Caught in-between the holidays

 

This past Friday (12/22/23 - as I write this), I put in a phone call to the custodian of my 401k to take a distribution.  I thought everything went well, even though I was on an IVR (Interactive Voice Response) system, as I arranged to take a 401k distribution.  Well, this evening, I found that nothing has gone through yet.  Since this money needs to be distributed before year-end, as not to screw up my tax status for next year, I will need to make another call in the morning and try to reach a human.

I hate IVR systems, but see their value.  Yet, I find that my needs are rarely dealt with properly by these systems.  For example, when I last took a distribution, I made sure that I took out extra money for both Federal and State taxes.  This time, going through the IVR, I could do this for the Federal taxes, but not for the State taxes - I had to guesstimate them, and then include them as a fixed figure.  AARGH!  Things will be much worse next year, as I will need to figure out the total for both Federal and State taxes, and manually enter the amounts to be taken out of my corporate pension to compensate for Social Security issues.  To make things worse, my accountant has retired, and I will need to find someone new before I file my returns for t/y 2023.  

With all this being said, these are first world problems.  I have the resources to take care of things, and will likely consider doing a trustee to trustee transfer of my 401k funds, so that I have more control over them, including tax withholding.

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Why am I mentioning this here now?

Well, I usually have a lot of things to take care of at year end.  A little bit of financial confusion is just a little more stress to add to my life - but a stress that I'm lucky to have compared with many people I know.  For example, one of my acquaintances has not had good health lately.  His relationship with his on/off girlfriend leaves much to be desired.  And his employment record makes him a high risk hire.  He will never escape the claws of defeat.  There are others I know that have been in worse shape than this acquaintance.  So I am grateful to have my set of problems than that of someone else.

Now, I can talk about Christmas Eve and Christmas Day

 

Yes, I know that you'll be reading this post two weeks after the holiday.  But then, I don't want to announce to my readers where I am until after I've returned home.  The above picture was taken on a cruise I took in December, and didn't write about until I returned.

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RQS came up for Xmas weekend on Friday, and we went out for a bite to eat at the local diner shortly after she arrived.  Once we got home, I took care of a financial issue that had to be dealt with before the holiday, and then we went out to buy a gift for TCL and Pat (my former hypnotist), both of whom I'd be seeing on Xmas day. Saturday came, and we had nothing on the docket.  However, I decided to visit a friend who had a pop-up store nearby, and chatted with him for an hour before returning home.  As one could tell, the opening of the weekend would not be that busy for us.

Christmas eve came, and this meant that both of us would get dressed up to dine at Crabtree's Kittle House.  This restaurant is a place that many get dressed up for, and we fit in well with the place as we were dressed to the eights. (It's also a place where special meals run over $100 per, before drinks are included - but it's worth every penny.) I had the gnocchi as my appetizer, while RQS had the lobster bisque. RQS's first thought was that it looked just as appetizing as the lobster bisque in NCL's Le Bistro or Cagney's restaurants. And she was just as happy finishing everything in the bowl. For the main course, I chose the short ribs while RQS chose the salmon for our main courses, and we were well sated by the time dessert came.  And again, we chose different things.  I went for the heath bar cheesecake, while she went for the Boche de Noel.  At the end of the meal, we were sated and unable to think about food until the next morning.

Both of us took our time in getting moving on Christmas day, and didn't bother getting dressed until 3 pm.  By the time we got out the door, we were running late to see Pat - and didn't get there until 5 pm.  She was very happy to see us, and we all thought our visit had to end too soon.  About 5:45, we drove over to TCL's place to pick her up for dinner.  Although we were late, we had no problem getting a seat at a local Chinese restaurant, where we became "Honorary Jews for Christmas".  (See this article for more background.)  We all had the standard Chinese entrees, and I treated TCL to a belated birthday dinner.

Again, we ended up parting way too soon, and went home for the evening.  In the end, this was a nice way to spend Christmas weekend.....

Happy Elvis Day!

 

No, I am not a big Elvis fan.  Yet, I enjoy most of his music.  It's a shame that his life was cut short by excess.  But this post is not going to be about Elvis, other than it will be public on the anniversary of his birthday.

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Most of my readers know that I write things one day and publish them around 2 weeks later.  I do this, so that I can travel and not let people I'm away from the house until I've returned home.  This means that I rarely post on cruise-specific travel forums, as I don't want thieves to have the knowledge that I'll be away for a given period of time.  However, I just left the following post (from a different blog I occasionally write for people new to cruising) covering the cruise I took on December 9-16.

MSC Meraviglia - Florida and Bahamas Cruise (12/09/23 - 12/16/24)

It's written differently from the journal of the trip covered in successive entries in this transgender related blog, as no mention is given to any transgender issues.  Shortly after posting, I got a lot of people reading the blog, as it was of interest to a wider group of people.

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Why do I mention the unexpected popularity of my other blog?   Simple.  It's to remind our community that we are small and not on the minds of most people.  We are under attack by many,  But most people are inclined to let us be, as I was on this cruise.  I simply blended in to what people were expecting from a fat 66 y/o woman.  And for most of us, that's what we want - to be treated with the respect normally shown to a person of our identified genders.

