Coffee heat rising

Sold! Real estate returns to normal in our neighborhood

Incredibly, the rental house across the street, occupied of late by the obnoxious Biker Boob and Bobbie McGee, sold for $250,000. That’s dead center in the ball park of what houses were worth here before prices got stupid.

I was afraid it would be bought by yet another absentee landlord. But at that price, it’s unlikely they can rent it for enough to cover the mortgage—rental prices are still very depressed here.

Better yet, they’ve plopped a big dumpster in the driveway and sent workmen in there to gut out the interior! It looks like they’re rebuilding the kitchen—a decrepit dishwasher is sitting in the driveway waiting to be hauled off, and carpenter-like guys have been swarming over the place for the past two weeks.

So. This is a good sign. That’s twenty grand more than I paid for my house, and it’s about twenty-one thousand more than SDXB got for the same model. He sold way too low—the house was grabbed up  less than 24  hours after he put it on the market. So I’d estimate the price is about where it should be for that model.

Now…if we would just, please, see the same thing happen in the neighborhood where the downtown house resides…  We’re $75,000 underwater there, according to the ever-heartbreaking Zillow. But that’s because everything that’s sold there over the past three years or so has been a foreclosure, with the exception of one house that sold at a fire-sale price. Once all the foreclosures are cleared out, maybe values will begin to return to normal in that area, too.

20 Great Time-Wasters of My Life

Hah! Scored an amazing 219,400 points on Bookworm before one of the flaming tiles reached the bottom row. Two of the astonishing words formed during this time-killing jag racked up more than 3,000 points apiece.

Amazing, indeed. Amazing waste of time. I justify it by theorizing that I need a break after having made it half-way through 439 of the most boring, pointless, annoying pages of copy I have ever edited in my life. We all need a break now and then, right?

Of course, I could’ve taken a break by trimming the dead roses off the plants, maybe making way for a new bloom before the heat gets too impossible.

Does it ever seem to you that there are altogether too many time-wasting phenomena in your life? When you come to the end of the day and you haven’t gotten a heck of a lot done but you think you’ve been sorta busy, what have you been doing? Here are a few explanations on my list:

  1. Bookworm
  2. Mah Jong
  3. USA Today Crosswords
  4. Uncle Jay Explains the News
  5. Boomshine
  6. PointlessSites.com
  7. StumbleUpon
  8. Checking the stock market
  9. Cleaning house (doesn’t do any good: it just gets dirty again!)
  10. Driving (risking your life while waiting to get from Point A to Point B)
  11. Reading the vitriolic commentary on the local Play-Nooz
  12. Trying to teach students what a comma splice is
  13. BlackBoard Academic Suite, the single greatest time-consumer known to humankind, guaranteed to cut your pay rate from $15/hour to 15¢/hour
  14. Navigating punch-a-button telephone mazes
  15. Trying to comprehend bureaucratic rules
  16. Talking to bureaucrats who don’t understand their own bureaucracy’s rules
  17. Tracking too many bank and brokerage accounts
  18. Waiting for a pan to fill under one of those accursed water-conserving faucets
  19. Checking blog stats
  20. Figuring out workarounds in HTML and various programs to make things happen the way I wish.

Most of these, I’m afraid, are self-inflicted time-wasters, though I decline to take responsibility for phone trees, opaque bureaucrats, online courseware that operates at the speed of a galloping snail, and misguided “good”-for-the-environment plumbing inventions.

What wastes your time?

Women’s Work: A Manifesto

Simple Life in France recently wrote on a subject that seems to be worrying a number of women in my circle. It’s a concern that speaks with profound irony to women d’un certain âge. “What would my husband think,” she wonders, if she decided never to go back to work but instead to devote herself to being…ah, let’s say it: “just a housewife?” And into “what he would think,” let’s read the more invidious “what would everyone else think?”

