Wednesday, August 31, 2011

Want some Inspiration?

Speaking of zones, which I was writing about this morning. The fact that I mentioned the exercise that I was neglecting was enough to inspire me to throw on a pair of shorts (the kind that make you feel like a pro), my favorite exercise hat, and my vibrams (that also make me feel like a pro), grab the stroller (I realized that the baby is just too big now for the baby bjorn. Actually she fits in it just fine, but it's killing my back. Baby's gotta grow up I guess), the leash, the baby, and the beast and briskly walk out the door.

We took a nice 30-minute walk together. Mind you, it was a walk, not a run. A couple of years ago I would have thought this was a little wimpy, especially since I have a kick-ass running stroller, but sometimes it's about baby steps. I knew it was too hot for the dog for a run, and usually that would be my excuse to sit on my duff and do other things. Really I didn't feel much like running either, but I did want the satisfaction of doing something healthy for me and fun for the baby. So a walk, it was. 


Speaking of getting off your duff...
A huge source of inspiration for me is this blog here . I just LOVE the DIRT DIVA. Whenever I feel a little down or lazy, I go to her site and read things like this: 

I finished in 8:19 didn't think I could be so slow running a 50k but after falling and having run a hundred miler the week before I was happy I made it. 

She is just so cool. 


Journal Entry June 23, 2003

After five days of living in Italy.

"Man, my Italian sucks".

June 30, 2003.

"I can't believe I'm not fluent yet."

Wow. What the hell was I expecting?? Makes me laugh now, as 8 years have passed and I'm STILL not perfect (WTF??)... haha.


Dividing work into weekly Zones

I know I keep talking about my new flylady keep-my-house tidy challenge, but I just have to tell you how I am applying it to work.

The saying is that your mess didn't get made in one day, so you shouldn't try to solve it overnight. Instead, concentrate on a different zone per week and do a little something every day starting from the top of the room to the bottom. Last week was the Master bedroom. Having a week to get a room in order is a hell of a lot less pressure than trying to do it in a couple of hours because you have company coming. And, it is much easier to keep it nice if you're working on it in 15-minute intervals on other days.

I decided to apply this to my work. Two weeks ago I spent the week making plans for my volunteers--each day I spent some time working with two other volunteers to create a manual that new trainees can consult when they have questions, etc. As we are only just starting to work outside of the panic zone, creating a document that can help us give more thorough training to our SVs (Sweet Volunteers) and provide a little reference feels really good. It is such a relief to plan for the future rather than constantly put out fires.

Last week was Intensive course planning. I spent some time each day scheduling, planning, and putting together a plan of attack for getting the word out, etc.

This week I am working on my contacts and fundraising. This means updating my mailing lists and getting my old contacts in one place. It's amazing how going through old weekly planners and putting those little notes and phone numbers onto an excel sheet can bring back the memories! I'm going to be doing some contact and friendship maintenance soon. There are some people I've worked with over the years that I would like to catch up with.

Next week I will go back to BUSY but at least I will have gotten my house in order and gotten a little internal organization going on.

My next step is to get back to exercise, which I have been neglecting like crazy over the last few months. Maybe that will be next week's zone.

Monday, August 29, 2011

Can I judge??

I don't know if you read this yesterday but it made me think. Ok. Look at the picture. Nice couple, very cute baby. They want to buy an apartment in Manhattan for $749,000. They want to borrow $722,000. They want to do this before the mortgage limit goes down to $625,500 in October. 

Um. Excuse me? Did I read this right?? A $27,000 down payment for a $750,000 apartment? And I am supposed to feel SORRY for these people??  Now, if they were in Trieste, and, for heaven's sake don't try to find a nifty loft like that in Trieste, because you'll never find one (although for $750,000 you could find a pretty kick-ass apartment in a historic building, or, gosh, maybe you could buy the whole damn building!) the bank would LAUGH them back out onto the street.

They would say-- WHERE IS YOUR 20% DOWNPAYMENT? That would be $150,000.

I'm sorry, New Yorkers! I don't want to be be mean, but, on the other hand, what if no one could buy apartments because of this problem? Would that housing market eventually give itself a badly needed bitchslap? You tell me...

Thinking for the next day

That's my nugget of good living for today. You can really cut down on the good morning panic attacks just by thinking about the day ahead. Here are some things to consider that I have gleened off of the flylady site. I am trying to think about them throughout the day so I am ready for today and tomorrow.

