Why we’re all so weird about money

By Caitlin Kelly

IMG_20171007_114548325

Few issues are as fraught with emotion as how we get, spend, save or give away our money.

If you don’t have enough to survive, every day becomes an emotionally and physically exhausting battle.

And when you live in a country devoted to bare-knuckled capitalism like the United States, if you don’t have enough, the social safety net is weak and thin.

The federal minimum wage is still an absurd $7.25 an hour — I’ve never paid any of my part-time assistants less than $12 an hour, even 15 years ago.

American unions now have the lowest membership in a century, even as one third of American workers lurch into what’s now widely and risibly called the “gig economy”, a jaunty and inaccurate euphemism for fiscal insecurity.

This week Richard Thaler just won the Nobel Prize for Economics.

From The New York Times:

 

Professor Thaler’s academic work can be summarized as a long series of demonstrations that standard economic theories do not describe actual human behavior.

For example, he showed that people do not regard all money as created equal. When gas prices decline, standard economic theory predicts that people will use the savings for whatever they need most, which is probably not additional gasoline. In reality, people still spend much of the money on gas. They buy premium gas even if it is bad for their car. In other words: They treat a certain slice of their budget as gas money.

He also showed that people place a higher value on their own possessions. In a famous experiment, he and two co-authors distributed coffee mugs to half of the students in a classroom, and then opened a market in mugs. Students randomly given a mug regarded it as twice as valuable as did the students who were not given a mug.

This “endowment effect” has since been demonstrated in a wide range of situations. It helps to explain why real markets do not work as well as chalkboard models.

Money is so often a proxy for other, often deeper, darker issues: power, control, status, humiliation, (why Hollywood power broker Harvey Weinstein could be a sexual predator and so many people who relied on his goodwill to help them get or stay rich remained silent for so long.)

I’ve been fairly obsessed with money for a long time.

It’s caused no end of drama within my family and I’ve been handling my finances alone since I was 19 and moved out of my father’s home to live alone in a large city and pay for university from my earnings as a writer and photographer, with a small monthly income from a grandmother.

It taught me very early to know my worth and to bargain hard for it. I still remember the joy of earning 18 percent on a Canada Savings Bond, whose value quickly doubled.

L1000209

One place I do spend money freely — travel

 

I also remember vividly being so strapped then that it took me months to save the $30 I needed to buy tights and slippers so I could attend a free ballet class.

My living expenses were phone/rent/tuition/books/clothes/groceries/answering machine.

No car. No TV. No cable.

My family has plenty of dough, but made clear to me to never ask for a penny of it, nor ever expect to run home for help. I inherited some money from my grandmother in my mid-20s, which helped me to to buy an apartment, a security for which I’m very grateful as I’ve bounced in and out of the job market, survived three recessions and work as a full-time freelance journalist — an industry now in complete chaos.

I break into a sweat when spending money on more than the basics; (except for making our home lovely and travel.)

My cellphone and computer are probably four or five years old, (no big deal.)

But our Subaru has 180,000 miles on it, is 16 years old and cost us $1,800 in repairs in recent months — so we’re finally about to lease a gorgeous luxury vehicle.

The thought of committing to anything beyond our monthly health insurance and mortgage payments is scary even though we have the cash, (money we’ve saved for years), and emergency savings, so this is not — as Thaler would nod knowingly — 100 percent rational thinking.

 

L1000877 (1)

Airfares? I’ll splurge on those…

 

Some of the financial challenges I see so many women struggling with:

1) being scared to ask for more (i.e. raises, bonuses, negotiating a higher salary or fees)

2) giving money and gifts to children and grand-children to their own financial detriment

3) under-earning because of sexism, racism or other institutional barriers

4) under-earning while taking time away from paid work to care for children and/or others

5) failing to understand the devastating financial impact of divorce and planning for that. I had a prenuptial agreement in my first marriage and could have ended up in very dire straits without it.

 

IMG_20150106_134932581_HDR

 

Does handling and managing your money cause you anxiety?


 

Buying at auction. Just did it: some tips!

By Caitlin Kelly

IMG_20170919_132147214_HDR

I’ve been going to auctions for decades, mostly small regional ones in Nova Scotia, England, New Hampshire and Ontario. I’ve scored some great/lucky deals, both in the room and bidding by phone, buying (gulp!) almost sight unseen, beyond a small thumbnail image on a website.

