I Hate(d) Myself And I Want(ed) To Die

 

A sentiment you'd have too if you couldn't drive

A sentiment you’d have too, if you couldn’t drive

 

A couple of weeks ago your humble (now humbler than ever) blogger spent money on something so unspeakably foul, so indicative of a life gone wrong, that even confessing it here today doesn’t feel cathartic at all. It just feels dirty and shameful.

Street drugs? (Laughs.) No. Far, far worse than that. The services of a prostitute? Please. At least that would feel pleasurable, or ought to in theory.

I rode a bus.

An actual public bus. With a bench where you and the other losers wait, and a little box where you put your fare in, and everything. What’s even worse is that I should have ridden it twice. Here’s why:

A little background. Every December, CYC moves its operations to its seasonal headquarters on Maui. If you’ve never been to Maui, the island embraces a lifestyle unlike any other in the United States. Even if you’ve been to Hawaii, but only visited Waikiki, you still haven’t experienced anything quite like the soporific existence you get on the Valley Isle. The social norms that predominate on the Mainland and in most other outposts of Western culture just don’t apply. Hippies flourish here, and it seems every other Caucasian woman works as an energy healer. On the positive side, you can go into literally any establishment – 5-star restaurant, church, court – wearing clothes that you’d normally wear to wash your car or go to the gym in. Shoes are often optional, and no one looks twice if you happen to have forgotten your shirt at home.

Maui also embodies a famous directive about wealth, one of the very few pieces of received wisdom that isn’t a load of dross. It takes many variants, but our favorite is this: Live in the most expensive place you can afford. Drive the cheapest car you’re willing to be seen in. On Maui that means a 1994 Taurus with a wonky AM radio, hit-and-miss power windows, and 100,000 miles on it. The kind of thing you wouldn’t want to be caught dead in on the North American continent north of the Rio Grande, but on Maui it’s just a mode of transportation. Besides, there are no freeways on the island and just a sole 6-mile stretch of divided highway. It’s impossible to drive 80 miles an hour on Maui, which is why the locals laugh at the image-conscious visitors who rent sports cars that never make it into overdrive. CYC headquarters is close enough to shops and other businesses that the principals can make do with just the one car: they manage to share the Taurus without either ever feeling marooned.

Anyhow, one day the hit-and-miss power windows missed and stayed that way. The body shop is 5 miles away, and the car had to stay overnight, so the principals dropped it off and then walked a mile or so into town to catch a cab.

8 minutes and $40 later, we returned home dumbfounded. The idea to take a cab was reflexive – it’s too far to walk home, and you can’t fit one bicycle in the Taurus, let alone two, so what other option is there? Honestly, we would have thought about taking a hovercraft or the Space Shuttle home before contemplating public transportation. But still, $40. There’s got to be a better way.

Your humble blogger, who lost a coin flip and had to retrieve the car the next morning, broke down and looked at the bus schedule. There’s a stop next door? And a single transfer? And another stop a short walk from the body shop? How hard can this be, especially considering that any 15-year-old can do it?

Damned if it wasn’t just like riding a bus was back in high school, when one’s options and wealth are far more limited than they are in adulthood. The same dejected regulars were on board, the ones who stared straight ahead and seemed incapable of conversation anyway. Every ad on the bus – every ad, without exception – was for a government agency of some sort. If you acted upon every ad you saw, you’d have enrolled your kids on food stamps, taken your reusable cloth bag to the county liquor store, applied to be a police officer, conserved water, moved into taxpayer-subsidized housing, and enjoyed a more active life by quitting smoking.

The trip was uneventful, and that’s a good thing. So were the unbroken $20 bills in the CYC wallet.

There’s a reason why Rupert Murdoch doesn’t take the bus. Time is money, and the more valuable your time is, the faster you need to get where you’re going. But on a bucolic island when the day couldn’t be spent at the beach anyway (because the car was in the shop)? 20 minutes on a bus to save $38 was more than worth it.

Talk about your domain dependence. The same non-Sinophone traveler who had no problem navigating the subways of Beijing (remember the shapes of the logograms at the station where you got on, and note where the corresponding ones are on the route map) didn’t even consider taking the equivalent form of transportation in a town he was utterly familiar with.

How do you apply this to your own life? Don’t instinctively go with expensive convenience, when cheap won’t kill you and really isn’t that much of a hassle. We don’t hammer on frugality on this site, as most personal finance sites do, but taking a taxi when an uncomplicated bus route will do the job can be a stark waste of money. Still, try not to ride a bus more than once a decade or so.

Marissa Mayer Is Wrong. So Are Her Employees.

Marissa Meyer, 3 years ago.

Marissa Mayer before she was pregnant.

 

Marissa Meyer today. The lesson? Even 2 months of motherhood will wear you down.

Marissa Mayer today. Even 2 months of motherhood will beat you senseless.

