About sixteen years ago, I met him for the first time. My trainwreck sibling brought home this adorable puppy he had no business adopting because he had not one thing in his life that wasn’t a mess. I was furious at my sibling – he didn’t even take care of himself, how could he drag
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December 12, 2016
I can’t make a decision on my property manager just yet, I need to run some projections on the potential costs and benefits, so I moved along to do quick research on the other list items.
This turned out to be a great idea.
Refinancing! or not.
I ran some initial numbers with Quicken Loans, they wanted to give me a 30-year-fixed loan with $4899 in closing costs and 2 points for a rate of 3.625. I’d save $238 monthly, but with the closing costs, it’d take 21 months to break even.
My current company offered me a 15 year loan, 4.25 / 4.38 with 2 discount points, and the monthly payment goes up by $247. Not the goal.
They also offered a 20 year loan, 4.375 / 4.25 points with 2 discount points, and the monthly payment goes up by $250. Also not the goal. These loan costs are before we calculate the other costs of refinancing: an appraisal running somewhere between $575-625, and closing costs.
Overall, it seems like it’s just not the time for refinancing.
New home warranty
My old home warranty company was bought out by American Home Shield who tried to increase the premiums by 20% at the time of renewal. Even if my profit margins weren’t quite slim, that wouldn’t be acceptable.
My property manager found me a second policy with First American Home Buyers Protection Corporation, at a lower rate than I was paying before, for just about the same coverage and lower call-out costs. Savings: $200 for the annual policy, and $10 off each call-out.
New property insurance
I’m usually all about automating bill-paying so I went for holding the property taxes and hazard insurance in escrow. Pay three bills in one, what’s not to love?
Here’s what – I didn’t see the bill, therefore I didn’t think about it much, therefore I didn’t put it on the list of bills to attack. It did catch my attention briefly when the bill went up bit at renewal time, then it slipped back off my plate shortly after.
No more!
In a burst of productivity, I have …
- gotten a quote from a new insurance company,
- started a new policy
- submitted a request to remove the property taxes from escrow,
- had the new company send a cancellation notice to my old insurance company to avoid having to tell them that I’m dumping them, but we’ll see if they make me talk to them anyway.
The new insurance agent was very responsive by email, exactly how I like doing business, which meant I wrapped the whole process from quote to finish in 9 days.
With any luck, I’ll come to a decision about the property manager soon and then I’ll have shelved a year’s worth of administrative maintenance stuff – woo!
The unfortunate thing is that this stuff always occurs to me at the end of the year. Because what better time is there for sorting out all your paperwork and paying big lump sums like insurance policies then at the end of a long year? The only good thing is that, for the rental at least, I keep all the expenses and income in a separate account so it doesn’t impact our personal finances.
:: When’s the last time you evaluated your insurance, property, auto, renters, life, or otherwise? Do you carry any other than the required auto insurance?
December 9, 2016
Honestly this feels a bit like cheating because who doesn’t know how to make pasta? You just cook the pasta al dente and add interesting things. For some reason this particular pasta bake was a huge hit.
JuggerBaby decided that this was the night ze didn’t want spinach and picked it out occasionally but ze got more than ze avoided. PiC, on the other hand, had four servings and ate all HIS spinach, so on balance, I’d call it a success.
Ingredients
garlic cloves
1 medium onion
1 lb of pasta,
1 lb of ground turkey
1-2 bunches of spinach
4 slices of cheddar cheese
1/2 Tbsp garlic salt
1/2 Tbsp onion powder
1.5 cups tomato-based pasta sauce
Optional: 1/2 cup of mixed cheeses (romano, parmesan, etc)
Directions
We’ve been eating a lot of veggie penne and whole wheat penne lately, and it works really well for this recipe.
Mince the garlic, and dice the onions, toss both in the heated, oiled Dutch oven set to medium-low heat. Boil salted water for the pasta, which takes about 9-10 minutes while washing and chopping up your spinach – just a rough chop to discard the stems and cut down the leaves to 1/6th or 1/8th a large leaf size.
