Tag: money

On setting my money on fire

On By Luther M. SilerIn idiocy, Teaching3 Comments

Witness my latest addition to my classroom, a “boneless loveseat,” that shipped compressed into a very tiny rectangular solid and expanded rapidly into that once I took it out of the packaging. It can supposedly support 600 pounds of humanity; I can say that when I sat on it the back did not feel especially comfortable but the seat held me up just fine and I didn’t have trouble getting out of it. I’m considering a matching chair to go with it. Supposedly this thing needs 48 hours in order to completely decompress and it was almost unsettling to look at it after the first batch of expansion was done; the damn thing always looked like it was moving, but in this weirdly imperceptible way. I’m going to take another picture of it tomorrow from as close to the same angle as I can and see if it looks bigger.

This is, as you all well know, my greatest hypocrisy; I genuinely think that teachers should not spend money on their classrooms and yet I lavish hundreds of dollars on mine for fun new shit every year even before we get to the school supplies. Remember, I already bought myself a new Goddamn desk chair. That loveseat was pretty cheap as such things go, but still.

(Donated supplies have begun arriving, by the way; my deepest thanks to those of you who have contributed. The link is here if you haven’t yet and want to; if you don’t, that’s absolutely fine.)

In accordance with prophecy, our new textbooks have not arrived yet; at this point I’m fully expecting to not see them before October. I hope I’m wrong. We should’ve had the damned things before school let out so that we could familiarize ourselves with them over the summer. I wouldn’t have done it, mind you, but at least I’d have spent the summer feeling guilty like I should have and not waiting for the opportunity to feel guilty.

Anyway, I got my desk beaten into shape; tomorrow we’ll look at starting to get things up on the walls. I also got a bunch of clothes shopping done today, so I can stop stressing about that for a while. Whee!

Also, here’s what the loveseat looked like before I opened it up. Note the bankers’ box next to it, for scale.

And I’m putting this at the bottom because I’m hoping no one notices it. I’m also considering this, because I’m an idiot:

I’m not even sure where I would put it. I’m running out of floor and wall space at this point.

Thoughts and questions

On By Luther M. SilerIn Politics, video games5 Comments

I’ve got a few things rattling around in my brain, none enough for a whole post, so let’s just toss all three of them together. Why not, right?

FIRST: That game up there? Was crafted deep in the bowels of Hell, on the lower foothills of Mount Sonofabitch. I just beat the game’s third major boss tonight, after, no shit, probably five or six hours of attempts and farming over the last few days. The recommended level for his area? Seventeen. My level when I finally took him down about half an hour ago? Forty-five. And the next area promptly beat the shit out of me again.

SECOND: You may have heard the godawful fucking story about the people Trump effectively sold as slaves to El Salvador, including a number of them who were accused of no crime at all other than being brown. Now, before I ask this, I want to be crystal fucking clear that this is horrible and the people responsible should rot in Hell. Okay? We’ve got that? Everybody understand? Good. Because while I’m having some trouble untangling the court cases, what with not being a lawyer and all, it looks like a judge ordered the government to produce one of the men involved by midnight tonight? And there may or may not be a temporary stay on that order, or maybe SCOTUS just overturned it, I dunno, it looks like things changed while I was playing video games. But here’s my question: Does the court, any court, have the ability to order other entities to do literally impossible things? Because part of the whole point of selling these men to El Salvador was to put them beyond the reach of US courts. Short of invasion, which Trump obviously isn’t going to do, we don’t really have a way to compel El Salvador to return any of these people, and certainly not to do so in the next three hours and eighteen minutes. The judge has no jurisdiction. Again, yes, I recognize that there’s something horrible about taking the situation these human beings are in and reducing it to a legal hypothetical, which is part of why I’m doing it on my blog and not, say, BlueSky– but does anyone actually have any authority to compel this to happen right now? The courts can order the government to do shit all they want. What happens if they just … can’t?

THIRD: I don’t remember the goddamn third thing. Fuck. I’ve had this post in the back of my head all day and now that it’s time to write it Thing Three is gone.