 

If you missed it, Yahoo!’s* new CEO decided this week that her employees can no longer work from home. At the very least, her move started a national if not international debate: Employees Will Abuse The Freedom vs. The Flexibility Cat Chewed Through The Bag Years Ago. Who’s right?

Neither, but Ms. Mayer is less right than her newly disgruntled employees.

Regardless of how many readily quotable experts insist that productivity increases through the synergistic collaboration of having employees physically present together, we assure you that it is a treacherous lie.

Speaking from experience, your former wage-slave blogger used to work at an advertising agency; that most “collaborative” and “”creative”” of environments. (Yes, there are two sets of quotation marks around that word. Advertising is about as creative a profession as shepherding is.) To the insurance broker or paralegal, whose every step at work is regimented, an advertising agency sounds and looks like Zion. Relaxed dress codes, open floor plans, accommodation for unorthodox personalities, etc. The kind of accoutrements that ought to make people look forward to going to work in the morning. If any environment should benefit from having employees in physical proximity, that’d have to be it, right?

Hell and no. The life-saving transition from employee to contractor to self-employed required doing the same work from home. It tripled productivity.

How? Because there’s an element of randomness to most things, and the notion that everyone on the planet is forever at their most productive from Monday to Friday between 9 a.m. and 5 p.m. (or 8 p.m or 9 p.m., if you want to impress the Marissa Mayer in your life) is ridiculous. Also, the weather is usually nice during the day – at the very least, it’s sunnier than it is during traditional non-working hours – which means there are streets to walk on, golf courses to play, and literal mountains to climb.

After a refreshing day of the leisure activity of your choice, and the psychological high that you get from the feeling that you’re putting one over both on societal norms and the suckers who have to punch a clock, it might (or might not) be time to get down to business. In the toil of choice – in this particular case, writing advertising copy and commercial scripts – there was no practical reason for having to sit in an office with people of somewhat similar job descriptions. In fact, not being in that milieu was itself a positive jolt to productivity. In a dedicated home workplace, there are no distractions. Or at least the distractions are easier to control. No co-workers taking advantage of the open floor plan by invading one’s poorly delineated personal space and capitalizing on one’s time. No racial sensitivity workshops. No pressure to have lunch with people whom you wouldn’t want to spend 30 seconds in an elevator with, let alone an hour at Applebee’s. And no burning 45 minutes or so in traffic, each way.

Obviously some jobs can’t be done at home, but lifeguards and coal miners aren’t part of this discussion. A job that, at its most elemental level, involves transporting electrons to select places is a job that can be done anywhere.

Ms. Mayer might have a secondary agenda. Perhaps she’s doing this to assert her authority. Maybe it’s a test of her employees’ commitment to the cause that is the almighty Yahoo! Either way, the onus is on the inconvenienced employees to get in a position of self-determination.

Come on. If Yahoo!’s most productive telecommuting employee doesn’t want to go in the office and says as much, she won’t have to. Mayer isn’t going to walk away from the spread (said employee’s contribution to the bottom line minus said employee’s salary) if it’s big enough. That’s just bad business.

Mayer isn’t being unfair. It’s her company, her rules. She can require employees to work in offices with tepid coffee and cumbersome parking, and it’s up to those employees to decide if they’re going to stand for it. But if you’re not an employee, and if you derive your income from lots of sources rather than a solitary one, you’re not at anyone’s capricious whim. Mandated hindrance is something you can take or leave.

Assuming that you’re an employee, as most people are, the road to independence is obscured. You’ve probably heard 3rd-hand stories about how difficult it is to navigate and how many potholes there are. Resisting the temptation to take this road analogy any further, just spend a few bucks on our book and stop being trod upon.

 

*Ms. Mayer, if you really want to do something simultaneously revolutionary and atavistic, how about reverting to standard naming conventions for your company and thus getting rid of that stupid exclamation point? If you put “Yahoo!” at the end of a statement, does it require a period? If you put “Yahoo!” in the middle of a sentence, it looks like the end of a sentence. If you make a possessive out of Yahoo!, as we did above, then you have to immediately follow one punctuation mark with another. In fact, we just had to do so again. See? Thanks for nothing.

