2023 is gone to me, what’s in Store for 2024

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My humblest apologies, I was planning to write my ‘Day 10 Christmas Wish List Fulfilled’ but I should pause to reflect on an eventful 2023 and make needed adjustments to navigate 2024’s oncoming financial headwinds.

A return to my quiet space.
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“Black birds tend to like shiny things.” ~ The Bloody Raven.

First and foremost, 2023 will mark the loss of my long time dear friend and forever roommate Debora. It will be some time for me to adjust to a much quieter household without her presence, joy and endless optimism. We were opposites yet she was Ying to my Yang. She often had some input in what I post here on Hive and wrote in some of her suggestions. By habit, I still glance over to her favorite chair as if seeking her opinion.

The loss is still fresh and there are times I can feel the depression wash over me in waves. I can also see it in my two sons, they are of adult age but they still need me as much as I need them. I depended on her more than I realize, se now we have to be on our own.
Christmas has been a whole lot different this year.

Deb’s favorite Christmas decoration, her old ceramic Christmas Manger display.
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I made use of live pine branches from a late November storm.

Before New Year’s day, I was teaching Tax planning to my son on how to reduce his net Taxes coming due to our government by April 1st, ironically April fools day. Part of that strategy was planned donations. The gist is that donation rules favor the donor after $200 in total annual donation to a registered charity.

He chose the Canadian Cancer Society, I couldn’t be more pleased. I rather see this top heavy organization use the funds much more efficiently than see his funds filtered through a wasteful government. And, at the same time this act become his personal tribute to Deb.

With most of her Estate matters settled it is time for me to recover.

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My theme for 2024 is to get my heath back.

I’ve been on Medical leave since August 2023. Working my full time nights and caring for Deb during the day did exact a toll on me. I dropped my side gig leaving me bare bones room for Hive. Compounding my health is the loss of my fine motor skills with my right arm is now generally diagnosed as a form of Parkinson’s disease. My GP thinks it is bought on by the repeated injuries of my right shoulder from my bike accidents as well as my history of nursing work related causes.

At this point the condition seems degenerative suggesting that I should apply inn advance for the Disability program as my condition may not allow me to return to work until my GP says so. Long Termed Disability may NOT cover my entire income profile but I feel that I can manage with my current financial footing. I'll have to crunch the numbers to be more sure. Deb had a modest life insurance policy that covered her funeral and legal expenses, pay off our home repair loan, outstanding Car loan debt, replenish our Emergency reserves leaving enough, and she insisted, to get a few of my dream coins. “I want you to be happy for me.”

Burnaby Lake Regional Park, looking south.
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My favorite place to go think, meditate and fatten the waterfowl.

Recovering from burnout began with resetting my circadian rhythm from a Night owl to being active in the days and sleeping nights. It’s not an overnight kind of reset so I’ve been training myself out of that routine, it’s just taking longer than I thought. Otherwise, eat right, get exercise and get enough sleep.

I’ve volunteered to be a Patient driver and attendant in my church network, it is suited to my medical experience and knowledge of the treatment system. This spares the patient a lot of logistical costs and hurdles that all patients in the Cancer treatment system face. And I get the satisfaction of doing something positive and meaningful. Donating cash is fine but offering our talents and time is just as important putting a compassionate face on an imperfect health system.

Being back to a regular church service since the Covid pandemic to see old friends and find new ones is refreshing. With my sleeping most nights I wouldn’t worry about falling asleep in the service as I used to. I assured my Pastor it wasn’t his sermon. In our ordeal this fellowship had demonstrated their love providing practical and tangible support during our struggle with cancer and Deb’s eventual departure from us.

The primary factor now concerning me is surviving this crazy economy and politics. I will be limited to a fixed income with real inflation that can undermine me if I don’t factor in realistic inflation in my budget. My property taxes jumped more than 10% in 2023, and that put the lie in governmental claims of 3% factoring out energy and groceries. I’m not looking forward to the 2024 Property Tax bill.

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I hope this branch can last longer.

Two CIBC bank branches that I use in my town have closed with little news. Yesterday Jan 3rd, I stopped by my local bullion dealer and they said that they ran out of gold Maple Leafs and to call them to confirm stock tomorrow. Could these events be related? My instincts are sure getting the better of me so I may have to step up my stacking this year.

Both silver and gold 2024 silver Maple Leafs have been slow to roll out. Citing supply constraints I bet. It’s the latest it has ever been when new coins should have been out mid-November 2023. The Silver Institute predicted another silver deficit in 2024 and yet silver price hasn’t moved up, damn movie physics. The Silver Institute has been criticized lately for understating the true depth of the silver supply deficit as lacking any urgency in publicizing it.
Read it for yourself, what do you think?

