Month: September 2020

ECONOGAL > 2020 > September

September 2020 Wrap-Up

Posted on by Econogal

September 2020

The September 2020 Wrap-Up will get a bit political due to the first of the 2020 Presidential Debates. If you can call last night’s debacle a debate. But in loyalty to the many followers across the globe, I will save my observations on national politics until the end. After all, this post is a wrap-up of the entire month not just the next to last day.

Travel Returns

September 2020 included two out of town trips. Both via automobile. The first was a trip to Kentucky. This journey included an overnight stay in suburban St. Louis, close to my high school home.

The hotel practiced Covid-19 precautions with a seal at each door which indicated if entry had been made after cleaning. I managed to forget my hanging bag and needed to buy some replacement clothes. Fortunately, the mall I haunted as a teenager was located at the same Interstate interchange. Unfortunately, the mall was all but abandoned.

The one store open was a Macy’s. I arrived 40 minutes before closing. Thanks to the wonderful customer service-all with Covid-19 consciousness- I was able to replace the outfits needed for the following two days. The only time I have ever encountered an equally outstanding service has been at a Nordstrom’s. Kudo’s to Macy’s for filling a need. The successful shopping trip helped mitigate the sadness of seeing a once vibrant shopping mall in such dire straits. 

We then enjoyed an outdoor dinner at an Italian restaurant in a nearby strip mall. The tables were well spaced and the food was excellent. The weather which can be quite muggy in St. Louis was perfect. The following day we continued on to Kentucky.

Kentucky

In a normal year, I make a minimum of two trips a year to Kentucky. Because of the pandemic, my spring trip was cancelled. Things are still not normal, but business can only be put off for so long. So, I am mitigating the risk factors as much as possible.

First, I do wear masks, especially indoors. On this trip, we packed a cooler with snacks and drinks. We never entered a fast-food restaurant. All sit down meals were outside-or in one case in a large tent with open sides. Bathroom breaks while travelling were made at highway rest stops. Finally, we washed hands and utilized hand sanitizer frequently.

One highlight of the trip was revisiting the Kentucky Champion Oak Tree first discussed in the May 2019 Wrap-Up. This trip I took the following video in hopes of giving readers a better idea of how grand this tree is. Please enjoy the YouTube video at the end of the post.

Another highlight was finding a wonderful specimen of an Ohio buckeye tree at an equally wonderful Indiana rest stop. America has many fantastic places within her shores.

Buckeye Tree September 2020
Buckeye Tree From Indiana Rest Stop

Our return entailed a fifteen hour drive on the Sunday of Labor Day weekend. Almost a full month later, no signs of illness. Again, we were as cautious as could be without practicing total isolation.

Wyoming

Just this past weekend, I attended a conference in Cheyenne, Wyoming. Again, I mitigated risk as much as possible. Time again will tell if I was successful or not. But my true concern from that trip were the wildfires spreading across the Western States.

The pictures in the slide show below are from that trip. The air quality was horrific. The index AQI on Saturday was 184. I have never been in this situation before. It was horrible. Our climate is suffering.

September 2020 In the Garden

Twice, my garden escaped the threat of frost. So production continues. Although some plants show signs of running there course. Half of the potatoes and half the sweet potatoes have been harvested. The Roma tomatoes continue to flower but the heirloom tomatoes are just maturing what is on the vine. The peanuts need another week before digging.

Fall crops are thriving. Rutabaga, broccoli, and cabbage are now established. Hoops are in place around the artichoke and rosemary. The canvas covering goes atop on the evenings before the threatened frost. Once the freeze begins, the canvas will remain even during the day.

September 2020 In the Kitchen

Of course a robust garden calls for much canning and freezing. In addition to the traditional jelly, pickles, salsa and spaghetti sauce, I made ketchup for the very first time. The taste is wonderful. But the process was quite time consuming. Over 11 hours from start to finish!

I realize it is much easier to by what I can from the store. But the satisfaction I derive from canning is priceless. Furthermore, I firmly believe my preserved goods are healthier. I control the inputs. All my recipes are reduced in both sugar and salt. 

I am closing the traditional part of the end of the month Wrap-Up with a slide show highlighting the various events of September 2020. The political discussion follows the multi-faceted slide show. I have placed the You Tube video at the end-in hopes of neutralizing my diatribe with the calming effect of nature.

