Wednesday, September 28, 2016

Be it ever so humble, there’s no place like home... on Bonar Avenue

Well, here it is & here I am—typing from my new (well, new to me) apartment in Waynesburg, Pa.  My sister Shawn, her husband Jim & his older son Michael arrived at my place in Pittsburgh this past Friday with a U-Haul, and thanks to their very generous help (and my brother-in-law’s skills at assembling furniture—the dining set I bought from IKEA and the bookcases I got for my livingroom & bedroom were still in flat boxes) by Sunday morning there wasn’t a moving carton, bag or tool in sight. 

There’s still plenty to do, as the walls are mostly bare and I need to find a new armchair for the living room.  But the hard part is done, and I can’t thank Jim & Shawn enough.  To say I’m in their debt would be an understatement—I wouldn’t be here if it wasn’t for their help.

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Steps leading upstairs to my apartment; I lucked out with a corner unit on the top floor

Here’s some pics of the place so far—it’s certainly not one of your more modern apartment buildings, but so what, it has a kitschy charm all it’s own. The owners are kind and honest, and take great pride in the property.  The caring shows.

002a

No more digital thermostats!  When I asked Sue (my landlord) how I adjust the heat this winter, she said “you turn the knob on your radiators on or off”

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One of the two “industrial” bookcases my brother-in-law Jim assembled for me; doesn’t it look great?

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My new couch was waiting for me the morning I moved in, thanks to my landlord who went to the furniture store & picked it up for me!  

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My galley kitchen, sure do love all the windows in here—and cooking with gas

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My new table & chairs from IKEA—I’m going back this weekend to get some seat cushions

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I’m really digging the green-tile & pedestal sink, this puts my bath in Pittsburgh to shame

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The bedroom, and everybody’s favorite room in the apartment—I’m not doing it justice, it’s twice as wide as seen here, with a large closet, dresser & another window on the opposite side

What’s ironic about moving here is how the other tenants see me; at my former place in Pittsburgh, the building had been overtaken by millennials, who regarded myself & three other tenants (Bill, Jim & Theresa) as the “old timers”.  Here, I’m currently the youngest tenant--as several of my new neighbors have let me know.  “Oh, you’re the young man from the city!”  Yep, that’s me.  Smile

Sunday, September 11, 2016

Twelve days and counting until the big move… glad but a little sad to see the old place go

 

This past Friday I was on the phone with Verizon, terminating my phone & internet effective the last week of September.  Unlike my other utilities which took all of 10 minutes to cancel, Verizon wasn’t letting me go that easily.  (They told me they couldn’t do a thing without my account number, which I didn’t have as my bill has been auto-paid thru my bank for the past several years; when I finally found an old paper bill, I discovered it was my phone number!  They couldn’t have told me that upfront?!)  Douglas, are you sure you want to do this??  Yes.  You don’t want to move your services to your new address??  No.  We hate to lose your business, you’ve been at this phone number since October 1, 1994.  Wait, 1994?  I’ve been in this apartment even longer than I thought.

Before moving here, I lived farther outside the city in Sharpsburg.  Our main street had no less than 13 bars, and a Stop N’ Go directly across from my place had the distinction of being the most-robbed convenience store in Allegheny County.  I had a wooden balcony you couldn’t go out on (it was black from being on the main drag) and a little laundry room (with no washer, only a dryer & laundry sink where I washed all my clothes out by hand).  Still, it was my first apartment in the city and man, I loved it.

Sharpsburg apt

The Sharpsburg apartment, 1989-1994; it sure was blue!

I had so much fun there; I did my share of dating, and my sister Shawn visited every other weekend.  And then one day I came home from work to find a Sheriff’s Notice on the front door; the other tenant & myself were being evicted.  The owner (a compulsive gambler) had not been making tax or mortgage payments on the property, and been served with a foreclosure notice.  When I shared the bad news with my office, my IT manager suggested I move to Bellevue.  Dougie it has a movie theater, grocery store, banks, shopping—you can walk to everything.  (I didn’t drive at the time so that was a big plus.)  “It’s also a dry town, not a bar for miles.”  I was sold.

