Frustrated and tired, I told him I had to sleep. Of course I didn't. I stared at the dim screen of my laptop while it played reruns of 30 Rock.
Wednesday, August 24, 2011
Sublimation. Or the Gray Area I Call Home.
Frustrated and tired, I told him I had to sleep. Of course I didn't. I stared at the dim screen of my laptop while it played reruns of 30 Rock.
Tuesday, August 23, 2011
Monday, August 15, 2011
The Weekend Wrap Up: Nightmares and Expectations


Wednesday, August 10, 2011
On "The Help"


Monday, August 08, 2011
God, give me the strength...
The response comes via email. Here's my favorite line: (Katie & Mike can't make it...understandable at it is a Saturday night and they are in their 20's!)
I will not relinquish a point simply because I feel pressured to do so. I don't lie. And I'm not fake, so pretending nothing's wrong isn't my style, either.
Friday, August 05, 2011
Odds and Ends. Weekend Edition!
Thursday, August 04, 2011
From Forbes.com: Retirement is Blocked by the Revolving Door
I did an informal poll at the office asking the following question: if you had adult children (say age 30), would you want them to live with you, or would you encourage them to get out and be independent? The answer was overwhelmingly for independence, and one man even said he’d feel like a failure if they returned home. Everyone who was available today was under 45 years old, and few actually have adult children, but their answers were interesting. Our culture fosters independence. I asked the financial planners what they were hearing in their one-on-one meetings with pre-retirees and I heard a different twist. The employees feel that they have no choice but to help out their family members during these tough economic times, and it was a drain on their finances. In an ideal world, while preparing for retirement you wouldn’t have this additional expense, but then again we are not living in an ideal world.
The planners heard these stories:
“My daughter is a very hard worker and has three jobs. Yet she never seems to get ahead. She got her wallet stolen at the pool yesterday and the thief left her wallet and ID but took her cash and her credit cards. Fifty dollars may not seem like much to some people, but it was a lot to my daughter. Couple that with no access to a credit card when she had $200 worth of school expenses (she is a teacher) and she won’t be able to make her rent. I had to loan her $400 to get by. I was not expecting that expense and it was not a trivial amount.”
“My son is working and going to school and having trouble making ends meet. When a necessary expense comes up for my ten year old granddaughter, what am I supposed to say? I can’t say no. It now costs $89 to register her for public school because I am in a state that is broke and my son doesn’t have the money. Now as a grandmother, I am ending up paying for the necessary things instead of the fun things.”
One of the biggest challenges of retirement planning is to estimate your future expenses. We assume housing costs may go down in retirement, when your mortgage is paid off and medical costs will rise, so at least some estimates can be done. Unplanned and unpredictable high and recurring expenses, such as assisting adult children and grandchildren, can certainly prevent the parent from being able to retire.
This is a growing phenomenon. As I mentioned in a blog a few weeks ago, the number of adult children between the ages of 25 and 34 living with their parents has exploded in recent years, going from a little over 10% in 2003 to 13% in 2010. Unemployment certainly is a big factor. According to the Bureau of Labor Statistics the unemployment rate for 20-24 year olds in 2010 was 15.5% and for 25-29 year olds it was 10.9%. With the economy struggling to produce jobs, this is a problem that pre-retirees with adult children and grandchildren can’t ignore.
Many will argue that families should take care of each other and that is what family is for. In other cultures, families have been living together in multi-generational households for centuries, so we are the odd culture in encouraging our family members to live separately. That may all be true, but the key isn’t so much where they live, it is the support they need when the pre-retiree still has to fund their own retirement, and that support is often an unexpected high expense. The challenge is to manage the pull of caring for your family without sacrificing your own retirement.
Ideas on how to help adult children without going broke:
Rethink your emergency fund. Carry a high emergency fund balance even in retirement. We normally think of the emergency fund to replace 3 – 6 months of income if you lose your job. In retirement, we used to be able to keep less in liquid savings because of steady retirement income. Consider keeping additional liquid dollars available for unexpected expenses.
