Closing time…

The good news, I suppose, is that after months of screwing around, I’ll be closing on the new mortgage for the homestead on Friday morning. The new rate, 1.26% less than the original note, will save me several hundred dollars a month. 

As far as I can tell, all the paperwork is in good order and there theoretically shouldn’t be any problems getting to the closing table. The team I’ve been working with to get this work done have been spectacular – as johnny on the spot as any bunch of paper pushers I’ve ever dealt with. Color me cautiously optimistic.

I looked into a lot of options this time around – and strongly considered going with a 15 or 20-year mortgage to slice years off the life of the loan. Ultimately, though, reducing the overall cost of housing was the more important consideration. I can certainly allocate the savings to more entertaining or remunerative uses than keeping a roof over our heads. At rates under 3%, there’s very little incentive not to use other people’s money for as long as possible while seeking out a better ROI for my own dollars.

The only catch in this otherwise good news story was the moment I read over the estimated pay off date – sometime in 2051. As a child of the middle-to-late 20th century, 2051 doesn’t even feel like a real year. It’s some Jetson’s, deep space, basically unimaginably distant point in the future. Although I’ve spent nearly as much time in the 21st century as I did the 20th, I don’t think I’ll ever be entirely settled with it.

Under other circumstances, I’d be concerned about having a mortgage sticking that far out into the future – well past the date I expect to throw off the yoke of working for a living. As much as I like this house, though, staying here forever has never been the endgame. I think I’ve got one more big move left in me, hopefully to something built to suit my own undoubtedly quirky specifications. With this latest refinance, I won’t be paying off a hell of a lot of principle over the next 15 years, but I’ll make a modest dent. Throw in a decade and a half of (presumed) appreciation and there should still be a respectable nest egg to throw at building the last and final Fortress Jeff. 

We’ll just have to see how well that particular plan holds up to the intervening years… but again, on this point I’m choosing to be cautiously optimistic. 

Second week…

I’m now into the second week of this long Christmas break. I’m quite sure I feel more relaxed, though probably no better rested than I did a few weeks ago. Lying about in bed or whiling away the hours snoozing on the couch aren’t really in my repertoire. The psychological imperative to “do something” is far too strong, even if that something is just tinkering around with truly minor repairs or sticking my nose in a book.

I’d usually spend this week chasing down new (old) books for the collection or running errands/tackling projects that are more involved than is convenient to fit into typical weekends. Life in a plague year has given me ample opportunity to take on those projects already – or at least the ones that don’t involve any specialized skills or abilities and therefore need to be farmed out. The search for books, of course, will have to wait for a bit yet, despite the almost overwhelming temptation to mask up and roll the dice. I could plug in some online orders to scratch that itch, but seeing them fall into the black hole of the US Postal Service for delivery God knows when feels like it would do the exact opposite of improving my sense of relaxation.

Probably more than anything else, what this two-week reset has done is reaffirm my firm belief that I’ll be beyond satisfied not schlepping to work (either in office or virtually) at the moment I reach that magical congruence of age, years of service, and fiscal sufficiency. Even here, in the belly of a plague year, when I can’t or opt not to do many of the things that I so heartily enjoy, time is better spent than it would be knocking together version fourteen of a random set of slides or flinging email into the bureaucratic void. 

Excess free time…

Being on leave at the moment, I’m living in a bit of a strange gray area – somewhere between paying attention to what’s happening in the broader world and not. The further I slide into this little vacation-in-place, the more “and not” that area takes up. Dispensing ear scratches, fiddling around the house, and the mountain of books I live with are slowly expanding to take up all the available white space. It’s hardly the worst way I’ve spent my time.

It would be easy enough to slip back into a mode of ranting about the president, or Congress, or the Great Plague. The closest thing I’ve come to that, though, is occasionally kicking a hornet’s nest on Twitter just to see what kind of reaction I can gin up. It’s a mildly entertaining way to pass the time. As it turns out, according to anti-vax / plague deniers on that particular platform, I’m a damned dirty commie who should shut my stupid mouth. Like I said, it’s entertaining enough, but not exactly an intellectual challenge. I am learning to appreciate their furious thrashing when I only respond to them using gifs, though.