I’ve even bid in Swedish (!) on a visit to Stockholm and came home with a large antique tray.

On holiday this past summer in Berlin, I stumbled upon an auction house there, Grisebach, and now get their catalogue as well.

My best auction buy ever is a large teal-stained armoire,  possibly Quebec in origin and possibly 18th century — as evidenced by its form, its hardware and its construction, (all of which I’ve studied so I had some idea what I was buying!) I bought it over the phone from a New Hampshire auctioneer I know and trust; even with delivery charges to New York, it cost less than new junk made in China.

This week I went into Manhattan to Swann Galleries, a 66-year-old auction house on East 25th. St., hoping to acquire a print from 1925 by Raoul Dufy or a lithograph from the same year by Maurice Vlaminck.

We’ve sold photos at Swann, so I get their newsletter with upcoming sales and carefully examined everything on-line for this one. So many gorgeous things!

This sale was of 19th and 20th-century prints, including drawings, lithos, etchings, engraving, monoprints, by everyone from Picasso to Thomas Hart Benton to Diego Rivera, whose pencil portrait was something I so wished was in our budget. The estimate was $20,000 to $30,000 — and the price rose quickly from $14,000 to the hammer (final) price of $32,000.

(It’s called the hammer price because, like a courtroom judge, the auctioneer knocks with a small piece of wood on his podium to audibly finish the bidding and announce the piece is sold.)

If you’ve never attended or bid at auction, it can seem terrifying and mysterious, but is neither.

IMG_20170919_141048_625

My paddle and the catalogue; (the cover painting, a watercolor by Feininger, sold for $38,000)

 

You really do have to do some homework, though, to know what it is you hope to buy and whether it’s a limited edition, its rarity, in what condition, and who owned it before, known as  provenance. That can add a huge boost to the perceived value of an item, for example, a Cartier watch that belonged to Jackie Onassis, estimated at Christie’s for $129,000 sold for $379,500.

The auction preview — all of this free — allows everyone to carefully examine and note the condition of the item(s) you might want to bid on; if furniture, it’s quite normal to take a small flashlight or blacklight, (which can show evidence of repair), even a threaded needle to see if “wormholes” are fake.

If you’re looking at furniture, you also need to know that a  “marriage” means someone has added new material to an older piece, reducing its value, even if it looks great.

At Swann, I saw immediately that both prints I liked had some acidic damage to the surrounding paper, something I wouldn’t have known by bidding online and I learned that a conservator could clean it and what that might cost.

You have to set a budget, as there’s almost always a buyer’s premium, in Swann’s case an additional 25 percent, (plus New York City tax) so the final cost was just over 33 percent more than the hammer price.

Several others might be bidding against you, driving up the price very quickly. Decisiveness is key!

You register and are given a paddle, (a sign with a number), to signal your bid. Each time someone bids the price rises, by increments each time of $100, $1,000, $2,000 or more. (At smaller sales, those can be much smaller.)

Others might also be bidding against you on-line, by a left bid, in the room and by telephone, and the auctioneer has to stay on top of all of it; at Swann, there were four people handling phone bids, one handling on-line bids and one with orders, bids left on paper.

Every item also has a pre-sale estimate — i.e. what they think it might sell for, at the lowest price, but it can go for less, (usually not less than half of that) or for much, much more. It just depends how badly someone wants it.

As the final bids came in, the Swann auctioneer gently said: “Fair warning…Are we all through?” When someone won a piece who was in the room, he said: “Thank you. Congratulations.”

After I won both images (!), he smiled and said “You’re cleaning up today!”

The Swann saleroom was empty most of the time I was there except for a few dealers, with all the action happening on-line and by phone. There were several dogfights and one piece, (by Picasso), started at $60,000 and quickly soared to the hammer price of $100,000.

Matisse works went for $8,000, $13,000 and $12,000 — but one also went for only $550. A work by Paul Klee began at $19,000 and sold for $24,000.

Not every auction is this pricey! At smaller regional auctions, I’ve carried home armloads of loot for $20 to $50.

Who attends, and bids at auction? Collectors, dealers, interior designers shopping for clients.

Sometimes ordinary people like me.

Have you attended or bid at auction?

Did you enjoy it or buy anything?

