Coffee heat rising

Moment of Fame

This week Funny didn’t enter any carnivals, the proprietor having been somewhat overwhelmed with quotidian concerns. However, a new carnival with a somewhat slower-than-usual calendar picked up a post I sent in two or three weeks ago:

The Bellringers
Education Buzz
Student Performance: Is There Any Question?

This is an interesting carnival. If you’d like to know what teachers are thinking (and if you have kids, you should…), pay a visit!

The Summer of Murphy’s Law

Going into this summer, the longest period I’ve ever faced without enough income to make ends meet, a thought entered my little pea brain:

If anything can go wrong, this is the time it will go wrong. Expensively wrong.

It’s Funny’s Corollary to Murphy’s Law: If anything can go wrong, it will always go wrong at the worst possible moment.

Now it can be reported: Murphy’s Law is a true law of Nature, and Funny’s Corollary is dead right. I don’t think I’ve ever had such a long series of expensive fiascos and missteps, all of them happening when there’s not enough cash flowing in to cover my ordinary expenses, much less unplanned-for costs.

Check it out:

Holy mackerel! Over $2000 in little surprises and extravagances! Income for a whole month was only $1,475. Unplanned expenses occurring over the three months of Penury Summer amounted to more than a month’s worth of summer income.

Granted, a few of these things—the clothing, the gas grill, the vacuum cleaner—were covered by savings. The palm tree trimming misery came out of cash flow. But all the rest of it: one nasty little surprise after another.

Entertainingly enough, the $1,475 monthly summer income in the absence of teaching is $565 less than normal, ordinary budgeted expenses.

Well, it’s a good thing I had a substantial emergency fund. Two funds, actually: $2,000± of ordinary diddle-it-away savings, plus the original $14,500 that I’d accrued by the time unemployment struck. The diddle-it-away savings accrue with a monthly contribution from cash flow, and it usually will cover modest wants and needs. The grill is not what I would describe as “modest,” but it did turn out to be a good buy.

So far I haven’t had to dip into the savings set aside for a real catastrophe. It’s close, though: At the moment I have $225 in the credit-card budget to last me until September 20 and $664 in cash to last till September 30. I don’t get paid until September 15, and I have no idea how much that paycheck will be. Those morons at Fidelity screwed up the August drawdown, so that’s $385 disappeared into the ether. If or when that will rematerialize, I don’t know.

To put the frosting on the cake, Wellcare, the privatized provider of Medicare Part B, has screwed up its billing and is demanding that I pay twice for this month’s premium, which I’ve already paid. Call to inquire and you get somebody with a Bangladeshi accent telling you their computer system is down so she has no idea what to say about it, and asking you to call back at 10:00 at night. Why the righties want to hand over all of Medicare to those sleazy insurance corporations beats me!

More huge bills are pending. The power bill this month is going to be astonishing: August’s heat and humidity had the AC unit pounding away almost nonstop, in spite of my setting the thermostat at 85 degrees during the daytime. Water bills are always high in the summer, although the unusually wet summer meant I didn’t have to add a lot of extra water to the regular drip watering schedule.

The college has not paid me the second part of the stipend owed for developing the online magazine writing course. This appears to have happened because no one has reported to the dean that I completed jumping through all the required hoops. Paradoxically, it’s a good thing.

Yes. Getting shorted on money earned is good. Why? Because Social Security is poised to shaft me big time. That stipend, if it’s ever paid in full, will put me $240 over the 2010 Social Security earnings limit of $14,160. As a result, Social Security will confiscate an entire month’s benefit check: $1,275. And make me come up with $111 out of pocket to pay for Medicare Part B. So the punishment for earning $240 “too much” is a fine of $1,275.

The fact is, if the school forgets to pay the rest of the stipend, I’ll be better off, even though I will have to take money out of the S-corporation to survive. If Social Security shorts me $1,275 this fall, then I’ll be forced to dip into my catastrophic emergency fund, just to buy groceries.

Things will be extremely tight this fall. Because I’m only teaching one class per eight-week session, total monthly income will be just $100 more than budgeted expenses…assuming I’m estimating my projected paychecks correctly, which is not a safe assumption. Expenses will start to go down in October when the weather cools a bit, but September’s utility bills will max out my $2,040 budget, and October’s will come close.

Sure do hope I can get a fistful of teaching assignments next spring, when at last I’ll be free of Social Security’s enforced poverty. I’ll need to teach three-and-three in both semesters and try to pick up at least one summer course. Or another stipend for developing an online course…

And I now have a plan for surviving next summer. This fall, with teaching income piddling in, I’ve had the state’s Fidelity plan cut my distribution to the minimum required to keep my RASL payments: that’s one buck, or 77 cents after tax. Down from $500. That will save $6,000 of the $11,000 I left in that account to cover me until the last RASL payment is disbursed in 2011. If I were to take $3,000 of that money out next summer, it would still preserve some capital but it would provide the equivalent of a monthly net from teaching three sections! And that would be plenty for me to live on.

If I can get one course next summer, it even would provide enough to take a vacation!!!!!

