This seems like a good day to stay in and grade papers or update the online grades. That will happen, but not before the semiannual trivia tournament. We've lost our amazing player, but are still hopeful.
And today is payday, so that's excellent news. I'll be taking a look at what can be replenished from the recent drain to savings. And it's 17 days to London. Still more planning to do there, but getting very excited.
Because we won't be home for Christmas, I'm doing minimal decorating around here, but did pull the Advent Calendar out and filled the first two days. I'll have to replenish that tomorrow.
I continue to have mixed feelings about my evening adjunct job. On one hand, I love the different demographic and the literature classes. The pay, while minimal, always comes in handy. On the other hand, I'm exhausted teaching until 10pm and then teaching again at 8am the next day. It's hard to wind down.
There may be a halfway solution. I could try to limit teaching there to summer months or just an occasional class. I thought I'd do it for a single semester, but it's now been 12 or 13 years. I've been so fried lately that I really want to step back and re-evaluate.
Viewing the 'Not shy or retiring' Category
This seems like a good day to stay in and grade papers or update the online grades. That will happen, but not before the semiannual trivia tournament. We've lost our amazing player, but are still hopeful.
Long-time readers (man, you all are so patient with the minutiae of my life) may recall some of my concerns about my colleagues/friends. Most of my university teaching friends have doctorates, some masters' degrees, but our pay is not so great. Everyone I know picks up extra work wherever we can--adjunct jobs, freelance editing, you name it. And the salary issue is worse for those whose spouse is also teaching for us. I won't go into my political rant, but we've had issues all over our state university system. The issue is, of course, compounded by the fact that many financed grad school with student loans.
I have a core group of about six women who I'm close to, and of those six of us, four of them struggle mightily with money. They are all married, each have two kids, and work very hard, picking up extra work where and when they can. But during a lunch on Friday, three said that apart from the mandatory state pension withdrawals, they had NO retirement savings, nothing in IRAs or the 403b the university offers. That made me feel really sick. I'm the oldest of all of them, but the rest are about to turn 50 soon. So, here's my question. Do I just completely butt out? We agreed years ago that if we sub for one another on an adjunct job, we pay the sub. One of them owes me $200 for a sub job, and I would so love to walk her through signing up for a 403b and depositing say $100 of the $200 she owes me in that account. They've had so many medical issues, a child with leukemia, broke parents, you name it. It's a head/heart issue. I want them to be ok. But it's too interfering, is or isn't it?
Back from my little five-day jaunt to Bodega Bay with my Minnesota girlfriends. Man, we had fun. We got a VRBO right up from the beach, walked through Armstrong Redwoods, drank wine, hiked to a lighthouse and all around. It wasn't extremely cheap as it was a friend's birthday, but it was a lovely trip and really helped clear the mind and get me ready for summer. I used airmiles for the flight, and that always feels so good.
We had an interesting talk about retirement goals and our next travel plans.
Back to reality later today.
Updating interest on UK House Fund
Yay Hooray! Today was the last day of classes! Days of grading and admin lie ahead, but the load lessens.
I had sort of an eventful last day. On my way to the university I stopped for a last day doughnut treat for my favorite class. Unfortunately for the store, my handy reusable bag caught a wine bottle display and off went two bottles of Riesling smashing to the floor. The clerks were great about it, but I was a bit abashed.
I've somehow got put on a huge, intense, grant- writing committee that looks like it's going to require some work well into the next month. If we get the money, it'll be great, but more committee work was not on my wish list.
There's plenty more to chat about, but I am indeed just edging my way into summer break.
Oh, my SA friends, I've missed you. But the blasted semester will be over soon, and I'll be back to accountability and a little more time.
Off to teach yet another class and grade ten thousand more papers.
My boss e-mailed me yesterday asking for a few minutes. I wondered what was up, but knew he wasn't thrilled with his job. He has a 25% administrative appointment and it's not his thing. So, beginning this summer, I'll be taking over his administrative position while staying in the classroom 75 percent of my contract.
