Showing posts with label miscellaneous. Show all posts
Showing posts with label miscellaneous. Show all posts

Tuesday, May 13, 2008

On Keeping a Lot of Notebooks

With apologies to Joan Didion...

Many readers will know that I am a die-hard user of Palm OS PDAs. I've probably spent between $5,000-6,000 on assorted devices, software and accessories over the past 10 years or so, (some of which was later recouped by selling old Palms on ebay) and I feel like most if not all of that money was pretty much worthwhile. I love to carry around lots of information, and I am now so addicted to electronic reminders that I find it impossible to remember tasks and meetings without little beepers going off.

But despite my adoration of electronic gadgetry, I am also a notebook person. My infatuation with notebooks started when I was a child: a family member would give me the little pocket sized diaries that she received each year as a member of the Harvard Coop. They were great little notebooks, with a week at a view, and lots of extra pages with space for addresses, measurement conversions, lists of holidays, etc. I would carry one of these with me everywhere, writing down whatever little things I could think of to write. (Since I was, after all, a kid, I was often frustrated at my lack of important things to write down-- I didn't go to any meetings, I didn't have many expenses to track, and spying on the neighbors didn't really result in clues to any mysteries that I might be required to solve.)

Beyond those little diaries, I've probably spent thousands of dollars on hundreds of notebooks over the years, from little wire-bound notebooks to clothbound sketchbooks to expensive leather Filofaxes. When I moved almost two years ago, I packed at least 3 or 4 shoeboxes full of small notebooks in varying degrees of jotted-ness. I just loved notebooks so much I would often want a new one just for the feel of it, whether or not I really needed any more space to write things down. I was always looking for one that would be a little closer to being THE PERFECT NOTEBOOK, my definition of which shifted over time. When I got into the Filofax stage of the addiction, it got much more expensive, and I bought a few things I really shouldn't have spent so much money on. I was seriously addicted.

When my obsession with information-carrying 3" x 5" objects morphed from paper to electronics, I kind of took a break from buying notebooks. But I still liked to keep a journal, and that is something I can't do in a PDA. For at least the last 5 years or so, the only notebooks I've used for this purpose are Moleskines. The pocket sketchbook became my notebook of choice-- it's got nice heavy unlined paper, good for writing and drawing, but also even for the occasional watercolor painting. I have about 12 of these notebooks, full of all sorts of things: memories, musings, lists, numbers, sketches of Venice and floorplans of apartments. I also have 3 of these notebooks that are brand new and still in the wrapper: spares, since I don't like the idea of running out.


I had to go to a stationery store a couple of weeks ago to find a gift for someone, and for some reason, I found my old notebook lust re-awakening. I bought a Moleskine-ish sketchbook that I thought would be good for drawings-- the paper is rougher than the Moleskine, and I liked the thicker, bulkier feel. But of course I still gazed at the Moleskine display too, and discovered a new kind of Moleskine that I'd never seen before: the soft cover Moleskine, with graph paper inside. It looked nice, it felt nice, it smelled nice: I had to have it. And the minute I took it home and started writing in it, I wanted another one with plain unlined paper too.

The store I'd been to didn't have any soft cover ones with unlined paper. I went into a few more stationery stores who didn't have that kind either. In the process I noticed that different stores charge very different prices for Moleskines. The $12 I just paid for a pocket size Moleskine seems to be about the minimum retail price, but places like Kate's Paperie on 57th street charge up to $15.
Then I looked on Amazon, where the prices vary quite a bit-- sometimes they are the standard $12 retail, some models are discounted 20% or so, and of course you get the other "Used & New" sellers sometimes offering prices as low as $3 or 4 plus shipping. I also found a site called Moleskines.com which offers lower prices and discounts for buying in bulk. The thought of having a dozen pristine Moleskines delivered to my doorstep is disturbingly pleasant.

What can I say... for people like me, Moleskines seem to be one of those things where any sense of financial reason just flies out the window. And I'm not alone-- throughout this post, the word Moleskine links to different sites where these notebooks are artfully used and appreciated, but I particularly enjoyed this writer's summation, at the Cranking Widgets blog:

So, since we’re neat, organized people - here’s a list of what Moleskine’s really are:

1. Paper Notebooks - This is first and foremost. At the end of the day, when all is said and done, these things are just pads of paper. You write things in them just like you would a $.59 spiral-bound notebook from the drugstore or on the back of a cocktail napkin.
2. Expensive - A single large (5.5″ x 8.5″) Moleskine notebook will set you back anywhere from $15-$20, depending on where you buy it. If you were to tell me 5 years ago that one day I would drop that kind of cheddar on a book of blank pages, I would’ve laughed in your face. But, i did it...

I should also point out here, and I feel like a commenter may have mentioned it in the past, that Moleskines can help with expense tracking if you want to do it manually. The pocket on the inside back cover is a great place to store receipts!