I know I shouldn’t be using this time to feed the trolls, but honestly, I just can’t help myself. There are some honest to God issues in the world, but getting your blood pressure up on the internet doesn’t feel like a way to solve any of them. I’m sure the novelty will wear off in the next couple of days.

It’s a good thing the books and animals are always standing by to fill in as much of the excess free time as comes along. I mean I could finally get around to filling the 852 nail holes the previous owner left in the walls here on the homestead… but since that project has been on the list for five years and hasn’t gotten done yet, chances aren’t so good for it making the cut.

Absolute rubbish…

As we trundle towards the middle of December, we’re almost constantly reminded that “It’s the most wonderful time of the year.” 

Who came up with that nonsense? It’s cold. It’s dark all the damned time. For about two weeks people pretend they’re not truly insufferable douchebags the other fifty weeks of the year.  We collectively ignore all evidence to the contrary and insist that the vast sweep of human history on this planet has anything at all to do with peace and goodwill.

I don’t care about most of that, really. I can deal with the cold. I can tolerate fake ass people. God knows I’ve got enough experience at that. I don’t mind the snow or ice when it comes right down to it. 

It’s the fact that I’m sitting here at 10:00 AM on a Wednesday and the sun, shining through my home office window, is now nearly at its zenith for the day – and that means by the time I turn around again it’s going to be headed back towards the far horizon and it will be nearly dark by the time I shut the lid on my laptop for the day. Everything else is marginally annoying, but it’s the 27 minutes of non-work time daylight that makes this wonderful time of year excruciating. 

With the exception of knowing that the solstice is fast approaching and we’ll start adding precious minutes of daylight soon, this is just an absolute rubbish time of year and that’s absolutely a hill I’m willing to die on.

A nine hour mistake…

I spent the first nine hours of today mistakenly under the impression that it was Thursday. 

It turns out, it is not… and that has been a tremendous disappointment throughout the remainder of the day.

It’s mostly a disappointment because it injects an additional day between me and my next scheduled long weekend. In the panoply of possible sins, that feels like a mortal one, as there’s not much I take more seriously than time spent not spent fiddling with spreadsheets and briefing slides.

Since I had originally planned to fire off the week’s edition of What Annoys Jeff this Week tonight, I don’t have all that much to say. I was woefully unprepared to need what now feels like an extra post this week.

What I will say, without additional comment or commentary, is that almost eight months into doing business under the black flag of the plague, you’d think we’d have sorted out most of the day to day issues. You’d think that, but you couldn’t be more wrong. The deeper we forge into the plague lands, the more people seem to forget about things I thought we’d sorted out months ago. 

That realization seems somehow fitting for the day, really.

When interests overrun time…

I’d like to get back to writing. Not just blogging, which I love, of course, but proper writing – telling stories and building worlds. I won’t claim to be particularly good at it. Perhaps that’s a failure of imagination on my part, but it’s honest labor that I enjoyed.

Time, as always, is my eternal enemy. Even in the midst of a plague year there isn’t enough of it. What time there is, I spend with my nose in a book someone else wrote… Because there’s always one more thing I want to read. In fact, there’s somewhere north of 500 somethings I want to read already here, shelved, and waiting for me to get to them.

The secret to really getting things done, I’ve always suspected, is not sleeping. Although I have grown increasingly fond of those six hours a night. I wonder how well I could get by on a little less. given my already surly mood, the answer is probably “not well.”

At some point the only reasonable thing to do is accept that X number of interests don’t fit into Y amount of time and descope where I’m trying to spend my hours. It makes perfect sense, but I’m not quite ready to make that decision. Maybe I’ll never be… and maybe that’s the point.  

On the virtue of hoarding…


I’ve been hoarding vacation days. I’ve mentioned it before. I’ve been hoarding them in hopes that someone at echelons higher than reality may have a change of heart and let us carry over more leave than usual into next year. With those hopes extinguished, it seems I’m about to reap the benefits of my months-long refusal to use leave a little at a time when I was already staying home anyway.

