Tag Archives: money

Zero Credit

The image above represents something very important to me and I’m sure to most working people.  For the first time since about 2000 I have no credit card debt.  I paid off my last outstanding credit card in February and felt so ecstatic I almost had an orgasm!  Key word – “almost”.  But it’s still a great feeling.  Credit card debt has been one of my vices – along with alcohol and road rage.  Then again credit card debt has been the vice of many Americans.  Currently Americans hold approximately USD 1.13 trillion in credit card debt; an expense that worsened with the 2008 economic downturn and even more so with the COVID-19 pandemic.  (Ironically a Republican was president of the United States at the start of each fiasco, which may or may not factor into it – but that’s a different matter.)

I remember paying off a massive amount of credit card debt in 1998, along with the truck loan I had at the time.  And I was able to stay debt free until I lost my job at a bank in 2001.  Odd how those two things often coincide, isn’t it?

I always used to tell myself I just needed to earn more money.  I struggled constantly when I worked for that bank and I kept saying I should return to college and earn a degree.  I finally did that in 2007.  But after graduating in December 2008, the engineering company I was working for then couldn’t afford much in the way of salary increases because of – wait for it – the sudden economic downturn.  Damn!  Then I got laid off in the fall of 2010 and struggled somewhat as I tried to make my freelance technical writing career flourish.

But by then, I’d learned an even more important lesson: you don’t always solve money problems with money.  Indeed some people earn six and seven figure annual salaries and are always in debt.  It’s true, for the most part, that middle class incomes have shrunk considerably since the late 1970s; that is, in relation to the overall cost of living.  A few years ago economic statisticians finally confirmed what the rest of us lowly working class drones already knew – “trickle down” economics doesn’t work!  It never has and it never will.  Yet conservative politicians keep pushing that theory onto the masses, and many people keep falling for it.  That’s why I say my brain is too big to be conservative – with all due respect to my conservative friends and relatives.

In high school I was forced to take algebra and geometry and later wondered what purpose either discipline served.  Other than knowing the shortest distance between two objects is a straight line, I feel that the ability to balance a checkbook and figure out percentages (so you know how much to tip the bartender) are the only truly essential math.  Budgeting should be included.  It’s good to know how long a light year is, but it’s more important to realize that it’s not worth having a savings account if you have more in credit card debt.  Two plus two is so hard for some folks to figure out.

Regardless I’m glad I don’t have to wait for that zombie apocalypse to wipe out my credit card debt.  Reality is often better.

2 Comments

Filed under Essays

Spent

Last November, for my 59th birthday, I met a long-time friend, Preston*, at my gym.  For years I made it a habit to visit my gym on my birthday.  Even though I’ve changed gyms over the years, I hadn’t been to a gym on my birthday since 2019.  So this was a refreshing change.  Preston had turned 55 the previous July and – as we conversed about life and related topics – the subject of retirement arose.  Like me (and millions of others across the globe), Preston has worked most of his adult life.  He did what’s expected of so many people – especially men – in our society: he attended college, found a good job, got married and had kids.  His wife went on maternity leave shortly before giving birth to their daughter some two decades ago and never returned to work.  Thus, Preston – like millions of men – continued working.

Prior to meeting at my gym last November he’d said something that surprised me, yet to which I could relate.  “I’m tired of working so hard.”

It was ironic because the same feelings had been rumbling around in my mind over the previous months.  An uncle told me he’d retired in 2002 at the age of 62 simply because he was tired of working.  Even though he didn’t get the most out of his Social Security, he simply had become weary of the labor grind and therefore, was willing to take the risk of living a more modest life.

My father had essentially been forced to retire at 62 in 1995, but my mother managed to retire at 70 in 2003.  My folks managed to make the most of their golden years – my father dived full-time into genealogical research, and my mother spent hours reading and doing crossword puzzles.  They didn’t travel or go out dancing; they didn’t join any clubs to make a bevy of new friends.  They spent their remaining time on Earth living simply and quietly.

Whenever it’s my turn to retire, I’m certain I’ll spend my time doing what I love to do: reading and writing.  I’d love to travel, but that’s still a dream.

Right now I’m trying desperately to find a job within my chosen profession – technical writing – but I’m not having much luck.  Since the first of this year I have literally applied to more than 100 jobs.  If I actually receive a response, it’s usually a no or the position has been closed.  And even those are rare.  In the state of Texas, the unemployment rate is roughly 4%, lower than most anywhere else in the country.  I’m starting to get the impression my age is a factor.  A friend tells me I’m just being paranoid, but I know age discrimination – though illegal – is a reality in the American work force.

