Category Archives: money

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My father is furious.  My mother is ready to kill me.  Daddy’s gone through the time on the engine and my mother has gone through her gas card receipts and they know what I’ve been up to.  My weekly trips to the beach have to stop.  I’ll never forgive the line boy at the Myrtle Beach airport.  He said to my dad, “What are you doing flying Suzanne’s airplane?”

I could have gotten away with my scheme for all four years of college if he hadn’t opened his big mouth.  My girlfriends and I only went once a week and our grades were good. We never skipped the same class two weeks in a row.  Who were we hurting?  Well, maybe we were hurting my chemistry grade, but I really didn’t care.  I hated that class.

My mother tells me that there is a job opening at a local hardware store.  I’m to report on Monday morning.  She has it arranged already.  I’ll be working in the toy department, since I’m not exactly a tools and hardware type of person.  This is horrible.  This place is smelly and the aisles are crowded. It is a place where I would never go voluntarily.  I am pissed.  Maybe I should steal the plane and run away again.

I show up at work and learn the various boring things that I’m supposed to do.  I walk around and look at the toys, wind a few up just to be obnoxious, then go back to the counter and hang out.  The more I can wind up, the more obnoxious the noise.

At the end of the day, I am informed of the closing routine, and know immediately I’m going to hate it.

“Suzanne, please get the vacuum and vacuum the aisles in the department, then wipe the counters so everything is spotless for tomorrow,” the boss demands.

One of the guys I’m working with is selling Amway.  He sees this as a temporary job, though I have my doubts he will ever get rich with any kind of multi-level marketing.  He goes to all of these meetings that are kind of like pep rallies.  He tries to get me to go.  No, thank you.

I see this job as a sentence to hell.

I wonder if vacuuming is my job because I’m the only girl but I bit my tongue.  How do you turn on a vacuum?  I am not going to ask for help.  I can figure this out.  If I can fly a plane I can do anything.  I find the switch and start to vacuum.

On Aisle 3 I confront the biggest cockroach I’ve ever seen.  I quickly suck that bastard up with the vacuum cleaner before it can get away.  I finish and I go home, but not before I stop at the library and look up alternate careers.  My mother may have squashed any dreams of a career in interior design, but I can do better than this.

And I did.

The Saga of the Missing Cat

In anticipation of my husband’s birthday party and 100 guests walking in and out of our home, we decided to board our cats with Plantation Animal Hospital, the veterinarian we had used for over three years in Macon, GA.  You can imagine our surprise when, on Friday afternoon, someone from the vet’s office called and asked us to come as soon as we could.  She was apologetic when she explained one of our cats, Chanel, had escaped.  The person who was moving the cats from their individual crates to the kennel had left both crates open, and at the same time had left a door to the outside propped open with a rock.

Chanel always tried to escape outside and this was exactly the reason we had decided to board them.  They would be safe, right?  Wrong. We made our way to the vet’s office and walked all around outside, calling Chanel and looking for signs of her.  Heartbroken, we went home after an hour of futile searching.

By Saturday afternoon, we were frantic and had exhausted our search efforts.  We posted photos and notices on social media and animal rescue sites, but we heard nothing. At 2:00 p.m., my very sad daughter posted a negative review on the veterinarian’s website, and got an immediate response:  they had found our cat and she was secure inside.  Soon after, I got an apologetic email from one of the vets, Dr. Susan Howard. It would be too little, too late.

Early Monday afternoon, my husband went to pick up the cats and bring them home.  You can imagine his surprise when our grey and white female cat had been transformed into a black male cat!  Surprise quickly turned to anger.  I was on a plane already for a business trip, so I was of no use.  All I could do was worry.  How could this be?  I had sent them photos of the cat.  They had records of the cat, so how could they confuse a black male with a petite grey female cat?  Had anyone even seen our cat?   Don’t cats have medical records?  Especially when this has been her vet for over three years and she had been boarded in the past?

We had two cats at the time, Chanel and Valentino. I had Chanel from the time she was a kitten and I inherited Valentino as an older cat, from my cousin, and he was not my favorite cat.  I had him only because my cousin’s dog kept trying to eat him, and I took him to keep him from going to a shelter.  But we never connected.  One of our grandsons said we needed to respect him anyway, because he was a cat. I could have dealt with losing Valentino, but not Chanel.

