Author Archives: William Busch

Late Spring Clean-Up and Repair: DIY or Outsource?

If you're among the Spend Matters masses for whom a 12-hour work day is normal, have young children and an adult relationship to nurture, and remember that you have many other interests, activities, and hobbies that help you feel whole, then the solution to this conundrum is easy: Hire someone to perform your springtime fix-up and repair projects, budget permitting. And if you really, really just must do a few things yourself, consider making it a whole family endeavor, carefully scope and define the project, and don't spend more than half of a precious summer weekend in process -- preferably shoot for a half day. If your kids and mate kick, scream, and make excuses for why they can't assist, be firm (why should you be the lone worker?) and positive like Huck Finn – and you might be surprised by the fun and accomplishment.

An End of Life Behavioral Lesson to Enhance Our Missions

If on any particular day we're especially busy, on tight deadlines and stressed, we permit our capacity to be polite, caring, and helpful to wane. And we think, "It's okay. I don't have time for x, y, or z right now. I can only do so much. They'll understand, they know how I can be.” And so on. Upon reflection, we may even apologize later for being terse, inattentive, or unkind to colleagues because our default thinking is that we'll have a second chance -- get a do over. Maybe so.

Home, Rental, and Vacation Property MRO: Project Photos Equal Big Savings

I've spent decades maintaining, repairing, and rehabbing houses. And when it comes to working on pre-existing structures, no two are ever alike. Building codes change continuously, a great deal of past work is performed by do-it-yourselfers (DIY), handymen and even general contractors are frequently not licensed in all trades, and all too often time-saving shortcuts are taken before infrastructure work is closed up. So if the job gets accomplished at the right price, why does any of this matter? Because future problems are unlikely to occur within the first year or two following completion.

Total Cost of Independent Schooling: Indexed Tuition, Limited Diversity, and Mental Health

To say that the quality of U.S. public schools varies tremendously is the understatement of our times. But most families with school age children – given that the country's median annual household income (with two wage earners and two children) is about $50,000 – are more or less locked in to sending kids to their local public school. And the pure economic argument that we can all vote with our feet and relocate to a neighborhood where the schools are above average -- as is the cost of housing and real estate taxes that largely fund the schools -- is specious and unrealistic.

Cost of Climate Change: Coca-Cola, the Coal Industry, and Conservative Economists Have At It

The debate over climate change, and -- as some still argue -- whether it is even occurring, are becoming moot as an increase in droughts, floods, and wildly unseasonal temperature extremes interrupt food and water supply chains and increase commodity and financial risk. Or, as the old adage goes; if you want someone to stand up and take notice, hit 'em in the wallet. According to an article in today’s New York Times, Coca-Cola has become more focused on global warming than its economic bottom line.

How Do Rising Tides Spike Coastal Real Estate Values?

Some of you may remember my posts from this time last year about my all-too-personal experiences in the aftermath of Hurricane Sandy on the New Jersey Coast. Here's an update and a curious tale of increasing property values, despite compelling evidence that the demise of East Coast barrier islands is not far from the horizon.

Of Novocaine and Dental Savings and the Aphorism “The Show Must Go On”

I've experienced more New Year's eves than I care to count, but I suspect my last day of 2013 takes the cake -- in terms of dollars saved, spent, and earned. My tale begins the previous night. As I sat for what my dentist believed was his last appointment of the year at 8:00 PM, he reviewed my X-rays, turned to his assistant, and said, “Jenna, what are you doing tomorrow?” He then turned to me: “If you're available tomorrow AM, I'm willing to open the office for a marathon session in your mouth..."

Amsterdam’s Hiring of Alcoholics and Addicts Has Logic (and Benefits)

In eastern Amsterdam (hat-tip to Gert, our Spend Matters Netherlands editor), the process of hiring and compensating street sweepers is not only out-of-the-receptical, it may also have a social benefit -- sort of. As the NY Times reported, Amsterdam is hiring alcoholics to sweep their streets. They must arrive looking sharp and wearing a red tie, at 9:00 AM when they're paid their first remuneration of the day, which takes the form of two cans of beer.

Butterball Predicts a Turkey Shortage, Which Means It’s Time for Strategic Sourcing

Want a fresh turkey for Thanksgiving dinner? Butterball's shortage may inadvertently move you to a higher altitude in sourcing your bird. Go organic. For that matter, go organic and local. I ordered a fresh turkey last weekend from a nearby farm, a bird that has spent its life running around outdoors, eating organic grain, and has never been fed hormones or antibiotics. Why? Because no matter how dumb a mere turkey may seem in our anthropomorphic way of thinking, it deserves a life consistent with its evolution. I don't consume hormones or antibiotics (directly or indirectly), and compared with a commercially confined and drugged bird, organic livestock tastes 10 times better.

Starting Your Own Business? Don’t Minimize the Cost of Stress

Before joining Spend Matters, I founded and managed two businesses, for over 25 years. My first foray was in design, advertising and printing, and the second was construction and general contracting. But regardless of one's chosen sector, establishing and running your own shop is simultaneously exhilarating, rewarding, perpetually challenging, exhausting and -- my topic today -- unimaginably stressful. You might be thinking, "Stressful?... what could possibly be more stressful than working over 60 hours/week within an imposed structure in which I variably feel over loaded, under appreciated, and deserving of more money?"

An Improvised Recipe for Vegan Butternut Squash Soup

I've recently made great strides toward re-kindling my passion for cooking à la vegan. So whether or not you're similarly inclined, I recently improvised -- my favorite culinary style -- a recipe for butternut squash and vegetable soup that I want to share. In full disclosure, while I like to food shop often, I prefer to work impromptu with ingredients that are already on hand and have recently been buying funny-looking seasonal plant foods without knowing anything about them, and that's how I came to have a butternut squash in the pantry. This delicious soup takes less than an hour to prepare, and no one will know it's vegan if you don't tell them.

Antibiotics: Pharma’s Lean Spend — And Yours Should be Too

Flu season appears to be in full bloom -- at least from my perspective as I near recovery from this year's latest viral incarnation of the bug. I've been equally distressed by the number of friends and associates who have told me that I need to get an antibiotic. Viral infections are not bacterial in origin and do not respond to antibiotic medication. And yes, it's wise to have a physician monitor our ailments and determine their origin. But the miraculous discovery of bacteria killing medication by Sir Alexander Fleming in the early 1940s – that revolutionized medicine and cured illnesses that had often been terminal for centuries – has nearly come full circle.