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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March 24, 2010
I have a lovely set of postcards to give away courtesy of Uprinting which has expanded to postcard printing. You can design and order your print cards online. Y’all have three days to snag this prize!
The specs:
100 4 x 6 Postcards for One (1) Winner
Paper Stock: 14pt Cardstock Gloss
Specifications: Full Color Both Sides; 3 Business Days Turnaround
Shipping: FREE UPS Ground Shipping
How to Enter:
(One entry) Leave a comment with your name and a valid email address.
Tell me anything you like about yourself.
(Five entries) Follow me and tweet this up to five times
“Win postcards from @RevancheGS: http://bit.ly/biwtBJ RT to win!”
(Two entries) Blog about this giveaway
Link back in a comment to let me know.
(Two entries) Subscribe to my feed (If you already subscribe, let me know in a comment)
Rules and Restrictions
1. I will select a winner at random using a number generator.
2. My decisions are final.
3. Open to US residents only. Sorry, my non-US resident friends!
4. Giveaway closes 11:59 pm PST, March 27th.
Six months ago, we said goodbye to a very dear friend.
It’s tax season, he always thrived during this time of year.
“Uncle,” they called him. As in, “Uncle, here are my forms, will you do my taxes?” Or “Uncle, I have a problem, I need your help.”
Through the years ….
“Uncle, it’s good to see you again. [hug] How have you been? Are you ready for another year of Comic-Con? Is there anything we can bring you back? No? We’ll see you for dinner tonight, I’ll call when we’re on our way home!”
“Uncle, we got you a t-shirt! Thanks for all the fruit you picked out, they were all fantastic for lunch. We saw so much today, I’ll tell you all about it …. “
“Uncle, what were you like as a boss? I’m going to be just like you, never stop working.”
Today …
“Uncle, we miss you. Your oldest is doing so well at his new job. You’d be so proud of him. You’d shake his hand. And give him a good pat on the back. He’s taking care of the family just like he promised. It’s not easy, you knew it wouldn’t be, but you just trust in him. He can do it. Youngest is still, well, still the youngest. Still needs a lot of attention, and more now that you’re gone. Youngest always needed someone to fight with and you were a sure thing. Youngest is a little lost without that anchor now. We all are. I’m still going to be just like you when I grow up. I just wish I’d taken better notes.”
He’s sorely missed.
March 23, 2010
Subtitled: So this is what it’s like, parenting.
Be forewarned, this here’s a rant.
The codependent sibling has struck again. This time, he’s proposing that he move the family to cheaper housing [don’t ask me how he thinks it’s going to be a) attainable, b) affordable, or c) tolerable as I have done my research on this front already], while he stays at the house with the dogs who wouldn’t be allowed in apartment housing, and renovate so that he can sublet to his prospective coworkers.
Leaving aside the costs of moving and maintaining a whole new household, the insanity of depending on him to renovate the house, and the utter lunacy of trusting him with my dog’s life and health, it’s like he’s a newborn babe innocent to all the ways of the world. [A thirty year old newborn.]
He really thinks it’s as simple as that summed up statement there. If I were crazy, foolish, or suicidally inclined, I might be tempted to say, why not? Let HIM take some responsibility for once. Except I’m not any of those and the second everything fell apart, I’d be asked to take over. Aw heck no!
This is the guy who hasn’t managed to pay $200 in rent once a month on time for more than 6 months. This is the guy who couldn’t keep up with his car payments more than halfway through the term, before abandoning the payments to me. This is the guy who evidently thinks I’m a moron and will cede to his Big Plan. Based on what? The essence of fairy dust?
Instead of smacking him upside the head Gibbs-style (ask Mrs. Micah or DebtHater what I mean 😉 by that), I listed just a few responsibilities “taking over the house” entailed, off the top of my head:
1. Are you prepared to feed and care for the dogs? Can you feed them on time every day, no excuses? Can you clean their ears, clip their toenails? Can you bathe them twice a month? Can you get your dog fixed? Can you pick up after them every single day?
2. What are you going to do when one of them gets sick?
3. Can you keep every public room in the house clean, vacuuming everything once a week, cleaning the windows once a quarter, washing the floors once a week?
4. Can you wash the dishes after every meal and wash down the kitchen once a week?
5. Can you turn off every unnecessary light in every room?
6. Can you make sure that no faucet, sink or tub in the house or the garage leaks?
7. Can you make sure that the windows are airtight?
8. Can you live without running the heat or the a/c?
9. Can you pay rent in full, every month, on time?
10. Can you pay the water/trash payments in full, every month, on time?
11. Can you pay the gas payments in full, every month, on time?
12. Can you pay the electric payments in full, every month, on time?
13. Can you pay the insurance payments in full, every month, on time?
14. Can you pay for groceries and gas after paying all those expenses without resorting to credit cards, borrowing money, or otherwise using money you haven’t already earned and received?
