Thursday, April 9, 2015

More on My Family Geneaology-The Paternal Side


Let's continue on with this family line of Bowmans.

To recap--
Maurice O'Brien's daughter, Catherine "Katie" O'Brien married to Frank Bowman, Sr.

 In the 1920 census the O'Brien/Bowman family is still living in Bridgeport, CT and contained Frank Senior, Katie, their children Frank Junior, Mary, John and Margery(Margaret), and Katie's father, Maurice.

In 1925 the O'Brien/Bowman family has removed to NY state-New Windsor, in Orange County on Drury Lane.
The family has grown to include 1 more child, Eleanor.  Frank Sr. is 39 and working for the NY Highway Dept. 
So why did the O'Brien/Bowman family move to upstate NY sometime between 1920 and 1925?

If we look at this 1925 census on the next page we see that Frank's parents, James Garrett and Mary Elizabeth Bowman live nearby on Station Rd. in New Windsor, NY. That's about 3 miles away.  James Garrett is 59 and a farmer and his wife Mary E. is 58.

Going ahead to the 1930 Federal Census and the O'Brien/Bowman family is now living on Station Road as well, still in New Windsor, NY.  Another child has been born, William in 1928, but only the 3 youngest children are still in the family home.  Frank, Jr., Mary and John are living elsewhere.
Frank Senior's occupation is a farmer on a dairy farm.

Further down on Station Road we find Frank Sr.'s brother, James Garrett and family living nearby.  James is an engineer in the steam roller industry.  Still working on highways I suppose.

So in 1920 the Bowman family is living near/with his wife, Katie O'Brien's family in Connecticut, then moves in 1925 to reside near Frank Sr.'s Bowman family in New York.

Moving on--

By 1930 the oldest son, Frank, Jr., has moved out from his parent's home in NY and is married and living in Manhattan with his wife, Catherine(nee McCarthy).  Frank is working as a salesman in a department store and they report being married in 1928 and are both 21 now, so they married at 19.  There are no children living in their home.

They are renting their apartment for $36 a month.  I imagine that Manhattan location goes for much MUCH more these days!

Here's a shot of this location today.......



Gourmet deli(Hampton Deli) and flower shop on the corner.....


 

And a massage parlor in the store front on the right of the door to the upstairs parts of the building.....



My brother had heard a story about my grandmother, Catherine McCarthy and how she had grown up in Hell's Kitchen in Manhattan and how she had been a flapper girl.
This story is partly truth once you dig into the records.
Yes she had lived in Hell's Kitchen but not until after her marriage in 1928 as the census records confirm.  And as for being a flapper.....she was 19 in 1928 and in Manhattan, one of the epicenters of youth culture of the 1920's so I am sure she had her wild side though I've never seen any photographs of her at this age. 8-)

But I digress.....

This West 51st St. location is in what is known as the "Hell's Kitchen" area of NYC.
After the War of Northern Aggression ended in 1865, the area which had housed shantytowns along the Hudson River saw a boom in population growth.  Tenements were erected and the poverty stricken among New York's residents crammed these overcrowded buildings.  Gang activity grew and at one time this area was called the "most dangerous area on the American Continent".  Violent gangs such as the Gopher Gang and the Hell's Kitchen Gang ran the area and after Prohibition was implemented the area became known for illicit brewing and the many warehouses in the area were used by rumrunners.  During the 1920's the gangs transformed into organized crime entities and the leader of the Gophers, Owney Madden, became one of the notorious crime bosses in the city(he owned the famous Cotton Club speakeasy in Harlem).  After Prohibition was repealed in 1929 these crime organizations moved into other illegal activities and by the time my grandparents lived there it was still a neighborhood for poor and working class Irish Americans but was not the den of crime and iniquity it had been.

Now who is this Catherine McCarthy who Frank Bowman, Jr. married and how did they meet?

Catherine McCarthy first shows up in the 1910 Federal Census living with her parents at 1043 Cambridge St. in Cambridge, Massachusetts.

Here is what that location looks like today......



The part of the building sitting at 1043 is owned/rented by the Massachusetts Alliance of Portuguese Speakers Organization now.  In 1910 this was an apartment building.

And here is what is located a mere 1 mile from that building......


Yes, Harvard University....though my family never had any connection to that institution.

