Workin' Man - Part XII - Paying Off the Pile of Debt and More Newspaper Delivery

Well, I get up at seven, yeah

And I go to work at nine
I got no time for livin'
Yes, I'm workin' all the time

It seems to me
I could live my life
A lot better than I think I am
I guess that's why they call me
They call me the workin' man

'Cause I get home at five o'clock
And I take myself out an ice cold beer
Always seem to be wondering'
Why there's nothin' goin' down here

I guess that's why they call me
They call me the workin' man

"Workin' Man" - Words & Music by Lee & Lifeson 

Over the course of five or six years, in order to pay off $20,000 in credit card debt, I had a succession of part-time jobs in addition to my main job. The first position was as a night stocker at the Cornhusker Super Saver while I was still a manager at The Omaha World-Herald. I worked four nights a week, 9:00pm - 2:00am, 20 hours/week. When I came in at 9:00, my first task was go around to all displays and organize them so that the forklift crew could start filling them right away. Usually the delivery truck came in at 10:00. Another stocker and I would unload the truck and then start "stringing" the aisles, i.e. taking the stock from the pallets and setting it on the floor in front of the shelf where it would ultimately be placed. Once this was done the manager would assign me to either work with the forklift crew filling displays or to work one of the aisles. Since I was only scheduled until 2:00 it would either be a smaller aisle, or I'd work with another employee to stock their aisle. I was 40 years old, and by far the oldest one on the crew and was frequently mistaken for a manager. It was pretty routine work, but I wasn't getting much sleep. The most exciting things that ever happened was the occasional run-in with a shoplifter (company policy hadn't yet banned physical contact). The worst that happened was getting buried in a pile of bodies one night when several stockers tackled a shoplifter who I was chasing. Ouch! 

Back at the World-Herald, my disenchantment with the bonus and salary situation led me to start exploring my options. A new store had just been built in Lincoln, resulting in multiple management openings, including the Grocery Manager at the Super Saver at 48th & O. The Grocery Manager was in charge of what we called "Center Store" the food aisles of can and boxes, as well non-food items like detergent and paper towels. The Grocery Manager was considered next in line behind the Store Director and Assistant Store Director. I was hired for the position after an interview with George Hill, the Store Director. Of course, now I couldn't keep my part-time job with Super Saver, so I agreed to stay on with the Omaha World-Herald part-time. 

My new part-time position was as an assistant to my replacement. I was doing some of the same things, repairing racks, tracking single copy sales and collecting from the racks on weekends. But it didn't last very long. One reason was that my schedule at my new grocery job was not 6am - 2pm as I thought it would be, but 6am - 4pm. (9 hours work + an hour for lunch), so I couldn't get to the newspaper office until late. The other reason was that the new State Circulation Manager, who set up his office in Lincoln, unlike Omaha, as his predecessors did, was cleaning house of holdovers and filling positions with his own people. I was told I was being laid off because we "had too many part-timers", but they soon replaced me and the others they "laid off". 

I still needed a second job, so I took a job as a telemarketer. They weren't very picky about who they hired. I found out later that in a group of 20 new hires, 5 or 6 would leave on break during the first night of training. When night two of training started there would be fewer than 10 left. After one shift working the phones for real, 5 newbies would be left. Only 2 or 3 would end up staying around. It was hire in bulk and see who sticks with it. The place was open Monday - Saturday, from 8:30am - 9:00pm. I'd work an 8-hour shift on Thursday, my day off, and 4-hour shifts, 5:00 - 9:00pm on week nights. I had a  rotating weekend off at the grocery store, so I would work a full shift on my one Saturday a month off. 

Telemarketing is a hard job. There's a lot of rejection - think about how often you hang up on cold calls. But there are sales. Think about it, there would have to be, or why would companies keep doing it. I was very skeptical about my ability to make any sales, since part of our sales spiel involved getting the potential sale's bank account number and social security number. I thought surely no one would be that stupid to give that information out. I thought wrong. Most of the phone crew managed to average two sales per hour. There were a lot of hang ups and rejections, but as long as we consistently achieved our goal of two sales per hour, everything was fine. Back then minimum wage was $5.15/hour. We were paid $8.00/hour to start, plus commission. If you averaged 1 sale/hour, you received $1.00/sale. If you averaged 2 sales/hour, your commission went up to $2.50/sale. If you managed managed to average 3 sales/hour you received $4.00/sale. Once you closed the sale a verifier would get on the line and confirm your sale to eliminate the possibility of cheating. 

We sold several different products. Our main one was called Auto Savings Discount Club (ASDC) which had nothings to do with autos or savings, and wasn't a discount or a club. (It later changed its name to American Savings Discount Club) What it turned out to be was getting people with bad credit to sign up for a limited line of credit for a fee. After paying a fee a member could draw on this line of credit to pay bills in an emergency - paid back at interest of course. Eventually the FCC closed them down - they were preying on people with poor credit and it turned out they weren't even giving them access to the lines of credit. 

