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Expensive Cheese
Saturday morning, I woke up to a room-temperature refrigerator. I dislike drinking milk that’s 40 degrees warmer than I’m used to.
We called the repairman who showed up at 9PM and poked around in the fridge for a bit before announcing that he didn’t have the needed parts in his truck.
The parts came Monday. The next repairman got there Tuesday afternoon. For those of you keeping track at home, that’s nearly 4 days without a refrigerator.
That poor bacon.
Tuesday’s repairman didn’t think highly of Saturday’s. Apparently, the two parts Saturday ordered never go bad at the same time, so he was guessing.
He also didn’t notice the slice of individually wrapped American cheese that had slipped between a shelf and one of the cold-air vents, preventing any air flow at all.
Grr.
I wish I would have noticed that on Saturday. I now own the most expensive cheese in the world. It’s not Pule, which comes in at $616 per pound. This lowly slice of American cheese cost me nearly $200. At one ounce per slice, that’s $3200 per pound. Of course, I’m counting the lost food. My hamburger, eggs, bacon, milk, and mayonnaise are gone, along with every other perishable bit of food we had on hand.
I don’t know how much the repairs cost. Saturday’s visit, minus the parts, was billed at $95. I didn’t see the total for Tuesday’s visit.
We pay for a repair plan through our gas company. For around $15 per month, we get a list of appliances protected. We don’t have to worry about our washer, dryer, water softener, stove, refrigerator, or our sewer main. Assuming Tuesday’s visit was billed the same as Saturday’s, this one repair paid for the plan for an entire year. When you count our sewer main–which backs up with tree roots once a year and costs at least $200 to fix–the repair plan is definitely worth it for us.
When we get tenants in my mother-in-law’s house, we’ll have the repair plan set up there, too.
Do you use any kind of repair plan? How is it working out for you?
Focusing on the Now
My company uses a service called KnowYourCompany, that sends three emails each week to the entire staff. Each email asks a question that the staff can either respond to publicly, or just to the company leadership team.
The questions follow a formula.
On Monday, we get an email asking what we are working on. This allows us to see what everyone is doing, and in theory, makes offering your skills easier to do because you can see what you might be able to help with.
On Wednesday, the question is something about the company or our interaction with the company. One week this question was as simple as “Are there any company policies that aren’t completely clear?”
On Friday, the question is more personal. It’s a getting-to-know-each-other question. Last Friday’s question was “What’s something you want to do in the next year that you’ve never done before?”
I found that I don’t have an answer.
Right now, I don’t have any long-term goals. Recently, my personal life has been complicated enough that the idea of planning for later this year–much less the next 5 or 10 years–is more than I can deal with.
My side hustle goals are focused entirely on what needs to happen in the next week. Work goals are only a month out. My personal goals involve making it through the next few days without letting anything collapse.
Sometimes, life kicks you in the crotch so hard, you have to let the future worry about itself while you focus on what’s happening right now. Without a functional present, the future doesn’t matter. You have to focus on the Now first, or everything else evaporates.
It’s not a great situation, but it is an interesting perspective. I’ve spent so much of the last decade focusing on what comes next that what’s happening right now has suffered.
Focus on Now. Sometimes, What’s Next can take care of itself for a while.
What is a Mechanic’s Lien?
- Image via Wikipedia
When you hire someone to work on your property or provide material to build or improve it, they are entitled to get paid. A mechanic’s lien is the method of enforcing that payment.
Here is what you need to know about mechanic’s liens.
A contractor must usually give you written notice of intent to file a lien if the contract isn’t paid. He needs to do this within a short time of beginning the work. The notice will include text to the effect that subcontractors also have the right to file a lien if they are not paid. This notice gives you two methods of defense: You can pay the subcontractors directly and withhold that amount from the payment to the contractor, or you can withhold the final payment until you have received a lien waiver from each of the subcontractors.
If the notice isn’t given correctly, the contractor forfeits his right to file a lien. Also, in most places, if a contractor is supposed to be licensed to do the work, but isn’t, he’s not able to file a lien.
Subcontractors must also provide notice on intent within about 45 days–depending on the state–of the time they first provide services or material, or the lien is not enforceable.
Protecting Yourself
First, you only have to pay once. If you pay the contractor in full before getting the notice of intent from the subcontractors, you can’t be forced to pay again.