 

American Politics

Those of you who wish to tune out here, I will hold no grudge. I absolutely hate politics as I am a bit blunt and haven’t quite figured out the art of persuasion. Or perhaps, I just feel everyone is entitled to their own opinion so why bother to force mine on others. However, I do feel the need to comment on the first of the Presidential debates.

Last night was disgusting. It was not a debate. Instead, three-yes, three- old white men failed America. Old in attitude more than with age. I say that because I am friends with a 98 year old that shows up to work daily at her retail clothing store. But, I digress.

Neither of the candidates nor the moderator fulfilled my expectations last night. They were horrific, each in their own way. My comments on each are below. These are my opinions.

President Trump

Quite simply, the President forgot to be presidential. He lost the respect of many voters last night. Maybe not his key supporters, but the many swing voters that awarded him the election in 2016. Not only did he fail to engage in a meaningful debate, he lost at least one voter when he declared the elections would be rigged if he lost.

This strikes at the heart of the matter for me. Either you believe in the system or you don’t. Our system is a good system, not perfect but good. As such I believe in it. If I did not, there would be absolutely no reason to vote! Our election will not be rigged. My county has used mail ballots for years. The system works. President Trump you should not insinuate a system is rigged if you lose. But, not if you win?!?

Former Vice-President Biden

While I was a big supporter of the former Vice-President when he ran for election in 1988, an election he had to bow out of due to health issues, I was not satisfied with his responses last night. (Although his demeanor was stellar in comparison to the other two.) He refused to directly address the questions about the civil unrest we are currently experiencing in this country on at least two occasions. This concerns me.

Furthermore, Mr. Biden, you have not allayed my fears that the far left controls you. I will not vote for socialism. You stated you were opposed to the New Green Deal, but you failed to explain The Biden Plan. Our national debt is out of control. Raising taxes is not an answer in itself. Spending cuts need to be made as well. We are running out of time before the tipping point is reached. The Debt Clock is ticking.

Chris Wallace and Fox News

The biggest failure of the night belonged to the third man, Chris Wallace. The role of a moderator is not an easy one. I know this from personal experience. But, Mr. Wallace totally failed in his effort last night. Many steps could have made the outcome better. First, a reviewing of the rules of the debate at the start, along with a statement of consequences for breaking those rules.

Second, wording of the questions in a manner not trying to create a division. Furthermore, stating the questions in a straight forward manner, not alluding to whether a candidate would be pleased by the topic. Also, making sure the candidates stay on topic. Many, many times the questions were ignored in favor of a talking point.

Finally, the presenters of the debate have the technology to mute microphones. I know this is possible at a small rural facility where I moderated a contested school board election. Why did Chris Wallace and Fox News FAIL to use this option? My disgust is greatest for their failure to bring the American public a legitimate platform to evaluate the candidates.

Jo Jorgensen

The winner in last night’s debate? Perhaps Jo Jorgensen, the Libertarian candidate on the ballot in all fifty states. If you try to go to her website jo20.com you may need to be patient. The demand has been so great to find an alternative to the two men above that the server is a bit slow processing.

While I have voted third party in the past, I had not contemplated voting that way in 2020. Until last night. I tend to be a fence sitter. We actually have a great amount of power. Year after year we decide the outcome of elections.

This year I may sit on the fence until Election Day. In the meantime, I am researching Jorgensen. Perhaps she will win my vote. For those who say it will be wasted, that may be true, but at this time I would feel tremendous angst voting for either of the men representing the ruling parties. Perhaps the leadership in both the Democrat and Republican parties need to take note. Elections are won, one vote at a time.

I do plan to watch next week’s debate between the Vice-Presidential candidates. I doubt they will get out of hand, but in the end it is the Presidential candidate that will end up as the leader of the United States of America. Not the Vice-President.

A big thanks for all who made it to the end of this long opinionated post.  September 2020 was certainly full even in the midst of a pandemic. To all American readers, please vote your conscience. We are indeed at a pivotal point in history.

The Woman in Red Book Review

Posted on by Econogal

The Women in Red is the debut novel from Diana Giovinazzo. This book is historical fiction but the author remains true to the historical facts in the life of Anita Garibaldi. Well researched, The Women in Red weaves a tale of adventure, independence and hardship into the love story of Anita and Giuseppe Garibaldi.