Honestly, there are many things I'm eager to change, and a three-class load is much easier than a four-class load. I'm pretty pleased; it gives me more time and more authority to improve things.
I am pretty darn busy right now with four weeks of the semester left--plus my adjunct class, a conference talk, a couple of scholarly projects, and a myriad of other things.
In other news, I dropped a bag off at Goodwill this afternoon and transferred a few dollars into my Big Goal fund to round it up to 4.5 percent (still sad) completed.
My DH got a raise! Not as much as he would've liked, but money is money. I'd like him to stash it all into his retirement plans.
Tomorrow some colleagues and I are meeting to try to tighten up our very lax occasional academic editing business. We're going to print up a few things and work in tandem.
I got paid this week for my evening class and stashed half the cash in my big goal and the other half in the account we borrowed from to re-do the bathroom. Feels pretty good to put some money away.
I also have about $500 I need to collect from some class fill-in and an editing job. We've been fairly frugal lately too, although I foresee some spring shoes in my future.
Although I think we could benefit from continued sort-of uber frugality, I'm a little weary of it. But March is coming, I have a weekend in Minneapolis planned with my BFF, and in midMarch my spring break will lighten the load a bit. I'd like to go to NYC with DD and perhaps DH, but her break never overlaps with mine, so we may try for a short summer trip using air miles. I also have five days in June planned with my Mpls friends in Northern California, renting an airbnb. I used Delta miles I forgot I had, so I came in under $100 for the flight.
Can you tell I'm a little cabin feverish? I seem to go to school, come home and grade and prep and cook, then go to school again, repeat, repat, repeat. Weekends seem to be devoted to running our DD everywhere and catching up on cooking,grading, and housework. But then there's this: https://www.theatlantic.com/business/archive/2018/02/pensions-safety-net-california/553970/
And I can't say I want to be at the food pantry or handing out supermarket samples in my mid-70s. Back to work.
Ah, the long stretch of January has just hours left. I was reasonably frugal, used up lots of food, and decluttered a fair amount. That needs to all extend into February. Our dog was coughing and trying to clear her throat in the middle of the night, so I was up with her until she settled down. Unfortunately I never did and was awake from 3am on. I thought about canceling class, taking it online, but decided I could push through as I had a partner activity planned for half the class. It turned out fine, and I even abstained from my morning coffee purchase since I was planning on returning home at noon and napping. So, I saved $2 and came home for a two-hour nap. For the next month, I have a pretty darn easy semester, at least relatively. I have four sections of the same class, so it's one prep starting at 8am every day. People complain it's boring to teach just one thing, but sometimes it's just a gift. There's lots of reading and grading, but man, it's just so much easier. What happens in a month? My adjunct class starts on Monday nights. More money, but more schedule balancing.
And we continue to eat through the cupboard and freezer. Tonight before his class DH had leftover pot roast and DD and I ate pancakes and sausages with strawberries. I made half a dozen extra pancakes since the griddle was out which someone will eat for breakfast. It's going well. And payday is tomorrow. And again in 28 days.
While this sounds like Dave Ramsey advice, it was really me walking the six blocks to the university today, The sidewalks were full of ice, and I've developed a mortal fear of falling. Day Three of the semester seems to be going just fine, and hopefully today's spending will just be coffee. I see chicken tortilla soup on tonight's menu. It's kind of a flurried evening for us as DH starts his new class and DD is at theatre until 6, so we will eat in shifts.
To help eliminate our overseas transfer issues, we're opening up a Chase savings account--mostly for the SWIFT transfer capabilities, but also for the $200 bonus. Our local bank --which I love--can't seem to accept SWIFT international transfers, although I've sent money out from them. And DH needs to withdraw some British money for his tuition. I can't say we've come to complete agreement on that issue, but he'll pay for half with British cash, and we'll cash flow the other half. Graduate school is an expensive hobby, but perhaps one day he will teach. And the $200 bonus for keeping 15K in the account will lessen the hurt for me a bit. I opened a Chase for the bonus several years ago, but he's still eligible.
