How to manage your money

There are so many people eager to tell us how to do it.

But how many of them are right?

I recently recently reviewed a terrific new book, by a fellow New York writer, Helaine Olen, called “Pound Foolish: The Dark Side of the Personal Finance Industry” for The New York Times; here’s my full review.

She’s largely scathing of the Big Names who make a shitload of money telling us what to do with our own — (my finger slipped and typed “yelling.” That, too!)

English: CNBC’s “Mad Money with Jim Cramer” came to Tulane University’s Freeman School of Business Oct. 19, 2010 to broadcast in front of a live audience as part of the show’s “Back to School Tour.” (Photo credit: Wikipedia)

People like Jim Cramer, Suze Orman and Robert Kiyosaki.

In 2012, I wrote a personal finance column for five months, every week, aimed at Canadian readers. I learned that every personal finance author seems to have a different opinion:

Love ETFs! Hate ETFs! Bank six months’ savings! No, three! Mutual funds are great! No, never!

Personal finance is deeply personal, affected by family, culture, education, understanding, (two very different things!), greed, fear, hope, comfort, wishful thinking. And the larger economy. In the 1980s, I earned 18 percent on my Canada Savings Bonds. Not today!

At 19, I was handling my money alone. Like every other, it’s a skill best acquired through practice. I was living alone, earning income as a freelance writer and photographer, putting myself through university and living on a stipend of $350/month in Toronto, where my rent, for a tiny studio apartment in a lousy neighborhood, was $160 a month. That left me $190/month — or $2,280 for the year for everything else: dentist, haircuts, clothing/shoes, laundry, food, phone, answering service.

Oh, and tuition and books; University of Toronto then (mid-1970s) cost $660 a year.

My parents never helped me out financially — beyond the cost of my small, cheap first wedding. And no chance to go home and live free or cheaply for a while after the age of 19.

Mutual Funds for Dummies … U.S. Funds at War — Too simple? (Monday, June 4, 2012) …item 3.. Music to Help Study and Work – 26:39 minutes … (Photo credit: marsmet545)

Here are some of the many factors affecting our ability to earn, save and invest, in bold:

One reason we’ve been able to save a decent sum for retirement is having no children, an estimated annual cost, per child, of $10,000.

I chose a profession, journalism and publishing, that often pays crap. I did expect to have a steady income, and a staff job making $60-80-100,000 a year throughout my 30s, 40s and beyond. But my first New York magazine job, in 1990, paid $40,000 — $5,000 less than I’d earned at a  Montreal newspaper in 1988.

(Thank God for my pre-nuptial agreement, and alimony, both of which gave me time to get back on my feet and find a well-paid staff job.)

Yet three recessions since 1989 — with 24,000 journalists fired in 2008 — and ongoing upheaval in my industry have put paid to any notion of a steady, high income.

Once you’re earning beyond your basic needs, (and learn to keep your overhead low,) save like crazy and invest thoughtfully to keep your nest egg growing, no matter how slowly or how small.

Luckily, Jose’s staff newspaper job is steady, union-protected and a kind of work that does not damage his health or strength. Unlike many Americans, we’re extremely lucky he has a company pension to look forward to. He has also been responsible enough to make a will and designate me the beneficiary of all savings to protect me financially if he dies before I do. (I did this for him as well.) If you have assets, and dependents, protect them!

Do you play the CPW game? Cost per wearing? Better quality clothes and shoes, even pre-owned and repaired, typically last longer than cheap crap you have to keep replacing. (And earning more money to pay for!)

I bought an apartment in June 1989, a one-bedroom. I’m still here. I certainly didn’t plan that, and fear I’ll never live in a house. I’d kill for a fireplace and backyard! But that real estate decision, (a long term mortgage with a decent rate, and low maintenance costs) allowed me to do good work I enjoy, even freelance, living alone, and allowed me to save 15-20 percent of my income every year, even when it was laughably low.

Read this life-changing book, and decide what is truly worth most to you — owning even more/bigger/newer stuff or enjoying free time. You can’t ever buy more time!

We drive a used, paid-off car, with no plans to replace it any time soon. (See: low overhead.)

Managing your money intelligently and attentively is a wearying life-long game of Whack-a-Mole. Just when you think things are going smoothly, boom! The car or house needs a costly repair or your kid needs braces or you lose your job — or all three happen at once.

Here are a few tradeoffs that work for me:

I don’t write a lot of checks to charity — but donate my time and skills to several volunteer boards and organizations instead.

I chose not to continue my formal education beyond a B.A. — but I attended Canada’s top university and, ongoing, read widely, attend conferences and network assiduously to stay current in my industry. Until or unless I know the ROI on an advanced degree, I won’t assume any educational debt.

We drive a battered old car — but it takes us safely, affordably and comfortably 10 hours north to Canada to visit family and friends.

We live in a smaller space than I’d prefer, with no second bedroom for my office or a bed for guests — but it allows us the extra cash to travel, save and entertain.

Managing your money means making choices, every single day. It means determining what matters most to you, and examining — truthfully — why that choice matters right now more than anything. (Designer labels, a trip to Paris, a new pair of skis, a second bedroom, a fourth child, grad school….)

Do you manage your money well?

Where did you learn those skills?

