Showing posts with label Expenses. Show all posts
Showing posts with label Expenses. Show all posts

Thursday, December 12, 2024

Miscellaneous Thoughts

 

Right now, many things have been going thru my head.  Here's a list of some of the things that are giving me a little angst:

  1. Trump's Cabinet Choices. 

    All of our future president's cabinet choices so far seem to have escaped from a clown car.  People such as RFK Jr. should be nowhere near any positions of power in any agency related to public health.  While watching the news, I was reminded about RFK's visit to Samoa, and the misinformation he likes to spread regarding vaccines.

  2. Trump's Political Revenge.

    DJT has vowed to take revenge on people who opposed him.  Can we afford for the Justice Department to be weaponized?  I doubt it.

  3. A possible upcoming trade war.

    We get cheap goods from the world over.  We can no longer produce low-cost goods, as they depend on low-cost labor.  Who can afford to live in the US if paid Mexican wages?  Making threats against Canada and Mexico will be counter productive, as the economies of the 3 nations are tightly integrated.  Do we want to dismantle NAFTA (or, whatever it is called now)?  I don't.  Most US goods are produced with other goods sourced from around the world.  We can not untangle this profitable web of trade connections without becoming North Korea.

  4. The Christian Nationalist war against the LGBT community.

    When blowhards are trying to deny Sarah McBride her right to relieve herself in one of the Capitol's lavatories, it shows how deep seated hatreds based on religious bias can cause us harm. We're seeing states like Texas, Louisiana, and Florida making moves to teach the bible in their public school classrooms.  Do we want to become like Iran, where only one religion and one standard of behaviors is acceptable?  I don't think so.

  5. Health Care.

    Recently, my partner, RQS had a medical issue that caused her to go to the emergency room, and then be admitted to the hospital.  However, once admitted, the hospital's bureaucracy got in the way of her being released due to non-medical reasons, causing he to miss having a fancy holiday dinner at a local restaurant.  Something has to be done to monitor both the progress of medical care, as well as the administrative process that could result in a person being kept in the hospital longer than medically needed.

    No one likes feeling like a product on an assembly line, and that is how RQS felt during her stay in the hospital.  Somehow, patients' emotional well being has become the least important item in a hospital's priority list.  No wonder why people fear going to the doctor.  Once a person has no control over any part of what is being done to him/her, they avoid losing any control at any cost.  The emotional trade off isn't worth having good health.

  6. Family.

    My brother and sister in law do not have the best of marriages.  One day, when my brother was out, I called the house and we got into a conversation.  Without going into details here, she still loves my brother, but feels like she is being neglected by him.  On his side, he resents how her illness has affected his life - as if it was a moral failure.  It is a recipe for disaster, as neither of them are able to communicate well with each other, and long standing resentments get in the way of breaking down the walls between them.

  7. Friends.

    The divisive political climate we have in the USA reminds many of a dysfunctional marital relationship, where two spouses constantly bicker all the time.  Sadly, my country at a macro level reflects what many people are experiencing at a micro level.  For example, the friend who was the best man at my wedding has changed in a very different way than I have.  He has effectively consumed the Kool-Aid, while I have learned to detect it and avoid it.  His attitude towards transgender people would be acceptable in the backwoods of Texas or in the deep reaches of Louisiana's Bayou country, but not around here.  I believe in live and let live, not imposing yourself on others.  I can only imagine his reaction if he knew I was Trans.

    Other friends are more accepting.  The host and hostess of game night have a Trans child, and have no problems with me.  Yes, their child has to live in both worlds and make their way through life.  Yet, the parents are preparing their child for their life ahead.  It's amazing that when people are continually exposed to different people how accepting of differences they become.

  8. Planned and Unplanned Expenses.

    I bought my car knowing that I'd be spending a prince's ransom to keep it in running order. This is not a bad thing.  If one has a well designed car, one can keep it on the road for a long time with proper maintenance.  I was willing to trade money for a safer car than I was driving for the past 10 years.