Do we have any other Moleskine fans in the peanut gallery?

Wednesday, May 07, 2008

It's Spring, Do You Know Where Your Wallet Is?

I obviously don't. For the 2nd time, I've gone out to lunch on a nice warm day intending to spend a full hour out and about, enjoying the sun, doing errands, etc. But then it turns out that I've forgotten to bring my wallet with me!
I have a small wallet where I keep my cash and most-used cards. (See "what's in my wallet" details in this post.) It tends to be in my jacket pocket, and when I went out to lunch today, I didn't bother to bring my jacket! I did have my bag with me at least, in which I keep another small card holder which has a couple back-up credit cards and less-used things such as insurance cards and mini subway maps. I was at least able to buy my lunch with a credit card, but I couldn't do the errand I'd wanted to, as that involved filling prescriptions which were in the wallet I'd left behind.
It was annoying to have to use that alternate credit card-- I usually only use it when I order something from LL Bean, as it gets me free shipping. If I was going to charge lunch, I'd rather have done it on the card where I'm racking up frequent flyer miles. On the flip side, I now know that the favorite deli where I usually pay cash for my salad is happy to accept a credit card, so maybe I'll start using one on a regular basis!

Anyway, now that the weather is getting nicer, I'll have to make myself a little lunchtime checklist:
Sunglasses?
Water bottle? (so I don't have to buy a drink)
Bag with book, notebook and/or crossword puzzles?
Wallet??????

Thursday, April 24, 2008

More Money Music

Here's another list of money music from my iPod. Like my first list of money songs, these are not all explicitly about money but they all have lyrics that have something to do with money, consumerism, greed, aspirations, and dreams of the good life, or at least sound like they do when taken out of context!

U don't have 2 be rich 2 be my girl
--Prince, "Kiss"


Of all the things that money can buy
Freedom's never cheap

--Style Council, "How She Threw it All Away"


But I've got to have the car I need it for the weekend.
I've got to have the stereo,
And a couple of deletions
I've got to have the freezer
Put some fun back in my eating
I've got to have it all until I'm complete!

I want a New Toy, to keep my head expanding...

-- Lene Lovich, "New Toy"


And I won't be sorry if you won't be
And I don't want your pity or sympathy

But with just a few dollars
I can make it, just you wait and see
--"Conversation on a Barstool," as performed by Annie Ross, Short Cuts Soundtrack


The kind of freedom that you can buy
My bank won't lend me yet

--Neneh Cherry, "Ain't Gone Under Yet"


You've been reading some old letters
You smile and think how much you've changed

All the money in the world couldn't buy back those days.

--The The, "This is the Day"


Rockets, moon shots
Spend it on the have nots

Money, we make it

'Fore we see it you take it

--Marvin Gaye, "Make Me Wanna Holler"


It's always better on holiday
So much better on holiday

That's why we only work when

We need the money

-- Franz Ferdinand, "Jacqueline"


Paid off our house and then it fell into the ocean

--The Dandy Warhols, "Smoke It"


Folks say Papa would beg, borrow, steal to pay his bills.
--The Temptations, "Papa was a Rolling Stone"


Spend all my money on absolutely nothing
Need no man to pay for anything

--Imani Coppola, "Legend of a Cowgirl"


Everything is good because I'm living and I'm healthy
I'm not too concerned 'bout being poor or being wealthy

--Mary J. Blige, "Beautiful Day"


When you f*** it up later, Do I get my money back?
--Aimee Mann, "How Am I Different"
(also as performed by Bettye LaVette)


Treat me like your money
Love me, need me, want me
Take me wherever you go
Worship me your whole life
Pray for me at night
Treat me better than anyone you know

--Macy Gray, "Treat Me Like Your Money"


Whats the matter with your life?
Is the poverty bringing u down?
Is the mailman jerking u round?
Did he put your million dollar check
In someone else's box?
--Prince, "Pop Life"


Try dancing that mess around!

Thursday, April 03, 2008

The Cost of Curiosity: Online Genealogy

Here's the weirdest thing I've spent money on lately: I paid $32 for a month's worth of access to Ancestry.com.

This started out rather innocuously. A friend was telling me about her family's small business and I tried to Google it. This led to a couple of results popping up that were from old New York Times articles about her relatives. It turns out that they had an interesting history and were prominent enough at one time to have made the papers, back when they used to publish lists of who'd just come in on ocean liners from Europe and who'd been tapped for secret societies at Yale. The family name was unusual enough that I started to see a chain of relationships, with deaths and marriages, and I sketched out a little family tree.