The controversy continues but I find it entertaining in the whole scheme of things. The links are here for what they're worth, neither my magic Eight ball nor I are financial advisors but more like tiny entertainers upon a massive world’s stage.
Just do your own research.

Meanwhile, I have a budget to revise. Thank God for spreadsheets.
And to my friends, keep stacking that Hive, HBD and precious metals!

Crypto I currently hold are;

Hive TokenLiquid180 Hive
Hive TokenPowered up19,671 Hive Power
Hive Backed DollarsLiquid85 HBD
Hive Backed DollarsSavings1,323 HBD @20% APR
BitcoinLiquid0.2019
EthereumLiquid0.522
LitecoinLiquid19.58
BNBLiquid0.3007
DogecoinLiquid15,400

I'm so close to my 20,000 Hive Power goal I can smell it!
Aiming for 25,000 HP by 2025.
Reward setting at 100% Hive Power.
Basic Strategy; HODL responsibly.

The Silver Story Continues, a sneak preview.
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A big credit goes to my friend Nyssacat who helped me secure many special pieces that are not available in Canada.😺

Have a happy and prosperous New Year my friends 🎉

The #piratesunday tag is the scurvy scheme of Captain @stokjockey for #silvergoldstackers pirates to proudly showcase their shiny booty and plunder for all to see. Landlubbers arrrh… welcomed to participate and be a Pirate at heart so open yer treasure chests an’ show us what booty yea got! ☠️

12 Days of Christmas Wish list posts;

Day 1; 2013 $50 Canada HMS Shannon & The USS Chesapeake
Day 2; 2017 2 oz.Davy Jones Locker silver round, Privateer Series.
Day 3; 2013 $1 Tuvalu The Dementer, Famous Ships that never sailed series.
Day 4; 2015 Finding Silverbug Island Community Round.
Day 5, St. Bee’s Silver Throwing Star.
Day 6, 2022 $5 Niue Grand Shipwrecks of the World; San Jose.

12 Days of Christmas Wish List FULLFILLED Posts;

Day 7, A Gift from my Mentor; Gold Spartan’s Silver Pirate ship V2.
Day 8, A Gift from my Secret Santa Predatum in Mundo.
Day 9, A Gift from @enginewitty; 2022 Samoa 2 Tala Princess of the seas.

References

My own pictures shot with an ancient 2018 Samsung SM-A530W
P. Image under Pixabay
W. Wiki Commons
☠️🎃 Page Dividers by thekittygirl. ❄️🌞

KITCO; Silver Outlook 2024 Constrained supply rising demand…
Cameo Raven Brooch from The Black Wardrobe.
Silversaver’s 2023 Hive Silver Round, to order this 2023 Hive round.



"I’m just a gal in black, not a bloody Financial Advisor!"

silvergoldstackers pimp thealliance ladiesofhive leofinance cent pob hive neoxian sgslife
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93 comments
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Started 2024 on a more positive note taking control of health matters, finding a way to support those who are in need. Finance worldwide is on this crazy roller coaster ride, not looking forward to it, we all in the same boat, let's hope we all plan well enough to make it through the doldrums.

@tipu curate

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I'm anticipating the possibility of taking a few friends that cannot afford their housing expenses should that roller coaster come crashing. Housing costs has been raised to obscene levels here. And I plan to expand my little veggie garden since I now have more time. More subjects to write about too 😃
Thanks @joanstewart
!LADY

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Housing everywhere is expensive, this trend to fifteen minute cities they putting thumb screws on private owners of anything. If we didn't have a problem with monkeys I would have had a garden years ago, they even steal my chili off the bush! Enjoy one can achieve much once setting your mind upon it and gardening is rewarding.

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I get gardening help from my Tenant, a dependable mother with kids on a n inadequate Social assistance income that can't even cover half of an average 2BR monthly rental. It makes me shutter how many Mom's with kids living in temporary shelters, in trailers, and tent communities. I get the feeling that she or we are getting herded to some unknown ends. In a way, I adopted her and her family.

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Many hands make light work, excellent to have the children assist, they learn by doing which will be something to always fall back on.

Many here also turn to sharing accommodation with cost of living going up very few able to afford a place of their own.