    However, cell phones are designed to be disposable commodities.  I hate spending money on a new phone when the old one works perfectly well, but should need only minor maintenance.  In my case, my current cell phone has a dying battery that needs immediate replacement.  (It shouldn't even be used until the battery is replaced.)  Sadly, my phone wasn't designed in a way that I could replace the battery (as I could with my first cell phone).  Instead, I have to buy a new phone, or order a replacement battery and have a specialist install it for me.  Something is very wrong here.

    Now that I am retired, I am much more sensitive to money that leaves my wallet.  Yes, I'm in the age bracket where one should expect to drain one's lifetime savings.  And yet, the weight of all these expenses will always bother me a bit.

Tuesday, February 13, 2024

It's hard to believe that I booked another cruise already



I have a cruise coming up in 3 months, and both of us have another in 5.  Yet, RQS and I have just scheduled another cruise for the fall - this time to Bermuda, when both of us have a bucket list cruise to finish paying for.  AARGH!  Luckily, both of us can afford this cruise, but it forces us to think about the cruising/vacations we'll be taking in 2025.

- - - - - -

Normally, we don't see Free Pre-Paid Gratuities on NCL.  Its "Free at Sea" package does not cover gratuities - this means that we each would have to pay:

  • Beverage Service Charge           - $152.55
  • Specialty Dining Service Charge -  $19.80
  • Daily Service Charge                  - $140.00

However, the deal noted above with Pre-Paid Gratuities (Daily Service Charge) made it worth the while to upgrade to a balcony cabin.  Yet, it's money that I wasn't planning to put out until after we returned from Europe.  

- - - - - -

Now that we've committed the better part of $15k to travel in 2024, what does this mean for 2025?  I'm not sure if RQS wants to commit to another bucket list trip.  Additionally, I'm not sure if our bucket lists are fully in sync with each other. This is not a big deal, as I see room for us to heck off a few destinations on each of our lists.

For example,  If one looks at the above chart that I maintain on a monthly basis, you'll see that I am looking to take either one of two Alaska cruises during the shoulder seasons.  Additionally, I am seriously looking at a cruise in Iceland, a cruise through the Panama Canal, and a Transatlantic crossing on the Queen Mary 2.  It's not practical to take more than one of these cruises in any one calendar year.  I'd like to take the Panama Canal cruise in 2025, as I expect that global warming will affect water levels in the Canal Zone. I can see us going to either Alaska or Iceland in 2026.  If we push the calendar into tracking 2027 cruises, I'll add a Hawaii cruise (or two) to this list.  Checking off bucket list destinations can get quite expensive, and I want to make sure that RQS enjoys the trips as much as I will.

- - - - - -


You'll note that we've also talked about river cruises.  These will cost even more than the ocean cruises we've been taking lately.  So instead, we might end up choosing to visit a city/region and exploring it for a week or so.  One of the places we've talked about going to is San Francisco before it implodes.  (A city that loses its tax base will soon neglect essential public safety and social services, and will be as crime ridden as New York was in the 1980's.)  Ideally, we'll find a place where I can go as Marian and both of our Texas friends would be willing to visit with us.  If not, we'll explore it on our own.  On our list of cities to explore are Seattle, New Orleans, Boston, Philadelphia and Washington, DC.  (DC is always fun to visit, and it's a place where I've gone as Mario and as Marian.)

As you can see, travel is high on my list of things to do.  And I hope to do as much as possible while I'm healthy enough to do so.









Saturday, November 25, 2023

I went in for an Oil Change and got a whole lot more.

 


Today, I had an appointment to bring my car to Mavis for a simple tire rotation and oil change.  Unfortunately, my visit cost a bit more than expected, and will still need me to visit them again tomorrow....

- - - - - -

Around 2 pm, I drove over to Mavis, expecting that I would only need to have my oil changed and tires rotated.  Unfortunately, I know that when the service manager brings you into the service area to show you a couple of problems, that I will always end up spending much more than planned on the visit.  Today, I was shown a nail that punctured the tire without allowing air to leak.  (Thankfully, I had road hazard coverage to reduce what I paid for a tire replacement.) Then, he showed me a valve stem that needed to be replaced.  The problem was that it has a tire pressure monitor attached, so the whole thing would need replacement.  About $320 later, my car left Mavis, only to need a scheduled return visit.

