Here There and Everywhere

Expat wanderer

Car Rental Fees

I’m making a short trip, and as a mildly obsessive-compulsive person, I make and double check my reservations.

How can it be that a car rental that is around $25/day for five days can come out to MORE THAN DOUBLE what you could estimate the total cost would be?

Last time, I learned that if I rented the car for a week, and turned it in early, I still got a way better break on price.

I might have to try that this time. Taxes and ‘fees’. Tourist fees. Tire recovery fees. (They are always so surprised I read the rental agreements, LOL) Environmental fees. Fees for picking the car up at the airport. Oh, AAARRGH.

December 30, 2010 Posted by | ExPat Life, Financial Issues, Living Conditions, Rants, Seattle, Travel | 3 Comments

“I Need an Experienced Person Like You. . .”

Ah yes, have I mentioned to you all my experience building hotels? LLLLOOOLLLL!

Dear Friend,

I am Emmanuel Ajegba Esq the attorney to Chief James O. Ibori (former Governor of the Richest Oil Producing State in Nigerian for 8years, i am looking for your cooperation in building a Tourist Hotel or Real Estate in your country with my client funds that is deposited abroad in a Trust Account because i cannot be in charge of the funds myself as the attorney in charge, i have the power as the attorney in charge to make a new heir to the funds with the consent of my client (Chief James O. Ibori).

I am sorry if this is not in line with your profession. My client Chief James O. Ibori was arrested by the Interpol in Dubai for Money Laundering recently.

Please click for your perusal.
http://news.bbc.co.uk/2/hi/africa/8680569.stm

I need an experienced person like you to assist me to set up, develop the project and assume responsibility of ownership as chairman but will be bringing in profit/distribute profit monthly or annually.

I shall give you more information as regards this transaction as soon as i hear from you.

Regards,
Emmanuel Ajegba Esq

December 25, 2010 Posted by | Financial Issues, Humor, Scams | Leave a comment

The Gift

AdventureMan and I used to have lavish Christmases, trying to delight one another, and we did. One year, I bought his some crystal goblets he had been admiring, and some years I was able to add to his collection. One year, he bought me a Mont Blanc pen, which I adored, and another year two beautiful salad serving bowls with irises in them. (I still have them and delight to use them.)

This year, he gave me the best gift of all. I was working on a committee in our church, helping to make sure children we had volunteered to sponsor in the Salvation Army angel program received gifts of clothing and a toy or bike or age-appropriate gift. There were a few children at the end who had not found sponsors, but other people had chosen to donate cash or checks in lieu of sponsoring a child.

As we were getting ready for church, AdventureMan told me he had an idea for my Christmas gift, but he wanted to run it by me.

“How about if I make a donation to the Angel Tree, to help sponsor the kids who don’t have sponsors?”

He took my breath away. He can still do that.

We are not rich, we are modestly comfortable. We have always lived within our means, and placed a high value on saving. We have a comfortable home, enough to eat, and we keep our spending under control so that we even continue to grow our savings a little while we are now ‘retired.’ There is nothing I need for Christmas.

I’m still grinning from the grandness of his gift; the delight it continues to give me every time I think about it.

The Salvation Army has one of the lowest rates of administration funds to charitable funds of all the charities in America. They make every dollar you donate squeak, they work it so hard. They feed the poor, they give hope to children, they comfort the homeless and veterans, and they counter pornography and human trafficking (Yes. It happens in America, too.)

To find out how you can help this organization which helps so many, so generously, just click on the blue type Salvation Army and it will take you to their home page. There are many options for giving, including donations, giving of your time and energies as a bell ringer, or working with them in a variety of human services.

December 20, 2010 Posted by | Aging, Character, Charity, Community, ExPat Life, Family Issues, Financial Issues, Florida, Living Conditions, Pensacola, Social Issues | 1 Comment

What Michael Gates Gill Found at Starbucks

This is from a newsletter we get by being subscribers to Bottom Line Secrets from whom we get a hard copy newsletter, and daily additional articles in e-mail form.

What I Gained When I Lost Everything…

Michael Gates Gill

Fourteen years ago, at age 53, Michael Gates Gill was at the top of his game — he had a lovely wife, an expensive home and a $160,000-a-year job in advertising. By age 63, he was divorced, unemployed and nearly broke — then his doctor informed him that he had a slow-growing brain tumor.

