Showing posts with label Bill Payment. Show all posts
Showing posts with label Bill Payment. Show all posts

Thursday, November 6, 2025

Now that I'm home, I'm catching up on things

 


It took me roughly 2 hours to get home today, and I'm starting to take care of things needed to get me through the week. 

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Returning home after a weekend with RQS can be a pain, as I know of all the tasks to take care of when I get home.  For example, unlike my brother, I prefer NOT to use my bank's phone app to take care of bill payments and other things.  My financials are way too important to me to trust to a device that can get easily stolen (as happened with my wallet in Chicago a couple of years ago).  So, moving money from my personal account to the account dedicated to the family homestead had to be done from home.  But there were other tasks to take care of, such as 2 loads of laundry.  That got done this evening.  And I was expecting a delivery from Ulla Popken which UPS reports is stuck in Philadelphia.  (Dollars to donuts, the shipment is being delayed because US Customs isn't clearing the shipment due to the government shutdown.)

Normally, I'd have taken the time to switch into Marian mode and relax.  However, I have to present as Mario in the morning when I visit my doctor, as well as meeting the management company's site representative for a run through of the vacant apartment we are auctioning off next week.  Only after this is taken care of will I be able to switch into Marian mode and get my nails done (if I have the time) before going to a meetup in Valhalla.

I still have a big mess to straighten up over here, as well as laundry to fold and put away.  Those tasks can wait.  I'm tired and want to rest for a while.  

Tuesday, September 9, 2025

Now that I'm back from my cruise, it's time to catch up on things.

 


Now that I'm back at home, there was a lot waiting for me at my doorstep.  First, there was a large packet of held mail.  And then, were the packages waiting for me that were delivered while I was away.  And now, I'm thinking of what I have to catch up on before I go away again.

- - - - - - 

While I was away, I read something in the NY Times and Washington Post in regard to Transgender Youth treatment by medical organizations.  Seems like the Orange Snowflake is violating HIPAA rules to get access to personal information regarding these children.  To make things worse, it seems like they plan to force these children to go through "Conversion Therapy."  (I can only wonder how many of these children will commit suicide if forced into this kind of inhumane treatment.)  If of any readers knows of any transgender children receiving treatment, now is the time to get them out of the US by any means possible.  

I know one woman whose child is TG.  She's working on getting him German citizenship to protect him from the US government, with the idea of leaving the US and having his TG status protected by a democratic government.  I personally know one child who is receiving psychiatric care for being TG.  If needed, I will help this family bring the child to a foreign nation, so that the child will not be harmed by forced conversion therapy.

- - - - - -

Paying bills is always a chore.  However, I only had 5 bills to pay, and none of them were yet due.  So $660 later, I owe nothing to any bank - and my used credit is zero.  (Mind you, I'd probably have a better credit rating if I paid my bills between the billing dates and the due dates.  But I hate thinking about credit cards, when I treat them as cash for most purchases.)

Normally, I have a charge pending on one of my credit cards after a cruise.  On this cruise, I had a truck load of refundable and non-refundable cruise credits, and spent them down to within a nickel of exhausting them all.  When we take our next cruise, we'll have even more refundable cruise credits which we do not intend to spend.  This way, the money we got back for taking a "move over" cruise will end up in our pockets, and not in the cruise line's tills.

- - - - - -

Given that we only had 3 days of dirty clothes left from our cruise, I was able to unpack my large suitcase and carry-on, and be mostly packed for our next cruise.  (I'll take the laundered clothes and repack them when I'm next at RQS's place.)  It's nice to be able to do one's laundry on a cruise ship on a sea day.  How many times can one go to the buffet, ice cream shop or onboard movies before one has the itch to spend money?

Since I like NOT sending my laundry to the onboard (expensive) laundry service, I probably will keep cruising on Princess's ships, as their low-keyed attempts to pick a cruiser's pockets (and deliver value) is more my style of cruise line I like to cruise with.  Even though I get a free bag of laundry on NCL, the small size of their bags make it impossible to come back home without an overly large amount of laundry to clean.

- - - - - -

Tomorrow, I have to run a few errands.  I'll finally be back in Marian mode for the first time in over 2 weeks.  The next day, I'll see my doctor (who will read me the riot act for weight gained on this cruise), and I'll finally get the chance to have my nails done before going on our next cruise.  It's so nice to be able to spend the money to pamper one's self with a Mani-Pedi in a local salon.  

