I can't believe it's been a year since they canceled last year's Houston Livestock Show and Rodeo, which means that it's been a year since COVID-19 has seemingly taken over our lives. It's almost hard to remember what life used to be like. | |
I am not even sure we know how the "new norm" will look. And, believe it or not, I can still remember the dilemma you faced in terms of Sawyer and the Houston Rodeo. But, the fact you used me as your sounding board, for what I remember as countless hours, may explain it. | |
The mom in me just wanted to lock her in the house until we knew more about COVID-19. But I also knew the carnival and concerts at the Houston Rodeo are far and away one of the highlights not only of Spring Break, but her entire year. | |
Well, the fact they canceled it after the first week made your life – and mine – much easier. So, looking back, do you think you would have stopped her from going? | |
Hello? You still there? |
Yes. I'm thinking about how to answer that. Part of me wants to believe that I'd have exercised my parental right to use "tough love" … but honestly, I really don't know. But what I do know is that looking back, I'd do things differently. | |
Really? I know you were borderline fanatical about cleaning your groceries for a long time, but many people were. And although Mom, who says she understands, will probably never forgive you for only seeing her "through a window" for almost a year now, even though it is for her own safety. | |
No, I meant further back in time. This past year has had me thinking about all the things I didn't do over the years. And how I always took for granted that I'd be able to do them. Then, overnight, I couldn't. | |
It is funny you mention that, as various business publications are predicting a boom in travel once things start to open safely. In fact, some Christmas 2021 cruises are already sold out. | |
Cruises aren't on my list, but travel is. Over the years, my reasons for not traveling were cost-related, but I also struggled to find the time given the girls' schedules and us always being so busy with Red & Black. Bottom line, there were always reasons not to do it. And now I regret it. Not for the missed trips themselves, but for the opportunity to create memories, as some of my fondest memories are from trips. And I don't mean the things I saw; I mean the time spent with those I was traveling with or traveling to see. | |
First, no one ever said on their deathbed, "I wish I had worked more." Smarter maybe, but not more. Second, then make "memory making" a priority and start immediately. Call or Zoom friends, do a COVID-safe staycation, take a day-long road trip. Be creative. | |
I'm already doing some of that, but the point I was trying to make is that I always thought I could do these things another time. Until life just seemed to stop. And then, a year later, you realize you might not always have the time you assumed you would. | |
For years, I have said that the future is not a guarantee, merely an incentive. Unfortunately, I think the pandemic has made that painfully obvious for many people. | |
Somehow, I don't think you're talking about trips. I know that life's full of regrets, but I imagine one of the worst ones is not being able to say goodbye to a loved one and realizing you never said or did the things you wish you had. It makes you think about the many things we don't do because we're busy and feel we can do it another time – simple things like stopping and spending a bit more time with your child, your partner, your parent – until you later look back and regret it. | |
I think that is natural and, unfortunately, a part of life. | |
I know. But this past year, more than ever before, has me thinking about things that I regret. Full stop. Some things go back many years, like losing touch with old friends, while others are more recent and make me wish for a "do-over". | |
Well, it seems to me that you have two options. You can sit there and have your regrets. Or, you can learn from your regrets and do things differently. | |
Hello. Are you thinking, again? | |
Yes. You're right; I've been so focused on the things I regret, and have felt that I can never have another chance at, that I never even thought about how I can turn some of those regrets around. Or at least make sure I don't have similar regrets in the future. So, at the risk of regretting asking this question … do you have any regrets? | |
Just as I do not take walks down memory lane, I do not "do" regrets | |
So, you're trying to tell me there's nothing you'd do differently if you could live your life over? | |
I did not say that. I said that I do not "do" regrets. However, making mistakes is very different from having regrets. | |
Somehow, I knew I'd regret asking … |
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What’s so funny about the holiest day in Judaism, Yom Kippur, the “Day of Atonement”? A day where you fast as a way to help you deeply reflect on your past year, asking forgiveness, and then promising to do better.
