Dead wrong

I believe in this election year, the Republican clown car is filled to overflowing much more so than in years past. And Donald Trump is sitting in the driver's seat.

But under the heading of even a broken clock is right twice a day, I'm going to say something I never thought I'd hear myself say. I agree completely with Marco Rubio, Ted Cruz and Donald Trump about one thing: eliminating the estate tax.

I've never been much for labels, but if I had to put one on myself (besides "do not feed" and "wash only in hot water") I'd call myself a centrist Democrat. Another thing I've never been much for? Falling in step with the party line, especially positions I don't agree with. And on this one issue, both Hilary and Bernie are dead wrong.

This isn't a new position for me. I first posted about it here a little over five years ago, although not in any great detail. But the reality for me, and I imagine a lot of other people, is that I'm not feeling particularly under-taxed. During my working life, the government hasn't missed any opportunity to reach its greedy, mismanaged, politically-motivated, oversight-free fingers into my paycheck and take my hard-earned (well, hard-earned if I had a real job) money.

Whenever the time comes, and I finally catch the last train out, there's no reason my children should be taxed on what I spent a lifetime building (and paying taxes on) so they could have a better life when I'm gone. Any person who builds a business, savings, real estate or portfolio during their lifetime - and pays taxes on it all along the way - shouldn't have it all taken away or wiped out because the government wants it's share, again, when you finally take the big dirtnap.

In 2016, estates exceeding $5,450,000 in value are currently the only ones who pay the tax, which means most people don't. But that number isn't written in stone. It's written in the legislative branch and that makes it subject to change. As you can see on the chart, Hillary and Bernie both want to lower the threshold to $3.5 million. Who's to say if the government needs a little more money, maybe the next administration lowers it even further.

Here's the truth: most of the millionaires who do have to pay it actually worked hard and earned their fortunes. They didn't inherit it. They shouldn't have to pay a penalty because they succeeded, and neither should their families. The battle cry that they can afford it so they should pay it is pure nonsense designed to create class war. Do you want the government taxing or taking away what you've earned? Didn't think so.

When it comes to government, I've been taught there are some truths we hold to be self-evident. One of them should be that it's fundamentally and morally wrong to have an estate tax in the first place. It's double taxation any way you slice it, and it de-incentivizes and deters people who would otherwise bring valuable contributions and ideas to the world. It also encourages offshore shelters and keeps money flowing out of the country.

The fact there's even an estate tax at all reminds me of a line in the movie Quiz Show, when one of the characters says, "It's not exactly Jefferson and Lincoln down there anymore."

Ain't that the truth.

Due due

This is going to be a bitch and moan post. It'll be a big cup of whine, with a "do you hear the violins?" chaser.

You can't say you haven't been warned. So here we go.

Sure the freelance life looks pretty glamorous from the outside, but it's actually all knuckles and know-how.

Especially when it comes to getting paid.

Regardless of what you think from reading this blog - and don't lie to me - I'm actually pretty good at this writing thing.

I'm especially good at writing invoices. I do the work, then BAM! I Quick Draw McGraw an invoice faster than you can say "payable in 60 days."

Usually when I work for an agency as a temporary employee, as I do at most places (let's have a moment of silence for the endangered 1099), I'm on their employee pay schedule, which is usually twice a month. Occasionally, once a week. By the way, nothing but love for those shops.

But on the rare occasion when I'm 1099'd, I find the payment schedule is somewhat, what's the word, erratic.

The longest I ever had to wait to get paid was four and a half months. I won't name names - Disney - but it was an absurd amount of time to get what I imagine is less money than Bob Iger spends on valet parking in a week.

Still, it's nice to know occasionally even a global company like Disney needs my help to float them. Happy to oblige.

Here's the thing: I like the companies I work for. All I'm saying is I'd like them a lot more if they showed their appreciation by saying it with cash and paying on time.

Now if you'll excuse me, I have to go make a phone call. Right after I check the mailbox.

Paper trail

My pal Rich Siegel over at Round Seventeen put up a post today that got me thinking, nostalgically, about the non-advertising jobs I’ve had.

It’s a long list.

I won't take you through them all, although delivery boy for Leo's Flowers and driver for Bob Hope's best friend did have their post-worthy moments. Another time.

For today, under the heading of “What were you thinking?!” jobs, one of my first was a paperboy for the Los Angeles Herald Examiner. If that name isn't familiar, it's because the Herald doesn't exist anymore and hasn't for a long time. It was a great newspaper, from a bygone time when L.A. was a two paper town.

I’d get the papers tossed off the truck in bundles in front of my house. Then I'd have to fold and rubber band them, put them in the giant canvas bags that hung and swung from the towering handlebars of my Schwinn Stingray, and try not to lose my balance as I went wobbling on wheels down the street delivering them.

The only thing worse than the daily paper was the Sunday Herald. Thick, filled with crappy ads someone wrote (who would want that job?), hard to fold and heavy to throw, I figured out early on why Sunday mornings were a time for prayer.

In all modesty, I have to say I did develop into a pretty good pitcher, chucking those papers dead center on to the Welcome mats of subscribers homes I rode past. If major league baseball had been scouting paperboys, things might've been different.

