Okay, so I am on Patreon now

I launched a Patreon page Monday night, and as I write this, it’s attracted zero supporters. Which means it’s performing as expected—this post is my first attempt to publicize my experiment at this crowdfunding site.

I’ve been thinking of experimenting there since having more than a few people at the XOXO conference in Portland last October suggest I try it myself. Spending too much time checking out how creative types I trust use Patreon and some conversations with two of them (thanks, Glenn Fleishman and Mike Masnick) advanced those thoughts further.

But it took an expiration date to get me to proceed—11:59 a.m. Monday was my last shot at launching a page under more favorable terms than those now on offer under Patreon’s tiered membership structure.

I am cautiously optimistic about how my page could work. I think the value proposition I offer—depending on what tier you pay for, you get content not available elsewhere and, more important, increasing access to my time—is both a fair trade and a reasonable way for me to monetize the scarcest thing in my daily routine, my attention. I also like the idea of having a bit of a sandbox to play in; while I’ve committed to write some patron-only posts and set up a Slack channel, maybe I’ll try doing short podcasts there? There’s nobody to stop me.

But it’s also possible that nobody will support me, and that other people will then point and laugh. That might be chickenshit of them. But it would certainly be chickenshit of me not to try this, not when there are so many things going wrong with the business of journalism.

My own business seems fundamentally sound—at least compared to the cratering existence Jacob Silverman describes in a soul-crushing article at the New Republic. But there’s no such thing as a permanent freelance client, and I would very much like to be less beholden to the tastes, schedules and budgets of my various editors.

So if what I have on offer to patrons strikes you as a good deal, I would very much appreciate your support. And maybe if everything goes well, this new venture will at least make enough to recoup the cost of the XOXO trip that lodged this foolish idea in my head.

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Ugh, Washington Gas is the worst at customer experience

We got a message on our home phone yesterday from Washington Gas, and even by voicemail standards of annoyingness it was unhelpful: “We value you as a customer. Please contact us for an important message.”

Right, I’m going to listen to a voicemail and call a company back in 2019 to get a message that it could just put in my account online. Unfortunately, that is not at all out of character for how the D.C. area’s gas utility operates. Even when its customer site hasn’t been in the grip of a relaunch meltdown that left me unable to login for weeks, it’s mainly functioned as an exhibit of how not to run a payment portal.

The single biggest failing here comes if you choose to pay your bill via credit card–as you absolutely should, since there’s no surcharge compared to a bank deposit and you can make 2 percent cash back on each payment via a Citi Double Cash card. (I will set aside for now the fact that we’ve just had to get this card replaced for the third time in four years after some joker tried to make yet another fraudulent purchase on our number.) But clicking the button to pay via credit yields a dialog from the previous century: “A popup blocker is currently enabled. Please switch this to disable for Credit Card payment to function.”

Fortunately, you can disable pop-up blocking for a specific site in Chrome and Safari. Doing so will allow the Washington Gas page to launch a full-screen page from a service called Kubra EZ-Pay. EZ, this experience is not so much: It breaks the entry of your credit-card across two screens, which seems to stop Google Pay from auto-filling the second one, then asks for a phone number and e-mail when neither should be necessary in this transaction.

It’s all a pain, yet I keep taking this payment option because I don’t want to give Washington Gas the satisfaction of knowing that I gave up a 2 percent return because of its janky user interface. The only problem is that because I can’t automate a credit-card payment, I sometimes forget about this bill… which is what I suspect that call was about, not that the Washington Gas payment portal had any message of its own following up on the call.

Tax-time thoughts, 2019 edition

It looks like we didn’t get crushed by taxes this year, even if we did owe money to the IRS. That’s nice, since we skipped the one step we were supposed to take to avoid an April 15 financial hit.

2018 Form 1040I knew going into filing season that last year’s tax changes (I prefer not to call them “reform,” as that suggests progress unsupported by the evidence) would slash our deductions. In the bargain, I’d get a 20 percent break on my self-employment income, what the Tax Cuts and Jobs Act of 2017 calls the Qualified Business Income Deduction; our rates would drop somewhat; and we’d lose personal exemptions but gain a child tax credit.

