Economic Analysis of Dual Incomes……

In the previous post on the discussion about women choosing to be stay-at-home wives and/or moms, I inserted the aspect of economic choice. When I abruptly and unexpectedly became a single parent with a four-month old, I had no real choice of not working. Continuing in my career as an Army officer was up for grabs, and I understood that was a particularly challenging choice that had the potential to become unmanageable. It didn’t, but that’s another subject.

Two income families have become routine and is expected in certain parts of our society, while not so in others. Both spouses working, however, does not always make as much economic sense as it would seem at first glance. There are costs to employment such as commuting, perhaps a certain type of wardrobe (includes dry cleaning), increased costs for restaurant meals because shopping and cooking are time consuming, cleaning and other household services, and the very large expense of childcare if applicable. During the nine-month period between my retirement from the Army and going to work for a small firm, I was surprised at how much money I was able to save by being at home. However, that was not emotionally fulfilling for me and we wanted a type of lifestyle that required supplemental income. I was in a position to earn more than I spent for employment expenses.

Computer technology has significantly enhanced remote work options and if that is viable, then some employment costs become negligible. So, in choosing a single or dual income household, there are two primary components – actual after expenses income and personal satisfaction level. (A momentary digression as I confess that I do view a stay-at-home husband differently from a stay-at-home wife and that is indeed a product of my age and upbringing. I acknowledge that there are times when the wife is in a position to have greater earning power than the husband.)

On the personal satisfaction side, there are a tremendous number of volunteer opportunities, even in small towns, and a wide array of hobbies that can be quite fulfilling. If a couple objectvely analyzes their personal financial situation, the bottom-line answer could be that the second job does not produce significant income, particularly if the second job is stressful to the individual and subsequently the family. The math is not complicated, but it does have to be done correctly and requires several months of accurately tracking expenses. It can be an eye-opener if you’ve never run the numbers and It might be an exercise worth undertaking if you are in a position to do so.

Who Defines “All” in “Having It All”?…..

I skirt politics in my blog, but this post deals not with the current slinging of political comments, but with the cultural and sociological aspects concerning women who are not pursuing  paid work outside the home. When I wrote my first novel, Orchids in the Snow, about an Air Force wife, I deliberately set in the early 1980s. That was a period when military wives were beginning to question and break away from some of the strict, unwritten social rules that they lived by. I chose to present my characters in a way that was accurate, although it turned out to be not commercially viable from a publishing perspective. That, however, is not the point of this post.

I was one of the inadvertent pioneers in the advancement of women in the Army, and thus my role as an Army wife and mother was not the same as that of my civilian counterparts, but I came to better appreciate their position. That, in turn, shifted my general view of women who chose to remain at home rather than enter the external workforce. When I did research for my first non-fiction book, The Parent’s Guide to Business Travel, that further expanded my exchanges with women who chose to either not work outside the home, to take some time off from an external career, or to pursue a work-at-home option.

In the course of writing those two books, I came to better define my personal philosophy that interestingly connected back to Ayn Rand – bear with me for just a moment. If you recall, one of the themes in Atlas Shrugged is that If you are faced with a contradiction, return to your original premise. It is distinctly possible that you will find a flaw in your premise rather than a contradiction. How does this relate to the rally cry of women who say, “Yes, you can have it all”?

The flaw is in the definition of “all”. In common usage, it is intended to show that a woman can have a fulllfilling external career and a family. I don’t recall how many times I said that myself, and what I now believe is that the real freedom is in defining your own “all”. No single position is intrinsically superior to the other as long as it is a personal choice. The lack of liberation is when a woman is forced (literally or figuratively) into a decision by others’ expectations. Having been suddenly thrust into the role of single-parent, I also understand that being a stay-at-home mom is not always an economic option and I am not going to enter into the discussion about women who are stay-at-home moms based on government welfare programs.

As human beings, we have a tendency to justify our actions and so the, “No, my way is better”, does fly forth with great regularity. There are most assuredly groups who embrace the validity of choice and I hope that we send the message of choice to girls and young women today.

Appliance Aggravations….

This is one of those weeks that causes me to wonder if “Gremlins” do exist. Weren’t they the ones that would wreck havoc in the middle of the night? I had noticed that our dark colored mugs had a residue after being run through the dishwasher and so my husband used one of those super-duper cleaners on it. No luck. Then he tried to put me off by declaring, “It’s not that bad.” Uh huh. On the other hand, it was busy last week and I couldn’t recall the appliance repair guy we’d used before or find his card. On Sunday, however, when the icemaker went out, that was a different thing. With two problems, I called what I thought was the previous guy. It wasn’t, but this one could come on Tuesday. Ice makers, as you may know, aren’t particularly sturdy, so being told that it needed to be replaced wasn’t a big surprise. As for the dishwasher that is a major brand and not very old, the drain pump had gone bad. The residue was a build-up of detergent that wasn’t being properly rinsed and drained. Yuck!