We must not forget that we are under attack from some quarters.  When my ship made an unplanned stop in Miami, I refuse to spend any time or money helping the economy of that state as long as that homophobe/transphobe governor is in office.  (Yes, I broke down and spent $2.00 on some soda, as I was thirsty.)   I'm not as self righteous as I was practical - why take any last minute shore excursions in the rain?  If I have to pass through Florida, I will spend some money there.  But I won't plan a vacation that involves me staying there, save to visit a friend or to visit family.

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I've said before that living as a transgender person has a lot of mundane issues that are common to most people.  When I see transgender people like Danica Roem get elected to office, they don't focus on being different, save that they will do more for their constituents than their opposition.  We are part of a larger society. Maybe our goals of acceptance from the larger society should focus on how much alike we are to the rest of society instead of focusing on our differences....

And now for a word from our sponsor....

 

As I write this, Donald Trump is still the presumptive GOP nominee for the 2024 presidential election.  By the time you read this, the US Supreme court will likely have ruled on Colorado's judgement that he participated in an insurrection against the government of the United States, and is ineligible to be on the state's GOP primary ballot. I support Colorado's court action, as the closest to the White House that Trump ever should be is as a protestor in Lafayette Park. Sadly, the violence his words provoke in the lunatics that support him has already started: The justices on Colorado's court are already getting death threats. 

But what does this mean to the average transgender person?

The MAGA mob is like a large group of bovines being stampeded.  They want to live in their ideal world: the America of the 1950's , a fantasy which would be a dystopia for us.  The LGBT community would be persecuted, the black community would again suffer under Jim Crow (separate and unequal), and all other non-white and non-Christian peoples would be silenced.  And even if this happened, things would get worse.  Governments under strongman regimes eventually fail - and usually disastrous for the people who live under those regimes.

Political pundits are saying that the US Supreme Court should duck the issue and overrule the Colorado Supreme Court in the narrowest of ways, allowing Trump to be on the primary ballot and preserving the armistice between the MAGA mob and civilized Americans. I think this would be a big mistake, as the MAGA mob is intimidating the "sane" members of the GOP, forcing them to leave their party.  Instead, the US Supreme Court (SCOTUS) should take the issue head on and rule against Trump, saying that the 14th amendment is self effecting.  If a state says that Trump is an insurrectionist, then he is ineligible to be on the ballot and ineligible to serve in any public office.  This would give the non-MAGA GOP members cover to nominate people other than those from the MAGA mob to public office AND give the party a chance to be a national party again, instead of one that has support mostly in rural areas.

If SCOTUS were to rule in favor of the traditional GOP loyalists that brought this suit, I expect no less than a 5-4 ruling in favor of keeping Trump off the ballot.  (I have my doubts on Justice Thomas and the 3 Trump nominated members.)  I will be very surprised if it is a 9-0 ruling.  The Colorado court's ruling was written in a way that justices Kavanaugh and Roberts would be hamstrung in trying to overturn their ruling. 

However, I expect that SCOTUS will duck the issue and hope that they don't have to rule on this issue again.  They may feel that given the political polarization we have today, that it may be wiser to let the people make their decision at the ballot box.  But this would be the wrong decision to make, as the constitution prohibits Trump, and the ex-Confederate officers before him from holding office.  If he wants relief, it may only be given by congress, where 33 &1/3% is elected to the Senate and 100% is elected to the House on election day.  Since the new congress takes office before the president, they could rehabilitate Trump if elected, but unable to take office on January 20th.  But then, MAGA people do not believe in elections that do not deliver the results they want....

 

An unexpected gift....

 

As my readers know, I enjoy cruising, both alone and with a companion.  But cruising can get expensive, especially when one wants to take bucket list trips such as cruising the Norwegian Fjords.  So I was pleasantly surprised to find that because I qualified for Social Security survivor benefits (I was married for 11 years, and was widowed at the age of 39), that I could get a payout on my late wife's account before converting the payments to come from my account.

Today, I received the survivor benefit payout, and I can now afford to take a cruise out of Los Angeles in the Spring.  Hopefully, I'll be able to visit my uncle before this cruise, as he doesn't have many years to go on this planet, and I want to see him while he's still (sort of) vertical.

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Now, the big question is: Where do I want to cruise to?  I can easily afford a 7-day California Coastal cruise.  And I can afford a 15-day Hawaii cruise.  But which one makes more sense?  That's the question I must answer soon, as I will miss having RQS with me even more if I were to take the longer trip.

The work looks done ...and none too soon

 

Although the photo quality isn't great, the retaining wall looks great this morning.  Why is this important? Over the years I've lived here, this wall was constructed and then failed.  My co-op needed to repair it, and I was one of the loudest advocates for this repair.  The repairs were finally completed while I was on my cruise.

Why is this important?

Given retaining wall failures which have affected the commuter rail line I live near, the last thing I want to see is a preventable landslide which could either destabilize our building, negatively affect downhill neighbors, or both problems.  