…

Right, shit, the economy went to hell today too. So I, personally, with very modest investments in, until yesterday, the low (very low) five figures, have lost about a thousand bucks in the last few days. I do not expect things to get better anytime soon, for obvious reasons. I have been contributing a couple hundred a month to an account managed through MetLife that I deliberately rarely look at, and $100 a week to an Acorns account that I monitor perhaps more carefully than I ought to. Yesterday I reset a bunch of stuff on Acorns so that now that $100 a week goes directly to my savings account and is not invested in anything. My understanding of how this works is even if the value of individual shares of a given stock are falling, buying more of them means a faster theoretical recovery later on, since I’ll own more stock, assuming that the companies I’m investing in don’t go under, in which case that money is just gone. But if I think it might be years before the market recovers– and I do– isn’t there more value in socking that money away into a savings account, where it’s not going to just vanish? Or at least is much less likely? The interest rate is going to be a lot lower but at least it’ll be positive.

Help me out if you know anything about investments. I’m sure there are better ideas than the binary I’ve set up here, but if you’re going to give advice at least tell me which of those two is a better idea right now before telling me about your third thing, okay? Thanks.

In which I make a decision

On By Luther M. SilerIn TeachingLeave a comment

…so, apparently I like my job?

I had a Moment this weekend, or perhaps a series of Moments, where a math job opened up at the boy’s school and I jumped on it faster than I’ve ever jumped on a job opportunity in my life. And then, once the cover letter was written and the resume was updated and everything was filled out and sent off, I immediately regretted it.

And that was … kinda weird? You’re telling me, brain, that I offer you a job with small class sizes and damn near universally kids who want to learn and whose parents are invested in their education and you … don’t want it? You’re supposed to kill people to get that job. I’ve been in the trenches for over two decades at this point! I deserve a job that no one would ever refer to using the word “trenches,” God damn it!

Now, because it’s my kid’s school, it’s kind of a weird situation, because in the “who do you know who works here” section on the application, I had to write “basically everyone,” because dude has been at this school since he was larval and that’s kind of what happens. And I emailed one person at the school and gave him a heads-up that I’d put in the application, because technically I used to be his boss and I thought it was at least a little possible that someone might go ask him about that if they put together that we were at the same school at the same time. And I very specifically did not tell two of the three people I put down as references, because no one ever calls references first and if I’m not taking the job I don’t need the drama at work about whether I’m leaving.

Anyway, yeah, several days in the row of anxiety, and do I really want this, and reminding myself that I really haven’t had a lot to complain about this year, and then the person I sent all the documentation in to emailed me back and she asked “are you sure about this,” because, in her words, their pay was “woefully” lower than what I’m currently making.

So, of course, I emailed her back and asked how woeful is woeful, because that word doesn’t really suggest a number to me if I’m being honest, and Glassdoor was being really unhelpful, and she got back to me.

Twenty five thousand dollar pay cut.

So, uh, yeah, I’m staying at my current school next year. That was a fun few days, though.

In which I have a disease

On By Luther M. SilerIn Geek, idiocyLeave a comment

…both in the literal and metaphorical sense. The wonderful news is that my ear abruptly partially cleared on the way home from work today, as I was actually on my way to urgent care to have it looked at again. It’s not 100% yet; there’s still some tinnitus and a little bit of pressure, but it’s not remotely as bad as it was yesterday and the transition from one phase to the other took all of thirty seconds. Hopefully it’ll continue to improve over the next day or two; I have about five doses of my antibiotic left.

The metaphorical sense? Do I need to explain, since you presumably have eyes and can see the image at the top of this post? Because God damn if I didn’t involuntarily start to reach for my wallet the second this image appeared on my phone, only to realize that the presale doesn’t start until the end of March so I have plenty of time to talk myself into buying four books that I didn’t like by an author who I genuinely dislike just because holy shit they’re pretty.

(They actually come with two dust covers each, those above and another set that is a slightly upscaled version of the original covers. I already have all four of these damn things with the original covers, so it’ll be these.)