 On Monday night, four days later, and we still had no Chanel and no answers.  Chanel is the best pet I’ve ever owned, with the possible exception of my horse, and I was so angry.  Two weeks passed and still no answers.  Animal rescue groups shared my blog post and Plantation Animal Hospital blocked me on Facebook and Twitter.   My friends persisted in sharing “wanted” posters and in calling the vet.  I was heartbroken.  The vet used my photo and made a reward poster, which was shared throughout the area.  $500 for my cat.  They needed to do that.

Three weeks after Chanel disappeared, someone found her and claimed the reward.  She weighed less than 5 pounds.   The vet gave her IV fluids and checked her thoroughly.  We were finally able to bring her home.

This sounds like old news, and maybe it is, however just this past week I have had two friends who have had bad experiences with this same animal hospital.  I’ve had other friends whose cats have been lost by vets.

We’ve since found another vet that we like and Chanel seems okay with him.  The office is nice and they get us in fast.  I like them.  Two years later and we still don’t board Chanel when we travel.

I wish I could tell you how to find a good vet.  Get recommendations from trusted friends and read the reviews online.  Meet the doctor and the staff and ask questions.  Veterinarians are so specialized now and make sure the doctor you choose is comfortable with your breed.  You and your pet should both be comfortable.

What an experience!

 

Revising my father’s eulogy

I began the eulogy by saying the Webster Marlowe his friends in Palatka knew was not the same man I knew as my father.  I think I truly believed that until last Sunday, before I received a call from Patty.

Sunday started out like any other.  We woke up, showered, and went to choir rehearsal at Christ Church.  It should have felt good but it didn’t.  I didn’t feel right.  I wasn’t happy to be there.  It wasn’t anything particular; I knew the music and I love our choirmaster, but I just felt off.  I got the car keys from my husband and told him I would see him after church.  He was concerned, but I told him I was okay.  I just needed some time.   I needed to be.

I went out to the car and as soon as I opened the door my cell phone rang.  It was a number from Jacksonville, Florida, so I assumed it was Mayo Clinic or something.  Normally I would decline the call, but I hit the button and said hello.  The caller said she found my name when she was searching online for my father, Webster Marlowe.  Patty had been on a trip to Haiti with him and she found my blog post.  She said her plan was to build a hospital in Haiti with Daddy’s name on it.  She said she was honored to have helped him.   She talked of his hard work and his compassion.  The more she talked the harder I cried.  Then she gave me the phone number of another of Daddy’s friends, Donnie.

Donnie opened my eyes.  I knew my dad as an entrepreneur, a business owner, and as a person who was highly creative, but I never connected this with the man who seemed to be obsessed with Haiti. When I heard the story, though, I knew. It clicked.  Daddy was never one to turn down someone in need.  If a problem needed solving, Daddy would figure out how.  My mother reminded me how he once fixed an oil leak on our Cadillac by running a hose from the leak back into the engine.  My dad could fix anything.

On his first trip to Haiti, his job was to do handyman type work for the Baptist church.  He was to fix broken hinges and rehang doors; he was to do anything that required a hammer and a saw.  As he was working, a man approached with a wooden leg and carrying a piece of wood.  “Can you help me with a new leg?“ the man asked.  Daddy told him he didn’t know anything about that, but the man insisted that with his hammer and saw, Daddy had all the tools he needed.  The next morning Daddy was met by a larger group of amputees, each carrying wood and asking for help.  Webster Marlowe did not know how to say no to anyone who needed help. I’ve known this my entire life.

 

Donnie taught my dad how to use composites to make the legs and introduced him to a prosthetist in Gainesville who could help train him.  Someone else donated titanium.  Titanium! I introduced him to a prosthetist in Georgia, though I was never crazy about Daddy going to Haiti.  The demand grew and over the next 20 years, Daddy fixed and replaced all kinds of legs. He would get emotional as he talked about people who had worn out their legs, children coming back when they had outgrown their legs, and especially when he talked about how the demand outweighed his ability to supply.

While the Webster Marlowe of Palatka didn’t wear suits to work and didn’t drive the latest cars, he really was the same compassionate and caring man whom I called Daddy.  I’m closer to understanding why he was so drawn to Haiti, but I’m not quite there. What I do know is that my dad was a remarkable individual throughout his life, and maybe that is enough.