Once I left Mavis, I decided to go to Trader Joe's to pick up some food.  While on the way, the TPMS  idiot light went on - when it should usually be turning itself off.  So I completed my shopping trip and drove home to take care of some business.  I was no longer in any mood to go out again, so I called Mavis and explained the situation - and was told to come back tomorrow.

Later on, before I went out for the evening, I found out that one valve stem had a hard to remove stem cover (it was made of metal instead of plastic).  So I removed it with the help of a pair of pliers (hoping it's OK), and tested my tires' air pressure.  I think that they over inflated ALL of my tires.  So this is something I'll mention when I go back to Mavis.

If I'm right, the mechanic working on my car got a little bit sloppy and lost track of what he was doing.  If so, we'll find out tomorrow morning.  Now to change into Marian mode and spend the evening with some friends....

 

 

PS: The next day, I had to bring the car back twice.  Mavis said the left rear tire was a little low on air, and this stopped the TPMS light from turning on again for 20 minutes.  As soon as it came back on, I immediately returned to Mavis, where they did a complete reset of the TPMS system, and took the car out for a test drive. Hopefully, the problem has been resolved for the last time.

Wednesday, April 19, 2023

RQS is warming up to a cruise with me dressed to the nines

 


The other day, RQS was going through her closet to find clothing that might be appropriate to wear on a cruise's formal nights.  She found a glittery red jacket that she could wear with a black dress.  And then she found an outfit similar to that I am wearing in the above photo. I joked that we both should wear these outfits on an upcoming cruise (not one we have already booked), and she didn't run away from me.  Instead, she found the idea quite interesting.

To be serious, I do not wish to plan a cruise with RQS, just so that we can be together with me presenting as Marian.  But I do want to go on cruises with me as Marian, and have RQS come along with me.  There is a difference.  In the first case, the cruise is used as a venue to dress up.  In the second case, we're going on the cruise anyway, so why not dress up?  I have a couple of ideas for cruises where it makes sense for me to be presenting myself as Marian.  And one of them would be much more fun with me in Marian mode, as I look much better in formal women's wear than in formal men's wear. (And no, I do not intend to show a picture of me as Mario right now.)  But if I'm going to do that trip, I will need to lose another 50 lbs. before doing so - I want to look pretty in those pictures.

Right now, RQS and I are finalizing plans to take a trip to the Windy City in the fall.  Knowing where we stand with our finances is the key to taking this trip.  For taking our cruises, it will be an even greater expense to plan for, as each cruise will likely set us back over $2,000pp, with one of them being in the $6,000+pp range if we can afford it.  So traveling as Marian takes a back seat to getting the most value out of each trip - as I want RQS to enjoy the trip as much as I do.


Saturday, April 8, 2023

Booking a trip with RQS as Marian

 

Last night, RQS and I decided to drop the hammer and book our first trip together with me presenting as Marian for the entire trip.  This will be another test of our relationship, as she has never spent more than 2 or 3 days together with me when presenting as a female.  And, if all goes right, we will meet up with two friends of mine from Texas for a Girls' Weekend.

I'll admit that I am a little bit hesitant about booking this trip, as it will be the 4th trip we've booked for this year, and I'm a little concerned about spending beyond our means to explore the world.  I'm also a little bit nervous about meeting my friends from Texas, even though they know that I am transgender.  But then, I've always been a little bit of a worry-wort when it comes to spending money at times.

This will be a trip that I can do with just a carry-on bag and a personal item.  I figure that we'll stay in Chicago for a slightly extended long weekend, while the girls will leave the day before us.  This way, we will have some time for ourselves to relax before flying home.  If I've planned things correctly, we'll have been able to spend a long weekend together in a big city for under $1,000/pp.   The big question is: If I've priced out a 3 night stay with air from Dallas, will either (or both) of the 2 ladies be able to afford the trip?  If not, then RQS and I will have a great weekend away from home.  Either way, we should have a great time away from home!

ps: The trip is now booked, and one of my two Texas friends has already booked her trip.  I can't wait for this trip to begin!

pps: It's been over a week and a half now, and the second Texas friend has not yet booked her trip.  I wonder when or if she will do so.  Hopefully soon.