In desperate need of health insurance and a regular paycheck, Gill took an entry-level job serving coffee at Starbucks for $10.50 an hour. To his amazement, he loved the work.

Four years later, Gill no longer needs the health insurance — he now is old enough to qualify for Medicare. He also has sold his life story to Hollywood (Tom Hanks is expected to portray Gill in the film), but he plans to remain at Starbucks — he enjoys the job. He has chosen “watchful waiting” as the treatment option for his brain tumor.

Bottom Line/Personal asked Gill to share what recent years have taught him about life…

Your own expectations can constrain you. In my earlier life, I defined myself by my career and social status — I was an affluent, Yale-educated ad executive. When I lost my job in advertising, I was certain that the solution to my problems lay in landing a new job in advertising or, if not that, a new client to get my own advertising consulting business on its feet.

My mental image of myself prevented me from considering opportunities that did not fit that picture. I could not see myself in a service-sector job wearing an apron and a baseball cap — even though Starbucks’ generous health insurance plan offered a solution to my most immediate problem.

It took an outside force to break me out of this box. I was in my local Starbucks when, out of the blue, a manager asked me if I needed a job — it turns out that the Starbucks I had entered was having a “Hiring Open House.”

You may not know your true priorities. I spent most of my adult life chasing bigger paychecks, loftier job titles and flashier possessions. These were my goals not because I chose them, but because I never considered that any other goals existed. My friends and family seemed to want these things, and I assumed that I wanted them, too.

When I accepted the job at Starbucks, it struck me that I probably would never again have money, titles or expensive possessions — yet one evening at Starbucks, I realized that I was as happy as I had ever been in my life. This “low-level” job gave me supportive bosses and coworkers, lots of human interaction and enough money to live a simple life. These were my real priorities, and I had never even known it. Instead, I had wasted most of my life pursuing other people’s goals.

Perhaps I could have discovered my true priorities long ago if I had listened to my heart, rather than allowing myself to get swept along in what those around me were doing.

Trust the universe. I thought of myself as a master of the universe when I was young and successful. Only later did I discover that no person is a master of the universe, and it is foolish even to aspire to be one. Trying to master the universe means struggling against the tide of events, which rarely works. When the universe pushed me out of the executive suite, I tried to take charge and reclaim the life I had had previously. I did not find happiness again until I stopped fighting the tide and started swimming with it to see where it led.

Any task can be worthwhile if it involves serving others. I had considered serving coffee an unimportant job — until I figured out that my job was not really serving coffee at all. It was serving my customers and my coworkers. I might not be curing cancer, but I am doing my best to make life a little better for anyone who steps through the Starbucks’ door. There are few feelings as wonderful as the feeling you get when you help someone feel better.

Having money only creates a desire for more money. I earned a lot in my previous career, yet I was always in debt and worried about finances. Today I no longer have a car, a big house, stylish furniture or $2,000 suits… and I do not miss my former possessions in the least. I can’t even remember why I thought they were important. Living without luxuries doesn’t feel like a sacrifice. I love my cozy apartment. I love that I can go for a walk or sit at home reading a book and not feel that I should be out at a business event or an expensive restaurant.

The best jobs are those that keep you in the moment. Much of my 26 years in advertising was wasted in meetings. Many times we had meetings to prepare for other meetings. We were living not for the moment but always in the future.

Only when I started working behind a counter did I discover the joy of work that keeps you in the here and now. There are no long-term projects in my new career. When I prepare a cup of coffee, I don’t worry about past mistakes or future challenges. I just do what I am doing right now to the best of my abilities, and I immediately see the results of what I have done. That is a wonderfully gratifying way to live.

Most people work long hours and think about their jobs even when they are home. When I worked in advertising, a boss once ordered me to fly to Detroit on Christmas while my young children were still opening their presents. I went.

I love the fact that now when I leave work for the day, I do not think about my job again until my next shift. That is what a job should be — a relatively small part of life.

True, jobs that offer lots of free time are unlikely to be very lucrative — but the free time they provide can lead to even greater financial success. I used some of my free time to write a book that will soon become a movie. If I were still a “successful” executive, I never could have found the time to write.

The only job that’s beneath you is one that you do not give your full effort to. I no longer consider it degrading to clean the toilets in a coffee shop bathroom. What would be degrading would be cleaning them poorly. Doing a task well — any task — is a source of self-respect.