Next, make the contractor provide a list of all subcontractors and keep track of any notices of intent you get. Get lien waivers from everyone involved before you make the final payment to the contractor.
Finally, you have the rights defined in the notice of intent to file a lien. You can either pay the subcontractors directly, or you can withhold the final payment until you receive lien waivers from each subcontractor.
Resolution
The lien holder has 120 days to file the lien and 1 year to enforce it. Enforcing simply means that it a suit has been filed. Once that happens, you can either pay the contractor, attempt to settle with the contractor, or you can take the contractor to court to determine the “adverse claims” on your property. There aren’t too many choices at this point.
Do yourself a favor and get lien waivers before you make the final payment on any work done on your property.
Making Up Stories
Saturday night, as I was walking out of the pizza place, I saw a beautiful young brunette standing on the sidewalk talking on her cell phone.
As I walked past, I heard, “I could pay my rent if they’d just give me my last paycheck! They owe me like $200.”
That’s it.
Have you ever heard a tiny piece of a conversation and used that to build a back story in your own mind?
I do that all of the time.
In fact, I’m going to do that now.
First, what can I know from those two sentences?
- She was unemployed. She was more worried about her last paycheck than her next one.
- She had worked for a scummy, fly-by-night, something-or-other. Good companies don’t withhold paychecks.
- She had no emergency fund. If she had one, $200 would be an inconvenience, not a disaster.
- She rented, and had roommates. This conversation occurred in the parking lot of a pizza place in a reasonably affluent suburb. For $200, she wasn’t living alone. Whether she rented a room or shared an apartment would be a mere guess.
Those items can–I believe–be taken as fact, given the evidence at hand.
Now for the conjecture:
- She was a waitress. A $200 final paycheck probably means her hourly wage was low. Besides, pretty, young, unskilled girls often become waitresses. It’s one of the few ways to make good money without a degree of any kind.
- The restaurant wasn’t a chain. Chain stores have lawyers and procedures. They don’t withhold final paychecks.
- She invites drama into her life. When you work for a company that makes a habit of shady practices, like withholding final paychecks out of spite, you know it happens. It’s not a surprise. If you continue working there, you are just waiting in line for your turn to have problems.
- She wasn’t close to her family. In an emergency, $200 from Mom & Dad is nothing. In my mind, she only has one parent and isn’t close to that parent, but that’s purely invention.
- Her friends are in the same boat. Short-term planning, no reserve cash, no room to let a friend couch-surf for a couple of weeks.
- Next month, she’ll be having the same problems, but she’ll find someone else to blame. Her ex owes her money, or her roommate stole the last of her cash.
That’s my entirely unsupported guess of a young stranger’s life story. My opinion isn’t flattering, but how could it be, when $200 is enough to make the young woman panic?
Have you ever played this game?
Stand Up For Yourself
Monday night, my son was struggling to get all of his homework done before bed. He had a 6 page packet of work from his advanced math class that he was supposed to have done over the weekend.
When I asked him why he hadn’t done it, he told me he forgot about it.
I wasn’t happy.
We’ve had a lot of conversations about responsibility and planning over the years. He knows better.
Cue Dad Lecture #26.
Towards the end, when I’m building up this rocking crescendo about how what he does now will affect him for the rest of his life, I stopped.
“Buddy, weren’t you sick on Friday?”
He didn’t get his weekend homework until Monday. Of course he didn’t do it over the weekend.
Dad Lecture #26 immediately transitioned to Ad Hoc Lecture #4, titled “Why did you let me chew you out for something you didn’t do?”
I’ve always tried to raise my kids to be independent. I’ve never stifled asking questions, and I am willing to explain my decisions to them, even if they don’t stand a chance of winning the appeal. As frustrating as independent, strong-willed children can be, I know it will serve them well as adults.
Now I’m trying to figure out why that fell apart on Monday. I wasn’t yelling at him and he doesn’t think I was. Sometimes, the perception of who’s yelling differs depending on which side of my loud voice you are on.
He doesn’t know why he sat back at took the lecture instead of explaining what happened. He apparently forgot that he was given that homework just a few hours before.
My question to all of you is how can I make my kid behave and obey when necessary, but still have enough backbone to stand up for himself when he’s not wrong? And know when each is necessary.