In Case Of Emergency, Count Your Balance

 

Our species has gotten so fat, these days we couldn't fit our fingers in the holes anyway

Our species has gotten so fat, these days we couldn’t fit our fingers in the holes anyway

 

God, we humans are dreadful at assessing risk. And you don’t need to do the ball exercise to prove it. Just ask anyone who

  • Sweats more when flying 2000 miles than driving that far.
  • Won’t let Caleb and Dakota play at the house of that neighbor who owns guns (“because I’m a good mother”) but encourages them to play at the house of the other neighbor, the one with that unforgiving deathtrap called a swimming pool.
  • Figures that the 100% chance of getting a buzz off a few drinks is worth the smaller but still statistically significant chances of getting a hangover, getting a DUI, mouthing off to a stranger, getting in a fight, mouthing off to a friend, vomiting in public, making out with someone you’d normally avoid, losing your wallet or an article of clothing, sending a regrettable text (“U AND I WERRRE MEANT TO BE TOGEHTER!!!!! I SORY ABOUT EVERTHING BUT I LOVE U SO MUH!”) having to find your car the next morning, handing a day’s wages over to a cab driver, or performing one of the other quadrillion regrettable acts that we could have included in this paragraph.
  • Buys lottery tickets. (The chance of a masked criminal entering the convenience store and shooting you while you wait for a ticket is greater than the chance of you winning. Heck, the chance of a 7-Eleven roof panel falling on your head and permanently incapacitating you isn’t far behind.)

People love to worry about and prepare for stuff that’s not going to happen, even if it means

  • throwing away real money in the process
  • guarding against a “disaster” that’s really more of an inconvenience.

In fact, for many of said people the idea of spending money on the unlikely event is a positive. To them, no price really is too high if it means being safe. But there are degrees of safe, and there are degrees of sorry. They can even overlap. To cite an example, one that could save you legitimate money:

For the 70% of you out there who STILL have landlines, one question: Are the customer service people at CenturyLink really that smooth that you can’t cut them out of your life? (“Para español, oprima numero dos.”)

$540 a year so you can make phone calls from the inconvenience of home (and perhaps a 50’-wide zone around your home, depending on how big the antenna on your cordless set is.) You know, as opposed to the full portability of a mobile phone. Which you have anyway.

Even the lists of features sound laughably old. Why, with landline service you can “Add popular calling features such as caller Id, voicemail, call forwarding”

Where to begin here? Voicemail has been around for 25 years. It’s a “popular calling feature” in the same way that a lettuce crisper is a popular storage feature if you happen to be in the market for a fridge. And again, all these features come standard on a cell phone. Which costs a little more, $80 or so a month, but that we can mostly agree is worth the convenience.

Note: The opportunities lost and time wasted in the exclusively-landline era are incalculable. It wasn’t that many years ago that arranging to meet people at a predetermined time and place was a crapshoot. Having to change plans at the last minute was either impossible, or more trouble than it was worth. We’re not the first people to point out that the plot of most every Seinfeld episode would have been destroyed if the characters owned cell phones, but that’s not the half of it. Popular songs were written about the simple but devastating misfortune of missing a hookup because the 2 parties in question spent undue time standing 1/8 of a mile apart. (Read the lyrics to Led Zeppelin’s “Fool in the Rain” or Genesis’s “Misunderstanding”.)

No way. I’m never giving up my landline. I need it for emergencies.

What emergencies? You will never have to call 911. And if you do, you can use your cell phone. Yes, there’s a chance you might get put through to the wrong dispatcher. Tell her when she answers, and she can fix it in 4 seconds.

But if there’s an intruder in my house, those 4 seconds are precious.

First, you should have bought a gun by now. Second, we’re now arguing about the infinitesimally unlikely. At this point you might as well ask your local landline provider if they can offer early asteroid detection for an extra $200 a month. Hey, better safe than sorry.

The chance of your visiting aunt suffering a grievous head wound and you somehow being unable to call a local ambulance is tiny. But the cost of that landline is certain and large. Quit paying it.

Seriously, though. What if the power goes out?

Then start a fire and tell ghost stories. On the North American grid, the power doesn’t go out frequently enough, nor for long enough periods, to justify that $540 expense.

And what if the power goes out? Who are you going to need to call? Do you pay the annual $540 in the event of that one instance every 20 years when the power does go out, your mother who lives on the other side of the country hears about it, and then she calls to make sure you’re “OK”, but she can’t get through? Not sure what that’s worth to you, but it’s worth less than $10,800 to us. Besides, she’s going to be dead by the time the power goes out again anyway.

Worrying about these unforeseeable events is the equivalent of the loopy financial pundits who insist that you create an “emergency fund”. Why do they do this, aside from the obvious reason (in case there’s an emergency)? Because it’s easy and pointless, like most things in life. Throw a dead cat and you’ll hit 8 personal finance bloggers who are proud of their $1000 emergency funds, on which they’re ready to break the glass on should it come to that. Even though they’re carrying several times that amount in credit card debt.

If you’re that convinced that moderate disaster is moments away, spend $2 on batteries and scour yard sales for a radio. Then you can burn your evenings waiting for a transmission from the Emergency Broadcast System, which again will never happen. Or if it does, it’ll be useless. “It’s snowing. Stay inside.” Which you couldn’t figure out by looking out your window.

Sell liabilities. Your landline is near the top of the list. (Unless you live in the white areas, in which case do what you must.)