It is natural to fear change, but things are rarely as bad as we fear. When we’re faced with change, we worry that we will not be able to adapt or that we will not enjoy our new situation. I was scared of taking a job at Starbucks… scared that I wouldn’t get along with coworkers half my age… scared when I was put in charge of a cash register, because I have never been very good with money.

Each time, I was scared before the change occurred — yet once it did, it was never as bad as I had feared. Sometimes we just have to take that leap into a completely unfamiliar situation and expect that we will rise to the challenge.

Bottom Line/Personal interviewed Michael Gates Gill, former creative director at J. Walter Thompson Advertising and currently an employee at a Starbucks in Bronxville, New York. He is author of How Starbucks Saved My Life (Gotham)

December 8, 2010 Posted by | Financial Issues, Health Issues, Living Conditions, Social Issues, Values, Work Related Issues | 8 Comments

“I’m Not Sure I Agree With What I am About to Say”

After all these years . . .

AdventureMan can still crack me up. As we were talking the other day, he started a sentence with “I am not sure I agree with what I am about to say . . .” and he didn’t get any further. I was cracking up too badly to listen. Like – if you might not agree with what you are about to say, why on earth would you say it??? I didn’t even have to say it, he started laughing, too, and whatever he was about to say did not get said.

This morning, he came in wanting to interrupt me with some item of business and I glared at him. I glared at him.

“I’m paying bills.” I said. That says it all. Paying bills is stressful for me. Historically, as a young military wife, it was all about making sure the bills were paid and wondering how much money would be left after paying all the bills. We never did not pay a bill. We often eeeked our way from paycheck to paycheck.

Now, by the grace of God, there is enough money, even retired, but we still need to be careful, and I particularly try to be careful because so much is done electronically, that transposing two digits could post a payment to the wrong account, or pay the wrong amount. For me, it takes concentration.

“After 37 years, I should know that, shouldn’t I?” he asked, backing carefully out of my office.

LLLOOOOLLL.

December 7, 2010 Posted by | Aging, Communication, Family Issues, Financial Issues, Living Conditions | 6 Comments

When Bureaucracies Function Well

This week AdventureMan and I explored something new in our lives – Early Voting. We had heard about it from our friends. It’s not like absentee voting, where you are mailed a ballot and you mail it back in after you have filled in your votes. With early voting, you can actually go to a voting place and vote.

We went after lunch, and we didn’t know where it was, but once we got near, we started seeing signs. Great signage.

When we entered the door, there was a lady there to tell us where to go – and more signs, too.

When we got to the right floor, there were signs with arrows and “Vote Here” on them.

When we got to the voting office, there were lots of people to help us get our ballot. When I messed up my first ballot (I hadn’t read an amendment carefully), they quickly did all the necessary paperwork and got me voting again. The second time, the machine accepted my ballot. 🙂

All in all, a fabulous experience. And – they gave me a sticker! We were so impressed with the careful attention to detail that had gone into getting us to the right place and getting our vote accomplished.

Later in the week, I had a mammogram. Being new, I am not in the system, so I have to go through admitting procedures every time I go to a new doctor or a new institution. At the West Florida Hospital, as soon as I got to the right room, I could see a sign telling me where to wait my turn. The receptionist was welcoming AND efficient. There were a lot of people waiting, and one by one we were taken in to have our paperwork done. No need for a pen; you sign on a machine, like you do for credit card purchases in many stores. Then you sit in a small hallway until someone calls your name and you become a human train as a guide leads you to your stop. That part was half hilarious and half annoying. If I knew where it was, I might have gotten there faster on my own, but . . . I didn’t know where it was. As far as systems go – it worked. It kept people orderly. It got a lot of people in and out efficiently, and fairly. No one can break into the lines, claiming to be more important. I am guessing if there is a patient whose malady is serious enough to take precedence, they have procedures they can follow separate from the normal intake procedures.

I have to stop and admire when bureaucracies function as intended, to help us more efficiently accomplish our business. It is when they become a stomping ground for nepotism and inefficiency that they earn my ire.

When I arrived in Qatar, my bank had a Women’s branch which was convenient for me and I loved going there. I was often the only customer, and the women taking care of me were always charming, helpful and friendly. When the same bank broke into another section and became an Islamic bank, instead of a normal bank working with Islamic customs, I was no longer able to use the women’s bank, but I’ve always remembered their personal customer service.

