Looking back at a long Christmas Weekend

 

RQS and I have talked about going to church together for a while.  With her, I think it's a form of curiosity about where I came from, and with me, it's a form of gaining comfort from old rituals from childhood.  So I was pleasantly surprised when she said "Yes" to going to Christmas Eve services.

But first....

It's been a while since I've been to RQS's place, so it was my turn to go to her place on Friday. Considering the frigid weather we were expecting, I didn't want to leave my car at Cortlandt station and have the engine fail to turn over when we got back there on Saturday.  The weather made my mind up for me - take a cab to Croton Harmon, and then take the train into NYC from there.  As usual, getting a cab wasn't as easy as it was before the pandemic, as no one was answering the cab service's main number.  I was lucky to find an alternate number, and then get my ride to the station.

Once at Croton Harmon, I found that I missed my train. There was a lady sitting next to me, and I chatted her up to kill time.  Seems like her Amtrak train to NYP was delayed for several hours, and that she was stuck waiting for it, as she had a linked connection to Boston.  If she took Metro North to GCT, then the subway to NYP, her second trip would be cancelled.  Hopefully, her daughter was able to make the itinerary change for her, as waiting for the tracks to get cleared between Poughkeepsie and Peekskill might take several hours more.

On the way to NYC, I saw the above "ship," and was unable to identify its purpose.  A couple of people identified it as a dredge.  But why is it being held above the water line?  Do any of my readers have an idea of what this is?

It's always a pain taking the subway to RQS's neighborhood, and on this trip it was no different.  When I got off the subway to take the bus to her place.  Boy, did I hate standing in the sub-freezing weather for the bus.  Once there, it was in for the night, and dinner came from a neighborhood pizza parlor.

- - - - - -

The next day, we trekked back up to my place, so that I could pick up a cheesecake from a local bakery. It was a much nicer trip going North, than it was going South.  However, I still had a minor problem getting a taxi to take us home to drop off our bags.  Usually, there is at least one cab waiting at Croton Harmon when trains come in.  This time, we had to wait about 20 minutes - and then, the driver had car problems.  AARGH!

Our next stop, after a pause for a bio-break was Homestyle Desserts in Peekskill for the Cheesecake.  This place has been here longer than I've lived in the area, and it is still going strong.  I was glad not to have left the car at the train station, as I had to clean ice off the car before driving it the 5  miles to the bakery.  After a quick stop at the bakery, then a stop at the local supermarket, we were home for a couple of hours.  Although it was tempting to stay warm and stay home, I changed into Marian mode and we went to church together.

People at the church know me only as Marian, and that's how I want them to know me.  I present as a tall, heavy 65 y/o woman, and want to be treated as such.  RQS was pleasantly surprised that this church experience was very similar to that she experienced as a child.  I chuckled that my mother would have mixed feelings about me going to church as Marian - she'd be glad to see me in a church, but be perplexed to see me as Marian.

- - - - - -

Christmas was special - this was the first one that RQS and I spent together, and the first one that she spent with my family.  After opening our gifts at home, we got ready to go to Long Island to my brother's place.  (I'm always in Mario mode for that.)  On the way down, I picked up a last minute gift for my step nephew.  None of us think much of him, as he's wasted his life.  But it would be a shame NOT to include him in the gift giving that took place that day.  (Thank god for Dunkin Donuts' gift cards and for CVS being open on Xmas.)  Traffic moved quickly, and we were at my brother's place in 90 minutes.  The gift exchange took place shortly after we arrived, and my brother gave me a gift for which I'll have a hard time finding a place - the Marx Brothers' Movie Poster (reproduction) above.  He loves finding things on action sites, and I'm pretty sure that he knew of my love for the Marxes' movies.  

We were at my brother's place for a few hours, and made plans to see my niece and her husband in NYC this week.  It'll be nice to see them again without other family members being present, and it will be nice for RQS to get to know them better.

- - - - - -

Boxing Day was one of relaxation.  However, we decided to make an unannounced run to Pat's place to take her out to dinner.  As usual, things aren't always as expected when seeing her.  She has latched onto the one available man at the care facility, and made sure to invite him to dine with us.  So RQS and I cleaned out my car to make the back seats available for 2 passengers, then met them at her place.  Pat suggested that we eat at a place that I was unprepared to pay for.  (I could afford pizza and beer for 4 people, but not a white linen tablecloth dinner for 4.)  So I headed to a local pizza parlor (not the place she wanted) and we had a nice dinner for a very affordable price.

After dropping Pat and her friend back at her place, it was time to go home.  As usual, the Tappan Zee was jammed, so we crossed at Bear Mountain.  And then it was time for bed.....

I chatted with a financial advisor, and it wasn't a good fit.