I have many meetings on Friday, but it's nice to be 3/4 through with the teaching week. In thinking about uber-frugality this month, I think we've been more frugal than usual, but probably not up to uber. Maybe I can find a few ways to increase cash and limit spending in the remaining week. We have been good about eating through the pantry and freezer, and the chicken tortilla soup will help with that. Hmm--maybe a few things to sell? Or make some time to review our internet service? Anyone have ideas for a couple quick wins?
I've had a couple of lovely days. Yesterday a tedious meeting turned into a happy occasion as two of the top three places in our writing competition were taken by MY students from last term. I couldn't be happier if I won myself. The prizes are small-ish with the top student earning $150, but it's so fun for them and great for their resumes. I've also made progress on readying my classes for the upcoming term.
We got lots of decluttering done, and today I made $15 on a selling some of that stuff. And I had lunch with a colleague--one of those lovely long lunches because it's so fun to talk with them. I cashed $50 out of Swagbucks which is going to my big goal. I'll credit my totals when it hits the bank.
And I made the most delicious mac and cheese yesterday from a recipe on a can of evaporated milk. Fattening and decadent, but used up lots of pantry stuff and delicious.
Man, these days are long and full. After my classes, I worked with two struggling students, helped a colleague figure out a group project, met with more students, then went to the London orientation meeting. No, I'm not going to lead the program this year, but they've asked me to talk with the new students. And I got to see an old London buddy, so it was fun And then it was sad because I really want to go again right now. And classes are such a slog lately. I spent a chunk of time working with a student who has been kicked out of her house and has been sleeping in her car. She's from a very strict immigrant family, and I put her in contact with student services to try to find her some help. And there's another one in tears as her child's father keeps threatening her and she's had to file a restraining order. Man--sometimes I'm a part-time social worker. I can't wait for Thanksgiving break.
Trying to keep the lid on spending until we get ahead of the game a bit. Good news on my DH's bank transfer than his UK bank screwed up. They've apologized, refunded a bunch of fees, and credited us 150 GBP. But we're still making soup here.
Twice today I visited our local bank branch, first at 8 when the drive-ups were closed so I decided to come back later, then at noon when it was also closed: closed and surrounded by police cars with the branch full of police officers. I have no idea what was going on, but glad I wasn't there when whatever happened occurred.
It's that point in the semester when I'm buried in work, so household things are in super-simple mode. Lots of soup made and simple meals. I did start to defrost a turkey breast figuring there could me some more soup and sandwiches out of it this week.
I'm not the only busy one. DH has a presentation in his history class this week, and DD spends all her time building stage sets for the school production of 1984. Tonight I'm out with colleagues, DD is at a birthday party so DH will be home with his European History paper.
I've e-mailed my hellish student's advisor, re-posted, with warnings, my syllabus's notice on "discourteous behavior," and am arranging a meeting with her and her advisor. I refuse to spend the rest of the term thinking about her behavior. While I was at it, I e-mailed another advisor with concerns about his student's progress. He was shocked as she has reported her classes are going well, especially mine. I beg to differ; she is almost at the point of no return. My 100 students this term seem to have 100 issues rather than the usual 10 or so. Sigh.
Last night at my adjunct class I learned my next session which would start in late October has been canceled due to low enrollment. I think they're going through some tough times there, and I'm not all that surprised. It's not-for-profit, but it is private. So that income--always headed for my big goal-- is gone until my next scheduled session in March. I have mixed feelings, I guess. My regular classes keep me plenty busy, but I like the demographic and the extra cash certainly helps. But I also like being home weeknights to work on house stuff, spend time with my family, and do extra school work. I didn't say anything yet about their security issues, but will still voice my concerns.