On the other hand, banking in Qatar could be totally tortuous, if you had to use the normal bank where Mr. Important would walk right in front of you as if you didn’t exist, or certainly, as if you were far less important than he was. In Kuwait, at my bank branch, you took a number, and it appeared to me that most of the time the number system was honored, unless it was a personal friend, LOL. Personal friends, or friends of the family, or a friend of a friend of the family always get to go first.

I suspect there are similar exceptions in Pensacola, but less transparent. Mr. Important has his own banker he can go to without waiting, probably in a private office, and it is invisible to the rest of us. Ms. Important, on the other hand, probably has to wait in the waiting room with the rest of us for her mammogram.

October 23, 2010 Posted by | Adventure, Aging, Bureaucracy, Community, Cross Cultural, Customer Service, Doha, ExPat Life, Financial Issues, Florida, Friends & Friendship, Kuwait, Pensacola, Qatar, Values | 5 Comments

Anti Poverty Team Needs You in Escambia County

Volunteers Needed for Bridges to Circles poverty initiative!

If you are committed to making our community better by countering poverty or its impact on people and businesses in our community, come explore the innovative concepts from the trainers of Bridges to Circles. We believe this training will have a significant impact on how individuals relate to one another and to those living in poverty.

The Bridges to Circles poverty initiative, in collaboration with Unite Escambia’s Poverty Solutions Team, is actively working with families who desire to move from living below the poverty line to self-sufficiency. We are in need of community volunteers who are willing to serve as allies for these families.

If you are interested in volunteering please attend the Bridges Out of Poverty workshop on Thursday, October 14, 2010 and Hands-On ally training, Thursday, October 28, 2010. All training is conducted from 6-8 pm at the Catholic Charities Outreach Center, 1815 N. Sixth Avenue. For more information, contact Haley Richards, Bridges to Circles community organizer, at 429-7296, ext. 17 or email richardsh@cc.ptdiocese.org.

Thank you for supporting our efforts to reduce poverty in Escambia County!

Haley Richards
Bridges to Circles Community Organizer
Catholic Charities of NWFL
Office: (850)429-7296, ext 17 or (850)293-9565
Join us on Facebook!
Learn more at http://www.uniteescambia.com/

October 1, 2010 Posted by | Bureaucracy, Charity, Civility, Community, Family Issues, Financial Issues, Living Conditions, Pensacola | Leave a comment

Cox Customer Service

On my recent Cox bill, in tiny print, I found the following:

Attention: Beginning (date) the price for the Cox Service Assurance Plan will increase to $5.95 per month plus franchise fees and taxes. The Cos Service Assurance Plan offers you protection for some of the inside wiring connection of you Cox services including Cox TV, Cox Advanced TV, Cox High Speed Internet, Cox Home Networking and Cox Digital Telephone. For more details on how the Service Assurance Plan protects your Cox services please call a Cox Customer Care Representative at (phone number).

My question . . . When you subscribe to a service, and pay a monthly rental on the equipment they provide to provide their service, doesn’t that SERVICE cover fixing things that go wrong with their equipment??? I should have to pay $5.95 a month MORE to ‘assure’ SERVICE???

September 27, 2010 Posted by | Cultural, Customer Service, Financial Issues, Florida, Pensacola | 3 Comments

Show Me the Money

Two themes came together, early this Sunday morning in Pensacola, first, as Father Harry spoke to us at Christ Church this morning on stewardship, and giving generously, and then later, as I was reading my Sunday Pensacola News Journal, an article on our elected officials, and their finances, their net worth and where their money is coming from.

Father Harry spoke about the rich man, at whose gate Lazarus begs, covered with sores, and then, at death, how the rich man asks God to send Lazarus to wet his lips, as he burns in the eternal hellfires, and Lazarus sits with God. He also asks God to send Lazarus to warn his rich family members that their choices, their lack of generosity, will have consequences, but God says (I paraphrase here) that Moses already told them, and earlier prophets, and that if the rich didn’t listen to them, they are not going to listen to Lazarus.

To me, it seems a given, that if you are blessed with plenty, then you have an obligation to help those who struggle. It isn’t necessarily money, it can be food, it can be time, it can be expertise, or – in my case – it can even be fabric. 🙂 We learn it in pre-school and kindergarten, don’t we? Share what you have, and everyone gets along.

