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A heartwarming story of a little life…

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Only a few days ago, Mont Blanc approached the fence welcoming us.  Perhaps somehow he knows how much we care. See his story below

When we first arrived on the Watson Alpaca Farm on January 19, 2016, we had an experience with one of the cria, Mont Blanc, son of Giselle that we’ll never forget as shown in this post from January 26th. 

Mont Blanc was born on January 10th with blue eyes considered an anomaly, which Trish explained could indicate possible future health problems often observed in rare blue-eyed alpacas.

It’s been hard to get a good photo of Mont Blanc’s blue eyes with his long lashes. 

Somehow the tiny alpaca had maneuvered his way under the wire fence and was separated from his mother when they were in the paddock next to our house. 

We were inside when this occurred, but with the doors wide open we couldn’t help but hear his cries, his mother’s cries, and the cries of the others as they all worried about the fate of the separated cria at this point only a few weeks old.

Mont Blanc, the day he was reunited with his mom after escaping the fence.

Inexperienced as we were, we feared lifting Mont Blanc over the fence would be stressful for him or risky for us if Giselle was upset if we’d picked him up. Now we know better. We could have lifted him over the fence, returning him to his distressed mom.

Contacting Trish by phone she explained that she and Neil were on their way home from work to check on the alpacas as they do each day at lunchtime. In no time at all, they arrived, lifted Mont Blanc over the fence as we watched the joyful reunion of mother and son. 

Mont Blanc, on the left wearing his green collar sitting on the patch of dirt with the other much larger, younger cria only a few weeks ago.

We watched Mont Blanc and Giselle for days noticing how he never left her side, remembering all too well the distress of being separated for almost an hour. It was during this period we developed a special attachment to Mont Blanc and his quiet shy demeanor, less playful than the other cria who romped about the paddock in the evenings as the sun began to fade.

Since the alpacas are moved to “greener pastures” every week to allow grass to regrow from their constant grazing and to restore the area from parasites as a natural part of the animal’s defecation contributes to the growth of a variety of parasites that can ultimately affect the health of the alpacas.

Mont Blanc, a few days after he and his mom were moved out of the paddock with a few new moms and cria as opposed to the larger herd. 

Trish and Neil are diligent in managing control over the general health of the alpacas including management of the parasites both in the paddocks and the alpacas to ensure their continuing well-being. We’re continually amazed by the alpaca’s great health as a direct result of their diligent love and care.

When the alpaca group we’ve been observing these past two months spent time in the paddocks nearest the house, we couldn’t help but notice Mont Blanc’s small stature and over time, how he didn’t seem to thrive. 

Mont Blanc, a few days ago, bigger and healthier, nursing without sharing.

The many other younger cria surpassed him in height and weight. He seemed to struggle to get up and down when he hunkered down on the patch of dirt outside our living room door where the babies often cuddle together. Over time, we noticed his rib cage showing. 

When I mentioned our concerns to Trish, she mentioned they’d tried to bottle feed him but with the alpacas at a distance from their house, they weren’t able to see him as easily each day as we were at such close proximity.

About 10 days ago, as I sat on the deck lost in watching the adorable behavior of these precious beings, I observed this unusual scenario, another larger cria nursing off Mont Blanc’s mom. 

Mont Blanc, the smaller of the two in this photo, was being pushed out from nursing by this other youngster. Alpacas only have one cria each year and rarely nurse another baby.

Immediately, I sent Trish the photos, and that evening after work, Trish and Neil came and moved Mont Blanc and Giselle to another paddock where he wouldn’t have to compete for food from his mom. We’d rarely seen him nursing or even grazing that all the younger cria had begun doing regularly.

Each day after they were moved we walked to the distant paddock to see how he was doing and much to our delight, he was often nursing and munching on grass.  In only a matter of a few days, he began to fill out. His ribs were no longer showing. Now, he’s thriving and quickly growing.

Mom growled a little at the other cria when she noticed what was going on.

Yesterday, Trish stopped by to drop off our insurance documents that had arrived in the mail from the UK and to tell us that Mont Blanc has gain 2 kilos, 4.4 pounds since they were moved. 

When she said to us, “You may have saved his life,” our heart flipped in our chests. How much better could this experience have been for both of us? 