The rest of the year looks a little something like this: Next week features am impromptu four day weekend. Then I’m working three weeks followed by a week off. Three more weeks of work and then another week off. Then I work a week and pull in another four-day weekend. Finally, it’s work three more weeks and then take two weeks of vacation time to cap off the year.

Sure, there’s still a pretty significant chance I’ll be spending most of those days at home, but weighed against the prospect of losing the time completely, it’s hardly a sacrifice.

At some point during our long march through the plague year the bosses are going to expect us back in the office on a regular basis. On the off chance that happens between now and January 4th, at least I’ve build myself a nice cushion of down time so I can kind of ease back into the routine that we’ve spent the last seven months proving to be antiquated and unnecessary.

Sure, our political overlords are shit, the bureaucracy is ridiculous by its very nature, and the work can be grindingly routine, but that big bucket of leave you get after spending 15 years on the job absolutely does not suck.

What I learned this week…

At the risk of being accused of not taking anything seriously, the thought that’s occurred to me more often than any other this week is wondering how, exactly, so damned many people have eight or nine days off, largely in the middle of the week, to be able to spend so many days in a row schlepping around the streets of America’s major cities. 

I wish I were even being facetious. I’m simply amazed that so many people have the amount of free time in the middle of the day that being this level of involved would require. I mean don’t get me wrong, I’ve got a nice pile of vacation time stacked up, but not so much I can fire off a week of it at a time due to unplanned circumstances.

Maybe what I learned is that I’m not getting as good a deal on leave as I thought I was. Best believe I’ll be making sure to educate myself further on this one.

What Annoys Jeff this Week?

1. Having no room for subtlety. If the internet wants to agree that all cops are bastards, then by extension we should also agree that it’s ok to define other populations based on a small percentage of the total. Based on this kind of bizarre internet logic, we can also accept, without further discussion, that all whites are racist, all blacks are lazy, all Jews are greedy or whatever your favorite stereotype happens to be. I just don’t have the time or energy to pretend that the world’s great complexities can be distilled down to snappy sound bites or funny, funny memes. The world is too damned complicated for that abject fuckery.

2. The moment before. I can tell the “big thing” is getting close. The phone has mostly stopped ringing. The torrent of email has turned into a trickle. A year’s effort is poised at the edge of the precipice that we must surely tumble down in just a few more ticks of the clock. I love this part because it means the big thing is almost over. I hate this part because there’s virtually nothing to be done now to change the direction we’re headed or the outcomes we’ll experience.

3. Reduced page count. Being back in the office this week has noticeably reduced my daily page count. Losing that hour in the morning and hour in the afternoon that are the daily commute is drastically cutting into my reading time and honestly I’m not a fan. I can’t help but think getting my nose into a book is, frankly, a better use of the constrained resources that is available time. Going back to doing this every day for real until the next plague comes along is just depressing.

What I learned this week…

I’ve never picked up a book that I didn’t learn something from it. One of the most unexpected things I’m learning due to my enormous “to be read” pile is how much more I enjoy reading history written in the 20th century than I do many of the modern reinterpretations. That probably shouldn’t be surprising given my general intolerance for most aspects of the 21st century. I’m fortunate though to have a keen interest in topics – the world wars, the Roman republic and empire, England from prehistory to the present – that have already been extensively plumbed by some of the true giants in those areas.

While I’ll pick up some of the new releases, I don’t find myself particularly enjoying many of them – or the modern historian’s penchant for wanting us to believe that everyone who ever carved their name into the historical record is evil and we should all feel badly about it. It makes me wildly appreciative of having such a wide selection of the older works that don’t nearly as often read like someone’s effort at forcing the past into a mold that supports the social agenda flavor of the week. I like my history a little less preachy.

I welcome and encourage everyone to read what interests them, but I’ll stick with delving into the saga of great men and great deeds. I guess it’s my own variation of dancing with the one that brung ya.