My husband is a great provider for our family. It's a hard way to go about it -- being away from that family more than half the year in one of the hardest professionally skilled jobs on the planet, IMHO -- and sometimes we wonder if it's all really "worth it."
There's not much arguing with the net worth on the balance sheet, though. We may not be together like most couples get to be, but when we are together we get to live and travel and have experiences that a lot of couples only dream about. I mean, Robin Leach isn't going to show up any time soon, but it's a comfort for which I can be only grateful.
One of the greatest things Dan ever did for us financially was to contract with a local firm that manages all of our money matters. Taxes, investments, cash flow, household budget, college savings plan -- you name it, they do it. They set up a trust for all of our assets, and I finally got a power of attorney that makes handling business while Dan is away at sea so much easier.
The best part is that Dan and I can pester our financial consultant and our accountant -- hell, even the secretary there -- as often as we want. They are extremely nice and knowledgeable. And whenever there is an issue, or some sort of hoop jumping that financial matters inevitably require, they and the rest of the team there will do the research and make the calls and fill out the forms.
Oh my God, the forms.
Any and all forms ever sent my way should come with a brown paper lunch bag. Forms make me hyperventilate. I have a bad association with forms when it comes to money and insurance and other Really Important Stuff. Very bad. But the folks at Hantz, along with Titus & Urbanski, just handle it and tell me where to sign.
Spare me any lecturing on how I, especially as a smart and capable woman, should know more about finances and should be able to figure it out myself. I'm scarred, OK? Besides, for good or evil, money is rather important and having experts sort it all out isn't a dumb idea. I take my clothes to a really good tailor, even though I could take three times as long to hem my own pants and probably end up with uneven stitches and a bloody finger. I'll take my money to a really good financial firm, and I won't be the one calling the banks and the brokers and the myriad governmental gatekeepers and waiting on hold until Christ comes again.
Enter Tony the Tax Man, as I call him. T-Bone, as my husband calls him. We met him at a vendor's booth for his firm at our little village's annual summer festival. Dan had been on the hunt for a new CPA to prepare his taxes, which are ridiculous because of his sailing schedule, independent consulting, union, Navy orders, etc., and was considering a financial adviser too since I had quit earning my own paycheck and the whole family's financial stability was now in one basket.
Filed under Small World Wonders, it turned out folks from Tony the Tax Man's firm were the exact same ones who gave a presentation on retirement investments that I had covered for the newspaper. [You can read that little gem here: "Older residents urged to do estate, tax planning for retirement" -- I did not write that boring headline, by the way.]
Dan and I ended up scheduling a meeting with Brian the Brain (a moniker I only now made up but which totally fits), and it was he who had been the first one to ever make any of that 401(k) shit sound sensible to me -- and hopefully to the Silver Sneakers seniors gathered at the YMCA that day as well. A copy of my article was even laminated and among the pile of magazines on the lobby table when we first arrived at the office. Good omen, eh?
So now, Tony the Tax Man prepares our return, Brian the Brain keeps our finances on track, and Kristine the Great (our lovely lawyer queen) helped us prepare all of the documents that say who gets our kids when we die. Now that is one-stop shopping.
But today I'm particularly fond of Tony the Tax Man. A preview ad for HBO's "Silicon Valley" finally made me realize why he looks so familiar; Tony apparently is the stunt double for Zach Woods. A letter from the Ohio Department of Taxation made me realize how very vital Tony is in keeping my hyperventilating feelings at bay.
Good ol' ODT sent both Dan and me an "identity verification" letter stating how very concerned the department was with being responsible to the American taxpayer and doing everything it could to combat fraud. What I read was it wanted me to jump through one more goddamned hoop and had made it cumbersome enough in the hopes that it wouldn't really have to issue us any refund.
At first I played it very cool. I followed the letter's directions, went online to take the ID quiz, and had Dan's letter scanned in and ready to attach to an email that I planned to send to him aboard his ship with this very easygoing and reassuring note that I had successfully passed the quiz and he just needed to do this teensy little thing and everything would be golden.