Don’t ask the price. The set will cost roughly $texas; Broken Binding editions are expensive. They appreciate like motherfuckers, so I could pretend that I was going to hold on to them for a year and then sell them, I suppose, but I’ve got to buy them first. Nonetheless! Daddy can do this, all day, every day, no problem. But when is it going to stop?

I know I’ve said this before– hell, I’m a million and a half words deep into this site, I’ve said everything before– but I really never thought I was going to be the person I’ve become, where the more discretionary income I have, the more shit I find to buy. This obsession with special editions of books even if I don’t like the books is just the latest Goddamn symptom.

Some snippets

On By Luther M. SilerIn Geek2 Comments

Got a new book from Amazon today, and the damned thing was mis-bound, with the cover a good quarter inch or more off from where it was supposed to be. Ultimately it’s no big deal, because I can just exchange it, but I’ve never seen this in a new book before. (Entirely possible that this is because Amazon specifically has never sent me one; no brick and mortar bookstore would even let these make it out to the floor; they’d have been damaged out immediately once they came out of the box.)

I survived my first day back, although I do mean “survived” in the most specific meaning of the term, certainly not one that implies any teaching took place. I foolishly neglected to take any drugs before leaving the house other than my antibiotics, which meant that the first thing I did when I left work was go to a drugstore and buy the methy kind of Sudafed, the one you have to ask for and have your ID scanned. I do actually have an ear infection, according to my school nurse, but she says the antibiotics I’m already on will take care of it. We’ll see!

Let’s see, what else? Spent the evening fighting off the urge to buy another fountain pen or two. My rapid cycling through obsessions and hobbies is fucking breathtaking, y’all. I need to become obsessed with saving money for a while. The world economy is about to tank (mental note: save $1,000 as quickly as possible, withdraw it in cash, and keep it in the house) and even if that wasn’t the case (or if I wasn’t already first against the wall as an atheist, outspokenly liberal teacher running the gay kids’ club in a rural area of a red state) my kid is gonna be driving in a couple of years. You’d think I’d at least be able to sock money away for a car.

Alternatively, we’ll be scrounging the wastelands for food in a couple of years, so why not buy fountain pens now while they’re still being manufactured?

Shit.

Okay FINE I won’t

On By Luther M. SilerIn idiocy6 Comments

Dan Ford may have slightly too much influence over my life decisions for someone I’ve never met, but those five words more or less talked me out of Adventures with Bitcoin, and realizing that this weekend is a Lego Insiders weekend and that they have a model of the HMS Endurance coming at the end of the month sealed the deal; I’m not destroying the environment and I get (sorta) free Legos? Yeah, fuck money get Legos.

I think that’s the phrase, at least.

MEANWHILE! Kendrick Lamar has a new album out! He didn’t tell anyone it was coming before he released it. I’m listening to it right now and it might be his best album yet. I never really vibed with Mr. Morale and the Big Steppers, so it’s good to see a return to form.

Let’s see. What else? I feel like something happened at work today that I really want to talk about, but hell if I can remember what it is. I decided today that I have what I’m calling a Shitty White Boy problem with my sixth hour, but that’s not the story.

… Goddammit, it’s gone. I’m gonna go play Veilguard and if I remember what the hell I wanted to talk about I’ll come back.

Talk me out of this

On By Luther M. SilerIn idiocy2 Comments

A couple of months ago, more or less on a whim, I started sinking $50 a week into Bitcoin.

Yeah, I know. Stay with me here.

You are not reading that incorrectly.

That is up nearly five percent today, nearly twelve percent this week, and nearly fifty percent in a month. Those are fucking insane numbers. Ridiculous numbers. Stupid numbers. “That can’t be right” numbers.

I have actually invested $342.16. My personal actual rate of return over the last seven weeks or so is 40.9%. I assume there would be some transaction fees or something and taxes to set aside once I sell, but that’s ludicrous.