Two major components, plus labor, plus the hassle since of course the parts didn’t come in on Wednesday as intended. If all goes well, the kitchen will be restored by noon and the checkbook will be the only remaining source of damage. It was almost funny having to wash dishes by hand again. We both grew up washing dishes, and actually, I don’t think I had a dishwasher until my second assignment in the Army. It is easy to become dependent on those household conveniences and then you wonder how you ever managed without them.

Back to ice makers though. One of the plans for the dream house (on the five year plan, more or less) is to have not an ice maker in the fridge, but to have a separate, small commercial-grade one. Some friends of our did that and they loved it. Those are far sturdier and aren’t terribly expensive, but do take up space and don’t work well in a small kitchen. Yes, we did have one of the portable ice makers and that didn’t last as long as we had hoped, so we haven’t replaced it.

Hopefully our appliance issues will be over for a while.

Supporting Small Businesses….

A local bookstore I like to use.

This post might be read as veering close to politics, but that is not the intent. One of my FB friends is quite the Liberatarian and also an avid animal and nature lover. She finds great posters from different sources and puts them on FB. The animal ones tend to be cute and often humorous, the nature ones lovely, and I enjoy some of the political ones. When she found one that said, “I’m not against Capitalism, I’m against Corporate Greed. There’s a difference,” I had to agree with that.

I am an unabashed capitalist while fully promoting the sharing aspects that conscientious corporations engage in. What that has to do with supporting small businesses is this, using any of the large chain stores as an example. If you live in a town that has only small businesses, and a large store is prepared to move in, it is true that a, “Mom and Pop” place can’t compete price-wise. They may very well be “squeezed out”, although at times, that is the right thing to happen because maybe they were looking to move on and/or retire. If not, and the hope is to hold on, then a degree of re-invention and new marketing will be in order. A small operation cannot usually compete with price or inventory with a major store and in defense of large stores, there are families who truly need to save every penny they can and it is nice to have a greater range of choices.

The success of small businesses lies with those of us who don’t have to shop for the absolute lowest price and in offering goods and/or support and personal service that the large stores don’t. Networking is of utmost importance to these businesses and if they have a FB page you can “like” or a web site where you can provide testimonials, that can help. Small businesses don’t have a lot of money for marketing and spreading the word about a small business that you patronize is more important than you may realize. Or maybe there is a small business that you haven’t tried yet that you can. I don’t mind going out of my way a bit and paying that slightly higher price if I am also getting the service and product that I want. And in some cases, the price isn’t greater, depending on the situation. So, next time you need something, check around and see if there is a small business you can support.

Sunrise Service in a Danger Pay Area…..

If you look at the post title and ask, “Huh?”, let me take a moment to explain. The term may actually be different now since I have been retired from the Army for a number of years. Military members deploy all the time as a normal part of service – there are assignments to foriegn countries and major war games that are played, many humanitarian type projects that a lot of people are unaware of, etc., The continuing conflicts in Afghanistan and Iraq have altered that balance somewhat, but the point is that when you deploy to an area where there is an environment in which someone may be actively trying to kill you, it is designated as a Danger Pay area for administrative purposes.

When my husband and I deployed to Desert Shield, which preceded Desert Storm, as logisticians we were not in the forward combat units. We did have a few SCUD missiles launched in our direction although never close enough to cause damage in our particular locations. And although the actual combat part was over fairly quickly, redeploying hundreds of thousands of troops and equipment is not a rapid matter, plus it was only right that the units that had arrived in-country were scheduled to depart first. All of this is to say that we were in the desert of Saudi Arabia for Easter that year. I do not regularly attend church services, but I do often go to an Easter Sunrise service.

That Easter morning, I joined my brothers and sisters in arms as we gathered in the sands of a desert that had been there thousands of years. We were in a part of the world where three major religions began and in that quiet dawning, if you looked out on the expanse of sand and sky, it looked much the same as it would have in the time of Christ. We removed our helmets, standing with them tucked under an arm or dangling from curled fingertips and said a prayer for those who had been lost, and a prayer hoping that no more would be. It was a short service as the sun rose in the sky, the soft morning colors transforming into the bright blue of the day.

Tomorrow, those soldiers, marines, sailors, and airmen who are deployed in harm’s way will gather for a similar service and I will send a prayer for their sakes. It is not only them though, but also their friends and families who wait for their safe return. And I will include in the prayer the people everywhere who are tired of war and conflict, who genuinely want to live their lives in peace. May we chose to take that path someday.