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Kerris, you're a special person and I'm proud to know you 😊

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And I'll keep writing even if I have type with just my left hand. I just haven't figured a best way to use the mouse other than the two hand method.
I'll have to relearn how throw a knife left handed too.
😉

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Sounds like a plan. Have you tried voice to text? Even in an empty room I am self-conscious about it but @senstless does it for his posts and his discord chats and it's mostly intelligible xD. I've been trying it lately as well and I am warming up to it.

!PIMP

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I first tried the built in Windows Speech-to-text and I find that I continue to make many corrections but it is mostly my poor articulation and enunciation. This means I have to practice controlling my speech in order to use it effectively. My mind still feels like it's in that fuzzy space.
Dragonsoft is another recommended one but I have find a trial version first. Otherwise most of my writing has been on my smart phone taking advantage of the auto feature.

!BBH

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This is beautiful with your portfolio. Also, I love that you want to focus on your health this year as that is the major thing. So sorry about your friend. May her soul rest in peace. I wish you the best of the year.

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My Canadian government closed off practically all access to the Crypt market from my vantage I still have more faith in Crypto than our own banking and economic system. A crypto portfolio along side my gold and silver holdings will with stand the economic storm to come. I'd wish that my roommate would live long enough to see us to the other side.
Thanks for coming by @princessbusayo
!LADY

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Young Lady @kerrislravehill Stay Positive, I know we are almost to the End of this Movie..........
May You be Truly Blessed in 2024 in Knowing " The BEST is Yet to COME "

!LUV
!LADY
!Pizza
And Happy Pirates!

#PirateSunday

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The storm shall pass, we will endure then thrive when the shackles to this old oppressive system have been smashed and forged into tools of prosperity, Sorry, I forgot where this quote came from. 😅

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Well shit, hang in there. Good thing at least there is some financial support to give you time to turn this around 🙏

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Shedding off the outstanding debt will leave me plenty of financial maneuvering room. We can't rest on our laurels because there's always more preparation work and good to be done.
I won't be giving up the ship by far.
!BBH

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Sounds like a very thought out financial plan.👍
Now that you are sleeping better, I’m sure your Pastor likes that you aren’t falling asleep during his sermon Lol!🤣😇
One day at a time @kerrislravenhill let’s hope 2024 is a good year my friend!🤗

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My Pastor has encouraged church members to stack some gold and silver and make some preparations. "The writing is on the wall!" He's done the odd 'End times' sermons diverging from his usual encouraging scholarship style teaching.
Our little church has faced public scorn in the past, no surprise here.
He's pretty cool.
Thanks for dropping in @silvertop
!LUV

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Very wise pastor @kerrislravenhill !😀
Just last Sunday our pastor was talking about how we were definitely in the end of times.....
Always good to be prepared😇😀

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Sorry about the loss of your friend, Debora
Also, I love the way you want to be more healthy this year
It is fantastic!

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Have a nice recovery...weird why CIBC's there are closing!

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One branch was a busy one situated in a medium sized shopping mall. The Lougheed Town center mall branch is the larger of the two was simply boarded up one day in late November. The Other is a smaller branch located not too far north at a large strip mall. Boarded up. Cost saving decision? Maybe took a big hit from selling those underwater US T-Bills? 🤷‍♀

At least the !PIZZA shops across the street are still there.

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Pizza is the most important 😂😂😂😜

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2023 is gone to me.

Is there anyone still in 2023? 😃

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I tend to linger, with my finger.
A rhyming couplet; '3 rhyming with me'
'store rhymes with 24' is the other couplet.

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Greater things to come in 2024 I strongly believe that

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Yes I would doubt that further down the road, but we can't ignore the storm. 2024 will crazy but there will be opportunities only if we can recognize them and be ready. @precab

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More power to ya on the health front and visit Barnaby Lake often.

!LUV
!WINE
!PIZZA

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The ducks, geese, and all the birds are very well fed.
My younger sister keeps dropping off boxes of cereal when she visits me.
The birds seem to gobble up the Cheerios no problem.
💋
!PIMP

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(Edited)

PIZZA!

$PIZZA slices delivered:
kerrislravenhill tipped gwajnberg
stokjockey tipped kerrislravenhill
enginewitty tipped kerrislravenhill
@kerrislravenhill(2/5) tipped @punkysdad

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Hopefully this year will be better and focusing on your health is the right move I will try to be doing the same !BBH

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@kerrislravenhill! Your Content Is Awesome so I just sent 1 $BBH (Bitcoin Backed Hive) to your account on behalf of @bitcoinman. (5/50)

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After an evening mouse/clicking all over InLeo my right shoulder and wrist get very sore from overworking my effected muscles. This is why I can't use that front end anymore. It's not ergonomically efficient enough for a person with a limited limb mobility to use.