I made appointments to see a couple apartments for rent (both basement setups & big let-downs) but it was after checking out the second one that I saw Monroe Apts over the hillside, and told my friend Elisa (who’d grown up in the area and was tagging along) that’s where I wanted to live.  I said “I’m going to be just like Mary Richards, who left her apartment house on Weatherly and moved into a high-rise closer to the city!”  Elisa said “Who’s Mary Richards?”

after_room

 

My current place on Monroe (before I got my flat-screen tv and some other things)

 

And here I’ve been, ever since.  I’m a little excited, a little nervous but I’m ready to move on.  To be honest, I’ve been ready for awhile--the building changed ownership several years ago, from a private owner who screened tenants carefully and took great care maintaining the property, to the current slumlords who’ve let the place go downhill.

Still, for what it’s worth… it was a good run.  Smile

 

           

Tuesday, August 30, 2016

Living outside the box: well, for a few weeks more at least

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It’s only been a couple weeks since my last post, but in that time it seems like so much has been happening.   In a nutshell, in between medical appointments for this TMJ disorder I’ve been getting my sh-t together for my big move back to my hometown at the end of September.  I’m sitting here in a half empty apartment as I type, much of who I am in stacks of boxes and eating off a paper plate because my dishes are all packed.  I still can’t believe this is really happening, it’s just that up until a month ago I didn’t see myself going anywhere.  This place has been my home for 20 years, hermit-routine included.

Still… I’ve known for awhile now that something had to happen.  As my time away from the hustle n’ bustle of my former working-life stretched past the one year mark and into the second, I was beginning to have some real disquieting feelings.  Having a routine you’re comfortable with is one thing, but this Fortress of Solitude was closing in on me and I wasn’t sure what to do about it.  I wouldn’t wish this godawful TMJ crap on my worst enemy (really—I wouldn’t) but it was probably the catalyst I needed to make a real change.

I’ll be honest here & admit I’m not head over heels in love with the new place—it’s somewhat dated, and has no patio.  It comes with some strict rules (they don’t want a lot of holes in the walls) and being so far from the city, no more free tv—I’m back in Comcast’s pricey cable clutches.  But it’s a well cared for apartment building, on a quiet tree-lined street.  I’ll live just minutes from my family (and my sister has a fine front porch).  I could do worse.

It’s surprising how much a single person can accumulate in just a couple rooms when they’ve lived in one place for 20+ years, and if it wasn’t for my sister Shawn and my brother-in-law Jim, this wouldn’t be happening.  Not only have they made the long drive up here, over & over again to cart out things that WON’T be going with me to my next place (heavy bookcases, a giant microwave, artwork, a glass-top dining table & chairs) my sister helped me go thru piles of clothes and books, even carting & giving much of it away herself (while storing the heavier items for an annual yard sale event back home).  Mostly while I stood here here slack-jawed (pun intended) watching her go, go, go. 

Even my new landlord has gotten in on the act—he picked up my new couch from the furniture store and deposited it in my new place.  “Doug, we have your name on the buzzer downstairs and your mailbox; now all it needs is you & your things!”

I think it will feel like home in no time at all.  Smile

oldtp

From my old personal blog, 10 years ago

Saturday, August 13, 2016

Waiting to come out from the shadows, & be myself again

downdoug

 

I’ve been holding off writing, but only because I was waiting for everything to be right & normal again.  But more & more I’m wondering when that time will come, so I’m just going to share things now.  The past 25 days have not been good ones, and in fact it surprises me to type that, because it seems like it’s been going on for so much longer.

This is by no means entertaining (for you or myself) but I just need to get this out of my system… if not the pain, the words at least.

Here’s a timeline of what’s been going on.

Wednesday, July 20:  I’m sitting here in my apartment, folding laundry when I suddenly have a sensation, more like a spinning jolt of pain in my lower left jaw.  What in the world was that??  I called my dentist’s office right away:  “Do you guys remember that crown I broke on my back molar on May 29 that you cemented back on?  I think something’s going on with it…”   They told me to come in the following morning so the doctor could have a look. 