I told my friend what I'd discovered, and she was fascinated, and knew her other relatives would be interested too, especially her mother. She told me a bit more about their family, but said the traces wouldn't go too far back, as her great-grandfather had supposedly emigrated from Scotland and changed his name when he arrived. But I discovered someone else with his name who I suspected might be his father, and started to be even more curious. I moved beyond the NY Times results and began to look at genealogy sites, and with the limited results brought up by ancestry.com's free search, I thought I'd discovered something. I couldn't stand the suspense, so I registered myself for a free trial membership-- within minutes, boom, I was staring at a passport application from 1920 that proved that my friend's great-grandfather was born in the USA, and that the other man I'd seen references to was his father! Then I wanted to trace the family back even further, but to get access to census records from Scotland, I had to actually pay up front for the world membership. I was gritting my teeth about doing it, but I was dying to find out more, so I went for it, and sure enough I found connections to the family back as far as the 1841 census in Scotland.

I feel like I have a whole new hobby now! I wish I'd been a historian, or a detective or something, as I seem to have an obsessive curiosity and patience for digging through records and searching out possible misspellings of names, etc. I've printed out pages and pages of old newspaper articles, letters to the editor, passport applications, census records, passenger lists for Ellis Island arrivals, old phone directory pages, etc. It is amazing what you can find! My friend and I are going to put everything together in a binder and give it to her mom for her birthday, who I think will be amazed to discover that she had a great grandfather who was here in the USA doing interesting things, rather than being some long lost anonymous person in Scotland.

If you're wondering why I'd do all this for someone else's family, well, it's just because they were way more interesting and easier to trace than mine! And guess what, that's largely because they had more money! I have names of my own ancestors going back a few generations, but when you're looking for people with very common names who had 8 brothers on one side of the family, and 16 siblings on the other (!), it gets difficult, and kind of boring! No one in my family had the money to do any international travel and their social activities weren't noted in the papers, so there just isn't as much of a historical record beyond census data. But it was cool to see my grandparents listed on census sheets when they were little kids, almost 100 years ago!

As for the money I paid to dig into all this? There are some free sources of genealogical data, I guess, but I had a hard time finding any that were actually useful at all. Most are horrible to look at, full of broken links, and very limited in terms of what information they cover, or they just refer you to brick and mortar libraries where you can look at microfilm. Ancestry.com is a piece of cake-- it has a great search tool, and lots of data is aggregated there, with very clear images of the original documents. The $30 was well worth it. If you've ever wanted to know more about your family tree, give it a try!

Monday, March 24, 2008

A Weird Dream

I woke up this morning and couldn't wait to blog about a dream I'd just had! I think it was inspired by a piece of art I saw hanging in a restaurant last night. I mentioned to my dinner companion that the colors might look good in my bedroom. We then had a conversation about whether it was any good as art-- I didn't think it was anything really special, but my friend kind of scoffed at it and said I could just paint something myself that would be much better. I kind of agreed, since it was a really abstract piece that was basically just two big areas of flat color! But I guess I went to sleep with art on my brain.

In my dream, I was in a place sort of like the Strand Bookstore, except that there were various big old paintings hanging on the wall. I noticed one that was up near the ceiling-- it seemed to be painted directly on a piece of ragged plywood that was covering some sort of attic door. The painting was of a man sitting at a table, with his hands on an open book. He was leaning down so that his chin was below the level of the table edge and his eyes were staring out over the edge of the book. His hands seems unnaturally large, and they were painted very beautifully, with light and shadows across the fingers. The background of the painting was a room with dark blue walls.
For some reason, I decided I really liked this painting and wanted to buy it. The store seemed to be having a going-out-of-business sale, so I thought they might sell it to me even though it seemed to be part of the building itself, not a free-hanging piece. An old lady came by who I guessed must be the owner of the store, and I asked her if the painting was for sale. She said, "Oh sure, but I'm not sure how it costs, maybe $120 or $130 dollars." Hearing that, I was thrilled, as I'd been thinking I might offer $200 or so! Then the old lady told me that the painting came with a small black chalkboard hung on the back of it-- she pointed to other paintings with similar chalkboards near them, covered with columns of numbers, and said that the numbers represented the history of the auction bids on the paintings. I thought the little chalkboard was almost as cool as the painting itself, so I rather breathlessly said "Great, I want to buy it!"
The old lady set someone to work on taking down my painting, and we went to a cash register. She then handed me a bill with the price scrawled across it in huge numbers: $1,000! I was stunned, as I'd thought I was getting the painting for $130! I stood there wondering what to do-- had my obvious excitement over the painting made her think she could charge more for it? Should I try to negotiate a lowball price? How much did I love the painting? Was it worth spending $1,000 or should I just walk away if she wouldn't lower the price?

And that's when I woke up. I hate it when dreams are left unresolved like that!

