Monthly Archives: January 2008

Should a Single Woman Have a Will?

(This is cross-posted at BlogHer.)

I’m a 27-year-old female with no major health problems; someone who tries to take care of herself and make good food choices. I hope to be around for a long time, but you just never know. And if something did happen to me, what would happen to my assets?

I’m not wealthy, but the thing is, that doesn’t matter. I own my car outright, and I have a savings account and a retirement plan. The retirement plan is the only one where I had to designate a beneficiary, so it’s the only asset I have that would go to someone else automatically. (My older sister has been the sole beneficiary on my retirement plans for about ten years, through several jobs I’ve held during that time. Hers is the only social security number I know by heart, other than my own, so it’s easy to remember when I’m handed one of those HR forms to fill out — the first five digits are the same as my own.)

But what happens to the rest of it? I can assume my family would know to split up any assets I have between my siblings — but it’s not always that easy, right? Depending on the state where you live, it can get complicated. Assets aren’t always divided automatically between your next-of-kin if you haven’t designated that in advance.

What I ended up doing was buying access to the online version of Suze Orman’s Will & Trust Kit. No expensive lawyer to hire; no software to download — all I had to do was pull out my credit card and pay the one-time fee of $13.50. I haven’t gone through it yet — all I need now is a bit of uninterrupted free time — but it looks fairly simple. Fill out a questionnaire, and it automatically determines which documents you need so you don’t have to slog through all the options and determine which ones pertain to you.

Another task I need to do, which doesn’t require filling out forms or getting them notarized, is something I’ve had on my 101 Things list since I put it together last January — write a “If something dire ever happens to me” letter. It’ll list all the bills I pay on a regular basis, and where my accounts and credit cards are located.

You see, in the interest of saving paper, I don’t get bank statements or paper bills sent to my home address; they’re all delivered electronically to my email inbox. Since I’m the only one who knows my password, who else would be able to access this information if I didn’t write it down? Even if the online will-program takes a while to complete and make official, at least my family would know what type of accounts I have, where my savings account is located, etc.

I found out about Suze Orman’s Will & Trust program at Paying Peter Back, a personal finance blog. She wants to become fiscally healthy, and the first thing on her to-do list is to get a will. Her best point? Doing this would cost less than the price of a large pizza.

Now everyone knows that you need a will but it’s one of those things that often gets put on hold indefinitely because it means actually facing your own mortality, and it costs like 10,000 dollars and “I don’t really have anything anyway.” WRONG!!! Yes, you are going to die, no two ways around this one. It does not cost lots of money. Over on suzeorman.com, you can purchase a will and trust kit that literally walks you through all the forms for a whopping $14.45. A large Papa John’s pizza is 15.95. [...]

I liked Suze’s forms, because it contains the forms for a will, revocable living trust, and the Advanced Medical Directive (AKA the Terry Schaivo form). All that for less than a pizza.

From Single Edition: How Do I Know if I Need a Will?

[A] will is recommended to ensure that your property is distributed according to your wishes. If you wish to leave items of personal property or money to a friend, charity or relative, a will will help you to do so, and can facilitate substantial tax savings not only to your estate, but to the estate’s beneficiaries. It will also help contain administration and probate expenses.

If you die without a will, your State’s law will determine what happens to your property in a process called intestate succession. This usually requires appointment of an administrator by the State, eating up costs and time. [...] Even if your will contains just simple instructions naming an executor and directing your funeral requirements, it will create less stress for those you leave behind no matter how minimal the distribution of your possessions or assets may be.

Have you made any of these types of preparations?

Related reading:

Top Three Legal Documents Every Person Should Have

Do I Really Need a Will? Why you need one (even if you’re not rich), and a good explanation of the different terms.

Do You Need a Power of Attorney?

Pengwenn: she doesn’t care about her assets, but as a writer she does care about what happens to her stories.

Joining a Gym: Things to Consider

(This is cross-posted at BlogHer.)

Before I started going to the gym, the prospect intimidated me. It was the same feeling I experienced when I thought about public speaking, or going on a job interview — I was afraid of looking stupid. It wasn’t the cardio machines I minded so much; they’re pretty self-explanatory. It was the weights.