Instead, I wrote him and cc'd Tony the Tax Man with a record of my failure. I couldn't even get past the log in page. But Dan couldn't either, and I suppose that made me feel a bit less incompetent. We kept getting these errors that we weren't in the Ohio Department of Taxation's system. All I could think was, "Then why the f*ck did you send me this letter?" This is why I hate this stuff so so so much. It never works out.
But Tony eventually got us the answers we needed and set us on the path to passing the quiz. Tony the Tax Tutor.
I highly recommend getting a financial adviser or manager or consultant, even if you think you don't have that many finances to be advised/managed/consulted in the first place. An adviser actually helps you find more money. And if you can, find one that does all these services together, especially if you are ever paying for anyone else to do your taxes. The fee for this particular firm is $100 a month, and that includes our annual tax preparation so really it's only 60 more bucks a month for the year. Money doesn't scare me that much to miss the good deal in all of this. Kristine the Great had her own fees, but if you have people you love and property you want to protect and pass on, you really need the kind of stuff she handles.
Now all that's in my little brown paper bag is a sandwich. Bought and paid for, baby. Pass the mayo.
Friday, February 27, 2015
Wednesday, December 3, 2014
Elf on Shelf Might as Well Be Chucky
 |
| These dolls are essentially the same thing to me. |
I am not a fan of the Elf on the Shelf. I cringe whenever friends post pictures on social media of where the little doll -- of the literary version or some other similar incarnation -- moved upon its own volition throughout their homes.
I am a fan of childhood mystery and magic. I am a fan of holiday tradition. I'm just not a fan of dolls that move. Not since the movie "Child's Play."
More campy than creepy now, that stupid serial killer doll Chucky made me rather anxious in my adolescence. Dolls were my most favorite toy growing up, and several dolls and stuffed animals were still hanging around my room as fond reminders when I first saw the film in the late '80s.
A possessed doll isn't really groundbreaking in the terror genre, but it remains a thread in storytelling because what could possibly be worse than an object intended for joy to turn into something dreadful, particularly when it belongs to a child?
I developed an abject fear of any stuffed thing with eyes and limbs suddenly coming to life at night and hacking me to pieces as I lay in my bed.
I'm sure I've given my sons enough terror in their lives and reasons for therapy. I don't need to add to the mix dolls that apparently got up on their own two legs and climbed up a bookshelf or crept into the cereal box or tangled themselves into a strand of Christmas lights.
Wednesday, November 19, 2014
Cleanup in Aisle 2
Why so long between blog posts? Because Max's toddlerhood is kicking my ass.
So is karma. Remember how I said I'd never let my kids eat something in the grocery store without paying for it? No matter how well I try to adjust my errand schedule around his eating schedule, his tantrum-threatening blood sugar level often demands a tub of miniature peanut butter sandwich cookies.
In the 20 seconds it took me to write this much, Max snatched a votive candle from a drawer and drew wax lines on the bay window. When I let out an audible sigh as I was rubbing the scribbles off with my shirt sleeve, he succinctly said, "Oh, shit." So much for struggling not to swear in front of him.
Back to the grocery store. But not to the grocery store to which we usually go, and where Max usually gets to ride in one of those plastic cars attached to the shopping cart. We recently stopped at a local mom-n-pop to get some of my favorite deli treats.
Max erupted into the worst screaming fit he has ever had in public as soon as we got through the door. It unbelievably increased in intensity when I tried to wrestle him into the child seat of a regular cart. I got frustrated because I had zipped up the lining of his brand new winter parka and couldn't get it off of him so that he didn't have some sort of heat stroke while thrashing around in the cart.
Wait, I have to stop for a minute and tend to his absolute heartbroken sobbing that I won't let him play with my computer mouse.
And now I have to feel bad that when I tried to forcibly lead him away from my desk, he stumbled and fell and sat down hard right on my iPad that he was using to watch PBS. I said out loud, "Oh, shit!"