1. Where are your keys? (Since I can't get them surgically attached for a decent price)
2. What's for dinner? (I must go out and get something green! I have not done any real shopping since we got back from our trip. We are eating hurricane food and there was no hurricane around here!)
3. Set your clothes out for tomorrow. (If I wet and flick my new no-iron shirt today, tomorrow it should be ready to make me look like a million euros!)
4. Look at your calendar (It sounds obvious, but sometimes I don't and get into trouble!)

Take that, put it in your bubble gum pipe, and chew it, people. I hope it helps!

Thursday, August 25, 2011

Don't worry about me, I'm just busy changing my life

It happens every time we come back from a good vacation. We decide to change our lives forever. Sweetie decided we should experience our city more. That means going to events around town and taking part in community life. It also means reading the newspaper, since that is where activities are listed.

I decided we needed to create a routine so that the house is always ready for company. As you know from older posts, I am following the flylady.net program, which is intense, but in a good way. She reminds you to do things you never dreamed people did (cleaning doorknobs and light switches, for example) and I like how tasks are simplified into 15-minute blocks of time. Each week you concentrate on a certain Zone. We are now in zone 4: the Master bedroom, our Disaster site. Since Monday I have done something every day to clean it up and de-clutter and am already seeing a difference. By tomorrow I will have finished the major purging and cleaning and be able to maintain it without too much hassle. 

I never thought it would be possible to create a permanently decent sleeping space, plus I never cared that much, since I knew I could just shut the door and forget about it when people were over. But inside I have always longed to have a nice-looking bedroom with a made bed and a tidy floor and no piles of clean and dirty clothes mixed up in various piles. Sigh! I can't believe how gross I live. It's GOT to stop!

By the way, I feel like HUH DUH!! Why didn't I think of this myself?? I say this every time I learn a new trick to help stay organized. But then I remember that Some of us need a Little Extra Explanation when it comes to these things, while others are just naturally organized (I hate those people, no I don't, I love them, no, I hate them). I guess that is how it works. 

I have been doing other things this week besides transforming myself into an organizational goddess. I have also been waking up at all hours with my nine-month old mini goddess, who is suffering from heat (Trieste is front and center of an interminable heat wave right now and we don't even have a fan!) and jet-lag. 

I have about 30 minutes of autonomy before she wakes up to face her fragmented day. I've got work to do. 

Monday, August 22, 2011

Best thing about America?

RUMMAGE SALES!

I just got back from my trip home visiting family and friends and here are the books I picked up.

BEARDSTOWN LADIES' COMMON-SENSE INVESTMENT GUIDE*
AMISH SOCIETY by John A. Hostetler
BE THE PACK LEADER by Cesar Millan

I think these books sum up about where I am right now. I visited my friend Noel whose neighbors are Amish the other week, so we went down to their house to buy some candles, Boo Boo cream and produce. While I was there I got so interested in their way of life that I was tickled when I found a whole big book on them when I got home! The Pack leader thing, well, I figure, if it works for dogs, it probably works for people too...

More soon!

*For all the haters, even if they goofed up their math, the Beardstown Ladies still rock. The scandal may be the reason I got the book so cheap. Besides, I like their ideas. Education first, Fun second, creating wealth third.


Even Warren B is tired of being treated like he's special

I hope you read this while I was away!

Sunday, August 14, 2011

Gone Fishin'

I'm in Wisconsin taking a break. I will be back soon. I promise! VIVA L'AMERICA!!!

Thursday, August 4, 2011

Millionaires doing the right thing

I was just watching the news on France 24 and I saw these links about millionaires signing petitions for higher taxes. You go millionaires!!



Interesting, though, that I had to catch this on the French news. On the front page of the NYTimes today? 

Even Marked Up, Luxury Goods Fly Off Shelves

No wonder there's this idea that rich people are jerks. I am not convinced it's the rich people buying all that crap, though... 

Anyway, keep in mind that once you create wealth, you can decide what kind of rich person you want to be.  



Wednesday, August 3, 2011

Financial Flashcards

I got the brilliant idea to study my way to financial savvy the same why I tell my students to study for the TOEFFL exam: FLASH CARDS!!

This is my source for definitions. Here are my words for today: 

MUTUAL FUND: An investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. Mutual funds are operated by money managers, who invest the fund's capital and attempt to produce capital gains and income for the fund's investors. A mutual fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus. 