What helped me get over my fear? The encouragement of someone who knew what they were doing; a person who knew their way around a gym and could explain things and show me what to do. Not only that, after a few weeks, and then a few months, this person could point out the progress I’d made — how I’d started out lifting a certain weight, and now I was able to do more; how difficult it was for me, in the beginning, to do more than a few ab exercises, like leg-lifts, without having to stop. (As we all know, being thin does not always equal being fit — and I most certainly was not.)

If you’re ready to make changes in your life — if you’re not already a regular gym-goer but would like to be — I know firsthand how hard it is to get started. You worry about being another statistic; one of those people who sign a contract for a year or more and end up only going sporadically. I do think you have to be mentally ready before you make that kind of long-term commitment (otherwise, you’d probably be better off exercising at home and outside).

But once you get there, although it’s helpful to have a friend who can give you personal attention and show you what to do, that’s not a requirement for success. Many gyms offer free personal-training sessions included in your contract, and at the very least someone will be willing to show you how to work the machines. Go online, get a book, pick up a fitness magazine — there are tons of places to find instructions about how to lift a dumbbell; what kind of sets to do; which muscle groups to work.

When you’re thinking about joining a gym, one thing that’s important to ask yourself is how much you’re willing to pay. The gym I chose isn’t ultra-fancy, so it doesn’t have a towel service, or a sauna, or a pool. But it’s in a big two-story building, with all the cardio equipment on the bottom floor, and the weight machines and large group-workout room upstairs. There are lots of windows, and lots of mirrors, so it’s bright and doesn’t seem at all closed-in.

In December I moved a little farther away from my gym than I was before, so it’s not quite as convenient for me to just stop in as it used to be. But even though I’m not as close, I prefer the ambiance of this particular gym, which means I continue to go there regularly — and the reason I do this became even more clear to me when I visited my local recreation center a few weeks ago.

There’s this rec center that’s reeeaallly close to my apartment — a very short walking distance. Best of all, Alexandria city residents can use the fitness room at this rec center for free. It sounds pretty perfect, right? Well, it would be — except for the fact the exercise machines are located in a narrow, windowless room, and the equipment itself appears to be the original models from when they were first invented.

Visiting that fitness room proved to me that I’d much rather get in my car, drive 6-7 miles, and be able to go to a gym that’s large, has new equipment, and doesn’t depress me. (Or, you know, go outside and attempt to run instead. That works, too.)

(On the flip side, one of my female co-workers told me she was trying to rationalize paying $130 a month — plus a $400 initiation fee — to join an ultra-fancy gym in DC. I was like, “Oh, HELL no…”)

In other words? You don’t have to spend anywhere close to $130 a month, but you also shouldn’t go for the cheapest option around — even if it is free. If it’s depressing, you’ll hate it and never go anyway.

Pasta Queen was trying to decide which gym she wanted to join, so she asked her readers how much they paid, and what kind of amenities they received for that price. Then she tallied the results. Among other things:

People pay anywhere from $9.99 to $139.00 a month for facilities that range from hole-in-the wall joints, community gyms, facilities with movie theatres and one place attached to a pub where you can charge beer and fries to your membership.

Lisa thinks she might be paying too much for her gym membership, especially given the downsides.

I’m paying 27.50 biweekly (math is hard, so I’ll do it for you. $55/mo) and I thought that was kind of high, no? [...]

Oh and then they have a different location that has a pool. Which is why I justified spending almost 60/mo on a membership — I’d save pool fees. They told me the other location was “right downtown”. Yeah, no. I looked it up after I swiped my card and it’s a good 15 minute subway ride from downtown. Which is like a 45 minute walk. Which means I have to take the subway which means I have to spend $2.75 each way. And if
I’m doing that then I might as well rent 2 and 3/4s of a towel twice a day. The liars.

Some gyms offer advantages like classes you might not have thought of taking. Who knows? Like LJ, you might start taking ballet, have fun with it, and keep going week after week.

For the first time since I was five, I went to a ballet class last night. [...]

When I saw the gym offered ballet classes following the NYC ballet technique and repoitoire, I was sold. I will admit, many of the other women last night clearly had a fair amount of training. And I might not have felt like the most graceful in the room. But I loved it. What a nice change of pace to the week and especially for a Thursday night. Loved it. And so today, I’m off to buy my second pair of ballet slippers, hopefully to be used and loved a lot more than the last…

A concern that’s still present at gyms? Yes…fashion. Average Jane wrote a funny post about NOT dressing up to go to the gym.