 

The writer’s week — mine anyway

By Caitlin Kelly

IMG_20151027_081113939
Asked by journalism students for writers I admire, I named this great book by a British Airways 747 pilot

 

WHEW!

 

So much for the Labor Day weekend; a client expected a full revision of a 3,000-word story due first thing Monday. Holiday? What holiday? Good thing I had no plans.

designmags

One of my sales this summer was my first story for House Beautiful

 

Chased a story all week that I think could be a terrific one, but will also require an editor to pay some travel expenses, which many hate to do. It’s not, like most stories I work on now, something I can report by phone or email, and will be in a different U.S. city. The process of getting to a story is rarely linear; this one involves someone I know who made an introduction to the publicist for the event who will decide if I can have access to it. If she says yes, then I still have to write up a persuasive pitch and sell it to an editor who can pay me enough money to make the story even worth doing financially. It’s a fun story, but I have to make money at this.

Journalism is my business, not a hobby!

 

BUSINESS OF FREELANCING

 

I was invited to address a room full of graduate journalism students at CUNY, in midtown Manhattan. I joined a sports reporter/editor and a radio news reporter whose voice I’ve heard on-air for many years. That was cool! The host of the event is a man who lives in D.C. who I “met” via Twitter and had only spoken to once by phone. So much of our industry is finding like-minded souls with solid credentials. He and I met for breakfast and had a great time getting to know one another.

I found it amusing and telling that — when he asked all three of us to offer three pieces of advice to new journalists  — we all agreed that get some sleep was key.

 

IMG_20170907_074151571_HDR

My suburban New York train station, Tarrytown

 

I do a lot of this sort of thing — for no payment. My trainfare just to get into New York City was $31, plus cab fare plus lunch. The day was pretty much shot for getting any work done, but I really enjoy meeting new people and seeing my friends so it’s all a good investment of time and energy. I like working alone at home but it gets really lonely!

 

IMG_20170907_143411794_HDR

 

Met a fellow journalist friend, (now job-hunting), for lunch, a late lunch at one of my favorite restaurants in New York City, Keen’s Chophouse, in business since 1885. I love its black and white tiled bar-room floor, the rows of 50,000 clay pipes wired to the ceiling, its frosted glass windows making the noisy, bustling city outside disappear. We each had a busy summer — she went to Israel and I went to Europe.

 

IMG_20170907_143339776

 

Last year, a young friend of mine worked in Asia as a photographer and, in Thailand, met a young woman who read (!?) my blog. Unlikely, but true. This week, we spoke via Skype as we discussed a project she hopes to work on independently, now that she’s back in the U.S. and working at a newspaper in a western U.S. state. I love coaching other writers, so if you need help, check out my webinars and classes here.

 

Called the French farmer I’m going to interview, to confirm our meeting. I love being able to work in French but haven’t done it since I was a reporter at the Montreal Gazette. I normally don’t use a tape recorder but will take one this time for back-up.

 

IMG_20170907_191536662

Spuyten Duyvil train station, as the commuter train heads north along the eastern shore of the Hudson River

 

20130729134103

 

Took Amtrak from a station near our home to Montreal, a city I lived in in my late 20s and for a year when I was 12. It’s a fun city to visit, with great food and lots of charm. I went north to report a story, working in French, for an editor in Alabama. Met a new young friend for brunch at Beautys a classic Montreal diner, in business since 1942 — she’s someone I heard speaking at a conference in New York last spring and stayed in touch with. (FYI, Beauty’s should have an apostrophe — but Quebec language laws insist that all signage and names be in French.)

Found my little gray coin purse where I keep my Canadian money and my Canadian bank card; I grew up in Toronto and Montreal and we go back at least once or twice a year. I miss my home country, especially now when every day in the United States offers yet another political and/or environmental disaster.

 

Got an update regarding the late Kim Wall, a 30-year-old fellow freelance journalist, whose death I blogged about here:

The Kim Wall Memorial Fund was established by her family and friends to honor Kim’s spirit and legacy. The grant will fund a young female reporter to cover subculture, broadly defined, and what Kim liked to call “the undercurrents of rebellion.”

The funds collected will be directed to the International Women’s Media Foundation, a steadfast ally to women journalists, who have agreed to support and administer this grant

 

 

Think it’s all “fake news”? Try living without it

By Caitlin Kelly

trump-tv

American journalists are now in a defensive crouch, thanks to a President who attacks us, our work, our ethics and our intent every single day.