Wednesday, March 19, 2008

The Color of Money

Is it just me, or is anyone else starting to get confused by all these redesigns of our currency? They're designed to foil counterfeiters, but with all these changes, I personally can't keep track of what REAL money is supposed to look like any more! Okay, the new security enhancements may be easily detectable by machines, and may make it harder to make a $5 bill into a fake $100 bill, but if money doesn't look the way we think it's supposed to, doesn't it make it much easier for the average person to be fooled by counterfeit bills?

And "greenbacks" aren't even going to be green: the whole thing that got me thinking about this was this Gawker story about the new $5 bill being rather purple...

Wednesday, March 05, 2008

More Recent News: Cost of Prison, Expensive Placebos, and Payments for Good Grades

More recent news items of interest, all from the New York Times:

1 in 100 U.S. Adults Behind Bars, New Study Says

Nationwide, the prison population grew by 25,000 last year, bringing it to almost 1.6 million. Another 723,000 people are in local jails. The number of American adults is about 230 million, meaning that one in every 99.1 adults is behind bars.
....

Now, with fewer resources available, the report said, “prison costs are blowing a hole in state budgets.” On average, states spend almost 7 percent on their budgets on corrections, trailing only healthcare, education and transportation.

In 2007, according to the National Association of State Budgeting Officers, states spent $44 billion in tax dollars on corrections. That is up from $10.6 billion in 1987, a 127 increase once adjusted for inflation. With money from bonds and the federal government included, total state spending on corrections last year was $49 billion. By 2011, the report said, states are on track to spend an additional $25 billion.

It cost an average of $23,876 dollars to imprison someone in 2005, the most recent year for which data were available. But state spending varies widely, from $45,000 a year in Rhode Island to $13,000 in Louisiana.

The cost of medical care is growing by 10 percent annually, the report said, and will accelerate as the prison population ages.



More Expensive Placebos Bring More Relief


The investigators had 82 men and women rate the pain caused by electric shocks applied to their wrist, before and after taking a pill. Half the participants had read that the pill, described as a newly approved prescription pain reliever, was regularly priced at $2.50 per dose. The other half read that it had been discounted to 10 cents. In fact, both were dummy pills.

The pills had a strong placebo effect in both groups. But 85 percent of those using the expensive pills reported significant pain relief, compared with 61 percent on the cheaper pills. The investigators corrected for each person’s individual level of pain tolerance.

“It’s a great finding,” said Guy H. Montgomery, an associate professor of cancer prevention at the Mount Sinai School of Medicine who was not involved in the research. “Their manipulation of price affected expectancies of drug benefit, and pain is the ultimate mind-body phenomenon.”


Next Question: Can Students Be Paid to Excel?

The fourth graders squirmed in their seats, waiting for their prizes. In a few minutes, they would learn how much money they had earned for their scores on recent reading and math exams. Some would receive nearly $50 for acing the standardized tests, a small fortune for many at this school, P.S. 188 on the Lower East Side of Manhattan.

At Junior High School 123 in the Bronx, Jerome Johnson, a seventh-grade math student, also received cash awards.

When the rewards were handed out, Jazmin Roman was eager to celebrate her $39.72. She whispered to her friend Abigail Ortega, “How much did you get?” Abigail mouthed a barely audible answer: $36.87. Edgar Berlanga pumped his fist in the air to celebrate his $34.50.

The children were unaware that their teacher, Ruth Lopez, also stood to gain financially from their achievement. If students show marked improvement on state tests during the school year, each teacher at Public School 188 could receive a bonus of as much as $3,000.

School districts nationwide have seized on the idea that a key to improving schools is to pay for performance, whether through bonuses for teachers and principals, or rewards like cash prizes for students. New York City, with the largest public school system in the country, is in the forefront of this movement, with more than 200 schools experimenting with one incentive or another. In more than a dozen schools, students, teachers and principals are all eligible for extra money, based on students’ performance on standardized tests.

Tuesday, February 19, 2008

BBC Shortwave Discontinued Due to Price of Diesel Fuel?

BBC Ends English Shortwave Service in Europe

This story interested me for a couple of reasons. First of all, I remember my father listening to the BBC on a boxy old shortwave radio when I was a kid, and somewhat more recently, I was seeing someone who asked for a portable shortwave radio for Christmas, in order to listen to the BBC, among other things (fortunately it was a couple of years before the BBC ended shortwave service to North America, which happened in 2001). Oh, and guess what: good shortwave radios can get very expensive!
Of course the BBC isn't the only good thing about shortwave: you can get all kinds of stations from all around the world. There is also some way you can use a shortwave radio to count meteors during a meteor shower, if I remember correctly-- if you tune it a certain way, there will be a spike in the volume level of static whenever there is a meteor, or something like that. (Go ahead and be impressed that someone like me knows this!) Shortwave radio seems like one of those odd little geeky hobbyist things that is actually kind of neat.