- - - - - -

RQS gained 5 pounds while on the cruise.  I expect that they will go away with getting back to normal eating habits.  But it is something we'll have to watch out for while we're on our next cruise.  (I guess I'll have to stop eating as much rich food as I became accustomed to on the ship.) 

- - - - - -

Of course, I expect that I will need to deal with both Co-Op related  business and family homestead related business.  I have been out of touch with both the co-op management corporation and the co-op president, as well as my brother (for the family homestead).  I expect to be dealing with some interesting issues when I'm considered back in the real world.

 

Sunday, May 11, 2025

It's not just me. People are truly scared of the Orange Snowflake.

 


Tonight was the last Game Night before I go away on a cruise to Bermuda.  Finally, I had the chance to speak with the hostess about current events (she has a F2M trans child), and she is both scared and angry.

But first....

Today would be my last day out and about as Marian for the better part of a week and a half.  And I spent most of the day inside the apartment taking care of last minute things such as paying bills and throwing out some trash.  Around 5 pm, I started getting ready to go out.  I didn't want to get too fancy, so I took out a simple denim mini dress, as it was 80° outside when I was getting dressed.

As usual, I got to game night around 7:45, and was the only (trans) female at the table. The hostess was with her son at a Chess match, and wouldn't be back until 9:30.  So, it was 5 of us playing games in the kitchen until the hostess came home.  Once she arrived, I made the effort to engage her in conversation, and she noted that in less than 100 days, we have turned into a nation with is a cross between "the Handmaiden's Tale" and "1984".  We have gone from zero to 1935 in 3 months!  She noted that she is taking almost every trace of social media off of her phone, and keeping it bare bones, in case she crosses a border.  I noted that I have a burner phone, and I may bring it on my upcoming cruise.  And then, she noted the lack of privacy in smart watches, as they now can track a woman's ovulation cycles. These are scary times, and she could only talk so much before she got overwhelmed by her feelings and had to change the subject. Meeting her again made me think - as soon as I get back from the cruise, I'd better start back on the paperwork needed for a second citizenship.  I want my letter of transit while planes are still flying to Lisbon. (See "Casablanca" for its MacGuffin, the letters of transit.)  

Right now, we are seeing the early stages of authoritarianism take place in the United States.  The people close to the president were chosen not on their competency for their positions.  Instead, they were chosen ONLY for their loyalty to the president.  They defend the undefendable, only to stay in good stead with their leader.  Political, social and human rights are being destroyed to please their leader.  Legal non-citizen residents are being imprisoned and deported simply because they exercised a 1st amendment right to say things that make the current administration unhappy.  To make things worse, the president has hinted at throwing American citizens into the same gulags now being used to hold non-citizens.  Due process no longer exists, save when the judicial branch of government can get involved.  And even then, many in the system pledge their loyalty to the president and not to the law.

When will this stop?

The other night, I was watching part of a CNN piece on support for the Orange Snowflake in a rural area in the Midwest.  Although many were very unhappy with how his tariffs were affecting their businesses, they were not ready to abandon him.  "Let's give him a chance" one person said, as if his personal sacrifice would be rewarded in the long term.  The problem is that the "little people" are of no worth to the snowflake.  They are only tools to be used when he needs to exercise his power.  This wouldn't be so bad if the snowflake wasn't a malignant, narcissistic grifter.  It's so sad to see people get hoodwinked, then double down on being hoodwinked instead of seeing the snowflake for what he is - one of the greatest grifters of all time.

There is an old joke in the wine industry:

Q: How do you make $10,000,000 making wine?. 
A: Start with investing $50,000,000.

Well, the snowflake has made his millions by telling people to invest their $50,000,000, and leaving them with only $10,000,000 after he has squandered much of their money.  He doesn't want to acknowledge that his casinos in Atlantic City went bankrupt - a business which is usually a "license to print money".  Most of his other businesses have been scams that provide little (or no) value for money spent, such as Trump Water, Trump Steaks, and Trump University.  (The latter a known fraud which resulted in a $25,000,000 settlement to his victims.)  Both big and small investors have been scammed by this person, and now he's made the United States his final target.

What does the snowflake want?  First, I think he's motivated by extracting as much money as he can out of America, whether it is a series of sweetheart deals that have foreign governments pay him bribes in all but name (does anyone remember the Trump hotel in Washington, DC?), or whether it is by insider trading of anything valuable in the American economy.  Second, I think that he's looking to become an all-powerful dictator who can accept no challenge to his idea of current reality.  He's a man without principle, and will sell anyone and everyone out for short term gain.  He craves public recognition, something which was denied him in the hometown that despises him - New York.