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As I've noted in the past, I live in a naturally occurring retirement community (for many of us long term residents), as apartment ownership has proven the best investment for our needs.  We know that someone else has to take care of the property, and that we can reside in the apartment as long as we are able to pay the maintenance.  (I won't get into other issues for leaving in this discussion.)  And that's where the problem lies.  Most of us, myself included, live on fixed incomes.  Older people usually have fewer resources to draw on, and are least likely to afford maintenance hikes or property assessments. 

Most co-op boards have to balance the needs of their shareholders.  Do we raise maintenance charges, knowing it might be a hardship for some?  Do we apply an assessment for needed repairs, as we did when we had to replace our windows many years ago?  Do we defer maintenance, so that we don't have too many bills being presented to the co-op at once?  There are so many things a co-op board must address, and there is no way we can make everyone happy.

I am lucky to have the resources to pay my bills (and a little bit more).  Many others are not.  The position a co-op board member has to take is similar to being a fiduciary - one must act in the best interest of the client, and not of his firm.  In my case, my responsibility is to the health of the co-op, and not any one individual member - including myself.  That's why I pushed for repairing the retaining wall as much as I did.  And now it's done... 

Florida-Bahamas Cruise 2023 - Day 8 - Debarkation & Cruise Thoughts

 

We're finally home!  As much as I enjoyed being by myself for a week, I missed having RQS by my side and couldn't wait to meet her at Grand Central.  

But first things first....

I didn't much get sleep, and I ended up watching the ship's virtual porthole TV channel as the ship was about to go under the Verrazano Narrows Bridge around 4:30 am.  Although I tried to rest a little more, I was unable to do so and proceeded to get ready for the day.  After showering, making up my face, and getting dressed for the last time while on the ship, I packed up all my gear, double checked that I was leaving nothing in the room, and left my cabin for the last time around 7:00 am. Then, it was off to my last breakfast on the ship, where I was seated next to a couple who drove to the pier from Canada.  (I can only imagine what their drive home will be like.)  We struck up a conversation and found out that they had similar feelings to mine in regard to this cruise.  All too soon, they had to leave, and I finished my breakfast at a leisurely pace.

Unfortunately, I couldn't stall things any longer, and proceeded to an area where I could sit and kill a couple of hours - the main dining room.  Although it was a staging area for people who needed assistance in leaving the ship, I was welcome to hang out there as the buffet area upstairs was already mobbed with people trying to get their last ship board meal.  

Around 9:30-9:45 am, my group number was called, and I finally got off the ship.  Although it was a long walk to the baggage claim area, my suitcase was waiting for me there.  Since we cleared customs while in Miami, there was no reason to stop for an ID check when debarking at Brooklyn.  So I took another long walk with my luggage to the ferry, walking through slow moving people and around vehicles picking up passengers for their rides home.  Unfortunately, I just missed the ferry as it was leaving the dock, and I had to kill an hour before the next ferry came.

Around 10:35 am, the ferry came, and I was off to Grand Central.  I texted RQS to let her know that I'd be in Manhattan by 11:00 am, and would likely be at Grand Central's waiting room by 12:30 pm. Instead of walking to the subway station on Wall Street, I decided to do a shoreline walk to South Ferry.  It was a nice day, and I could use the exercise. So, after 15 minutes or so, I caught a uptown bound train and made it to Grand Central ahead of time. 

As I got to the waiting area, I noticed that the women's room line was out the door.  Winter tourist season had begun, and Grand Central was much busier than usual.  After taking care of business, I picked up a sandwich downstairs and proceed to wait for RQS.  It wasn't a long wait, as we were able to make the 12:23 train to Croton with a few minutes to spare.

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Would I take another cruise on MSC in the future?

I'm just as ambivalent on this as I was before taking the cruise?  MSC is a cruise line for "value oriented" (price conscious) cruisers.  If Carnival is the Walmart of cruise lines, then MSC is aiming to be the Target of cruise lines. Nothing shouted "Don't cruise with us again" or "I can't wait to cruise with you again."  Instead, everything said "I don't care if I cruise with MSC again or not."  Everything seemed to be a notch below that of other lines I've cruised with, save for the glitz in the public areas of the ship.  That was often over the top.

The other day, I watched a cruise Vlogger whose main gig is being a Travel Agent. One of her clients noted that they tried MSC and told her empathically that they would never cruise with MSC again.  Another said, "No, I will never cruise with MSC again," but was attracted to cruise with them twice because of MSC's low prices.  Yet, this travel agent wouldn't be honest with her viewers about this cruise line, trying not to say bad things about them, so that she could collect her fees when booking people on this line.

MSC provides decent value for the money spent for their cruises.  But I wouldn't expect a top notch experience unless one has spent the money to enjoy their Yacht Club experience.  (Like most cruisers, I can't afford that experience.)  It's a line I might cruise on again of the price and itinerary was right.  So far, I haven't seen any future cruises that would get me to take another cruise on this line.