But right now the U.S. government is mired in an impasse over the debt limit.  As usual it’s a battle between political ideologies, and neither side seems willing to concede.  And, as usual, average Americans like The Chief are caught in the mud fight.

I don’t need a palatial beachfront estate with a 6-car garage to be happy.  I don’t need billions in stock or hard cash to feel content.  I just need to make a basic and decent living.  My freelance writing fell flat after the COVID-19 pandemic and hasn’t recovered.  A friend suggested I try to be an Uber driver, but I don’t have a 4-door vehicle and I’m bad at directions.  I think I’m too old for porn, so I won’t even try – again.  Yet I’m not too proud to work and don’t like being idle anyway.

Yet I have to concede I’m tired.  Decades ago I recall my father saying he no longer really cared for being praised for his work; he wanted to be rewarded monetarily.  The bank where I used to work often gave out perfect attendance awards and various other accolades that ultimately weren’t worth the paper on which they were printed.  Now I know what my father meant.

*Name changed.

5 Comments

Filed under Essays

Sad

On April 4 New York officials arrested former President Donald Trump for paying a former adult film star $130,000 to keep quiet about an alleged tryst they had in 2006.  It’s actually more complicated than that.  And, in keeping with the appetite Americans have for the salacious antics of public personalities, there are more players in this game than a womanizing, tax-cheating businessman and a glamorized prostitute.

Politicians and porn stars seem to have a lot in common: they have no conscious and don’t care who they screw, as long as they get some kind of money and notoriety in the end.  And, for the record, I actually think more highly of porn stars.  I don’t know what prompted the “actress” known as Stormy Daniels (Stephanie Clifford) to find anything remotely attractive about Donald Trump.  She claims he was just exceptionally charming, which I think a lot of women say when they engage in such behavior.  Monica Lewinsky said the same about Bill Clinton.  Who really know and who really cares?

Trump’s real transgression involving Daniels – the one that landed him in a Manhattan courtroom – isn’t his sexual indiscretion or even the money he supposedly paid out to buy her silence.  It’s that he allegedly processed the payment through his campaign finances, as he desperately sought the Republican Party’s nomination for president in early 2016.  That’s illegal, if it did occur.  According to one of his closest confidants at the time, Michael Cohen, it did.  We know so much about the fiasco because Cohen was a Trump attorney who served as vice-president of the Trump organization.  In 2018 Cohen was found guilty of a number of monetary crimes, including campaign finance violations.  Afterwards he turned on Trump and declared that his former boss, indeed, paid Daniels to remain quiet.  Then news arose that Trump had an affair with another woman, Karen McDougal, an actress and former Playboy model – and that the real estate magnate had paid her to stay silent as well.  But wait!  It gets worst!  Yet another rumor has emerged that Trump had an affair with another, unnamed woman and that she bore a child as a result of their liaison.  This latter story comes from an admittedly dubious source – a doorman at Trump Tower in New York.

Writers for daytime dramas have composed shit like this for decades, and their viewers recognize the absurdity of it all, but still love to watch the shenanigans executed on screen.  When it happens in real life, though, observers react with awe.

Most of us, however, don’t react with shock or surprise – at least not people my age.  I’ve seen this type of histrionic morass play out in public most of my life.  I’m never really surprised when powerful people get caught up in their own personal machinations.  It’s almost laughable.

But, as I look at this mess involving Donald Trump, another word comes to mind: sad.  Trump is the first former U.S. president to be indicted for criminal behavior.  His supporters are screaming that this is all a liberal plot; quickly forgetting that conservatives tried to impeach Bill Clinton for lying about his own dalliance with a woman a quarter century ago.

Regardless this is all an embarrassment and a disgrace for a nation that has always prided itself on being the leader of the free world; a beacon for democracy.  This pathetic drama continues, but it’s truly disheartening.  The cesspool of American politics seemingly has no bottom.

Image: Jane Rosenberg

1 Comment

Filed under Essays

Appliances, People and Other Crap That Gets Old

Last month I had to buy a new clothes washer.  I came home from work one Friday and dropped my casual dress shirts into the washer, as I did at the end of every work week.  After a few minutes I realized the washer had stopped.  In fact, after it filled with water, it had grown surprisingly silent.  The thing banged a lot when in action.  But when I checked on it, I was stunned to find it still filled with water.  No amount of manipulation – which, for the mechanically-challenged such as myself – meant yanking on the knob (as if I was in the midst of a raucous masturbatory session) and smacking it (again, as if in the midst of a raucous masturbatory session).  Aren’t you glad you decided to read something today?!