In happier news I had a lovely weekend in Chicago with my BFF. We played hipster in Logan Square, ate at great places, drank good beer and fun cocktails, and in last weekend's heat went back downtown for a boat ride on the river and lake. It was a very fun weekend, and my BFF always makes me feel so much better. Not too spendy with a great airbnb and the just the train ticket.
The forecast is for cooler weather tomorrow so I'll roast more tomatoes when I get home from the university--and maybe even do some ironing.
The busyness of it all has started in full force. I met 50 new students today, and I'll meet another 50 tomorrow. The administration is really intense the first few days, and I'm tired, tired, tired.
I had the night "off" from my adjunct class last night because of the holiday, but spent most of the evening reading their papers.
In more financial news, we received an unexpected refund from the dentist for $67, and I just did a textbook survey that promises a $50 honorarium. We are pretty darn broke right now without moving cash from savings, so every little helps.
An early bed for me as I have an 8am class in the morning, followed by another one, office hours, DD's dental appointment and the high school meet and greet.
Yep, the new school year is about 14 hours away. DH and I have spent the day trying to get things done around here. I made quinoa salad for both DD and DH's lunches, made muffin tin fritatas for breakfasts for the week, and got the lunch boxes ready.
I still have a few things to do because we spent yesterday in the Wisconsin Dells taking a boat trip through the Upper Dells. The commercial trashy Dells are pretty awful, but the natural Dells--the beautiful river and rock formations are breathtaking. We saw Stand Rock and the fabulous Witches Gulch. It was a fun day followed by our dinner out using a restaurant gift card.
I look forward to the new school year. Let's go!
Let's make that my first cup of coffee shop coffee for the semester. And it was well-deserved, I think. I was up late late late trying to untangle upset students mired in a group project. They hate each other; they want to work independently, they are clearly stressed and crazy. I arranged to meet a couple of them after my classes, and the angry meeting I was anticipating turned out to be sad. Several of them are facing failing classes (not mine) and they were grateful for the few crumbs I had to offer them. Students need some sort of stress mgmt techniques. They exhaust me.
My class is actually writing a report on increasing 401k participation in my fictitious organization. It's to teach them about audience, report formatting, etc. And my secondary (and hidden) purpose was to encourage them to do some research about retirement planning and financial literacy. I'm really pleased with it; several of them have commented about how they're "accidentally" learning so much about pensions and 401ks. Now they're very keen to start investing and enrolling in their plans--which surprisingly are offered by many of their employers. I hope when they have fat retirement accounts they drink a toast to me--or send me $10.
And a sunny one at that. My MW classes are working on a big project, so I'm there mostly to give feedback. The Tuesday/Thursday ones are still getting modified lectures, and we're building in some time to work on their projects. My students are really really tired. With four weeks left of the semester, they seem to have hit the wall. I think they'll need some love--probably in the form of doughnuts next week.
I was about to splash out on a coffee during my office hours today, but found one lonely little orange teabag in my work bag, so made a quick cup of tea through the magic of the electric kettle instead. Chalk up a $2 savings.
Our theatre building at the university had a serious fire on Sunday causing over a million in damages. But the local community has been very generous offering us space, extra materials, and cash to rebuild.
Something a little strange has happened with my DH's job prospects. He's heard from a source that his old job may be interested in having him back. I think if they offered him a non-contract job, he'd go back, but we'll talk it through tonight and see how steady it is.
I have indeed deposited $1300 in my new account toward the $100k goal. So, I'm 1.3% of the way there! This may be painstaking progress, but I'm eager.
It's spaghetti night here. Do you all have a regular taco/spaghetti/pizza or something night?