The author concentrates on Anita. Thus, The Women in Red first depicts Anita in childhood. Then the reader follows the story across the South American continent to Europe during the early to mid-1800s. Anita is a feminist before there were feminists. But such is the life of a woman in a land of conflict.

Brazil

Anita’s story begins in Brazil. She rides as a gaucho alongside her father. Then the first tragedy of her life strikes and she must move with her mother to the coastal city of Laguna. Away from her beloved horses. On the cusp of womanhood.

In Laguna she is forced to marry a lazy, drunken cobbler. The marriage is a disaster. Eventually, her husband joins the Imperial cavalry. Anita refuses to follow him into battle as was traditional. She sees freedom in his absence.

The Ragamuffin war in Brazil is a major theme in The Woman in Red. Because of her upbringing, Anita sides with the rebelling gauchos. She lives independently, working in a hospital and protected by her marital status. Then fate intervenes.

Giuseppe “Jose” Garibaldi

The exiled Italian, Giuseppe Garibaldi is that fate. Garibaldi is a mercenary. He has been recruited to battle the Brazilian monarchy. His fleet of ships command attention in the Laguna harbor. Garibaldi himself looms large over the populace of the coastal city.

Even though Anita is technically still married, she falls in love. So does Garibaldi. Their life together and their love for each other fills the remaining pages of the novel.

The Woman in Red

Anita Garibaldi is a critical part of the general’s success. Her accomplishments vary from her skilled horsemanship to that of a persuasive orator recruiting troops for her husband once they reach Italy. According to the novel, she is responsible for the red shirts of the Uruguay “redshirts.”

Most of The Woman in Red follows General Garibaldi’s feats and defeats as seen through Anita’s eyes. But she is a crucial part of the action. The author portrays Anita as an equal, not subservient. This is a key component of the novel.

Diana Giovinazzo

The Woman in Red is an outstanding debut novel. Giovinazzo shares in her author’s note where she has condensed the timeline in Anita’s life. The historical facts are accurate. Anyone whose interest of Garibaldi is piqued by the story will find collaboration in the historical accounts. But, this story focuses on the love between Anita and Jose.

In addition to her writing, Giovinazzo hosts the weekly podcast ‘Wine, Woman and Words’ which can be accessed by clicking here. Those of you searching for additional reading material may want to tune in. I look forward to more historical fiction from Diana Giovinazzo.

Rainy Day Fund

Posted on by Econogal

Creating the Rainy Day Fund

Creating the Rainy Day fund is both harder and easier than it sounds. Yes, quite the dichotomy. Saving money is hard because we have a consumer led economy. Consumption makes up about seventy percent of the United States Gross National product (GNP). Thus spending money is pushed in our society. Unfortunately, this is antithetical to creating a rainy day fund since savings is seen as a leakage to consumption. And thus detrimental to growth. But my premise is savings is a necessary part of an efficient economic system.

The current pandemic is an excellent example. Temporary lay-offs have stretched to six months. Companies big and small are in financial distress and so are the families of their employees. Keynesian economics fought back in the U.S.A. with the PPP program and monetary payments to a good portion of the working population.

But think how a rainy day fund could have eased the burden on families, companies and government at all levels; local, state, and federal.

Steps to Creating a Rainy Day Fund

The key step to creating a rainy day fund is to live within your means. Money spent must be less than money earned. This sounds simple, but many, many people do not follow this principle. Why? Perhaps there is confusion on needs versus wants. Or maybe individuals who have satisfied the lower steps of Maslow’s Hierarchy through spending, believe the upper levels can be reached through more spending-they can’t, but that should be discussed another day.

Needs versus Wants

However, drilling down into needs versus wants is a critical first step in creating the rainy day fund. A simple exercise helps illustrate this concept. Get out a piece of paper and divide it into three columns. In the first column write down everything you need to buy in the next 48 hours. Maybe you are out of milk or your gas tank is empty, these types of entries are what you are striving for. In the second column, write down everything that must to be purchased in the next month. Again, only write down what is absolutely needed to meet the basic needs of water, food, clothing and shelter. Finally, use the third column to list everything your heart desires. These are your wants.