My grandmother Catherine McCarthy was 1 year old when living in Cambridge, MA in 1910 with her parents, Dennis and Mary McCarthy. 
Dennis was a worker in a rubber factory.

Ten years later in the 1920 Census the Dennis McCarthy Family is living at 242 Webster Ave. still in Cambridge, MA.
That location no longer exists and there is only a tiny stretch of Webster Ave. at this end of that road.

242 Webster Ave. was near here.....


The Immaculate Conception Catholic Church, which is now a Condominium. Off to the right of the photo is a diagonally laid out bit a street that stretched beyond that called Webster Ave.
This location is a mere .02 miles from the McCarthy family home in 1910.

Not only did they move physically .02 miles but Dennis and Mary added 4 more children to their family by 1920.....Mary in 1911, Ella in 1913, John in 1915 and Margaret in 1918.  Dennis worked for the "Terminal Company" as a painter.

I found that this company was actually the Boston Terminal Company.  The Boston Terminal Company, established in 1897, was charged with the task of combining the four railroad terminals that served the Boston area into one consolidated terminal.
The Boston Terminal Co. built the South Union Station in 1898 which at that time was the largest rail station ever built.


You can read more about them HERE

In 1928 Catherine McCarthy married Frank Bowman, Jr. and by 1930 she was no longer living in her parent's home and relocated to Manhattan and they had set up housekeeping in Hell's Kitchen after the end of Prohibition.

Still don't know how they met.  Catherine McCarthy lived with her parents in Cambridge, MA in the 1920's and Frank Bowman was living with his parents in New Windsor, NY in 1925.  3 years after that they were married in 1928.
I do know that Frank Bowman Jr. attempted or actually joined the military in 1926 or so when he was 17 years old.   A cousin of my father told me this a few years ago.  It may have been that he went to Canada and lied about his age and who he was.  He may have been thrown out too. I am still trying to sort all this out. 
We can say for sure that in the late 1920's Frank Bowman was roving about and this is when he met my soon-to-be grandmother, Catherine McCarthy.

In November of 1931 Catherine gave birth to a son, Francis Dennis Bowman III.  I don't know where this III came from since Frank's father's full name was Francis Foster Bowman, not Francis Dennis Bowman.  Another family mystery......
By the time of his birth the Bowman family was no longer living in Manhattan but in Brooklyn according to the birth records.
In 1934 Catherine gave birth again to a daughter, Marilyn.

And in the 1940 census the Frank Bowman family had moved to 5920 5th Ave. in Brooklyn.
Here it is today.......

Here's a close up.....


The green door under the pale blue awning is 5920.  This is located in the Sunset Park neighborhood of Brooklyn.
Here is what is located on the opposite corner from this road on 5th Ave. and 60th St.


Our Lady of Perpetual Help Catholic Church Basilica.
Here's a video from YouTube about the Church but they also talk about the history of the area a bit in the beginning of it.
Stick around for the latter part of the video if you are into architecture and grand churches.



You can catch a glimpse of the street outside my grandparents home at 3:27 in that video.

The Upper church was completed in 1928 so my father, aunt and grandparents went to this church when it was practically brand new.

In 1940 my grandfather is 31 years old, a foreman electrician for a construction company and my father is 8 years old and attending school.  The family indicates that in 1935 they were living at the same address so they've been in Brooklyn at least 5 years in 1940.

Then in 1941, all hell broke loose in the family after the Japanese bombed Pearl Harbor and the US entered World War II.

And we'll leave it here until another time.

Sluggy





 

Wednesday, April 8, 2015

Sluggy's Views on Debt

* It's the one where Sluggy babbles(or should that be burbles?)on and on about debt and money, for what it's worth.




I am one of those people who believes in good debt and bad debt.

Of course, I also believe that the good debt comes with disclaimers.

Good Debt---



* Student Loans....but ONLY an amount commensurate with the income the degree earned will allow you to make.  Going out and putting yourself into massive amounts of debt for a degree that won't jack up your lifetime earnings and won't allow you to pay off your student loans within 10 years(and probably NOT in your working lifetime) is NEVER a good idea.
Ask me how economically advantageous my theater/art degree was.....lolz  But at least I incurred no debt getting that piece of worthless paper.