Personal Finance (Photo credit: 401(K) 2013)

Related articles

• Weekly Personal Finance Blog RoundUp – 1/4/2013 (debtroundup.com)
• How Some Financial Experts May Be Misleading Consumers (money.usnews.com)
• Kids and Allowance: The Debate that Divides Us (business.time.com)
• Stern Advice – What’s wrong with personal finance? (uk.reuters.com)
• Calling All Personal Finance Bloggers (debtroundup.com)
• The Top 5 Personal Finance Books (apartmentguide.com)

Come play!

I was walking through Bryant Park, behind the New York Public Library at 42d and Fifth, on a glorious September afternoon when I saw a table piled high with board games, and a man and woman playing one I’d never seen before — Bananagrams, a word game that requires players to think really fast and make words with their letters. First one done, wins.

English: The game Bananagrams, showing pieces and banana-shaped carrying container. (Photo credit: Wikipedia)

“Can I play, too?” I asked. I hadn’t asked anyone that question in decades. The woman’s job was to wait for people to come along — and play, with her or with others, part of the park’s new initiative to make it even more welcoming.

“Sure. Have you ever played before?”

I hadn’t, but am a fairly decent/quick Scrabble player. Within minutes, we were laughing and hooting and shouting “Dump!” (turning in your letters for new ones) or “Peel!” forcing us to pick up another one.

The winner gets to shout “Bananas!”

I couldn’t remember the last time I’d had such free, spontaneous, joyful and social fun. In New York City, where status and power and owning costly real estate are the usual measures of human value, laughing my ass off with two smart strangers was the best.

It felt so good to be five again!

I love to play. Raised as an only child, trolls and Legos and stuffed animals were usually my companions. In boarding school (from the age of eight), every day and every hour was structured, lived by a schedule.

I love my work as a writer, but every word, literally, is worth money. I’ve bought groceries and gas and rent and clothes and acquired savings for decades — thanks to my ability to conjure up enough words, in the right order for the right people.

To simply play with words is a great luxury!

In my teens, I spent many evenings in front of the fire with my Dad, drinking tea and eating chocolate cookies, whipping one another at Scrabble — unless Jack, the big fat tabby cat, prowled right through the board, scattering our hard-won triumphs.

Scrabble game (Photo credit: jcolman)

My weathered Scrabble board still bears the hand-written notations of my highest score, and my Mom’s — we played for hours while visiting Costa Rica and Fiji. On one of my trips west, to Victoria, B.C., where she now lives in a nursing home, she taught me to play gin rummy.

Before my left hip was destroyed by arthritis-plus-steroids in May 2009 — and has since been replaced — I played co-ed softball most Saturdays in a field near my home; here’s an essay I wrote about it for The New York Times. I plan to be back at it this year.

Our players are people who spend their worklives practicing law and medicine, singing at a synagogue, teaching high school, representing authors. Heavy responsibilities. There is something so deeply restorative in just playing, for its own sweet sake, where all we really need is a triple or a great catch from the outfield.

Jose and I don’t have children, nor any nieces or nephews, so we (sadly) have no chances to play with kids. I really miss that! We often play gin rummy, Scrabble and now, Bananagrams. He plays Tetris on the Iphone while I play Scrabble on the Ipad — cursing the bloody, stubborn algorithm for using words I have never heard of.

Do you play games — with your sweetie or friends or kids or grandkids?

Which ones do you enjoy most and why?

How waving a sword changed my life

English: Marines with Special Marine Ground Task Force demonstrated the Marine Corps Martial Arts Program as well as displayed weaponry in support of Fleet Week 2010. More than 3,000 Marines, Sailors and Coast Guardsmen will be in the area participating in community outreach events and equipment demonstrations. This is the 26th year New York City has hosted the sea services for Fleet Week. (Photo credit: Wikipedia)

When I moved to New York in June 1989, I arrived just in time for the worst, (of two since!), recession in my industry, journalism. I knew not a soul, had no job and had not attended university in the U.S., which, I belatedly realized, makes a huge difference in getting ahead here.

I wanted a fresh, fun challenge unrelated to work, and decided to take up fencing, through night classes offered at New York University. They’d supply the equipment. I just needed to bring energy, commitment and a pair of sneakers.

I’d taken ballet for years, and loved its grace, French terminology and history. But I wanted something ferocious and competitive, not endless plies and tendues going nowhere. Classes were taught by the NYU coach, Steve Mormando, a former Navy guy and two-time Olympian.

It was deeply, quickly humbling, as new muscles announced themselves with aches and pains. I was too slow and clumsy for foil and didn’t like epee. So Steve decided to make a small group of 30-something women into saber fencers, an unheard-of ambition in the early 1990s, when women had yet to compete nationally in that weapon.

I and my team-mates would make history by doing so.

The lessons I learned in the salle have stayed with me, helping me in work and private life. (NB: An epee, foil or saber is actually called a weapon, not a sword. But using the word “weapon” in my headline seemed unwise!)

Here is some of what fencing taught me:

Tenacity

Fencing bouts have only five touches. I was once down 4-0 and once would have simply thought “Fuck it” but Steve taught us that every point is a new bout. I won that bout, which changed how I see life’s possibilities. If I assume I’m defeated, I will be.

