Plans for the Near Future

Last week my insurance license arrived in the mail. You can now find me on the State of Maine website for insurance if you do an agent search. I now feel “official.”

I once held an insurance license for both life and health back in the mid-1990s, but I let it lapse. At the time, I didn’t know the first thing about sales and in hindsight, the company I was selling for really didn’t have a very strong stable of products. Part of that was due to insurance laws in Maine at the time. However, other reps did very well because they kept it simple and worked their plan.

Passing my insurance exam was the first step for me. To be honest, I hadn’t thought beyond simply getting a passing score. I was tunneled in—selling our house, moving 26 years of belongings to a new location, and fitting work, study, and freelancing into what was a roller coaster three month ride. That was all I was capable of carrying to the close of 2016. Continue reading

Selling Insurance

Not much of a “ring” to insurance salesman. Writer is more romantic and sounds better. The latter doesn’t always deliver and leave you flush with ka-ching—or with any cash at all, for that matter.

The fall has been a blur. Readying a house for sale and then closing on the domicile that was your home for half of your life is a big change. So is acclimating to a new town. Of course that’s just part of the story. I also decided in August to become a volleyball ref, followed by enrolling in an online course designed to prepare me to pass the state exam leading to getting licensed to sell insurance. Yes, the cares of this world have been right there in my face each and every day for the past three months. Sorry if I haven’t returned an email or your phone call.

Can I be totally honest here? There were many mornings during the past three months when I just wanted to stay in bed, rather than get up and turn off the alarm clock when it went off at 4:00 am so I could shoehorn studying into what was my usual get-out-of-bed and brew some coffee period of the morning before shuffling of to work time. But as they say, sometimes perseverance pays off.

Driving into Westbrook yesterday prior to my scheduled Maine Life, Accident & Health Producers exam set for 8:00 a.m., I tried to steer my mind clear of any craters of negativity or sinkholes filled with anxiety. WMPG playing some vintage John Coltrane kept me focused on the road and task looming ahead.

Whole life, or term?

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Vacations are Overrated

I rarely take vacations anymore. The main reason is that freelancers don’t get paid when they’re not working.

On the other hand, many people that I know that work a traditional job with vacation benefits seem to be on vacation all the time, or at least several times a year. I was at a family party on Saturday and I asked where some people were—the answer was, “they’re at the Jersey Shore.” I wasn’t surprised because these are people who seem to live to take vacations. To each his own, I guess.

Once you get into a certain rhythm for work, you actually don’t require as much downtime as the traditional 6-week-a-year vacation types insist that they must have. A day here or there seems to suffice.

Old school vacationers playing golf.

Old school vacationers playing golf.

The best vacation I’ve had in recent memory was when Mary and I rented a camp in Steuben, sight-unseen. That was back in 2007, when our Sheltie, Bernie, was still alive. Mark and his girlfriend-at-the-time drove up from Boston. It was a bucolic week spent frolicking along the seashore, walking the neighboring nature preserve, biking off-the-beaten path, and eating clams that we bought each day from a local digger—we even visited the site where a baby whale had washed up on the beach. Continue reading

One Week, in One Year

Our lives are made up of minutes that become hours that run into days that eventually become years. Then, it’s over. There’s an announcement in the newspaper, or a Facebook update mentioning an obituary. Maybe there’s a visitation, a funeral, or simply the memories of a life lived out across a small ripple in a sea of time.

I’ve lived out more than half of my ripple. Will it leave even the smallest of marks on the water’s surface after I’m gone? Nothing’s certain on that front. I hold the belief that how we live and what we do while here matters—at least that’s the hope, lacking any guarantee.

Last week offered perhaps the most representative summation of the freelance lifestyle from my vantage point. Equal parts enjoyable, even empowering, intertwined with a stretch that left me uncharacteristically weary, requiring tapping into a reserve that I wasn’t sure I had. Every segment of my puzzle-piece work life was represented.