OK, back to the grocery store tantrum. It was so bad so fast that I just pulled him out of the cart and threw him back in the car before we even made it down one aisle. My superhumanly sweet mother-in-law, visiting from Arizona, was with us, and she generously offered to sit in the car with him while I shopped in peace.
I swear to God, only 83 seconds have passed since I started writing again. I had to stop to pull Max off of the kitchen table. See photographic evidence. And no, he didn't want those boxes of toys. He's looking for my new ceramic wine bottle coaster dish and stopper. He likes to swirl the stopper around in the dish and listen to the clink-clink-clink. I had it on the table only once, for a party on Sunday, but he knows he might score some salt shakers or place mats or something else if he gets up there. He has zero interest in the toys meant for him.
And while writing that paragraph, I had to yell at him for using a similar box of toys as a stepping stool on the bay window bench in an attempt to flip open the safety locks on the side windows that help keep robbers out and children in.
Where the hell was I? Oh yeah, the grocery store. But not the right grocery store. Thank goodness I remembered to leave the car running with the heat on. My mother-in-law would not have complained, but she would have been a tiny little icicle by the time I got my potato salad and sandwich spread. My toddler fell asleep, one whole hour before his usual nap time.
I've left and come back again. Max said he wanted peaches for a snack. While serving him the last container, I realize we have to go to the grocery store and get more.
I don't get to throw a tantrum. I don't get to melt down and have someone feed me and put me down for a nap. I don't have a choice that it's freaking snowing again and I would have to bundle up Max so much that he might not fit in his car seat on our trip to the grocery store.
Max is a smart, sweet, lovey-dovey boy that has a limitless need for my attention and efforts. I do better when I write more, but I haven't had the chance to blog in almost a year. I'm not as good as a mom when I don't process it, and I can process only the reality. My reality seemed too stressful, or it seemed too unseemly to complain or make Max out to be a terrible kid when he's really just a typical 2 1/2-year-old boy.
But there's no explaining to him that I will have more time to give him attention if he would just simply let me have a little time to myself. I end up feeling like I'm at this computer all day because the constant interruptions stretch out the work of five minutes to five hours.
I feel like a failure. I feel like I should be more grateful that he has energy, that he is inquisitive and curious, that he wants my hugs and kisses and tickles and smiles to make everything right in his world.
There, I've said it. I've written it. I feel it sliding off and slipping away from me, returning some buoyancy and confidence to spend the rest of today tending to my toddler's needs.
Which is good timing, because I'm pretty sure he's standing there pooping his pants.
So is karma. Remember how I said I'd never let my kids eat something in the grocery store without paying for it? No matter how well I try to adjust my errand schedule around his eating schedule, his tantrum-threatening blood sugar level often demands a tub of miniature peanut butter sandwich cookies.
In the 20 seconds it took me to write this much, Max snatched a votive candle from a drawer and drew wax lines on the bay window. When I let out an audible sigh as I was rubbing the scribbles off with my shirt sleeve, he succinctly said, "Oh, shit." So much for struggling not to swear in front of him.
Back to the grocery store. But not to the grocery store to which we usually go, and where Max usually gets to ride in one of those plastic cars attached to the shopping cart. We recently stopped at a local mom-n-pop to get some of my favorite deli treats.
Max erupted into the worst screaming fit he has ever had in public as soon as we got through the door. It unbelievably increased in intensity when I tried to wrestle him into the child seat of a regular cart. I got frustrated because I had zipped up the lining of his brand new winter parka and couldn't get it off of him so that he didn't have some sort of heat stroke while thrashing around in the cart.
Wait, I have to stop for a minute and tend to his absolute heartbroken sobbing that I won't let him play with my computer mouse.
And now I have to feel bad that when I tried to forcibly lead him away from my desk, he stumbled and fell and sat down hard right on my iPad that he was using to watch PBS. I said out loud, "Oh, shit!"
