4. The Final Post

by Susan Tiner on March 2, 2010

me at 19 with Dad, marrying the first time

In writing the first three posts in this series I managed to create a controversy. I don’t want to get into the specifics because doing so will only serve to magnify the controversy. My intention in starting this thread was to provide a narrative line from my own experience that sheds light on the nature of American money values, because I believe these values play a huge role in successful personal finance, and that money values are deeply rooted in things like class, race, culture (religion) and gender.

The first three posts are tough reading, but set the stage for future events: my legal emancipation at age 16, working full-time the last two years of high school to support myself, applying to colleges via the Equal Opportunity Program (EOP), and, as the only Caucasian in that program at the time, encountering race and class differences in our culture directly through the experience of living with my African American roommate and tutoring EOP students needing help with remedial skills. I saw myself, for the first time, as being privileged in receiving a first-class public education that prepared me for college and a future professional life. From the point of moving to Great Neck through my college years, I was dazzled and heavily influenced by the intelligence, wit, humor and upwardly mobile direction of the Jewish culture in which I found myself immersed. This influence expanded my outlook. The midwestern family background also played its part, in giving me a work ethic and moral compass to help keep me moving forward, albeit with some serious setbacks.

me at 18

The high level of stress during my early years coupled with my premature emancipation took their toll. The photo at the top was taken at the time of my first marriage. There would be 3 failed marriages. I was not prepared for adulthood; it took many years to sort out the past. I am blessed with two fabulous children and have nothing but respect and admiration for my former husbands. Well, ok, not so much for the first one (if he reads this it’s not like he won’t understand why), but definitely for the subsequent two.

If you see blame in these posts you are interpreting my words. I meant to report my own experience, not speculate on motivations. Speaking in broad generalities, my early incorrigible behavior was a predictable outcome of family stress, and the reaction to it a predictable byproduct of the strict Scots Presbyterian farm upbringing of one parent and the poor, likely Irish and abusive background of the other. Obedience was expected.

As a female personal finance blogger, I meant to chart a middle course between the mostly male bloggers writing about straight personal finance and the mostly female bloggers writing about budgeting and frugality. Most personal finance bloggers do not write about American money values, except for an occasional post. If you Google key words for any personal finance topic you can think of there are likely multiple blog articles out there examining every angle. Likewise, budgeting and frugality are well covered. I started getting at the values angle via the Debits of Our Lives thread, then more deeply in the American Money Values thread, but found these wanting. A light bulb went off in my head, and My Life Unscrambled was born. I thought, what better way to tie everything together than to tell a real story of grappling with class, culture and gender? Martin and I discussed it and he agreed.

It’s not so simple. I cannot scissor my own story out of the fabric of many interwoven lives and present it like a disconnected thing. The choice is clear: proceed to tell the story and let the chips fall where they may, or stop. I do believe that telling a personal history as a straight recording of one’s experience is the best course to take, that it’s distracting and irrelevant in this kind of writing to try to present a 3-way or 4-way point of view on every single decision or action. However, I’ve been made aware of the fact that a straight recording of experience leaves motivation open to interpretation, and this in itself is not necessarily fair, because in telling one’s experience, one makes it clear which aspects of experience were negative and which were positive, thus indirectly implying blame.

So I’ve decided to discontinue this blog. I don’t wish to continue the My Life Unscrambled thread, but not writing it takes the soul out of the blog.

I encourage readers who find themselves here to continue the journey on your own. In particular, I highly recommend the New York Times series Class Matters – Social Class in the United States of America. Look up the bibliography and read all of the books listed. I also encourage you to seek out your own family history and to try to understand your money values within the context of that history.

My own personal finance mission, of achieving financial security and in the process helping my children prepare for their own future, has reached its natural conclusion. I still love the work with clients, and that will be my focus going forward. As for writing, who knows? I am going to take a break for awhile, finish preparing for my upcoming trip to Turkey, and then we’ll see what develops.

I’ll leave the blog up for now. I wouldn’t want to disappoint all of those readers searching for articles on S Corporations. And, my Dad always wanted to be immortalized, so there you go Dad, you’re in the blogoshere!