All of that was to no avail.  So I removed the shirts and squeezed out the water and searched online for a repair place.  I found one, but they couldn’t fix it.  I paid their fee – and never heard from them again.  I filed a fraud complaint with my bank, which gave me provisional credit.  But they ultimately decided I was hysterical and reversed the credit.

I was forced to get a new washer – and change banks.  I realized the obvious: my 10-year-old clothes washer had decided to give up on me (at the financially worst time!) and I had to get a new one.  My long-time good friend, Raymond*, came in from out of town shortly after that.  He was here when I bought a new washer through Overstock and here at the house when it arrived.  It turned out to be much smaller than anticipated – suitable more for a dorm room or efficiency apartment than a hyper-clean single man living alone in a 3-bedroom house – so I was forced to return it.

I then purchased a fuller-size washer and had it delivered.  Before Raymond returned home, he helped me disconnect and move the deceased appliance into the garage.  I had to empty out the bulk of the water by hand.  We both laughed afterwards, as I championed the fact two 50-something fuckers like us could move a massive appliance across several feet and through two doorways.  Personally, it was the most exercise I’d had in months!

Not long afterwards, Raymond encountered his own appliance-related fiasco.  His aging refrigerator had started causing him problems.  He was able to get it repaired, but it was still an unsettling prospect for him.  His health problems seriously impact his personal finances, and in the wealthiest country on Earth, people in his condition have to budget tightly.

The image at top is from a series of text messages between Raymond and me as he lamented his refrigerator ordeal.  I couldn’t help but laugh loudly and told as many people as possible; people who are roughly our age.

At 15, my truck is showing its age.  The engine light keeps illuminating, and a headlight recently went out.  But it’s still operating relatively well!  Other things in and around my house are also becoming problematic.  My father had a fetish for scented candles, until I finally convinced him they were damaging the walls and ceilings with soot.  The kitchen sink had been causing trouble years ago – long before either of my parents passed away.  The water heater is leaking slowly.  My iron (my mother’s iron actually) committed suicide a few months ago in mid-session.  The roof has a number of openings, which allow squirrels and other small invasive varmints to enter and hide.  Their rumblings in the attic make me recall the mythical rat problem in “The Exorcist”.

Years ago my mother would tell me that life begins at 40; a rather common saying at the time.  She had just turned 40 when we moved into this suburban house in December of 1972.  Shortly after I turned 40 in 2003, I came down with the flu for the first time in my entire life.  The following April, I severely sprained my left ankle while walking my dog.  It had rotated as far as it could go without breaking.  I ended up on crutches and taking time off from work.  About 5 months before I turned 50 in 2013, I had a freak accident here at the house that severely damaged my right arm and landed me in the hospital for a few days.  If I had been alone, I probably would have bled to death.

It seems the start of every decade of my life coincides with something bad.  In the two months before I turned 30 in 1993, one of my closest friends died, and I contracted Hepatitis A that culminated in a hospital stay and nearly two months off from work.  Therefore, I’m not eager to see what awaits me come my 60th birthday – if I’m fortunate enough to make it that far.

A couple of months ago I was looking into one of my eyes in the mirror when I noticed a bruise on the outside of my left forearm, close to the elbow.  It immediately drew my attention for one simple reason – I have no idea how the damn thing got there!  And I grew alarmed.  Occasionally my parents would end up with miscellaneous bruises; marks with an unknown cause.  It made me recall an even more unsettling incident from more than two decades ago.

I worked for a bank in Dallas, dealing with high-dollar clientele.  Many of my customers were elderly.  I was on the phone with a gentleman one afternoon when he halted the conversation and began mumbling.  I asked if he was alright.  He then noted rather casually – almost too casually – that he was bleeding and didn’t know from where.  A colleague passing by my desk at that moment noticed my eyebrows pop upward in shock.  I asked the man if I needed to call someone for him, as in 911.  He said no, that he’d be alright.

Of course, a bruise is nowhere as serious as blood.  But I’m still wondering if I’m now at that point in time – the age where my body is subtly telling me it wants to lead a life of its own.  I’m not ready to let the bastard go yet!  Yes, I’m a writer, but I don’t want to melt down into a fat, grouchy curmudgeon surrounded by books and bottles of wine and vodka!  If you knew my present lifestyle, it may seem that way, but no one asked you!