Toss the chopped spinach into the Dutch oven, and stir until the leaves settle down into nice green, add the ground turkey, onion powder and garlic salt, cook til done. Add the pasta sauce and sliced cheeses, stir to distribute evenly. Your pasta should be cooked through by now, add it to the pot and stir til it’s mixed in well. Top with a generous sprinkle of cheese on top, bake uncovered at 350 degrees for ten minutes.
Total time from prep to serving: 35 minutes.
December 7, 2016
There’s something about the cold, real cold for a Californian, the kind where you can see your breath, and stop feeling fingers and nose. Whenever that winter feels truly here, my bone deep memories surface.
It’s 40 degrees outside, and I needed socks inside, so I’m remembering other nippy mornings, going way back to when I ventured out into that cold because adults made me. Some memories are of junior high, 50 cent cups of hot chocolate to ward off the chill, shivering in too thin jackets.
Some are about recalling my ancestors.
My entire extended family, aunts, uncles, cousins, lived by the Lunar calendar. I myself had no idea how it worked. All I knew was that when the cold settled down in California, it would be time. The one day a year that was designated for families to go to the graves of our family with food, symbolic money and clothes. Each family would bring a dish made potluck-style, and we’d light incense in remembrance of our loved ones, burning paper money and clothing for their use in the afterlife. We’d have one-sided chats with our deceased loved ones, telling Grandma about what we’d been up to that year, who was sick, who was doing well, who had grown three inches. We’d ask them to remember us, too, and send us their blessings.
After the incense burned out, indicating the end of the spirits’ meal, we would eat the meal together as a family, picnic-style.
This was part of the Buddhist culture I was raised in, though it wasn’t really shared as a religion or a belief system. It was a familial custom to honor and respect our loved ones’ memory, much as others might leave flowers at the cemetery, keeping them alive in our hearts and teaching the next generation the wisdom that would have been passed down from the deceased elders.
I remember this from when I was very young, too young to know that running around the graveyard playing wasn’t respectful, and I remember a cousin jokingly restraining us by saying that if we ran over people’s resting places, they would reach up and grab our ankles to make us stop. It was effective. To this day I still instinctively walk in very specific lines above headstones. He’d probably think that was funny.
We were exposed to the idea of death very early on, making it a normal part of life, without making it rule our daily lives. That distance I learned to be comfortable with became so ingrained that it’s difficult to follow any mourning rituals that dictate weekly and monthly visits to graves or temples or churches. More frequently than once a year is overwhelming.
I think my cousins still carry on the tradition because they’re still local to the graves, but we’re not, and so I can’t share it with JuggerBaby as I would like to. As a poor alternative, I started a journal after ze was born where I share memories of my mom and others whom I would have honored on that day and why I remember and grieve their loss.
:: When did you learn about death? Do you have any family traditions to handle loss?
December 5, 2016
On Money
Income
Our normal income is two full time day job salaries. We experiment with earning money on the side, including minimal cash flow that we don’t touch from an investment property. The goal is to replace our day job income before my health gives out and prevents me from working.
Our incomes which I am exceedingly grateful for remain the same. This is good from a stability standpoint. There have been too many nights lying awake after working a 100 hour week for the overtime and wondering how long it was before I fell apart completely and could I get us to a safe place before then? So I’m grateful for what we have.
I’m also aware that the clock could run out on my particular job, whether it be my patience or my professional stagnation, so there is some internal buttkicking going on in trying to nail down the important things I need to address when crafting my next step. (more…)
December 2, 2016
It’s almost embarrassing to admit this but I buy my shrimp from Safeway. My Asian card just caught flame. But there’s a good reason, I swear! One, the nearest Asian market is 99 Ranch and that parking lot is, if possible, as terrible to navigate as any parking lot in Rowland Heights back in Southern California. I’d rather walk to the store. Except it’s ten miles away so that’s not happening either. Two, their shrimp are deveined! This was revelatory.