Lend rather than give. The teaching goes, “Give a man a fish and you feed him for a day. Teach a man to fish and you feed him for a lifetime.” A gift or a hand out can turn into a steady stream of support. Lend your children money with a clear payback structure at a low interest rate rather than a hand out. This sets a clear boundary with your adult children and shows mutual respect.
Ask that they contribute. If they are living with you, ask that they contribute to the household by paying rent and helping with other household expenses. Even if the rent is a nominal amount, it sets up an expectation and lessens any financial drain on you. Set a time limit if that is appropriate under the circumstances.
Make sure they make the most of the situation. This is a time for them to improve their financial literacy by sticking to a bare-bones budget, getting out of debt and living within their means. Financial lessons they learn from the economic downturn can be an incredible opportunity for them to realize how valuable the cash flow of a job is or how expensive it is just to run a household.
Don’t sacrifice your own financial future. In our college planning workshops, we always remind parents there are no grants or scholarships for retirement. Set limits with your children if you plan on helping them or supporting them until they get their feet on the ground. Determine what you can afford and have a meeting with your child to make it very clear.
During the Great Depression families stuck together and they did without. Stella Anderson is 97 years old today, and she is one of six sisters who grew up on an almond ranch in Northern California. During the depression, her parents couldn’t afford to send her to college (they sent her older sisters before her) but she didn’t complain. She delayed her education, stayed at home and helped out on the ranch for two years before moving on to obtain her college degree. She and her parents took the practical approach and did what they could at the time. That kind of practical mentality will serve our families well today while getting through tough times together. It may even make the family bonds stronger. Plus, in your later years, you can lean on them like they leaned on you. That is what family is for.
by Liz Davidson link to article here
Tuesday, August 02, 2011
Sunday, July 31, 2011
Things that are beautiful....
Self-sufficient
Thursday, July 28, 2011
"That that is just the person that you are."
The Economist...
Work and parenting
Motherly love
Jul 26th 2011, 10:20 by S.D. | LONDON
ever, to dislodge the stigma that attaches to single parents.A WORKING mother knows that balancing the demands of private home and high-rise office is not her only worry. While busy, breadwinning fathers are unlikely to provoke moral panic, the public’s interest in how working women raise their children is easily piqued. One of Britain’s biggest-selling newspapers proclaimed fearfully on Friday: "Three in four middle-class mothers continue to work after having a baby, a study shows... The figures point to a relentless rise in the number of working mothers of very young children."
Contrary to these veiled aspersions, the study in question should reassure career-minded mothers. Conducted by researchers at University College London, it surveyed 19,000 British households to determine how parental employment affects a child’s behaviour throughout the first five years of life.
The results will startle those who think that children benefit from having a stay-at-home mum. In fact, the paper indicates that maternal employment can often improve the chances of having well-adjusted kids.
For example, five-year-olds whose mothers had been at home when they were babies were more likely to have behavioural problems than other children. For each child, the longer the time their mother was off work, the more bratty was the child's behaviour. Housebound women were also far more likely to report symptoms of depression than their working counterparts, problems which can only make the process of childrearing more difficult.
Of course, life can rarely be boiled down to simple equations of cause and effect. What complicates this picture is the correlation between work patterns and other factors like lower household income, poorer education and depression, which might affect whether a woman chooses to go to work. Interestingly, when the study adjusted for these factors, the relationship between bad behaviour and maternal unemployment remained strong for girls but not for boys. This may reflect, the authors said, “the importance of gender in family role model processes”—the inference being that girls benefit from having a mother as an exemplar of a woman who is successful and independent, while the effect is less pronounced for boys.
