So I had a rather radical response to the events surrounding THIS POST, and I thought I would follow up a bit.
I was all set to go to Traffic Court to fight my speeding ticket, using the strategy outlined HERE
and HERE.
But then I got cold feet.
Well, not really. I mean, yes, I was
scared enough that I was rehearsing at least some bit of my court
appearance on a daily basis for weeks. And then I realized it was
keeping me from writing. A lot of my creative thought was diverted into
how I would stage what would probably end up being a two-minute
appearance at the local police station in the town that issued the
ticket.
I had backup strategies, even. I was
all set to spend an afternoon touring and photographing signage for all
the other school zones I could find in Puna and South Hilo districts,
thus creating documentary evidence that the stretch of Hawaii State
Highway 139 where I was busted did not display sufficient posting for a
school zone. Aside from one easily missed speed limit sign, there is NO signage
depicting kids in a crosswalk, the words "SCHOOL ZONE", or any such
warning. No blinking yellow light. None of that.
But then I learned from the District
Court here that I could not subpoena the traffic cop until after the
judge had heard my case. In other words, I was not allowed to demand
that the officer who had clocked me and pulled me over be brought in
for questioning and made accountable, with full documentation
supporting his evidence against me, until after an uninvolved third party (the judge) had most likely already
ruled against me, based on my testimony at his hearing, which would be,
in effect, bearing witness against myself. So I thought, "This system
really sucks! And I could be writing instead."
And then I got the wild idea to put away the minivan.
In other words, to simply pay the ticket without:
- enduring bumper-to-bumper traffic on the one-lane highway leading to
my appearance at the Kea'au police station on a Friday morning between
7:30 and 8:30 a.m.,
- spending an afternoon taking photos (and then an evening selecting, cropping, and printing the pics via computer),
- continuing to waste valuable writing time rehearsing my appearance,
- and, most importantly, suffering further anxiety and anger attacks.
It embarrasses me a bit to admit
that I'd been having those attacks. I wasted my partner's time, and my
weekly consultation time with my writing coach at least once on this
stupid ticket matter. I tried detachment, afformations,
conscious breathing, taking naps, going for walks, and still I felt
rage and panic. Helpless anger. So maybe that's a personal limitation,
but it's well within the range of ordinary human behavior.
A lot of my outrage had to do with
the outrageous fine. If I had been knowingly breaking the speed limit,
I don't think I would have felt quite so incensed at having to pay a
$172 fine for a harmless infraction. I didn't damage anything or
endanger anyone. This was a cut-and-dried case of a local gendarme
ringing up the register for the county coffers. Based on my monthly
disability income of less than $800, which goes for my rent and
utilities, as well as occasional incidentals like, um food, this was a
heavy hit to the checkbook.
Garaging the minivan, on the other hand, would allow me to save:
- roughly $100 on the vehicle insurance, given as a refund for the current six-month period,
- roughly $500 per year on fuel costs (averaging $40 per month; no, I don't drive much),
- the annual $500 for my bare-bones vehicle insurance before the inevitable rate increase;
- the annual $100 DMV vehicle fee,
- any risk of an accident in the vehicle.
So that's a savings of roughly $1,200 per year, based on my meager use of the minivan.
The real reason to fight a ticket,
as many of us know, is to avoid taking the hit to one's insurance
rates. Since I have such bare-bones coverage, mine would not have been
too bad, but still would have cost me an additional estimated $330 over
the next three years. Plus, the infraction appears on the insurance
industry's database for a total of five years, which increases
my rates if I want to switch insurance carriers, or need to, such as in
the event of a move to a non-covered state.
Now, unlike many of us, I have the
luxury of living with someone who drives, has a working vehicle, and
already has me listed as a secondary driver on the insurance policy. So
it's just a matter of my continuing to minimize my driving trips,
pitching in for gas or the like now and then, and I'm covered.
So I paid the ticket at the District
Court office in Hilo, using my credit card (might as well rack up a few
air miles), just after the card's monthly closing date, so at least I'm
getting the maximum cash flow possible before the pay-off hits.
Meanwhile, I've already banked my policy cancellation refund check from
the insurance company, which covers half the ticket's cost. The same
day I got that check, I also made roughly $60 from unrelated,
unexpected income. So, in other words, the fine is more or less
covered.
The real lesson here extends
beyond my rather trivial tale of woe. It's really about how each of us
does business with the world, and how you can become more aware of the
real cost of doing your business. Better awareness for you equals better choices on how you spend your money.
Now, I'm not saying all of us should
rush out and garage our cars – for most of us, that would still be
impractical – but it's important to recognize the hidden costs of
ownership. Most of us, I believe, give far more of our paycheck to banks and insurance companies than we need to.
You see, the real cost-of-living
increases for most Americans over the past three or four decades have
come NOT in the area of consumer goods, but in two major areas:
INSURANCE (health insurance, mostly) and HOUSING (mortgage payments,
largely). You can find out about that HERE,
on YouTube, in an informative presentation about the collapse of the
American middle class. [NOTE: You can skip the first six minutes, since
that is the introduction of the speaker and other formalities.] The
speaker is Elizabeth Warren, who teaches contract law, bankruptcy, and
commercial law at Harvard Law School.
- Health coverage goes to an insurance company (before I bit the bullet
in 2003 and declared disability, I was paying about $600 a month in
group coverage), and
- Mortgage payments go to a bank (in my case, I pay housing rent to someone who has a monthly mortgage to pay).
If Americans plan to make it through
the next decade or so of economic woes with any semblance of our
current quality of life intact, then we need to start looking now at
how to cut back on ALL our costs of living, not just the obvious ones.
Garaging my minivan seems a bit extreme, but so far, I've been making
do without one for a month, and it hasn't significantly affected my
quality of my life. On the other hand, once I factor in my estimated
rate increase, I'm saving about $1,500 per year by NOT running a
vehicle I was only getting minimal use from anyhow. That may not seem
like much to someone who considers himself in the middle class, but for
someone with an annual disability income of about $10,000, that is
huge. I've just slashed my annual cost of living by 15 percent!
That is 15 percent per annum that I
can now grow a bit of interest on, and which will enable me to travel
from Hawaii to the mainland, whenever I need to. Yes, it would be easy
to settle for being "poor," and to state that there is nothing I can do
about it. But that's a defeatist perspective. I'd rather reframe my
situation and state, "Okay, I'm going to adopt a Southeast Asian
Immigrant Mentality." Here are some examples of how I am doing that,
and so can you:
- keep rent cheap;
- cut expenses to the bone (especially any recurring ones);
- buy fresh or grow your own (it's healthier and cheaper);
- stay home (don't spend money on "keeping up appearances");
- keep your work ethic strong;
- develop your skills so you can make better money;
- remember that your opportunities here are better than elsewhere;
- eschew instant gratification for the promise of a better tomorrow;
- don't pay retail; shop in the discount markets when it saves you money;
- keep money circulating within your own community.
- and save some for a rainy day, preferably in an interest-bearing account, where it's not too easy to withdraw.
Remember when we used to call this Yankee frugality?
It's worth thinking about.
Wishing you a beautiful day,
Bill Brent
[this page last updated: 2008.06.01, 2:55 a.m. Hawaii time]
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