Coffee heat rising

Best jobs, worst jobs

J.D. Roth’s Labor Day post at Get Rich Slowly, in which he recites all the jobs he’s ever held and asks readers to describe their best and worst gigs, got me thinking about my checkered career. For a person who’s on the verge of retirement, I haven’t held all that many jobs, especially if you don’t count the twenty years as a generously supported lawyer’s wife, mother, and society matron—less than a dozen, some of which were part-time.

Which were the best jobs and which the worst? And did my hypereducation do anything to help land the best ones? What, if anything, would I do differently, given a chance to start over?

At GRS, I left a comment opining that my most hated job was as a secretary for a demented market researcher. The guy was truly paranoid: convinced he had Enemies (no joke!) who spent every evening sifting through the trash behind the office building, looking for corporate intelligence with which to do his business in. He insisted that every, single piece of trash be snipped up into confetti—this predated inexpensive shredders—before it went in the trash. The job also predated word processors, and since I was not a great typist I threw out a lot of botched letters and memos; these also had to be snipped up, even if only a few words appeared on the page. My employer was given to insane rages and casual insults, an altogether obnoxious gentleman.

But really, what made that a bad job was the wacko boss, not the job itself. I enjoyed working as a receptionist and probably would have enjoyed secretarial or clerical work in any office environment where the boss was blessed with normal mental health.

The real worst job I’ve ever done is teaching freshman composition. After I finished the Ph.D. and several years of TAing, during which I taught many sections of both regular and advanced composition, I swore I’d go on welfare before I ever did that again. Years later, I landed a full-time lecturership, which paid as much as an associate professorship, teaching writing and editing to university juniors and seniors. For a long time, this was a fine job. Then after I’d been there about eight years, the university decided to turn that satellite campus into a four-year institution. Everyone was expected to teach freshman comp, whether they had degrees in English or not.

Ugh. I was right the first time around. If I’d wanted to teach high-school kids, I would have gotten a teaching certificate. At least if you teach high school, you can live wherever you choose, not wherever you can get work. In fact, in my desperation I looked into taking a postgraduate teaching certificate: to get it, I would have been required to take the very upper-division courses I was teaching (!), and I would have started at $24,000, a $19,000 cut in pay!

My favorite jobs—because they were the most fun—were editorial positions at Phoenix and Arizona Highways magazines. Journalists don’t earn much, but they have a good time going hungry. I enjoyed every moment, even the overnighters (which came once a month at Phoenix Magazine), loved writing features, loved editing copy, loved working with artists and photographers, and liked all my bosses and colleagues.

And no doubt the best job I’ve had is the one I hold right now, directing a university’s editorial office, where our staff of five does preproduction work for scholarly journals. The workload is almost nil, because I can delegate most of it to my associate editor and three graduate assistants. Pay is not great, but it’s more than I’ve ever made before. And I don’t waste too much of my time sitting around the office.

So…what effect did hypereducation—I have a B.A. in French and an M.A. and Ph.D. in English—have on this mottled career?

The hateful secretarial job required no higher education at all—the previous incumbent had been my cousin, who didn’t yet have an A.A. (she later became a registered nurse). Neither did the nice little receptionist’s job; however, the B.A. did get me the highest starting salary any receptionist had every earned at that firm, a munificent $300 a month.

The teaching assistantships were associated with graduate school: you TAed because you were in the program. The editorial jobs required a B.A. in journalism or English. Again, at Arizona Highways I was paid a premium for the advanced degrees, and in fact I landed the job because the editor was looking for someone with above-average competence.

I fell into the lecturership because I was assuredly the only English Ph.D. in the state with 15 years of real-world writing and editorial experience. At the same time I was hired, the department hired as my opposite number a man with a master’s degree in journalism from Stanford: presumably an M.A. from Stanford = a Ph.D. from Arizona State University, which oughta tell you something. I earned more than he did, though: approximately six dollars a year more.

The doctorate was not de rigueur for the job I’ve got now, but it certainly thrilled the hiring committee. It also got me a starting salary about $30,000 higher than the university had planned to pay the successful applicant.

So yes, the higher ed helped with the jobs I did get. If I’d started in journalism when I finished the B.A., though, by now I’d probably own Phoenix Magazine and be retired on its proceeds.

If I had it to do over, what would I do differently?

Well, if I knew when I was 22 what I know now, I would still get advanced degrees, but you can be sure they wouldn’t be in the humanities. I probably would combine an M.B.A. and an LL.D. in an attempt to develop a heavy-hitting corporate career. Or I would get a Ph.D. in business management, which opens the door to far better-paying academic jobs than you can get with the same degree in the humanities.