Wow. I haven’t been on a vacation in eight or ten years. That would be cool. Literally…you can be sure it’d be far away from this place!

She’s Back!

Delightfully, the engaging and lovely author of Simple Life in France has resurfaced. She’s been a bit out of commission, between surviving the first few months of gravitude and uncertainty about where DH will be assigned, now that he’s fully recovered from injuries sustained in a car wreck.

O me of little faith! I thought she had abandoned the blogging life (to get back to real life, perhaps?) and so had deleted her link from the blogroll. But now she’s back, it’s back. Go there. Enjoy!

Auughhh, Part II: Gaaaaaaaaahhh!

This morning after I got home from class, I called Mr. L., the Plumber par Excellence, and he met me casa M’hijito, where of late a geyser was said to have erupted in the laundry room.

He decided pretty quick that the problem was a clog in the drain line. However, he had a time figuring out exactly how the lines were configured because of where the leak seemed to be coming from. He called his sidekick, who appeared in due course, parking a second large plumber’s truck in front of the house.

Studying the situation, they think the drain drops straight down from where you can see the fixtures into the ground, where it courses under the foundation, under the patio slab, and eventually connects with the line to the sewer. The reason the water is pouring out from under the workroom’s west wall is that the workroom floor is designed so water will drain down toward the door, should a washer overflow. So the water bubbling up from the clog is simply seeping toward the west wall, building up there, and then surging out from under the plaster.

The reason it’s doing that, they believe, is that there’s a small crack along a pipe seam. When there’s no clog, the water flows so fast through the pipe that little or no water leaks from it, and what does drip out simply soaks down into the soil beneath the slab.

“Uhmmmm…. Won’t this eventually lift the slab?”

“No,” says Mr. L. “It’s OK for a little water to seep under a slab.” In fact, he says, the way the house’s shower is built, with dirt directly under the pan, is ideal, because if the shower pan leaks it will do no harm. The problem was, the clog was pretty solid and so water was backing up and actually coming UP in an exuberant way. A washerful of water has a lot of force as it’s backwashing upward. And so on.

So the men get up onto the roof and run a rotorooter line through the standpipe, planning to ream out the pipe all the way to the connection with the sewer line. They’ve determined that the water from the kitchen and  bathrooms is getting through to the drainout line just fine.

They run this thing and run it and run it and run it and run it and run it and it is hotter than goddamned HELL and after about a half-hour or forty minutes of this torment both men are drenched and literally dripping with sweat. They persist, continuing to run the thing until finally they break through and then they haul many, many yards of metal cable back up out of the plumbing.

That’s when the sidekick appears in the house with a report on what they found. Hang onto your hat:  Mr. L. hauled a dead rat up out of the drainpipe!

Summbiche.

He said that was a first for him. He looked a little green around the gills, because apparently the vic’ had been there for a few days. He said the little guy was not only disintegrating, he had created enough of a plug that with the grease and lint that flowed in after him, the mess had completely plugged the drainpipe.

Oookayyyy… So, how do we think Ratty got into the drain?

He said the standpipe on the roof has another pipe that connects to it at a right angle, high enough that a good-sized critter, which this one was, could reach up and wiggle its way into the top of the pipe. Probably the rat was searching for water, the scent of which it could smell around the standpipe. By way of seeking water, the little fellow probably lost his footing and fell down in there.

But Mr. L said he was very concerned about the possibility of rats getting into the attic. He asked if M’hijito has heard any scuttling around in the attic or walls at night. He says they’ll wreak real havoc if they get inside the attic, and they must be kept out of there at all costs. Once they get into an attic, they chew up the electric wiring, and that’s a very expensive fix.

They can’t get into the attic through the standpipe and vents, because those don’t open inside the attic. But all openings around the attic larger than the size of a nickel have gotta be closed tight. Also, he urged that we get the trees trimmed a good long way from the house, because this particular variety of Rattus is pretty acrobatic and can jump several feet.

After all that work and a very unpleasant development to deal with, Mr. L. only charged $120. He was there more than two hours—closer to three, come to think of it.

Gerardo, who promised to come remove the sheared-off paloverde tree, was in mañana mode today, a not unusual development with him. As his excuse, he trotted out the grand old classic, “My Truck Broke Down.” With that truck, it’s possible. Since it behooves us for one of us (i.e., the one who’s not working 9 to 6) to keep an eye on Gerardo’s ministrations, that will eat up all of tomorrow afternoon!

Meanwhile, we have three practical pieces of plumbing-maintenance advice from the redoubtable Mr. L:

1. Continue trying to keep washer lint out of the drain. At both houses, the washer hose drains into a utility sink. We each attach those nylon mesh bags that lemons and other veggies are sold in, using wire bag ties to secure them tightly to the end of the hose. Mr. L. thought that was a great idea, as long as they’re changed out frequently. Don’t, however, try this if you hook your washer hose directly into the drain standpipe.