I can devein shrimp, I’m good at it. Or rather my 13-year-old, pre-fibromyalgia hands were great at it. Now? Hah! I save my fine motor control for things like not slicing off more than just the tip of my finger. That’s not hyperbole, by the way, I did slice off the tip of my index finger two weeks ago. It got better.
Anyway, shrimp from Safeway, saving fingertips, and even more importantly, time across America!
(If you don’t know why I’m mocking myself, it’s because I’m probably the only person in my family who buys their seafood from a not Asian market. Growing up in Southern California nearish to LA meant that Asian markets abounded and growing up in a traditional immigrant family meant we never cooked anything but our home country cuisines. And no non-Asian market carried Asian food fixings beyond soy sauce, so we always always always went to an Asian market. And stopped by for a passel of banh mi on the way home.
My shrimp were destined for a decidedly non-Asian ending though, because I adore this dish!
I keep this one super simple, just as it was intended.
Ingredients
1 cup polenta (grits)
3 cups water
Swish of salt
Half a small onion, halved again and sliced
Several cloves of garlic
1/2 pound of shrimp, deveined, shelled
Doing it right
Boil 3 cups of water, swish your salt in, and when it’s boiling, stir in the cup of polenta. Let it boil at medium to low heat, stirring every 20-40 seconds to make sure it doesn’t stick to the pot. This is something I forget every other time I make it and end up scraping regret off the pot. Actually no, I cheat and boil water with some baking soda which lifts off almost all burnt-on guck. So don’t burn your grits.
Mince your garlic and slice the onion while the grits are cooking, unless you’re smart and/or had a sous chef do this already. I shooed my sous chef away to chase JuggerBaby around so I had to do the dirty work. Toss garlic and onions into a hot pan and let them cook for a few minutes. You could also toss in your tomatoes now, if you’d diced any. I always err on the side of cooking a little longer at this stage because I don’t want raw onions or overcooked shrimp when I realize I’m going to have raw onions. Because the next step is tossing on the shrimp and on medium heat shrimp cooks through really fast. I hate overcooked shrimp, it’s rubbery and awful. As soon as your shrimp are starting to curl up and the split deveined side turns outward, it’s nearly done. Usually it goes from translucent to solid white too but some don’t, and you don’t want to overcook it seeking that solid white. A few minutes will do the trick.
In the meantime, your grits. Once the pot is hot and smooth when you’re stirring, it’s just about done. If you want (and I usually do), throw in your cheese at this point, stir it well so none is sitting on top and turn off the heat. It’ll thicken in no time. (Actual time: one to two minutes)
To serve: a generous dollop of your cheesy grits on a plate, with a little hollow for your grilled onions and shrimp on top.
I added a handful of too-crispy, slightly burnt kale chips to our plates for our brown-greens. Still edible but those should have come out if the oven a few minutes earlier.
Total time to serve: 45 minutes, and only that long because I was poky and inefficient. Normally I’d have gotten it served in 25-30 minutes.
November 30, 2016
A More than Minor Injury was sustained by JuggerBaby.
We shared many moments of toddler distress, and equal parental distress for the pain ze was experiencing. Zir whimpers of pain were pathetic, especially for a kid who shakes off bleeding wounds if there’s something better to pay attention to, and heartrending when it escalated into cries of distress.
After a worried hour of coddling, icing, comforting and feeding but no resolution, we ended up at the ER. They were, despite zir panicked screams and tears, caring and efficient, trying their best to put zir at ease and bribing with many many stickers. Despite their best efforts, we ended up back in the hospital doing follow-ups when that treatment didn’t resolve the issue, and then several more hours picking up medical supplies.
Prognosis? About three weeks of healing.
If that’s all it is, and I’m hoping and praying that’s all it is, then it could have been a lot worse. JuggerBaby left a trail of snot and tears streaked across a few of my shirts so ze might have a different opinion, but I’ve tended to far worse wounds in my day. For now, ze isn’t an unhappy camper, ze is more comfortable and is coping bravely.