Wednesday, January 11, 2023

I'm trying to figure a way to travel often as a couple

 

I should have taken out the barrette and used a darker shade of lipstick before having this picture taken.  But it reflects the imperfections one lives with when traveling - one can't bring a full makeup kit along on a cruise and have room for other things that are needed even more.

- - - - - -

RQS and I have been trying to figure out a way for us to take another cruise that fills two requirements: (1) To allow me to meet with my 90 y/o uncle in Los Angeles, and (2) To allow RQS to meet with her cousin in San Diego.  There are not many options that fit both requirements, but I recently found one that does.  

The cruise I found is a 7 day round trip cruise out of Los Angeles that goes to San Francisco, then Monterrey, San Diego, and Ensenada, MX before returning to Los Angeles.  The drawback?  The airfare may be almost as expensive as the cruise.  RQS can't justify spending money for her share of a trip to DC, a California coastal cruise in the Spring, and a Bermuda cruise in late Autumn.  I don't want to travel without her, but I might do so in order to see my uncle while he's "vertical."

Assuming that I take this 7 day cruise instead of the 15 day Panama Canal cruise I once looked at, I might decide to take it in Marian Mode.  But I'd need to travel to and from LA as Mario, so that I have the freedom to meet my uncle in the way he knows me.  Otherwise, I'd do the whole trip as Mario.  And that would depress me.

So, what would you do in my shoes?  Any suggestions?


Wednesday, December 14, 2022

I "won" the bid for an upgrade - just another expense among many.


When I booked my cruise/tour with  NCL, I wanted to spend as little money as I needed to spend for a "bucket list" trip.  In this case, I paid for a city view room to stay in when in town, and an inside cabin to stay in when on the ship.  Since there was an almost $2400 difference between the price of a balcony cabin and an inside cabin, I figured that the money I saved would more than pay for the shore excursions I planned to take.  So, when I received an offer to bid on a cabin upgrade, I figured that I'd bid as low as possible and hope that NCL would accept the bid.

Normally, getting an upgrade to a balcony cabin would be a bargain for $220 (total).  In my case, I knew enough to bid low, as the ship is sailing well below 100% capacity due to staffing issues.  Given the ship's layout, I figured that I would get a room near the pool or buffet - and I was right.  Since my upcoming Hawaii cruise is not one known for late night partying, I figured that having a "winning" bid and being assigned a cabin upgrade in a non-optimal area of the ship would be an acceptable trade off.  Only time will tell whether I was right or wrong on bidding for the upgrade. 

Right now, I am packing and unpacking things to find an optimal grouping of items in my carry-on and my larger suitcase.  So far, so good.  The one main compromise I've had to make is that I've put my swimsuit and swim forms in my large suitcase (which will be checked at the airport).  This means that if the bag gets lost in transit, I will not be able to go swimming until it is found.

The big issue I have is finding a day use hotel to rest at when the cruise ends, as I have a 12 hour wait from the time we leave the cruise ship to the time I need to be at the airport.  (Who wants to spend 12 hours at an airport doing nothing?)  So far, I've found several expensive options, and I figure that I'll call a few places directly to make sure I'm connecting to a real brick and mortar place.

Not to blame anyone, but it feels that every way I turn, I find that the logistics of this cruise keeps needing new cash infusions.  For the 3 days I am touring Honolulu, I will have to take care of my own meals.  And then, there will be the tips I pay on land and on the cruise.  Although I paid for a transfer from cruise ship to the airport, I will skip it to catch a cab to a day use hotel to sleep for a while.  Around 7 pm, I plan to leave the hotel, take a shuttle to the airport, and catch the "red eye" back home.  This hotel will likely cost me $200, plus the money for a cab from the pier to the hotel, and a cab to the airport.  

As I keep reminding myself, this is a bucket list trip - a very big item on that list.

 

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