Raymond turned 59 last month, and I told him I’m actually looking forward to turning 60 in two years.  I also told him something even more significant – we will age and mature, indeed, but we will never get “old”.  I certainly don’t intend to let myself reach that point.  Raymond has been through a lot in his life.  Just half the crap he’s endured would send most people into therapy or a talk show.  And I’m still here for a reason, too.

Broken clothes washers or not, I’ll go on until my power system decides it’s had enough.  In the meantime, I’m still on the lookout for anymore rogue bruises.

*Name changed

2 Comments

Filed under Essays

Dead Friend

Have you ever had a friend with whom you disagree on something?  You know what I mean – someone you’ve known for a while; shared things with; commiserated with; know some of their family; treated to lunch or dinner for their birthdays.  I have a few of those friends.  As a bonafide introvert, I don’t have many friends in the first place, so I value those relationships I’ve managed to maintain over any length of time.

I had one such friend, Pete*, until recently.  He and I have known each other for over 30 years.  Ironically, we attended the same parochial grade school in Dallas.  I didn’t know him back then, as he’s three years younger.  Even more curious is that our fathers had known each other; they grew up in the same East Dallas neighborhood and attended the same high school.  When Pete’s father died several years ago, my father was heartbroken, as the two hadn’t spoken in a while.  I attended the funeral service at a church in downtown Dallas.  In turn, Pete attended my father’s memorial service in 2016; his sister and her young daughter joined him.

Pete used to host annual Christmas gatherings at his apartment; his sister and her two sons, along with many of that family’s mutual friends, joining us.  In effect, I became part of their family.  I was fond of Pete’s parents, as he was of mine, and was truly excited when one of his nephews joined the U.S. Marine Corps in 2006.

So what happened?

Politics.

Last month “The New Yorker” published an editorial on the sudden and unexpected support for Donald Trump among Latinos.  In Texas trump won a larger share of the Latino vote in the last election than he did in 2016.  Reading the piece left me stunned – and curious.  How could a man who made such derogatory comments about Mexicans in general, the same one who hurtled rolls of paper towels at people in Puerto Rico, find greater support from others in those same groups?  Even though Trump had disparaged Mexican immigrants, I felt it was just a small step away from demonizing all people of Mexican heritage or ethnicity; people whose Indian and Spanish ancestors had occupied what is now the Southwestern U.S. since before Trump’s predecessors arrived on the East Coast.  Many of those people are also among the nation’s working class; the blue collar workers who form the unappreciated and under-appreciated backbone of any society.  And yes, even the white collar workers, such as myself, who have struggled through the chaos of corporate America.  Regardless of race or ethnicity we’re the ones who suffered the most in the last Great Recession and in the ongoing COVID-19 pandemic.  That an arrogant, elitist, tax-cheating buffoon of a charlatan can find kindred souls in this crowd truly boggles my mind.

Pete, on the other hand, said the editorial made “perfect sense” so him.  He had already expressed some support for Trump, especially in relation to his reactions to China.  He then went on to demonize both Joe Biden and Kamala Harris; dubbing them “evil” and decrying what he perceived to be their socialist agenda.  In other words, Pete was reiterating the paranoid mantra of right-wing extremists.

But he went further.  He bemoaned the stimulus payments coming out of Washington; claiming they were unnecessary and that anyone suffering financial distress during the pandemic and the ensuing economic downturn deserved no help or sympathy; that they should have prepared better for such a calamity.

Seriously?

I pointed out that I was one of those people struggling now.  I had taken off a lot of time to care for my aging parents and had managed to save some money over the years; adding that a lot of that hard-earned money was now gone and reminding him I have had trouble – like so many others – finding a job.  I also noted that it’s that people don’t or won’t save money; it’s that they can’t – not with both the high cost of living and stagnant wages.

Pete sounds like many evangelical Christian leaders – the folks he once denounced as the heathens of Christianity – the idiots who propagate the myth that poverty is a result of moral failings; that people choose to be poor because they have no desire to work hard and sacrifice.  He got upset with me over that; he – a devout Roman Catholic – being compared to an evangelical Christian?!  The people who read and study only half the Christian Bible?!  How dare I make such an analogy!

But that’s how I felt.  Then and now.  His new-found beliefs and sudden change of attitude are one reason why I left the Catholic Church and why I no longer align with any branch of Christianity.