Some women hate going to the gym because they have to look all prim and proper and cute and show off for all the other women who are there. And the guys. I say, take back the gym. Own it. Tell those cute bitches to go shove it. Tell them you hope their thong slices right through their butt cheeks while they’re on the stairmaster.

But don’t get me wrong, sometimes if I know I’ll be at the gym at the same time as one of the 3 hot guys who goes to my gym, I’ll opt for the short tennis socks instead of my super hot slouch socks that look so rad with my cropped gym pants. Or, I’ll wear my black tanktop instead of my pit stained white tank top just for an added confidence booster.

Sometimes just showing up in a pair of mismatched sneakers can cause consternation. Like Honeykbee’s dilemma: should she bag the workout or go on?

So of course there was a pivotal point in the ladies locker room, when I discovered the
footwear faux pas, and I had to decide whether to bag the workout and slink home to sit on the couch and watch House reruns while eating meatballs in my workout gear, or to zip up, chin up, and proceed to get my cardio in under the watchful eyes of the sweaty and judgemental shoppers at the Sport & Health meatmarket. I eventually decided “fuck it” (a phrase, unlike “suck”, that I vow will never ever even consider ousting from my vocabulary), accidentally cursing an elderly Korean woman in a wayyyy too small towel, and went ahead and exited the locker room, my Asic atrocity in clear view of one and all. Afterall, I have a trophy to maintain. Turns out it was one of those days when just when you think it can’t get any worse, you accomplish new physical thresholds of misery. An hour and 731 calories later, my mismatched sneakers and I had gone twice as far on the stair bastard master than ever before.

Booya.

Stephanie warned us about the seven most annoying gym personalities.

The Peacock: These are the folks who like to stare at themselves in the mirror on the gym floor or in the locker room as they admire their muscles and or skinniness, in the case of women. They pose, flex, and twist to see the backside. “Yup, look at my body of perfection.” They are the flaunters, and they want the rest of us to be reminded of that. There’s nothing wrong with being proud of the results of all your hard work, but all the posing in front of others when it’s not the Mr./Miss perfect body contest is showing off.

And, please, if you do end up joining a gym, keep in mind that it’s probably not the best place to…well, release gas. Amy wrote about her experience, and what makes her post so funny is that she included illustrations.

I had the strong and sudden urge to pass some gas.

Before I let loose, I evaluated my surroundings. The treadmill to my right was empty and the treadmill to my left was occupied by a man with headphones. I figured it was safe, so I let her rip.

After I did the deed, it occurred to me that there might be a person on the stairmaster directly behind my treadmill. I did a quick glance over my left shoulder, and sure enough it was occupied.

Related reading:

That’s Fit: How to Find the Right Gym

ABC News: Creative Consumer: Dirty Secrets of Joining a Gym (some things to watch out for before signing a contract)

MSN: 10 Things your gym won’t tell you

MSNBC’s Fit List: Avoid the 3 Most Common Gym Mistakes

MSNBC/Self magazine: Confessions of a lapsed exerciser

Fit Sugar: How to Make Your Time Count at the Gym

Fit Sugar: What to Do After Your Workout

BlogHer: Susan Wagner shows us What to Wear to Work Out and the right type of gear to choose (includes good advice about running vs. walking shoes)

BlogHer: Maria Niles reports the boom in baby boomers working out and posted pictures of herself in action at the gym

BlogHer: Kristy has two hilarious posts about her gym experiences, one involving a personal trainer and one about bagels

Are Your Friends Big Spenders?

(This is cross-posted at BlogHer.)

Picture this: you’re out shopping with a female friend. You follow her into several expensive stores, where she makes a few on-the-spot purchases. She’s wearing designer clothes and carrying a bag with a well-known label. The thing is, you know where she works, and you know how much income she brings in — which isn’t much. She doesn’t have a rich boyfriend or come from a wealthy family. So why is it some people spend like they’re wealthy while living on an entry-level salary?

It all comes down to what we value. One person might be willing to eat ramen noodles every day so she can afford her Coach purses and Gucci boots. Someone else may forego name-brand clothes but prefer to buy all their food at high-quality gourmet and organic grocery stores (including $50 bottles of red wine).