There were a lot of moments when I didn’t feel anything in particular. It wasn’t panic numbness or guilt-spacing out, it was knowing that this was painful and inconvenient and difficult, and just plain awful as parents seeing their child in pain. But foremost in my mind was thanks for our good fortune in life right now, because even as we tackled one hurdle after another, it was entirely manageable. Tiring, even exhausting, hauling many pounds of distressed child, trying not to jostle zir, but as long as ze comes out of it fine in the end, that’s all we have to really care about.
We are so fortunate that we have good health care and insurance.
The ER visit copay was $100, our followup copay was $20. Our FSA covers that with ease. The five x-rays were torturous, and the casting was worse, but we didn’t have to ask how much every single test or exam cost. I know exactly how much it costs to take X-rays for dogs and I swallow hard whenever we have to take Seamus back for another $200-400 visit – human medicine is multiple times more expensive. Part of this is because we chose an HMO, part of this is because the level of plan we have in the HMO is really good. Our premiums are relatively high, but the tradeoff was not having to think and worry about the cost of every item.
Intertwined with that lack of worry was the level of care we got. When I wanted an extra x-ray to be absolutely sure there wasn’t a third problem lurking, we had already been surprised twice, the technician got right on the phone to request it, and made sure that we got authorized for exactly what we asked for.
In my decades-long history with medical care, I’ve been seen by grossly incompetent doctors, strings and scads of them, who dismissed my pain as imaginary or in my head. I was prepared to go to war for my child, but I didn’t have to. They accepted that zir pain was legitimate and treated it as such.
We are so fortunate to have money.
We’re not rich, hence my iron-clad rule that we always save first and never spend more than we make. That means that we have reserves in case of emergencies.
That means that cost didn’t determine if we would get the medical supplies and clothing ze needed to be warm and comfortable.
We can afford ten dollars for a cast cover for daycare, since they won’t be able to take the same caution we do to keep zir cast dry. When it became clear that zir arm wouldn’t fit into any sleeves, I had a hoarded gift card to cover the cost of a warm coat – 50% off, a bargain hunter never quits!
We are so fortunate to have the mental space to plan ahead.
I always keep an eye out for clothing 6-12 month sizes larger than ze is currently wearing, gathering them piece by piece so that when ze has a growth spurt, we’re not scrambling to keep zir dressed. Ze needs looser, roomier clothes for a month? No problem, I dug out the little stash of larger clothes. We’ll have enough clothes to last a week.
We are so fortunate that our jobs aren’t run by tyrannical nincompoops.
When we had to drop everything and go back to the hospital, without a question we both got ready to go. We spent the time we needed taking care of our child with a second thought. The nurse asked us if we needed doctor’s notes during one of the visits and we both just looked at her blankly for a couple minutes before realizing why she asked.
What an utterly upper middle class reaction.
It’s been a decade since that was my life but I remember shift work. I remember not being able to make a doctor’s appointment without finding a replacement to cover for me. (My managers never used to find coverage for us so, sick or bleeding, you had to cover your shift. They sucked.)
I remember that I couldn’t afford to lose the wages by being out sick, so I worked through illness, and pain, and without a doubt exacerbated my fibro. I had to suck it up, I didn’t see a doctor.
(And that’s when I was lucky enough to have health insurance. In the year before I was working a full time job, in the early days of my fibro, we couldn’t afford health insurance. I didn’t know what the “oh, self-insured” comments meant for years but opted out of the repeat humiliation of trying to be seen at the local clinic. When I did get an appointment, without fail, a mid-50s male doctor would look at my x-rays and tell me that my pain was in my head. There’s a reason I look at male doctors sideways to this day.)
I hate that this happened but …
Comparing this ordeal with when I had to deal with Mom’s illnesses, the near-hyperventilating math trying to figure out where the money was going to come from, while navigating the near impossible, many hours-long waits in the Medicaid-accepting medical offices – it’s just no comparison at all.
Money and good care makes life a thousand times easier. I cannot be more grateful that while I couldn’t provide the care that Mom deserved, we can now for JuggerBaby.
At this moment in time, even with all the worry, numbness, anxiety, and wondering what the heck is going to happen, we are in an incredibly good place for this and I cannot help being grateful. I cannot let it go without passing on some of our good fortune when there are so many in the world doing without, or suffering terribly.