I reiterated my discussions with Pete to friends and a relative who his both agnostic and generally conservative.  The latter considers himself a Republican and has been very successful in life.  He also subscribes to “The New Yorker” and had read that particular editorial.  And he found it “awful” that so many Texas Latinos supported Trump who he does not like.  He also noted that anyone can experience financial problems and that a lack of personal resources isn’t always a sign of any kind of moral failings.  Like me he was raised Roman Catholic, but – unlike me – is not in any way spiritual.  He also reassured me that I’m not a failure.  A few other friends have told me the same.  At times like this, I need that kind of support.

It’s a shame I felt the need to sever ties with Pete.  I mean, how does a 30-plus-year friendship come to an end over an editorial?  Is that something that needed to happen?  I wonder if I was overreacting or my past hyper-sensitive persona had suddenly resurrected itself.

I’d like to know if any of you folks have encountered the same dilemma.  Have you ever felt the need to end a friendship with someone over such strong personal disagreements?

*Name changed.

2 Comments

Filed under Essays

Aged Out

“I hope I die before I get old.”

– “My Generation”, The Who, © 1965

I’ve thought about this scenario: I’m home alone at age 80-something and I have a stroke or some kind of cardiac event.  I can’t get to a phone and I don’t have one of those Life Alert devices.  As a staunchly independent, childless 50-something with few friends, that thought has crossed my mind on more than a few occasions in recent years.  It became even more glaringly realistic this past January, when I told my mother she needed to take a shower.  I realized she had urinated on her bed; a simple of case having fallen asleep and – given her age, I thought – wasn’t able to make it to the bathroom in time.

“I’ll change the sheets,” I told her, before retreating into the hall.  A moment later I saw she was flailing her right arm and leg.  “What’s wrong?” I asked.  “You need to get up and take a shower.”  But then it became clear.

She’d had a stroke.

It apparently had been a brief event and was already starting to heal by the time she’d arrived at the hospital.  But her left side was mostly paralyzed.  I sat beside her in the emergency room, as she gazed blankly into a flickering light panel, and thought, ‘Now what?’

Years ago, when her mental health started to wane, someone asked why I didn’t place her in a “home.”  “She has a home,” I replied.  “It’s the one she’s in now.”

But the now had changed.  And I was forced to contemplate the unthinkable: putting one of my parents into a “home” – whatever the hell that’s supposed to entail.

I had promised my father that I would do everything to ensure he didn’t pass away in a hospital; ensconced in a strange bed with tubes wrapped around him, as if he was a hostage.  And I was able to help him achieve his desire.

But this situation is different – and far more complicated.  After her hospital stay, I had to place my mother into a rehabilitation center.  I found one nearby and was able to tour the facility a few days before she arrived.  It’s an older building that looked like it hadn’t received a fresh paint job in about four presidential administrations.  On that Friday evening I accompanied her to the place, I felt as if I’d swallowed a tree branch – and it was now stuck.  The center looked even more dismal than when I’d first entered.  And that night, as my mother lay in bed, glancing around the room – her left arm and leg still mostly inert – my heart filled with trepidation.  I couldn’t stay that night, so after more than an hour – assuring her things would be alright and consulting with the amiable staff – I departed.  I almost felt like I’d abandoned my mother into a pit of despair.  And, even worse, I’d violated a solemn vow I’d made to my father more than a decade ago: if he should pass away first, I’d take care of my mother.

Looks, indeed, can be deceiving.  While the rehab center was an aged structure, the staff was incredible.  I did have a good feeling from the start, though, when I first spoke with one of their representatives.  But it didn’t take long for me to realize I’d made a great choice.

I brought my mother home in March, as the COVID-19 pandemic gripped the nation.  The startling number of coronavirus deaths in similar facilities alarmed me.  The center had banned visitors a few days earlier, but I had to get her out of there.  As good as the place had been for her, I didn’t she feel she was safe.  And I knew I could care for her just as well as the rehab center and get her back to some semblance of her former self.  I should know by now that far-reaching plans always look great on paper or in dreams.

After only a week, I had to return her to the rehab center.  Her health had deteriorated in that short period.  But, once back at the facility, she improved.  She’d regained some movement on her left side and was alert.  She still didn’t recall what had happened.

But then, matters became even more complex – and aggravatingly unsettling.  My mother’s lengthy stay at the rehab facility had exhausted her Medicare benefits.  They paid 100% for 21 days, when they lowered the rate to 80%.  My mother – and I – was obliged to pay the remainder.  But she didn’t qualify for a supplemental insurance policy – even through Medicare.  Or the Affordable Care Act (ACA).  The requisites for either make the Harvard Law School entrance exam look like a daycare application.