But of course everything that was neat about shortwave radio is also what is neat about internet radio, so the shortwave medium has been on its way out for a while, at least in the developed world. But the reason I'm writing about it is the strange financial cause-and-effect relationship noted in the article linked above:

“What [die-hard shortwave listeners] don’t understand is the huge cost of powering transmitters. The cost of diesel fuel has doubled.”
Obviously I don't have all that technical a mind, but I never would have thought to link the cost of diesel fuel to the viability of broadcasting shortwave radio. You learn something new every day.

Tuesday, February 12, 2008

Thoughts on Living Within One's Means: From Jill Scott???

File this under "how to be a personal finance doofus..."

Maybe you know you have a warped perspective on life, the kind of perspective only an obsessive personal finance blogger can have, when you start finding financial symbolism in unlikely places. I've been listening to my ipod more than usual lately, and suddenly found myself mulling over these lyrics:

I'm taking my freedom
Pulling it off the shelf
Putting it on my chain
Wearing it 'round my neck
I'm taking my freedom
Putting it in my car
Wherever I choose to go
It will take me far
I'm living my life like it's golden...
I couldn't help wondering if this was somehow about taking money that should be earmarked for future retirement savings, which to me is "freedom," and squandering it on jewelry and an expensive car and/or gasoline. Could "living life like it's golden" refer to living beyond one's means, and enjoying some kind of gilded existence that is only illusory?

The song is called "Golden," by Jill Scott, and you can read the lyrics yourself here. After doing so, I'm sure you'll agree that my initial impression was wrong, and that it's just a song about living freely and joyfully, without any particular embrace of materialism despite the first verse. It's a great song, actually, but I'm afraid it won't make it into my next "Money Music" playlist.

And yeah, I'm a doofus.

Wednesday, February 06, 2008

Lost & Found: A Stolen Warhol Painting

A Warhol Surfaces and Is Headed for Court

But all you really need to know is what it looks like:

Tuesday, February 05, 2008

$8 Sardines

The other part of yesterday's "Dumb Money" story that I forgot involved the grocery shopping trip for the lasagna ingredients. Given the title of this post, you may already be alarmed and/or grossed out at the concept of sardine lasagna. I don't know, maybe such a thing could be good. But in any case, the sardines were totally separate from the lasagna.
Sardines are actually one of my favorite frugal meals. A can of sardines and a couple slices of buttered toast make a great dinner, though sometimes I can have a weird moment of self-awareness as I'm eating this meal. It's actually what inspired one of the most commented-on posts on this site, "What Makes You Feel Poor?" Eating sardines and toast for dinner doesn't necessarily make me feel poor, but if I really couldn't afford to eat anything else, it might.
But the point of this story is that sardines are sometimes not all that frugal! I was doing my grocery shopping at the Fairway in Brooklyn, which actually has very low prices on many items (such as Stonyfield Yogurt, which can be half the price it is elsewhere), but also stocks a lot of gourmet items which can start to get pricey. It's also just a tough place to shop because everything looks so yummy and you find yourself wanting to buy everything!
This time, my head was turned by a display of items which included a certain anchovy paste which I recognized as the product of a place I once visited in France, where anchovies were the local specialty. I almost bought some but instead turned to the cans of French sardines that were sitting right next to it. I had sardines on my shopping list anyway, and these French ones had a very pretty package so I thought I'd try them. They had lemon in them, which I wasn't sure I'd like, so I only bought one can and then got my regular sardines in a different aisle.
When we went to check out, I was putting the sardines on the conveyor belt and suddenly spotted the price tag: $7.99! For one can! I was shocked. The other ones I bought were less than $2 a can. How could these ones be so much more?
I pointed the price out to my friend, who said I'd be crazy to buy them. And I did almost put them back. But then I thought, well, it's still "only" $8, in the larger scheme of life, and now I'm really curious as to what could be so delicious about these sardines as to make them worth $8. Probably the only thing that makes them $8 is that they are French and the exchange rate stinks right now, but I still kind of wanted to try them. I waffled about it a little, but in the end I bought them.
My friend asked me afterwards if I was going to keep the can after I ate the sardines. After all, it was a very pretty red can with a quaint picture of a French girl on it, and I have a whole collection of cool old food and tobacco tins displayed in my living room. I said that yes, I did think I'd save the can and add it to my collection. Her response: "Oh, ok. Then the $8 is totally worth it."
Someone out there in food-marketing-land must be loving this story!