A dear friend of mine here is wrestling with the same questions. She’s contemplating making her escape from the day job sometime in the near future. She agonizes about the prospect of searching for another job, full- or part-time, when in reality she very likely would be happy and successful taking care of her husband and their beautiful home and expansive semirural property. Though she recognizes she needs a break from the work world—possibly a permanent one—she also feels that she should be contributing to the finances of the marital community. Her husband earns a good living that will support them well; their child is out of the home and married; and so the question of whether she should be working is not a matter of necessity but of conscience.

It’s the conundrum of the post-feminist middle-class woman. We’ve gone, over the course of a single lifetime, from a social milieu in which few women were even allowed to work to one where women not only can do just about any job they please but are expected to work, whether they want to or not. By “work,” of course, we continue to mean work two jobs: the day job plus the other full-time occupation of caring for a man, his children, and their dwelling.

The subtext for both Simple’s and my friend’s conflict—and it’s an important one—is “how will I be valued?”

We live in a culture where a person’s value is measured in dollars. The more you earn, the better you must be as a human being, right? And so what does it mean when a woman earns no dollars? A woman who has focused her whole life’s energies on being “just a housewife” receives exactly zero credit toward Social Security. More humiliating, her Social Security benefits, if any, will be tied to her husband’s, and only if she has earned less than half of what he is entitled to…assuming she stays married to the guy long enough. What does that mean?

Unwittingly (perhaps), we’ve not freed women, but instead we have further institutionalized the little-womaning of the American housewife. As feminists, we’ve done it by insisting that women must fulfill some imagined “full potential,” which we have situated in the commercial workplace. As a culture, we’ve done it by raising the cost of living so high that a single paycheck will no longer support a family in a middle-class lifestyle. And we see it in the not-so-subtle message implicit in that Social Security rule.

We as women need to rethink the value of what we are and what we do, and we need to disconnect that value from the dollar. Let’s consider what’s entailed in working as “just a housewife.”

For starters, a woman who lives and works at home takes on the following base responsibilities:

She raises and educates children (let’s face it: most of a kid’s education happens in the home).

She shepherds the children through public school and works to extract the most value with the least harm from the institutional system.

She cleans and cares for a house or apartment.

She may care for a yard and garden, often including small farm animals and large pets.

She designs meals and cooks them.

She shops for food, clothing, furnishings, household goods, and all other necessities and luxuries.

She budgets and handles money.

She cleans, a job that (as you’ll know if you’ve ever hired cleaning help) is a great deal more complex than we give it credit for.

She decorates and maintains a comfortable sanctuary from the outside world.

She does minor repair work around the house and property.

She sees to the maintenance of the cars.

She does sex work.

She volunteers at schools, churches, and community nonprofits.

She cares for elderly parents, whether her own or her husband’s.

In her husband’s old age, she may spend her own elder years caring for a sick old man.

In the course of learning to do these jobs over a lifetime, she attains skills in child development, bookkeeping, money management, hygiene, chemistry, nutrition, first aid, child care, elder care, gardening, interior decor, crafts, cuisine, entertainment, the arts of sexuality. If she volunteers outside the home, she builds knowledge and skills in subjects such as early childhood education, social work, event management, newsletter editing and publishing, office operations, and who knows what else.

That’s if she’s an ordinary, garden-variety just-a-housewife.

Let’s suppose she either is a particularly energetic, college-trained woman or she happens to marry a professional or business owner and so is expected to perform as what we might, in old-fashioned terms, call a society matron. In that case, she gets up to these sorts of things:

She represents her family unit and raises its profile through civic volunteerism and leadership.

She participates in elite service groups such as Junior League. In doing so, she takes on middle-management to executive-level responsibilities in one or more civic organizations.

She serves on the board of directors of one or more civic or nonprofit organizations, such as a museum, a social service agency, or a citizens’ group.

She hires and supervises household and landscaping staff to manage the house in her absence.

She entertains clients and colleagues in the home and at venues such as clubs and professional meetings.

She entertains and socializes with her husband’s partners’ wives, and in doing so collects intelligence on behind-the-scenes matters that may prove valuable for her husband’s career or investment strategies.

She builds and markets her husband’s profile in the community.