Medicaid was our last option.  Completing the application for that was tantamount to completing one to be a Central Intelligence Agency case officer.  And my mother wasn’t approved.  With her Social Security and two pensions, she earns too much per month; just a “few dollars” too much, the rehab center associate helping navigate the morass informed me.

And what, I inquired privately in my angry cogitations, qualifies as a “few dollars” too much?  I researched a handful of other available and plausible alternatives – enough to fill a tea cup – and could find nothing viable.  Absolutely nothing.  For my mother even to begin to qualify for some semblance of Medicaid coverage to help with her health care expenses, she’d have to cede all of her assets, including this house – the house she and my father worked hard to get and to keep; give it all up to an omnipotent entity that designed the very system to which my parents (and millions of others) annually pay homage and taxes.

And she earns a “few dollars” too much.

By the end of April, the rehab center – the place that had proved life-saving and life-changing – had reached its financial breaking point with us.  They had to let her go.  They had no choice, they told me – and therefore, neither did we.

Fortunately, Medicare does pay for extended hospice care here at the house.  Representatives with the agency I selected have been incredible – even angelic – in their commitment and service.  They’re as concerned with me, also, as my mother.

Still, I seethe at the thought of the financial fiasco in which we’ve now been placed.  We’re in debt to the rehab facility now, as well as to a slew of doctors and the hospital.  My mother is just one of literally millions of Americans in similar straits.  At current rates, the crisis will only deepen nationwide.  The number of Americans aged 65 and older is expected to almost double from 52 million in 2018 to 95 million in 2060; rising from 16% to 23%of the population.

A half-century ago, programs like Medicare and Medicaid were designed to assist the elderly and poor with health care needs.  They’re not just altruistic; they’re vital.  As with the Social Security system a generation earlier, Medicare and Medicaid provided necessary safety nets for many Americans.  The nation had matured into a contemporary society where even the most vulnerable of citizens were not left to fend for themselves.

As usual, social conservatives scoffed at the notion.  Just like with the post-World War II GI Bill, they denounced such aspirations as welfare and socialized medicine.  These were the same fools who demanded people swear allegiance to the United States, be willing to sacrifice their lives to the Constitution, abide by established laws, and blindly pay money to ensure a safe democracy for all.  They still do.  Yet, when people earn a “few dollars” too much…they shrug their shoulders and change the subject to American exceptionalism.

My mother began working for an insurance company in downtown Dallas in the fall of 1952 at the age of 19 and retired from an insurance company in February of 2003 at age 70.  With the exception of taking off 15 months for being pregnant with and caring for me – at a time when maternity leave was more of a concept – she worked for half a century.  Fifty years.  And, as her physical and mental health decline from years of just being alive…she earns a “few dollars” too much.

“Age is just mind over matter,” my father once told me.  “If you don’t mind, who gives a shit?!”

People have told me that, for being a good person, I deserve a “big reward.”  And I’ve also told some they deserve a special place in the “Great Beyond” just for being themselves.  As genuine and thoughtful as those words are, does anyone have to wait until life in some other realm to be appreciated for their actions?  Is it truly necessary to wait until we’re dead to receive the respect we’re due in life?

Leave a comment

Filed under Essays

Worst Quote of the Week – November 22, 2019

“Right now I want you to click on that button, and I want you to honor God with his first fruits offering.  If God doesn’t divinely step in and intervene, I don’t know what you’re going to face – he does.”

Paula White, Donald Trump’s “personal pastor”, in an email asking followers to send her a donation of USD 229, they will get “prophetic instruction” on how to attain victory over their “enemies.”

White claims the $229 fee is “in accordance with 1 Chronicles 22:9, and that it is “a specific seed” because “numbers are important to God.”  Those who can’t manage the $229 for prophetic visions are encouraged to send $31 – the sum of 22 and 9.  Now, isn’t that clever?  But she insists the full $229 is needed to “break any chains.”

To the religiously curious, 1 Chronicles 22:9 reads: “But you will have a son who will be a man of peace and rest, and I will give him rest from all his enemies on every side.  His name will be Solomon, and I will grant Israel peace and quiet during his reign.”

I don’t see anything in there about giving money to a man who inspired “The Joker” character and his gal-pal who’s in desperate need of a dye job.

