
Phone connection: unknown
Ethernet connection: unknown
Office space, air conditioning & heat, water: unknown

Before we even calculate the College of Liberal Arts and Sciences’ share of the phone, Ethernet, air conditioning, and water service, we see the university saves $20,739 on the first year of my services if it hires me on a freelance basis to work out of my home. That’s $20,739 worth of costs that the university passes to me. Before I’ve paid my income taxes.

Subtract 25% for federal taxes and 3% for state taxes; divide by 12 and you come up with a monthly net of $2656—about $400 a month less than I was taking home as a salaried employee. And that’s before I’ve paid the air conditioning, DSL, and phone service for my home office.

So, hiring you to do your job as an independent contractor works out to be a bargain for an employer. For you…not so much. Your gain out of the deal is that you don’t have to commute to work every day.

How do outsourcing employers get away with this? Beats me…  But I have one theory: freelance writers and editors (and to a lesser extent, other creative talent) tend to look at their income figures through rose-colored reading glasses. In my experience with freelancers—of which I had a-plenty during my incarnation as a magazine editor—freelance writers and photographers often perceive that their income amounts to more than it really does.

I’ve lost track of the number of people who’ve proudly told me they earned umpty-umpteen tens of thousands of bucks in a given year—usually some munificent figure like 20 grand. But what you gross is not really what you earn. The figure that matters is the amount you have to live on. When someone crows about earning an amazing $20,000 or $25,000, they haven’t subtracted the many costs of doing business, nor are they connecting the cost of health insurance with their wage, in the way that a salaried earner thinks of healthcare premiums. The money that stays in the freelancer’s pocket, the amount available to pay for groceries and the roof, is much, much less than what she or he grosses—specifically because of the much higher costs of taxes and insurance.

While some people undoubtedly do make a decent income (at least now and again) at freelance contracting, the average Author’s Guild member earns less than $25,000. That figure is high, because Author’s Guild membership comprises well-paid television and movie writers and best-selling book authors, along with all the wretches with a laptop on the kitchen table. Another commonly cited figure is $10,000 a year: a number that hasn’t changed in three or four decades. Digital skills don’t help: Darren Rouse at Problogger did a 2007 survey that showed 26% of 857 bloggers earned under $10 that year. Nine percent earned $15,000 or more; 1% earned $10,000 to $14,999; all the rest earned less than $10,000.

Most people who get by as independent contractors in creative fields manage it because they have a spouse or partner who brings home a living wage. If you want to try to make it on your own, you need some demonstrable skills plus a good track record of employment in newspaper, magazine, or book publishing—preferably with a few major awards to show. And even then, you’ll have to make a lot of trade-offs, particularly in the lifestyle department.

Pay is low and workdays are long. Yesterday, for example, I started at 2:00 a.m. At 5:00 I stopped long enough to feed the dog and bolt down a small breakfast; then it was back to the keyboard. Forgot to eat lunch. Paused again for cheese and crackers around 5:00 p.m. Then worked through until 10:00 p.m.

One of my editors, who made a living in Long Island as a music critic for many years, once remarked that freelance writing is great because it lets you schedule your own work hours: any 18 hours of the day you choose.

He knew whereof he spoke.

* Figures from Great Desert University’s 2009 benefits handout

Return Policies: It pays to shop where they’re generous

Yesterday, at Frugal Scholar‘s repeated urging, I returned to Costco’s optical department, bearing the goggle-like glasses I’ve disliked so vigorously. As you may recall, the progressives work adequately for watching TV (which I rarely do) and for eating dinner, but I can’t read sheet music for choir through them, or much of anything else; the “intermediate” pair the optometrist proposed to take the place of a pair of glasses that worked fine for reading and computing is more or less adequate for the computer but I can’t read a book or a newspaper through them.

The optician proposed to make a new pair of lenses for the progressives. Tentatively, I asked if there was any chance I could get my money back instead, since I’d had to buy another pair somewhere else.

“That’s your choice,” said she.

“Well,” said I, “I’d rather have my money back, if that’s possible, since these new glasses I had to buy were pretty expensive.”

Amazingly, she agreed to refund the entire cost. But it gets better!

“Is there any chance I could get my money back for the other pair, too, since I can’t read through them, either?”

To my astonishment, she agreed to that, too!

I walked away with $283.96 credited to my American Express card.

What’s staggering about this is not just that they returned my money for something they can’t resell. It’s that I bought these glasses LAST NOVEMBER!

Can you imagine? I still can’t, and I watched it happen.

This refund erased the $94 worth of red ink in this month’s budget and put me $151.46 in the black. I then bought $82 worth of groceries and household products. leaving me about $70 to the good.

Today is the 9th. I bought gas over the weekend, which, since I’m not driving around much, should run the car for another ten days. The grocery run provided enough food to last, probably, until the end of the budget cycle on the 20th. I may need a head of lettuce, but that’s sure not going to cost seventy bucks.

So. Despite overspending the budget this month, I come out unscathed.

It really does pay to shop at stores with generous return policies. With this sort of customer service, Costco has made such a fan of me that one little troll, gorged on troll kibble (I buy it at Costco, of course), decided that Funny must be a paid shill for Costco.

I wish. But they certainly have me coming back.