Winning the Lottery

I won the lottery this week. Not the Georgia Lottery, but one even better than that.  I’d have to play the lottery to actually win, and I can’t really see the value in that.

This week, I got to spend time with my mom, I introduced one of our grandsons to one of our favorite books, I had a picnic with a new friend, I started physical therapy for my knee, I went on a walk with another new friend (or I tried), I saw a movie with Michael, AND I made another new friend.  The icing on the cake was finding out I could go to college in Georgia for free.  Age does have its privileges.  Can you imagine a better week?

Let’s start at the beginning.  My mom is always fun and anyone who knows us knows we love road trips.  We just came back from a successful road trip with Sloan, another grandson, and he liked our habit of listening to audiobooks on the road. With Jacob, a somewhat reluctant reader, we chose “Skink, No Surrender,” by Carl Hiassen.  Carl Hiassen is one of our favorite authors and even his books for young readers keep us entertained.  Jacob laughed the entire trip and even asked to turn on the phone when we got inside. He couldn’t get enough!

We got home Tuesday evening and on Wednesday morning I had an appointment.  This was where I met my new friend, Mike, in the most unlikely place. We had already talked on the phone and I knew he was very helpful, but when we met in person we clicked.  You can never have too many friends.  He’s a smart guy, a social worker, and I’m adding him to our Boxing Day party list.  Not just everyone goes on that list!  Thank you, Mike.  I never expected to find a new friend that day, especially when the next lady who came in acted like I was some kind of nut case.

This was a very quick trip and I’m on a diet so I got three barbecue sandwiches that I intended to ration carefully.  I ate one for supper on Tuesday and I knew both needed to be eaten on Wednesday, but there was no way.  When my friend Lawrence said the magic words, I suggested a picnic on Wednesday.  The weather was perfect and we ate under a big tree at Wesleyan College.  The company was outstanding, even though we were both eaten up by ants and I’m still itching.  If you know me very well, you know I don’t share my barbecue sandwiches with just anyone, so you know Lawrence must be a very special friend.

Paige Parker is the best physical therapist in the world.  If anyone can help my knee, Paige can.  She worked miracles with my shoulder.  I’m highly motivated, but she pushes.  I’m optimistic.  Getting an appointment brightened my mood.

The best laid plans don’t always work out, and the rain prevented my walk with Hal.   I have so much respect for Hal Brickle and his work with the weekend lunch and I couldn’t wait to walk with him, so off we went. We got to the stop sign, and down came the rain.  I hobbled back to the car and he ran a little faster.  J

As I said, the icing on the cake was finding out I can go to college for free at state schools in Georgia. I’m particularly interested in the history program at Middle Georgia College, perhaps the music program there, the theatre program at Georgia College in Milledgeville, or if I’m really serious about studying, economics at Georgia State University.  For $49 per course, I can even go to Emory University.  I could get a BSN at Middle Georgia College, but I think I’m over that.  I think I want to do something FUN!  I may be the only person, though, who thinks public policy and economics sounds like fun.

First, though, let’s get some money coming in on a more regular basis. But this has certainly been a fun week.

The Saga of the Sink, or Why I Believe in Design

Anyone who knows me well knows I have a low threshold for certain normal things.  I can handle a jet or a DC-3 losing an engine, but household things confound me.  What to wear is a huge decision.  I’m not good at it. I am easily overwhelmed by choices and decisions that a normal person might easily make, or even enjoy making.  I enjoyed these decisions when we built our last home, but we’ve moved to Macon and life has changed. I know my limits.

It was a leak in the kitchen faucets and mold that sent me over the edge.  I was calm at first, as we cleaned everything out of the cabinet.  I thought this was a repeat of our last leak, which was covered by our insurance, so I called that contractor.  The guy came out, removed the kick plate under the cabinet, and our sink fell down.  The contractor immediately denied responsibility and said this was a different leak.  I didn’t feel like fighting but when the sink crashed down, I lost it.

My husband is the kindest, most patient person in the world.  He took charge.  When we got to Lowe’s to find a replacement sink and faucet, there were too many choices. My eyes glazed over and Bob sensed a meltdown in my future. “You know, we should just call Bonnie.  She’ll know what to do.”  I married better than I deserve.

