Category Archives: Uncategorized

Big Oops on the RRSP front

piggy-bank As much as I morbidly doubt that I’ll make it to a ripe old retirement age, I still dutifully contribute to my RRSP.  This year taking a small loan from my line of credit seemed worth it considering that I would get half of it back in my tax return and could pay off the rest relatively quickly.

To complicate matters, my dad spoke with his brother, an investment advisor, for advice on how I should invest my meagre funds.  Being woefully uninformed about investing myself, I appreciate advice from those in the know.  But the best course of action was, in part, to switch my RRSP to another bank.

I made an appointment with the other bank, signed up for the new RRSP, and wrote them a cheque for this year’s contribution.   I completed and filed my tax return, and was happy to have it done with.

Imagine my shock when I checked my bank account today to find my line of credit nearly maxed out.  And then it dawned on me – in all the chaos of last week I had forgotten to cancel the transfer I had previously set up to make a contribution to my old RRSP.  Oh NO!  Could I reverse it?  Would the tax man kick my ass for overcontributing to my RRSP?  If I took out the funds would I be penalized?  Total horror.  Not to mention that I feel like a complete moron for this total financial blunder caused by my absentmindedness.

I called my bank, waited on hold for 20 minutes while being serenaded by some horrendous 80s saxophone muzak, and then begged the rep to help me.  “Can you undo the transaction?”  The answer was basically, oh, you are switching your RRSP to another bank?  Well eff you. Don’t get me wrong, I love my bank, but it was like being caught getting it on with the milkman.  Sigh.

After work I called CRA and asked what I should do.  Will I be penalized for this?  The very reassuring guy on the phone said I had two options to fix the mess, both requiring a ton of paperwork (of course) – apply to get the money back without penalty, or apply to have it count for 2009 tax year.

I’m glad to know that there are options, but I still have to decide what to do.  The logical answer is that I can’t afford to keep the extra money in the RRSP so I should get it back.  But a year from now I’ll probably be depositing that amount in my RRSP anyway, so why not leave it in there?  Maybe if I really bust my ass I could pay it all off…but I just don’t know.  I guess I can think about it for a few days, while I peruse the craigslist job ads for dogwalking positions…

Murse!

Derek Alexander purseEver since we travelled together to BC last summer, I’ve been nagging my partner to get a murse (for the uninitiated, murse = man purse).  I have a great little rugged purse from Derek Alexander that is perfect for travel – it has all the right pockets to hold maps, camera, phone, passport, etc., and has ventured with me to Manhattan, South Korea, Montreal, BC, and Spain.

I don’t know how men get by without one of these wonderful contraptions.  When G and I were in BC together this summer, he often asked me to stash his camera and various other things in my purse.  Eventually it got so heavy that I said “dude, you’ve gotta get a murse!”

At first he resisted, but eventually he came around.  We looked and looked, but even the most unisex designs didn’t have a long enough strap to fit a 6’2″ guy.  Finally, we found a winner in a great little bag shop in our neighbourhood.  We had to order it and have been waiting for a few weeks.

Well, yesterday the luggage shop called my partner to tell him his order was in.  He said “Oh! I believe you have a murse for me!”  The woman on the other end of the line paused, said “um yes!” gave him the details and then hung up laughing.  Haha.

After two days of use, my partner is a full-on murse convert now.  What man could resist something with so many cool pockets?

Brr!

f1010015It is -35°C with the wind chill today. What is up with that.

Well, at least this deep freeze will make for some good skating on the canal, that is, once it’s warmed up enough to go skating without getting frostbite.

I just want to cocoon inside the apartment with my huge slippers on, wrap myself in snuggly blankets, and spend the day napping and reading and drinking hot tea.

The uterus I’ve always wanted!

plush-uterusJust stumbled on ma n’ pa operation I Heart Guts! and think it is just so cool.  I could never really get into teddy bears, but plush snuggly livers and gallbladders?  Now THAT is awesome.

My favourite of the bunch has to be the smiling uterus and fallopian tubes, which is unfortunately on a product recall right now since the eggs can pose a choking hazard for small children.  I hope they start making them again soon though, because I would love to order one!  (Also, I hope they make a stomach and intestine!  And my partner chimes in that he would like a spleen!)

Although as a feminist and “modern woman” I feel that I am supposed to have some kind of enlightened relationship with my uterus, I would have to say that it has always been kind of adversarial.  Damned uterus!  Quit it with your cramping and your threats of fertility!! I’ve  always joked that I wished I could just take out my uterus and keep it in a glass jar in case I wanted to one day use it.  Maybe a cute, plush, happy smiling uterus that I can cuddle with will help me feel a little more friendly toward my own uterus and stop the cold war between us.

New Year’s Resolutions…sorta.

Photo by Malglam (Flickr)

Photo by Malglam (Flickr)

Every year, I make new year’s resolutions.  They tend to be overly ambitious blueprints detailing how I plan to transform myself into a quintessential Mary Poppins – Practically Perfect in Every Way – stepping into my ideal vision of myself: someone who eats perfectly, exercises regularly, studies every day, and never ever uses throwaway containers (etc. etc. ad nauseum).  In other words, my new year’s resolutions lists (manifestos, really), are doomed to failure.