Still, it’s hard not to get jealous if you’re counting your pennies but hanging out with someone who throws cash around indiscriminately. You might not care so much about the price difference in the clothes you wear, but what if your friends want to pay high entrance fees to get into the latest, most popular clubs? What if spending time with your friends means you’ll be walking around pricey department stores all day? What if a girls’ night out involves going to a fancy restaurant where everyone is expected to split the bill in equal parts, no matter what you had to eat?

If these women are good friends, they shouldn’t mind if you want to handle things differently. But sometimes it’s hard to set yourself apart, to identify yourself as different — the one who insists on paying strictly for her portion of the meal; the one who is known to furrow her brow, contemplating the price of the next outing, rather than agreeing on a whim.

I don’t have any close friends who fit this description, but I imagine if I did have friends who constantly wanted to spend big bucks on entertainment, it would be a lot harder to say no — or at least I’d feel worse about being left out.

Krystal wonders how her fellow single friends can afford to live such high lifestyles on entry-level wages.

What’s happening to my friends? Why don’t they want to do anything that doesn’t cost an arm and a leg? How are they affording to live the high lifestyle? I know for a fact that they’re earning entry-level wages … and it seems like now that they’re out of college and in the work force, they feel like this is what they should be doing — going out for fancy dinners, drinking over-priced cocktails, and generally living well beyond their means.

As someone who’s a freelancer, and doesn’t have steady income at the moment, I find this frustrating. Especially being single. I want to go out and be social and be with my friends, but I’m not about to drain my EF just to do it. Whatever happened to just going out for a tea, or taking a walk, or watching movies? Now all anyone ever talks about is the hottest new restaurant, extravagant New Years Eve plans, and cruises up the coast.

SF Renter found it hard to stick to her grocery budget when she went out for lunch on several occasions with co-workers.

This week has been extremely rough on my dining out budget of $50.

I brought my lunch this week and fully intended to eat the red lentils with carrots and bok choy I packed. Then my coworker who usually brings lunch asked if I’d eat out with her. I wasn’t sure if we’d have a chance to eat Wednesday assuming her boss would take her out. So another coworker joined us also. I ended up paying for all our lunches since my other coworker drops me off home after class. [...]

Ouch. My wallet feels so painful at the moment. I can’t even describe how eating out is killing my budget.

Sarcastic Journalist is committed to downsizing her family’s possessions, limiting TV consumption, and living simply, but sometimes it’s hard to be different.

I’ve been known for as long as I can remember to tell people that the grass isn’t always greener, that just because you have a McMansion doesn’t mean you have a great marriage or that your children are smarter or that you are a better person. [...]

Simple living can set you apart. People can see that beat up old car with the broken door handle that you have to rig every time you want to get in. They see you wearing clothes so far out of style that they’re coming back in. They would see your small house (well, if they’d ever come over when invited) and furniture that Smells Like Kid.

For the most part, I’m happy that we’re doing things this way. I like knowing that our cars are both paid for (!), that everything we buy we have had the money for. I like knowing that I’m trying to teach my children that things aren’t everything, that love and happiness are much more important than the newest gadget.

But, it is still hard.


Brazen Careerist
has “Strategies for survival on an entry-level salary.”

Accept that it’s normal.
It’s OK if you can’t support yourself after college. Most people can’t. Not today. The people who can do it are often high and mighty, but ignore them. Because there is no evidence that supporting yourself right after college leads to a happier, productive life.

On the Huffington Post, Christine Hassler gives advice about how to keep up with friends who have money:

First, consider the question, if your friends were not making more money than you, would you be content with where you are? If the answer is no, this issue is not really about money — it may boil down to the fact that you don’t like what you are doing and it’s time to re-navigate your career path. If the answer is yes, then you are playing a comparison game you will never win. Comparing yourself to them is not only toxic to your friendship; it’s dangerous to your own mental well-being. There is always going to be someone richer, smarter, and better looking than any of us.

What would you do if you couldn’t keep up with your big-spender friends?

Where Do Single Women Find Information?

(This is cross-posted at BlogHer.)