Now compare the columns. Do you have the funds to cover the first two lists? If not, what is your plan? These of course are necessities. They relate to the base of Maslow’s Hierarchy. Those individuals not able to meet the needs of these first two columns should evaluate why they can’t and make changes in lifestyle. Seeking help from professional financial planners may be warranted.

If you do have the needed funds, how much money is left over? And what do you do with it? My observation leads me to believe most people start buying things off that third column until there is no money left. Unfortunately, a few keep buying on credit even after all income is spent.

Delaying Gratification

The first step to creating a rainy day fund is to hold off on purchases from that third column. However, delaying gratification in our society of instant everything is now an alien concept. And there is a place for convenience. Restaurants with drive through windows have weathered the pandemic storm better than others. Plus the adage of time is money comes into play with respect to buying clothes versus making them. However, self-sufficiency comes into play with saving for a rainy day.

Expenditures from that third column in the above activity need to occur after a financial cushion has been established. First you must pay yourself by saving the extra money, not rewarding yourself with new shoes or a pumpkin latte. So how much is left over after paying for your monthly needs? According to the U.S. Bureau of Labor Statistics (BLS) in the recently released consumer expenditures for 2019, about 15% of income is available for discretionary spending.

To Econogal, this is disheartening. As you can see by clicking here for the report, the necessary expenses include Housing at 32.8%, Transportation at 17%, Food is 12.9%, Personal insurance and Pensions take out 11.4 percent. 8.2 % is spent on Healthcare and 3 % for Apparel and Services. Add everything up and the average household has spent 85.3% on needs.

The numbers get gloomier from here. (Hence the nickname The Dismal Science for economics.) Let’s say you recently graduated from high school and the only job opportunity due to the pandemic is paying minimum wage, $7.25 an hour. Looking at the numbers, income is $1160 a month or $15,080 a year. If you are frugal and don’t buy anything from column 3, savings after one year will amount to $2262 which is less than a two month cushion. Furthermore, even I am not that frugal.

Frugality

So how can one get ahead? After all, the above numbers reflect living within ones means. Two components are needed to increase the rainy day fund. Frugality and productivity. The BLS statistics are an average. Individual expenses vary. As do needs and opportunities to save. Each person can choose where to beat the average. From a personal standpoint, housing and transportation are where I beat the average. With the exception of one period of less than three years, I have never spent more than 25% of income on housing. Thus, I enjoy an 8% advantage over the average. In the above minimum wage example that would yield an additional $1200 for discretionary income.

In my opinion, the categories which yield the biggest potential for beating the average are Housing, Transportation, and Food. Aim for a cap of 25% on housing. This should include utilities. But savings can be had by eliminating items such as cable or satellite.

Transportation is another item to look at. What are the options? Can you carpool or take public transportation? In America we seldom walk to work. Even if we live close to work. The campus I taught on was less than half a mile away. Many days I chose to walk and more often than not I was asked if I needed a ride.

Carpooling, walking and combining errands into one trip have the benefit of cutting gas expense. But the fuel tank is only part of transportation cost. Wear and tear on the vehicle shows up in the price of new tires and oil changes. Another benefit to reducing transportation cost is environmental. Just something to think about if you want to reduce your global footprint. Europe and much of the world is way ahead of America in regards to transportation as a percentage of household expense.

Productivity

The second component to increasing savings and thus creating a rainy day fund is productivity. Technically, productivity is measured by dividing outputs by inputs. With respect to labor, if your cost for labor exceeds the money gained from selling the output of labor then you are in trouble. But that is at a corporate level. What about the individual?

How does one measure their own productivity? Earned wages reflect a person’s productivity. Minimal skill levels usually correlate to low pay scales. In the above example of the minimum wage annual income, a pay increase is unlikely without the development of skills via experience or education. Or both.

But an increase in wages does not automatically create a rainy day fund. In fact, economic theory argues that increased wages leads to increased consumption. An individual making $20,000 will spend 85% of their income as will a person making $100,000.

So can an Individual put money aside? We circle back to delaying gratification. Thus, creating a rainy day fund is independent of income amount. Instead, self-discipline is the key to accruing savings. Delay buying from that third column in your early years of earning a living.

Self-sufficiency

Additional ways to save money tie to self-sufficiency. This gets a bit tricky especially in a service based economy. Self-sufficiency also is counter to specialization. But I think it is time to discuss how self-sufficiency can add to the rainy day fund.