Over the past few years, I’ve managed to cut them back from several double-sided pages to just a page or two.  But last year, I tried to increase my chances of success by building a whole new year’s resolutions binder system, where each resolution had its own tab and associated calendars, performance measures and a way to track results (can you tell I work in a cubicle?).  Of course, after a few days, the binder ended up piled under the paper avalanche on my desk, and was never seen again until I unearthed it a couple of days into 2009.  Looking through it, I saw that as usual, I had not met most of my goals for the year, but had met some, so, it wasn’t a total failure.  But still, the madness had to stop.  Earth to self: all of these goals amount to personal growth, which is a huge, ongoing process.  Stop trying to force personal growth by organizing it to death!!  Sheesh.

Anyhow, this year, I limited myself to 5 goal areas (in no particular order): financial, arts, writing, health, and school.  I have many, many more goals, but I am trying to just focus on a handful of them to preserve my sanity.  Onward:

1. Financial stuff

Only two goals here: pay off my line of credit, and start saving in a Tax Free Savings Account.  To kickstart this, I opened the TFSA and deposited a symbolic $5 in it.  My line of credit is not too scary, but it still drives me NUTS carry any kind of debt around.  I had a similar amount of debt this time last year, and paid it off by April…at which point I went on a trip to Spain for a couple of weeks and went right back in the hole again.  And when I was almost dug out from that, I moved apartments (always more expensive than one thinks), then went on a trip to BC for a couple of weeks.  So, I’ve decided that as much as I love to travel, I need to have the discipline to not travel again until my debt is paid off and I can save up for the trip and travel on saved funds.  Also, I need to stop shopping.  Seriously.

2. Arts

This one is intended to keep me from neglecting my crafty side, and includes things like finishing a sewing project, making something out of the huge bags of buttons I’ve collected, and using the drawing tablet I snagged in a boxing day sale.  And I’d really like to learn to knit in the not-too-distant future.  It seems very relaxing.

3. Writing

My goal this year is to submit two articles for publication (one academic, one not), try to blog at least once a week in both of my blogs (since during busy times I tend to fall off the wagon), and sit down to do some creative writing once a week.

4. Health

This year, as every year, I resolve to improve my health.  The goals are mostly the same as always, and include:

  • Get to bed early.
  • Floss regularly instead of sporadically (eww, I know).
  • Keep an exercise calendar again (I used to do this and found it really helped).
  • Go mostly raw foods (have done this before and it felt great! …just so hard to keep it up, especially in the dead of winter).
  • Cut out gluten and soy (as per recent test results…should make going raw easier too).

5. Grad school

This year I’m getting organized to write my thesis, so I resolved to put together a project binder for it based on the notebook method.  I just completed this yesterday, and although I’m sure it will need to undergo some tweaking, I am so far quite optimistic about it.  I am also working on scheduling study times, although in a realistic way this time instead of aiming for some horrendous every-waking-minute-scheduled thing like I tend to do.

- – -

I am thinking about using “don’t break the chain”-style calendars to help motivate my thesis work, exercise, and flossing.  I don’t dig the web app so much (unless there’s a way to show all different chain calendars on one page?) so I think I’ll just make up paper page printouts like this for each goal and tape them to the relevant places (desk, bathroom wall).  In fact, looking at this, I think these three goals are my top three.  When they are going well, I bet everything else will too.

Anyhow, that’s the rundown.  It still seems like too much to try to change all at once.  I certainly do feel like it makes more sense to tackle one goal at a time, or one per month, but the reality is that I need to get healthy in a big way, debt sucks, and I need to dig into my thesis if I’m going to keep my MA program rolling.  So I guess I will just muddle along on these and stay focused, but try not get discouraged if I can’t build Rome in a day.

Holiday retrospective: Christmas avoidance experiment

peng_shuiI’ll confess: the holidays make me twitchy and stressed.  I have an intense disliking of most of the trappings of Christmas.  Add to that that I am not religious in the slightest so the holidays are just a cultural celebration for me anyway.  I don’t go to church, I don’t eat turkey, and I never bother getting a tree or decorating the apartment.  And let’s face it; family gatherings can be stressful as heck.

This year I was determined to avoid Christmas at all costs.  “I’m cancelling Christmas!”, I exclaimed.  Of course, I struggled with what this would actually entail.  What I really wanted to cancel was all the holiday stress, and the accumulation of more “stuff”.  I resolved to not participate in holiday gifting – not buying nor receiving presents – and also to cut back on the intensity of holiday gatherings.

This experiment was a great success with my dad and stepmum; we wanted to do something fun together instead of buying more stuff.  So about a week before Christmas, we (my parents, partner and I) went to a nature spa in the Gatineau hills.  We spent the morning relaxing together in the spa’s sauna, steam room, and outdoor hot tub,  dashing in and out of icy waterfalls and pools (brr!), and sitting around drinking tea in our bathrobes in the relaxation room.  It was a wonderful morning, a nice way to spend time together, and a collective gift to relax and remove some of the holiday stress.

