September 28, 2011

Familial Childcare, Cultural Expectations and Assumptions

It was a family truism that when I finally had kids, “Grandma” was going to pay me back for every sin I committed as a youngun, even the ones I couldn’t remember, with 10% interest.

“Just wait until you have kids of your own,” she would mutter after I’d upset her, the dire threat implicit enough.  Sometimes she’d follow up with, “and if they’re not creative enough, I’ll tell them how you messed with me to start them off!”

She was going to get away with it, too, because she knew I wanted a career as much as she wanted grandkids. Since it wasn’t likely that I’d have a house-husband (though really, that’d be awesome), her babysitting availability was the best way to practically guarantee I’d be willing to take on that responsibility.

All joking aside, it was secretly a huge comfort to me knowing that my mom was fully committed to my future family and was excited about helping to care for them so that my spouse and I could work.

That was her dream plan for retirement: raising small children. Never let it be said that we understand how to relax in my family.

I had to, with much sadness, let go of that shared expectation and daydream some years ago when her health began its downward spiral.  And I’ll always be a little sad that the person who bore the standard for me won’t be there in mind or body, though always in spirit, for my children if I have them.

It wouldn’t be safe or right for me to leave  prospective children with my ailing mother in charge of them.  Certainly she’d want to visit with them, but that would always have to be supervised.  And so I haven’t really had the heart to think about that in a long while, until now.

In our culture, the idea that grandparents are available for long-term babysitting and practically take on the raising of the grandchildren is almost taken for granted.  It’s doesn’t always happen in cases where grandparents were less nurturing or too busy or the math doesn’t work out.  One set of grandparents to multiple sets of children and grandchildren requires a fair amount of logistics if everyone wants Grandma and Grandpa in residence.

But in general, there’s often a sense of expectation that first generation parents can rely on their parents for free childcare when the time comes to bring up the next generation.  Some of that expectation is fostered by the prospective grandparents, some of it spins out of the understanding that “that’s how we do it.”

*************

I’ve recently started hearing a mismatch of expectations in families and started thinking about what the cultural and societal norms are now.  If anything, my expectation was that more frequently, with the greater separation of families due to schools and jobs and kids moving further away, families would rely on technology to nuture relationships between generations.  I also supposed that ethnic grandparents would be disappointed by parents who didn’t necessarily want their Traditional Parents rearing the grandkids.

Instead, I’m seeing a combination of adherence to the traditional grandparents-as-babysitters paradigm, as well as a parallel track where the new grandparents don’t necessarily want the caretaking or the raising of their grandkids.  And the desire and trend toward more visitation-rights-only is more in line with what I’d expect from the American norm.

My maternal grandfather, for example, isn’t in the least bit interested in raising any of his seventeen grandchildren.  He prefers to bide in peace and visit.  His wife is all about the raising of them so she moves about, house to house, spending as much time as possible with the various nuclear families.  One of my aunties helped raise her grandchildren for a period of time but because her idea of discipline (strict) wasn’t aligned with her kids’ (let them run rampant), she declined to continue babysitting the hooligans (my description, not hers) after they became too much for her to handle.  As far as I know, the relevant family members found ways to manage their childcare without the grandparents in question.

My personal opinion is that if you have parents and family members who are willing to give of their time and energy to do your parenting, that’s an enormous gift.  But that’s a gift and that’s their choice. At the end of the day, your children were your choice to have, and your responsibility.

Of late, I’ve been hearing statements that strike me as less than gracious even though I come from a culture that actually does “expect” grandparents to substitute for new parents.  I’m hearing things that, perhaps especially as they begin to directly affect me and my health issues, are, I feel, less than considerate and it bothers me.

Stating “Well, the nanny learned how to do it!”, “it” being some part of the more specialized health care your child requires doesn’t sit right with me. In what ways does it make sense to suggest that a family member get equated with a trained-in-special-health-care, vetted, interviewed, and paid employee?

I can absolutely understand that parents want grandparents to be involved with the grandchildren, even highly involved.  You certainly want that bond to form and for any other important people to be part of your kids’ lives. But if the grandparents aren’t comfortable with fulfilling all the needs, particularly any specific or special needs, of the kids, does it not cross a line to insist that they take on those responsibilities?   What about other family members?  Are they also asking for a babysitting assignment when they want to spend time with your kids, regardless of their feelings or capabilities in the matter?