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When a problem arises, they all come out. I hope that she gets better from her illness and that a hobby that is entertaining enough to relieve her of her friend's departure really comes along. A hug and good health.

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Eventually the pain diminishes over time, the good memories remain and in the end we will rejoin our friendship in an eternal life before the King of kings and the Lord of lords. She awaits me there.

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That's right, you are absolutely right. And I personally want to thank you for sharing these life experiences with us. Thank you

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Wow! What a rough year... I'm really sorry. How are you holding up? What's the prognosis for the arm long term?

Stacking is a great way to keep you busy. Costco here in the US is selling Pamp gold bars so fast they can't keep them in stock. Everyone knows what's coming I think!

If there's anything I can do let me know!

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The Christmas season glow was good considering that we got a lot of dinner invites from friends and relatives. Welcoming guests, Christmas activities and shows. Dinners that I didn't have to make and clean up.
It's now the post-holiday, this time will be challenging when I tend to over think things.
I'll be Working on that Stacking budget @thebighigg
And after the Computer game challenge my kid made me promise to keep.

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Sorry about the loss of your roommate, that must be tough after all you have gone thru together. You are kind to be able to find a way to be there for others going thru the same she did to help drive them around, it's a lot.

Hopefully your shoulder recovers sooner rather than later, at least enough for you to feel like you can function normally before your finances are too impacted. cheers to a better 2024 full of cheers. xox

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There is a small chance it may recover, it more like maintaining what ability I have left would be the goal from here on in.
Thanks for the kind words @ladyrainbow
!LADY

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(Edited)

Well, of course maintaining what's left is important.

Never know as medicine and technology advances what could come in the future.

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damn hard times, sorry for your loss as well, but keep on fighting you are not alone!

I hope 2024 to be a better year!

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Sis, no matter what, take care of yourself.
You did well despite all the adversities, sis. Just as expected.
You are an inspiration, sis!
xoxo
!LADY

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"A toogh year tae be sure. Me own personal cure fur depression is tae keep busy! A busy mind an' body has nae time fur ponderin' th' meloncholy! It taks practice. Och, an Ahh meant tae mention lang ago...ye might wants tae check yer auld Steemsit accoont... Ahh hud a wee pile o' Steem ur white'er it's caa'd an didnae ken whit tae dae wi' it when Ahh left. If memory disnae fail me, Ahh think Ahh transferred it aw' tae ye. Check it." 😉 -Joshua

Steem-Oonce.jpg

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I haven't checked my Steem account for a long time, I'll take a look when I get the chance.

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View or trade LOH tokens.


@kerrislravenhill, You have received 1.0000 LOH for posting in Ladies of Hive. We believe that you should be rewarded for the time and effort spent in creating articles. The goal is to encourage token holders to accumulate and hodl LOH tokens over a long period of time.

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I will keep you in my prayers @kerrislravenhill, for healing, comfort, financial stability and prosperity and joy. You've been through a rough patch and some possible ones in the future, but God has got this and He knows the plan.

Take care of yourself please.🤗💜🌹 !LADY

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Back from shopping, couldn't help but bulk up on my favorite long grain rice at a big sale price for the 40lb sack. Time to get the heat pack warmed up with a cup of Ginger ginseng tea. My son did the lifting.

!LADY

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Just like that the new year has started and with nostalgia we come into this year and we have to think about all the things that can benefit us in the coming year.

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To make it happen we got to first crunch the numbers to see if that could happen. Be proactive.

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I'm sorry it's been a rough start to 2024. I hope there's something they can do to help with your arm.

These are definitely uncertain economic times we're experiencing. I hope things work out for you with your disability application.

Good luck with your Hive goals!

!DHEDGE

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It's the way the cookie crumbles. I can't be relied on to perform my job safely for my patients without being being both mentally and physically fit.

A substantial part of my benefit would come from a private insurer, in the event of system collapse, I'd expect this component to evaporate forcing me to draw from my RSP pension savings (That I hedged with a Physical PM ETF). (My financial planner thought I was nuts weighing my RSP 30% in PMs.

!LUV

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It's baffling how many financial planners don't think if gold and silver as real money, but instead it's just for paper trading.

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He might have changed his tune after I last let him hold a tube off silver maple leafs and a gold Maple leaf in his hand, 'Show and tell'.

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That's the way to do it! There's something unexplainable about holding it in your hand. Well done!

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I'm so sorry to hear about Deb, she sounds like a special lady 😢

Hopefully 2024 will be one of healing, along with the return of joy 🙏

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