Monday, February 04, 2008

Dumb Money, Smart Money, Fat Money

I don't know where my head was last week. I ate dinner in a restaurant Thursday night, and paid for it with the Visa card I use all the time. Then on Sunday afternoon, I went to buy a couple of clothing items I'd found on sale (Ann Taylor Loft!) and freaked out when I couldn't find my Visa in my wallet. It took me a while to remember that the last time I'd used it was that Thursday dinner. The funny thing is that I actually did "use" it Friday night to pay for a delivery of Indian food, but since I have the number memorized, I didn't need the actual card itself and didn't notice it was missing!
Fortunately I was able to call the restaurant and they were holding onto my card for me. And no unauthorized charges had appeared on my account, much to my relief as a friend of mine just had to have her card suspended because of $7,000 worth of fraudulent charges at gas stations in Florida!
I didn't spend all that much at Ann Taylor, but I was a bit annoyed to have to put it on my Amex instead of the Visa. I was trying to rack up all the frequent flyer miles I could in hopes that I could reduce the cost of this year's big vacation trip... but I just called United and discovered that I couldn't get award seats on the flights I'd need anyway, so no great loss. Maybe next trip!

Part of the reason I didn't need my credit card the rest of the weekend was that I did some cooking with a friend. We bought the ingredients for two big batches of lasagna, for which she taught me her own recipe. So Saturday dinner, Sunday dinner and Monday lunch have been lasagna, and I have plenty left in the freezer. This was definitely an economical way to cook, but given the huge amount of cheese that went into this lasagna, I'm not sure it's all that healthy! If I keep eating like this I'll need to keep buying more new clothes, in ever larger sizes...

Wednesday, January 30, 2008

Ouch: Paper Cuts and Money

This is the kind of post I think up while I'm in the shower...

In this case it was because I was washing my hair with one finger awkwardly held out of the way due to a very painful paper cut. Sometimes I think about my original concept for this blog, which was that everything in life has something to do with money, and I wondered if people ever get paper cuts from money. I can't remember if I ever have. It's usually not a big risk given that most bills in circulation are all beat up and soft, but crisp new bills could probably give someone a paper cut. I would worry about it if I got one, as money seems to be such a carrier of filth and germs that even with quite new bills, you'd think a paper cut from money could easily get infected.
Now did thinking about infections from paper money paper cuts send me off into some reverie about health insurance costs? No. And did I think about how my main source of income is from working with books and pieces of paper, which puts me at high risk for paper cuts just as an occupational hazard? No.
But aren't you wondering how I got the paper cut in the first place? It actually DID have something to do with money! What happened was that I happened to be talking to a friend about peanut butter, and it reminded me that for a while, I was keeping a jar of peanut butter in my office to have as a snack. (See this post for more backstory on my financial relationship to peanut butter!) So I looked in my cabinet at home and noticed that I had an extra jar of peanut butter and decided to bring it to work. But the label was half un-glued, and when I put the jar in my bag, I cut my finger on the edge of the label-- which, of course, since it was a glossy kind of label, was that extremely sharp-edged kind of paper that gives you the worst paper cuts. So what it all came down to was that attempts at frugality can sometimes have painful unintended consequences.

And no, there is no moral to this story.

And I have to stop writing this now anyway, because I have something in my eye that is making it all red and itchy. Who knows, maybe tomorrow I'll post something about how this either made or cost me money. Stay tuned.

Monday, January 14, 2008

But Enough About YOU...

We interrupt the recent trend of posting to go back to the self-involved, narcissistic financial navel-gazing this blog is famous for! A few recent observations:

I was very happy the other day to be able to use 6 nickels and 5 pennies that were weighing down my wallet when my breakfast happened to cost $2.35. It was earlier than I usually get to the deli, so there was no big line behind me and I could take my time to dig around in my change pocket without pissing anybody off! I love it when I can do that!

Mom sent me another $100 as a post Christmas present, when she mailed me a box of stuff I hadn't carried back with me. This will probably also be chalked up to the "Mom's Possible Debt Relief Fund," as once again, the check was preceded by a text message asking me not to cash it until a certain date. I don't know why my mother sometimes seems to want to give me money. She wants me to be able to buy things for my apartment, I guess, and I think she may feel guilty that my sister gets more parental help and had an expensive wedding, while I've never asked for any of that.

Still trying to get my head around the big picture of where our economy is going, more specifically, where the stock market is going and how that's affecting my account balances. Who knows what the future holds, but it's ugly right now. There's nothing quite like the experience of doing a Quicken update and seeing your 401k balance decline by exactly as much as you're thinking of spending on a big vacation.

I also had another shopping trip with a friend. I'm wondering how people feel about living vicariously through others. If you go shopping with someone and they spend money on things that you yourself can't afford, how do you feel about it? Can you enjoy the experience because they are finding something nice? Or does it just make you feel jealous? Does it make you want to spend money, or can you keep yourself from spending money by getting a bit of a thrill out of watching someone else do it? Sometimes I hate shopping for myself and get very frustrated, but find it almost easier to devote myself to helping a friend find things. Maybe it depends on what you're shopping for-- it might be different when it's clothes, vs. helping someone find new lights for their kitchen! I happily ran around Home Depot helping my friend select some small under the counter lights, and then helped her install them, without any desire to buy anything much for my own home. But then we went to find her a new winter coat, because she'd been admiring the one I got for myself last winter. She ended up buying one that cost almost twice what mine did. It looked great on her and I was happy she found it, but I couldn't help looking at the other coats from that brand and coveting a really funky burnt-orange down jacket that had a cool fake-fur collar. It was SO not what I needed, especially not at a cost of almost $600, but if they'd actually had it in my size, I might have been seriously tempted!