Bonnie Dowling is my friend.  We met at church and I trust her.  She has transformed our home and has saved us money.  She’s saved me time and my sanity.  She is a stunning individual, beautiful inside and out.  She’s smart and she’s talented, and she is always color coordinated.  I wish I had that talent. I trust her.

I believe in interior design.  I’ve tried doing things on my own, but Bob repainted the master bath three times in three years.  That’s pushing the limits of a very good and patient husband.  Bonnie helped me narrow down the color choices from the 4 million paint colors out there (and the crazy names!) to three.  I didn’t want to live in a box of crayons, though I love color.  Bob was happy to paint once more, but he drew the line at repainting every year.

Bonnie took charge and I could relax.

It hasn’t been easy.  Who knew there were so many different kinds of sinks?  One bowl, two bowls, lower center division so you can wash large pans?  Then you get into how many holes do you want for faucets and dispensers.  One?  Two?  Three?  And what do you want the holes for?  Soap?  Hot water?  Two controls for water, or one?  Do you want a sprayer?  If you want a sprayer, do you want it separate or part of the faucet?  Bonnie is a superhero.  Who knew there were all of these options and decisions?

Our home was built in 1996 and our sink is larger than normal, and we couldn’t have gotten one from Lowe’s anyway. No one sells a sink that fits the hole in the countertop.  A new sink with countertop modifications would have set off my husband’s defibrillator.  The best option was to use the old sink with its three holes and replace the faucet and sprayer.

Bonnie’s strategy was brilliant.  She sent me no more than five choices for anything.  This was more manageable than the 10,478 on build.com.  I chose one and then we had to figure out what to do with the rest of the holes in the sink.  That was relatively easy.  A hot water dispenser and a soap dispenser will fill in these other holes.  A piece of cake.

Compared to the sink, the cabinets were easy even though the cabinets themselves had been discontinued.  Bonnie had a super cabinet maker who was able to replicate everything.  No problem.  He could also remove our trash compactor and  give us additional cabinet space.

We received Bonnie’s bill for January today, and it took her only 5.5 hours to do what it would have taken me weeks to do.  She’s a pro.  She’s allowed me to focus on what I do best, growing my business and loving my family.  It has been stress-free.

I believe in design.  This isn’t a paid announcement or commercial of any kind, but just an affirmation following a bad experience fixed by a good designer.  It is an affirmation of friendship and respect for someone who knows what she is doing.  It is a statement of respect for a profession whose members provide a great benefit to their customers.  As I have told my children many times, just because you can doesn’t mean you should.  A good designer can save time and money.

Disaster averted.

 

 

Mindfulness and Intentionality

 

The holidays are a perfect time to think about mindfulness and intentionality. It is easy to get caught up in buying gifts for people who don’t need anything, resulting in spending valuable time and money on things that aren’t important. Mindfulness allows us to enjoy the holidays through our presence, without the undue pressure of juggling what is important and necessary with what we feel we need to do. Intentionality allows us to make the important decisions and weigh the cause and effects of our decisions.

The simplest way to think about being intentional is doing the right thing for the right reason. Being intentional means making decisions that lead you towards the intended outcome. It is drawing on your inner strength to make choices that are right, in a purposeful and deliberate manner. It is weighing the pros and cons before making a decision, and choosing to be an active participant in life. I know my decisions may not be right for everyone, and that is okay. I accept responsibility for my life and my decisions, and I am aware of how my decisions will affect others. I recognize that I do not live nor work in a vacuum and that actions and decisions have consequences, therefore I act intentionally and consider all outcomes.

Part of being mindful is paying attention and being present. Mindfulness involves the deliberate attention to what is going on around with you. It is being aware of the people around you and recognizing their worth. It involves looking at people in a nonjudgmental way and accepting everyone for who they are. This is actually one of the most important lessons I learned from my father, who taught me to treat everyone as if he or she was the most important person I had encountered that day. As Mayo Angelou said, “People will forget what you said, people will forget what you did, but people will never forget how you made them feel.” Being present and treating the people around you as if they were important is the first step in building the solid relationships that will help you be personally and professionally successful.