The following day he checks it out:  “Doug, it looks good to me.”  I tell him there’s an aching numbness there now, and in my teeth in the upper jaw too.  “Doug, we can’t do anything until the pain localizes.  Wait a couple days for that to happen, and come back.”   I wait, but now this ‘pain of sorts’ is in my right jaw too.   When I return that Friday & tell him, he says “I don’t think it’s a teeth issue, Doug.  Referred pain from a tooth can bounce to other teeth—but only top to bottom & vice-versa.  It DOESN’T travel to the other side of the jaw.  Go home & take some ibuprofen, I’m sure it’ll be fine in a couple days.”   It wasn’t, and I spent that weekend in a very anxious state, convinced my teeth had all abcessed while rubbing my gums with Anbesol every half hour.  Dammit, I’m a walking infection—I just know it!

Monday, July 25:  I return to the dentist and plead with him to take x-rays of my left jaw (I’ll worry about the right side later).  I’m convinced he’ll see a spider-web of evil poison circulating there, oh he’s going to be sorry he didn’t believe me during my first visit!  No such luck.  He returns with the x-rays, tells me he sees nothing but teeth that have been root canaled & crowned with no underlying infection; but if I REALLY want someone to dig around in there, he can recommend a good endodontist.  I return home & google my symptoms and read up on what endodontists do (and it doesn’t sound pretty).  But now I’m dealing with a lot of sinus pressure too, so much it feels like someone punched me in the face; and waitaminute, it says right here that a sinus infection puts a lot of pressure on the upper jaw, making the person think they have a toothache.  (Okay, this started in my lower jaw, and I have zero nasal congestion, but that’s beside the point.)  All I need is some good antiobiotics to clear this sinus infection right up.  I happily relate my self-diagnosis to my sister Shawn & schedule an appointment with my PCP.   Oh this pressure on my teeth, ears & eyes is driving me crazy… sweet relief is only days away.

Thursday, July 28:  It’s my first visit to a doctor’s office in over 10 years.  The doctor (a younger woman in her early 30s) sees me right away & I make sure & let her know I’ve spent the last year doing all the right things & lost 50 lbs to date.  She congratulates me, asks me a load of questions about my family’s medical history, then tells me to describe my symptoms.  As I do, she is typing on her computer.  (Um… aren’t you going to examine me?)  She finally looks up & says “Sounds like a sinus infection, I’m sending prescriptions for antiobiotics & steroid nasal spray to your pharmacy.  If you don’t feel better in 5 days, let me know.”  Hooray!  

As the days pass, I take the amoxycillin-clav as prescribed & inject Flonase into my sinuses, but the discomfort is constant; no change.  Consumed with worry, I can’t sleep; I have no appetite & tell my sister I suspect this isn’t a sinus infection after all.  She sadly agrees. 

Monday, August 1:  I call my PCP’s office & tell them I’m not any better.  “Doug, you’re going to have to see an ENT—ear, nose & throat doctor.  Do you want to come back in, or would you rather skip the middle-man and go directly to the specialist?”  I opt for the latter, I’ve lost faith in this PCP.  I find an ENT that accepts my insurance & they schedule me to come in the following week.  But I tell them I’m in absolute misery, can they PLEASE see me sooner.  “Doug we do have one opening tomorrow, but it’s in Aspinwall, not the office near you.  Do you still want it?”  I have no idea how I’ll get there, but YES, I’m feeling desperate.

Tuesday, August 2:  Thanks to my friend Danielle (who arranges my ride there via Uber) I’m at the ENT.  I explain the symptoms (facial & jaw pain, constant pressure in my ears & sinuses but no congestion) and he examines my ears and throat, then tells me to prepare for some discomfort and runs a tube into my nose.  “You don’t have any sinus infection, and furthermore, I don’t appreciate these general practitioners who prescribe antibiotics for every person who complains of sinus pressure.  I suspect you have TMD.  In the meantime, I’m going to prescribe a 6 day medpack of methylprednisolone, it’s a steroid for severe inflammation.  On the first day, take all 6 pills together, early in the morning because they tend to make some people a bit jittery.”   Thanks Doc.  So what is TMD?