We also did some political polling. The first time was for Jon Corzine, who was running for Senator in the New Jersey Democratic primary. Most of the people we called would ask whether he was Democrat or Republican, and when I responded that he was a Democrat would assert that they were voting for him.  My explanation that it was the primary, and that they were all Democrats, fell on deaf ears and I eventually just gave up trying to explain. The one that was really interesting was when we did polling for a New York City Council candidate. First we would call and ask some questions about which issues were most important, once we had the answers we would call back in a month, emphasizing all the issues that our candidate agreed with the voter we were calling, ignoring the areas of disagreement. A different script would pop up for each voter, depending on how they had answered the questions during the previous call. Tricky bastards, those pollsters. 

Before the place was shut down, I got very good at selling ASDC. The trick was to cycle through the "no's" as quickly as possible. This meant getting a sense for who was either too dense to understand what you were selling or too smart to fall for it, in addition to those were just going to string you along. Once you knew you had one of these you had to get off the phone as soon as possible and tee up the next one. Since telemarketing success depends in large part in reaching a lot of people, the key to making sales is to not waste time with the people who aren't interested. I developed an ability to detect early in the call who I should push it with and who I should give up on quickly. Getting those who I knew were a lost cause off the phone enabled me to reach more people and therefore get more sales. This was against company policy, which had a script for you to follow that needed a "no" three distinct times before you could move on. We had a quality assurance monitor who would listen to our calls and write us up if we deviated from the script. But those of us who brought in a lot of sales were eventually left alone. 

One of the recurring reasons to drop a call was when the person we were calling wasn't home. We were supposed to then try to sell to whoever answered the phone, as long as they were an adult. This never worked. We'd ask for "Bob Smith", and be told that Bob wasn't home. According to the script we were to say that we could make the offer to them - Mrs. Smith, or Bob Smith's brother, whoever - and proceed with the script. The problem - every single time - was that, no matter how well you thought the call was going, no matter how much it seemed like a sale, when you swooped in for the close they would invariably say "Bob's not home". Why bother? 

I used to get a kick out of people who were conflicted about what we were selling, but didn't want to come right out and say that they weren't interested. We'd get to the close and have to ask them for their bank account information.

Me: I'll just need your bank account number

Prospect: I don't know it

Me: All you have to do is look on the bottom of your checks, the first nine digits is the routing number...

Prospect: My checkbook is in my car

Me: Okay, I'll wait while you go out to your car and get it

Prospect: I don't know where my car is

Me: What?

Prospect: My brother has it

Me: *Click*

I don't know if people really kept their checkbooks in their cars, or they just thought it sounded like a plausible excuse, but in the two years I was there I heard this dozens of times. 

I mentioned earlier that my work schedule rotated my days off once a month. The company required a request in advance to change the schedule, but they tired of me requested a change every month and decided to just let me come in whenever I felt like it. Many weeks I worked until I made my goal for sales for the week. After I had been on the phones for around two years I was getting a divorce. After missing a few shifts to find a place to live I stopped in to the phone bank, only to find out we were shutting down because ASDC, our biggest client, was being shut down by the FCC, and the money they owed us was frozen. We eventually got paid. Once again I needed a part-time job.

By this time I was an assistant store director at the Cornhusker Super Saver, I wasn't having any success finding a second shift job, so I ended up taking a Lincoln Journal Star seven-day motor route. My territory was the southwest corner of Lancaster County - west of Highway 77 and south of Highway 33, including the towns of Sprague and Hallam. I'd start around 2:00am and deliver papers until around 6:00; head home, shower and start work at Super Saver at 7:00. Gas was around $1.60/gallon. I was making over $900/month after paying for gas and replacing the occasional tire. I ran this route from November 2001 through May 2002. It's not generally known that paper carriers are classified as independent contractors. You can't call in sick or take a day off unless you can find someone to substitute for you. So I worked sick and never took a day off. I paid for gas and tires myself. A problem being an independent contractor is that you don't receive a paycheck, you receive a check representing your net profit, with no tax or social security taken out. This means that you're likely to have to pay the IRS in April, rather than receiving a refund as most people do. I didn't report my paper route income and ended up having to pay the back taxes plus penalty and interest when the IRS figured it out. Ouch. 

In 2002 I planned on taking a trip to New York to visit family, stopping along the way to see friends. I planned on being gone for around two weeks, but could not find anyone to cover for me, so I had to quit. I still needed a second job. That Autumn I was contracted to deliver the Tuesday afternoon Star Express, a free paper put out by the Lincoln Journal Star. This was a lot easier that the rural route and it was only one day a week! And it was in the daylight! After a year or so the Star Express was discontinued. The Journal Star started a program where all non-subscribers would receive a paper every Wednesday morning. By this time I had long since paid off my debt, but was keeping the route to help make ends meet. I was making $200/month, which was the same amount that I was paying in child support for my last minor child. Once I was no longer paying child support I decided that I no longer needed the extra income and quit the last in a long succession of second jobs.