15. Can you live on what’s left after paying all those expenses without resorting to credit cards, borrowing money, or otherwise using money you haven’t already earned and received?
16. Can you make sure that the subletters pay their rent money to you on time to cover all of the above bills that you cannot handle on your own?
17. Can you make up the difference between $2500-3000 a month if your renters don’t pay you without resorting to credit cards or borrowing money?
18. How long can you subsidize your friends when someone doesn’t pay? You do know that just your living here doesn’t force them to pay?
19. Unless you have a legal written and signed document, you have very little power as a landlord. But the converse is that evicting someone for non-payment is extremely difficult in the state of California. You have to be unpaid for between three to six months before you’re allowed to evict them.
20. Who will be responsible if there’s an emergency?
21. Who is going to be responsible for a lawsuit if one of them or one of their friends gets injured on the property? You will. As the “landlord” you are legally responsible for injuries that occur on the property whether or not you were there to witness it.
22. How are you going to make time to renovate the house while going to school, working and managing finances for renters when you’ve never done the first two while managing your own finances responsibly consistently?
Now I think I’m going to go smack him upside the head. Honestly!! I have so many more things on my plate to deal with, I don’t have time to raise a 30-year-idiot.
*sigh*
Alright, fine. I’m a liar. I’m still in parenting mode. Because instead of just dismissing him and walking away, I’m giving him rules to abide by if he really wants to prove he’s serious about making things right. I am not sticking around to make him toe the line. Either he does it or he doesn’t, I’m not ceding any rights
School:
1. You lay out what your classes are from now until you graduate on a calendar.
2. You calendar when you will be looking for work that’s related to your degree or what comes next after graduation and how you’re going to make it happen.
3. You list out on a spreadsheet what the cost of school is, how much is covered by the government and what you will pay out of pocket for tuition, fees and books.
4. AND you show on a calendar your registration dates and the tuition due dates.
Rent:
1. You continue to work and earn at least $1000 a month.
2. You set out a budget that I approve in which you lay out how much money you’re earning against how much and what you’re spending. That will include a line item for rent, amount and due date set for the same time every month. It is your responsibility to make sure that I receive payment in full, on time.
3. You note your cash and every single item you spend on in the spreadsheet.
4. At the beginning of each month, your first payment is rent, at the end of every month, you post your spreadsheet with receipts.
House:
1. Whatever you think needs work needs to be scheduled to let everyone know what and when you’re doing a project and how long it will take. Renovations inconvenience everyone and you need to reduce that inconvenience as much as possible.
Does anyone want to start laying bets what kind of response my counter-proposal will get?
March 22, 2010
“Finite means, and deciding how to spend them, has a delicious tension that infinite means can’t supply.”
– From Carla Power’s The Pleasure of Pinching Pennies on Oprah.com
I can’t tell you know much I love that sentiment. The paragraph continues …
“If the lamp’s genie had granted Aladdin limitless wishes instead of just three, where would the fun be in that? The link between thrift and being fully engaged with life’s possibilities was recently noted by Barbra Streisand, of all people. Back before she got famous, she had to stretch her $45 clerk’s salary all week. “Those were amazing times,” she told a talk-show host, “when you have your future ahead of you, and the challenges of making that $45 last, and appreciating every penny.
Spoken like a true multimillionairess, you may scoff. The glamour of making ends meet frays pretty fast when you’re worried about losing your house or going without health benefits. There’s thrift, and then there’s fear, and nobody should confuse the two. But for those fortunate enough not to want for basics, there is a glorious discipline in trying to stretch your money to fit your vision of the world. Like a good workout, or great sex, weighing up how you spend your money recenters you, allowing you to feel the reach and heft of yourself moving through the world.”
The distinction made here between thrift and penury is critical — there was absolutely nothing fun about working 80 hours a week, trying to make decent grades in college, all the while wondering if I was going to bring home enough to pay both the rent and utility bills. There was nothing glamorous about dropping silent tears over my checkbook, willing the numbers to match up and stay in the black.
But years after that was over, when I graduated and started making a little more money, I made choices for myself. I started to appreciate what was truly important and why they meant more to me than eating out or buying Stuff. My parents’ choices made more sense: buying used clothes; handing clothes down through four cousins; only allowing me to borrow, not buy, books; and helping displaced family with comparative luxuries like take-out food, money and shelter. It took some years before I realized that they were making perfectly acceptable sacrifices for their kids to provide basic necessities to our extended family.