Leave a comment

Filed under News

Worthy Words

Writer-at-work

Last month writer Wil Wheaton received a request from the Huffington Post to publish an essay, “Seven Things I Did to Reboot My Life,” that he’d just published on his own blog. Until his follow-up essay, I wasn’t aware contributors to HP aren’t paid for their work – except in that most traditional of literary reimbursements: exposure. I believe most every freelance writer has encountered the ubiquitous “we-can’t-pay-you-but-you’ll-get-tremendous-exposure” line. It’s supposed to make us feel comfortable, hopeful maybe, that – in lieu of much-needed financial resources – an untold number of readers will see our work and that someone in that vast crowd will be awestruck enough to offer us a paid job that, in turn, will lead to our long-held dream of being a successful (affluent) scribe. But I’m surprised at this revelation, considering HP founder Arianna Huffington is a proud progressive who champions free speech and worker rights.

Wheaton didn’t fall for HP’s offer and declined it faster than a Hollywood celebrity dropping a gluten-filled sandwich. Meaning he politely told them to stick their “exposure” ruse up their ass. I couldn’t stop laughing out loud when I read that. My dog surely thought I’d finally gone over the edge, as he grabbed his rawhide bone and scurried into the den.

Good for you, Wil!

Myths about writers persist. It’s not a profession; it’s more of a hobby. We like to suffer for our art. We’re so desperate for notoriety we’ll give it away whenever we can – like drug addicts needing a fix. As with any tall tale, there’s some measure of truth to it. But most of us writers take our work seriously. It’s more of a calling than a profession; a passion for the written word and a desire to spread our thoughts and ideas in the best way we know how. Yet we also like to get paid for our time and effort.

Writing isn’t like a sneeze; building up quickly, before exploding forth. It takes time and energy. Ideas may pop into our heads during the most unlikely of literary activities – eating, showering, having sex, stalking the last publisher who called your writing crappy – but turning those sparks into full-fledged and long-lasting flames is cumbersome. Some scribes can pound out a story in a matter of weeks, while others take years to write an award-winning tome. Whatever the length of time, it’s not an easy task.

But what is it that makes some people think writers don’t mind working for free? What is it that compels some publishers to believe “exposure” is a sufficient replacement for monetary compensation? But, then again, how much is a single word worth? If a rap singer can spit out a foul-mouthed, yet otherwise incomprehensible “song” and earn millions, why should a freelance writer have to produce 500 words for fifty bucks? I can see the insanity in such questions, but I know too many others just don’t get it.

In 1988 the Writers Guild of America – composed of West and East branches – drove home the importance of writer compensation with a strike that practically brought the U.S. entertainment industry to a halt and almost bankrupted the state of California. The WGA started as the Authors League of America in 1912; an entity devoted to protecting the financial and creative rights of writers. Its first president was Winston Churchill – not the famed British prime minister – but a former member of the New Hampshire State Legislature and a novelist and playwright. President Theodore Roosevelt, who signed the Copyright Act of 1909 on his last day in office, served as the Guild’s first vice-president.

The ALA’s mission was simple and straightforward: “to protect the rights of all authors, whether engaged in literary, dramatic, artistic, or musical competition, and to advise and assist all such authors.” In 1921, it metamorphosed into the Authors Guild, when playwrights, composers, and lyricists left to form the Dramatists Guild of America. In 1933 the Screenwriters Guild formed in Hollywood.

The 1988 strike wasn’t the WGA’s first, but tellingly, each protest arose in response to cultural and technological changes in the entertainment industry. In 1960 the WGA launched a 21-week strike against film studios seeking compensation for movies shown on television. In 1973 they struck in favor of increased wages and health benefits. The 1981 strike was for cable and home video revenue. And, just three years before the 1988 event, the WGA protested over royalties from videocassette sales. The 1988 strike actually began late the previous year, when movie and TV producers demanded that writers accept sliding-scale payments on residuals from works that are re-broadcast after their original air dates. The producers claimed that syndication prices drop, so writers shouldn’t expect compensation identical to their original payments. The writers didn’t dispute the concept of syndication; the matter concerned the amount. Negotiations commenced, but stalled. And the result was the longest-lasting writers’ strike in U.S. history; costing the entertainment conglomerate roughly $500 million.

The 2007 WGA strike was, as before, a response to emerging technology. This time, it was a digital issue, and, as before, producers tried to utilize the new gadgetry to get around paying writers a decent share. The increased presence of the Internet and other devices, such as I-phones, allowed for greater dissemination of content. Recalling the 1988 mess, movie and TV producers listened two decades later and worked quickly to end the drought.