Fearlessness

In sabre, the weapon’s style is based on cavalry fighting, with only the body above the hips as target, including the head. Getting hit on the head is always a bit of a shock, even wearing a metal helmet, and I always came home with bruises on my arms and legs. No biggie. If you’re scared to get into the game, how can you compete effectively?

Anticipation

Fencing has been called “chess at the speed of boxing.” Like chess, the sport is very much a mental one, a matching of wits and temperament and the ability to look multiple moves ahead in order to win. This skill is essential to any sort of professional success.

Observation

The only way to win in fencing is to observe each opponent carefully, before and during the bout, in order to pinpoint and penetrate their weaknesses. Everyone has one, and likely several; I once had to fence a much larger man but used my smaller size and greater speed to my advantage.

Persistence

Fencing often hurts and, like many athletes competing in a sport they take seriously, pain becomes a mere distraction. The end goal is to stay focused and win. 

Detachment

Of all the lessons fencing taught me, this was by far the most valuable. I learned to stand back, to wait for an opening, to pull distance, to not react. Becoming emotional  — often a default female choice — is self-indulgent and useless, as anger and frustration simply impede the ability to fight (and win) with a clear head.

Here’s a fun story from The Globe and Mail about a Toronto businessman who fences extremely well with all three weapons.

American designer Vera Wang, best known for her wedding dress business, was a former competitive figure skater and ballet student, both of which shaped her drive as well. She told Allure magazine:

It was my life. I think the training and the discipline, the loneliness — you have to develop a core of strength — helped me in my career. And I danced at the American School of Ballet. That is is intense, intense shit. You know, feet bleeding, Black Swan.

Ralph Dopping, a Toronto designer, blogged about how his sport, martial arts, has shaped his perspective as well.

What does it take to get to the black belt level?

Training.

What else?

Those are just words.

But they convey a mindset toward learning. The martial arts are centered in lifelong learning whether you practice consistently or not. The principles that are taught behind the study of the art is what stays with you.

For life.

What sport or physical activity has shaped you?

Looking up old boyfriends

The holidays are a time of reflection and connection. But it’s also a time, for some of us, of poignant romantic regrets — the email or text ignored, the phone call or letter you never returned, the first date disaster or months of loneliness.

It’s the time many people look into the new year, only a week hence, and think...hmmmm. Some will wonder, still, about the one who got away.

Thanks to social media, it’s far too easy now to find former beaux (and belles.)

But should you?

I recently thought I’d try again to reach out to Big Name Architect — and found him on LinkedIn — a guy I first met when I was 22 and he was 44. Unbenownst to us that day, (both of us then living with others), we both came away smitten. I wrote a story about him and wandered off into the rest of my life. But he had set up an office near my New York home and, once or twice a year when visiting from Canada, would take me out for dinner.

After my husband walked out in 1994, BNA and I, then both single, flung ourselves into a heady affair, the age difference a little daunting, but perhaps worth a shot.

It got messy very quickly as he proposed marriage within only a few months and I was in that particular form of madness of the about-to-be-divorced,

His proposal was flattering, of course, although I was actually still married, barely separated from my husband after seven years. Rebound city.

It got so intense and overwhelming that I turned to my Dad — the same age as BNA — for advice. He agreed that this was not, despite all the surface glamour, a good fit for me. I do poorly with bossy men. He was, (albeit talented and charismatic), quite bossy.

So BNA promptly found and married someone else. When he replied to my recent email, after years of silence when I wrote emails he wouldn’t reply to, he told me triumphantly (?) he’s still married. Our messy ending still rankles him.

Another sweetie re-found me, or vice versa, on Facebook. Then a gorgeous, muscle-bound would-be Olympic rower at UNC Chapel Hill, we met on a student exchange. He wooed me in ways no one ever had — a huge bouquet of red roses delivered to my door, even giving me a lovely antique gold ring with three tiny diamonds. Losing it felt like losing a piece of my heart. He is remarried, as am I. I always wished the best for him and am so glad he is well and happy.

The man I lived with in my 20s reached out to me about a decade ago, apologizing — AA-style — for his transgressions against me. There actually hadn’t been any. They had been mine. But there he was. We broke up when he wanted, more than anything, to get married, to buy a cashmere overcoat and Make Money. All of which, when I was only 25 and desperate for adventure, seemed really boring.

His later life, and divorce, proved far bumpier and challenging than I’d ever imagined. He’s now working as a PI, which is pretty cool. We caught up last year for a long lunch and it was comforting to touch base with someone I liked very much, and loved, but felt fortunate not to have married.

Then, finally, I re-found my first true love on Facebook, whom I met at University of Toronto, when he was editor of the weekly school newspaper and I the eager young journo five years his junior. I’d sought him in vain for years using social media which he wasn’t using.

We, too, had reconnected right after my divorce, as he was coming out of his own first marriage. Neither of us had kids, but both of us were then still too bitter and angry about our spouses’ betrayals to be much use for one another than a fellow bruised survivor to commiserate with. Not terribly sexy, that.

Nor were we any better suited as long term partners than we had been in our college years.

But he’s still a sweetheart, a talented, interesting and creative person, and I look forward to seeing him again soon in Canada, and introducing him to my second husband. His second wife is an academic superstar and he’s now a late-life Dad. Cool!