There’s no question that higher education, even in the liberal arts, sets you up for better-paying jobs. And there’s also no question that certain degrees, even some that won’t kill you with difficult coursework, will do better for you than others.

So…what are your best and worst jobs? And what would you do differently if you could start from scratch?

Carnival of Money Stories: Labor Day Edition

Welcome to the 75th Carnival of Money Stories! The prospect of a three-day weekend must have brought out the best in our storytellers: quite a few submissions are great tales of financial adventure, some of them very entertaining. I wish I could mark all of them as Editor’s Choices. Those that spun a really fine money yarn are highlighted in Day-Glo red.

Many submissions were good posts but not stories. We saw reports, reviews, hacks, lists of tips, opinion pieces, and even an ad for a convention. A few of these were so interesting I was sorry not to be able to include them. But once again, I’ve reserved this space for actual stories in the classical sense: narratives with a plotline.

The Carnival of Money Stories is recruiting hosts! If you’d like to host a carnival, please visit the carnival’s hosting page to volunteer. It’s a pretty easy job, you get to see a bunch of interesting posts, and it brings a lot of traffic to your site.

* Adam
Your Money Relationship
“The Age of No Negotiation: Apartment Edition”
Good story! How landlords take advantage of college students

* FFB
Free from Broke
“Not Having the Police at a Car Accident Can Cost You”
FFB keeps his wits about him after being rear-ended

FMF
Free Money Finance
“Review: Macy’s (and the Problem with Gift Cards)”
The FMFs receive a gift card for a store that’s not their choice of shopping venues

* Connie Brooks
Blueprint for Financial Prosperity
“Babies Are Expensive! Total Cost of Having a Baby”
Nothing theoretical here: what childbirth really costs real parents

J. Money
Budgets Are Sexy
“Procrastination and Expedia.com: Two of My Very Best Friends”
How dawdling saved the author a pocketful of dough

LAL
Living Almost Large
“Making Big Purchases”
A couple works together to make big financial decisions.

Amy
My Daily Dollars
“Please Take a Number”
How paying off debt is like waiting in line — a very long line

vh
Funny about Money
“Back Again — Temporarily?”
The psychosocial cost of a cheap Internet connection

Silicon Valley Blogger
The Digerati Life
“15 Fire Safety Tips to Protect Your Life and Home”
What you think about when a big sign reading “Fire Danger High” goes up on your block

Single Guy Money
“Instant Credit — No Thanks”
How long can you stay polite in the face of a high-pressure pitch for a product you didn’t ask for and you don’t want?

Mighty Bargain Hunter
“Save Money While You’re Young”
Older and wiser, Mighty regrets wild oats thrown to the wind…or to the pizza parlor.

* Lauren
The Business Ethics Blog
“Bad Administration is Bad Business”
Noxious customer service strikes at the doctor’s office

Todd
Harvesting Dollars
“The Opposite of Me”
An unjudgmental rumination on some people’s kids

Dorian Wales
The Personal Financier
“Outsourcing Our Chores — Do We Overvalue Our Spare Time?”
What’s your free time worth? Really?

Madison
My Dollar Plan
“My New Retirement Lifestyle Cash Flow”
What comes next, after a young mother decides to quit working

NtJS
Not the Jet Set
“Frugal Lunch Time Style”
How one little kid got her own custom-designed school lunch bag.

* The Happy Rock
“Just Canceled Netflix — Trimming the Budget Fat”
Interesting (not to say amazing) cautionary tale!

Photo by Katie Rommel-Esham
Wikipedia Commons

* sigh *

Wish I earned four times what a senior editor makes, as young Fabulously Broke is doing as an independent IT guru. If I did…well, then I would.

😉

Last night I learned that the person I hoped would take care of Cassie the Corgie in October, when I’d planned to go to a reunion of my dearest college friends, can’t do it. That leaves me with no babysitter for the dog, and so that means I can’t go. Darn it. I was really looking forward to getting together with these women, only one of whom I’ve seen at all since we graduated from the university forty-two years ago.