* Home Mortgages....but ONLY an amount that will also allow you to also EAT WELL, have heat/electricity and other necessities while paying this off.  Don't spend more on a house than you can afford and NEVER listen to how much a realtor says you can afford.  After all, they don't have "skin in this game" and they stand to GAIN more the more you go into debt on that purchase.

While mortgage debt can be considered "good" debt, don't confuse this debt with an INVESTMENT.
Your home is NOT an asset or investment, it is a cash flow drain on your wealth.  The only time a mortgage/home IS an investment is if you rent it out or plan to fix it up and flip it for more than you put into it.
You need a place to live and that home will be a drain on your finances, from taxes, to interest on your mortgage, to insuring it, to maintaining it.
A place to live is a necessity and unless you have enough to pay cash for one, you will have to have a mortgage on your house.  But get rid of that debt as soon as you can.

Bad Debt--



*Revolving Personal Debt(aka Credit Cards).....items bought with a credit card that you can't immediately pay off(meaning you don't have the money for it but want it NOW!)--Just think of anything you BUY on a credit card as NOT PAID FOR YET....because, it isn't paid for yet.  You hold possession of these items but you don't OWN them until you pay that bill off.
Period.

You may want that new dress/airplane ticket/dinner out/etc. NOW but figure out how long it will take you to reimburse that cc company(months? years?)and add all that interest up and does the item look like the great deal you thought it was when you took it home?  A $50 dress can end up costing you 4 or more times that if you have a habit of buying "wants" on credit but only paying off the minimum balance each month.
Even if you are a bargain shopper and can't pass up a clearance sign(*raising my hand here*), if you can't pay cash for it and put it on credit that bargain will end up being no bargain once it's finally paid off.

Of course, if it's a "need" like healthcare or keeping the heat on in Winter and you don't have the cash to cover it, you'll have to break this rule.  But if you've lived frugally and financially responsible for many years you'll possibly never end up in a situation like this.
Knock on wood.



* Financed Cars.....you should avoid financing cars. 
I now believe in our 2015 society that there are 3 main reasons that keep many consumers from getting ahead in life.......too much mortgage on a home, having to have electronic gadgets and financing cars.

Yes, cars have become for many a necessity in our society.  But even if you have to buy a car you can control what you buy and how much you spend.

Buy the car you can afford.  If that means a beater(a cosmetically challenged, older car with mechanical issues), that's what you buy.
If you can ill afford to throw money away, NEVER buy a new from the dealership car.

Now I haven't always followed that bit of advise myself.  In the last 32+ years of married life, Hubs and I have bought 12 cars over the years.  8 were used from dealers/family/friends, 4 were new from the dealer.  Though we haven't only bought used we never bought more new than we could comfortably pay off quickly or pay cash for. 

Of the 4 cars bought new only 1 purchase was stressful since it was unplanned and brought on by an emergency situation.  And we were young and had yet to build an adequate financial cushion for ourselves.....that is what made it stressful.

We had a Chevy Chevette and Hubs was going to commute(1.5 hours each way)in it to his job in NJ when we moved to PA in 1986.  The week before the closing on our first house the Chevette began to have mechanical issues.  So we HAD to buy a car.  Hubs parents had just bought a new car(paid with cash mind you)from a dealer in NJ so we used that salesman and because he made such a grand commission off of Hub's parents(it was a large gas guzzling luxury boat!)the dealer took pity on us and we got this Omni for dealer cost.  Seeing as all our cash had gone to the down payment on the house we had to finance that Omni. The purchase price was $6K.
$6K today would be a walk in the park but in 1986, when someone at our ages and levels only made $12Kish a year AND had just plunked down most of our cash on a house, this was a financial crisis.

About 6 months after moving into our small home, and I had paid all the bills for that month, I realized we had $50 or so left to our names and still had to eat that month.  I vowed at that moment to NEVER get into this situation again.  I went out and got a job and in the 3 years I held that seasonal job I paid off that Omni and paid off both of Hub's student loans in full.  The first winter in that house we couldn't afford the electric heat(we had in on in the crawl space however for the pipes)so we moved a space heater from room to room with us.   The next year I got sick from the kerosene fumes so we saved up and paid for a woodstove to be installed and we heated the entire house with that.