Here’s a Canadian blogger’s memories of two ex-boyfriends:

I think of him every once in a blue moon, usually when I’m looking at a calendar. JASON. July, August, September, October, November.

Have you re-connected, successfully or otherwise, with a former love?

How did that work out?

How about Plans C, D and E?

University College, south side, University of Toronto….My alma mater, (Victoria College, actually.) (Photo credit: Wikipedia)

I think many of us have a Plan B — or are already living it.

But how many of you have thought far enough ahead about plans C, D and E?

Here’s a recent blog post chosen for Freshly Pressed by a woman who’s 40, in Toronto, the hometown I left in 1986. In it she discusses how it feels to face a life she did not plan for:

Life sure hasn’t gone the way I planned. That’s an understatement. I thought things would be different. As a kid, I used to think that life got easier as you got older. Now here I am pushing 40 and boy was I wrong about that. The older I get, things seem to get more complicated and every decision I have to make feels like the weight of the world.

Being a grown up is hard.

Hell, yes!

I am now at an age that feels absolutely geriatric, 55. Ahead lies a diminishing number of years on this earth, and physical decline. Cool! If I don’t have a few back-up plans (what if I get really sick? what if my husband dies?), I’m toast.

I’m writing this post sitting in a hotel room in Washington, D.C. I came by train from New York on Sunday to compete Monday for a fellowship that, if I win, offers $20,000 for six months to research an issue of interest to me. There are 14 finalists and they’ll pick maybe six.

I have to plan on not winning. Not to be negative, but realistic.

I have so many other ideas I can barely keep track of them all: writing (and I hope selling) two more non-fiction book proposals; three assignments from The New York Times and another which I hope will send me on my next trip; a conference I hope to create next fall; rustling up people to donate their talent for a fund-raiser; planning travel for 2013…

My point is that “planning” your life is truly a fool’s errand, no matter how comforting it appears. You can aim for goals, and likely hit many, if not most. But some you are going to miss.

If you do not grasp this reality, young, you may face a life of tremendous frustration and bitterness.

Some dreams will be snatched out of your grasp. Some people will disappoint you and betray you and lie to you and disappear. Some things are just shitty luck: infertility and/or miscarriage; accidents; disability or chronic illness. You still have to deal!

Here are some of the twists and turns my life took after I chose to leave my hometown of Toronto, age 30:

– Took a newspaper job in Montreal. Hated it! The winter was brutally long, cold and snowy. The crime rate was crazy, and frightening. The paper’s management were…not what I wanted.

– Moved to a small town in New Hampshire to follow the man I planned to marry, an American. I tried harder than I have ever tried in my entire life to make friends, and it proved impossible. He was doing medical training, so he was either gone, exhausted or emotionally withdrawn.

– Moved to New York City to make it as a journalist. I was promised a month’s try-out, paid, at Newsweek International. When I called to confirm my start date (after we had moved to NY and bought an apartment and he had changed training programs) they said “Oh, we have an internal candidate. We don’t need you.” I insisted and still did not get the job.

And that’s only the first five years!

My life since 1989 has included a two-year marriage to the doctor; three recessions, four orthopedic surgeries since 2000, losing a few staff jobs, three days in the hospital with pneumonia, dating a convicted criminal…and writing two terrific books, finding a lovely new husband and enjoying my new left hip.

None of this was planned.

Sure, I had some hopes: good journalism jobs (check); get married (check, check); write a book (check, check). So I’m happy with this. But so many things have blown up in my face, metaphorically speaking, along the way as well.

If you are not ready — emotionally, physically and financially — to adapt to whatever life throws at you, you’ll waste a lot of time when things go south in a fog of cognitive dissonance, moaning “What happened?” instead of packing your parachute.

Here’s a great blog post by a young woman writer whose blog I enjoy, about being prepared and knowing she’s not a victim. It is a choice.

How has your life turned out?

As you’d hoped and expected? Or…?

If one more woman bitches about the size of her body…

What scientists call “Overweight” changes with our knowledge of human health (Photo credit: Wikipedia)

I am going to lose it completely.

Some of you read Kristen Lamb, who writes a blog about writing. It’s extremely popular and usually very helpful. But her latest post was a digression – an extended piece about being a size 10/12 and why she feels fat:

I am healthy, have beautiful skin and hair. I have enough energy to power a small city and am never sick, but I am still a size 10-12 and 170 pounds.

Why is it no one looks like me?

When we look on TV, we are confronted with extremes–super skinny or clinically obese. We are calling anorexics “beautiful” and calling dangerously obese women “curvy.” We are an a country that is dying because of euphemisms. I hear parents call morbidly obese children “husky,” “big-boned” or “muscular.” We have retailers calling anorexics “curvy.”

I get it. I’ve written about this as well.

But, seriously — it is time for women to move on.

Every time a healthy woman feels compelled to discuss the size of her ass or thighs or hips I want to throw a piece of furniture. Yes, being fat is annoying and unhealthy and no one makes pretty clothes for fatties.