As a society matron—or, in more contemporary language, the partner of a professional—our just-a-housewife develops and engages all of the basic skills we’ve seen above plus management of household and landscaping staff, management of volunteers, event management, catering, public relations, marketing, fund-raising, office work, social work, fiduciary management, and a wide variety of other skills and knowledge specific to individual nonprofit organizations. If she has a college degree in business or some other technical field, she may apply that training to her unpaid civic work exactly as she would do in the workplace.

In either event—whether she focuses her energy and activities on her home, husband, and children or whether she also engages in civic voluntarism—the just-a-housewife manifests a wide variety of skills that, in any other context, would command a decent salary. Make that several decent salaries.

But because she doesn’t command a salary, we think of her as “just a housewife.” And she wonders if her husband (friends, in-laws, former roommate, college classmates) will value her.

My point here is that a woman is worth more than money. What she does can’t be measured in dollars, and so her worth can’t be measured in the currency of the marketplace.

When we feminists of the 1960s and 70s agitated to allow women into the marketplace, we did so because we wanted our daughters and grand-daughters to have a choice. We wanted women to be able to choose to enter the world of work, in any capacity, and not to be limited to the home or to menial, ill-paying jobs.

Choice works both ways. To be able to choose to do something means to be able to choose not to do something.

“Women’s work” and skills have great value—really, whether they’re engaged by a woman or by a man. A man, too, should have the choice to do or not to do, to work outside the home or not to work outside the home. The work we do, the knowledge and wisdom we possess should be valued for what they are, not for what they’re paid.

Of what real value are the bankers and financiers who so fabulously enriched themselves at the expense of the entire developed world’s economy? Of what value is the highly paid tobacco executive, captain of an industry devoted to sickening and killing its customers? These men and women are highly paid in the workplace, but we see their value as human beings: negative equity, we might say.

Value yourself for what you are and what you do, not for what you’re paid. Value yourself, and others around you will value you.

And, my friends, let us take up the torch again: demand choice, not bondage—neither to the home nor to the marketplace.

As we go marching, marching, we bring the greater days;
The rising of the women means the rising of the race.

James Oppenheimer, “Bread and Roses

So…you thought YOU were having a bad hair day?

There you are, driving along one of the mainest of the main drags in the fifth-largest metropolis in the nation. You get into the left turn lane of the Vast Main Drag A so as to turn south onto Vast Main Drag B, you pull into the intersection preparatory to making your turn, and….your car bursts into flames!

Soon all the employees of the nearby bank and the various grocery stores, expensive boutiques, insurance  and financial offices, and local corporate headaquarters are standing on the sidewalks watching your car self-immolate.

The Fire Department comes roaring up and stops traffic in all four directions. Now scores of homicidal drivers are cursing your name (if they don’t know your name, they make it up). Collective eons of time are wasted. Your insurance adjuster no doubt thinks you are…well, just another pain in the tuchus.

{sigh}

Luckily for me, as I was approaching said intersection minutes after the Bad Hair Day Victim’s car decided to destroy itself, I managed to dodge into the bank’s parking lot, maneuver my way onto the perpendicular main drag, and make my way across Vast Main Drag A (now conveniently brought to a halt) into the parking lot of Ridiculously Overpriced Gourmet Grocery Store, the purveyor of the sushi I wished to carry out for lunch. This would be the “it’s all about me” response. In reality I felt very bad for the poor soul whose car was melting down in the middle of the intersection.

Sushi packed away in the Dog Chariot, it was back to the Road Home.

Do I get home without incident?

Hell, no. At the intersection of Ordinary Main Drag A and Ordinary Main Drag B, what do I find but a chain wreck—at least four cars involved, two of which are totaled. Another road is completely shut down. Again, I manage to dodge around the closed road and continue on my way. Otherwise, presumably the sushi (and I) would still be cooking in the 90-degree  heat.

Holy mackerel! Just when you get yourself wound up about every GD light turning red as you drive up to it, you’re snapped back to reality, here on the homicidal streets of Phoenix.

Image: Ben Schumin, Aftermath of a Car Fire in Silver Spring, Md. Creative CommonsAttribution-Share Alike 3.0 Unported license.