OK, back to the grocery store tantrum. It was so bad so fast that I just pulled him out of the cart and threw him back in the car before we even made it down one aisle. My superhumanly sweet mother-in-law, visiting from Arizona, was with us, and she generously offered to sit in the car with him while I shopped in peace.
And while writing that paragraph, I had to yell at him for using a similar box of toys as a stepping stool on the bay window bench in an attempt to flip open the safety locks on the side windows that help keep robbers out and children in.
Where the hell was I? Oh yeah, the grocery store. But not the right grocery store. Thank goodness I remembered to leave the car running with the heat on. My mother-in-law would not have complained, but she would have been a tiny little icicle by the time I got my potato salad and sandwich spread. My toddler fell asleep, one whole hour before his usual nap time.
I've left and come back again. Max said he wanted peaches for a snack. While serving him the last container, I realize we have to go to the grocery store and get more.
I don't get to throw a tantrum. I don't get to melt down and have someone feed me and put me down for a nap. I don't have a choice that it's freaking snowing again and I would have to bundle up Max so much that he might not fit in his car seat on our trip to the grocery store.
Max is a smart, sweet, lovey-dovey boy that has a limitless need for my attention and efforts. I do better when I write more, but I haven't had the chance to blog in almost a year. I'm not as good as a mom when I don't process it, and I can process only the reality. My reality seemed too stressful, or it seemed too unseemly to complain or make Max out to be a terrible kid when he's really just a typical 2 1/2-year-old boy.
But there's no explaining to him that I will have more time to give him attention if he would just simply let me have a little time to myself. I end up feeling like I'm at this computer all day because the constant interruptions stretch out the work of five minutes to five hours.
I feel like a failure. I feel like I should be more grateful that he has energy, that he is inquisitive and curious, that he wants my hugs and kisses and tickles and smiles to make everything right in his world.
There, I've said it. I've written it. I feel it sliding off and slipping away from me, returning some buoyancy and confidence to spend the rest of today tending to my toddler's needs.
Which is good timing, because I'm pretty sure he's standing there pooping his pants.
Tuesday, January 14, 2014
Tower of Babble Babble Babble
Max is 20 months old and on the cusp of a vocabulary explosion. I can feel it. I thought it might be good to record what words he can say now.
This is not bragging. This is me being completely obsessed with language and lists. (OK, maybe a little bragging.)
Of course, only a few of the words below are articulated as clearly as you and I might say them. Max can't really make the "L" sound at the end of "ball," but we all know he is saying "ball" when he is saying "baaa-uh." (The fact that he is usually carrying his big orange bouncy ball is a pretty good clue.)
A few words come out "baaa-uh," but if you listen carefully to inflection you can tell whether he is saying "ball," "bottle" or "block." Other words don't sound anything like the real word -- he says "beeps" for "grapes" -- but we know what he means and that counts as a word in my book. That is what language is for, after all. Communication.
It is hilarious how he says "triangle" and "rectangle." There are at least six extra syllables in there, but he gets an "A" for effort.
Speaking of "A," I'll also note that he is beginning to correctly identify and say some letters and numbers, including: A, B, D, E, O, R, T, 2, 8 and 9.
All of these words for the past several months, and only a few days ago did Max finally call his parents Mama and Dada. His first word ever was "Grandpa," starting out as "Papa" but moving fairly quickly to "Gam-pa." My mother is beside herself that he still hasn't called her "Woo" yet. (That's another story how she got that moniker.) Max learned both "Brother" and "Gabe" (which comes out "Ge-eee") but still no "Woo."
Here's the bragging part. All of the words listed below are what Max says in context or in correct identification. He can speak a lot more words, often just repeating what someone else is saying, but this list is really about what he can say about the things he knows.