And for the health and proper care of your child: when should you simply know better than to ask if that is the case?

Again, I come from a cultural place where it’s normal to just assume that Grandma and/or Grandpa can and will help out.  Or will help out any way that they’re capable. So I would normally understand that, but at the same time, I come from a personal place where you take care of your own to the best of your ability first, so being taken for granted as free labor, particularly when my energy is so dear, strikes a few nerves.  It’s hard for me not to feel like I’m judging when I’m asking these questions but it seems rather inconsiderate. And even if it weren’t me being taken for granted, I think my head would still be tilted forty five degrees to one side, wondering.

While I do, on occasion, happily help certain friends with their kids, I’m either asked or offering a set amount of assistance within my abilities and energy levels.  They aren’t taking for granted that I’ll be available, and they’re making sure that they’re not putting me out or expending all my energy, or putting me in a difficult position by planning all their activities first and asking me last so that I feel guilty for ruining their plans if I have to say no.

I’m not a fan of this trend but I wonder if I’m the only one who sees this sort of thing.

::: Is there a prevalent assumption that family are fair game as childcare providers or is that coming from a dissonance when one of two parties doesn’t want to participate in the traditional exchange?  


::: Am I overcomplicating the question?  Is it just that there’s an assumption that it’s your familial duty to babysit if you are childless, no matter who you are, unless you’re a professed baby-hater like one of my girlfriends?  (She’s my example because while chatting with her, she pointed out that no one in their right mind would ask her to ‘sit, she’s made it plain she hates babies. She tolerates children.) 

September 19, 2011

Why (maybe) not babies, Part the Second

There were so many great and interesting comments left on my post about whether or not to have children that I had trouble responding to enough of them in the comments.  I appreciated everyone’s thoughts on their personal situations and decision-making.

I also had second, third and several other thoughts about whether or not to discuss one particular theme of the comments further, partly because there was a reason I left out some important, relevant information out: I didn’t necessarily want that to be the center of the post and I tend to leave that subject under wraps.

But it was an underlying theme of the comments because I left it out and it is relevant to the conversation because it’s a huge part of my life even if I do try to pretend that it’s not.  Like it or no, the physical limitation aspect of my life is a factor in every decision I make, every minute of every day.  And it’s not like I haven’t mentioned it once or twice before, so I’m not sure why I still instinctively try to sweep it under the rug like it’s not a big deal.

So, comments first:

@thecelt, you made me laugh out loud.  PRECISELY. There IS no “kinda-kid” out there.  So I want to know   for sure.  If I’m doing this, I’m committing!

@Sense: From the Mixed up Files was an absolute favorite.  Definitely fed the runaway fantasies. 😉

@MovingEast: I actually think through those cliches without feeling like they’re cliches… they are true. I see new parents experiencing the wonder of new kids in their lives and I love it.  And I see the decisions they have to make and learn from that too.  It’s not that I don’t think they’re worth it once you choose it, in the abstract.

@nicoleandmaggie:  He will have to be more than half the parent, I think, and that’s what I worry about. It’s got to be something we’re both willing to sacrifice for because I suspect (see below) it’s going to be excruciating in the beginning for me and then a huge commitment with most of the burden shifting to him.  Emotionally, I may have a lot of trouble with that.  For me. (Selfishly.  Whatever. Again, see below.)

@oilandgarlic:  No judgement on anyone else but I definitely want to know now because I don’t want to start in my mid-30’s. For me, I feel like that would be waiting too long because of how my health has progressed.

*****

On the point where PiC and I have to talk this out: we do, when it comes to making the final decision.

I do only speak for myself on this blog and frequently leave his thoughts out of it because he doesn’t have any desire to be present here. (I’ve asked.) But that’s not to say he doesn’t know my concerns and worries, and he understands them.  The evolution of my feelings on the subject hasn’t been a secret to him.  

He’s not terribly concerned about our different feelings on the matter, we’ll figure it out together, he’s always known that we’ve been coming at this from different personal experiences.

*****

I live with something that’s long mimicked rheumatoid arthritis (or lupus) and fibromyalgia.  It’s neither of the first two so far as tests are concerned, but most of the symptoms match up.  It started out affecting just a few areas, umpteen years ago, but now it’s everywhere, and any combination of joints and muscles are usually at some level of pain akin to holding an open flame against that muscle or joint every single day.