I am seriously and genuinely considering getting a zero-APR advance from one of my credit cards to sink into Bitcoin for a month, at which point I’ll sell off whatever the advance was, pay it off, and let the profits coast for a little longer. I’m not talking about an enormous amount of money, relatively speaking; nothing that would bankrupt me or even put me into real trouble if the market crashes, and one way or another I probably want out of this (or do I?) before Trump takes office and wrecks the economy. But 40% of, say, $5000 is two thousand dollars in a month. Even if the rate of return drops by half that’s still a thousand dollars for doing nothing. When I started thinking about this a week or so ago, the one-month number was around thirty percent.

There’s got to be a correction of some sort coming soon, right? Nothing stays on this high of a trajectory for long, and Bitcoin is proof positive that money (and the investment market) is nearly entirely fake anyway. But … shit.

Am I gonna end up $2,000,000 in debt in two years, and this is the post that led to my downfall?

Somebody tell my wife about this post so she can forbid me to invest in this stupid, imaginary product, please.

On the unimaginable

On By Luther M. SilerIn TeachingLeave a comment

Nevin Longenecker, my freshman Biology teacher, passed away last week. I was surprised to realize, when I checked, that Mr. Longenecker was not among the teachers who I dedicated Searching for Malumba to. I can sort of reconstruct my logic; every high school teacher I mention on that list was someone who I spent at least multiple years if not all four years of high school with, and I only had the one class with Mr. Longenecker. Among his many accomplishments as an educator was his senior Research Biology seminar, an opportunity that several of my friends participated in and which, over the years, generated literally millions of dollars in research grants. I was not planning on a career in the sciences, so I was not part of that seminar, and Mr. Longenecker’s direct role in my education ended after my freshman year. He was, regardless, one of the finest educators I ever had the pleasure of being in a classroom with.

He started teaching at my high school in 1968. And Adams wasn’t his first school. He taught for sixty-four years in total, and never actually retired, although my understanding is that health reasons prevented him from starting this school year. He started that research program in 1976, the year I was born.

Sixty. Four. Fucking. Years. I am a grown-ass man with white hair and I have sixteen years to go before I have lived as long as he was a teacher. Fifty-six years at the same school, and I’d bet money that he was still in the same classroom that he occupied when I was there. I’m trying to imagine the pressure of being the next person to move into that room and I can’t do it.

The phrase “rest in peace” has had all the edges rubbed off of it by years and years of use, but I cannot imagine someone who deserves more peace and rest than someone who taught high school for six and a half decades.

Meanwhile, and the reason this isn’t headlined as an RIP post, I logged into my pension website and was greeted with, I believe for the first time, an indication that I was hitting my “retirement goals.”:

I don’t know who generated that $3533 number, for the record, or how or if it’s slid around during my years as an Indiana teacher, but this is the first time that dollar bill has been entirely orange. I don’t want to hear shit from anybody about how bad the economy’s doing; apparently my retirement account is up sixteen percent this year, which is ludicrous. I can’t even move that “might return” slider far enough to the right to account for sixteen percent increases (and, okay, I know it’s not going to last forever, too, but still.)

Anyway, I was happy for a minute, until I saw that retirement age.

68? Sixty-eight? Sixty-eight???? Shit, I’m not even going to be alive at 68 much less wait that long to retire. It turns out that if I play with that slider I can earn an impressive $55 a month if I retire next year, and the magic number appears to be 62, where the orange bar makes a big jump over to the right. That’s still fourteen years out, which feels kinda crazy.

I learned all of this and had all of these thoughts before learning of Mr. Longenecker’s passing. There’s no obituary yet and I’m not sure when he was born, but if he started teaching straight out of college he’d have to have been at least 85. The craziest thing is he was the teacher with the second longest tenure in the district. As far as I know, Bev Beck is still in the classroom.

(For giggles, take a look at the article linked on that page about the “80-year-old teacher” suing the district for age discrimination, and then look at the date on the article.)

I will, nonetheless, not be aspiring to equal either of those people’s feats. That said, I probably ought to start buying lottery tickets.