Besides the fact that I can’t afford to put the pooch up at a kennel or at the vet’s, I’ve developed a real flinch reflex about that strategy. During my adult life, I’ve had seven dogs and seven cats. For twenty years I was married to a man who loved to travel and who could afford to board the dog while we were in transit. Not once, EVER, have I boarded a pet (dog or cat) and brought it home healthy. Every single time, the animal has come back from the vet’s or the kennel with some ailment or parasite infestation: kennel cough, enteritis, ear mites, ticks, fleas…you name it. What this means is that after you’ve paid the vet to put the dog up for several days, you then get to pay the vet to treat the dog for whatever it picked up at the vet’s kennel! And I really can’t afford to pony up another $100 to get Cassie well on top of the boarding fee, the $100 my car will burn in driving to Sedona, the cost of eating out four days, and the cost of a gift for the hostess. If I earned IT guru money, I could afford to have a petsitter come to the house. Because Cassie won’t use a dog door and won’t go out and do her thing unless you go out and stand there with her, such a person would have to show up twice each day to feed her and then come back and let her out another four times. Or so. We won’t be doing that.

Oh well. I’ve lived forty-two years without seeing old friends. Guess I can manage to get through however many years remain without it.

Then there’s yesterday’s bêtise: I stupidly bought a beautiful little table on megasale at Pier One. It was already marked off a substantial amount. Then I got another 20% discount for taking the floor model.

And then I let the sales dude load it in my car. If I’d done it myself, I would have done it right. The thing fell over at the first turn I made, splitting the pretty painted top. This might have been OK, because the broken part is in a corner and doesn’t show much. Or it wouldn’t, if the table fit in the place I planned to put it. But it doesn’t. It’s two inches too wide! And because I took the extra discount, I can’t take it back.

So now I have a $170 Goodwill item. Bad stupidity!

Yesterday another of my little stupidities came home to roost: I’d agreed to accept a guest post on the uses and misuses of the one-em dash for The Copyeditor’s Desk. This magnum opus arrived yesterday morning. Duh! WordPress won’t do a one-em dash! So now I’ve got a very fine essay full of examples requiring a character that doesn’t exist, as far as I can tell, in the blog’s publishing software.

Then I realized, along about 11:30 last night, that I’d forgotten to go by La Maya’s house and pick up the newspaper, they being out of town. They’ve probably been burgled by now.

Well, I’d better get up, feed the dog, and see what new disasters I can commit.

Moments of Fame

The 168th Carnival of Personal Finance is up at One Caveman’s Journey, who included Funny’s report on a way to use Social Security as an interest-free loan from the government. This carnival contains quite a few interesting posts. Squawkfox offers some useful and very positive advice. The Free from Brokes are taking the plunge: Mrs. Free is quitting her job to stay home and raise the kids. Value for Your Life has some guidelines for dealing with difficult people. Fabulously Broke in the City reveals thatas a self-employed IT professionalshe’s grossing four times my salary. Yipe! She probably lives in a high-rent city, but not even New York or Boston costs four times as much as this place does.

The Festival of Frugality is up at chez Kelly, the proprietor of Almost Frugal. An American expat in France, she gives us a soignée French theme. Funny’s list of 25 strategies to save enough money to stay in her house during retirement appears in this round-up. Frugal Fu starts an interesting discussion about the embarrassment of riches a taste for clothes shopping brings to your closet. You’ve gotta see the terrific photos of tiny gas-savers and…uhm…alternate modes of transportation at The Digerati Life! For do-it-yourselfers, Fiscal Zen provides a convenient list of 10 home improvement sites. And Uncommon Advice presents a smart list of 20 things to leave out of your shopping cart.

Ikea: Better than bricks and boards?

Yesterday intrepid shopper VickyC led the wayon a half-day safari through Ikea. What an experience! The place, which occupies a large chunk of a large retail campus full of warehouse-size furniture stores perched on the banks of a gigantic freeway running through a vastsuburban plain of look-alike tract houses, was just jammed. So crowded was it that you couldn’t even stand still without having someone bump into you. At least a third of the patrons were youngish mothers with small, shrilly screaming children.

LOL! If I had been a child, I would have shrieked, too.

VickyC was continuing her search for a small desk, and she also hoped to pick up some shelves that hang niftily on the wall without visible braces. We did locate the shelves. But a difficulty promptly arose: she lives in a historic house, none of whose measurements are standard in 2008. So neither of the two sizes the shelves come in would fit either of the spaces where she wants to hang them. That she plans to put books on them and one sign announced their maximum load is 11 pounds didn’t help matters.

If she could find a desk small enough to leave room on the 60-inch wall that will house this proposed work space, she might manage to fit in a narrow cabinet of shelves. We looked at every cabinet, every bookshelf, and every desk in the entire 40 million square feet under Ikea’s roof. We searched at such length that by the time neither of us could stand up any longer, the crowds had gone home and we had most of the store to ourselves. During the hours-long expedition, we found one arrangement that mightwork. She decided to think about it.