I’m overweight, and have been since 2003 when I packed on 23 pounds in one year — the year I wrote my first book, traveling alone around the U.S., interviewing victims of horrific gun violence and crime, and dealing, alone, with my mother’s 3-inch-wide brain tumor and surgery in Vancouver. I was too damn distracted to even notice.

I’ve gained even more since then. Ugh. I’m not thrilled, believe me, to need to lose 40+ pounds. But we need to stop talking about this, and this is why I feel so strongly.

The larger issue here — pun intended — is this:

Whining about weight is the biggest fucking distraction that women indulge in! We have much bigger fish to fry!

Whining about weight is a huge time-suck.

Whining about weight teaches the girls in our lives, who look to us their role models, that this is just what women do, that focusing miserably and endlessly on our individual body size and shape is our most pressing issue as women — instead of political and economic issues that affect us all, size 00s to 24s,  like paid maternity leave or better domestic violence protection or access to birth control and abortion.

Whining about weight ignores and demeans the many incredible gifts we enjoy every single day. We are not living in Syria with government/rebel bombs exploding all around us, for example.

Whining about weight is the ultimate shiny object that women continue to focus their attention on, instead of:

– fighting for social justice, at home and abroad

– running for political office and kicking ass when we win

– creating astonishing works of art

– waking up every single day grateful for their health and strength, the not-so-simple ability to walk and stand and reach for things without pain

– knowing that women all over the world are dying of starvation, malnutrition and in childbirth at 14 or 16 because their young bodies are too weakened to do so healthily

– ditching the people in their lives who shame them by focusing on the size of their ass instead of what matters most, the size of our hearts and brains

– exploring the world, no matter our size, with excitement and anticipation

– thinking, long and hard, about our legacies in this world

There is something ironic to me that Kristen’s blog post includes a photo of herself holding — of all things! — a very large gun. Having written a book about American women and guns, I know this decision isn’t one she made lightly, and showing her readers that she owns a gun takes serious guts. Shooting well also requires tremendous mental and physical control.

So, frankly, I don’t get it. You’re powerful and self-determining, or you’re not. A woman who knows how to handle a gun safely and shoot well is someone I respect; I’ve done a lot of shooting and know the power it conveys.

Labels are also something we generally choose to ignore after leaving the schoolyard, so why are women of all ages so eager to keep self-flagellating about how fat we are (or are not?)

At this point, I’m technically “plus size.”

Why don’t the curvy chicks start calling size 6′s and 00′s minus-size?

Give it up, ladies! This obsession is wasting our talent, energy, excitement and drive.

Give it up today.

Why we write what we write

Sibling! (Photo credit: Gus Dahlberg)

Great post from Romanian writer/blogger Christian Mihai:

A lot of writers out there, if asked, will say that writing isn’t easy. But it’s not because of the rules you have to obey, or the conventions, or the need of a vivid imagination. Writing isn’t easy because you have to relieve the most painful moments of your life, over and over again, and then you have to write them down, hoping that they’ll matter to someone else other than yourself.

I plan to write a second memoir, some day, about my family, as people have urged me to do and as I want to do. But it won’t be easy or simple or fun. I have three half-siblings, one of whom refuses to speak to me and one of whom I’ve never met; the only time we spoke, on the phone from London to Quebec in June 2003, she said “See you at the funeral.”

Like that.

Readers of this blog know I occasionally touch the third rail of true honesty about some of the darker, tougher stuff in my life, like this post about how my mother and I have no relationship anymore, and have not spoken since May 2011. That post has 66 comments, and prompted some of the most honest and compassionate conversation we’ve ever had here.

My mother and I probably won’t ever speak again. I’m her only child. It hurts every single day.

But I don’t write about it, here or elsewhere for a few reasons:

– There’s no solution. She has dementia and is attended to by a woman I loathe who has made sure to paint me as a demon and she as the avenging angel. That script is deeply seductive to my mother.

– She lives a six-hour flight away from me and my limited time and funds for leisure travel don’t make me eager to step back into that minefield. I spent too many miserable years watching her gulp alcohol while I waited for the inevitable shit to hit a very large fan. It did.

– I loathe confessional writing that’s supposed to tug at my heartstrings. I don’t write it and I don’t read it. If I even have heartstrings, they are wrapped in five layers of Kevlar by now.

There is much I will never write about here. One female reader, from Kenya, asked me to write more about my struggles. I wrote her back to ask what she meant, but she never replied to my email.

Frankly, I’m not persuaded that focusing on struggle by writing about it to an audience of strangers accomplishes much. Writing about it can feel whiny and self-indulgent.

Although this writer, (a journalist and Hollywood veteran), who has produced only a few blog posts — each of astonishing emotional clarity — makes me feel differently about this subject:

I don’t know what my boss saw in me but I was relieved some good quality shined through. It was clear on the first day that we had a connection. She had lost her mother recently, and when she asked why I was jobless I said I’d moved home to take care of my mom while she was sick with cancer.

The day my boss hired me, she asked about the type of cancer and my mom’s age, and I told her the story. She was so sympathetic, I had a hard time not crying. Finally a workplace that was sensitive and nurturing, capable of seeing my pain and not finding it a turn off or unattractive.