I spent over fifteen years trying to get a diagnosis and the conclusion is only that I have chronic pain, which isn’t a diagnosis.  It’s only a conclusion and defines my experience: pain that doesn’t stop, that has lasted over six months, and doesn’t necessarily have a definitive origin.  Stress, being tired, lack of sleep all exacerbate the pain and pain causes all three in a feedback loop.  Awesome.  That was still better than the many years of idiot doctors telling me that it wasn’t possible for me to be feeling the kind of pain that I was feeling.

When it flares, I can be out of commission for hours, days, or weeks at a time. At the beginning of any flare, I won’t know what the damage will be or how long it’ll last.  Stress of the emotional or physical sort can start a flare. Energy is severely limited.  There are days typing on a keyboard, lifting a pen, or using a knife and a fork requires too much effort. I have to be incredibly selective about how much activity I commit to because if I push myself too hard these days?  Too much of anything can cause fatigue and pain that effectively destroys my ability to functions for days thereafter.

If you haven’t read it, the Spoon Theory describes the way someone living with this sort of thing has to rework life strategies.  And the Bloggess summed up how you feel during/after a flare pretty well.

So you might better understand my reluctance to head right into motherhood on the basis of physical limitations.  It’s more than just an age thing, it’s more than just a “normal” reluctance.  I’m starting from the knowledge that not only do I not have my once-vaunted capacity to power through any and all challenges anymore, I have to be very careful that I don’t step into, essentially, a lifelong landmine.  Bringing life into this world is a serious business and the last thing I want to do is make a hash of it because I don’t have it in me to carry through.

******

One way to make this work is to be financially stable enough to afford child care.  A lot of it. I don’t feel right about not raising my own children, but I’m not foolish enough to think that I could do a lot of the physical stuff on my own anymore. If we were earning enough that one of us could stay home with the kids, and also had some help with the kids to make up for my part, that could be one way to handle the situation.

Alternatively, I don’t have to bear our children.  Instead, we could do what I’ve always wanted to do: adopt.  That comes with its own risks, challenges and expenses but that’s an option I’ve always loved and saves at least the physical burden of pregnancy.

I’ve been concerned about that because, though childless, I help others with their kids a lot, and it wipes me out. Every. Single. Time.  That tells me that I’m not prepared for the physical challenges of pregnancy.  And as recounted by many many friends in stark honesty?  The fatigue, the internal upheaval, the damage to the body?  I am not prepared for that.

Ultimately, we have a lot to discuss and decide.  

September 15, 2011

Fastest Non-Refi Ever

Driving into work on Tuesday morning, I rang up ING Direct to see if we/PiC could take advantage of their Mortgage Blowout.

Their teaser rate was a 5-year fixed for 2.55% (2.606% APR).

They were also offering:

* Rate Renewal feature – If you qualify, you can relock your rate and extend your fixed rate period for another 5 years at the Easy Orange rate offered at that time – all for one payment which is equal to 2 of your bi-weekly payments (maximum payment of $5,000).
* No points or hidden fees
* Free bi-weekly payments – Pay down your mortgage faster with an extra payment each year.

We did a brief rundown on the building itself, the loan, and the most recently assessed value of the property.  It turns out that our/his loan to value ratio is still at 75% and ING is requiring a 65% LTV ratio so the highest loan they would offer at the moment is still $70k less than what we’d need to fully refi the loan.

For a crazy, crazy moment I seriously considered throwing some cash at the loan to make it happen but that only lasted a split second.  My old anti-debt Pay-It-DOWN instincts rearing up. You know how that goes.

We’ll pass for now but I’ll be keeping an eye on the whole mortgage situation now that we’re getting closer to merging finances and therefore getting closer to putting me in charge.

*ahem*

But c’mon. We all know that I’m going to be the CFO of this family even if I am learning to share.

August 23, 2011

Letting the Menfolk Handle It? An Examination of Gender Roles

PiC’s sold his car!

This brings down the total final cost of his/Doggle’s chariot to just about $3000.  (Give or take, I was … not listening to the registration cost update…. for some reason. “Husband/wife frequencies” have set in. For those not familiar with the phrase, I’m jokingly referring to the supposed phenomenon that people stop listening to their partners after marriage.  We really do fail to listen/hear each other because we’re not really paying attention but we just repeat later. Don’t worry, it’s just a running joke.)