 

People who read my former blog may remember my favorite "Bedspread."  This display of cash is what my former girlfriend won on one of her casino visits.  But why do I show this picture again?  Well, I chatted with a financial advisor, and we weren't on the same track.

- - - - - -

I'm not knocking what this advisor proposed.  My ideas of what I want to do with my money after my demise are not yet firmed up.  Do I want to leave the bulk of my assets to a charitable trust (and associated charity) yet to be set up?  Or, do I want to leave the bulk of my assets to my niece and nephew?

This is not the place to discuss details of my financial situation.  But I will say that I have enough money to retire comfortably - if I'm careful with my money.  In addition to my 401(k) which has to be tapped by the time I'm 72, I am already drawing on a pension, and I hope to inherit some money in the future.  (I don't count on that inheritance, and would be just as happy if what was left to my brother and I were only good memories of my benefactor.)  

But I digress....

I have a idea of setting up a scholarship fund which couldn't be touched for 50-70 years.  In that time, money should double 5-7 times.  If the latter, my original bequest to the fund should be worth 128 times what it is today.  (Let's ignore inflation for a moment.)  The problem - who would want to manage a trust for 50-70 years without tapping into its funds?  How do I provide for the transfer of control, so that trustees have guidance to select who would replace them over the "compounding years" over this trust? With the amount of money this scholarship trust could generate, I could help lift a small island nation out of poverty by providing the skill sets they might need to bring high skill jobs to that nation.

I want to provide for my brother's kids.  My niece is starting to do well.  But my nephew has not yet gotten into the most productive years of his career.  How much money do I want to leave to the "kids?" This is another question that needs to be answered.

Until I've figured this stuff out, I may just have to stand pat and do almost nothing for a while....

A grab bag of things to talk about.

 

I haven't been doing much as Marian these days.  It's not because I don't want to take the time to prepare myself to use my feminine presentation these days.  Instead, it's because the both the weather and the pandemic has reduced the number of opportunities I have to go outdoors. As a result, my "normal" tendency to shift to a nocturnal sleep pattern hasn't been arrested, and I found myself going to sleep "last night" around 8 am this morning.

- - - - - -

The ex girlfriend and I have had some limited email exchanges as of late.  After we aired out things, our recent communications have been friendly, but guarded.  I'm not sure of how much either of us can open up to each other given our past. But I will admit that I miss our old and frequent communication - does she miss it as well?  Neither of us should live in the past. But is there enough there for a good friendship?

- - - - - -

As I write this, my nephew and his girlfriend will be soon returning home to the "left coast".  They are both in their mid 20's, so I think that if they catch the virus, that they will survive it with only mild symptoms.  Even though the airline industry claims that their planes' HEPA filtered air is "safe", I have to be a little skeptical of their claims.  Now that I have my nephew's email address, I can touch base with him after he's back home.

- - - - - -

My friend Vicki has been very busy lately.  Today we had a short exchange of texts regarding a dress that interested me.  Given its price point and material quality, it fascinated me.  But we both agreed that it would drape poorly on me, and that it would be a waste of my money.  Other dresses looked like a better option for me.  But I think I still need to fill in the gaps in my wardrobe (tops, bottoms) more than just buying things for the sake of buying them.

Since Vicki has dropped a size, she'll be bring me some hand me downs to try on this week.  This gives me a strong incentive to clean up much of the clutter in my place, so that it won't be an embarrassment to me to have people over here again.

- - - - - -

2020 has been a very bad year for me, and I'm glad it's over for me.  I let my apartment go wild, and I need to clean up a lot of the clutter that has accumulated.  Every attempt to declutter things has only ended in disaster.  I guess it is the low grade depression being multiplied by being lonely that has affected me this way, and manifested itself in an excessively cluttered space.  So 2021 will be a year for me to work on this.

- - - - - -

I decided to make my kitchen look a little more comfortable than it has looked for the past 35 years.  I have a storage cabinet that stands on the floor and can provide extra counter space for work, or to place appliances.  Since my wife moved into the apartment, it has always been placed in a way to effectively narrow the entrance to the kitchen.  Simply moving the cabinet to stand against an adjacent wall had some benefits: (1) It forced me to clean up some of the garbage that has been hidden for years, (2) It opened up the kitchen and made it more inviting, and (3) It gave me more effective use of the space in the kitchen - it allowed me to move my vacuum sealer into a corner, while making it easier for me to access my toaster oven.   