Speaking of Home Depot, I actually did buy one thing for myself: a $4 replacement circuit breaker. Last winter, I had a moment where my heat didn't seem to be working. I almost called an electrician, as I could tell it was due to something not connecting in the circuit breaker panel. Fortunately, my uncle the handy man explained to me over the phone exactly how to fix the problem without electrocuting myself, thereby saving me hundreds of dollars. (It was just a screw that needed to be tightened.) Everything was fine until a few days ago, when the problem happened again, but this time I couldn't fix it the same way. A little research showed that it probably just meant that the circuit breaker needed to be replaced (I'd probably damaged it myself by turning it on and off too much and jiggling it around) and sure enough, I again saved myself an expensive visit from an electrician by doing it myself! DIY electrical work is not something to take lightly, but if you know what you're doing, this kind of minor fix can be extremely satisfying, not to mention cheap!

I still haven't sat down to officially set a net worth goal for this year, or even to write down any particular New Year's resolutions. One I'd at least thought about was to make Happy New Year cards to send to all my friends, rather than buying holiday cards. Obviously it's getting a little late for it now! I suppose not sending cards at all is an even cheaper option. But I already stocked up on stamps, and now that I hardly ever send paper mail, it will take me forever to go through them if I don't send out cards. So if you know anyone who gets a "Happy February" card from a friend, you'll have a clue as to my real identity!

Wednesday, January 09, 2008

Crossword Puzzle Answers

Last week, I posted "Money Clues in the New York Times Crossword Puzzle," which I am sure has given you hours and hours of puzzling enjoyment (or enjoyable puzzlement) as you tried to figure out these stumpers:

39 Across: You may get into it while shopping (4 letters)
_ E _ _

45 Across: 100 centimes, in Haiti (6 letters)
_ O _ R _ _

23 Down: Bank offering, briefly (4 letters)
_ _ F _

30 Down: It can help you keep your balance (6 letters)
L _ _ _E _

43 Down: Willful state? (7 letters)
_ _ S _ A _ _


Now it's time to reveal the answers!
DEBT
GOURDE (I couldn't get that one.)
REFI
LEDGER
TESTACY


Now you can sleep at night.

Wednesday, January 02, 2008

Money Clues in the New York Times Crossword Puzzle

I am a devoted crossword puzzler. I may not be quite on the level of the people in that movie Word Play, but I do the puzzle most days during the week (and I secretly do have a nerdy ambition to compete at that annual event in Stamford, CT!). On Mondays and Tuesdays, I can start and finish the puzzle during the last few subway stops on my morning commute. By Saturday, the hardest day of the week, I usually have to come back to the puzzle several times during the day, but I can almost always finish it eventually. (Especially if I cheat with reference books on a couple of sticky spots!)
Every once in a while, I notice puzzle clues that have to do with money, and a few weeks ago (11/17/07) there was one puzzle that had quite a few of them. See if you can figure them out-- I know it's harder without any crossing letters! If you're a subscriber to the NY Times and have access to premium content on the website, you can download the whole puzzle at this link. You also need to download a program that lets you do the puzzle on your computer.

39 Across: You may get into it while shopping (4 letters)

45 Across: 100 centimes, in Haiti (6 letters)

23 Down: Bank offering, briefly (4 letters)

30 Down: It can help you keep your balance (6 letters)

43 Down: Willful state? (7 letters)


Okay, is that too vague? Try it with a couple letters filled in:

39 Across: You may get into it while shopping (4 letters)
_ E _ _

45 Across: 100 centimes, in Haiti (6 letters)
_ O _ R _ _

23 Down: Bank offering, briefly (4 letters)
_ _ F _

30 Down: It can help you keep your balance (6 letters)
L _ _ _E _

43 Down: Willful state? (7 letters)
_ _ S _ A _ _


I'll give you some time to torture yourselves and post the answers later!

Friday, December 14, 2007

Saturday's Alright

I've noticed lately that a lot of the bills I pay online seem to be due on Saturday. I wonder if this is deliberate... The strategy, of course, with online bill paying, is to time the payments so they arrive at the last possible moment. The companies being paid must hate this-- sure it's a pain to have to open envelopes and deposit checks, but if people were worried about building in extra time to make sure their payments weren't late, the companies may have gotten their cash a little earlier.
With my online payments, I enter the day they have to arrive, and then my bank knows whether it's a same-day payment, or takes one day, or two or whatever, and calculates back the day that the money has to be paid out. That can't happen on a weekend or holiday. So if a lot of my bills are same-day, a Saturday due date means I have to pay them on Friday, not Saturday. Of course if banks aren't open on Saturdays anyway, I'm not sure it makes any difference to the company getting the money. So why don't they just automatically make their deadlines weekdays anyway? Maybe this whole thing is a stupid question anyway. Maybe I'm just needlessly obsessing over weird things. Maybe it's just a slow blog day...