On the other hand, my mother was not too keen on my enthusiasm to avoid Christmas.  The no-gifts thing didn’t really fly with her; she loves to shop and loves buying presents for people.  “You’re depriving me of joy!”, she lamented.  And truthfully, it was difficult for me too.  I definitely inherited my mom’s shopping gene, and I do love to give people presents (though I hate doing it because the calendar tells me to, as with Christmas).  I ended up still doing it in a round-about way, bringing bottles of wine and flowers to Christmas dinner, and buying gas for my brother who made the long journey for the family holiday.  And, I made a donation to a literacy foundation in honour of my mother’s love of reading, something I have always been so grateful that she passed onto me.  But somehow this felt more relaxed; I was giving people consumables in a specific context, nothing had to be wrapped, and it was more spontaneous.

My mother surprised me too.  As my partner and I left her house after Christmas dinner, she thrust two gift bags into our hands.  We opened them when we got home.  In my partner’s bag was an IOU for some of mom’s amazingly delicious homemade butternut squash soup.   In mine, a subscription for Body + Soul magazine (from one magazine addict to another).  And, she had made a donation to World Vision for each of us that would buy medical supplies in impoverished countries.  This really touched me.

See, this is what I was going for when I wanted to avoid all the crazy, overblown, shiny pile of wrapping, gifting overload.  Thoughtful gifts that fill a need, not just more stuff that takes up space.  Soup to nurture the body and soul, a donation to those who need it so much more than we do, flowers to brighten up a home, gas to help a loved one make the trip, and of course, the gift of just spending time together.  Not buying stuff because I feel like I have to because the calendar says so, not going down a list and trying to think of stuff that people need when they really don’t need anything.  Not feeling stressed by a pile of shopping and wrapping and travelling and cooking and and and and.

Less stuff.  More love.  That’s my new holiday motto.

Procrastination blog in Psychology Today

I have a major academic crush on Dr. Timothy A. Pychyl, an associate professor of psychology at Carleton U (represent!) who specializes in the study of procrastination.  A long-time foe of mine, procrastination is something that pretty much everyone battles to some degree or another – especially students, it seems.  After all, who wants to crank out thousands of words on Polanyi’s double movement when you could be putting some moves of your own on your foxy significant other? (or basically, doing anything other than writing about Polanyi…gee, I think I see some dust on the floor over there, where’s my broom at?)

Dr. Tim has a very intimate knowledge of the procrastination demon, and writes a blog on Psychology Today (one of my fav magazines) that is filled with excellent articles to help you better understand procrastination – why you do it, and how to stop it.  For example, this article - 3 tips to reduce procrastination today! – which offers common sense but excellent advice such as “just get started”, “be honest with yourself”, and yes – “suck it up!”

If nothing else, reading his blog is an interesting way to procrastinate. :)

Speaking of which, I had better get back to my paper…

Awesome space-saving bookshelf staircase

bookcase-stairwayI’m a design geek and a bookworm, so naturally, I absolutely adore the idea of creating a magical book staircase where you could perch on a step and browse through your beloved library.

Of course, it looks a little treacherous, and from the vantage point in the photo, it feels a bit like peering down a deep hole.  But thanks to a skylight above, it’s beautifully lit with natural light.

I think the staircase in this home would have been really steep anyway.  I remember my grandma’s old house had a similar staircase to a loft attic, hidden behind a hallway door.  Those stairs were super steep and scary as heck!  I always went up and down them very carefully.

If you did the same with these stairs, I think you’d be fine.  They’re designed with an alternating tread, so you only put a foot on the ‘big’ half of each step.  That just eliminates what is generally the unnecessary portion of the step, so it uses steep space better.

The one thing that might be a bit difficult is keeping the library free of dust and dirt.  But I would take that job any day for a chance to have a library like this.

More pics on Apartment Therapy!

Amazing Waterfigures on Flikr

Check out this amazing photo set on Flickr!

The images are super-fast shots of coloured water in motion.  I totally had to do a double-take.  The photographer captured some really incredible shapes.

waterfigure

The Gorilla Sandwich: hopefully in stores soon?

gorilla-sandwichFile this under “wish I had a Star Trek replicator.”  The Gorilla Sandwich sounds like one of the yummiest, most convenient raw food inventions to date.  Raw fooding can be a bit challenging from a convenience standpoint.  And it can also be quite messy.  The Gorilla Sandwich looks like it would solve both of those problems, with a completely self-contained design (no flopping lettuce leaves as ‘bread’), and the idea of buying at a quick-stop would be awesome.  My only reservation is the cucumber itself, namely, the dreaded cucumber skin induced gas of doom.  But I would still try the sandwich, in the safety of my own home.

I hope this nifty invention finds its way to Canadian store shelves soon!  But at the very least, they’ve posted such helpful directions that I may have to try making it myself.