The paper also looked at the working arrangements of all adults in the household—a sensible method, and a point of distinction with other studies that focused exclusively on what mothers do with their time. Once again, the trends differed by sex. Boys, but not girls, were likely to suffer from their mother being the sole breadwinner, although once the results were adjusted for income, education and depression, the detrimental impact on boys disappeared. Boys thrived equally in homes where both parents were working, and in two-parent "traditional" families in which their mothers stayed at home. Girls, in contrast, appeared to have significantly fewer problems where both parents were employed than in traditional homes.
For social progressives, the results are mixed. Working women can head to their desks knowing that they are doing their daughters a service, and that they are not doing their sons any harm. Yet the study also suggests (the admittedly widely-accepted proposition) that the children of single mothers are more likely to be troublesome, and that the best arrangement for both boys and girls is to live in a two-parent household in which both adults are employed. These results provide a robust defence of why women should be supported in returning to work after childbirth; they make it harder, how
The study has other limitations, too. It restricted its analysis to white children because of problems with sampling other ethnicities. Statistically, that is not a huge drawback: 92% of Britons identified themselves as white in the 2001 census. A bigger issue is the way the data were collected, involving questionnaires about children’s behaviour, almost always answered by mothers. Working mums know that they are vulnerable to criticism from certain sections of society and the media; when surveyed, this might incline them to paint defensively rosy portraits of their children, and so to skew the results.
Wednesday, July 27, 2011
Race and Stuff...
Back in the Jim Crow days, there were two basic approaches to racism in the segregated South. You were an aggressor—a lawmaker wedded to segregation, a member of a lynch mob, a scientist trying to prove non-white people were inferior, or your garden variety white person who might use a racial epithet. Or you were a bystander—someone who maintained the status quo by saying, "We don't want any trouble."
Nowadays, being racist in public is less acceptable, so people come up with all kinds of excuses for prejudice. Like, "Just kidding!" Or, "I'm not racist, I'm just honest. (Variation: I'm just exercising my First Amendment Rights.)" "I have black friends." "Posting on Facebook can't be racist." And so on. Even amid claims that America is now post-racial, one of the tried-and-true ways to be racist has endured: the argument that fighting against bigotry is more trouble than it's worth.
Take, for instance, what happened recently at an Arkansas graduation: A black teen mom named Kymberly Wimberly was the top student at McGehee Secondary School in Little Rock. Despite these accomplishments, a white co-valedictorian was named along with her. Was it because this white student had the same GPA? Nope, it was because school officials worried that making Wimberly valedictorian would result in a "big mess" at the majority-white school.
This response may seem antiquated, but it's not uncommon—and neither is the old-school racism it defends. When Prescott, Arizona, residents shouted racial epiphets at non-white students while they were painting a school mural, the administration's first thought wasn't to speak out against racism. It was to lighten the skin of the Hispanic boy depicted on the mural. Why? They wanted to avoid "a controversy."
As late as last year, schools in states like Georgia, Mississippi, and Alabama have held segregated proms for black and white (and sometimes Hispanic) students. Overt racism still exists—one parent in Charleston, Mississippi reportedly said in 2008, "I'm not going to have any of those niggers rubbing up against my daughter"—but others prefer these divided dances because they want to side-step "racial flareups, a fight."
In this case, fear of violence is code for fear of change. And that's not much different from the Jim Crow era. A student named Chasidy Buckley, ensnared in the Mississippi prom fight, didn't mince words when she described what was at the heart of the segregation: "The [school] said, 'why change now? Let's just keep going.' That's the whole thing with our town. Everybody's afraid of change. It's just horrible."
Fuck the statistics, we just keep living up to them. You tell someone what they will be and they'll be it. You're going to end up in prison. You're going to end up the President. You're going to get pulled over if you keep speeding.
Friday, July 22, 2011
Dreams
That's the weirdest part for me. The thoughts.
Thursday, July 21, 2011
The Chicago Trip
I didn't take any pictures this time, which I'm kind of bummed about.