One of the economic textbooks I used began with an illustration of how the author is more productive spending his time as an economist versus mowing his yard. He posited that someone making $50 an hour should never mow their lawn because of opportunity cost. Hiring someone to mow costs less than $50. So the economist is ahead of the game by hiring the service to mow while he works.

There are problems with this theory if you are not self-employed. (And even if you are!) The college I worked for only paid me for 40 hours of work. No overtime. None. So in my case there were many hours left in the week. (Even when I did work extra hours.) I had more money for my rainy day fund when I used those hours productively around the home.

At one point in time I investigated hiring someone to come into my home and clean for three hours a week. The lowest price quoted was $50. So to this day I do my own housecleaning. That is at least $2600 a year not spent on a service. Extra savings for the rainy day fund.

There are 168 hours in a week. Even if you sleep for a third of those hours, that leaves 112 hours. Subtract 40 and you have 72 remaining. Put those hours to productive use and you will have a rainy day fund in no time at all.

Rainy Day Fund-Important Regardless of Age or Income

Life is not predictable. Hurricanes, floods, fires and tornadoes and even once in a lifetime pandemics are unexpected but naturally occurring. Natural disasters are not the only challenge in life. Accidents, illnesses and layoffs are part of life. The longer we live the greater chance of facing multiple challenges.

A rainy day fund is necessary. If you do not have a fund do not delay. Set aside money on the next payday. The more you earn, the greater amount you should have set aside. Returning to a lower standard of living is not fun-but sometimes necessary. Remember delayed gratification and productive use of time are the key components of creating a rainy day fund.

Wizard’s Daughter Book Review

Posted on by Econogal

Wizard’s Daughter combines magic with witches, wizards, ghosts and unearthly realms with Regency England. Catherine Coulter is a masterful writer regardless of which genre she chooses. Her tales are part romance and part adventure.

Sherbrooke Series

Even though Coulter is one of my favorite authors and the Sherbrooke Series is also much loved, Wizard’s Daughter escaped my attention when it was released over ten years ago. However, a positive side to the pandemic is discovering many books I previously missed upon publication. Wizard’s Daughter is quite the mystical escape. Perfect for a lazy afternoon.

Nicholas Vail

The young Lord Mountjoy has returned to England after learning of his father’s death. He is the oldest and inherits what is tied up through primogeniture…and nothing else. All monies were passed onto three half-brothers.

But that is not the only thing that draws him back from foreign shores. He knows it is time to find the girl who has haunted his dreams since he was a small boy. She is now a grown woman, and a ward to Ryder Sherbrooke.

Wizard’s Daughter

Found near death as a small urchin Rosalind has no memory before her rescue. Not even of her identity. Yet, as soon as she spies Nicholas across the room at a ball she knows he is the one for her.

Their whirlwind romance takes on an unearthly mystery. Clues to the hidden secret swirling around Nicholas and Rosalind appear through coded passages in a book and strange visions to both Nicholas, Rosalind, and Richard, the oldest half-brother.

Paying a Debt

Behind the many secrets surrounding the young couple is a generational debt to be paid. Both must travel beyond the pale to rescue a young boy from an evil witch. Along the way they must navigate along a path filled with flying dragons, wizards and mythical beasts.

The many visions delivered in England come to pass. And yet the outcome is twisted. For in the realm beyond the pale things are not as they seem.

Catherine Coulter

Ms. Coulter is a prolific writer. Earlier reviews include Paradox, The Last Second and The Devil’s Triangle. She covers many genres and each story is a treat to behold. Wizard’s Daughter is an excellent example. Coulter combines regency romance with mysticism and the end result is an entertaining tale for fans of both genres. I enjoyed both the romance of Rosalind and Nicholas along with their adventure in a mythical realm.

After the Disaster-What happens then?

Posted on by Econogal

Responding After the Disaster

 

After the Disaster response is a topic not seen much in National Preparedness Month releases. Most of the time people talk about preparedness in terms of how to prepare for natural disasters. But, little is out there with information on what to do after the disaster occurs. What happens then? What are typical problems that arise?

Personal Safety and Wellness

The first thing to assess after the disaster occurs is personal safety and wellness. This will vary depending on the type of event. Currently in the United States, residents on the West Coast are dealing with fires while the Gulf Coast and the Atlantic seaboard are in the midst of hurricane season. Both situations have short and long term impacts. Immediate concerns revolve around human life. Long term repercussions are numerous and include clean-up, mitigation of loss and adjustment to new circumstances.