Well, technically, nothing is funny about the holiday, but every time we think of this speaking engagement, it makes us laugh (as it did our audience) …
| I know that Yom Kippur isn't exactly known as one of the "fun" Jewish holidays, but every year, I can't help but laugh at what's easily my number one Yom Kippur memory. |
| That is what makes memories … memorable. And, finding something to laugh at on Yom Kippur, the Day of Atonement, which is probably the most important and solemn Jewish holiday, would be memorable. |
| I can't believe you're not even curious what it is!? |
| You know I love to "connect the dots", and all you had to say was Yom Kippur, fun, and memory. Obviously, it was when RabbiScott asked us to speak before his congregation on Yom Kippur. |
| Well, I still find it surreal that we were asked to speak about money on one of the High Holy Days. And that we titled our presentation, "Oy Vey, You Want To Talk About Money?" |
| The day is about reflection, making fundamental changes – or at least adjustments – and trying to become a better person. And, just because it is a spiritual journey, there is no reason you cannot make learning fun. |
| True. I remember the time Rabbi Scott put a piece of aluminum foil in the children's Yom Kippur service program to help them understand that Yom Kippur's a day for reflection. But even you must admit that making a congregation laugh about money on a religious holiday is a bit much. |
| But, memorable. A few years later, I met someone who attended that service, and he said he's never forgotten it. |
| For the content or all the food analogies?! I can remember we started by saying how we just wanted to give everyone some food-for-thought and then saying, "Oops, since Yom Kippur's a day of fasting, maybe bringing up the subject of food wasn't such a good idea." |
| Of course, it did not stop us from doing it, again and again. |
| How else could we explain our unexpected journey into personal finance without mentioning it started at our first speaking engagement … which was at a Jewish Federation breakfast? |
| Or, how our detour into criminal justice started with me meeting with the chaplain at a men's prison? But I knew it was meant to be when she told me they had the only kosher kitchen in the Texas prison system. |
| And each time we looked at each other and then the audience, and we all laughed! With each mention of food, it just got funnier and funnier. But there was no way to avoid it. |
| I know. How could you tell the story about realizing all the money you were mindlessly spending at Jamba Juice without mentioning your almost-daily smoothies? Or, how you went grocery shopping at Whole Foods because it was convenient but not cost-effective. Anyway, until that day, I never realized how so many of our stories have to do with food. |
| I think the highlight was toward the end when I was explaining how I felt overwhelmed trying to tackle personal finance. That at times, things seemed insurmountable, and then you told me … it's like eating an elephant, you can do it, just one bite at a time. And everyone started laughing again. |
| On any other day, I doubt that analogy would make you think of food. But, on Yom Kippur, and especially since we were presenting after at least 15 hours of fasting, everything makes you hungry. |
| I guess it's like being so tired that you get slap happy. But I never thought a day of atonement and reflection could end up becoming a day of laughter. |
| On Yom Kippur, we wish people an "easy fast" or a "meaningful fast"… and if a bit of laughter, even if not intended, helps, what is wrong with that? |
| Good point. For that matter, you don't need to be Jewish to take a day, or even just an hour, to stop, to think, and to improve. |
| No fasting required. |
No matter the reason for a garage sale – whether to get rid of things you’re not using anymore, an attempt to declutter, or estate sale “leftovers” – they can be about so much more than just “stuff”. And is why we’re rerunning one of Red’s favorite posts. Plus, Saturday’s National Garage Sale Day. (Yes, that’s a real thing.)
| Thanks for the accounting of your garage sale. But, given how many hours you spent preparing for it, and then the actual sale itself, did you calculate how much you“earned” on a $/hour basis? |
| No, all I know is that it seemed to take forever to go through everything in Mom’s house and decide what to keep, what to sell, what to donate. And what to trash. As far as the garage sale, I’ll give you your half the next time I see you. |
| Keep my half. You did all the work. I did not even offer to help. |
| And that was a big help. Thank you. |
| Obviously, you must be exhausted because you are making no sense. |
| Sorry, but I have a specific way of running garage sales, and the last thing I needed was another “cook in the kitchen”. |
| Not a good analogy as “cook” is a four-letter word that I do not use. |
| Cute. But seriously, I knew if I had asked you to help, you would’ve. But I can only imagine how you’d have reacted when you first saw all the stuff for sale. Especially as I treat garage sales as a way to get rid of items that I know have very little value. I’m not trying to maximize the money I make; I’m just trying to make the stuff “go away”. In fact, I don’t even put prices on them. |
| That all makes sense. Except for not having everything pre-priced. That would drive me crazy. How do you know what to charge people? |
| It’s an experience thing and another reason why I didn’t ask you to help. I have a sense of prices, but not something I could quantify in advance. When someone arrives, I tell them that everything’s cheap and give them an example. They usually look at me like, “Wow, she means it.” And then I tell them to collect what they wantand that I promise to give them a good price. And I do. |
| Is that why you and Mom never had joint garage sales? I cannot imagine she would let you determine prices on the spot. |
| Actually, she’s the one who “taught” me not to price things. That if someone picks up something or you see them looking at it, they’re interested. And that’s all you need to know. Where we differed was in how much to charge. To her, it was fun, but also a way to make money. To me, a garage sale isn’t my retirement account. It’s my way to get rid of stuff, especially big, bulky stuff. |