It occurred to me, as I was walking the laundry to the bedroom and half listening to the whole sale process update, that I’ve become remarkably hands off with certain things. Then I wondered if I’m leaving those things that are typically left to the menfolk.

Thinking back a year or so to the back-home household, I did everything that I had time for no matter whose domain it might fall in:  Searching for grocery bargains/couponing, debt payoff, savings, investing, planning for the future, deciding when to buy, sell, fix and maintain the household vehicles, repairs around the house or arranging for them to happen: all the money, all the time, all my area.  There were certain tasks I delegated when I ran out of time, but nothing’s out of my territory.

But time is finite, things have to fall out to others and I had to start trusting that someone else could take the reins.  Sharing a household up north, I’ve stepped back to let PiC set the pace rather than just jumping in and doing everything.  There was no reason, and certainly it wouldn’t be sane, with another able-bodied and fully capable adult, to take on a second household’s responsibilities solo.

But we never really discussed who would do what, formally or directly.  We just did what needed to be done, day to day and month to month.   I started thinking about why it was that I left the car stuff to PiC. Was I just ceding the car stuff because it was a “guy thing”?

How do we divide our labor?  

We’ve trended toward the things we like best or doing the things that achieve the goals that are most important to us.

I enjoy cooking, cleaning as I go, and serving meals.  It’s a thing my dad and I enjoy doing but he always took the lion’s share of the responsibility since I worked more than 60 hour weeks.  Now with just the two of us, feeding ourselves isn’t really a choice and I’ve lucked out that PiC’s got an easy palate to please to boot. It also takes less out of me than vacuuming or washing floors if I’m not overly ambitious.

I love finances enough to overcome my reluctance to talk to people after a long day at work, but it’s really important to correct any financial charges or fees, and get the lowest plans so I do all the financial negotiations.

PiC loves Craigslist – I hate it. I don’t like browsing or using it. He loves Craigslisting, doesn’t mind dealing with people at all, and looooves looking at cars, specifically, and furniture.  So he’s our resident used things buyer. He also really loves a clean house, or needs it more than I need one in comparison to, say, rest, so he’s the vacuum and floors master.

He’s a great sous chef but he hates new recipes while I get bored with making the same food over and over so we try new things together occasionally but oftentimes I just take over the kitchen entirely.

Physical limitations come into play so that affects the division: I’m not hauling all the heaviest stuff upstairs, but I’m the fastest errand runner/grocery shopper and laundry folder ever.  And of course I’m the CFO-consultant (ahem, control freak) before any major decisions are made.  (Hi, Chariot.)

We split the laundry and the Doggle duties. I really enjoy laundry duty but we have different ideas on when it should be done. He prefers to do less frequent washing but it all comes out to the same amount of washing.  He catches just about all the Doggle walking, we share the Doggle bathing, but I do almost all the Doggle doctoring.  Fair?  Sort of. Each to their own strengths on that point – it’s because Doggle pulls like he’s in the freaking Iditarod much of the time and that’s rough.  Doesn’t mean I don’t do it, just that I do it less often.

At the end of the day, I can’t say that we don’t observe some gender biases.  I doubt they are specifically because of our sexes.  We weren’t taught to do certain things because we were born male or female, though my parents did decline to teach me how to play a guitar because I was too little to hold one.  We tend to play to our strengths and preferences according to our values.

*****
How are chores split in your family?  

August 8, 2011

Time, income and deciding to have children

I grew up on a steady diet of books like Margeret Sidney’s Five Little Peppers and How They Grew (available free on Project Gutenberg!), Gertrude Chandler Warner’s The Boxcar Children, and Louisa May Alcott’s Little Women.  (Also all the sci fi and fantasy I could get my hands on, but that’s irrelevant to this conversation.)  I wondered if I’d romanticize the notion of families and raising children under less than rosy circumstances as a result of that early brainwashing.

I do think families should pull together and do whatever needs to be done to get through tough times, and I do think families should take care of each other. Obviously. But econo-philosophically, I developed in my teenage years a much more “I will never be poor again!” determination a la Gone With the Wind than any willingness to try to lead the loving but impoverished lifestyle.