How much am I concerned? 

Well, I will send in paperwork for my second citizenship and passport when I return from the cruise I am taking next week.  More importantly, I am worried about what border control will look for on my phone when I return from my short cruise, assuming I am targeted for things I have posted online.  Right now, I still have a presumption of "Due Process" as an American citizen.  But how long will that last?  More importantly, can it last with all of the people who have sold their souls to support him?

Friday, May 2, 2025

A free day before a lot of activity

 

Tomorrow, I will be dealing with a Doctor's appointment as Mario, and then a Dinner engagement as Marian.  So, it will be one of those "half and half" days where I have to change my presentation in mid day.  This is part of why I did nothing much today other than to pay a bill or two, and to do some more laundry.

But first....

I woke up after a good sleep.  How did I know it was a good sleep?  Well, I rarely dream, and I had a vivid dream during the night that has since faded from memory (like most dreams do).  Once I was fully conscious, I warmed up some frozen quiche from Trader Joe's (Meh!) and sat down to fold some of last night's laundry.  Even though the sock monster ate two of my ankle socks, I have more than enough to spare.

Next on the docket was paying some bills.  Although my car insurance went up, I was glad to get this payment out of the way, as I expect even more bills to come up before the end of the month, as well as a funds transfer to pay for work being done on the family homestead.  AARGH!  Yet, one good thing came of this - I found out why credit card payments to one account weren't being processed.  It seems like the partner bank for one of my cards had changed, along with both account number and lockbox addresses. So I updated this information, and I hope that next month all will be OK.

Finally, I got around to doing my laundry.  Two loads washed and dried, but not yet folded.  I will need to do this before the weekend, as I have to bring a packed suitcase along with me as I drive RQS home after the upcoming weekend.  This way, when I go there by train, I'll have my carry-on, my CPAP machine, and maybe my backpack.

- - - - - -

One item of mote: Today, I read a report where US Customs detained a US Citizen and his wife at the Canadian border, and made him surrender his cell phone - even after he noted that he was an attorney, and had sensitive information on it.  Even bright red congressional districts have had enough of this crap and are complaining.  The US Citizen and his wife were eventually released, but what does this say about the heavy handed treatment that ICE is showing people of all nationalities, including our own?

Given that I will be out of the US at least 3 times in the next 6 months, I wonder what will happen to me, as I am openly against this administration's actions.  Will they subject me to the same headaches as this citizen experienced?  Yes, I'll be traveling as a cisgender white male, and not the transgender woman I am.  But how long will it be possible for me to deal with being in stealth mode, and when will they start hunting us down, like the Nazis did in the 1930's?

 

 

Wednesday, April 30, 2025

Lots of little things, but nohing big for me.

 


Soon, I'll be going on a Bermuda cruise.  And things are backing up in the queue of last minute items to check on my to-do list.  Although I have set up my Hold Mail request, I still need to pack, take care of my medications, and get all needed bills paid before I go away for a few days.

- - - - - -

Today, I took RQS's lead and donated some books to the local library for resale.  I wasn't going to tell RQS this, but I was using this batch of books as an excuse to visit the store and chat with one woman I meet at a recent meetup.  Since I have more than enough books to donate, I can always make another visit in the future.

I have another visit to make to the family homestead to deal with contractors entering the building.  This time, I have to be there while a chimney liner is installed, and possibly be there to let the plumbers in the following day for gas pipe replacement.  The chimney liner replacement has been scheduled, but telephone tag has prevented me from scheduling the gas pipe replacement.  But with expenses like these coming down the pike, both my brother and I will need to put more money into the house than we'd want to do right now.

Hopefully, the second co-op board meeting of the month will go well.  Our finances are still up in the air, and we have issued a new assessment to cover our shortage for the forced insurance coverage contracted for by the bank last year. Although the notice hasn't gone out at the time I'm writing this entry, I know people will be upset as soon as they receive notice of the assessment.

Before I go on my cruise, I have to pack my bags for the trip.  Given that I have 4 bags of laundry to do, I expect that I will spend the better part of one day washing, drying, and folding laundry.  I've been very lazy about this task lately, but I will do it before the coming weekend.  At least I have more than enough clothes to get by until my laundry is done.