I've had way too many late nights this week editing a dissertation for a local nursing student. English is her second language, and her grammar and phrasing needed a lot of work. But it was an interesting project, and despite my issues getting her tables to merge into the original copy at 1am this morning, we're finished! She had the original tables, so all is well. I took the dog to have her stitches removed this morning, deposited some rebate checks, came home, and took a nap. Two hours later I felt like a human again and started cleaning the kitchen, catching up on laundry, and grading quizzes. Inspired (as always) by CCF's idea of a new savings goal, I'd like to try to save a big chunk alongside our regular retirement savings before DD heads to college and we consider moving to the UK. Ideally, I'd like to shoot for $100,000, but I'm not sure how realistic that is. The more reasonable figure is $50,000 but I'm going to aim big. Maybe I'm loopy on sunshine. So far it's been a NSD as the stitches removal was free.
Can you hear me sighing a bit with relief? I spent a very productive 45 minutes with my 403b advisor this morning. She was excellent, and I'm so glad I went.
She plugged IRA values, my state pension values, my 403b, SS, and other numbers in--and generated a rating of worst case/ mid-range/ and best case. Apparently they rank your retirement readiness from 0-150 with 150 being the best. We got a 150+--even with the worst case scenario. Granted that includes DH's new job with a hefty 401k Match--but most of it was from my state pension, SS, and IRA.
She gave me some good advice on shifting cash into DD's 529, and really staying the course--seeing if we could squeeze another couple hundred a month into things to allow us more travel money etc.
But I now foresee a carefully budgeted for bathroom remodel in our future. I am both very relieved, and still a bit anxious. Hopefully that anxiety will disappear after DH gets a few months under his belt.
We also talked college costs--and we decided to shoot for $30,000/year for DD. We have a long way to go on that, but I think it's do-able. She's decided not to go to French camp this year, and I'll try to plop that money into her 529.
It was interesting to hear her cautionary tales of people whose readiness scores were under 20. Now off to BOGO lunch with friends.
I walked to school in a rainstorm, but halfway through my class, everyone started oohing and aahing. No, it wasn't my brilliant teaching, it was a big snowstorm. It's heavy wet snow and looks gorgeous.
It looks like another NSD. I had student meetings after class, but managed to make a quick cup of coffee in the office before heading out, ate lunch afterwards at the TIAA Cref seminar held for "America Saves" week. I think the seminar was pretty basic--especially for frugalites like us here at SA, but it was pretty clear not many people thought much about money and debt. They did an interesting exercise--handing out cards with eight categories including housing, savings, debt, transportation, utilities, food, entertainment, and healthcare. Our small groups tried to figure out percentages for each. I was astounded some folks argued for food at 20% of their budget while others thought housing should go to 40%. Then they told us to factor in retirement savings too and figure out where the cash would come from.
It was worthwhile--especially since I won a prize--a small notebook and pen--and several packages of mints for guessing the answers. But I was a bit worried at the level of financial literacy around me. I think perhaps I was one of the few faculty there--lots of admin folks, some unionized cleaners, etc. Financial literacy should be taught earlier, I think. And I think workplace pension contributions should be automatic; folks should have to opt out rather than in. It gave me some good ideas for class projects. But like attending healthy eating seminars, this is information many of us know, but often don't act on.
Now twice buried--snow and still grading.
Bruegger's Bagels was celebrating their birthday this morning, and I popped in for three free bagels. I (really) ate one in the car on the way to the university but saved the other two for DD who loves their Asiago bagels. Such a simple thing but a nice little treat for still very-frugal me.
My non-frugal office mate scolded me for not going out to lunch with DH while he's unemployed telling me I had no bills. Excuse me? No mortgage maybe, but plenty of bills still.
I had very good classes today which is always fun, and best news of all, my adjunct university offered me a summer class. It's composition--not my favorite subject, but still. That means I'll have summer cash when my regular university salary is over. That gives us a lot more breathing room and we could probably make it even if DH doesn't get a job. But I think he will. Still, a relief.