There are consequences to every decision you make and some of your professional decisions can have a profound influence on your personal life. I made the decision to sell my business and pursue a doctorate, but I gave little thought to how it would change our lives, even the lives of my adult children. The demands on my time virtually eliminated any normal family time for the next three years. While none of us now regret my decision, there were times when everyone had to make sacrifices. I left a lucrative corporate job to teach, and that has resulted in lifestyle changes. I wish I had involved my husband more in my decisions, as he was the one who had to bear so much more of the workload at home. Sometimes the tough decisions and the results can be hard to swallow, but if you are deliberate in your thinking and consider all angles, the tough decisions may be a little easier.

We’ve just come through a very difficult political election. Many of us have not been mindful in things we’ve said and the conclusions we’ve drawn, and some of us have been unfair to people who are close to us. There have been articles about people who dreaded Thanksgiving dinner yesterday, and others about acceptable topics for discussion. My hope is that we can come together and approach the future with both mindfulness and intentionality, and heal some of the hurt of the past 18 months.

September 11.

September 11. Home.   Not happy. I should be flying. Nothing to do but maybe I could go play golf. 8:45 a.m. I hate morning television shows but I go into the living room and turn on the TV to CBS. Before I’ve brewed my tea, the nightmare begins. My cousin calls first. Ken wants to know I was safe.  Phone calls continue throughout the day and night. No one can believe it.

Days earlier, I had been in Columbus, Ohio. “Please, Chris. Please! Let me go out early!” I begged and pleaded but the answer stayed the same. Chris said I needed to stay home. What did he know. I just wanted to fly. I was already going out on September 13, and I was wrapping up an extended tour. It was a game to work your schedule so you could fly on your off days and stay home on your work days. This meant $$$.

The airspace was reopened on September 13 but our passenger didn’t want to go. My copilot was a skinny guy from Alabama. The silence over the airways was deafening. I thought of “The Stand” by Stephen King, where everyone disappeared. Periodically we’d key the mic and ask ATC if they were still there. Yes, but quiet.

As we crossed over Richmond going into Baltimore, we were told to look out for close traffic on our wings. I never dreamed of a military escort, not in my wildest imagination. When we arrived at Baltimore, our identification was checked before we got off the plane. It was a somber day as we awaited our passenger, a senator from Wisconsin who was attending the memorial service. We could still see the smoke when we approached White Plains, a few days later.

Flying changed. My attitude towards flying changed. I had imagined being hijacked but I never imagined an aircraft being used as a weapon. Each time I went to Hartsfield to meet my aircraft, my luggage was searched. My underwear would be strewn out over the table, my uniforms pulled out and wadded up, and my battery operated toothbrush turned on. Nothing was ever put back correctly so I now had to allow extra time for repacking. That was minor, though, compared to the realization that we were no longer safe.

There are four days in my life that I will never forget. The day President Kennedy was shot, the day Martin Luther King was assassinated, the day Neil Armstrong stepped on the moon, and September 11, 2001. Of course I will always remember our wedding day and the birth of my children, and there are probably others, if I think about it. Each of these events changed the way I saw the world.

We can’t forget.

Nonprofit Basics: Cultivating your Donors

 

My husband and I love to donate to charitable organizations. Seriously. We do it because we believe in giving back. We like to support organizations that do good. One organization has just gotten its last donation from us. There are ways to cultivate donors, and there are ways to drive them away.

Fundraising is a huge part of any nonprofit organization, whether it is a church, a theatre, public television, or a helath care organization. As board chair of two nonprofits and board member of three others, I am used to asking for money. We also support several other organizations whose missions we believe in and whom we know do a great job meeting their objectives.   With so many organizations competing for donations, how do you attract and keep your supporters?