Tuesday, November 06, 2007

The Fabulous Moolah

Here's an obituary from the New York Times that I couldn't help noticing:

Mary Lillian Ellison, whose flying drop kicks, flying head scissors and hair-pulling “flying mare” body slams brought her renown as the professional wrestler the Fabulous Moolah, died Friday in Lexington, S.C., near her home in Columbia. She was 84.

So why was she called "The Fabulous Moolah?"

When she started in pro wrestling in the early 1950s, the promoter Jack Pfeffer decided a name change was in order. As she told it in “The Fabulous Moolah: First Goddess of the Squared Circle” (Regan Books, 2002), written with Larry Platt, Pfeffer told her “the name Lillian Ellison wouldn’t do. Not flashy enough.”

He asked her why she was wrestling, and, as she recalled: “Annoyed, I blurted out: ‘For the money. I want to wrestle for the moolah.’”


She elaborated on her wrestling technique as follows:
“Flying drop kick is when you jump flat-footed from the floor up as high as the person you’re looking at and kick them in the face or in the chest, wherever you want to kick them, and then you fall to the floor,” she told National Public Radio’s “Fresh Air” program in 2005.

“And then the flying head scissors is where you jump up, put both legs around their head and throw them forward as you come down. And a flying mare is when you get a girl by the hair of the head and pull her over your shoulder, then slam her to the mat as hard you can. And I love doing that.”

...

The Fabulous Moolah said she never minded the booing inspired by her roughhouse antics.

“I loved when they got mad at me,” she told The State newspaper of Columbia in 2005. “They called me all kinds of names. I said: ‘Call me anything you want. You don’t write my check.’”

Wednesday, October 31, 2007

Happy Halloween!

I tried to google "price of pumpkins" just now, to see what I'd come up with... nothing all that interesting:


However, the search did lead me to this MSNBC.com story on what Americans spend on Halloween:

Americans will shell out just over $5 billion on the harrowing holiday this year, up 58 percent since 2002...

About 95 percent will buy candy, nearly $21 per person on average....

While the percentage of those decorating for Halloween remains the same, the average amount spent per person climbed 14 percent, to $26.59, over last year. Estimated price tag for all those Halloween decorations: $1.4 billion.

How much are you spending on Halloween? Personally, I'm spending ZERO! I am not dressing up and I don't expect to get any trick or treaters, so I haven't bought any candy. I haven't decorated at all, or even bought a pumpkin. If anyone asks me what I'm supposed to be, I'll say I'm pretending to be someone more frugal than I really am!

Tuesday, October 30, 2007

Financial Confidantes

Here's an interesting topic, via All Financial Matters and One Frugal Girl-- who do you confide in about money matters?

I was thinking about this the other night, after having dinner with my friend Mortimer. We hadn't seen each other in a couple of months, so we were catching up on all sorts of things, including his job. He came right out and told me that he was going to be getting a raise from $65k to $70k at the beginning of next year. It's not the first time he's openly told me his salary, and I think in the past, I've been equally open with him. More recently, I haven't been, because he's been struggling somewhat, while I've been doing well, and it just seemed a bit uncomfortable to bring up.
I think the root of this may have been in the mutual friend who introduced us long ago, who I'll call Edgar. Mortimer and Edgar met about 25 years ago, when they were both sales clerks in a retail store. They both worked their way up to become managers, and then branched off into different career paths, but I think those humble beginnings in a store where everyone knew the hourly starting rate perhaps led to a degree of openness they might not otherwise have had. And when I started hanging out with the two of them, I kind of fell into the same kind of openness when we'd talk about jobs and finances. This was about 15 years ago-- the other key thing is that back then, none of us really had much money. We were all working at low-level jobs and could barely make ends meet, even though Mortimer and Edgar are older than me.
In the years since, I've been lucky and gotten a bit further in my career than either of them had by my age. Mortimer went through a phase of unemployment and health problems that was a major setback for his financial security (I wonder if anyone would get it if I had titled a previous post about him "Mortimer'S need"). Edgar is probably doing alright, but we've fallen out of touch with him ever since he moved to be with his boyfriend, Charlie. (Mortimer may have been a bit jealous-- he couldn't speak or move for a while after Edgar left.)

Anyway, I do have other friends with whom I talk around financial issues, but there really isn't anyone else I can think of who just tells me their salary like that... except for about 200 commenters on this blog! (oops, and my friend Buddy.)