In contrast, I try to avoid shopping at stores that won’t let me bring back unsatisfactory items. I rarely go into Fry’s Electronics, for example. They have a one-month return period, and although they’ll eventually give you back your money,  in the past I’ve found it’s quite a hassle to engineer a refund. The useless vacuum cleaner, whose replacement is the main cause of this month’s budget overrun, was purchased there over a month ago and so can’t be returned. The new vacuum came from Costco. You can be sure I won’t be buying much from Fry’s again.

B’Gauze, one of the few stores that carries clothes that fit and don’t look just hideous on me, accepts no returns at all. Consequently, the $700 spent on the late great shopping spree went to J. Jill, not B’Gauze. Women’s clothing is weird stuff: it can look OK in the store, but when you get it home and look it over by the light of reality, you’ll find it doesn’t actually fit very well, or it’s shoddily made, or the red dye rubs off on your white pants. So when a clothing store refuses to take returns, it discourages one from shopping there. I never buy more than one or two items at a time from B’Gauze, and my trips to the store are few and far between.

Paradoxically, then, a generous return policy works as much to the store’s benefit as it does to the consumer’s.

Sidestream Income: Have you read this guy’s amazing story?

Good grief! I’ve just been browsing around a site called Deliver Away Debt. This guy decided he was going to pay off his debt by throwing sidestream income at it. The stream? Delivering pizzas.The blog is the story of his adventures in this quest.

Each month, he details his daily earnings and then totals them up. The man is earning $1,400 to $1,800 a month moonlighting 22 hours a week!

You realize…$1,500 was what I netted in 80 hours at a mid-level university administrator’s job, with a Ph.D. and 30 years of experience. LOL! Another boat missed. 😀

Glorioski!

Deliver Away Debt is a member of the Yakezie challenge. He just published 600 Money-Saving Tips that he personally gathered from his fellow Yakezites. It’s quite a compendium!

Image: ElfQrin (Valerio Capello). GNU Free Documentation License.

Emergency Preparedness for Your Pets

Left behind in Hurricane Katrina

What with tornado season bearing down on the South and the Midwest and earthquakes rumbling along any number of Western Hemisphere faults, most of us think now and again about emergency preparedness. While it’s crucial to get the people out harm’s way come flood, wind, wildfire, quake or terrorist, the televised sight of all the dogs and cats left behind in the New Orleans flood was heart-rending. Many shelters turn away pets, and even if you find a place that would let your bring your animal on principal, would they really accept your pit bull?

The Pet Evacuation and Transportation Act, signed into law in 2006 by President George W. Bush, requires the Federal Emergency Management Agency to accommodate domestic animals in its emergency and evacuation plans. The government has a disaster readiness site that advises citizens on emergency preparations. Even if you don’t keep a pet, the main page directs you to advice on stocking supplies and navigating your way through an emergency. Where your animals are concerned, a few ahead-of-time strategies can help.

First, be sure your pet can be identified. Microchip the animal, and dress it in a collar with an ID tag.

Plan to take your pet with you if you have to evacuate. However, bear in mind that few shelters will accept pets, and so you may have to make your own accommodations. Keep a list of nearby pet-friendly hotels in your emergency kit. Several websites provide leads to hotels and other amenities that allow dogs and cats; Dogfriendly.com is just one of them.

Confirm in advance—now, not after a disaster strikes—that listed hotels actually do accept pets. And keep your list updated, as these policies may change.

Map out several escape routes, and be sure your lists include pet-friendly lodgings in all the possible directions you might go.

It’s also a wise idea to build a list of veterinarians and boarding kennels in nearby towns and cities. That way, should your pet be injured or get sick, you won’t have to scramble to find help once you’re out of harm’s way.

When you prepare your own disaster kit, include first-aid and survival items to cover pets, too:

A supply of any meds your pet takes
Ample first-aid supplies
A carrier for each animal
An extra leash and collar for each pet
A week’s supply of bottled water for each pet
A week’s supply of food for each pet
Dishes to feed and water animals
A can opener
Dog beds and toys
Blankets
Cat litter and box for cats; newspapers for dogs

Some people suggest packing canned or moist pet food, as this reduces the pet’s need for water. Bear in mind that abruptly changing a dog’s diet can induce diarrhea, not something you want to have to deal with in a traffic jam. If you live in a disaster-prone area, it probably would be a good idea to feed the dog routinely with whatever you would want to take with you in an evacuation.

Work a deal with a neighbor to care for or rescue each other’s pets if one person can’t get home during an emergency. Be sure your pets are familiar with these surrogate caregivers, and supply your neighbor with the same information you’ve created for yourself, let her or him know where you keep the pet emergency kit, and provide signed permission for veterinary and guidelines to financial limits for such care.

When a state of emergency begins, bring your pets indoors. If there’s a great deal of noise or other stressful conditions (as, for example, in a tornado), separate the animals so they do not harm each other in fear. If at all possible, crate each animal separately, and keep them crated if you have to evacuate.

After the emergency passes, keep an eye on your pets. Domestic animals are likely to be disturbed by changes in the environment, including scattered debris, puddles, and other aftermath. Wild animals, also, are highly disturbed and may appear in your yard, where they can confront your pets. Snakes and other creatures may be borne into your area on flood waters.

If you’re forced to leave your pet behind, secure the animal in the safest part of your house and be sure to leave an ample supply of fresh water—possibly twice as much as you think necessary—and plenty of dry food. Leave messages on your doors and windows letting rescue workers know pets are inside.

Have you had experiences with caring for pets during natural disasters or human-caused emergencies? What preparedness steps would you advise?

Image: Rescued dog hiding under a house. Katrina Dog Rescue.