We have a lot on our minds. We want information fast. If we perform a search that happens to include the words “single” and “woman,” we want relevant results, not a bunch of dating sites. We can’t change what’s out there, but there are a few places where single women can find helpful information.

Single Edition: “The first lifestyle destination for unmarried individuals that will deliver daily value to help them manage their everyday lives.” They tackle questions such as, Do I need to have a will if I’m single?

Quirkyalone: A site that describes itself as “a community of independent thought on singledom, life, and love.”

GenPink: A site for twenty-something women, “balancing family and work, technology, entertainment, and exploration of new ideas.”

What are single women writing about? Here are some of the things on our mind:

1) What if something unexpected happens when I’m alone?

Kat got her finger stuck in a fireplace grate (luckily, she was able to free herself after several minutes of maneuvering), which caused her to think about how things can happen as a single women when nobody else is around. She called this type of alone the “‘I’m going to die and no one’s going to miss me until it’s too late’ kind of alone.”

[Getting my finger stuck] was a reminder of the realities of living alone, and, actually, of life itself. You are born alone, and you die alone. Better fill up the in-between time with people who’ll miss you enough to check in on you.

2) How do I deal with stress?

Mayan gives 10 reasons why singles should celebrate their singlehood, and #8 has to do with the quality of our friendships.

Reason #8: You have better friendships. Significant others are a wonderful thing, no doubt, but friends count, too. And on that front, one study found that, when women get married and have children, they spend much less time with their friends…less than five hours a week, down from 14 hours. Singles, however, often have the greatest sense of friendship and community — which can actually decrease stress levels, according to researchers at UCLA.

Here are 101 Ways to Fight the Stress Out of Your Life.

And don’t forget — toxic marriages can cause stress, too.

3) I feel like a third wheel when I go out with a couple.

I’ve gone out with couples where I was the only single person, and I’ve also had more than a few couples as roommates. It’s not an ideal situation.

Ginger has a Third Wheel Manifesto.

[O]nce you start dating it’s as if your new personality arrived from a parallel universe. It’s bizarre; you seem to have lost brain cells. Apparently you all possess dictionaries that only supply pet names like Boo Bear, Honey Love, Noodle, Cupcake, Pumpkin and Love Muffin.

I mean, are those names or menu items? Are you dating them or eating them? Make up your mind.

Ever notice that when you engage us in conversation using these names that we supply a look of confusion and proceed to ask you “whom are you referring to?” Then you follow up by saying, “you know who I’m talking about, my boo.”

Now listen up, because you need to know this. We want you to know this. Yes, we do know whom you’re speaking. But our rulebook on such matters clearly state — in order to preserve ones dignity a reply of no is required, a firm “no, I don’t know who you’re talking about”.

This allows us to retain some self-respect. This is not story time; you are not reading to children. Please, spare us and use their real names.

4) I have less in common with my friend now that she’s married and/or has a child.

One Pale Fire talks about her predicament.

Then I was just thinking I don’t spend enough time hanging with Duffy and Susan and Simone… I wonder why I don’t do that, they are nicer to be with then a few other people I can think of. I guess the married with children thing is hard for a single sometimes just because there is less in common to share. It’s not that I think they are really boring or anything I just don’t have much to say about property tax and what not.

5) How do I handle being a part of the singles scene?

KC went to a church-sponsored “Christmas dinner activity for single people,” but the men in attendance were less than ideal.

[The people at the church] are probably thinking that this would be a good idea for one of two reasons. One, a person’s identity as a single person overrides everything else and thus singles would have more in common than marrieds and would have lots to talk about. Two, they might have the opportunity to meet people that they could date. So, if you arrived at said dinner (realizing all of a sudden that for the first time in your recent memory you are the youngest person in the room), who do you think you would talk to?

She goes on to give examples, finishing up with “I have seen the future and it is bleak.”

6) Do I really want to be with a rich man?

Karen Barichievy says there are a number of cons that you might want to consider.

What about sex, then? Surely these testosterone-fuelled chaps are rampant in the sack? Again, you’ll need to adjust your expectations: because if it doesn’t involve earning money, it tends to be rather low on the priority list. A seriously risky trading position will mean he’ll be so consumed by angst that not even a trio of Russian supermodels could appeal to his carnal side. And while you may have the luxury of endless lie-ins, he’ll have bolted out of bed by 6am, scanned his BlackBerry and checked the markets before he’s even got in the shower.