Considering a Community Support Agriculture Arrangement…..

Sample of produce from Teena's Pride CSA

I’ve posted before about the richness of agriculture in this area and a couple of weeks ago I attended a luncheon to honor a woman who is one of the local pioneers in community support agriculture (CSA). She did not come from a farming family, but married into one. Tragically, her husband died young and she was left with two toddler sons and 500 acres that she had not remotely considered running. She was determined, however, to try her best and what she accomplished was pretty incredible. One of the things she did was develop a line of miniature vegetables and later expanded into Community Support Agriculture, an effort that her youngest son now operates as she has moved more into an advocacy role. Her passion is genuine and she provided the gorgeous heirloom tomatoes for the luncheon. We have a few Farmers’ Markets around and fruit and vegetable stands dot the roadsides, but I really wasn’t knowledgable about CSA.

I confess that my vegetable likes are significantly more limited than my husband’s and I am not certain that we would be able to consume the quantity of vegetables that come with the weekly box. If, like me, you are not familiar with a CSA, you buy a certain size “share” from the CSA, then receive an assortment of what they grow each week for the duration of the growing season. In some cases they deliver to individual homes, although in this case, you can either pick up from them or from a designated grocer. The farm is not too far from where we live, so that is what we will do if we decide to give it a try. The other thing is that if we don’t need a pick-up for a particular week, they will contribute our portion to Farm Share, and we appreciate the work that they do.

I’m leaning in this direction, so if any of you have tried this, please do let me know about your experience.

 

The Anniversary of Someone’s Death….

It is beautiful outside and I suppose this may seem to be an inappropriate topic for such a lovely day. The problem though is that Death doesn’t stop out of respect for a pretty day or a holiday and when you lose someone who you care deeply about, it is a dark day no matter what the weather is like. If you have not experienced the kind of loss that leaves you in breathless grief, and you are faced with trying to help someone who is coping with it, you may be uncertain as to what you should do. You may be fine with taking the immediate traditional actions, but what I want to talk about is something that comes later.

In general, we don’t deal well with death in our culture, and we have somehow created this “timeline” that we think is applicable. If you are not the individual who has suffered the loss, there is a tendency to view six months, and certainly a year, as this sociatially-imposed guideline for when you should be “getting on with your life”. While the individual may indeed be functioning and have dealt with estate or other “practical” matters, the kind of grief that I am talking about can reach and grab you at the most unexpected moments – a song on the radio that had shared meaning, something as mundane as a trip to the grocery store when you realize you no longer need to purchase a particular item because it was the loved one’s favorite. The passage of time does help, but adapting to the loss is not a straight-line process. There are ups, downs, U-turns, and that leads me to the main point here.

The anniversary of someone’s death can be particularly unsettling and I don’t just mean the first one. The grief can seem almost fresh and it may not be something that the person can articulate, or perhaps feel comfortable in trying to explain. If you have a friend or a loved one who is in this situation, I am not suggesting that you ask the direct question. This is the time to send one of the lovely “I’m thinking of you today” kind of cards, or make the offer of going out without stating the reason why. If the individual wishes to express why, then you are there to listen. On the other hand, the individual can take the opposite approach of wanting to very much acknowledge the day and that’s fine, too. In some cases, the individual might prefer to be alone. The main thing is to understand that emotional support can be incredibly important at that moment and you need to take your cue from the individual. If you are tempted to say, “Well, I don’t want to remind him or her”, trust me, a loving gesture from you isn’t what will trigger the memory.

Too Long Out of The Water…..

Scrawled File Fish on Reef

I really do try to dive as often as possible, yet the past year has seen a distinct drop-off in my underwater time. I admit that like many who live here year-round, I am spoiled about conditions. When the water temperature dips to 72 degrees, I have a tendency to hold off and when the wind is kicking up at 12+ knots, I usually weasel out. Even setting those parameters aside, I haven’t been out as often as I like, so last Saturday I agreed with my husband when one of our snow bird friends called to say they were going. I shut the computer off and went, and yes, I worked all day Sunday to make up for it, but that’s another post.

It was a beautiful day, although the current on the first dive did get your attention. I suppose I should consider it as more exercise. The second dive was calmer and we were by no means the only boat on Molassess Reef. It was not a day of spectacular finds with really only a huge eel tucked so far back under a ledge that my husband couldn’t get a good photo. Lots of barracuda though and enough angel fish to keep me happy. That means at least one queen, French, gray, and rock beauty. I have yet to see a blue angel even though I have heard other people claim sightings. There were several trumpet fish as well as abundant snappers of multiple types and the other standard reef inhabitants.