The angst of writers resounds clearly with other artists. In 1999 two teenagers, Shawn Fanning and Sean Parker, launched an online company called Napster, where people could download and share songs – for free. Using a then-innovative technology called file-sharing, users simply had to log onto their computers and – for lack of a better term, but calling it what it is – pirate their favorite tunes for personal usage. From a technological perspective, it was ingenious. From an artistic viewpoint, it was flat-out theft. The music industry quickly took notice, and – after much legal wrangling – Napster was forced to shut down in 2002.

The same issue arose again with musical streaming. It exploded into controversy last year when singer Taylor Swift pulled her entire music catalog from Spotify, one of the largest musical streaming companies in the U.S. Spotify and others offer users a desktop application for a nominal fee through which they can download whatever songs they want. The companies earn a hefty profit through ads and other sources. And the artists earn…a few dollars. Literally. Singer and songwriter Rosanne Cash dubbed musical streaming “dressed-up piracy.”

My paternal grandfather was a carpenter. One day, in the 1930s, a local woman called him to help get a window in her house unstuck. He examined the window briefly, before taking a hammer and lightly tapping on either side of the frame, thus dislodging it. When he charged her $10, she balked; asking why she should pay him for “tapping a little bit here and a little bit there.” He promptly told her the fee wasn’t for “tapping a little bit here and a little bit there,” but for knowing to “tap a little bit here and a little bit there.” Knowledge is worth something. So are words.

How much someone’s talents are worth will always be a matter of debate and is often subjective. On an episode of “The People’s Court” a while back, a performance artist sued a student videographer she’d hired to capture one of her stage shows; she wasn’t satisfied with the quality of the final product. Apparently she could only afford one camera, so the young man could only focus on a limited area of the stage; instead of videotaping the entire panorama. He could have brought in an assistant to work another camera, but the artist said her budget wouldn’t allow it. When Judge Marilyn Milian asked why she was so upset, she pointed out she was frustrated with the limited scope of the videotape. There were several people on stage, but the videographer only managed to catch one or two at a time. Milian reminded the plaintiff she’d hired a student videographer, not a professional, and queried why the woman just didn’t pay to have a second camera. Her budget wouldn’t permit it, she reiterated – whereupon she answered her own question. Case dismissed.

Anyone who thinks writers must accept the “exposure” concept at face value should consider this scenario. Imagine you’ve spent the bulk of your professional life in the food service industry. You’ve worked for a variety of outfits – restaurants, hotels, country clubs – before you finally decide you’re tired of slaving over other people’s hot ovens and decide to open your own catering business. You encounter a couple who wants to hire you to cater their daughter’s wedding reception. They want a certain amount and variety of food for a large number of people on a particular day and at a particular time. They then tell you it’s not in their budget to pay you up front for all the food and your time and energy in preparing it and setting it up, but emphasize that with so many people expected to attend the reception, you’ll get great culinary exposure; which means that someone will surely find it so delicious they’ll want to hire you for something else at a later date. Do you think a caterer would go for that? Why should a writer?

Last year I finally decided I needed to hire a professional editor to review my novel manuscript. I selected Leslie Silton, a Los Angeles-based editor who has worked with a variety of writers. After going through my novel, she found a number of minor things that I’d missed; elements that ultimately would have made me look unprofessional. It really does pay to get an outsider to review your work. At no time, however, did I expect Leslie to work for free. I never dreamed of telling her, “Look, I can’t pay you, but I have about 200 followers on my blog, 300 Facebook friends, and 250 Linked In contacts. I intend to publicize my novel on all those sites, and when they see what a great job I did, they’ll also see your name.” I would have gotten a dial tone the second I finished that sentence. As a Bostonian, though, I’m certain Leslie would have provided some colorful verbiage to go with it. If you produce work for one site, just for the “exposure,” what makes you think someone who sees it and – given that they like it – won’t expect you to be satisfied with the same type of “payment”?

In one of my Linked In groups a while back, this very subject came up. A freelance writer mentioned that she was frightened when a client expressed dissatisfaction with her work; therefore, she lowered her fees to avoid any impending damage to her professional reputation. I told her that she shouldn’t have felt bad enough to lower her fees, just because one particular client didn’t like her final output. “Your work is worth something,” I emphasized.

Wheaton offered a logical response to the Huffington Post “exposure” offer: they earn a considerable amount in advertising revenue. More importantly, HP itself is valued at something around $50 million. Too many writers fall for that “exposure” bit – and suffer the blatant disrespect that surreptitiously goes with it.

As writers we’re worth something. And exposure doesn’t quite cover it.

Image: Cullen Communications.

11 Comments

Filed under Essays