I’ve been working as a journalist for more than 30 years, published in The New York Times, Washington Post, Wall Street Journal, Irish Times, VSD, The New Zealand Herald, Sunday Telegraph and dozens of magazines.

I was a staff reporter at the Globe & Mail, Montreal Gazette and New York Daily News.

I love what I do and I’m proud of (most of!) our work.

 

I’m sick of hearing my industry and my colleagues maligned!

 

From The New York Times, (to which I contribute freelance):

Yet there he was in Phoenix on Tuesday, telling a crowd of thousands of ardent supporters that journalists were “sick people” who he believes “don’t like our country,” and are “trying to take away our history and our heritage.”

 

Let’s review:

Most journalists make little money. Some, like the late Kim Wall, have attended some of the most rigorous colleges and universities to learn our craft. While a corporate attorney fresh from law school might expect to make $150,000 to start — and millions if they work as a lobbyist or make partner at a major firm — only the highest-paid journalists, (those in television, a few columnists), will ever become wealthy through our work, regardless of skill, talent, experience or awards.

Unlike people who get up every day driven by profit and money (hello, billionaires), we do this work because it matters to us and to our audience.

Our work is team-oriented, not all about Big Stars who preen and strut and insist on our constant fawning and genuflection. There are some in this stratosphere, but everything you read, hear and see is the result of intense and focused teamwork, egos be damned. Yes, we make mistakes, but not for lack of effort — my Times stories are read and reviewed by three editors, each of whom can grill me for further detail.

— Journalists who lie and make shit up are quickly found out, shamed and fired. In a private business, people can (and do) get away with many forms of chicanery, unnoticed. CEOs of public companies make out financially for years like bandits regardless of their personal ethics.

— We don’t have to carry or show a press pass to do our jobs. We don’t have to pledge allegiance to anyone, a fact that makes some people very angry. How dare we think independently!

Our job (at its best) is to challenge authority, to read the fine print in annual and corporate reports, to FOIA the hell out of reluctant government agencies. It pisses some people off that we don’t just lie down and give up. Too bad.

— How exactly does Trump, or anyone, know whether or not we “like our country?” As if being critical of liars and cheats, dismantling false promises and fact-checking endless assertions is…unpatriotic.

As if “unpatriotic” even matters to us.

That’s not why we do what we do.

Also from the Times:

An element of presidential leadership that we are all taught in grammar school: its broad influence — how it can set a tone for others to follow.

Yes, mistrust of the media was growing even before Mr. Trump emerged on the political scene. But this much is unmistakable: The president is significantly adding to what is, without question, the worst anti-press atmosphere I’ve seen in 25 years in journalism, and real, chilling consequences have surfaced, not just in the United States, but around the world.

We do this work:

— to help audiences better understand a complex world, whether business, science medicine, politics, technology, environment.

— to hold the wealthy accountable to the remaining 99% of us. In an era of income inequality unprecedented in a century, it’s our job to question those grabbing the levers of political and economic power.

— to correct injustices: corruption, false arrests, police brutality, sexism, racism.

— to explain disparate groups to one another, presenting as many perspectives on an issue as possible. (Yes, many outlets skew hard right or hard left.)

— to connect the global economy to audience’s personal experience.

Yes, some of what we do is awful.

Some of it is wrong.

Some of it is poorly reported, poorly edited, poorly written.

It’s gotten so bad that a major women’s journalism group, The International Women’s Media Foundation,  issued a statement in reply to Trump:

“Journalists take incredible risks to bring us the truth.”

GLOBE

 

Would you really be better off with no news at all?

 

 

 

 

 

Kim Wall, talented young journalist, found dead in Copenhagen waters

By Caitlin Kelly

20131206081013
Columbia Journalism School

It’s every writer’s worst nightmare — to head off reporting what appears to be a cool, fun story  —- and end up dead.

From The New York Times:

The Copenhagen police announced on Wednesday that a torso found this week in local waters was that of Kim Wall, a Swedish freelance journalist who disappeared after boarding a Danish inventor’s submarine.

The announcement, which followed DNA tests of samples from the torso, turned what had started as a missing-persons case into what Christian Jensen, editor in chief of Politiken, Denmark’s largest daily, called “the most spectacular murder case in Danish history.”