Which ones would outweigh the others? It appears that the rate cuts and the self-employment break made the bigger difference, leaving us paying just over 20 percent on our taxable income compared to the 24 percent we paid on a lower taxable income last year. And that’s even though my spouse did not adjust her tax withholding as recommended.

But without the self-employment deduction–be advised that tax accounting is not exactly one of my core competencies–it looks like we would have paid a higher rate.

(No, I won’t provide raw totals. I also use verbs like “appears” because once again, I filed for an extension: I caught some dumb oversights in last year’s return that should slightly lower our bill, but I won’t finish filing until that amended return clears.)

After spending seven years dealing with a tax code that treats self-employment as something to be fined, it’s nice to get a break for it instead. But I also know that the tax code continues to favor investment income over money made from actual work, I continue to resent how it’s gamed by people with the really good accountants and tax lawyers, and I can’t ignore that the tax savings delivered by this rushed bill are paid for by running up the national debt and having the lower rates expire after 2025.

Sorry, politicians: You’re not going to be able to bribe me this way. You know what sort of new tax regime would get my interest? One that didn’t keep me wondering how much we’d owe until I’d pounded through hours of punching numbers into a tax-prep program.

Finally, an obvious upgrade from Apple

No computer I own has aged better than the iPad mini 4 I bought at the end of 2015. But that device’s days as my work tablet are now unquestionably dwindling.

That’s Apple’s fault and to Apple’s credit. The updated iPad mini the company announced last week may look almost identical (I’ll know for sure when I can inspect it in a store), but it includes a much faster processor and a better screen and camera. Reviewers I trust have essentially been saying “yes, buy this.”

The new iPad mini also doesn’t exhibit two of Apple’s least-attractive habits, in that the company resisted the temptations to remove the headphone jack and sell it with inadequate entry-level storage. So instead of paying extra for a 64-gigabyte model as I did before, that’s now the base configuration.

I wish the new tablet retired the proprietary Lightning cable for a USB-C connector that would let me recharge it with my laptop or phone chargers. But if I must choose, I’d rather be inconvenienced by having to fish out a different cable once every other day than have to remember to bring a headphone-jack dongle everywhere I take the tablet.

If only the the Mac part of Apple would learn from the mobile-device part of it and not gouge buyers who want a reasonable amount of storage! I’m typing these words on a 2009-vintage iMac that I have yet to replace because of this problem. The finally-revived Mac mini would be a logical successor to this iMac–I can’t see buying another all-in-one when its 4K screen should far outlast its computer components–but it starts with a 128 GB solid-state drive. And upgrading that joke of an SSD to a 512 GB model costs an insulting $400.

So I continue to trudge along with a desktop that will turn 10 years old this November–although the 512 GB SSD now inside it is only a year old–instead of paying that Apple Tax. With the new iPad mini, meanwhile, the only real question will be which retailer gets my money.

Here’s my Web-services budget

The annual exercise of adding up my business expenses so I can plug those totals into my taxes gave me an excuse to do an extra and overdue round of math: calculating how much I spend a year on various Web services to do my job.

The result turned out to be higher than I thought–even though I left out such non-interactive services as this domain-name registration ($25 for two years) and having it mapped to this blog ($13 a year). But in looking over these costs, I’m also not sure I could do much about them.

Google One

Yes, I pay Google for my e-mail–the work account hosted there overran its 15 gigabytes of free storage a few years ago. I now pay $19.99 a year for 100 GB. That’s a reasonable price, especially compared to the $1.99 monthly rate I was first offered, and that I took too long to drop in favor of the newer, cheaper yearly plan.

Microsoft Office 365

Getting a Windows laptop let me to opting for Microsoft’s cloud-storage service, mainly as a cheap backup and synchronization option. The $69.99 annual cost also lets me put Microsoft Office on one computer, but I’ve been using the free, open-source LibreOffice suite for so long, I have yet to install Office on my HP. Oops.