Once I got this task started, I noticed years of gunk that had accumulated on the ceiling fan.  So, I took some paper towels and removed most of the gunk.  (I'll save a thorough cleaning for another day, as I'll want sunlight to get a better idea of how much work I need to do for that cleaning.)  And then, I realized that I had mixing bowls which had been stored on top of my cabinets which likely had 25 years of gunk on them.  Since it was a "you might as well" task, I decided to find a step stool and give each of these bowls a thorough cleaning before putting them back on the cabinets.  Once they dried, I put these bowls in large, clear plastic bags, so that the gunk will go on the bags, and not on the bowls.  (Note to myself: If I ever do a complete kitchen remodel, go with cabinets that reach the ceiling, so that kitchen gunk stays on the outside.)

- - - - - -

Parting with things is very hard for me, but I think I'm going to finally clean out my downstairs storage compartment.  While doing this, I plan to get rid of my vinyl collection.  There are over 600 albums in the collection, and I haven't played any of them in years.  There are boxes of books downstairs that I could also give away.  Until places are accepting books for charitable donations, I will have to wait to dispose of them.  I wonder what else is in my storage compartment that I can get rid of. 

Once I clean out the storage compartment, I will move most of my unused, seasonal wardrobe into the basement.  While I do this, I will ask Vicki what she thinks of each piece, and determine whether I should donate the clothing to charity, keep it for future use, or pitch it into the dumpster.  Most cisgender women do not have as large a wardrobe as I have, and I want to pare it down to pieces that I will use often, and on a regular basis.

- - - - - -

Every time I go in my freezer and do a deep dive, I always seem to find food which has been frozen for too long, and that has to be tossed into the dumpster.  As a result, I will develop a plan to minimize the opportunities for this to happen again, and then gradually use up the good food left in the freezer.  Once there is enough room in my freezer, I plan to start buying some pre-made meals again. I plan to finally cancel my Freshly subscription instead of resuming it.  In its place, I plan to go back to Top Chef Meals, and buy 10 meals at a time.  To do this, I need freezer space.  And it's a good time to start cooking the food I put in the freezer over the past year. I guess I'll learn how to cook a little, so that I don't have to cook that much.

- - - - - -

Since politics has been a major part of most people's lives as of late (and will be until Biden takes office), I'll be glad when each day's news focuses more on the usual murders, fires, car crashes, and other disasters that befall us, instead of what our current president has/has not done to create chaos in our lives. Should we need to worry because a president leaves town without signing a needed Covid relief bill?  No.  But this is typical of a sociopathic 7 year old in a 74 year old body. And I'm very tired of his tantrums, and want him gone from the news.

- - - - - -

I figure that's enough for now.  Yes, many of these items are things I've covered before.  But as long as they have some importance to me, I will keep mentioning them....

 

 

 

Now that we're past Christmas....

 

Yes, Santa is exhausted, and so was I after leaving my brother's place on Christmas.  Lately, I've been getting too little sleep, and slept later than I planned before going to see my brother for the day.

This year, I had my doubts about visiting my brother, as I am concerned about catching the virus. Considering everything, I decided to drive to Long Island to see him and his family. I was an hour later than planned, but just in time to eat.  As seems to have become a habit, my sister in law is being anti social, and only comes out of the bedroom for a few minutes before going back inside.  

It was nice to meet my nephew's girlfriend.  And when I said that I was originally planning on being in her area this year, my brother said that she comes from Seattle.  I said that I knew that, as I was going to mention a 21 day Panama Canal cruise that got canceled due to the virus.  It was a pleasant trip, but not much to say about it

 

It's hard to believe that after 30+ years, it may come to this.

Recently, I talked with my brother.  He has had a troubled marriage for a while.  Every time a major milestone in his life is about to happen, it seems as if his wife tries to sabotage things. The older they get, the worse the damage she cause to herself and to my brother.  He is at the breaking point, and is considering a legal action from which there is no return.

- - - - - -

About 31 years ago, my brother got married because his wife-to-be was slightly pregnant. (You can barely see her baby bump in their wedding pictures.)  From the beginning of their marriage, in retrospect one could see that they were sailing into stormy waters. There were the expected problems for a 25 year old man without a college degree on Long Island trying to make his way back then: jobs that didn't pay well enough to take care of his family, a career in a dead end industry, and real estate costs that were starting to go through the roof. But the worst problem was one that was not under his control - his wife's first son, his stepson.

My step-nephew is best described as a ne'er-do-well who got good at being a leech.  He is intellectually lazy, and his work ethic is less than nonexistent.  Even when given a job that paid well just to show up at the front door, he screwed that up.  He is an addict, and has hurt every one of his friends and family as a result of his addictions.  Every family member and friend who agreed to give him a place to live had to kick him out because he was stealing from them to feed his addictions.

During the course of their marriage, my sister in law developed her own addiction, and had to deal with the consequences of her actions.  Until recently, she was clean and sober for over a decade.  This is not an easy thing to do.  And then she took on the "responsibility" to house her eldest son again....