The inventor, Peter Madsen, 46, has been held on preliminary charges of involuntary manslaughter. It is not yet known how Ms. Wall, 30, died, nor how or why her body was dismembered.

Her torso — missing its arms, legs and head — was found by a cyclist on the edge of Amager Island on Monday afternoon,

Kim Wall, a talented 30-year-old freelancer, educated at prestigious and demanding schools like Columbia University’s School of International and Public Affairs, Columbia Journalism School and the London School of Economics, headed out aboard a submarine with Danish inventor Peter Madsen.

Like many ambitious journalists, she decided to do the reporting first — and sell the story (one always hopes!) later, i.e. “on spec.”

Full-time freelancers like Kim, (and me), work with no institutional protection, often with no danger training or back-up.

We hope to, and must, quickly sell our stories — as she did to The New York Times and other publications.

I didn’t know Kim, nor had I read her work, but her death — her appalling, terrifying end while at work — is hitting my tribe, journalists, and especially bold women like her who venture alone into funky places alone around the world, very hard.

Freelance work, de facto, can require a sort of bravery, initiative and decisiveness that’s unique to our industry:

No one sits around waiting for the day’s assignment from a boss.

No one revises a press release and hits “send” and calls it journalism.

No one has a paycheck, nor even a guaranteed sale, let alone a well-paid one.

We work alone, often without the witness or putative aid and protection of a fixer, translator or photographer.

Those who, like Kim often did, work overseas, must cover their own expenses and arrange all their own travel and accommodations.

And, as this story did, it demands that we trust others, often with our safety and our lives.

You gin up a great idea, and, sometimes without a definite assignment, (i.e. a sale, income, let alone your travel costs repaid, and an editor invested intellectually and financially in what we produce) — and go.

Like Kim, I’ve gone to a few places to report a story that others told me not to. Nothing as truly scary as a war zone or natural disaster, but — like her — working alone with or around men I had never met before.

At 25, I jumped into a truck with a French driver I’d never met, 10 years my senior, and traveled with him, sleeping in the truck cab every night, for eight days, from Perpignan to Istanbul.

There were no cellphone then, no GPS to track our location, no Internet.

It was — as Kim’s decision to board that damned submarine — a decision I made, eagerly, on a common and basic calculation in our field:

 

adventure + exclusivity + access + firsthand reporting = terrific  (saleable) story

 

And, for many women I know, like one who ventures repeatedly into a nation riddled with vicious crime, I made a bet.

Like female freelancers who cover war and conflict zones, places where women are often raped and slaughtered.

The same bet I made when I traveled alone, also at 25, into a small Sicilian town to report on a complex topic, not speaking a word of Italian, relying on men I had never met for translation and lodging and transportation.

The same bet I made when I walked, at dusk, into Brixton, then a no-go area of London, to interview a male squatter.

In every case, thank God, I got my story, and came home.

Safe — and alive.

We bet, each of us, every time, that we will return unharmed.

 

Tonight at 7pm there is a candlelight vigil being held at Columbia Journalism School, in upper Manhattan, in Kim’s honor.

 

A freelance journalist’s week

By Caitlin Kelly

carr service01
The New York Times newsroom

If you’ve never tried working freelance — i.e. no job, no salary, no paid sick or vacation days — it can look cool.

Freedom!

I’ve been doing it since 2006 (and for periods before then as well), and enjoy it.

It’s rarely dull.

 

Here’s some of what this week has been like:

 

I pitched a story to The New York Times, realizing, two weeks after returning from an overheated, often non air conditioned Europe, that it’s an uncomfortable, even dangerous, situation for travelers and hotel owners.

And one only likely to worsen with climate change.

I’ve been writing for the Times since 1990, and had previously written for that specific editor, so he quickly replied to my emailed pitch — but I had barely four days in which to find all my sources, interview them and write the story.

Thanks to my active life on social media, including Facebook and Twitter, I soon found what I needed.

Here’s the story.

I’m working on a big (3,000 words) story for a local university about their school. Have been doing interviews for weeks, some by phone, some in person. It’s a challenging assignment and one I’m enjoying, but it has a lot of moving parts. Did seven interviews, in person, in one day on campus — pooped! Slept 10 hours and took the next day off entirely to recover.