Bill paying is a task I do several times each month.  I need to make sure that all of my important bills are paid off, including this year's car insurance bill, which has gone up by $75 for this 6-month period.  This makes me glad that I took a distribution from my 401-K last year. 

As I said, lots of little things, but nothing that big....

 

Saturday, July 20, 2024

Now that I'm back home, I'm catching up on things.

 

OK, it's been a while since I've been able to sleep in my own bed.  And it feels strange!  I guess that I'll have to make it into NYC with RQS and have her try out the Saatva mattress I liked so much.  Given that RQS has fallen in love with her mattress from Bob's Discount Furniture. I figure that I will have a hard choice to make sometime soon - do I want a bed with a fixed base, or one with an adjustable base?

While I was away, I received a letter from a lawyer in Los Angeles that I am one of the beneficiaries of my uncle's trust.  My brother is more upset at the terms of what hell get from it than I am.  I guess it's because my uncle considered a close friend in LA that he's known for years to be as much a family member as his blood family is.  Given that I have seen a list of the beneficiaries, I have a strong feeling that my uncle wanted to see most of his money go to causes that he cared about.

I'm glad that I did a load of laundry on the second to last day that we were on the ship.  I only have a couple of days of dirty laundry from the cruise to add to my laundry basket for another load I have to put in to my co-op's washers/dryers before the end of the week.  The rest of the laundry in my suitcases can be put back into my dresser drawers.

Bill paying is a pain in the neck, and I had a small stack to take care of.  One of these bills was a credit card charge related to a cruise I'll be taking next year.  (More details on that later.)  I'm lucky that I have overpaid my co-op maintenance charges enough to skip one payment and still have a hefty surplus in my account.  (The same went for my electric bill as well, but not to the same degree.)  At this point, I am in good shape financially, even with an unexpected expense.

Depending on where I stand with my accounts, I'm thinking of surprising RQS with an expensive gift that we both can enjoy.  (No, it's not a ring.)  If I do so, it'll be closer to year end that I spring this on her.  She's a good woman, and I want to show how much I appreciate her being in my life.

Just before I took my recent trip, I found out that my online pharmacy was unable to reach my doctor's office to renew my prescription.  So I called the office this morning, and reached a receptionist who may not have bothered to see that the prescription is called in.  I'll have to double check this tomorrow, as I'm running low on this medicine.  Thinking about doctors, my CPAP machine is near the end of its life.  Tomorrow, I have to call the sleep doctor to see whether I need another consult and another sleep test before I can get a new machine.  (I also want to buy a second machine, just for travel.  But I'll talk with the doctor about that first....)  It's hard to believe that I got this machine 9 years ago!

As I said in the title of this post - I'm catching up on things....


Wednesday, January 17, 2024

Going to the first meetup in the new year

 

This past Tuesday, I went to my first meetup of the new year.  I've been to this restaurant during Hudson Valley Restaurant Week, but never at another time.  This place, Char Steakhouse, has a prix-fixe menu on Tuesday nights that is quite good.  So I figured that I'd try it out.

- - - - - -

One of the problems with Char is that it is hard to see where their driveway begins and ends in the dark.  As a result, I had to go very slow turning into the place, lest I drive my car into a ditch.  Once there, it's not always easy to find a parking spot.  But what makes things easy for those in the know is that there is a rear entrance to the building that usually serves as the main entrance to the restaurant.

I saw my group, and sat down next to the leader of the group.  Soon, someone else came in with a friend, and we all started gabbing.  The lady to my side hit it off quite well, and we exchanged numbers, so that we could meet for lunch one day.  Hopefully we can do that - but I'll be sure to stay in Marian mode, as not to let gender get in the way of developing a good friendship.  

 


Finally, the waiter came to take our orders, and I chose the Zuppa de Pesce.  Yum!  I'd come to this restaurant just for that, even though steak is their specialty.  Later on, one of the people at our table had to leave early and took care of her bill.  One problem - our waiter didn't see this, and thought that she skipped out without paying.  So the meetup leader texted this person, and we hoped she'd come back to the restaurant to settle things. A few minutes later, I left the place and took care of an errand before returning home for the evening.

Why do I still go to an occasional meetup?

The answer is relatively simple - I still want to make new friends, and make them as Marian.   Some people wonder why I feel more comfortable as Marian, and outside the issue of gender dysphoria, I feel that I enjoy the company of women more than men, and that I prefer not to have the issue of sexual behaviors get in the way of having the friendships I want most.

Friday, October 6, 2023

My checking account shrinketh...