Wildfires

Fires produce a multitude of problems. In addition to the burn damage is the impact on air quality. Evacuation is essential if you live in the path of the fire. But many individuals may have underlying conditions that make smoke filled air difficult to breathe. Anyone in this category needs a supply of N-95 masks at the very least. Unfortunately, demand is high due to the concurring pandemic in 2020.

If you are not in the direct path of the fire, the air quality is still a problem. Air filters are needed for home, office and transportation. Instead of changing these filters after so many months, check often to ensure replacement occurs when needed.

Keep windows and doors closed tight. If you have an attached garage, after exiting the car, close the garage door before entering the house. Consolidate trips to reduce exposure.

Once the fire sweeps through an area, wait for the okay to return home. Why? Because hot pockets may exist. Also, routes in and out of an area may be compromised and firefighters need priority.

Clean up-After the Disaster of Fire

Ironically, a home that is not burned to the ground can cause more problems than one which is a total loss. A partially burned home is dangerous to inhabit if there is heavy smoke damage. Soot is a byproduct of fire and causes problems with both the respiratory and circulatory systems. In the long run, soot may contribute to cancer.

Therefore, cleaning indoor surface areas is one of the first things that need to happen after the disaster of a nearby fire. Ideally a professional company specializing in fire clean-up could be hired. But, if cost is prohibitive or demand too great and a company is not available, the clean-up can be done by the home owner. But I would not recommend this.

If you do choose to clean-up the fire damage on your own, please research the methods needed. There is more to cleaning soot than wiping away the grime while wearing a mask. Proper masking, good ventilation, and knowing the correct cleaning agents is essential.

Outside cleaning is also difficult. Embers may be present beneath charred wood or brush. Wildfires displace wild animals, so that is also a concern. Instinct drives animals to safety, but often that safe place is far from the original habitat. In cases of total destruction, the wildlife has to find new habitat. The current fires are pushing birds thousands of miles away.

Furthermore, burn scars can lead to future flooding. So long after the fire is put out, danger remains. The National Weather Service has excellent advice for those living near burn scars which you can access by clicking here.

Hurricanes

Hurricanes are not just wind events. Flooding from tidal surge as well as from rain can do much damage. After the storm passes there are precautions to take while cleaning debris. Good work boots and heavy gloves are a must.

Wild animals are a key problem after a major flood producing storm. Rising waters push various animals out of their habitat. So, not only will mice, rats and other small animals seek shelter on dry land around homes, so will their predators. Snakes are a particular danger as they can blend in with the debris found along the outer edges of the high water marks. Gators have been found swimming in backyard pools. Seek help to relocate predatory animals.

In addition to the aforementioned boots and gloves, flood clean-up tools for outside the home include rakes and chain saws. The rakes can serve two purposes. First, they can pile the small branches and flood debris. Second, they serve as a distance tool for any snakes or other small creatures which may cause disease-especially those that succumb to the flooding.

Tree after hurricane cut up with chainsaw
Chainsaw was needed after the disaster of a hurricane.

The wind is not the only factor in trees falling. Waterlogged roots create instability. The combination can be deadly. Chain saws can make quick work of downed trees. This heavy equipment needs to be used by an experienced person. The chain saw itself can cause harm if used improperly.

Generators are also useful for after the disaster. Electrical outages are common after a major storm. While whole house generators which are wired directly into the home are ideal, they are also expensive. Portable generators are more cost effective but have several limitations. They are harder to use and proper storage of fuel as well as high fuel quantities needed create problems.

After the Disaster-Finances Needed

The best thing a person can do to prepare for the financial after effects of a natural disaster is to have a rainy day fund. While home and auto insurance is important, few policies cover all expenses after a disaster. Personal savings are a must. In a large event, Go Fund Me Pages will not be the solution. Individuals and families will need self-reliance.

A rainy day fund is not the same as investments in the stock market or real estate. Cash is king for emergencies. In my opinion, six months of expenses needs to be tucked away in a low interest savings, checking or money market account. Additionally, a limited amount of cash in small denominations along with some coin need to be carried with the person or in the home. By limited, maybe a week’s worth of expenses.