We have bought used cars from family, from friends needing to unload a vehicle and from companies that specialize in used vehicles.  It helps that neither Hubs or I have "car fever" or have any attachment to a hunk of metal(if you don't count my middle age crisis Sonic car).  ;-)

This car event back in 1986 was what solidified how we viewed debt and used debt from then on out.
I vowed to NEVER go back to feeling that helpless when it came to finances.

But I digress......

While some debt can be called "good debt" don't kid yourself that debt is good.  Debt limits your choices in life in so many ways.

Have you ever had a light bulb moment about your finances and debt?
Do tell us.....

Sluggy


 

Tuesday, April 7, 2015

March Goals Results


* Start Crochet Project
DONE!
Just barely though.
I did the first row, aka the chain.  Here it is.....lolz



* Get College Boy/Return College Boy
DONE!
I didn't actually have to return him as Hubs did that part of it.

* Clean House
FAIL
We did a little cleaning before company came for Easter(cobwebs, floors downstairs)but the house still needs some deep Spring cleaning.
Have I mentioned lately how much I despite cleaning??

* Use Exercise Bike 25 Days
DONE!
I have turned using the exercise bike into a habit at this point.  There were a few days earlier in the month where I didn't get on it.  I started slow, trying to do half a mile was a struggle!  I am an old woman who is out of shape after all.  Now I am up to having biked 22 miles for March and am up to almost 1.5 miles per day by the end of the month.

* Use Hand Weights 12 days
FAIL
While I have made the bike riding a habit I only did the hand weight exercises 3 or 4 times(see?  I didn't even keep track.)
I need to put more of an effort into getting this one done every other day.

* Pay the Bills 
DONE!
Everything was paid either on time or early and in full.

* Go the Dentist
DONE!
Had a cleaning and 2 fillings done and the bill just arrived so that will be paid this week.  I am good for another 6 months on this chore.

* Have eye surgery consult
DONE!
What a long drawn out day.  But it's over, now we just have the actual cataract surgery to go at the end of April.  I'd love to get this done sooner however.

* Make vacation plans
IN PROGRESS
We have the stay in LA booked we just have to plan the route both there and home.  We may take a bit more time getting there and stopping along the way to do things(still to be determined).
Anybody out there located between PA and LA want to get together for a meal or something mid to late May?  Email me.

The APRIL To-Do List is now posted on the blog.

How did you do on your March goals?

Sluggy


 

Using Up the +Up Rewards

I went to Rite-Aid Monday to use up my $20 in +Up Rewards I have left.
The plan was to cash in as many rain checks as I could and get some things we can use/need(like trash bags).

Things didn't quite work out the way I planned.....


2 x cases of R-A water bottles on sale=$4.66 *not pictured*
1 x container Edy's ice cream 50%off clearance=$3.24 *not pictured*
2 x Glad kitchen trash bags Rain Check $3.99ea.=$7.98
2 x Irish Spring body wash Rain Check 2/$4=$4.00
2 x Dial bar soap Rain Check .99¢=$1.98
1 x Reach toothbrushes Rain Check=.99¢
1 x GE light bulb Rain Check=FREE
SubTotal......$22.85

Coupons Used
2 x $1.50/1 Irish Spring body wash IPQ=$3.00
Coupon Total.....$3.00

$22.85-$3=$19.85

That's what should have happened, but this is what actually happened....

Coupons Used
2 x $1.50/1 Irish spring body wash IPQ=$3.00
1 x $1/2 Dial soap Load2CardQ=$1.00
1 x $1.50/1 Irish Spring Load2CardQ=$1.50
Coupon Total.....$5.50

$22.85-$5.50=$17.53

Yes, 2 Load2Card Qs came off I wasn't expecting so the cashier pushed through both my IPQ Irish Spring ones.

$17.35 + .15¢tax=$17.50
I used $17 of my $20 +Up Rewards and paid .50¢ OOP.

$59.69 worth of items brought home for .50¢.

And I still have $3 in +Ups to use before the week ends so there will be one more trip to Rite-Aid for me this month.

Sluggy
 

Monday, April 6, 2015

This Week on the Dining Table

The "Hubs Birthday on Easter" Edition.....