I could make a promise to myself to do better this year, but practically speaking, I will merely say that I will try to “get wet” more often.

Healing Horse Therapy……

Good Hope Equestrian Training Center near Homestead, FL provides therapy for spcial needs adults, children, and wounded veterans

Whether you use the proper term of equestrian therapy or the casual term of “horse”, this is another of those alternative programs that does not always, but can have healing, or at least greatly beneficial theraputic results depending on the individual. I previously posted  about the amazing Island Dolphin Care therapy program and a couple of weeks ago I went to the Good Hope Equestrain Training Center to speak with two wonderful women who are working to spread the word about the programs they conduct. Like many organizations, these programs have seen a reduction in funding levels and they are planning two fund raisers; a Family Day and concert March 31, 2012 from 12:00 to 6:00 p.m., and a golf tournament on April 14, 2012 with registration beginning at 11:00 a.m.

I met with Peggy Bass, the Executive Director, and Betty Quinn, a woman who helps find employment for special needs adults, the day that I was at the Good Hope Center. Their commitment and compassion were palpable and I was amazed at the variety of programs they offered for special needs children, adults, and wounded veterans. I haven’t been on a horse since I was a kid visiting my grandfather’s farm, but I did used to take Dustin to riding lessons. Peggy, who has personally developed several of the programs, explained the mechanics of some of the therapies and Betty talked about the positive impact she has seen in participants and family members.

They took me for a stroll where the 12 specially trained horses are stabled and I watched the excited interaction with a class of adults who were helping groom two of the horses. There was no mistaking the delight on the faces of the group or the patience of the staff members. It was a rewarding afternoon and if you are in a situation where a special needs child, adult, or wounded veteran requires therapy, perhaps there is an equestrian center near you that you may not be aware of.

 

Why I Love Carmax….

No, this is not an advertisement per se and certainly not any sort of compensated endorsement. It is merely something for me to relate to anyone (male or female) who hates the ritual of car buying. I do know people who revel in that process and I once took a friend with me after I expressed reluctance to buy a new car. He genuinely enjoyed the back-and-forth, “Well, let me check with the manager” crap that I detest. I was grateful for his help and annoyed that there wasn’t an easier way to do it.

A number of years ago, a friend told me about their experience with Carmax and when we were in Puerto Rico and our son was in Northern VA, I was concerned with the age of his car. I gave him the dollar limit he had to work with and suggested he try Carmax. They couldn’t have treated him better and so when it was time for me to get another car upon our return from PR, I had already been searching their web site. One of the many good things about them is their inventory changes daily and you can go in and specify the type of car you are looking for. If they don’t have the one you want in a particular location, they will bring it in using zones for shipping price. Nearby zones have zero cost and then they expand all the way across the country. As with everything else about Carmax though the price is clearly shown and that is the price. No surprises, no haggling. When you are on line, you can narrow the seach by price, and number of miles on the car as well as make, model, or type. Carmax does sell some new cars (mostly Toyotas) at some locations, but they primarily have previously owned cars.

If you have a car to trade, they will give you as good a price as you are likely to get anywhere – again, they tell you the price they will pay and that’s it. The trade-in value doesn’t change the longer you talk. Since I didn’t have a trade-in, I basically bought the car on-line (a make and model I was familiar with). We flew into Atlanta where my sister-in-law and her husband picked us up. The Carmax was close by. We arrived, the car was ready. Did we want the extended warranty? No? Did we want Lo-Jack? Yes. Okay, they took my husband’s mother’s address so they could have a technician come to her house to do the installation. Sign paperwork, give them a check, take car. That was it. The extended warranty and Lo-Jack are the only options they offer. Their dealer price of $149 (I think it’s $199 now, maybe a little higher) is clearly shown as the only addition to the price of the car. No endless list of services to be pitched, no trying to wear you down with why you ought to have something else added. We weren’t doing financing, but their financing process seemed fairly quick from what I saw going on around us.

Between us and our son, we have purchased five vehicles through Carmax. While you can go on-line as I usually do, you can also go to a location and wander as you wish with no pressure. Again, one of the primary differences in Carmax is that when you look at a sticker price, it is what you get, although tax and title are not shown. If a car price is shown for let’s say $21,099, the $199 Carmax addition is shown for a purchase price of $21,298 and then tax and title costs that vary by state/municipality. They will even tell you the percentage of that before hand if you ask so you can do the calculation yourself if you wish.

When we left the Carmax in Atlanta, my brother-in-law was impressed. My sister-in-law was too, but she said that no, she enjoyed the traditional haggling. And yes, if you want a brand new car they are probably not a good option. On the other hand, if you are in the market for a previously owned one and you are near a Carmax, at least check out their web site.