Back when I was running laps around the usual five-day-a-week labor track, I complained that my two-day weekends weren’t long enough. Now, finding a 48-hour stretch of time to step away from wage-gathering happens so infrequently for me that I sometimes resent those who have it so good—and yet find the need to voice their displeasure in my presence or via social media—not knowing that it irritates me (although I try to overlook it).

The world of work continues evolving.

The world of work continues evolving.

Writing is a passion of mine. If I have to name what it is that I do, I’ll always self-identify as “a freelance writer.” It took me nearly 40 years to recognize a talent (some might even qualify it as “a gift) that remained hidden under layers of work, family obligations, and even romantic notions about what constituted “the writing life”—as if there’s one defining frame for being a writer. Runners have different strides, just like pitchers rely on their own style and array of pitches in getting batters out. My writing experience is probably different than yours (if you’re a writer), as it should be.

I began the writing journey back in 2002, with 2003 being the year that I set my face “like flint” towards a goal to make writing central in my life. By 2006, I recognized that writing didn’t automatically deliver riches, but rather (at least for me) required creativity and supplemental income—at least if I didn’t want to end up foreclosing on my house, or worse. I turned back towards a more traditional, 40-hour way of making a living, while still continuing to write. In fact, it was during this stretch that I released my two books on Moxie. Continue reading

Summer Tourists

The past few days were spent making like a tourist. Mary and I finally managed to coordinate our calendars, and by leveraging the holiday on Monday, and adding a couple of days following America’s paean to workers, we pieced together four days/three nights of what was our summer vacation, 2014.

American workers take fewer vacation days than anyone else with an advanced economy in the world because we’re the only place where workers aren’t guaranteed paid vacation time. Nearly ¼ of all U.S. workers get no paid holidays or vacations at all—I would fall into that category, residing in free agent nation. Another survey indicates that Americans who accrue paid time off only take half of it on average. Continue reading

A New Way of Labor

Labor Day weekend has come and gone.  While many are returning to work Tuesday morning, I’m actually trying to find a few days of respite from the freelance treadmill of the past few months.

The ongoing narrative in some corners is that the world of work is changing. I know that’s true, but it still seems like–at least from my perspective–that most people I know in Maine still work structured hours, often 9 to 5, with available paid vacation time, at least enough to spend long weekends away from their work whenever there is a national holiday, like yesterday’s. Inevitably, they turn these into three, or four-day weekends away from the office.

Vacation Day

Vacation Day

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Stop Giving it Away

What do various professionals make per hour? Would you expect your lawyer or doctor to offer their skills for free, or next to nothing? Of course not. Yet many clients think writers should give their work away.

According to the U.S. Bureau of Labor Statistics, the average hourly wage for lawyers in 2012 was $62.93. The lowest-paid 10 percent earned $26.11 per hour. At the 75th percentile level, the hourly rate was $80.77. The top-paid 10 percent earned at least $90 per hour. The BLS noted that self-employed lawyers typically earned less than law firm partners. Continue reading

A Writer Who Works

Will write for food.

Will write for food.

The writing life is seen as a romantic one, at least by some—usually people who don’t write, or merely dabble at the craft.

Since 2003, I’ve been a writer who works a job. By that I mean that I’m not fully supporting my lifestyle from writing. I have an outside job (or jobs); those purer than the driven snow might look askance at that. Continue reading

The Labor Shift

Work defines who we are in America. When I was born, the models for work were General Motors, IBM, and Xerox among many. These large corporations were built on a tacit understanding that once you made your way through their doors, you were taken care of for life—or at least until you retired. Of course, there were pensions back then, so you were taken care of during retirement, too. Continue reading

Convenient for Whom?

7-Eleven--feeding our dysfunction.

7-Eleven–feeding our dysfunction.

There was an old advertising campaign for the 7-Eleven stores that had the tagline, “thank heaven for Seven-Eleven.” It was prominent during the 1980s, I think.

7-Eleven is one of a plethora of convenience store chains dotting the American landscape. Coffee and convenience foods are an American birthright, and stores like 7-Eleven keep our addictions sated, and employ a segment of the American workforce that lack skills and other intangibles. Continue reading