  1. Reach out and touch. Remember the old AT&T commercial where they advised us to “reach out and touch”? There is so much to be said for this. Chances are good that you have a prostpective donor list, and chances are even better that you run into these people on a fairly regular basis. If not, there’s always the phone. Let your donors know that you’re there and that you care. You might consider keeping a spreadsheet with the donors’ birthdays, anniversaries, and any other key information, then use that when you’re on the phone to trigger conversation.
  2. Celebrate your successes. Donors want to know your organization is making a difference. Unless you are public broadcasting and have a constant presence, it is important that you have SMART objectives and you let your donors know when objectives are met.   The Mercer University Children’s Choir offers free concerts several times each year to allow families and donors the opportunity to see the progress. They also maintain an active Facebook page where donors can follow the choir and its upcoming events. There are lots of opportunities to see their successes.
  3. Thank your donors. People want to be recognized for their contributions. Piedmont Players is a nonprofit community theatre company in Salisbury, North Carolina, and they have a substantial playbill for each of their performances. The playbill recognizes donors at all levels, as well as corporate sponsors. They’ve grown to the point where they have two buildings, one for the mainstage and one for children’s theatre.   Though strictly voluteer, this community theatre has become a destination for central North Carolina.
  4. Personalize your invitations. Mass mailings are often overlooked and sometimes get lost in the mail and mailing services are not always reliable.   Remember you are inviting people because you want them to donate and to continue to support your organization. The small amount of time it takes to include a personal note is one that can really pay off. The Atlanta Opera is excellent at this. When phone calls are used instead of written notes, they are personal and always begin with a greeting
  5. Be direct in your ask. You donated $300 last year; can we put you down for $500 this year? “Could I put you done for $1000?” This gives the donor the option to offer a different amount. I received a letter from an organization that I had promised to support, which read, “We’re trying to do our budget so how much are you going to give?” To be perfectly honest, I was a little startled by the tone of this letter from someone who had not engaged me at all. It was a local organization and a phone call would have made that important connection that is more likely to result in a higher donation. When they followed up with an invoice for the agreed amount, my view of the contribution went from donation to the dreaded bill.
  6. Value and nurture your relationships with donors. A local nonprofit recently had an anniversary celebration and posted photos on their Facebook page, but many of the donors responded that had no idea the event was taking place. The administrator siad that they had used a mailing service and were sorry that some people might not have received their invitation. She said that they couldn’t afford to post it online as an event, because of their budget, so they were sorry if donors/subscribers didn’t know about it.   This response did nothing to appease supporters who should have been invited.

Most people who donate to nonprofit organizations begin the year with an idea of how much they will donate and what causes are meaningful to them. A carefully constructed plan to cultivate the existing donors can go far in promoting donor loyalty. With so many organizations competing for donors’ generosity, your organization cannot afford to overlook these important development opportunities.

 

 

The Downs and Outs of a Flexible Spending Account

It sounds good, right?  To be able to pay for your health care expenses with pre-tax dollars?  Then you find out, through experience after experience, that they will do everything possible to avoid reimbursing you.

Disclaimer:  My experience applies only to Ameriflex.  My husband’s FSA was with another company, and it was fabulous.  It was easy and fast.

My experience is with Ameriflex, and I will not sign up again.  I have spent hours uploading the insurance EOB’s from the various doctors’ offices.  Claims have been denied because the EOB is too faint for them to read.  Seriously?  It is uploaded, directly from the insurance company’s website.  I see them just fine.  I’ve had claims denied because “there is no date of service on the EOB”.  Seriously?  I’ve highlighted the date of service and sent it to them.  I’ve had claims denied because the dates of service don’t match.  Okay, this is a simple error.  I’ve corrected it and sent them back, and they still aren’t being paid. Maybe I paid the bill on a different day than the date of service.  Which date do they want?  Neither seems to satisfy them.

Try calling customer service.  You think they want to be helpful? No.  Getting a direct answer to every question I asked was like pulling teeth.  I’ve had more productive discussions with my cat.

Lawrence Hutton once said, “Whatever you are be a good one.”  This quote has been attributed to Abraham Lincoln, although there’s no evidence that he said it.  This would be good advice for Ameriflex.  I’ve exceeded my frustrations with them, two consecutive years.  I won’t make this mistake again.  I’m not alone in my frustrations.  Since I first posted my negative experience on Facebook, I heard from 38 other people who had experienced the same frustrations.

So.  If you have tons of free time to waste and you desperately need the $2500 reduction in the amount of income reported to the IRS, then Ameriflex is the FSA program for you.  But the value of my time far exceeds any tax advantages this might give.  They still have $1437 that I am contributing, but at this point, given that it takes over one hour to get reimbursed $9.80, the opportunity cost is makes this a negative.  I might as well walk away from my $1437 and be done with it.

Don’t do it.  If you are a human resources professional, look for a better company.