| In other words, people are paying you to haul off your trash. Or, save you trips taking stuff to your local thrift stores. |
| Exactly. Although I still take a lot of items to thrift stores that would probably sell for a decent price at a garage sale because I believe in what they’re doing, and I know that my donations make a difference. But I forgot how fun a garage sale can be, meeting people and laughing, just making connections, and knowing that someone will now enjoy and/or use your things. Or, in this case, Mom’s things. |
| Is there a particular age group that came to your garage sale? |
| It was truly a mix of people. Not counting the kids tagging along with their parents, which reminded me of when the girls would set up a lemonade stand to benefit Make-A-Wish at my garage sales years ago, they ranged from 20-somethings to senior citizens. But I’m almost afraid to ask why you asked. |
| I will not get into studies and statistics, but younger people are really into the environment and reusing older things, especially clothing (which is one of the three “new” R’s – reduce– reuse – recycle). So, garage sales, along with thrift stores, are becoming more popular than ever. |
| I love it! And the idea of so many of Mom’s things, now that she’s passed, will get to live on and be enjoyed by others. |
| At the risk of sounding like a MasterCard commercial, there are some things that money cannot buy. Like sentimental value and fond memories. |
| I know. Which is why the process of sorting everything was so time-consuming. Interestingly, when that came up in conversation during the garage sale, so many people could relate and then shared their own stories. It was as if they wanted me to know that Mom’s things were getting a good home. |
| Well, if you add that to the cash you made, it sounds like a very successful garage sale. Hopefully, the next sale, being an estate sale with larger and higher-priced items, will be as successful. And, although I tried to get you to use a professional“estate sale” company that would do everything for you, I am beginning to understand why you decided to do it yourself. |
| The hardest part was culling and organizing, and there was no way I’d let strangers go through all of Mom’s things. And the internet makes “advertising” the sale and posting items online very easy. All-in-all, there’s no reason we can’t do it ourselves. |
| We?! |
| Yes, because your ability to combine photos into a single image and correct my grammar is important. But your spreadsheets will be critical. |
| Now, that I can do. |
Regardless of why summers are getting hotter and hotter … they are. Which is miserable for everyone. But, don’t sweat it, we’re rerunning this post as a reminder of what you can do to make the heat just a little more bearable – for you and others. Plus, Red loves the movie clip …
| I know everyone’s talking about the record-setting temperatures because everyone’s experiencing them, but I’m so tired of it being so damn hot out. Or, should I say “too darn hot,” in honor of one of my favorite all-time musicals, “Kiss Me, Kate”? |
| You said it was worse when you lived in Hong Kong and Shanghai because there was little difference between day and evening temperatures and humidity. At least here, it cools off a little once the sun goes down. |
| But not enough. I know I’m getting older, so that doesn’t help, but the heat seems more oppressive, and I’m not only lethargic but cranky. |
| I think the correct word is … crankier. But, if it makes you feel any better, research provides a legitimate reason for being tired and cranky – the more our bodies work to cope with the physical heat, the less we can deal with the associated emotions. |
| Of course, you researched it. |
| And, even though I typically do not “do” nice, the heat makes me realize the need to be patient with people. |
| That’s funny. While everyone else is getting testy, you get nice. But since I know everyone’s feeling the heat, I try to think of others. Even a small gesture can make a big difference. For example, when I runerrands (which, ideally, would be early morning but, realistically, tend to belate afternoon), I make a point to let shoppers walking in the parking lotalways have the right of way since I’m protected from the sun in the comfort ofmy air-conditioned car while they’re outside in the blistering sun. |
| Did you know that heat waves are the #1 weather-related killer in the U.S., killing more people than floods, hurricanes, or tornadoes? That is why they started naming heat waves – so they would get the attention they deserve. And some cities (Miami, Phoenix, and LA) have even appointed heat officers. |
| I didn’t know about that, but I do know that when the girls were small, they needed special attention. Same with the elderly. And don’t forget animals, too! I limit Moo’s outside time and make sure she stays hydrated. I even set the timer for 10 minutes when I let her out. |
| I admit I am very fortunate as I can hide from the heat in my air-conditioned high-rise. But, to help the demands on Houston’s power grid, I have raised the temperature setting on my A/C even though I can feel the effect on my productivity. I have also closed blinds and drapes, unplugged non-essential appliances, and am taking cooler, shorter showers. |
| I have done the same! Although I’ll admit I was prompted by an email from my electricity provider. It also had great tips for the best time to run appliances, like trying to avoid the hours when most people get home from work as they turn on or lower A/C’s, run ovens and washing machines, etc. |
| There is much we can and should do, but I do not want to start talking about global warming or climate change, or who is to blame, even though it is a “hot topic” (sorry, could not resist). |
| Well, I hear this month’s being declared the hottest month ever, and hopefully, we’ll weather, pun intended, this summer’s heat. But I’m afraid things are only going to get worse over the coming years. |
| Agree, but for now, all I have to say is … if you must go out in the heat, PLEASE avoid these eight mistakes. |