Electronic payments via credit or debit card will not work when the electricity goes out. Store clerks will often only do business with cash carrying customers. And there will be places not willing to open shop at all.

Building a rainy day fund will be the topic of next week’s post.

About A Rogue Book Review

Posted on by Econogal

About a Rogue by Caroline Linden is one of the most satisfying regency romances I have read in a very long time. Even though the novel is not a sweet romance, and the spice is red hot, the characters are heartwarming. The romance is real. Those who prefer chaste passages of lovemaking should skip those passages, but not the book.

All About a Rogue

The story centers on a rogue. A distant heir to the dukedom of Carlyle, Max St. James seizes his chance to turn his lifelong misfortune into fortune. A small stipend offered in exchange for cleaning up his act allows him to search for a long lost and hidden relative and to create a better future for himself.

Max is all business as he pursues his fortune through a partnership in Tate & Sons. Since the last of the Tate’s only has two daughters, Max’s offer as a business partner and as a son-in-law is accepted. Sort of.

An Exchange of Sisters

Max offers marriage to the oldest daughter. Unbeknownst to him she is already in love with the vicar. She elopes and he is presented with the younger daughter. He gambles and he wins. But not without a lot of patience and fortitude. The willingness to earn his bride’s love by waiting for a wedding night is refreshing to a reader in this modern time of instant gratification.

Bianca Tate is married to the business. She works developing glazes for the pottery. And she does not want the handsome rogue taking any part of the business away from her. Vowing to hate the scoundrel for eternity, she too acquiesces to the marriage. But, she is willing to sacrifice to keep control of the family industry.

Patience Outlasts Disdain

Both characters are quite like-able and the attraction between them is not forced. Linden’s writing flows as does the plot. The rogue is truly one of the good guys and Bianca is a strong, intelligent woman. And very forgiving.

Readers who love regency romances will fancy About a Rogue. This is the first of Caroline Linden’s books I have read. But it will not be the last. I just hope Libby has more available by Caroline Linden.

From Summer to Winter-Changing Seasons on the High Plains

Posted on by Econogal

Two days ago it was 105 degrees Fahrenheit, or 40 degrees Celsius and now the chill feels cooler than the 41 degree Fahrenheit (5 Celsius) and we have gone from Summer to Winter in 48 hours. This temperature swing is not unusual for the High Plains. But the timing is a bit earlier than usual. Since I moved to this part of the world, the earliest snow, a mere dusting, occurred back in 1995 the third week in September. The latest seasonal switch occurred about a half dozen years later on the Monday before Thanksgiving.

Two days ago the forecast was calling for snow and a frost. So many, many hours were spent in the garden harvesting everything ripe, or close. Now the forecast has backed off a wee bit. A slight chance of sleet but the temperatures should stay above freezing. The work is not wasted, and the delay-if it happens- will allow the melons to ripen.

The harvest was focused on tender plants. Those that freeze as soon as the thermometer registers 32. So a plethora of tomatoes, cucumbers, eggplant and peppers were plucked from the garden. Batches of salsa, spaghetti sauce and Lemon Basil Eggplant Caponata filled the house. Jars cluttered the counter tops. And the smell reminded me of all the Sunday Italian meals I enjoyed during college.

Summer to Winter Chores

Not all the crops were harvested. The melons are a risk, but they need another three weeks to ripen. The sweet potatoes are still growing like gangbusters and also benefit if the temperatures remain above freezing. Likewise with the potatoes and the peanuts.

The beans are at a variety of stages. A small amount were picked from the bush beans ahead of this summer to winter action. But the pole beans I left unpicked. Both the Cherokee Purple and the Blue Lake Pole are heirlooms. They are setting seed now. This year’s Cherokee Purple plants were grown from seed saved off last year’s plants. They are a mainstay in my garden.

I mounded straw around the artichoke, just to be on the safe side. Plus, that area of the garden is slated to have the frost hoop. Hopefully, the double coverage will protect a few key plants from this first wild summer to winter swing. While the Rosemary can handle temperatures down into the teens, the basil will not last the night if the temperature wobbles around the freezing point.

These next two nights are critical for the garden. I am hoping for a near miss. But if the freeze happens I will begin getting the garden cleaned up for the colder months.Harvested Peppers Summer into Winter