During one of the interviews, heard a deeply distressing story of murder in someone’s life. I didn’t react much, which — to those who don’t know any journalists personally — can make us look cold and unfeeling. Not so! One of the keys to success as a journalist is being able to manage and control the most powerful of emotions, even in the moment, and stay focused on your goal — reporting the story. It can, and does, lead to some trauma later as you process it eventually, or don’t.

 

IMG_20170411_131322486

 

I speak fluent French,  so I was asked to interpret between an editor in Alabama and a French-speaking farmer in Quebec to determine if there was enough to produce a story. There is, so I’ll be heading north to Quebec soon to report and write it.

A former client in Chicago sent me an assignment they needed done right away —- and had to turn it down because they needed it fast and, for once, I’m too busy at the moment.

I emailed editors in New York City and London to follow up on personal meetings to see if there’s work I can produce for them — no answer, so far. It’s normal for even people who know me and my work to take a while to respond. You can’t freak out or take it personally.

Pitched another idea to a new client who loved it — have to constantly be pitching ideas or the income stream dries up fast! Bills never stop arriving, funny thing.

Jose and I took a day off to explore the North Shore of Long Island, about a 2.5 hour drive from our home. In our years together, we’ve been to Paris together a few times — but never there.

Found this astonishing Spanish chest — 17th century? — in a local antique shop.

 

IMG_20170811_114059331

 

This area is gorgeous and we loved it, including this amazing general store, built in 1857, now on the National Register of Historic Places.

 

IMG_20170811_115214223

 

 

IMG_20170811_115654165_HDR

A reminder from your host…

By Caitlin Kelly

caitlinpratt

Now that Broadside is closing in on 18,000 followers worldwide — eight years after I started writing it — it’s time once more to remind newer readers who exactly they’re reading!

Based in Tarrytown, New York, a gorgeous little town on the east bank of the Hudson River 25 miles north of Manhattan, I’m a published non-fiction author and career journalist, with staff experience at three major daily newspapers, several magazines and numerous digital outlets, from Reuters Money to bbc.com.

Here’s my website, with sample articles from my thousands of published stories — in outlets including The New York Times, USA Today, Washington Post, MORE magazine, Marie Claire, House Beautiful and many others.

A generalist, my work in June ranged from a profile of an L.A. designer for House Beautiful, a story about 3D printing for farmers for a custom publication and this story, about the growing dangers faced by truckers working across the United States.

 

I’m always seeking new clients with a clear sense of what they need and a budget to support a high level of skill and experience

 

A two-time author of nationally reported non-fiction, I also teach other writers and bloggers, through specific webinars of 90 minutes, (30 minutes reserved for your questions),  at $150 and individual coaching, also arranged at your convenience, at a cost of $225 per hour, payable in advance through Paypal.

I work with clients in person, by phone or Skype.

 

malled cover HIGH
My second book, published in 2011

I’ve helped dozens of writers and bloggers worldwide — from Germany to New Zealand to Singapore to Maryland — and my students are delighted with the results and improvements they see, quickly, as a result.

 

One of my coaching clients was published in The New York Times, and another in The Guardian — and neither one are professional writers.

 

I also help public relations professionals better understand how to tell their clients’ stories more effectively, and have worked with teams in New York and California.

 

Email me at learntowritebetter@gmail.com!

When workers aren’t free

By Caitlin Kelly

IMG_20150909_121335101_HDR
The level of poverty in the U.S. is deeply shocking — given the astonishing wealth here

This recent column in The New York Times hit home for me:

After all, America is an open society, in which everyone is free to make his or her own choices about where to work and how to live.

Everyone, that is, except the 30 million workers now covered by noncompete agreements, who may find themselves all but unemployable if they quit their current jobs; the 52 million Americans with pre-existing conditions who will be effectively unable to buy individual health insurance, and hence stuck with their current employers, if the Freedom Caucus gets its way; and the millions of Americans burdened down by heavy student and other debt.

photo(34)
My greatest freedom — to take on amazing assignments, like working with WaterAid in Nicaragua in March 2014

Writing for money

By Caitlin Kelly

stackbooks

“No man but a blockhead ever wrote, except for money”

— Samuel Johnson (died 1784)

Few subjects will so quickly divide a room than writers talking about how much money they make from their work.