When you have just enough to get by, your choices are your values. Your lifestyle brings out the grit and creativity that usually hides deep in your bones.
_____________________________
My post on buying a car (should I or shun’t I?) was included in this week’s Carnival of Personal Finance! ’twas rough times out there, the Carnival is overrun by the classic ninja vs. pirates vs. nuns vs. fighting robots vs. real estate agents vs. zombies!
March 20, 2010
Deep in the throes of moving and organizing preparations, I keep taking time out to do regular life things.
We had another impromptu sushi dinner last night post-finals. I desperately needed to get out and re-focus my eyeballs after 6 hours of exams. Robin to the rescue!
Speaking of Robin, his promotion came with strings attached; the kind that are designed to make you fail out of the gate because someone else has a pet project/agenda they’re determined to push at someone else’s expense. Unbeknownst to that higher-up, Robin has been heavily recruited by another company for years and their offer was still good. He traded that promo-with-strings for a vastly improved commute, better hours and decent money. Kick rocks, senior management!
The renters insurance paperwork came in today and I’m scanning in all 50 pages of it. While I do that with one hand, the other is making calls to find out why the policy coverage summary is incomplete. I’m pretty sure that splitting my attention like this will cause me to drop the ball on *something* but I can’t just do nothing else while I want for the Epson to scan one page at a time.
If I can navigate the shredder out from behind half a dozen packed boxes, I’m going to start shredding that junk mail; I’ve also just opted the entire family out of receiving prescreened credit card offers using OptOutPrescreen.cpm.
Oh, and I have to do something about those bees. I have no idea what, but there are a LOT of kids in this neighborhood and I would hate for one to go running through that pile of bees, squash some and get stung by all the rest. If anyone’s allergic, that would be a disaster. I don’t want to hurt them either, though, so kill options are not. Not an option, that is.
Oh! And I have to hunt through the house for my boots. I had an old pair of boots and a helmet somewhere around here and they should really come with me.
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And of course, keeping up with the blogging world! Reading and commenting, dashing off notes, etc.
Couple Money has a Netbook giveaway for their 6-month anniversary!
March 19, 2010
Michelle lit a fire under my butt with the suggestion to get my renters insurance in order. I hadn’t committed to a policy since talking about it in October for a very stupid reason: I was grumpy that my quotes were so high in comparison to everyone else’s. That’s just nonsense. I’m insuring a 3-bedroom house with two dogs and earthquake insurance in California; clearly I forgot I wasn’t comparing apples to apples.
But I’ve finally just bitten the bullet – I’ll be gone soon and won’t be here to take care of anything in case of theft, break-ins, etc.
With the following sage advice from my previous post
@Funny About Money: Be sure it covers full replacement value…that is, what it would cost to buy new stuff. Unless a policy specifically says that (and check with the agent to be sure what the wording means), the insurer may pay you only what it decides is the used value. And used furniture and clothing isn’t worth much, by anyone’s reckoning.
— My policy covers full replacement value.
@The Lost Goat: Make sure the plan covers your comic books … I have to get riders to cover my firearms, because they are not considered general household items. Expensive collectible things like firearms, jewelry, and stamps generally require riders (read: more money) if they are valued past a certain amount.
— A comic book rider will cost something like $15/$500 increment, well worth it. The interesting detail about the rider is that if a loss occurs just to the books, I don’t have to pay a deductible. They would simply pay out the claim in the amount insured.
I set up two policies
I’ve increased my required monthly contribution amounts to the Insurance Fund accordingly to make sure that I’m covered this time next year when the renewals come up. When I get the chance – honestly, probably in a month or so, I’ll rate-review again just in case another company had better rates. I don’t get a multi-policy discount anyway so there’s no real reason to be loyal to a single company if I can find comparable value and better rates elsewhere.
March 18, 2010
Does anyone have a safe deposit box for their important documents?
Now that I’m going to be more or less a denizen of California as a whole, and not just local to one or the other region, I feel even more nomadic than when I was just traveling during unemployment. I want to have a secure location to keep my birth certificate, passport, Social Security card, and eventually my will. (The will is still under construction.) It seems a little pretentious to rent out a safe deposit box for just those documents, though, and as though a fireproof, waterproof safe might be a better long term choice.
Until I called the bank, I had no idea the boxes were so expensive, so I’m a bit put off by it. I’d love to hear some arguments for or against the whole idea. Or alternative solutions I’ve not yet considered, even.