NO-LOAD FUND: A mutual fund in which shares are sold without a commission or sales charge. The reason for this is that the shares are distributed directly by the investment company, instead of going through a secondary party. This is the opposite of a load fund, which charges a commission at the time of  the fund's purchase, at the time of its sale, or as a "level-load" for as long as the investor holds the fund. 

LIPSTICK EFFECT: A theory that states that during periods of recession or economic downturn, consumers will eschew purchases of big-ticket luxury items and seek material solace in smaller indulgences, such as premium lipstick. 

Also known as the "leading lipstick indicator".

RETURN ON INVESTMENT (ROI)A performance measure used to evaluate the efficiency of an investment or to compare the efficiency of a number of different investments. To calculate ROI, the benefit (return) of an investment is divided by the cost of the investment; the result is expressed as a percentage or a ratio. 

The return on investment formula:


Return On Investment (ROI)

In the above formula "gains from investment", refers to the proceeds obtained from selling the investment of interest.  Return on investment is a very popular metric because of its versatility and simplicity. That is, if an investment does not have a positive ROI, or if there are other opportunities with a higher ROI, then the investment should be not be undertaken.

*********************************************************************

Ok. That's enough for now. That last one made my head spin, and it's going to take me a while to write all that on a flashcard...



Tuesday, August 2, 2011

Learning to crawl takes time

You always hear about little people learning how to walk, but never learning how to crawl.

After that last post I decided to take a little walk with the dog and the baby.

Remember when I told you about how she was learning to crawl next to me that time?

Well, fast forward a couple of weeks and guess what. She is still learning to crawl. Sometimes she goes backwards, sometimes she gets a leg caught under the couch, sometimes she falls flat on her face. But she's still trying. She's careful. She wobbles. She sees a toy she wants and she gets close enough to grab it and sits back on her tush. I wonder sometimes if she'll ever do it. Then I look down and she's accross the room, still wobbling, still unsure, but THERE instead of HERE.

Learning to crawl takes a long time and it's hard work.

I Just realized I don't know what the hell I'm talking about

I started this blog to force myself into learning more about personal finance, leadership and management. Writing is a way of holding myself accountable. So far I have been getting inspiration from the books I was reading. But, sadly, I finished my last library book yesterday (I lie, I have Jane Eyre on my bedside table, and that could give me something to write about, but not yet) so I had to find some new fodder today. Of course my favorite place to look is in the blogosphere. There were some pretty interesting blogs on personal finance (see my favorites in the side bar under Blogs I love) but I think I O.D.ed a abit. Now I can't think of a thing to write about. Reading about others' journies, instead of helping me, made me feel small and dopey.

But then I remembered that the learning process is like that. You start out not knowing anything, then you realize you don't know anything, then you start learning but you don't realize it, and then at some point BAM, you know something and you know it. Barbara Stanny has a whole chapter on this in Prince Charming isn't Coming.

Well, I'm at the DAMN-I-DON'T-KNOW-ANYTHING stage, ready for a Crisis. This happens to my students all the time. I reassure them. It's all part of the learning process and it's cyclical. Just when you start to realize you know something, it all starts over again. Only the crisis doesn't last as long the second time around.

But it stinks being an adult because we are no longer used to going outside the comfort zone. We hate feeling stupid, we don't want to make mistakes in front of other people. But I guess we have to if we want to go to the next level.

So be it.

Find your Messy Corner and stop being a weeny!

One by one I am trying to plow through the things I don't like to do. As they say, actually I have been reading it everywhere lately, the difference between successful people and unsuccessful people is that successful people do what others don't like to do.

So I am choosing the messiest part of my house (starting with the kitchen sink, like Fly Lady says) and my psyche, and am making a commitment to spend a little time working on them each day.

Today's messy bit of the psyche is called relationship maintenance. I let too much time pass before I get in touch with people I care about, making me look like a passive weeny. I am always happy once I do get in touch or have a nice conversation, I am just lazy about doing it for some reason.

For the record, you can be a passive weeny with me and I will always forgive you, but I will try to cultivate our friendship a little more actively.

Starting now.

Monday, August 1, 2011

Getting my day in order

I told you about Fly Lady dot net yesterday. Well, I did step one kept my sink shining and today I got up and got dressed head to toe first thing, which was step two. Even gave my nail polish a touch-up.