If you write blockbuster fiction, made into Hollywood movies, you might own a lovely home, or several, and shiny new cars.

If you write non-fiction that hits a cultural or political nerve — like over-rated “Hillbilly Elegy” — you might also hit it big.

If you write poetry, you might get “paid” with a copy of the journal that deigned to accept your work.

If you’re a full-time freelance writer, as I am, you probably earn a fairly wide range of fees, unless you’re primarily writing for Hollywood, or the elite tier of top-flight magazines and/or producing a Niagara of material, with very little time off.

saying

There’s also a steady oversupply of people desperate to say: “I’m a writer!”

Blogging doesn’t pay most of us, (unless sponsored.) And yet, blogging here since July 1, 2009, has brought me more than $10,000 in income, teaching my skills to others. (I offer webinars.)

BLOWN AWAY COVER
My first book, published in 2004. As someone who grew up with no exposure to guns, I was deeply intrigued by this most American of obsessions

I began writing for money — for national magazines and newspapers — in my second year at university, in Toronto, where I was doing an English degree. It’s the center of Canadian publishing, home to most major newspapers and magazines. I just had to gin up the nerve to start approaching them, and one of the magazine publishing houses was, literally, a block south of campus.

I got my first assignment for a national women’s magazine after writing a furious letter to the editor, asking them to run better material. That editor, (bless her!) called me in for a meeting, and said: “I’d rather have you writing for us than to us.”

Yes, a hugely lucky break.

But I already had two years’ experience writing every week for our demanding university newspaper, so I brought developed skills.

The money I earned writing helped put me through university and paid my rent and groceries, living alone from the age of 19 in an apartment.

That taught me to negotiate for better pay, early and often.

I also overheard an editor pleading with a fellow writer, (a man, older than I), out-earning me for the same kind of weekly column by 50 percent, not to quit.

malled cover HIGH
My second book, published in 2011

So when I see — and I see it every day — writers accepting shitty pay, or no pay, and refusing to even try to negotiate for more, or to build their skills to a level they can ask for more and legitimately get it, I lose it.

I also see some Big Name Writers telling the world they have no savings and no money put aside for retirement, as if to glorify the de facto penury of being a writer.

Bullshit!

IMG_20160617_102113083 (2)

If you have no savings and are perpetually broke, even while earning your full-time living as a writer, consider:

Your skills are weak and no one will pay you properly for them — since so many competitors do it better, or say they can.

You’re unwilling or unable to negotiate higher rates.

You’re living beyond your means, possibly sabotaged by high rent/mortgage in an expensive city; (Toronto, New York, London, San Francisco, Vancouver.)

You didn’t realize that writing for a living is no less serious — and often just about as glamorous — as sanitation work. Just because you enjoy it doesn’t mean it isn’t work. (Sanitation workers, at least, have a union, paid sick days and a pension.)

You haven’t done enough work yet to acquire a consistent track record of achievement, when it’s more reasonable to ask for higher pay rates..

You have a weak or inexperienced network — or people don’t like and trust you enough (yet) to refer you to their decently-paying contacts; most of my work now comes through referrals.

You need to improve your marketing and sales. While people think writing for a living means actually writing, about 75 of my time and energy is spent finding and qualifying new clients.

You need more help with domestic chores or other tasks. It takes time and energy to find well-paid markets for your work, often in addition to teaching.

You write only for low-paying outlets, almost all of them digital, offering $50 or $100 or $300 for long, reported stories, (some writers think this is a lot of money). No one can earn a living at these rates, or work a healthy number of daily/weekly hours to do it. Aim for a higher-paying mix — agency work, print work, non-profit or custom publishing or branded content. 

You might need a job, part-time or full-time, until you have a decent financial cushion and can turn down low-ball offers. You can’t refuse lousy jobs and terrible payment if you’re always desperate for the next gig.

You’re too slow! You have to know your minimum hourly rate and stick to it. If you waste  time or work inefficiently, you’re cutting into your profit margin. It’s a business!

Caitlin Kelly, an award-winning non-fiction author and frequent contributor to The New York Times, is a New York-based journalist. Her one-on-one webinars and individual coaching, by Skype, phone or in person, have helped writers and bloggers worldwide; details here. Contact: learntowritebetter@gmail.com.