I cooked and baked for about half the day yesterday. I made bean salad, quiche, two batches of granola, and two loaves of peach bread. Lots of things went from freezer to the oven. I was pretty beat after all that, but bagged up granola for gifts, wrapped up a loaf of peach bread, and finally delivered gifts to our university admin staff who make life possible. One lot of granola and a loaf of peach bread went to my struggling colleague whose classes have been cut and more awaits another.
The worst part of the day was the meeting from hell with one of my most miserable colleagues. Man alive, after a dozen years of working with her, I'm amazed I'm still standing. She makes the simplest decisions long and agonizing. Our meeting should've lasted 15 minutes and somehow she dragged it out to an hour and a half, making everyone annoyed and impatient along the way.
But honestly, I was happy to get out of the house and off to school. I like to work. I had lunch with an unemployed colleague who insisted on buying lunch with his gift card, but I had a BOGO coupon, so I had a lovely lunch for free. I did errands, went to the bank, picked up milk and got EB at CVS. My office mate bought me lefse. I'm doing pretty well. I wish I could make things go as well for everyone else. Very minimal spending after a NS Day yesterday.
Best of all? The textbook publisher finally paid me the $1000 they've owed me since September.
BTW--I'm very sick of Swagbucks but penny by penny, the cash keeps rolling in.
Much to my delight, the prepaid Visas earned for our health assessments arrived this week. It was a nice $300. However, my DH seems to feel he should be able to blow that $300. I, of course, disagree. We agreed that we both could have $25 from our cards to spend on whatever. And I spent all but $5 of mine today on the dog's post-operative therapy. Bleah. But I guess it's paid for and not on the credit card.
Our CSA box is keeping us jam-packed full of veggies. I made a big pan of stuffed shells with spinach filling tonight, and we still have loads of things. Last week's box had brilliant strawberries and garlic scapes which I've had lots of fun with. Pole beans will be the challenge of the weekend.
I spent 45 minutes on the phone with Vanguard today, and am again very impressed with their customer service. I still had some stocks rolling around in an old IRA, and we got that all transferred. Looking at the statements led me into doing some retirement calculations. Thanks to some major years of contributions when I was younger, I think I can do 100% income replacement right now. That's with Social Security and that's just me--not my DH who has been lax. He's been a contractor for years without a 401K match, I nag him all the time about restarting IRA contributions, but he HATES finances. I'm going tot have to take over his as well as mine. There's UK money, but not a ton, and there's been no progress on his dad's estate. We actually sat down and talked this through tonight--which is tremendously satisfying for me and boring as heck for him.
Other things accomplished this week has been some minor decluttering and the opening of a new savings account purely for the $200 bonus in 90 days. But all of that is done.
Surprisingly everything went according to plan yesterday. I got my new purse for $8, and I like it. DH and I got to our wellness assessment, completed it in record time, and found we're about the same as last year. We both need to lose 10 lbs and eat somewhat better. We've been walking after dinner for a while, so I hope that will help. And we're looking forward to the $300 incentive sometime this summer. After I deposited him back at work, I went out to my adjunct job to drop off some UK gifties for my friends there. I just brought home some tea and canvas bags from Primark for their teenagers who like them much more than the 1.50GBP I paid. And I got the travel authorization process moving. DH's car repair came in under $900, so the car lives on.
Along the way though, I heard several stories of how tough things are in higher ed right now. Our director of Intl Ed has deserted the floundering ship that our state university system now is. She's taken a job in California after 20+ years here. She's originally from our English Department so I've known her for years, and we're all sad--as is she--to see her go. And I met a colleague who is thinking of early retirement before our massive cuts take place next year. She doesn't want to leave, and will be a big loss to us as we have no one with her expertise--and won't be allowed to hire anyone either. And my adjunct job looks bleak too. I have a summer class in late June, but they're ready to let go of some of their classroom space as enrollments suffer. It made my $8 purse seem like a very wise buy.
