We’re going to a country where we’ll need to exchange currency when we arrive. Normally we would just use plastic in an ATM machine.
Since we’re not going to a resort area machines will not be readily available and American plastic is not accepted in Cuban ATMs. And U.S. dollars are exchanged with an extra charge.
So I went to my bank to exchange dollars for Great Britain pounds since we’re also planning to visit there sometime this year. We won’t have to exchange any left over Cuban money back into dollars. (Cuban money is only exchanged in Cuba and non can leave the country.)
According to xe.com the exchange rate was .738537 — $1 = £.738537 — the commercial bank-to-bank rate. Charlie called our local currency exchange office where $1 was only worth about £ .69. At the bank it was just a little better but still in the £ .69 vacinity.
I met with a banker whom I told how many Great Britain pounds I wanted and she figured how much American money would be deducted from my account when the money was shipped.
It was shipped in a few days to the bank where I picked it up. The bank had no additional fees. (The currency exchange office charged a $10 fee on top of the exchange rate but had the money in stock if it was needed quickly.)
The plan was to listen to lots of musica latina (Latin music).
Instead I spent a lot of time listening to Spanish language CDs and working the Duo Lingo app on my phone. The app says I’m 53% fluent. That can’t possibly be correct. However, I am understanding Spanish a little better than I was a month ago.
My doctor prescribed some routine medical tests but I was only able to get to a lab for a blood work-up.
I had planned to return to the gym early in the month. Unfortunately circumstances partnered with laziness prevented my stepping foot in the gym.
At one point I did take a mile hike on a snowy trail. It was torture.
I reconcile bank accounts, prepare payroll tax returns, and get together W-2s and 1099s for all employees.
At home I try to pull together all the information that we’ll need for our personal tax return. Since I have recently reconciled all personal bank accounts and received my own W-2, I plan to gather and classify the self-employment numbers and fill in my tax summary sheet.
And I’ll file away last year’s bank statements. My paperwork clutter should improve considerably.
Actually Charlie needs to print invoices. For some reason he has an aversion to hand-writing invoices.
If it meant getting paid or not, I would write them.
Charlie really only needs a computer for his invoices but he’s been using a desktop computer in his little office since at least 2000 and maybe longer.
The computer won’t get on the internet any more but that’s not the actual issue. He can use his phone for internet access. Charlie needs to print invoices for when he goes out to music gigs.
So I figured out a way to take his invoice templates off the old computer and onto one that’s slightly newer (only 10 years old) by transferring them to a thumb drive then downloading them onto the newer laptop.
Recently the printer, also a dinosaur, won’t print; it just goes clunk.
It doesn’t matter really because its cable is so archaic that there’s not a compatible port on the laptop.
This is the time of year we pull together all the financial information from the prior year so we can file our tax return.
We both individually file a Schedule C (Self-employment) with our tax return even though the businesses for both of us are called “Charlie and Jo”.
Charlie is a piano player and I am a singer/manager. Charlie determines how many gigs he’s done and how much money he made. I consolidate his reckonings with my own.
We both figure out the mileage for our cars that constitutes getting to and from music engagements.
I calculate investments and expenses both for our personal finances and our business finances. In addition to filling out the multiple page tax packet our accountant sends I also make a cheat sheet summary version that’s easy for me to see how the money came and went.
The tile setters started working 2 days ago and basically laid the floors of the two bathrooms in the first day.
The master bathroom floor is basketweave Carrera marble with a medium grey dot.
I ordered plenty for the entire project because I calculated the square footage and added 10%. Since I had to buy full boxes of tile I rounded down just a little bit.
Unfortunately I had purchased the conservatory bathroom tile first and I forgot about the 10% rule. So stupid, but when I’m sitting in front of the computer ordering tile from Home Depot, what did I know?
After the tile arrived, I knew the conservatory floor tile would be close. Apparently too close since I needed to order 6 more sheets. I immediately hopped online to order a few more tiles: 5 tiles would incur a $9.45 shipping charge while 6 tiles (at $7.95 each) would be shipped for free.
The tile setters are not grouting the tile until all the tile — both floors and walls — is set. I’ve spent the whole day texting “Tee hee hee” to Charlie. He concurs.
Do building materials tickle your fancy? What does?