Now I have to get ready to go to the dentist to finish up my work from last week and get a cleaning.

Yesterday's finish-up-what's-in-the-house supper was a success. I took the beans, petrified carrots, onion, and taters and threw them in a pot for a couple of hours, then took out enough for dinner, puréed it and threw in some curry and cream (naughty naughty!) and it was awesome. I took another bowl of it and threw it in the freezer for a rainy day and the rest I split up for our lunches today. Today's version looks more like stew. I love making soup, the next day you feel so skinny.

I forgot to do something with that ground beef, though. Will think of something today that can be tomorrow's lunch since we're going out with friends tonight for chinese. There's not much going on in Trieste as far as ethnic food but there is one (of many) Chinese restaurants that is really good. I've already got steammed dumplings on the brain.

This not going to the store all week trick  is not as easy as it sounds. I'm used to stopping at the grocery store to pick up a couple of things as a motivator to take the dog out, because I feel more productive if I'm doing two things at once. Now I am going to have to embrace the walking for walking's sake concept. When you start making a habit of NOT spending money, grocery shopping sometimes masquerades as necessity. It's the one place you can actually justify spending money and, I must admit, spending money does feel good sometimes. Of course what I buy doesn't matter, it's the thrill of buying something. This is a good exercise to get over that.

Which sounds extreme, but what if shopping were just about getting what you needed and NOT about getting some other kind of thrill?

I would certainly be richer if this were the case.

I decided to up my EARNING ceiling

I think an extra 500 billion will do. I just felt a little too limited before.

Soup! I can't believe I hadn't thought of that!

Thanks, Laura!

Ever try FINISHING all that food you have in your house?

That's what I am doing this week. Since we are leaving for a two-week Stateside vacation on Friday, I have decided not to buy any groceries at all this week. Not even as an excuse to spend money. Nope. I am making do!

Here's what I have left in my fridge besides condiments (ran out of peanut butter today, so it's definitely time for a trip to Wisconsin).

Yogurt (baby will eat that nasty stuff), some petrified carrots, half an onion, boxed wine (I use it for cooking, I swear), milk.

In my freezer there is some miscellaneous meat including ground beef.

In my food pantry there is; coffee, pasta, jelly, and tea, and some baby food (for when I'm lazy or when I'm trying to eat all the food in the house). Magic ingredient. POTATOES!!

In my cupboard there is some flour, crackers, melba toast.

Here's what's on the menu for tonight. Gnocchi (note to self: google the recipe for gnocchi without egg), meat sauce (Hmm. No tomato sauce, must make the white kind). This should give us enough food for tonight and lunch tomorrow. For tomorrow night I will have to get creative. I think I saw a bag of dry navy beans. What can I do with those? I have until tomorrow to think about it.

Finishing what you've got forces you to be creative. Try it!

What we can look forward to!!!

Love THIS.

I Heart Fly Lady dot Net

Oh I'm totally going to do this! I already did step one. I think I am on my way to eliminating chaos in my life. Do you know Fly Lady? Marina turned me on to her. With little baby steps  she will help you de-clutter your life.

And my life has a lot of clutter. Let me tell you.

Step one is to shine your sink. It's like giving yourself a little hug. Try it. Actually, it forces you to get rid of all the crap that is in it and empty the dishwasher so you can put that crap that was in it, in it. 


Brilliant!

The road to financial independence is paved with HONESTY

This is what we use  to track EVERY GOSH DERN PENNY that enters and exits this house, physically or virtually, EVERY MONTH. This excel has been with us for the last three years. Writing down everything we spend was the first phase of our little project to see where our money was going and  to find out if it was really possible to live off one salary (while socking the other one away in savings). It was not possible, but we did come close by cutting a lot of the eating out column (beer was also included in that column, much cheaper to have happy hour at home!). Note: this sheet even counts coffee out of the machine and gelatos. No expense is too small to record. It may seem a little much, but if you want to do big things, you have to be drastic.

As you can see, the last column is what is left over at the end of the month. Sometimes it's in the negative (like when I have to pay my taxes) but it all averages out as the months go on.

It is a great way to be accountable for what you spend. I do not have a fancy cell phone (I lust for one. I am not made of stone, people!) but every time I look at this and see there's some money in the savings column, it reminds me of the big picture.