There are so many awesome single women out there who impress me. My friend Dana, for instance, who attends nursing school while juggling a full-time job. My older sister, who takes care of herself as well as a 10-year-old son — a homeowner who painted the living room walls without any help when she moved in. The outstanding female bloggers that I read every day, who move to new cities, change jobs, live on their own or with a roommate, have fun, live life — and do it with aplomb. It’s not to say they wouldn’t be just as happy doing these things with someone by their side, but there are a lot of ladies out there who are taking care of themselves just fine.

Related reading:

From the New York Times: A Guide to Embracing Life as a Single

Fitness: It Changed My Life

(In addition to my weekly BlogHer post for singles, starting today I’ll be writing a bi-weekly post about fitness. You can find it cross-posted at BlogHer.)

What causes a person who’s never worked out on a consistent basis to become interested in fitness?

For me, it all started about six months ago. Last summer I went from wanting to be more active, and thinking that I should be doing something, to actually doing it.

What happened was, after too many years of putting way too much time and energy into retaining a certain number on the scale, I decided I was going to start focusing on how I felt. Instead of being skinny and weak, I wanted to be stronger. I was tired of joking about my almost nonexistent cardio endurance, and my serious lack of upper-body strength. I’d never lifted weights regularly in my life (other than a few halfhearted attempts at dumbbell curls using a 5-lb weight).

So why am I interested in fitness? And how do I continue to stay motivated?

Confidence: Even though I’ve actually gained a few pounds since I started working out (it was weight that I needed to gain), I feel more comfortable wearing close-fitting shirts than I did when I weighed less — there are muscles there now, holding my stomach in. Even though I can’t fit into most of my old pants anymore, it’s okay — it means my butt is no longer flat and saggy (I’m just going to tell it like it is, okay?). When I walk up a steep hill, I can feel the muscles in my legs working to give me momentum. I like being able to see how far I’ve progressed, and how much easier it is for me to do certain exercises than when I first started.

Results: If you keep at it, you will see them. Certain people are going to see results faster than others, which is why some people tend to give up too soon. Maybe it can seems like too much trouble; you have so far to go, you feel tired and defeated before you even start. Keep going.

Energy: There were a few years where I didn’t eat enough, and what I remember most about that period of time was my lack of energy — and I really hate that the lethargy is what I remember most. I felt tired all the time, and I never want to go back to feeling that way.

The “good sore”: I actually like when I do so much work with weights that I’m sore for a day or two afterwards. Some people don’t like being sore, but to me it’s proof that I’m working hard.

Self-sufficiency: An increase in strength means you can do more things for yourself rather than having to ask for help. I bought a 25″ television back in 1998 — a big, bulky, heavy thing. I had to transport it from my sister’s house last month, so I called my brother for help. He wasn’t available. I ended up hoisting it up myself (from the floor) and carrying it down the stairs, through the front door, and out to my car. I know I couldn’t have lifted it like that six months ago — it was an incredible feeling.

Inspiration: If I find myself searching for new ways to be active, rather than getting bored and quitting, I know I’ve found something that’s made a positive difference in my life.

Speaking of wanting to “do more” — I have a tendency, with all the fitness-related stuff I’ve been reading, to look at all the activity options out there and see how much stuff I could be doing that I’m not currently doing (not to mention all the stuff I’ve never come close to trying). There are people who get up ultra-early in the morning to attend boot camps before work; people who like to run a 10k or train for a marathon; people who spend hours at a time on a bike. I don’t do any of that. But the advantage to noticing all these options is that there are so many of them to choose from, and you don’t have to try them all — or even be good at all of them, for that matter. The important thing is to make an effort.

For all the gains I’ve made in the past six months, I still can’t do “real” pushups or pull-ups — but I’m a lot closer than I was, and that’s what I care about. I can jog longer than I used to be able to, and if so many professed non-runners can turn themselves around and start running regularly, I know I’m capable of it. And I also know I’m not giving up any time soon.

So why do I want to write about fitness? I’m not a personal trainer (or even a long-time enthusiast), and I didn’t major in exercise science. There’s a simple answer: I find fitness information to be interesting, useful, and inspiring — and I thought if that was the case, there might be other people out there who think the same.