I come home & tell my sister about the steroids he’s prescribed.  She questions my taking them, tells me they’re heavy duty and come with some scary side effects.  She then says “DONT TAKE THEM.”  I agree to hold off until I can talk to the doctor.

Wednesday, August 3:  The ENT tells me I’ll be fine, begin taking them tomorrow.  I tell my sister I have no choice, the constant pain & pressure in my jaw & face is becoming too much to bear.

Thursday, August 4:  I had zero sleep the night before; I mean none.  Around 6am, I decide to stop twisting & turning, get out of bed and wonder at this medpack.  I’ve been reading up a lot on this condition, TMJ (or TMD)--temporomandibular joint disorder the past few nights, and so much is not known about the condition.  Some people suffer with it for weeks, others months or even years.  There’s no ‘real’ treatment, but plenty of TMJ specialists who claim they can treat it with steroid injections, $2,000 custom mouth splints & thousands more in dental work.  (And there’s 5 times as many people on various medical forums who share stories of having all this done, and still no relief in their suffering, or even worse off than before.)  None of this is helping with my anxiety.  

The official TMJ site TMJ.org stresses that you should avoid such invasive procedures, and that for 80% of sufferers, the symptoms eventually disappear on their own.  They recommend soft foods, lots of ibuprofen & as little stress as possible as it aggravates the condition.  The pain is compounded because of the anxiety involved, which feeds the disorder & vice versa.  Experts theorize how it comes about—trauma to the jaw, arthritis, a bad bite—but no one knows for certain.  For many, it appears randomly.

I’ve had enough.  I take the first 6 pills from the medpack, and then make a cup of coffee.  Immediately, an enormous, hot pain washes down over my face.  Something is wrong, very wrong.  I sit here, waiting for it to pass.  It doesn’t.  I call the ENT’s office and leave a message that if someone doesn’t get back to me right away, I’m going to the emergency room.  Surprisingly, someone returns my call & says she’s contacted the doctor, who told her “that isn’t a side effect of the medpack.”  RIIIIGHT!  She then says the doctor will be ordering some CT scans, someone will call me when they’re ready to see me.  I ask how long that will be.  She says “I’m guessing sometime next week.”  I tell her nevermind, I’m going to the ER.

I call my sister Shawn & tell her what’s happening.  It’s her day off, and she very generously offers to drive to Pittsburgh and take me to the ER herself.  I feel awful for accepting, but truth be told, I WANT HER HERE.  While waiting for her to come, I pack an overnight bag with shirts and underwear.  Either the hospital admits me or I head home with Shawn for a few days.  I’ve had it, I’m tired of dealing with this alone.

A couple hours later Shawn arrives (and one stressful trip later) we’re in the ER.  Personally I think this is how ALL medical visits should work; they put me into a bed, ask lots of questions, do an EKG, draw blood & pump me with sedatives while the doctor informs me I’ll be getting some CT scans.  (I’m later diagnosed with the dreaded TMJ-TMD.)  I’m feeling a little more clear-headed now, and as this all plays out, my sister (who has remained by my side throughout) makes the case as to why I should consider leaving the city & find an apartment back home.  I admit it, a year ago I would’ve argued why that wasn’t a good idea, but now the idea couldn’t please me more.  I felt both relieved & fortunate to have my sister there, to know someone loves me that much, and that I don’t have to be so alone anymore.  

The hospital released me that night, and I did go home with Shawn & spent the next few days sitting on her porch swing with a very sore jaw & doing a lot of thinking.  In that time, we even managed to look at a few apartments, and it looks like I WILL be moving back home soon, the end of September (when my lease runs out here).  I even bought a new couch.   And since returning to Pittsburgh this week, I’ve had 3 sessions with a chiropractor who believes he can help.  To be honest, I have my doubts; I had a calm night last night, but as I sit here typing this now.. nevermind.

