modern life

Jury duty can cost you.

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(Good morning, and welcome to Rerun Monday. It’s a close cousin of Throwback Thursday. I’m running this post again because I am due at the Nesbett Courthouse at 8 a.m. today. Jury duty yet again. Last time I was called in Anchorage I did get seated, but the case was settled just as we were about to head to the courtroom. Here’s hoping that happens again: Civic duty aside, freelancers really don’t like missing work.)

Everyone complains about the boredom and the bad coffee. But have you ever thought about the potential hit to your finances?

The folks over at NerdWallet (I do love that name) sure have. According to “The cost of jury duty,” some 32 million people are called each year. Only about one-eighth of those actually serve – and those who do may wind up in the hole.

The article notes that in five major cities – Chicago, Denver, Los Angeles, New York and Seattle – jurors earning minimum wage will lose anywhere from about $16 to $78 per day. That’s because companies generally have the option of not paying employees for days spent on jury duty.

Obviously lots of folks who get called are making more than minimum wage. If that’s the case they might have the financial resources to withstand the hit. But maybe they don’t, especially if they live in high cost-of-living areas or are the only people in their households who work.

Bonus: Imagine earning, say, $25 an hour ($200 gross) and seeing your income drop down to as little as $10 a day, which is what Seattle jurors earn. Ask me how I know.

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5 money lessons from “One of Them Days.”

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As regular readers know, I can find personal finance lessons anywhere: action flicks, opera, monster movies, Westerns, sled-dog races, zombie shows, you name it. Today’s example is from the hit comedy “One of Them Days,” which gets bonus PF points from having payday loans as a major plot point.

Before I go any further, a warning: The film has salty language and a frank physical reveal involving male pulchritude. If modern urban speech and forthright discussions of sex wouldn’t sit well with you, avoid this movie.

But if you like buddy comedies – especially those with strong, intelligent women as the buddies – then this might be the film for you. Keke Palmer (“Nope,” “Akeelah and the Bee”) and singer-songwriter SZA play roommates and best friends who struggle to pay the rent while holding on to their dreams.

Like some of you, probably.

 

The two broke friends live in “the Jungle,” a neighborhood full of neglected apartment buildings and broken promises. It’s the kind of place where many folks can’t live live paycheck to paycheck without tacking on a side hustle like styling hair, selling T-shirts or running a mini-mart out of their apartment.

Also like some of you, probably. The Washington Post reports that 5.3 percent of U.S. workers had more than one job in 2024. That’s the highest level since the Great Recession. In some states, the number of multi-job workers is 10 percent.

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I’m officially old.

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Today is my birthday and I am officially old. Not because of my new age, but because of how I spent my day. Some highlights:

  • Ran errands
  • Dozed briefly in a comfortable chair
  • Paid a bill
  • Hand-washed my support hose
  • Made a plan to go to bed early (we’ll see how that pans out)

Relax: My day sounds a lot worse than it actually was. In fact, it’s been pretty great. For starters, there’s the obvious reason: I’m still on the right side of the grass.

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How to get Amazon Prime for free.

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For millions of people, Amazon is a way to get whatever they need, whenever they need it – and wherever they are. (More on that in a minute.) That’s why the rebranding of the “Prime Student” program is worth noticing. Amazon is offering six months’ worth of Amazon Prime for free to people aged 18 to 24, plus half-price Prime after that.

That means not just free parcel delivery, but also:

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What do we want to be? A few thoughts on labor.

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(In honor of Labor Day, I decided re-run this post from Sept. 5, 2010.)

When I was a kid, I couldn’t wait to earn money. Penny candy was only part of the reason. Working was a sign of being grown-up. I’d already figured out that being a kid was for losers. Adulthood was where it was at.

That’s why in elementary school I would pick and sell flowers and strawberries. It’s why I rejoiced when it snowed — the local doctor would pay a dollar to have his steps and sidewalk shoveled. It’s why I started baby-sitting at age 11, when I was hardly older than some of my charges.

It’s the only possible reason I could have enjoyed my first “real” job, at age 13: Picking tomatoes in a greenhouse that felt like an incinerator. It was a half-hour bike ride away, through temperature and humidity that raced each other into the high 90s. The plants were taller than I was and their leaves brushed me on all sides. I came home slimed with sap; the shampoo bubbled green when I washed my hair.