I think it's because I never know what to say. I don't want to say too much, but I feel like saying too little would damage the experience.
It was perfect.
S picked me up at the airport like a gentleman. He was right on time, too. I misread the text directing me to a quieter pick up location, so he had to do an airport loop to fetch me.
Saturday included a grocery store run, sushi and BLTs for brunch (don't ask - it made me very happy), a softball game - I forgot my sunglasses and nearly died in the heat, and his dad's birthday party. I was determined not to be stressed, and so I wasn't. (That's worked twice this weekend, but failed miserably once. So I'm shooting 2 for 3 on mastering stress.)
It was a very lovely evening. I spent it eating chocolate cake and talking to a million people. I reminded his grandmother that we'd met previously - when she told me she wanted to trip a 4th grader at a basketball game. It was great. I really hope that the consensus was solidly in my favor at the end of the evening.
Sunday was a calm day. I made that watermelon salad and headed to a friend's BBQ. I forgot how hard it is to park in Edgewater (just south of Rogers Park!). The BBQ had been moved inside, thank g-d, because it was miserably warm outside. I went outside to inspect the new grill, stayed outside for about five minutes, and came directly back in.
Then we headed to his mom's for dinner. His mom is also wonderful.
After one too many White Russians, I declared that we need to leave "now!" And so he took me home. That's when, overwhelmed by my own emotions, I began to cry. Such a noob mistake, I can't believe I did that. At least I made it back to the safety of his house so I won't be known in his house as "the girl who cried" for the rest of my life.
Upon missing my flight and spending the morning laying on his couch, sweating in the blistering AC-less heat and sipping a Gatorade, I realized that perhaps the night before hadn't gone so terribly. And by "hadn't gone so terribly," I mean exactly the opposite.
In the end, it was nice to have some time to chat about it. Being able to talk things out before you fly a thousand miles is really helpful. I informed him that I am indeed a girl, I do cry sometimes, and that it doesn't get any worse than what he witnessed (drunk tears are so attractive, let me tell you - nothing says "I'm a great girl, I swear" like puffy, red eyes, frizzy lion hair, and rings of mascara).
His response? "You were mad at me for things I hadn't even done [yet]!"
Ah, welcome to life with the opposite sex, my dear.
I had forgotten how much I love that city. I love the intensity, the illusion of calm, the people, the nights. I didn't get to the lake, to the Bean, anywhere, really, but I went everywhere I needed to go. The nights slipped away from me, standing on a rooftop overlooking the city - lights all around, never-ending noise. And the mornings broke beautiful, warm, sensational.
I felt so alive.
Tuesday, July 19, 2011
Phenomenal Woman by Maya Angelou
I'm not cute or built to suit a fashion model's size
But when I start to tell them,
They think I'm telling lies.
I say,
It's in the reach of my arms
The span of my hips,
The stride of my step,
The curl of my lips.
I'm a woman
Phenomenally.
Phenomenal woman,
That's me.
I walk into a room
Just as cool as you please,
And to a man,
The fellows stand or
Fall down on their knees.
Then they swarm around me,
A hive of honey bees.
I say,
It's the fire in my eyes,
And the flash of my teeth,
The swing in my waist,
And the joy in my feet.
I'm a woman
Phenomenally.
Phenomenal woman,
That's me.
Men themselves have wondered
What they see in me.
They try so much
But they can't touch
My inner mystery.
When I try to show them
They say they still can't see.
I say,
It's in the arch of my back,
The sun of my smile,
The ride of my breasts,
The grace of my style.
I'm a woman
Phenomenally.
Phenomenal woman,
That's me.
Now you understand
Just why my head's not bowed.
I don't shout or jump about
Or have to talk real loud.
When you see me passing
It ought to make you proud.
I say,
It's in the click of my heels,
The bend of my hair,
the palm of my hand,
The need of my care,
'Cause I'm a woman
Phenomenally.
Phenomenal woman,
That's me.