There's no better way to be honest with yourself and with your partner, than coming to terms with where that money is going (hopefully into your orange account, or, preferably somewhere you can get a little more interest).

You'll notice we do not have any credit card debt on this sheet. When I moved to Italy, I said good-bye to credit cards for good (paid them off with the money I got from selling my car). I paid off my student loans as fast as I could and now the only debt we have is our house (eight more years on our mortgage and that will be gone too). As a rule, we live simply and pay with what we've got.

ps I took out the numbers but I left in the comments just to show how we remember what we spent money on. We like to look back at last year at the same time and remember what we were up to. It also helps if you're looking to change phone companies, etc.

Opening a Business was not Courage but Survival

I know it's not nice, but I think it's time to de-bunk a few myths about women and work in Italy. I am speaking here from my own experience, of course. These are the factors that contributed to my opening my own business.

1. If you are freshly out of university, you have a chance of getting a job with a decent contract which could turn into a lifetime contract later. The general (un-written, but certainly talked about) rule is that the employer must have the idea that you will work at least 10 years before making babies (not kidding).
2. Most of the women I know have Co.Co.Pro contracts, which means they do NOT have those fancy benefits that we Americans drool over, like lots of vacation, maternity leave, etc. The more education they have the more this is the case. This is a contract with minimum tax contributions by the employer and a very clear expiration date.
3. Almost all of the men I know here have the lifetime contract (with all the goodies). Level of education does not matter.
4. If a woman has the contract mentioned in point two, she should expect it not to be renewed once she has announced a pregnancy (it's not legal, but there are lots of other reasons why your work is sub-par).
5. Myth 1: Women in the workforce are "baby-makers" who want to take advantage of the system. Women take jobs so that they can get paid for leaving for an extended period (while getting paid!!) once they get pregnant. This belief is held by men, but also by many women.
6. Myth 2: Once a woman has a baby, all she can think of is having another one, so it's best to give her a job with less responsiblity. (I only know men with this idea, and it happens all the time. A woman comes back after maternity leave, sometimes even after a minimal time away, and her job description has completely changed, her office is down in the basement without windows, etc. Let's punish her!! )

Other considerations:

If you find yourself without a job and you are in that magic window of about 30-45 years of age, it is VERY difficult to find a job. You cost too much and are high risk (it's that uterus thing!).

If you do free-lance jobs (as many teachers and translators do) you can only earn up to 5,000 euros gross without a contract.

I decided to open my own business when my last contract was not renewed (see point 2. I have never been offered any other type of contract while in Italy). I knew it was my only real possibility for moving forward. I decided that I was done having a "boss," especially a sexist one who routinely talked about women as being "Ok except when it's that time of the month" (while the other women giggled on in knowing agreement).

By the way, I am a foreigner, so I can talk about these things openly with people, especially men who hold some of the wackiest beliefs I have heard about women. I have point blank asked managers about their hiring practices. One told me he ONLY hires women from 20-22 years old. Otherwise they "leave you (to have babies) before the honeymoon is over."

At my first job interview in Italy, I was asked about my "family plans" as if they were more important than my qualifications!

What the big boys don't seem to understand:

1. How many smart women decide to open their own businesses and have a child-friendly workplace.
2. That female employees, when treated like human beings, tend to have shorter maternity leaves.
3. Maternity is a permanent situation, but leaves are temporary. Get over it!
4. Women are multi-taskers. They can be moms and ALSO think about work.
5. Italy has one of the lowest birth rates in the World.

So, for  lots of these kinds of reasons, I opened my little business. I got pregnant while I was independent, by the way. I worked up to a week after my due date (a week before the birth) and two weeks after the baby was born (I taught with her in a marsupial. My students didn't seem to mind).

Before opening my business, I was always a little worried (even though I wanted to start a family) about getting pregnant while I was working for other people for fear of what they (the MEN) would think of me. Now I think that is crazy.

Sure, I have not yet reached anything near my earning potential since I went independent (and I pay GOBS of taxes, which half what I earn anyway), but I negotiate my own terms and have higher status (Interesting: free-lance with a tax number, a libero professionista, has a much higher prestige than an employee who may make 10 times more money. It doesn't bring home the bacon, I realize, but it's better than feeling like a peon).

That, and, I only work with people I like. Period.

PS. Most men and women I know  are NOT jerks. They are hard-working and NOT sexist. But all it takes is a couple of sillies in positions of power and we have a problem...