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Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts

Friday, December 1, 2017

Where Does It Come From, and Where Does It Go?


Money, money, money! Wouldn’t it be great not to have to think about it? Well, we’re all thinking about it these days, as Congress flounders around in the dark on what promises to be the worst tax bill ever fobbed off on the American people, but even in sunnier times most of us are curious about other people’s financial situations. So here is my basic story.



My income derives from the sale of books old and new. In the past I’ve worked a variety of additional part-time jobs, from teaching and tutoring and freelance editing to picking apples and doing garden maintenance, but more recently I have focused exclusively on my retail business. And it is a business, not a hobby. I don’t have a trust fund or a pension from some earlier career, and if I didn’t need the income, I would stay home and garden and write and raise chickens and feeder calves.

As to where the money goes, that’s simple, too. Monthly business expenses get paid and groceries bought before money goes anywhere else, and then the Artist and I have all the usual expenses of any other household, with the exception of frills like television (we watch DVDs and listen to radio and, of course, read!), air conditioning (we have window screens), and dishwasher (washing dishes is my kitchen meditation time). If we stay home all winter, there is fuel oil and plowing the driveway to pay for; if we go elsewhere, there are frugal travel costs. 

Still, charitable giving is something I take seriously. It’s on my mind now because Facebook reminded everyone this week about “Giving Tuesday” (I give in my own way and in my own time) and because December is when I make my largest annual donations. 

I’ve made adjustments to priorities in recent years, but, as it stands now, the five organizations to which I contribute on an annual basis are the ACLU; Save the Children; the Carter Center; Foods Resource Bank; and the Southern Poverty Law Center. I started years back with the first two and added the third, fourth, and fifth more recently (and in that order). FRB and Save the Children do primarily community work (FRB focused on food security), both in the U.S. and overseas; the Carter Center focuses on do-able health projects in Africa; and ACLU and SPLC are concerned with justice and freedom here in our own country. Healthy, food-secure, and just communities are the goals I have chosen to support.

Leelanau County hosts many worthy organizations — charitable, cultural, environmental — but what I’ve finally come around to with those here at home is that, instead of sending a set amount to the same few every year and ignoring the rest, I give to whichever groups people have chosen for memorial gifts, whenever appropriate. One person’s obituary might list the Leelanau Children’s Choir and Saving Birds Through Habitat. Another might name a church or the League of Women Voters or the Leelanau Foundation. Whatever their priorities, when I send a check with a sympathy card, I honor those wishes and in that way give locally.

The Artist and I take a standard deduction (we have thus far been fortunate in not having sufficient medical expenses to make itemizing advantageous), so our income tax situation is not benefited by donations to charities and other nonprofits. Giving is simply what I decided long ago that I wanted to do, and it is my good fortune that I am able, thanks to my bookstore customers, local and visiting, who buy books on Waukazoo Street in Northport. 

So thank you for your support of Dog Ears Books, and please know that your support goes further than you may have realized. You are not only keeping a little bookstore alive in Northport but helping strangers, in very important ways, far from northern Michigan. It all adds up.

For details and to see if you want to contribute to any of the organizations I support, please follow the links up in the fifth paragraph of this post. And thanks again! Being in a position to give is one of the gifts I have received over and over again along the path of my life, and I am grateful.



Wednesday, January 16, 2013

January Daze: This, That, and Another Thing or Two



Aripeka Evening
Younger Sarah in a Warmer Season
No, we are not in Florida, but we were looking at old photos of winters past one recent Sunday morning, and the one seemed worth sharing again. We also looked at some cute old pictures of Sarah, and I took David on a virtual tour of my trip to Arizona last spring.

January seems to be a time for looking back, but for the present, please note winter hours at top right. New book orders will be taken through Saturdays of each week, with orders going on the following Monday in order to arrive by the end of that week.

Now, a few other timely topics in brief.

January Special at Bookstore

“This” is a special offer at Dog Ears Books, good for as long as supplies last. Buy our $9 book bag (the beautiful canvas one featured in the right-hand column) along with a $15 calendar (Leelanau Township scenes by Karen Casebeer, also over there on the right), and the price for the two items together, a $24 value,will be a bargain $20 + tax. Your calendar and bag will remind you on a daily basis of your local community and what every person means to its success, and you’ll feel good every time you use the bag and don’t have to take paper or plastic. I’ll have a different special in the month of February, so stay tuned. Because --

It's Winter—and (Almost) Everyone Wants Money

“That” is money, so if you don’t want to read this section, scroll down to the next.

People who don’t write letters don’t enjoy picking up mail, either, I’ve noticed. For them, an empty mailbox is good news: “No bills!” Having grown up in a letter-writing family, my heart is always light with hope as I turn the key to see what waits within, and often there is something delightful. Letters and cards and postcards from friends, along with seed catalogs, are always welcome, as are, my readers will recall, the little typed notes from that anonymous mystery poet, “H.” One Saturday morning I received a beautiful New Year’s card from one of my favorite publishers, who addressed me on the envelope as “The Excellent and Incomparable” and who included a handwritten personal note inside. That made my day! The next week there was a handwritten letter from a friend, and she had enclosed a tea bag, too, since we couldn’t be sitting down at a table together. My heart was warmed!

But most of what has filled the box lately has been mail from businesses and organizations looking for money. Everyone, it seems, has a hand outstretched. I don’t take the importuning personally. It can’t be personal, because if they knew my life at all they’d realize they’re barking up the wrong tree when looking to me for money in January.

Of course, it isn’t the “wrong tree” when it comes to bills. Bills must be paid. Phone bills, electric bills, sewer bills, tax bills, bookstore bills, credit card bills, propane bills, etcetera, etcetera. There are no medical bills in the mail because everyone from hospital to dentist now demands payment at time of service or beforehand, and there are no cable or “dish” bills because we opted out of television years ago, but there are still plenty of bills. More than enough.

What I call the “wrong tree” mail is that asking either for charitable donations or subscriptions or looking to me as a new customer for whatever product or service someone is trying to sell. Thank you, I made my December donations, and that’s all I can do for now, both because of the aforementioned pesky bills and because in our household we can’t seem to break the habit of regular meals. During most of the year, I make charitable donations in the form of memorials, as occasions arise.

I’ve renewed my subscription to Book Source Magazine and am a new subscriber to the London Review of Books, because they offered me a fabulous deal. New York Review of Books subscription has run out, but a friend and I will exchange London and New York, so we’ll both have the benefit of both. As for making a decision about health insurance based on advertising that comes in the mail, how foolish would I have to be? And people who want to sell me advertising or offer themselves as paid consultants to my business—sorry! Wrong tree!

A Couple Backward Glances at the Blog

As we sink into winter, a couple of my old posts bobbed up. They don’t appear on the all-time greatest hits of Books in Northport, but they’re things I enjoyed putting together, and a few readers either discovered or revisited them last week. The first addresses the question of the relation of “blogging” to “writing,” and that post engendered a pretty lively conversation when it first appeared. The other, on fiction, essays, criticism, etc., was in itself almost a review of a couple of books that gave me plenty of food for thought.

Where We’re Going, Will We Need Roads?

Ah, yes, you guessed it: I’m not thinking about roads but about the ever-uncertain future of printed books and actual, physical, “bricks-&-mortar” bookstores. Here’s a recent contribution to thoughts about it all. The writer says there is evidence that the disappearance of bookstores lowers the market demand even for e-books and means that fewer books will be read in any form. Once again, my mantra: I’m here now, I’m here now, I’m here now.... And isn’t “now” all we ever truly have?

January 2013: Sarah at edge of woods