 

Like many retirees, I am draining both my savings accounts and my checking accounts.  I made the decision to do this when I quit the job I had at the imaging firm.  As much as it pains me to see my balances go down, I know that this annoyance will end soon - when Social Security payments kick in.

- - - - - -

Unlike many people, I am lucky to have a pension, a reasonably sized social security payment (as of January), and a 401K which I have only touched once.  Managed properly, in an age of low inflation, I am reasonably set for life - as long as I stay tolerably healthy.  And I will be trying to stay tolerably healthy for as long as I can do so.

But what does this all mean?

In order to stay healthy, I will need to lose weight and become more active.  The older I get, the harder this is to do. There is a benefit to this - I will be able to refresh my wardrobe from more sites that I can now choose from.  It'll be much easier to buy nice clothes when I'm a size-22w than now, when I am a size-28w. 

- - - - - -

And now, back to checks....

I rarely write checks these days, save for those recipients to whom I don't want to make electronic money transfers.  When I was gainfully employed, I worked on machines which would process over 2mm checks per day, items moving through check sorters at 20 mph.  Now, if a bank receives a check, it is captured where it is received, and digital copies of the check are electronically exchanged between banks.  Check volume is only a small fraction of what it once was, and that is a good thing.  Yet, I miss the old way of doing things.  It was tactile (in some ways) and physical.  Today's method of moving money may be more secure, but it is too easy to lose track of where one's money is going.

Would I switch back to paper checks for most of my bills?  No.  Even I respect today's reality and accept change for the benefits it provides.  But I do miss the days when I was paid very well for a business model which is mostly obsolete now.

Saturday, September 2, 2023

I misplaced my wallet, and I got scared.

 


I've had friends who have been robbed.  I've had friends who have been pick-pocketed.  And I've had friends who have lost or misplaced their wallets.  Consider me one of those who have temporarily lost a wallet, only to find out that it fell out of my trousers in a safe place.

- - - - - -

Today, I started off by taking care of some laundry that had piled up, and paid some bills.  After a couple of days spent presenting as a male, I felt that it was time to get back into a dress and go out as my authentic self.  So I looked for my wallet, in order to transfer my ID from the male wallet I was using to the female wallet I intended to use.  And then a mild feeling of panic came over me.  Could I have accidentally left it at the buffet last night?  Could it have fallen out of my pocket when getting out of the car?  Where could it have gone?  Will I have to contact DMV, my car insurance company, and my credit card companies to get replacements for what I usually carry?  

Luckily, all of this worry was for naught.  When I came up from doing the laundry, I was in male mode and my wallet was in my back pocket.  After checking all of the places where I might have put the wallet, I ran out to the car and found nothing.  At this point, I felt that I was in for an excruciating time, as I would need to start the process of replacing the contents of my wallet.  But I was in luck.  My wallet had fallen next to the toilet.  (Yecch!  Lysol, please!)

Now, I have made sure that the wallet is in a safe place, and I am ready to go out as Marian....

Sunday, October 30, 2022

Taking care of some items found in the mess on my desk

 

This will likely be one of my shorter posts.  

Recently, I mentioned that I had to file some paperwork so that I can get $100 cruise credit on each of two cruises, simply for being a cruise line shareholder.  To do this, I had to wade through the mess of papers found on (and near) my desk to find a recent brokerage statement.  Most of the time, I don't bother to print this statement.  Nor do I always file the ones I receive in the mail when I receive them.  So, it took me a while to find September's statement amidst all the clutter.

However, I have a simple procedure for dealing with my bills.  I pay several at the beginning of the month (one/two is/are on auto pay), some more as they come in, and then the rest at month end.  By handling the bulk as they come in, I don't have to worry much about finding the bills when I get around to paying them.  (I use an oversize clip to hold bills, and then pay them in batches.)  If I were to ever get my desk straightened out, I'd likely use a different method.  But until then, I'll continue to do what has been working for me so far.

Yet, even essential things have been known to go missing for a while.  Ever misplace a wallet on a messy desk?  I have.  What about glasses?  Yup, I have done that too.  Even house keys have gotten lost in my desk's mess.  Luckily, I've learned how to deal with the mess and use boxes to hold things while I conduct my searches.

Aren't glad you don't have me for a bookkeeper?

A true "Bucket List" cruise.

  This is a cruise I'd like to take someday in the future.  It's 28 days long, and it goes to ports I'll never have the chance t...