Au Revoir.

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3. Jack Version 2.0

by Susan Tiner on February 28, 2010

To make sense of the diary incident and its aftermath, I have to first fill in a little background on my early life. My Dad Jack, pictured above, struggled as a young man with alcoholism. During the later part of the pregnancy with me, my mother went back home to her folks in Iowa while my Dad spent time in an alcohol rehab. That is how I came to be born in Goldfield, Iowa, the town near the farm where my mother grew up during the depression. A few months later the family, reunited, settled in an apartment in Chicago for awhile before moving to Southern California when I was about 3 yrs old. My Dad never drank again after I was born.

To this day, none of the family know very much about Jack’s background, as he fabricated most of it. The stories became so elaborate over the years he couldn’t keep track of the details. He was born in Boise, or Chicago. His father was of American Indian ancestry, or a French Canadian fur trapper, or a sailor stationed in Hawaii. We are not even sure how he got the last name Tiner. Once he told me that Tiner was the name of the sailor, his real father. His mother Dorothy had married several times, and there was even some talk of her perhaps operating a one-woman house of ill repute, but I doubt it. There were supposedly some name change papers at one point showing a change from John Jeffrey Carnell to John Jeffrey Tiner, but I am not sure. It’s possible my father didn’t know who his father was. Jack and his mother both claimed to be Welsh, but I strongly suspect they were Irish Americans wanting to hide Irish ancestry.

My father liked to say he was one of the top 40 smartest people alive. He did have wide ranging knowledge, especially of American history, engineering and mathematics, and a photographic, encyclopedic memory. Once he visited a city somewhere in the world, he could navigate the city thereafter from memory.

It’s not clear my Dad ever received any formal higher education. At one time he said he attended a specific College in Iowa–played on the football team, but I think a relative later checked the facts and confirmed this was not true. Despite the lack of a formal degree, he passed himself off as a professional electrical engineer, claiming to have received his degree in Hamburg, Germany (I think it was Hamburg), at an institution where all records had been destroyed in a fire. He was self-taught.

He claimed a distinguished military record, a fact that caused some giggling when, at the time of his death in 2001, the funeral director inquired whether he should receive military honors at his burial. Once he told me he was a fighter pilot in Korea, and other times he claimed other military designations and experience. We never saw any US mail from the military. No uniforms or medals.

My Dad had moments of being a loving father when he was around, but he was often not around, sometimes gone for days and weeks on end. He said he had government work that took him on business travel all over the world, but which he couldn’t discuss with anyone, including his family. Later, when I was an adult, he told me that sometimes he had affairs with women that took him away from home, but he was such a big liar it’s hard to say if this was true. He was gone a lot, and when he was home, he was often at the library, or home reading a library book, twirling his wedding ring over and over in his fingers, lost in thought.

His idea of giving us some attention was to squeeze us with hugs and plant wet smooches on our cheeks, or to take us to the nearest ballpark and watch him bat a baseball out of the park. This actually was quite impressive, at least the first few times, and it was always good for impressing a new friend, but after that it was kind of boring. My Dad was very proud of his athletic prowess. He never tired of showing off. (Supposedly he played professional baseball for awhile.)

He didn’t keep jobs very long. The people in charge were always getting everything wrong and he would eventually blow up, accusing a manager or co-worker of extreme idiocy, then get fired. This pattern did little to stabilize family life. We moved a lot, every 1.5 to 2 years, living three different places in Southern California before moving to the East coast, first to New York then to New Jersey then back to New York in 1967.

We typically lived in a low-income apartment complex or duplex such as Winoka Manor in Huntington Sta., NY pictured above (a 2-bedroom 800 sq. ft. apartment is now $1425, yikes!), until finally buying the small house pictured below in a middle-class neighborhood in Huntington, NY, 1967.