Names
Dada
Mama
Brother
Gabe
Grandpa
Baby (any little baby he sees)
Animals
dog
cat
pig
moo moo (for "cow")
bird
duck
horse
mouse
goat
bear
lion
hippo
bug
dinosaur
At the Table
cup
spoon
fork (comes out "bork," too cute)
knife
grapes ("beeps")
cookie
cracker
pouch (those squirty puree things)
bottle
cheese
banana
carrot
peas
corn
cake
Body
hair
ear
eye
nose
teeth
mouth
toe
head
pee pee (fear not, I will teach him anatomical words)
Toys/Characters
ball
block
boat
map (from "Dora the Explorer")
backpack (ditto)
Thomas (as in the Tank Engine)
Blue's Clues
Bot (from "Team Umizoomi")
Elmo
Bubble Guppies (he hits all of the syllables, but not exactly in the right order)
Bubble Puppy ("Bup Pup")
SpongeBob ("Bob Bob" -- and thanks, Gabe, for the early exposure)
His World
car
truck
crane
choo choo (for "train")
book
bath
sock
shoe
hat
tissue (one of my favorites, and one of his most clearly articulated)
bubble
balloon
pumpkin
toothbrush (this one comes and goes, it was one of his first words, but he doesn't say it much now)
light
door
bink ("pacifier")
snow
sky
moon
sun
star (in the astronomical and geometrical sense)
triangle
rectangle
oval
circle
box
Colors
blue
green
purple
orange
black
pink
red
Other
bye bye
hi
hello
go
uh-oh
no
thank you
don't
all done
up
down
big
small
apart
together
pop
pat
back
cold
hot
march
amen (although I think even at church he thinks we're all saying "Oh, man!" like Swiper the Fox on "Dora")
And then one of my favorite things he says, in a way, is the fake snore for "sleep." "Acgghh-shooo, acgghh-shoo, acgghh-shoo ..."
This is not bragging. This is me being completely obsessed with language and lists. (OK, maybe a little bragging.)
Of course, only a few of the words below are articulated as clearly as you and I might say them. Max can't really make the "L" sound at the end of "ball," but we all know he is saying "ball" when he is saying "baaa-uh." (The fact that he is usually carrying his big orange bouncy ball is a pretty good clue.)
A few words come out "baaa-uh," but if you listen carefully to inflection you can tell whether he is saying "ball," "bottle" or "block." Other words don't sound anything like the real word -- he says "beeps" for "grapes" -- but we know what he means and that counts as a word in my book. That is what language is for, after all. Communication.
It is hilarious how he says "triangle" and "rectangle." There are at least six extra syllables in there, but he gets an "A" for effort.
Speaking of "A," I'll also note that he is beginning to correctly identify and say some letters and numbers, including: A, B, D, E, O, R, T, 2, 8 and 9.
All of these words for the past several months, and only a few days ago did Max finally call his parents Mama and Dada. His first word ever was "Grandpa," starting out as "Papa" but moving fairly quickly to "Gam-pa." My mother is beside herself that he still hasn't called her "Woo" yet. (That's another story how she got that moniker.) Max learned both "Brother" and "Gabe" (which comes out "Ge-eee") but still no "Woo."
Here's the bragging part. All of the words listed below are what Max says in context or in correct identification. He can speak a lot more words, often just repeating what someone else is saying, but this list is really about what he can say about the things he knows.