Suddenly, all the things I didn’t enjoy about working in media and in Hollywood became obvious — the unspoken competitiveness between writers, the constant insecurity that you’re not young enough to be employable, the expectation that you will always be or act happy, the arbitrary way with which your work can be cast aside by a studio exec or an editor after months of toiling. Not knowing why they said no to publishing or producing your writing. It all creates this paranoia and lack of trust that permeates every action.

If you never read Freshly Pressed, you must start! I read it every day and almost always find something astonishingly good there; they’ve really upped their game from a few months ago when all they featured were photo, food and travel blogs.

I know someone, only peripherally, on Facebook, a male writer my age who is suffering — and that is truly the word — from Parkinson’s disease. I have very mixed feelings about the endless medical and emotional detail he spills there. I feel compassion but I also, I admit, feel irritation at so much uninvited intimacy.

That may be my problem, of course.

Here’s a lucid and lovely blog post by novelist Dani Shapiro on the disconnect — and it’s a very real one — between how private many writers really are and how public we must be in order to grow audiences for our work:

What I’m getting at here is the complexity of being a person at once deeply private and shockingly public.  A person who spends days — weeks — speaking as little as possible, a person for whom the word “hermitage” is appealing, and a person who sits in front of an audience, speaking into a microphone, telling stories (jokes, even!) and looking — in fact, being – comfortable.  It’s a split-screen, this writer’s life…It requires a kind of armor…

The absolute vulnerability necessary to write something real, honest, and universal is at odds with the public self.  Yesterday, during my event, there was a woman in the back row (there’s always one) who, every time I looked her way, rolled her eyes.  I mean, really rolled her eyes.  A full eye-roll, heavenward.  Her body language said: I’m not buying it.  It said, I’m bored to tears, when will this be over?  Now, the rest of the audience seemed very engaged, even rapt.  But because I’m a writer––because I am a sensitive creature with less armor than most––and, because in order to give a good talk, I in fact need to be vulnerable, I directed my talk to the eye-roller.  I couldn’t stop thinking about her.  How was I failing?  Where was I going wrong?  Why, oh why, didn’t she like me?  It’s the next day, and I’m thinking about her still.  This is no different from writers who can quote you chapter and verse from their negative reviews, but not a word from the glowing ones.  Or writers who troll their Amazon pages, only stopping to take in the one star reviews.

So what is the armor, then, that allows us to take part in the world around us, a world that will sometimes feel like just too much, a world that might insult us, or hurt us?  For the writer, I think there’s only one answer, and I’m doing it right now.  It’s to return to the solitude

What are you not writing about — and why?

What do you choose to focus your writing or blogging on — and why?

What do we owe one another?

Donations (Photo credit: Matthew Burpee)

In 1984, Canadian writer, academic — and later politician — Michael Ignatieff wrote a book, “The Needs of Strangers”. In it, he says:

“A decent and humane society requires a shared language of the good. The one our society lives by — a language of rights — has no terms for those dimensions of the human good which require acts of virture unspecifiable as a legal or civil obligation.”

In the United States, those who give money to charity, it turns out, are least likely to give it to those most in financial need, writes columnist Eduardo Porter in The New York Times:

Religious organizations receive about one-third of the nation’s total charitable contributions, not including donations to religious hospitals, schools and social charities. Donations to human services charities, by contrast, which work to ease poverty, feed the hungry and the like, amount to less than 12 percent of the total.

It’s a question I ask myself frequently – what, if anything beyond our taxes, do we owe to others in our world, whether that’s in our town, county, province/state, country, hemisphere?

Others’ needs for help are boundless and our individual resources with which to alleviate them — unless we are very wealthy or have no need, ourselves, to earn a living — extremely limited.

In the same edition of the Times containing Porter’s column is the full-page ad announcement of a multi-million gift to a college, bearing, of course, the generous donor’s name.

Asks Porter:

As the government grapples with how to address the nation’s deficits over coming decades, Americans have an opportunity to reassess the role of philanthropy in addressing the nation’s problems. Should we continue to provide lavish tax breaks? Should we demand that in return for preferential tax treatment, programs target more clearly the needs of the poor?

Many Americans might think that keeping tax breaks for donations to build, say, a new university football stadium when so many poor students can barely afford college, is not the best way to spend scarce resources.

Those on the right end of the political spectrum scoff at the notion of handing money to the poor and indigent, arguing that it merely enables them to continue their shiftless, lazy behaviors. Those on the left feel it’s immoral to let needy people starve, suffer and die from restricted or non-existent access to the basics of human dignity: food, shelter, medical care.

Last week my church, a small Episcopal parish in a wealthy town north of New York City, held its annual clothing sale, in which we donate our own clothes and shoes, for adults and children, sell them for low prices, then distribute the money earned to local charities. I worked a few days at the sale, and a few people asked when prices would drop to half-off, when they could better afford a wool hat at $2.50 instead of $5, or a pair of leather shoes for $7 instead of $14.

We raised more than $50,000, far more than if we’d been asked to open our wallets individually.

It’s humbling and sobering to see what sale shoppers need and can afford, and somehow ironic that the sale depends on volunteer labor — all the stay-at-home mothers with high-earning husbands flee at 2pm to pick up their children — and the only people who can offer their time are retired, unemployed or, in my case, who work freelance and may have a flexible schedule.