That’s not to say that I think money is the answer to a good childhood or a happy home life. I grew up poor, as a first generation immigrant kid.  My parents arrived on these shores with nothing but the clothes on their back and a babe in their arms. But we were, in my opinion, still relatively well off: we didn’t have to beg, dig through bins for leavings to put food on the table.  Mom and Dad found just enough opportunity to work incredibly hard, and we kids pitched in as well, we used hand me downs and didn’t shop new until I was a teenager so our basic needs were always filled.  But we did live on the edge of poor, spiral-dancing that line between not having much and poverty.

And we can’t deny that money is one of the major factors that may have significant impact on the outcomes of a child’s life.  While I suspect that much of my sibling’s manipulative and attentive seeking behaviors were natural, I did also see that he was quite affected by having less than others, and not having our parents around enough during those formative years to instill the sense of confidence and gratitude for what we did have certainly didn’t help. If I’m having kids and there’s any external factor that I can influence to prevent the development of risky behaviors, it’ll be my job to do it.

From a purely practical standpoint, there’s no question that having financial freedom does make life more manageable these days.  Leaving aside the luxuries, being able to easily make ends meet and still have time to spend with your little ones are core requirements of having them to begin with, to my thinking.

The thing that was missing from my childhood, though, was a chance to spend real time with my parents. Time “with” Mom and Dad was helping them at work, or doing chores with them at home. Or the talks at night after dinner if they weren’t too busy or tired. While I didn’t precisely resent it at the time, I was always sad we rarely did much as a family. I definitely do regret it now that I’ve lost the chance to truly enjoy their later years with them.

***

When I envisioned that stage of my life, I simply could not see choosing to start a family at a low-earning point in my career knowing that I would have to miss key years of my childrens’ lives while fighting an uphill climb of long hours and probably political battles to advance. Looking forward, it was just unlikely that our generation was going to be settled into a single and easy career straight out of college.  So far, that’s definitely been the case.

***

Now that I prepare to move into that stage of my life, it seems like whether or not I’ll be having a family of my own is a question I should have an answer for. But I don’t.

I don’t know if I want children.

That’s basically blasphemy around some of these parts.  I’ve caught the lecture that “children are the reason you get married.” Because you couldn’t possibly want to have a partner without procreation following quickly thereafter. That was a disconcerting moment, coming from someone nearly ten years younger than me.  I expect it from the (specifically judgy individuals of the) older generation: we’re selfish, we’re lazy, and we’re [fill in the blank] if we don’t have kids.  But it’s weird when a youngun judges you for maybe not wanting kids.

I don’t know if I don’t want children, either.

As a teen, I was certain that they weren’t in my future.  Other people’s children were adorable, but every child has obnoxious mode. I babysat them all the time and most of them were cute some of the time but they invariably turned into Gremlins and they did not wait for a predictable trigger like feeding after midnight or being splashed with water so it just wasn’t worth the effort.  And I mean: childbirth. Ugh.

More than ten years later, it’s not the idea of children that is shudderingly bad but rather the concern about motherhood that looms.  My health issues aren’t getting any better so how could I be a fully present, fully capable mother?  And I worried enough about my sibling, could I take on the challenge if I had a kid like my sibling?  With no intentions of projecting that expectation on my spawn, I still have to be aware that there is a chance that one or more children might inherit whatever combination of whatever led to that mess, and do my best to guide him or her out of it before it became a real disaster.

To further complicate things, I can’t be certain that I’m capable of working full time and managing a pregnancy or raising a child. The responsibilities of taking care of Doggle alone, who is fairly low-key, are enough to take up my limited reserves. And I can’t count on getting better. It hasn’t happened yet.

Adoption was always my go-to option but again, children deserve time, attention and require energy.

I wanted this to be my decision, and the right decision for me and my spouse.  But it’s one of those I’ve not felt strongly for or against, other than not making a mistake.  When do you know you’re ready for kids? How do you know that you know, if you were never completely certain from the very beginning that you wanted to have them?

Once in a while, I find myself second-guessing my decisions.  Should I really have waited this long, even though I’ve never felt that driving urge to have children? PiC really wants a family and perhaps I could have physically handled it earlier? I certainly thought I was making the wisest choices at the time, but was it really?

Once upon a time, I swatted away the cautionary notes, the “there won’t ever be a good time”s, the “if you don’t now, then when?”s like annoying gnats.  But I’m finally there. On the cusp of my thirties, I’m at the point where I have to admit that for childbearing, I’m not getting any younger.  It’s time to make some real decisions, even if not yet time to commit.