Yesterday was testimon(e)y to the KEEP PUSHING mindset. After six months of on- and-off arguing with my dental insurance provider about DD's root canal, we received a check for $707 yesterday. Hooray! And a $5 rebate check. And a $35 credit from Amazon on a trade-in book they apparently "lost."
Granted all of this should have happened automatically. The dental insurance should have paid in January; Amazon should've credited the book. It was a lot of time and aggravation for both me and the endodontist office, and I was on chat with Amazon for at least 25 minutes.
I'm more than excited.
Part of my real and financial housekeeping has been to look hard at all of our upcoming expenses. We both tend to just throw money in a pile, try not to overspend, and hope to find the money in the pile when we need it. Indeed if we want to use some of my nest egg for an English property, we're going to need to examine our domestic spending and goals. That means looking at our spending even more carefully.
My DH doesn't spend a lot on frivolous things, but also never compares prices or thinks about long-term planning. That's just not how he is. Our retirement planning has been my task, and I've done pretty well with it. We also have set aside some money for DD's college expenses, but not really enough. DH had the advantage of a free British university education (no longer the case there), so hasn't really thought through what DD will need. I spent some time running college calculators the past few days, and it's clear we need to save more. Although he fidgeted through the discussion this morning, he actually lasted through the whole thing--culminating in our increasing our 529 contribution significantly.
I'd still like to get a new water heater and a new bathroom in the next year, but I can see I'm going to have to find a bit more freelance editing work over the summer, be more vigilant about expenses, and keep selling clutter.
My current small steps have helped, but I'm committed to examining all our bills--from finding a better phone plan to increasing our insurance deductible on the older car.
And it looks like we'll have some whining issues. It must be awful to enroll in a literature class and find out you have to read some books. But we got through the first long sessions, and only have six left.
I spent only a bit this afternoon on my way to class--I needed to use an expiring Walgreen's voucher and bought some coffee with coupons.
I decluttered a bit, ridding myself of a big load of postcards for someone who collects them. I have lots to do tomorrow--some financial, some housekeeping.
I wager some of my retirement funds that many of you saw the PBS Frontline special, "The Retirement Gamble" when it first aired last spring or maybe when it was rebroadcast last week. Here's a link to it:
It got me mad (as usual) and got me thinking about my own mutual fund holdings and how badly I've probably been stung by the fees. I just did a cost comparison from one of my American Century holdings with a Vanguard Index fund. Now granted, this is Vanguard's site, but if it's near accurate, American Century, whose fees are ranked "below average" is costing me a lot of money. A lot of money.
I'm wondering about how I sweat the small stuff, like the price of coffee, yet these fees, which seem to have little if any relation to performance, are costing me tens of thousands. It sort of makes me sick.
I suppose I'm the only ding-dong here who isn't in all low-expense ratio funds?
I'm finally thinking I'm over the worst of the semester. I have the rest of it planned out, and the best part is now that my evening class is over, I have some more time.
I went to New Orleans from Wednesday-Saturday to do a conference presentation. It went well, and the best part was New Orleans itself. I haven't been there in years, and I had such fun. The university will pay for about half my trip, but I heard great presentations, ate fabulous (and free!) food, and had at least a couple of hours for a wander around. A bunch of folks I was in grad school with were there, and some other former colleagues, so it was fun to go out with them. I didn't spend too much, tried to economize where I could, and got some work done at the airports, on the planes, and in odd snatches of time. So, I'm caught up enough and feel refreshed.
I came home to a registered letter from my adjunct employer which made me a bit anxious. But it turned out to be good news. Their IRS audit revealed they owed me a 403b contribution. Because I work there only sporadically, I don't have a retirement account with them, but apparently I worked enough in the previous year to open an account with an initial $800 deposit made by them. Isn't that peachy?
I hope to clear things up around here this week, completely catch up on work, and clean the house. Maybe I can even turn into Tinkerbell or lose that dread 20 lbs.?
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