Tag Archives: finding a job

Alternative retirement planning

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Once upon a time I wrote a personal finance column for a South African daily newspaper. The column was called “Smart Money”, and every week I used it to yatter on humorously about stocks, bonds, money markets and such esoteric entities. It was fun. I got invited to insurance company shindigs and had lunch with movers and shakers like the head of the Johannesburg Stock Exchange, and they would ask my opinion about the economy, and listen with interest as I repeated whatever I could remember from the last shindig or lunch I’d attended.

Fun, but also scary. I was constantly aware that, at any moment, I could lose my conversational balance and plummet like a sheep out of a tree.

My friends and family thought this was the funniest thing of all the absurd things I’d ever done. In fact, the only time I ever generated more whoops of appalled laughter was a few years later, after I’d moved to the US, when I got a job driving a school bus. According to the people who claim to love me, the only thing I do worse than manage money is drive.

I’ve been thinking about this quite a lot lately, and pondering how much easier it is to give great advice than to follow it. Take my “Smart Money” column, for example. I knew I was entirely unqualified to advise people where to invest, or to forecast economic trends. But I figured out pretty damn quick that many of my readers were people who had accumulated money by being good at whatever they did, but were as clueless as I about how to make their money grow. They were widget-makers and dream-sellers, not investors. So instead of competing with those much cleverer columnists who pontificated knowledgeably about this or that investment opportunity, I kept just one step ahead of my readers by hearing terminology I didn’t understand, getting boffins to explain it to me, and passing along what I’d learned at a rate of about 750 words a week.

Unfortunately none of this knowledge actually stuck, in the sense of me personally doing anything with it. As a result I’m now hurtling inexorably toward 60 – 70 – 80 sans safety net or parachute. The Hubbit is a fair bit older than I am, so when he retired we chose the larger-pension-for-the-rest-of-his-life option, rather than the very much smaller-pension-until-whichever-of-us-lives-longer-snuffs-it option. Not to be ghoulish about it, I’m expecting a decade or so of widowhood (preferably later rather than sooner). I’ve always assumed I’d be the merry sort of widow – like this one:

Seniorin mit Hund am Laptop, auf Wiese liegend

Okay, so she’s not merry, exactly. Poking around Adobe’s stock photos I found lots of beaming bints with gray hair, kicking up their heels or frolicking on the beach. But this is my kind of happy. Dog, laptop, solitude, trees. That’s plenty merry enough for me.

Not like this one…

Homeless elderly woman sleeping rough in a park

If I’m ever homeless, I hope I at least have a dog.

Only … a question that lately has been coming to mind with disconcerting frequency is, “How?”

I’ve reached that life stage where you start reconnecting with all the old farts you went to school or varsity with, way back in the Pleistocene … and they all seem so darn stable. Settled. Secure. A nice house in the suburbs, a holiday cottage here, an overseas trip there. How did they do it?

I seem to have lived my life just outside the masquerade ball. I can hear music and tantalizing scraps of conversations, I can smell food and perfume, I watch the dancers flirt from behind their masks and fans. I think I was invited but … ehhh … my mask makes my nose sweat. If I tried to dance I’d be like a sheep in a tree – baa-aa-aah, two, three, plummet.

Abandoning that strangely mixed metaphor and getting back to my point (I think I have one; I must just keep circling until I close in on it) … it’s clearly too late for me to spend my adult life preparing for old age.

For a while, until a couple months ago, I thought I’d get a job. After all, I’ve spent a lot of years doing a bunch of interesting things – not just journalism and tech writing; I’ve also started and run several businesses, a mission school and a dog rescue, some of which turned out well and taught me all sorts of useful skills. So now that I’m willing to let some plutocrat chain me to a desk for 40 hours a week in return for health insurance and enough money to pay down our mortgage, wouldn’t you think prospective employers would stare in awe at my résumé and exclaim, “Wow – you’re clearly a flexible, innovative problem-solver! We need you on our team right now!

We-e-ell, no. As it happened, their response tended to be more along the lines of “Seriously? WTF is this?” And, even more worrisome, every time someone turned me down I felt quite dizzy with relief that I’d evaded having to sit down at the same desk at the same time surrounded by the same people every day, regardless of whether or not I wanted to.

I’ve pondered getting back into freelance technical writing, but the problem with that is, you have to market yourself. Back in South Africa when I partnered with my bestie, Twiglet, she slapped on face paint, donned a pantsuit with a nice brooch and high heels, and topped it off with an elegant hairstyle, and clients had no difficulty at all taking her seriously. I, on the other hand, with my swirling caftans and my hair falling out of a bun? Not so easy to sell to go-getting executive types. Plus I hate it.