- - - - - -

You'll note that I have glossed over a lot of details.  If I stated too much, a casual reader might be able to identify my brother's family - and I want to respect his privacy.

This summer, GFJ and I went to a small gathering at my brother's place, and my sister in law did not show her face all day.  Supposedly, she was feeling sick, and needed to stay in bed.  With what I know now, I'd bet that she was nursing a hangover.

A few weeks ago, I'm visiting my dad in the nursing home and he tells me that there was trouble between my brother and his wife.  When I saw my brother afterwards, he opens up to me and says the same thing and more.  He's in a position where a divorce would ruin them both financially, and he's trying to avoid it.

My sister in law's addiction resulted in familial problems that have scarred my brother and his two children. In talking with my brother and my niece (in separate conversations), I have found that the love of a man for his wife and the love of a daughter for her mother has effectively been snuffed out.  My brother planned to do the "until death do us part" thing, because it was the right thing to do. And later on, he planned to do it, so that both he and his wife could avoid financial disaster.  My nephew went to the other side of the continent to escape his parents.  And my niece's choice of husband may have been a conscious way to live as far away from the fighting going on in the family homestead.  But now, I doubt the marriage will last more than another year or two.

- - - - - -

Divorce in late middle age is not something to be done on a whim.  GFJ knows this from her divorce settlement.  There was enough money saved and property owned to take care of 2 people together as they grew old.  But divided, those assets would provide for a less comfortable existence for each of the former partners. GFJ's financial status will likely be a concern for the rest of her life.  So when my brother mentioned divorce as a serious option, I knew that he was close to his breaking point.

My sister in law is destroying herself, and will take my brother down with her if he lets it happen.  I'll be there for my brother no matter what happens.  But I can't help but feel sad for my sister in law - her maternal instincts got in the way of her sobriety.  As for my step-nephew, he's a person better lost than found - and may he stay that way forever.

I'm thinking about a Panama Canal Cruise, but can I afford it?

I have been salivating, considering breaking open my 401k a little to take this cruise.  If my balance breaks a certain level and stays there for a while, I may just withdraw enough cash to pay for this cruise (and the taxes on the withdrawal itself) to take this once in a lifetime cruise.

- - - - - -

So far, the people in my life are encouraging me to take this cruise.  I'd be away from home over 3 weeks, as I'd want to do some sightseeing in Seattle before going home.  Doing incomplete research (JetBlue prices for the return trip aren't posted yet), I figure that I should budget at least $4,000 for the trip, broken down as follows:

• Base Fare          - $2298 (includes $1149 single supplement)
• Port Fees/Taxes -     543
• Gratuities           -     315
  -----------------------------
  Simple Cruise    - $3360
   
• Trip to NYC Pier -     60
•  from Seattle Pier -     40
  ------------------------------
  Simple land cost  -    100
• Airfare (SEA-JFK) - 250
• Trip JFK to Home   -  60
  ------------------------------
  Minimum Cost    - $3870

Of course, this cruise will cost more than that.  Add on a few shore excursions, a day or two in Seattle, souvenirs, and miscellaneous onboard expenses (such as drinks and laundry), and one will likely hit the $4500 price point for the trip.

If I don't take this trip next year, there may be another cruise I could go on.  A similar cruise to this one would have left NYC in January 2020, and deposited me in San Francisco.  This cruise was discounted last year, and it would cost me only $100 less than the cruise taking me to Seattle.

Ideally, the person who told me about this cruise would be on it.  However, she will be with her parents, as her mom is scheduled to have an eye operation then. (In Canada, they ration healthcare by forcing people to wait for non-essential healthcare procedures.  We ration healthcare by use of an irrational pricing and insurance structure.)  So she will not be able to take this cruise with her parents until 2021. 

Another consideration for this cruise is that it would be criminal of me to take this cruise, disembark in Seattle, and NOT see my nephew.  This means that I'd need to take one male outfit with me, so that I could see him shortly after I arrive.  (But where would I change clothes and remove my makeup and wig?)  Luckily, I'd be seeing him in less than 2 weeks, as my niece will be married in NYC towards the end of May.

- - - - - -

If I do take this cruise, I will need to hold my mail for almost a month and pay virtually all my bills in advance.  Can I afford this kind of hit to my pocketbook?  I'm not sure.  One expense that would go way down is food - I'd be able to skip buying anything to eat for almost a month.  There would be no Mickey D's, no diners, and no special dinners with friends. If I average $30/day on these expenses, I'd save about $210.  <mumbling "Big fat hairy deal."> So, my costs still remain in the $4000 - $4500 range.

Do I really want to take this trip?   Or, do I find a way to do a Hawaii cruise instead?




Note: As of 11/20/19, the price for the cruise has dropped $100/pp - a $200 savings for me.