Health care is a right, not a privilege

By Caitlin Kelly

IMG_20160616_134045187_HDR (5)

If you move to the United States from any nation with single-payer government-run healthcare, you might be gobsmacked by what you encounter here.

You’ll learn new words and phrases like:

“pre-existing condition”, “co-pay”, “annual deductible” and “usual and customary.”

If you get a full-time job with benefits, you will be mostly preoccupied with how much medical coverage it offers you and your family, at what cost, and with what amount of deductible — i.e. how much more money you have to shell out after already paying a monthly premium for what is supposed to be full coverage.

It’s a bizarre, byzantine way to handle healthcare, because it puts millions at risk, as anyone following the current, bitter political debates over repealing and replacing the Affordable Care Act, (aka Obamacare), well knows.

If you work full-time for an employer who can afford to offer it, you’ll get health insurance through them, often heavily subsidized.

If not, welcome to free market capitalism!

My husband worked 31 years at The New York Times, as a photographer and photo editor. He retired from there, although we’re both still working. As a retired former staffer, he pays $400 a month for his health insurance. That, we can easily handle.

The company decided to save money by refusing this same subsidy to retirees’ spouses — so I pay $1,400 a month for the same plan. That’s $20,000 pre-tax I have to earn just to avoid medical bankruptcy — the single greatest cause of personal fiscal disaster in the U.S.

I’m a reporter, so as I debated choosing a much cheaper plan I queried the billing managers for two of our physicians. Both said: “Hell, no! If you like what you’ve got, keep it.”

They know better than anyone what a crazy and costly mess you can face if your cheap-o plan doesn’t cover something like — oh, you know –— the anesthesia for your four-hour surgery.

That surprise bill could be high enough to knock you out cold once more.

caiti flag

My first steps with my new left hip, February 2012.

As an aging jock with orthopedic issues that have required multiple surgeries and a lot of physical therapy — the co-pays alone costing up to $60 a week — not having excellent coverage is a gamble I’m not willing to make.

 

As more and more Americans are forced into the “gig ecomomy”, i.e. self-employment or precarious, poorly-paid contract work, we’re forced into free-market pricing for our most precious possession — our health.

 

Yet I find it almost incomprehensible to read this, in the liberal New York Times:

When Representative Mo Brooks said it was unfair that healthy “people who lead good lives” should have to subsidize the insurance of unhealthier ones who presumably don’t, he bluntly raised an often unspoken question that runs through policy debates in Washington: Who deserves government aid and who does not?

Such proposals can be — and often are — couched in the language of economics, with advocates and critics calculating the efficacy of incentives, returns on investment and long-run savings. As Ben Carson, the Trump administration’s housing secretary, commented last week while touring publicly subsidized housing in Columbus, Ohio, “We are talking about incentivizing those who help themselves.”

But the judgment of who is deserving — as opposed to what is most effective — is at heart a moral one.

In pushing for repeal of the Affordable Care Act last week, Mr. Brooks, an Alabama Republican, suggested that people with pre-existing conditions deserved to pay higher premiums, because they had not “done things the right way.” That could include a cigarette smoker’s lung cancer — or a newborn’s congenital heart disease.

Couching this as “government aid” completely distorts the larger issue — are you really happy living in a country where you’re just fine — but millions of others aren’t?

This kind of self-righteous garbage, the “deserving”, makes me so angry.

Yes, those who live in a single-payer system do pay the costs of treating other people’s cancer (some are smokers!) and diabetes (some are obese!) and people who injure themselves while high or drunk or are torn to pieces by a dangerous, distracted driver.

american-flag-2a

No one admires or wants to support stupid, careless behavioral choices.

But I’d rather know that everyone can get good care quickly than smugly snuggle into my personal bubble,  knowing for certain that others live in terror of losing their insurance or access to the drugs and care they need.

I grew up in Canada, to the age of 30, never once seeing or paying a medical bill. Nor have my parents, who still live there, in two different provinces, despite multiple surgeries and, for one, months of big-city hospital care.

I’m no fan of endless taxation. But a vast percentage of the U.S. federal budget goes to defense, waging endless wars against often undefeatable enemies.

And the outrageous rates I pay are giving health insurance executives’ massive salaries. I find that disgusting.

I believe healthcare is a right, not a rare privilege only granted to those who someone decides is “deserving.”