Those who came to shop included parents buying children’s clothes, teens snapping up fun stuff and a nun in her habit who, after I folded and bagged her sweater, asked with a smile: “Do you do closets?”

For many of us, the world has become a place where we rarely encounter, touch or speak to people whose lives are circumstances are unlike our own, whether richer or poorer. We attend different schools and colleges — if at all — travel by different conveyances, shop in different stores.

The clothing sale brings us together in a week-long fellowship. Like many people in this economy, I’m liquidity-poor, but time-rich.

I also serve on the board of a 30-year-old volunteer group that offers aid to non-fiction writers who have hit a financial crisis. We can mail a check for up to $4,000 within a week of getting an application. Usually, they have suffered the “triple whammy” — they’ve lost work, lost their health and lost the financial support of a spouse or partner.

Every letter we receive is a “there but for the grace of God” experience.

If I didn’t have a generous, loving husband with a steady job and excellent health insurance — which so many people do not — I might be writing one of those letters myself.

Few of us will escape our lives financially unscathed, without a crisis in which we desperately and suddenly need help from people who do not know, or owe, us — a dying parent, an ill child, a lost job (or several), a hurricane or flood — or both.

Poverty, misery and physical devastation are frightening. They smell bad. Storm-ravaged houses, crying children, old people huddled around a trash can fire. No one wants to be that person.

It’s easier to pretend they don’t exist than meet them face to face, seeing in their weary eyes and lined faces the existential terror that, one day, might be ours.

Blaming the poor and indigent is an easy out. There are few quick, simple solutions, as the miserable and angry survivors of Hurricane Sandy are still learning.

What do you think we owe one another?

Are taxes the only way to re-distribute funds from the better-off?

Do you do volunteer work and/or give money to charity?

Why everyone, including very large football players, needs a stuffed animal

I love this story!

Turns out even very large, powerful men appreciate the power of a stuffed animal. This is about the New York Giants football team.

From The New York Times:

Everyone knows about Tom Coughlin’s intensity. Everyone knows about Eli Manning’s arm. But, several Giants players say, a little-known key to the team’s success in recent years stands about two feet high. It is covered in fur, pleasant but not precocious, and goes by the endearingly simple name Little Bear.

Eric Gay/Associated Press

James Brewer, a rookie last season, was Little Bear’s custodian when the Giants won the Super Bowl in Indianapolis.

His value cannot be overstated, they say. Yes, preparation matters to the Giants. So do practice repetitions, strength training and film study. But along with other mainstays, like Manning, one of the few constants in the Giants’ run to two Super Bowl titles in the past five years has been the presence of Little Bear, the offensive line’s prized stuffed animal.

“Let’s be honest,” guard Chris Snee said, gesturing reverently in Little Bear’s direction. “He’s critical to what we do. He’s an inspiration.”

Hell, yeah!

Here’s a photo of my own line-up, who hang out atop the shelf beside my bed, yes, the one I share with my husband.

Left to right, a monkey Jose bought for me, who makes a shrieking monkey noise. The brown bear was a post-surgical gift from Jose. The small white bear I’ve had since I was very small, probably given to me when we lived in England, ages two to five. He’s been all over the world with me, from Ireland to Vegas. The bunny was a gift after one of my four orthopedic surgeries, from Jose. He, too, travels well and is often in my suitcase or carry-on. In the closet, in such tatters I can’t reconstitute him is Bunny, given to me one Easter by my maternal grandmother, who carried me through my roughest moments of childhood into my late 20s.

And here is Jose’s line-up, some less cuddly than others.

Left to right: The lovely wool Arctic hare was a Christmas present to me from Jose, a Canadian icon. The whalebone Inuit sculpture was a gift from me to him; ditto. The wooden walrus, which opens up to offer a hiding spot, was a gift from him to me. The loon, which emits one of my favorite and most Canadian of sounds — a loon call — was bought on one of our many cross-border gift shop stops on a trip north to Canada.

And I’m fine with it.

My husband, Jose, a career news photographer and editor, has photographed war and riots and dead bodies. In my work as a journalist, I’ve seen car windows sheeted with blood, confronted extreme poverty and listened carefully to tales of rape and nightmarish violence.

When I wrote my first book about women and guns, in which I heard extremely upsetting and graphic stories of homicide, suicide and life-altering injury, I ended with up with secondary trauma, a normal consequence of immersing oneself in dark and frightening material, as happens to journalists and photographers. Jose and I each have enough darkness and misery jammed into our heads from decades in news journalism that some friendly, inanimate and portable pals are a very welcome addition to our world.

(And, with no kids or young nieces or nephews, the only way we get near toys is if we buy them ourselves!)

I was in boarding school at eight, and summer camp for eight weeks at the same age. I had no brothers and sisters growing up, so my stuffed animals were often my playmates. I hated dolls — hard, stiff, unyielding — but treasured my cuddly menagerie.

Here’s the small white bear in Banff, Alberta in March 2010, hanging out with his Canadian pals, Mountie bears; the Mounties are the Royal Canadian Mounted Police, our national police force.

Here are some links to lovely stuffed toys for sale:

Here’s a teddy bear.

And another.

And a zebra.

And, from the legendary New York toy store F.A.O. Schwarz, for the child who has seen it all…a woolly mammoth cub.