But oh, the joy of making $1.35 an hour.

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Frühjahrsmüdigkeit.

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The German language has the best words. Kummerspeck (“grief bacon,” or the weight you put on from eating your feelings). Sehnsucht, or the deep and emotional craving for something far away or unattainable. And frühjahrsmüdigkeit, which I’ve been experiencing lately.

Frühjahrsmüdigkeit is translated as “spring lethargy,” the fatigue that some people feel in the springtime, particularly after a hard winter.

We’ve had two particularly crummy winters in a row, and a lousy spring/summer in 2023. For the most part, spring 2024 has been cold and cloudy.

Sure, we’ve had a few spectacularly sunny days – the kind that make me think, “I can live here despite the winters.” Mostly it’s been…frühjahrsmüdigkeit.

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How frugalists rock Earth Day.

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(Happy Throwback Monday! It would have been Throwback Thursday per usual had Earth Day been responsible enough to occur on a Thursday. This post originally ran on Earth Day 2023, which was April 19.)

Everywhere I looked online this morning were reminders of Earth Day 2023. My initial reaction was to remember my high-school Ecology Club. That’s when I believed, truly believed, that we’d have this all figured out pretty soon.

Boy, was I young.

That thought was followed by this one: Frugalists are eco-warriors.

Because we are. We really are! Although our goal is to be good stewards of our finances, we wind up being good stewards of the Earth. The steps we take to save money help us ameliorate our impact on the environment.

Here are seven ways we do that. Note: These aren’t universal. Few people likely do all these things or even most of them, but I know that my regular readers do at least some of them.

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Reading the Bible in Yup’ik.

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Yet another reason to be delighted by my partner: He reads the Bible in Yup’ik, the language spoken by indigenous folks in western and southwestern Alaska (and the Russian Far East). That’s because DF has been doing home visits for his church, and one of the parishioners is an elderly woman who is much more … Read more

Colonoscopy prep: The true and simple rules.

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(Happy Throwback Thursday! Today I am having my every-five-years colonoscopy, so it seemed like a good time to re-run this piece from Dec. 5, 2018.)

Some people throw parties on their birthdays, or go out to dinner. This year I went with a butt camera.

It’s not that “colonoscopy prep” was high up on my birthday bucket list, but rather that the appointment was the first one I could get.

Lucky for me that it hadn’t been scheduled first thing on Nov. 30, when we had a nice big earthquake. According to a staffer at the doctor’s office, they’d just finished one procedure and were beginning to sedate another patient when the 7.0 temblor hit.

That poor guy had to reschedule – which meant having to re-do the colonoscopy prep. Ack.

For the uninitiated, colonoscopy prep is a full-scale cleanout of your colon: a combination of light diet, then liquids only and finally a seriously effective cleansing solution. Apparently one brand of industrial-strength laxative is available in tablet form, but the doctor I visited won’t prescribe it. He says the results aren’t always optimal.

(Eeeewww.)

This time around I was offered the option of a relatively new product called Plenvu. It’s so new, in fact, that my insurance would not have covered it. However, the doctor’s office had some samples to give and I accepted one upon hearing the regimen: two 16-ounce doses of solution over two days, each dose followed by 16 ounces of your clear liquid of choice. (Mine was iced tea.)

Previous preps had required two 32-ounce doses of solution followed by two 16-ounce glasses of clear liquid. No wonder Plenvu’s slogan is “success with less.”

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Found money 2023: Counting it.

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As regular readers know, I’m always on the lookout for lost change. All year long I save what I find, and the following January I count the found money, round up the total and donate the funds to a food charity.

This wound up being a decent year. In addition to the specie, I found a $10 bill and DF contributed $8 from his occasional survey-taking with the Nielsen* Company. His theory is that as a retiree, he isn’t looking for work. But occasionally work looks for him, in the form of surveys. Therefore, it is “found” money.

Whatever works. I just want to plump up the total, because it’s getting really scary out there, food-wise. As all of you already know. 

For years I’ve donated the found money to Feeding America or to the Food Bank of Alaska. More recently I’ve been sending the dough to the church I grew up in. That’s because the Fairton United Methodist Church, like so many other houses of worship, is making food baskets for locals who have more month than money.

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