It was a middle class neighborhood, but we weren’t middle class ourselves. Yes, my mom had a profession as an RN, but she had grown up in rural poverty and was shaped by the strong values and culture of her upbringing on the farm. My Dad was worldly and sophisticated in many ways, but he had grown up in financially strained and volatile circumstances, and did not seem comfortable with an upwardly mobile mindset, that is until he remarried. Although both were capable of warm affection at times, and did provide us with opportunities for education and enrichment (more on that later), they mostly held to the “children should be seen and not heard” philosophy. We were often in the way, annoying, messy, or neglecting chores. They argued and yelled at each other and at us. The stress level was high. Then they divorced.

When my Dad remarried, he seemed to seamlessly integrate into his new solidly middle class family, in which the children were well nurtured (at least compared to my family) and expected to accomplish great things. It was like Jack 2.0, the one we never knew, suddenly doing household chores, cooking dinner one night a week, driving stepchildren to activities, engaging in lively family discussions with real attentiveness and humor. He stepped into a character role in a different movie, one that was already in progress, and pulled up a chair as if he’d always been there. In this context, he seemed like the man with no past, just a charmed future.

After a year living at home with my mother, circa November 1972, I came home one afternoon to find my mother holding the violated diary, and learned of the decision to relocate me to my father’s new family. And so it was that I, already well alienated from both parents, came to live in a situation in which I also could not have a past, except the one the adults appeared to agree on and which mostly featured me being an incorrigible, because to reveal mine would implicate my father’s. I tried to fit in, but never felt comfortable, and began to seek my own life and independence, which came sooner than I expected.

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2. A Narrow Escape

February 27, 2010

It would be a stretch to describe my transformation from age 10 to age 13 as a loss of innocence, given what I’d already experienced from birth to age 10.
But one moment, circa 1968, I was still a young girl in love with animals, bicycling several miles on weekends to the stables where my 5th [...]

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1. My Dog Jello had Puppies

February 25, 2010

Martin and I decided that the only thing missing from this blog is me. Who am I? How did I end up being a 52-year-old financial organizer and consultant who writes a blog about getting finances organized and on track? What have I learned about money in my own life and how did I learn [...]

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Green Sherpa Keeps Your Data Private

February 24, 2010

Note: thanks to Mike Piper for hosting my guest post on Using Probability to Set the Size of An Emergency Fund. Lively discussion!
For some time I’ve been meaning to write a post reviewing Green Sherpa personal financial software, then Ashely Jacobs, editor of the affiliated blog CashFlowSherpas, contacted me regarding a possible reciprocal blog posting [...]

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S Corp Loan to Shareholder

February 19, 2010

Since the post on computing S Corporation shareholder basis is still my most popular blog post ever, I thought I would add a follow up post on classifying shareholder cash transfers. For the sake of simplicity, let’s assume we’re dealing with an individual who is the sole (100%) owner of an S Corporation.
I typically see [...]

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4. Money Taboo – Filthy Lucre

February 17, 2010

In Chapter 29, The Fundamentals of Good Behavior, of her Etiquette in Society, in Business, in Politics and at Home (1922), Emily Post advises that “A very well-bred man intensely dislikes the mention of money, and never speaks of it (out of business hours) if he can avoid it.” 80 years later (July 2005) great-granddaughter-in-law [...]

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Debits of Our Lives Episode #10: Holly Throws the Dice

February 14, 2010

Since the paris shoot in December, Holly’s been too busy to think about Heather’s worsening situation, let alone how to tell Jack that even if housing prices were to stabilize, Heather won’t be able to repay his $25,000 loan for eleven years at a minimum. And San Jose prices probably have further to drop, further [...]

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Reassess House, Buy Table

February 8, 2010

Having purchased our home near the peak of the housing market bubble in 2005, it made sense to look into a decline in value assessment early in 2009. I did some research online and didn’t find many articles on the topic, but the explanation on the San Mateo County website is pretty easy to follow. [...]

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Lessons From A Windows Reinstall

February 8, 2010

Okay, I did not even try to install Vista, let alone Windows 7. I just tried a plain vanilla reinstall of Windows XP Pro, and it has taken the better part of a week to reconstruct my computing environment. And yes, I do have a Mac! My Mac is the all-important second PC. If it [...]

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