And, for all you fans of Babar and Celeste, a new stuffed Babar! Babar, created 80 years ago, is an elephant who normally wears a handsome emerald green suit — French, bien sur!

Did you have stuffed animals growing up?

Do you still?

The comfort of community

English: Luncheon of the Boating Party (1881, Pierre-Auguste Renoir) housed in The Phillips Collection in Washington, D.C., United States. (Photo credit: Wikipedia)

This past weekend, shaken by the hurricane and our renewed sense of vulnerability — knowing the next power outage is inevitable — Jose and I instinctively went to be, in person and face to face, hug to reaffirming hug, with two of our long-time communities.

They are certainly distinctly American: softball and church.

I started playing co-ed softball about a decade ago, on a suburban park field in Hastings-on-Hudson, NY, joining a group of men and women, ranging from their 20s to over 70. It was founded by Jon, who then worked for the commuter railroad, and who soon adopted two small children, a Chinese girl and a tow-headed boy named Dakota, who used to sit in their strollers behind the batting cage.

The years since then have been a parade of deepening friendships. When Ed’s Dad died, we drove into the city to attend his wake, much of it in Spanish. When CJ fell and shattered his leg, Marty, an orthopedic surgeon who also plays with us, was able to do a quick, if sobering on-field diagnosis. When I went onto the DL list in November 2009, unable to play for the next three years with a damaged left hip (fully replaced Feb. 6, 2012), I kept coming out for after-game lunches to stay in touch with this group I love so well.

At lunch last week, as one of only two women among 20+ men, I felt — as I always do — completely at home, teasing Sky, the handsome young man sitting to my left who’s become a personal trainer, with his Mom, a newly retired teacher, sitting to my right. We now feel like family, laughing and teasing and hugging. Ed, a tall, thin lawyer my age, has the same last name as Jose, so I call him “el otro Lopez.”

In an era of almost constant job and financial insecurity, some of us shifting careers in our 50s or beyond, having a group of people who love you, sweaty and dirty, injured or healthy, employed or not, is a wonderful thing.

Here’s part of an essay I wrote about them for The New York Times:

One unspoken rule of Softball Lite is that men don’t help the women — who usually make up roughly a third of about 20 players each time — or tell them what to do. We know what to do, and after a few games, our teammates know and trust our skills as well. If we goof up, well, it’s not fatal and we’re quite aware that we goofed. I usually play second base, and I didn’t appreciate one new male player who marked a spot in the dust and told me where to stand.

Off the field, too, we cherish our longstanding ties. When one player had a multiple organ transplant and spent many long months in the hospital, teammates went to visit. (He’s now back to running the bases full tilt.) We’ve attended friends’ parents’ wakes, celebrated their engagements and weddings, applauded their concerts.

And, after every game, a group heads to a cafe where — like some sweaty version of Renoir’s “Luncheon of the Boating Party” — we gather green metal tables in the shade of a spreading tree, with stunning views of the Hudson River, and settle in for lunch.

We’ve watched Jon’s kids grow from toddlers to grade schoolers and cheered when Joe’s author made the best-seller list.

Jobs and homes and friendships have come and gone.

It’s said that diamonds are a girl’s best friend. This dusty little one is mine.

The other place we went back to, after about a six month absence, is our church, St. Barnabas in Irvington, NY

I rarely blog about religion because it can be such a divisive issue; I’m Episcopalian (Anglican) but not super-religious, another reason I don’t blog about it. I began going there in 1998 after I became the unwitting victim of a con artist, a man I dated, a convicted felon whose predatory behavior terrified me.

His ability to so effectively dominate me psychologically proved to me how terribly lonely, isolated and lacking in self-confidence I had become, allowing him access to me, my home and my property. He stole a credit card of mine, forged my signature and committed other crimes — but the police and district attorney were derisive and dismissive, making me feel even more alone and scared.

I needed to repair my fully broken spirit. Two of the women I met my first week at church, Niki and Barbara, married women a bit older than I, are still friends. We’re still in touch, years after they have moved away, with our former minister and one of his assistants.

On our visit back this week, I was worried we might be snubbed for having been away for so long, but people were lovely. One older man, much more hunched over his cane than we had ever seen him, stopped me to say, with joy: “You’re walking so well!” They had seen me suffer 24/7 pain for 3 years with my damaged hip, on crutches for three months to relieve it, seen me through three prior surgeries.

I congratulated one woman on a 60-pound weight loss, saw another get baptized and heard about a friend’s move.

They knew me single, knew me when dating and living with Jose, and know and value us now as a married couple. We were asked to carry the elements — the Communion wine and wafers — down the aisle in their gleaming silver containers, cold to the touch. I feel deeply honored to be, however briefly, a part of the service, and in such an essential way.

Jose and I are not much like our fellow parishioners, many of whom are wealthy and live in large houses, the women staying home to raise multiple children, when we have none. But his parents are decades in their graves; his two sisters live far away and my father is a 10-hour drive north in Canada.

Like all of us, we need to know we are appreciated!

And, while I obviously value on-line connections, I most crave being in a room with people I know.

It is deeply comforting, especially in times of such fear and insecurity, to be known, loved and accepted by community.

Where  — in person — are you finding this sort of community in your life now?