Evernote Premium

This is my second-longest-running subscription–I’ve been paying for the premium version of my note-taking app since 2015. Over that time, the cost has increased from $45 to $69.99. That’s made me think about dropping this and switching to Microsoft’s OneNote. But even though Microsoft owns LinkedIn, it’s Evernote that not only scans business cards but checks LinkedIn to fill in contact info for each person.

Flickr Pro

I’ve been paying for extra storage at this photo-sharing site since late 2011–back when the free version of Flickr offered a punitively-limited storage quota. This cost, too, has increased from $44.95 for two years to $49.99 a year. But now that Yahoo has sold the site to the photography hub SmugMug, the free tier once again requires serious compromises. And $50 a year doesn’t seem that bad, not when I’m supporting an indie-Web property instead of giving still more time to Facebook or Google.

Private Internet Access

I signed up for this virtual-private-network service two years ago at a discounted rate of $59.95 for two years, courtesy of a deal offered at Techdirt. Absent that discount, I’d pay $69.95, so I will reassess my options when this runs out in a few months. Not paying for a VPN service, however, is not an option; how else am I supposed to keep up on American news when I’m in Europe?

LastPass Premium

I decided to pay for the full-feature version of this password manager last year, and I’m already reconsidering that. Three reasons why: The free version of LastPass remains great, the premium version implements U2F two-step verification in a particularly inflexible way, and the company announced last month that the cost of Premium will increase from $24 a year to $36.

Combined and with multi-year costs annualized, all of these services added up to $258.96 last year. I suspect this total compares favorably to what we spend on news and entertainment subscriptions–but that’s not math I care to do right now.

The old financial records that I do keep

It’s now two months until tax day, which means that it’s time for some financial paperwork. By that I don’t mean starting my 2018 return–I haven’t even gotten all my 1099s yet–but discarding records from prior years that no longer retain any legal relevance.

This tidying up has sent a raft of old statements and forms into the recycling (with every instance of a Social Security Number torn out for subsequent shredding), and now the file cabinet is no longer packed so tight.

But there are some tax and financial records that I’m keeping even though I no longer have to: the 1040s, W-2s, and checkbooks of my college and post-college years.

Those documents tell a story of a simpler and more painful financial time–an annual income in the low twenties, paychecks with only three figures to the left of the decimal point, ATM withdrawals that rarely exceeded $30, and a checking-account balance that I struggled to keep above $2,000.

(Fortunately, rents around D.C. were a lot cheaper then.)

Being reminded of the cramped state of my finances back then helps me feel better about them today, even after all the lousy things that have happened to the journalism business lately.

But the more important part of this exercise is not cultivating nostalgia but renewing empathy–for anybody who’s living paycheck to paycheck, or who’s just a slow month or a government shutdown away from having their bank balance erode enough to show only three digits to the left of the decimal point.

Here’s the Google spreadsheet I use to track my expenses

A friend of mine started freelancing at the end of last year, so I decided to give him a boring but useful present: a blank copy of the Google Docs spreadsheet I use to track my expenses.

old calculatorA systematic, easily smartphone-accessible way to record the costs of doing business–organized so you can copy the year-end totals into your Schedule C tax form–is exactly the thing I needed when I started freelancing almost eight years ago. Instead, I had to survive some excruciatingly stupid accounting practices and eventually thumb-wrestle my way to marginal competence.

I was glad to give my friend a boost past that phase, and now I want to do the same for any self-employed types reading this. Here you go: Make a copy of this template (go to the File menu and select “Make a copy…”) to your Google account and get to work.

This template is organized by types of expense, with the biggest categories in my case–travel and meals and entertainment–getting their own sheets. When possible, I’ve aligned types of costs with TurboTax’s vocabulary to reduce springtime tax-prep confusion. In addition, you’ll see a box in which you can plug in the relevant numbers for a home-office deduction, but I recognize that not every 1099-income type will claim that.

I’ve also left comments throughout the spreadsheet (look for the orange triangle at the upper-right corner of a cell) explaining what goes where. If you see ways to simplify this or if you think the spreadsheet is missing an important angle, please let me know in an e-mail or a comment below this post.

I hope this help. Good luck with your business!