Names
Dada
Mama
Brother
Gabe
Grandpa
Baby (any little baby he sees)
Animals
dog
cat
pig
moo moo (for "cow")
bird
duck
horse
mouse
goat
bear
lion
hippo
bug
dinosaur
At the Table
cup
spoon
fork (comes out "bork," too cute)
knife
grapes ("beeps")
cookie
cracker
pouch (those squirty puree things)
bottle
cheese
banana
carrot
peas
corn
cake
Body
hair
ear
eye
nose
teeth
mouth
toe
head
pee pee (fear not, I will teach him anatomical words)
Toys/Characters
ball
block
boat
map (from "Dora the Explorer")
backpack (ditto)
Thomas (as in the Tank Engine)
Blue's Clues
Bot (from "Team Umizoomi")
Elmo
Bubble Guppies (he hits all of the syllables, but not exactly in the right order)
Bubble Puppy ("Bup Pup")
SpongeBob ("Bob Bob" -- and thanks, Gabe, for the early exposure)
His World
car
truck
crane
choo choo (for "train")
book
bath
sock
shoe
hat
tissue (one of my favorites, and one of his most clearly articulated)
bubble
balloon
pumpkin
toothbrush (this one comes and goes, it was one of his first words, but he doesn't say it much now)
light
door
bink ("pacifier")
snow
sky
moon
sun
star (in the astronomical and geometrical sense)
triangle
rectangle
oval
circle
box
Colors
blue
green
purple
orange
black
pink
red
Other
bye bye
hi
hello
go
uh-oh
no
thank you
don't
all done
up
down
big
small
apart
together
pop
pat
back
cold
hot
march
amen (although I think even at church he thinks we're all saying "Oh, man!" like Swiper the Fox on "Dora")
And then one of my favorite things he says, in a way, is the fake snore for "sleep." "Acgghh-shooo, acgghh-shoo, acgghh-shoo ..."
Friday, November 29, 2013
The Sound of Music
"The Sound of Music" is kind of sacred cow in our house, but one of Max's favorite lullabies is one that I wrote to the tune of "Edelweiss."
You may remember that I do this a lot. I composed a new version of "I See the Moon" to connect our baby to his daddy when he is out to sea, coming up with it long before I was even pregnant. When Max turned into such a nursing fanatic, I was moved to write "No Sleep till Boobie," an homage to the Beastie Boys.
This new one gives a shout-out to all of the folks who love him. We call Gabe "Brother" a lot, Woo is my mother, and Poppy is Dan's mother's beloved. I have to be careful to sing this when Max is really tired. He loves to say "Grandpa" and will pull out his pacifier and say, "Paaaaaa," waiting for me to repeat the verses so he can do it again.
Maybe I write these lullabies just because I can't remember the real lyrics to anything. But I like to think it's something clever and sweet. Hopefully, personalized songs will make Max remember that his mother really could be kind to him when every other thing about trying to get him to sleep sucks donkey balls.
And so, here's our lovely rocking chair song, "Baby Boy" (imagine Christopher Plummer crooning it, drawing out all of the vowel sounds):
"Baby Boy"
Baby boy, baby boy
Boy, does your mommy love you
Baby boy, baby boy
Boy, your daddy loves you too
Grandma, Poppy
Your aunts and uncles
Brother, Woo and Grandpa
Baby boy, baby boy
Boy, your family loves you
You may remember that I do this a lot. I composed a new version of "I See the Moon" to connect our baby to his daddy when he is out to sea, coming up with it long before I was even pregnant. When Max turned into such a nursing fanatic, I was moved to write "No Sleep till Boobie," an homage to the Beastie Boys.
This new one gives a shout-out to all of the folks who love him. We call Gabe "Brother" a lot, Woo is my mother, and Poppy is Dan's mother's beloved. I have to be careful to sing this when Max is really tired. He loves to say "Grandpa" and will pull out his pacifier and say, "Paaaaaa," waiting for me to repeat the verses so he can do it again.
Maybe I write these lullabies just because I can't remember the real lyrics to anything. But I like to think it's something clever and sweet. Hopefully, personalized songs will make Max remember that his mother really could be kind to him when every other thing about trying to get him to sleep sucks donkey balls.
And so, here's our lovely rocking chair song, "Baby Boy" (imagine Christopher Plummer crooning it, drawing out all of the vowel sounds):
"Baby Boy"
Baby boy, baby boy
Boy, does your mommy love you
Baby boy, baby boy
Boy, your daddy loves you too
Grandma, Poppy
Your aunts and uncles
Brother, Woo and Grandpa
Baby boy, baby boy
Boy, your family loves you
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