There are so many, but right now I’m thinking of Aleppo. I’m thinking of the X Clinics and especially the one in Texas serving rural populations who have the least access to reproductive healthcare.
:: Who would you support when your cup runneth over? What are you grateful for today? Have you ever broken a bone?
November 28, 2016
I’m not trying to be pessimistic. I never have to TRY to be pessimistic, I was born expecting the glass to be empty and missing if I turned my back on it. This explains why I’m prepared for most wound care up to a broken bone.
Naturally that means I’m concerned about the state of the nation but also leaves me at a bit of a crossroads with our money.
I’ve got the usual conflicting goals of needing to secure stable income and preserving capital versus needing to use our capital to invest aggressively to grow our wealth while time is still on our side.
This is further complicated further by my family. No matter how much I resent the situation they’ve created, I can’t find it in myself to pretend I won’t care if and when Dad gets sick and needs better care than he can get from Medicare. I know Medicaid care. Mom had it and it was point blank terrible. She was miserable for far longer than she needed to be because they weren’t that interested in finding a diagnosis nor were they interested in treating her. They really just wanted to get her out of the office at each visit and didn’t ask even the most basic questions about how she was coping. She didn’t help matters by putting on a brave front trying to pretend she was fine but someone who is fine doesn’t have blackouts, six accidents in as many months because their vision blurred out or greyed out, or forget where they’ve lived for the past 15 years.
Needless to say, I expect Medicaid to be not much better for Dad.
Ponderable 1: This year I started moving a lot of cash into our investment accounts. I was also hoarding cash because I’ve been looking for another rental property. But with all the I don’t knowness in the world today, I’m not sure that committing us to a third mortgage sits comfortably. How much of a mortgage debt:cash ratio am I comfortable having? Not counting our brokerage account which I consider a long term investment, we’re at about 2.3:1 mortgage:cash right now. If I take on a third mortgage it would feel like a fairly large imbalance. Maybe the more important questions are whether the income that it will generate long term is worth taking on the debt, and whether we could bear up to a year of expenses (repairs, vacancy) without income in case of a job loss.
Ponderable 2: apocalyptic planning – as I’ve said before, I’ve friends who grew up in internment camps. This has and can happen again. With that in mind as a possible worst case scenario, it’s hard not to want to plan for losing everything including freedom despite it being such an major set of unknowns.
Ponderable 3: I have no idea how much I need to save in case of a serious illness and any long term care Dad might require. Maybe $250k? Should that just be considered a cost we deduct from our cash and non-retirement accounts? Probably yes.
Ponderable 4: How aggressively must I invest, and spread out risk, to achieve income replacement in ten years, given the other likely demands on our money? How comfortable can I get with that? And how likely is it that this Presidency will result in one or both of us losing our jobs? I think mine is more at risk but PiC’s industry isn’t invulnerable and our fields are small enough that a sharp contraction would leave a whole lot of us out in the cold.
Ponderable 5: Can we afford to add to our family any time soon? Going by JB’s costs, if we were to add naturally (if we could, and wanted to), childcare would add about $20k to our annual expenses, before food and anything else. If we were to adopt, those costs would be so variable it’s probably not worth guesstimating right now. Either way, probably no. And, dare I? It terrifies me even more now to imagine how we’d protect THIS child, if things go Deep South, and that’s with a two to one adult-child ratio. I had protective worries when I was pregnant before but they were run of the mill compared to now. I’m watching this irrepressible child and thinking back to the Diary of Anne Frank and shudder to think how impossible it would be to hide zir if it came down to that.
I have more questions but these are top of mind as I try to make sense of the hate and ugliness. A Jewish friend has had her car vandalized twice now since the election with swastikas and “Hitler” among other vile things scrawled across it. DT hasn’t even been sworn in yet and the repercussions of his hate rhetoric are affecting real people deeply.
:: What’s on your mind, money or otherwise? Do you see a clear or murky path ahead?