July 19, 2011

Another month, another visit: The Doggle Saga

Poor Doggle.

He’s going to have to live past 22 at this rate to amortize the amount we’ve put into him this early on.  We had to take him to the vet again because he’s exhibited some joint pain and I wanted to be sure there wasn’t an injury that was readily apparent to the vet that I was missing.

It turned out that while the pain was quite real, the vet couldn’t be sure whether it was a joint or soft tissue injury without manipulation under sedation and x-rays. He was in far too much pain to relax for that exam, but given his slow improvement throughout the week, I decided we would opt to treat with pain meds, ice and R&R for a few weeks first before committing to $500 worth of diagnostics.

Either way, we needed a good pain medication while he recovered even if it was just a minor injury because his discomfort hadn’t faded after a couple of days, even if the symptoms had improved a little.

If he noticeably declines in the next few days, or at any point during his prescribed bed rest, then we’ll just take him in immediately.

Happily, he loves his meds and doesn’t mind the icing at all.  Strange pup.

Tallying up his tab: 
This visit: $106
Doggle Chariot, split w/PiC because honestly, PiC’s been considering a new-to-us car for years: $5000
Month One: Coming Home: $835

July 14, 2011

A Doggle Chariot and Long Term Outlooks

Well. Now we’ve dunnit.

The situation:  After setting the date for a car purchase in 2012, and swearing up and down that nothing was going to happen on that front until we had that settled, what happens?  PiC finds a potential Doggle Chariot.

I was pretty frustrated with the thwarting of my financial plans.  But then I decided that was a knee-jerk reason not to buy and self-centered to boot (my finances, my decisions) so I sat down with spreadsheets and crunched the numbers until I had a clearer view of where we both stand.

Financing was never an option, period. That’s not something I’m willing to compromise on – paying interest (unnecessarily) in order to defer payments means you can’t afford that purchase.

The Analysis:  Considering our cash position, I didn’t really want to spend the money.  [I know, when do I ever?]  But the unwillingness was based on the fact that, if our finances were merged, our net worth would not be at a place that I would feel comfortable making a major purchase. But as we’re not married yet, the monies are not merged.  And even if they were, discomfort or not, this purchase would not significantly hurt our big picture goals.  True, it wouldn’t do us any favors for the year, and it will be a pain to juggle around cash for property taxes but, it wouldn’t actively put us in a bad position and I’ve also always been cash heavy so we wouldn’t be breaking CDs or other funds to pull this cash out.

From that perspective, if this was the right car, and if the seller accepted our offer, the amount could be under ten thousand dollars, paid in full, in cash, therefore not a financially disastrous decision.

We also don’t intend to carry three cars on the insurance so his car would have to be sold, and that would make up some of the purchase price.

Considering the wedding plans that aren’t coming along but would still need to be paid for at some point when it does come together, I was still on the fence, but agreed that we were in a position to at least look at the car in case it happened to be a well-maintained vehicle that was worth spending on earlier than originally planned.

Of course, the car was not only in great shape with low mileage, and much of the major maintenance had already been done on it early and the work checked out.

The Outcome:  I should stop poopooing PiC’s Craigslist stalking, he managed to find the nicest people to buy a new car from. Not only did they accept a really good (for us) offer, they accommodated our needs for the various bits leading up to sale since we weren’t terribly close to each other and even had purchased road trip supplies for Doggle as gifts when the sale was finalized, knowing we were buying it for Doggle.

Now we’re able to have more than two people plus 1 dog per car ride, which is helpful.  Most importantly, Doggle’s much more comfortable getting in and out of the Chariot now, and has more room to move around, although now you mostly only see his big head if you look in the rearview because he likes to be Right In The Middle.  This is much better for his joints.  He was always a bit scrabbly trying to get into my car and you could see him visibly heaving himself up into the backseat.  Now he’s still leaping but it’s much more graceful and puts far less stress on his body.

My Realization: It’s still really hard for me to talk through major or minor financial decisions with adults and trust that they are open and willing and committed and going to make the right decisions.  I can talk, but I can’t trust.  It’s still an emotional imperative that I must be the one to make the decisions at the end of the day or suffer the consequences.  Thanks, family.  And I’ve always been hands-off with PiC’s finances, outside of sharing general (or specific if asked) information.  This transition is a bit tough.  But it’s something I’m working on.

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