I won’t sugarcoat the moving experience either, so far it’s been stressful & tiring as I go thru 20+ years of accumulated stuff while taking frequent breaks to ice my face.  I’m feeling pretty overwhelmed & anxious, but I KNOW it’s the right decision. 

I just want to be be happier & excited about it… and my old self again.  Thanks for letting me share, hopefully I’ll have good things to say soon.

apachedrugs

Tuesday, July 5, 2016

The bows & arrows of not so outrageous fortunes: making that first year’s withdrawal

a Doug and his money

 

This past January, I had a lot to think about; it had been one year since my final paycheck, and my ‘first withdrawal’ plans from my stock portfolio were on hold, due to the market’s historic nosedive right after the New Year.  Luckily, I still had several months of living expenses in my checking account and was able to hold out awhile longer, hoping for some decent recovery in the stock market.

So I watched & waited, and when Wall Street looked a little rosier around the first of April, I took a closer look at my own finances: 

  • ***** in personal checking
  • ***** in emergency savings
  • ***** in 5 year CDs
  • $445,000 in personal & retirement investments

When I left my job in December 2014, my stock portfolio was almost $465,000.  (I hoped it’d be closer to 500K when I was ready to begin withdrawals.)  Not only did it do zilch in 2015, it was 20K lower.  But that’s the breaks, and I had 2-3 months left of living expenses in checking so I made plans for my first sale of stocks. 

I knew I’d need at least 21K to live on for one year & figured on earning about $4,500 in dividend & interest income in 2016.  Would I be safe withdrawing 17K?   

(This was a far cry from the amount I estimated paying myself a couple years ago, but the last year has shown me I need to take a more conservative approach.) 

When it comes to making annual withdrawals from your retirement portfolio, there’s so many trains of thought.  I liked this one best:

Withdraw 4% of your portfolio’s balance every year or 95% of last year’s withdrawal, whichever is greater.

I created an excel worksheet that crunches the numbers, all I have to do is enter the portfolio’s yearly balance in Col B, when I’m ready to make that annual withdrawal.  

Col C will display 95% of the previous years withdrawal;  Col D will calculate 4% of the portfolio’s current value.  Col E will then select the greater value of C or D, showing the amount to withdraw.

official1

Here’s a second spreadsheet with fictitious portfolio balances after year 2016, to demonstrate how they can affect your withdrawal amount.  (I included a big drop in 2021, to show how Col E automatically directs you to take 95% of your previous years withdrawal instead.)

official2l

So that’s what I did—sort of.  According to my chart, I was ‘authorized’ to take $17,800 from my portfolio.  But the preceding 15 months had been rocky and it just seemed like a lot to cash out, so I only withdrew 16K instead.

To be honest, I regretted taking that; why did I cash that out in one sitting?  Why not take 8K now & another 8K six months from now?  Or 4K quarterly?  That money could’ve stayed in the market vs. sitting in my checking account collecting dust.   I wished I could put some of it back.

The Final Chapter: “And then along came Brexit…”

Last Friday when Great Britain shocked the world with their vote to leave the European Union and investors panicked the world over, I watched my own portfolio plunge in value & shrugged my shoulders—what can you do.  I was good until 2017 anyway.

The following Monday as the bloodbath continued (the Dow had now sunk almost 1000 points)  I visited a couple investor forums I frequent, and so-called retirement veterans were warning “get out of stocks, go all in cash, this could last a couple years”.  I smelled temporary insanity.  

It’s scary to buy when everyone is selling, but I hadn’t seen prices this low in a couple years so…  the $16,000 I’d withdrawn from my portfolio… I put $5,000 of it back in.

Date          Transaction                                                                                     Amount

06/27/2016 BUY 100.73 shares Total Stock Mrkt Idx Adm $49.64 per share    $5,000.00

Those 100 shares I bought for $49.64 are now worth $53.00 each, and yes their price will go up & down & up again, but the important thing is, I was able to put some of that wampum back into the swim, and at a LOW PRICE.  Smile

Doesn’t this all sound like a major pain?  Sometimes I think I’d sleep better if I’d just kept on working… or stuck my money in a safer place!   The End!

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