We came away with three purchases: VickyC found a plastic drawer organizer and I grabbed a few unscented pillar candles and a glass mug to replace the yard-sale purchase I dropped some weeks ago.

I was struck by how chintzy the furniture items were. Much of this stuff is truly ugly: lots of plastic, ersatz veneer-over-cardboard, and fake chrome- or fake nickel-plated hardware.

On the other hand, beggars can’t be choosers: the stuff is amazingly cheap. And it must be said that the children’s furniture includes some adorable and snazzy designs. The “Mammut” series offers this cheerful table and chairs, which come in fire-engine red, brilliant blue, and lime green — to die for. The table is all of forty bucks, and each chair is fifteen.

We were impressed, too, by the large selection of Marimekko-knockoff fabrics, some of them in upholstery weights, others sheer, and all bright, striking, and fun. Next to the fabric department, Ikea sells hardware that will let you convert lengths of cloth into sliding shade-like “drapes” that move back and forth like shoji screensacross a window, an appealing device, indeed. Among the deskoids, we found an exceptionally stylish affair cobbled together with your choice of several etched-glass tops slung over legs fashioned to look like black-enameled sawhorses. With no drawers or other storage, it was useful mostly for decoration, but it did look cool.

Most of our fellow shoppers were twentyish-to-thirtyish adults who had the harried look of working parents. When I was that age, my husband and I had bought a house whose $350 mortgage payment stretched our income to the max. We had zero dollars with which to furnish the place. We had some pieces of Levitz furniture that we’d bought with the bribe my father gave my husband to elope with me, so that he (father) didn’t have to pay for a wedding and reception. And that was it. I ended up building bookshelves and tables with bricks and boards, which furnished our home for some years.

Probably today I’d buy Ikea products instead. The stuff is cheaper than bricks and boards, and at least it resembles furniture, more or less. Doesn’t look like you’d get years of wear out of it…but that may be just as well. You wouldn’t want to keep it around for years. There’s something to be said for stylish junk that can be thrown away when you can afford to buy something better. I’m not crazy about the concept of throwing out junk and replacing it with new junk every three or four years, but if you can’t afford anything better, that’s pretty much what you have to do. That, or live with lots of bricks and boards.

The estate sale has a lot to recommend it…

The limits of automatic bill-paying

In this morning’s New York Times, Ron Lieber reconsiders an earlier rave he wrote for “Your Money” about automating every penny you pay out. He notes that some people are wary of allowing business entities access to their checking accounts, largely out of concern over potentially costly errors. Others, he reports, have run into serious problems: one woman, for example, arranged to pay her phone bill on her credit card. Alas, when the expiration date came and went, no one bothered to tell the phone company, which soon sent a surly letter threatening to cut off her service.

While I’m an enthusiastic proponent of automatic bill paying, I do draw some lines. And I draw a wide, bold black line at charging up utilities on a credit card!

If anything happens that the card is canceled — whether to protect you from identity theft or because you decide to close the account — you are the one who gets to call every creditor and change your payment arrangements, a major nuisance, indeed. The potential hassle factor is just too high.

In fact, credit card statements are the only bills I do not have paid by automatic electronic funds transfer. Why? I just can’t bring myself to trust credit-card issuers. Those folks are not our friends. I want to see each statement and check each charge off against my Quicken or Excel records before forking over any cash.

For a long time, I felt that way about the phone company, too. Not so much because Qwest seemed untrustworthy (though a degree of incompetence presented itself, the company never seemed outright treacherous, the way credit-card lenders do), but because I’ve had people hack into my phone number and run up fraudulent toll calls. Here, too, I wanted to check the statement before sending any money.

I do authorize the utility companies, the city water department, and two insurance companies to bill my checking account directly. I did so because, before I switched my accounts to a credit union, the bank where I did business charged a fee when customers had money automatically transferred from the bank’s end but charged nothing when the creditor itself absorbed money out of the customer’s account. Why, I do not understand.

If I had it to do over again, I would go the other way around: retain control of the amount and date of payment, rather than permitting creditors to directly debit the account. This service is free at the credit union, but I didn’t know that when I made the switch. Now I’m too lazy and too busy to mess with changing a half-dozen payment arrangements.

Undoubtedly other issues present themselves. Identity theft? Seems to me you’re as much at risk of that when you send a check to some boiler room as you are when you pay electronically — possibly more so. Service snafus? They’re everywhere. Overdrafts? You need a system and some self-discipline to be sure enough money resides in your account to pay your bills…just as you do when you pay by check or cash.

Automatic bill-paying has many advantages. As with everything in life, we need to apply some common sense.