So the fruit of my recent ponderings is as follows.

First, the masquerade ball is almost over. The dancers are getting tired; some have already left. I didn’t want to go when it was in full swing; why would I go now at the draggy tail-end of the party? Baa-aa-aah-plummet – and then what?

Second, I kinda like what the Hubbit and I have managed to pull together in our small corner of the planet. It’s shabby and untidy and a tad heavy on the dog hair, but I’d rather spruce it up (or not) than replace it.

ants and grasshopper

Third, in nearly sixty years of rarely worrying about tomorrow, this grasshopper has never gone hungry. I guess God likes the sound of my fiddling; at any rate, He’s provided for me this far, and I continue to do my grasshopper best to please Him. (I understand the moral of the fable; I’ve just never liked it. Those ants are a miserable, self-righteous, mean-spirited bunch – why would anyone want to be like them?)

So I have decided: enough with the worrying and pondering. Definitely don’t start with the wishing and regretting. I’m grabbing whatever time I have left and doing what I love.

In other words, work on my book continues, y’all! It’s called “A is for Affenpinscher”, and it’s the first in a series of 26, which is enough to keep me busy for a while. This first one is going slower than I like because I’m having to take time to walk in circles and get acquainted with the various characters, and then make notes so I don’t get them mixed up. But it’s moving along quite nicely; I’m having fun with it and look forward to putting it out there.

Speaking of which, two months from today is the annual Pacific Northwest Writers Association conference. The cost of attending is wince-worthy, but it provides an opportunity to meet with 22 – yes, twenty-two, that’s two hands plus two thumbs up – editors and agents, all a-tremble with their eagerness to sign up fresh talent.

In two months I can finish writing the first book in the series, map out the second, and maybe overhaul a completely different manuscript (a YA fantasy) that I set aside years ago when I realized it needed … oh well, I’ll spare you the details, but I have to do a shitload of research in the form of gaming, which scares me a bit because what if I get addicted?

So, anyway, that’s my retirement plan. If you think it’s a little nuts, you’re probably right. On the other hand, look what I found in my fortune cookie tonight!

Fortune cookie

It’s a sign, right?

If you’re a gamer, which game would you recommend for fantasy, quests and magic? And, regardless of whether or not you’re a gamer, how do you plan to spend your declining years?

Going postal

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USPS-Exam-3D-Cover-with-text (2)So it looks as though the US Postal Service has a clever new scheme going: tell people you’re hiring, then when they go to your website to apply, don’t let them do so unless they fork over $29.95, in return for which some helpful people will send you a “well written Guide with NO MEMORIZATION required”, including test-taking strategies and tips from “subject matter experts”.

What’s particularly cool about these people is that they don’t expect you to waste time waiting for snail mail – because, as it’s important to understand if you’re going to apply for a job at the post office, actually physically posting anything is pretty old hat. No one who has a clue does that any more. So they will provide a link to a 98-page PDF document that you can download within three seconds of making payment, and print out using your very own personal printer ink and paper.

Alternatively, for only $10 more you can get essentially the same thing from another source, only what they promise to send is a “Postal Exam Package” containing exam registration materials, “eCareer Profile Creation Tutorials”, a bunch of practice tests, and a “Postal Interview Recommendation”.

It’s not entirely clear how they send this, but to me the word “package” denotes physical substance – something with heft. I imagine brown paper and string, the knots liberally coated with sealing wax … Dang, those were the days! I remember helping my mother make up parcels like that! Sometimes she’d let me hold the stick of sealing wax. I remember the smell of burning string and hot wax, and how quickly the drops of wax hardened, and how satisfying it was to scratch the hard accidental drips off the paper, and how important it was not to put my face so close to the flame that I burned off my eyebrows.

Hand made leather man wallet and  package on wooden background

Searching for this illustration made me feel so old! Everything I found was essentially an artistically staged picture. Take this one – what’s the relevance of the man wallet? I also found a still life in shades of brown, featuring a stamped seal, a watch on a chain and a cigar, arranged like relics of a forgotten era. Also, there are lots of pictures of scrolls, apparently made of papyrus, tied with hemp, and sealed with a perfect dab of red wax. Seriously, Adobe, WTF? Real people living today actually used this stuff, you know – and it had a purpose. It wasn’t just bloody decorative, okay? It was messy and it dripped and blobbed, and if you let your kid do it they probably illustrated the package with artistic extra drips and blobs, but – and this was important – YOU DRIPPED THE WAX ONTO THE KNOT IN THE STRING, okay? It was there to discourage postal workers from opening your parcel, because that was back in the day when it was reasonable to expect the South African Post Office to deliver parcels rather than dumping them in a ditch, losing them, or selling them to the highest bidder. Because, of course, back then we hadn’t invented scissors yet, so sealed and unbroken string was impenetrable.

