Jay Squires is hunkered down in his swivel chair at his insurance office. Late afternoon of a scorcher of a day, it is winding down to the 5 O'clock hour.     He would like to put insurance behind him and live solely off his writing. Fact is, if he had intended to feed himself, his patient and loving wife, his dog and two birds, on the proceeds from his writing, food would not have passed through his lips since 5 years ago last November. That was when he had a short story accepted by a literary magazine. And it was for a paltry fifteen dollars. It would have just about paid for a celebratory dinner at the Golden Arches: a Big Mac dinner apiece, supersized, followed by a round of sundaes and those little sleeved hot apple tarts. With the check from that magazine's editor came a personalized note apologizing for not being able to afford paying more. So, Jay imagines some magazine editors sell real estate during the week to support their magazine habit in the evenings and on weekends.    It is a wonderful life after all!