 
The year Hubs was born that day was the day before Easter.
His mother, we were told, considered naming him Peter because of that......as in Peter Cottontail hopping down the bunny trail, hippity hoppity Easter's on it's way.
So glad she came to her senses. lolz

Happy Birthday Hubs!!!

Anyway, onward to the meal planning!
 
Here's what was planned last week.......

1.  Broccoli Soup, Salad(We had steak out for lunch so not so hungry at dinner time.)
2.  Irish Stew, leftover Cabbage
3.  Grilled Fish, Roasted Veggies, Coleslaw
4.  Mushroom Quiche, Salad
5.  Sloppy Joes(leftover),
6.  Coq au Vin, Potatoes, Carrots, Asparagus
7.  Easter Ham, Deviled Eggs, Mac & Cheese, Green Beans
 
And this is what actually happened--

1.  Broccoli Soup, Salad(We had steak out for lunch so not so hungry at dinner time.)
2.  Irish Stew, leftover Cabbage
3.  Shrimp and Grits(I didn't have the grits), stir-fry Veggies
4.  Mushroom Quiche, Asparagus
5.  Sloppy Joes(leftover),
6.  Hubs has lasagna leftovers, I had a salad
7.  Stuffed pork chop, leftover stir-fry Veggies

Everything went as planned except no Coq au Vin because I found reduced stuffed pork chops at the grocery store so we had that instead.   Plus I put Easter dinner on this menu when my plans run from Sunday to Saturday so I lost a day somewhere last week. lolz

Last week I made 4 trips to the grocery stores and spent $161.52.42 OOP on $265.34 worth of reg. retail groceries.

The Target and Maine Source trips I talked about last week plus 1 trip to Weis where I picked up reduced meats and items needed for Easter dinner. I also bought Hubs and I chocolate covered Easter eggs at Weis(small ones)which added an unplanned $7.98 of spending there.

Then I made an unplanned stop at Price Chopper on Saturday as they were running a TRIPLE 10 Coupons a day deal(only coupons for .99¢ or less).  I bought 10 items--frozen rolls(for Easter), LOL butter, ICBINB(aka I Can't Believe It's Not Butter), Jasmine rice, a can of roasted corn, a box of Little Debbie oatmeal pies, sliced Kraft cheese and 3 shakers of Parmesan cheese.  The parm was $2 a shaker, the rice was $1.50 and everything else was between .24¢ and .74¢ after sale prices and coupons were tripled.  The can of corn was actually free after tripled coupon.  I also stocked up on Gatorade2 as they had it for $1 per 2 qt. bottle.

I had 1 transaction at Rite-Aid last week and spend .25¢ OOP on $5.29 worth of toiletries.

For the week, $161.77 total spending on $270.63 worth of food/toiletries/HBA.

$161.77 spent of my $300 April food budget, leaving us $138.23 for the next 25 days of the month. 

Leftovers going into this week are--1 whole quiche, asparagus, Popeye's chicken and green beans(Sat. lunch take-out)and sloppy joe mix.  Actually we have a lot of food leftover from Easter dinner too(since I write this on Monday)even after giving the BI-L and nephew a goodly portion of ham, mac and cheese and sweet potatoes.

Here is the plan for this week.........

1.  Easter ham, deviled eggs, mac & cheese, mixed Italian veggies, sweet potatoes
2.  grilled fish, leftover Easter side dishes
3.  chicken marsala, mashed potatoes, asparagus
4.  Assorted leftovers
5.  Boston baked beans, assorted leftovers
6.  leftover Popeye's meal stuff
7.  quiche leftovers

4 nights of leftovers and 3 nights of new dishes.  We will be eating Easter leftovers all this week in between making new meals, plus the leftover chicken from Saturday lunch.
 
What I need to buy for this menu......nothing at all.   I have the fish, the raw chicken, the dried beans, molasses, onions, potatoes, mushrooms, etc. for the new meals.  I also have makings for a nice salad still which will be fixed sometime this week.

I haven't even glanced at the grocery ads for this week and I may just stay out of the stores as my food budget is looking puny after last weeks "shopfest". 8-(

 
What is getting fixed and served at your house this week?    

Was last week's plan successful, did you go off plan or did you not even plan what was going to be eaten that week?

Any great deals on food at your stores this week?

Sluggy