Well, I digress … A modern parcel would have tape, not string, and it would likely come in one of those standard red, white and blue USPS boxes. Unless they sent it UPS or Fedex, those being the faster and more reliable options since the Pony Express closed down. But either way, there wouldn’t be string.

Sorry, that was another digression, because in fact I resisted the temptation to order a Postal Exam Success Guide. The only reason I was googling post office jobs was a sudden panic over money, for crying out loud! If I was going to spend $39.95 on something, it wouldn’t be on an unartistically presented package, which I wouldn’t receive because we don’t get mail delivery at our house due to an argument over post box location with our local post office about eight years ago, which culminated in the Hubbit declaring his independence from delivery services by renting a PO box (from USPS) instead. (That’s a whole blog post in its own right, but not one I feel like writing today.) Anyway, the $39.95 option didn’t include space for a PO box address, so I couldn’t choose it. As for the other option, the convenience of receiving a PDF document is offset by the fact that I still haven’t figured out how to get our wireless printer to connect to my computer, and I am fundamentally fed up with having to forward every bloody thing to the Hubbit for printing. In any case, if I had random bits of money to be scattering to the four winds I wouldn’t be contemplating a job at the post office, now would I?

Sometimes I feel as though my life is spiraling out of control. There are too many damn buttons to push, and you have to push them in the right order, and … GAH! It’s just too  complicated.

I couldn’t help wondering what my $29.95 would get me – I mean, in the sense of what career opportunities would open up if I accepted their Success Guide. So I went back and took another look at what popped up when I googled USPS jobs, and I realized that the sites I’d found the first time I tried this weren’t actually part of the official US Postal Service. They’re very cleverly dressed up to look that way, complete with bald eagles and flags, but if you click on the actual USPS website you can go straight to the online job application, easy-peasy.

USPS stamps

Turns out they have a new stamp design, called “summer harvest”. Click on the picture on the USPS website, and it’ll take you to a fantastic array of gorgeous stamps. Some of them are so pretty I just want to rush out and … I don’t know … start mailing letters again? Probably not – back in the day (before email) I was notorious for writing long, wonderful, newsy letters, putting them in an envelope, sticking on the prettiest stamps I could find … and then forgetting to put them in the mailbox. Actually physically going to a post office to post a letter was one of those things I invariably put off, so letters would go onto the pile of un-dealt-with paperwork I have kept on every desk I’ve ever owned, and there they would slowly sift to the bottom, to be found years later when I packed up to move house.

So anyway … I looked, and apparently the main post office in our area is looking for rural mail carriers. Only to get hired you have to pass a test, which takes about two hours to complete. I don’t have two hours right now, having already invested a substantial portion of today in writing this post. Also, I really hate writing tests, because failure, rejection, feelings of inferiority – AAHHHHH! I mean, how would I feel if I failed a test that was directed specifically at school leavers and other people with no prior experience, skills or training? Plus, apparently the test includes a section called “Summary of Accomplishments”, and the advice to applicants is  to “write about how your skill set, education and training matches the posting”. Seriously, should someone who can’t mail letters be responsible for delivering same?

Still, I have to admit I’m tempted. The thought of working in a post office, dealing with the Great Unwashed every day, fills me with dismay. Yes, I know, you don’t actually have to be nice to anyone – that’s one of the perks of working for the post office. But … ugh … you’re perpetually at the end of a queue, and every single day is just one piece of mail after another. Could that get monotonous, do you think?

Driving around delivering letters, on the other hand … now that could be fun. Lots of time to think, and – thanks to the invention of GPS – I wouldn’t get lost. Probably wouldn’t. Not very lost, anyway, and probably not permanently. It would be different if they were still using ponies – I like ponies way too much to sit on one – but these days you get to ride around in one of those cute little vans with the driver on the sidewalk side. You know, I can see myself doing that, while simultaneously dictating a Great Work (or, at least, a blog post) into a little hand-held recorder thingummy. I already have one of those. I just need to figure out how it works.

So what’s your dream job? What do you do when you suddenly realize you’re down to your last $50 and there’s still a week to go to the end of the month?