Decoding the Tax Code

CBS Marketwatch reports that New Hampshire Republican Senator Judd Gregg and Oregon Democratic Senator Ron Wyden are proposing a new attempt to simplify the tax code. For the average Jane and Joe on the street, it will mean a briefer and clearer one-page tax return form. Our present six tax brackets would be reduced to three—15 percent, 25 percent, and 35 percent. And the corporate tax rate would drop from 35 percent to 24 percent.

It won’t pass, of course, because it eliminates a bunch of lucrative tax breaks for corporations (to say nothing of putting an entire cohort of tax accountants out of work). But at least it’s an effort to make a step in the right direction.

That so many ordinary Americans have to hire a tax accountant to figure out their taxes—often paying more for tax preparation than is owed on taxes!—is just outrageous. This year I paid my tax lawyer $460 to prepare the tax return for the S-corporation, which owed no taxes at all. I paid a like amount to discover that I owed the feds $770 in federal taxes and to extract a $1,000 refund from the state. I have to do that because the absurdly complicated tax rules are utterly incomprehensible to me. There’s no way to understand them, because they make no sense and because they’re couched in cryptic language—only an expert can figure out what they mean and how to apply them, and even the experts regularly make mistakes.

What’s refreshing is to see a “Bipartisan Tax Fairness and Simplification Act.” It’s long past time Republicans and Democrats of good will set aside the pig-headed partisanship and started to work together on the things that matter to the American people.

If people of good will do not step forward to overcome the corrosive divisiveness this country has seen, we will, I believe, be at risk of civil war within another generation—possibly sooner. When political leaders descend into demagoguery and talk about putting those who don’t agree with them “in the crosshairs” so that their followers start to rage about doing violence to elected officials, even the President of the United States, it’s inevitable that violence will follow.

On both sides, the leadership of this country needs to cut off the shackles of partisanship and extremism and come together to lead. Gregg and Wyden’s proposal is at least a tiny sparkle of light from that direction.

Government Long-term Care Coverage: Better than nothing?

We’re being told that one of the future benefits of the new health-care plan (assuming it survives the Republican onslaught and general hysteria) will be an opportunity to buy long-term care insurance at an affordable price.

That’s a much-needed program. But one has to wonder: apparently the average benefit will be about $50 to $75 a day. That’s as nothing: in Maricopa County, where Phoenix resides, typical cost for a nursing home is over $200 a day! And that’s just the base rate: everything, but everything costs more. If you  need a wheelchair, you have to rent it. Any therapy or special care beyond just leaving you sitting there and maybe wheeling you down to the dining room is extra. At that rate, a $50/day stipend won’t hold off bankruptcy for long.

We’re told it may be enough to cover adult day care, which apparently ranges in cost from $20 to $75 a day, depending on where you live. This arrangement, which essentially entails institutionalizing an infirm senior during the day but allowing her or him to return home at night, would require someone to schlep you to a day care center every day. You have to possess all your marbles, be continent, and be mobile, a combination that doesn’t necessarily describe most elders who need daily care.

In-home care, which might keep you out of an institution or at least stave off the evil day, costs $112 to $192 a day, only a few dollars less than the average $205 a day for a private room in a nursing home.

The Congressional Budget Office estimates that for the program to break even, premiums will have to average $1,477 a year. That’s $123 a month.

My long-term insurance with Metlife costs just under $80 a month, and it will pay up to $128 a day for nursing care for an unlimited number of years, plus caregiver training, respite care, durable medical equipment, and installation and maintenance of an emergency response system.. The cost is relatively low, compared to the CBO’s estimate for the federal program, because I bought in when I was fairly young.

So, by comparison the government plan will be expensive and its benefits skimpy. Given that nursing home care can quickly bankrupt you, even a little help would be good. But if you’re on the hook for $150 a day even after having paid $128 a month for coverage over many years, you’re looking at drawing down $4,500 worth of your assets a month for nursing care. That’s $54,000 a year.

A $50/day benefit comes under the heading of too little, too late.