2. Do everything you possibly can to keep grease of any kind out of the kitchen drain. He says it was a combination of lint and grease that built up against the Deceased to create an almost impenetrable clog. He says NOTHING should go down that drain that has any grease in it, and he remarked that even spaghetti sauce is toxic to drains. Take a few paper towels and wipe out a pan before washing it in the sink.

3. Once a week, fill both sinks with water. Cold water is as good as hot. Fill them to the top and then open both drains at once. This will push water down through the pipes with a fair amount of force, and that will help to clear whatever has collected in the drain over the week.

To the latter, I will add a bit of huswifery that I learned during my youth in the Cretaceous: Before you fill the sinks, run hot water down the drains. Then pour a cup of ammonia in there, and plug the drain tight. This strategy melts and loosens the grease down in there, without doing the kind of damage that a chemical like Drano commits. Let the ammonia sit in there for at least a half hour or an hour—or, preferably, overnight. THEN fill both sinks with water and blast the drains with that.

When last seen,
the plumbers were discussing what they would have to drink at Happy Hour…

Auughhh!

No time to write this morning. Substitute post: an e-mail exchange…

Sunday, August 29, 1010, 8:48 p.m.
Funny to Tina

Annoying end to a hassle-filled week. Went down to my son’s house w. the little dog in tow. He fixed a wonderful dinner.

Having been up since 2:00 a.m., I thot I’d stop in the park in the way home, exercise the dog for a few minutes, then come back to the house and fall face-forward in the sack. You can sense this coming, eh…? Naturally, when the dog and I climb back into the car after a frolick in the park, the goddamn thing won’t start!

Dead battery. Sunday night.

I figure to walk to my friend La Maya’s house and ask her to call her AAA (which I can’t afford). Fortunately before I got there (she only just walked in the door a couple of minutes ago…just got off the phone from her), I ran into my neighbor Harriet, who called her husband. He used my jumper cables to start the van, and they figured out that the former Checker (now OReilly’s) at 7th St & Dunlap (garden spot!) is open till 9:00 p.m.

Miracle! Mighty miracle, because La Maya didn’t get home until about 10 minutes ago.

Ninety bucks later… Hell. That’s just about what I had to cover groceries until the end of September. What a fu*king nightmare.

I know that battery is newer than two years old!!!!!!! Oh well. Now there’s a new one in there. And now at least I can get to workoid tomorrow.

Gotta go to bed.

Sunday, August 29, 2010, 11:35 p.m.
Tina to Funny

E-gggaaaddsss! I hate days like that. I am currently sitting at Denny’s, visiting with my mom, drinking free coffee, using free Internet, fixing hundreds of files for Pearson. Boy will I be thrilled when this is over. The project manager actually told me to send her an invoice…they’re going to pay me everything in one big check! Holy cow…it’s a downpayment on a house (or in this economy half the cost of one).

I hope everything’s ok with the car. Not having transportation is one of my recurring nightmares. When do you need [the current editorial project]? Wednesday? I’ve got to finish up Pearson tomorrow…and tonight…but should have some time on Tuesday.

August 30, 2010. 6:00 a.m.
Funny to Tina

It got better… After I sent off that e-mail to you, I heard from my son. He tried to do his laundry. When the washer drained into the workroom sink, a gusher erupted…from under the sink, through the wall!

So evidently the pipe is ruptured inside the wall. Oh god. Think of that THAT’S going to cost. He doesn’t have a nickel or a dime since he threw his roommate out over the girlfriend episode, so now I’ll have to come up with that, too.

Meanwhile, my lawn guy is supposed to show up at M’hijito’s house to cut up and cart off the tree that sheared off at the ground in Saturday’s microburst. It literally snapped the tree off right at ground level. He’s going to do his routine clean-up of the yard and said he’d charge what I normally pay every two or three months…seventy-five bucks. I think M’hijito can cover that. But meanwhile, the plumbing bill is going to run into the hundreds of dollars. At least.

I don’t know where the money will come from. The goddamned ASU Fidelity morons…I told them to cut my drawdown to the minimum NEXT month. While I had the idiot on the phone, I repeated over and over and OVER: DO NOT CUT MY DRAWDOWN IN AUGUST! Open my checking account and what’s the drawdown? Seventy-seven cents. So I have no money. I called and yelled at them over the phone; 45 minutes later they were claiming they would fix it but it would take days and days. So it’ll be another week or more before they come up with the paltry $385 that amounts to after taxes.

It was $209 to install a new hard drive in the iMac. Now I have a computer that has to be completely repopulated. My son says he knows how to clone the MacBook back over into the iMac, but to do it, I’ll have to buy a FireWire…another thirty bucks or so. Jezus.

Yeah, the car: thank god Harriet came along. Otherwise the damn thing would be sitting there in the park as we scribble. It’s ten years old and has 100,000 miles on it. Normally I would hold a car 10 years and then buy a new one. But I can’t do that now. Even if I felt I could pony up the cash (I certainly can’t afford a loan payment!!!), the cost of registration and insurance on a new car would send me to the poorhouse.

No. Wait. I’m already in the poorhouse, aren’t I?