Back then, the way I got paid was to go and get it. There were no credit payments, PayPal or online payments. At the end of each month, I’d go door-to-door, my receipt book in hand, and try to collect payment for the month of papers my subscribers had already received.

See if you can figure out how many ways this was a bad idea.

Child knocking on doors at dinnertime? Child carrying money on him? Child arguing with adults about getting paid? Adults swearing at child about paying for the paper? Suffice it to say that even though I was making some change, the end of the month was not something I looked forward to.

Like the papers, the job eventually folded (see what I did there?). But I learned a lot about myself, a great lesson on how I felt about starting the day early, working hard and getting the job done.

It's a lesson I remember each and every day. When I get in at 10.

Off the clock

When you have a plumber over, you don't ask if they could just replace a small pipe for free before they get started.

You wouldn't ask your auto mechanic to replace a few hoses for free before he does a tune up.

Alright, so I think we've learned analogies aren't my strong suit, but here's what I'm getting at.

Why do agencies like to send freelancers the creative brief, along with all the Powerpoint presentations, research, first drafts, graphic treatments and assorted other information - some useful, most not - a day or two before the job starts and ask you to review it all before you come in?

I'll tell you why. Because it doesn't cost them anything.

I'll tell you something else. I never do it.

The fact is I'm not on the clock until I am. Don't get me wrong - I don't just do this for the money. I do it for the love. Of the money (okay, who didn't see that coming). So the night before I start a new gig, when I'm with my family, watching Breaking Bad for the fifth time, walking Max - the world's greatest dog, or whatever I'm doing, it's on my time.

You know what I'm not doing on my time? Working for free.

It's not like there's any fear of coming in unprepared or uninformed. If you've ever set foot in an agency, you know meetings are the currency and lifeblood. Everything they sent you will be reviewed, reworked, rehashed and rethought a thousand times before you put pen to paper (old school expression).

And of course, by the time you start, approximately seventeen rounds of meetings later, the assignment will look nothing like what they sent you to read in the first place.

I think my high school girlfriend put it best when she said, "I'm not just giving it away."

And while I didn't appreciate the sentiment then, I certainly do now.

Pay as you go

When it comes to credit cards, I like to know I'm at least getting a little reward for my completely undisciplined spending. That's why I have two airline affinity cards I use to help me rack up the miles.

Funny thing about credit card companies - they expect you to pay them. I know, right?

Sometimes, as any freelancer will tell you, the bills get there before the checks do. The cash flow isn't always as prompt as you'd like it to be. It's not that it's not there, it's just not there right now.

A few months ago, I managed to run up one of my cards to a healthy sum. It fact, at that point in time, it was a healthier sum than I had coming in.

Eventually I paid it off, but I'm not a guy who likes to have debt. I'm not comfortable with it, never have been. I used to pay my phone and electric bills a year in advance just so I wouldn't have to think about them (I also used to spend my rent money at the track, but I don't do that anymore either - long story).

Now before you say it, don't say it. I know I could've invested that money instead of letting the phone and power company earn interest on it. But to me, my peace of mind and retaining the ability to breathe knowing those bills were paid was a good investment.

Anyway, as a result of having run up that card - little suckers just sneak up on you don't they? - I now do something I've never done. I pay as I go.

At the end of every day, I go on the credit card site and see how much I've charged. Then I transfer money from my checking account to cover the daily balance. With a keystroke, I'm current on the card.

It also helps because knowing how much is in my checking keeps a tighter rein on my spending since I know I'll have to cover it the next night. At least that's the theory.

But with 467,000 frequent flyer miles, I'm not sure how well it's working.

The un-giving tree

Like many of you, I have a money tree in my backyard. Frankly, it makes things a lot easier. When the pile of bills gets higher than Amanda Bynes at Chateau Marmont, I can simply run out to the backyard, pick a few of the ripe Benjamins and take care of business.

Oh, huh, what...sorry, I'm always groggy when I wake up. I was dreaming about my money tree again. The problem is while I wish I had one, people who want money from me seem to think I actually do have one.

Like so much of life, timing is everything when it comes to the bills. In our house we have a system that looks great on paper, but clearly has its drawbacks.

There's a tray near the front door for the mail. All the mail for all four of us go into this tray. Then, when I get around to it, I separate my mail - which includes the bills - from everyone else's and put them in another tray in the dining room.

Here's the tricky part: sometimes (and by sometimes I mean always) bills get mixed in with other peoples mail in the first tray, and I don't discover them until after their due date. That due date also creeps up on the bills I've put in the second tray.

I really need to check that tray more often.

What usually happens is I forget about the bills, then start thinking, "Hey, look at all this money in my checking account." That thought right there? That's my cue to look at the bills.

The past due bills.

So I break out the checkbook and start paying the piper. But because I thought I had the money, I was spending the money. It runs out way before the bills do (due).

This is where the money tree comes in handy. Or would if I really had one.

What I need to do is provide a better role model for my children when it comes to managing money. I simply have to realize there's no money tree, and start organizing my bills in a more adult and responsible way to make sure there's enough money to get them all paid on time.

Right after I buy my lottery tickets.