It totally boggles my mind that many of our good friends, government and military people, have excellent health care under a highly socialized system – that’s what the military health care system is all about, we all have access to the same treatment. Many of the people who have access to medical treatment become rabid about supporting health care for those who don’t. Part of it seems to be “I earned it, and those lazy bums expect it for nothing.”

Most of my life, I’ve worked with ‘those lazy bums’ and have grown to have a lot of understanding and compassion for the circumstances that can make an entire family bone poor. Sometimes, it is poor choices – but how do people learn to make better choices without help? How do people aspire to more when they think that the ‘more’ is inaccessible to them?

The face of our nation changed after World War II when many more Americans gained access to higher education as a veteran’s benefit; prior to the GI Bill, higher education was only available to those comfortable people who could afford it.

Also in today’s Pensacola News Journal is an article about Study: Educating Women Saves Millions of Children which is an Associated Press Story about a study published this month in Lancet. “Educated women tend to use health services more and often make better choices on hygiene, nutrition and parenting,” the study (funded by the Bill and Melinda Gates Foundation) concludes.

And last, in the Pensacola News Journal, is an article that makes my heart sing, that makes me proud to live in a democracy, the article about how much our elected officials are worth, and where there money is coming from. I love it that we hold our leaders accountable, and that their wealth is (theoretically) transparent to us.

I’m a great advocate of wealth. I admire people who create wealth, who invest, who work hard for their money. The best of these people, and I mentioned Bill and Melinda Gates (above) for a reason, give back generously. Many people don’t start out rich, they start from little or nothing and build slowly slowly until they have reached a comfortable level. Sometimes, even in hard times, if you have built a strong foundation, that money just keeps multiplying, especially if it is invested with some diversity.

“It’s called the law of the harvest,” my Mormon friends told me when we were discussing how what you give comes back to you multiplied. It was so graphic, I’ve never forgotten it. There is nothing wrong with money. Money is just another tool, like a computer, or a hammer. It’s what you do with your money (tool) that makes the difference. Money is kind of like a seed, you plant and you harvest, but it is also like fertilizer – you spread it around, and amazing things happen.

Having money is a blessing, and giving it away is even more of a blessing. When you give, good things come back to you, multiplied. It’s the Law of the Harvest.

September 26, 2010 Posted by | Bureaucracy, Character, Charity, Civility, Community, Family Issues, Financial Issues, Florida, Fund Raising, Health Issues, Leadership, Living Conditions, Pensacola, Social Issues, Spiritual, Values | Leave a comment

Guide to Giving to Beggers

I don’t see so many beggers in Pensacola, but I do see a lot of men sleeping rough; the warm temperate climate here attracts a lot of homeless. The churches provide hot breakfasts, sometimes, and there is a homeless shelter and long term transition facility downtown. Giving to beggers was a much bigger issue in Qatar and Kuwait, where the begging woman with the baby in the souks or the guy with the plastic bag full of urine and blood would accost me, and I always had half a feeling I was being scammed.

Today’s reading in Forward Day by Day puts it all in perspective:

THURSDAY, September 23
Luke 4:14-30. The Spirit of the Lord is upon me, because he has anointed me to bring good news to the poor.

Snow fell on me as I waited for a cab. A rumpled homeless man in a stocking cap and fingerless gloves asked me for money.

I like to know that anyone I give money to is worthy (which usually means working or actively looking for work) and I don’t want him spending the money on alcohol or drugs. So I donate through a church or community organization. Pastors usually encourage that kind of giving.

I gave the man twenty dollars because I’d just been to the ATM and had nothing smaller. He stared at me for a moment and stammered, “Ma’am? You meant to give me a dollar, didn’t you?” When I said no, he put his head back and began to yell, “Thaaaank you, Jesus!” over and over. He went to a nearby coffee shop and came out with a huge cookie and a cup of coffee, still singing out, “Thaaaank you, Jesus!”

What if a beggar misuses my money? That isn’t my business. Giving to a beggar is between me and God; what he does with the money is between the beggar and God. (2004)

Thank you, Jesus. 🙂

September 23, 2010 Posted by | Charity, Cross Cultural, ExPat Life, Financial Issues, Florida, Living Conditions, Pensacola, Spiritual | 3 Comments