The pinkness of his nose and mouth is changing as he matures and grows healthy.

To be instrumental in the birth of a two cria while we “babysat” in Trish and Neil’s absence and then to play a small role in alerting them to the critical situation with Mont Blanc, our experience on the farm is complete. 

Although we haven’t had to “do the work” that Trish and Neil do each day and the work and responsibility of our ancestors living on farms, we’ll be eternally grateful for a new understanding and appreciation for life on a farm.

Mont Blanc with a blade of grass in his mouth is looking great!  His name tag says, “Mt. Blanc” like the name of the pricey pen.

Soon, our journey continues on with more life-changing opportunities to expand our personal growth and embrace the scope of the world around us.

Be well, dear friends…

Photo from one year ago today, March 18, 2015:
One year ago, the food in the Oasis restaurant at the resort was delicious according to my sister Julie who was visiting us in Kauai. Her lunch of fish taco was prepared perfectly. Unfortunately, there wasn’t one item on the menu that worked for me and I wasn’t hungry enough to ask for special modifications. I ordered an iced tea and was content to be with my sister as we looked out at the sea. For more photos please click here.

Today is our 4th anniversary of posting…

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These beautiful tree clusters create a nice foreground for our photos at sunset.

Yesterday, as I was uploading the post, the date dawned on us as the upcoming anniversary of our first post.  As it turns out, it was four years ago today, on March 15, 2012, that we posted this site for the first time.

Here is the link to our first post on March 15, 2012.

At the time we began posting, we weren’t leaving Minnesota for over seven months until our departure date of October 31, 2012 with much to plan and handle in attempting to undo a lifetime in Minnesota and 26 years in our home.

Each room in our house was decorated and appointed with mementos, treasured and decorator items, all with a story and special meaning only to us. The two walk-in closets in the master bedroom, three upstairs guest room closets, and a large attic were filled to the brim with years of collection and accumulation. 

There’s a sliver of moon in this photo.

Certainly not, “hoarders” we still had our fair share of stuff. The thought of disposing of it all much of which our kids had no interest with their own house filled with their “stuff”, we made up bins of memorabilia for the each of the grandkids.

We arranged a professional estate sale for the rest, donating the items which didn’t sell. It was a daunting task I’ll never forget, along with the sale of the house and both cars.

In addition, we had to research and plan insurance, medical, immunizations, financial matters, digital equipment needs and of course, enough upcoming travel arrangements to give us peace of mind in knowing where we’d be traveling for the first few years.

Taking photos of sunsets is always tricky when the sky changes by the seconds, not minutes.

Tom was still working up until departure date. Being able to document the process was both therapeutic and rewarding, especially when people from all over the world began reading our posts, much to our surprise and delight. How did they find us? 

At the time, we did little promotion to acquire more readers. Magically, they appeared and continue to do so through “word of mouth” and our occasional promotion on other websites. 

When readers started writing to us about enjoying their “armchair experience,” reading our story on their ride on the train or bus ride to work, during a coffee break or at the kitchen table, our enthusiasm escalated to hopefully provide a worthwhile experience.

It was almost completely dark when we took this shot.

Many changes have occurred over these past four years.  Early on we hired a web designer, Brooke Woodall with http://www.smittenblogdesigns.com/ to help with the nuances since I have little time or interest in web development. 

Eventually, we added advertisers although we earn little revenue from the links but never did so with the intent in making enough to support us in any manner. Most likely, that will never occur. 

As time passed, around February, 2013, we found ourselves posting every day and attempting to perfect the quality of our photos. Since we began posting daily, we’ve hardly missed a single day, only due to internet connectivity or on travel days. 

With the mountains blocking our view of the actual sun setting we’re able to see the beauty in the sky at sunset on clear nights.

Over these past few years we’ve made an attempt to prepare the final day’s post to be scheduled to upload on travel day. That process seems to be working well preventing us from missing any days.

We realize that some days our stories are “thin” and not as content rich as others.  Its the “nature of the beast.” If someone told me I’d write a several page “essay” with photos every single day, I’d have said it wasn’t possible due to lack of content and/or motivation.

Nothing stop us, not lack of content, motivation, illness or planned activities. On cruises, we often go our on tours early in the morning. We either prepare a post the prior day or post upon return with new photos. 

Moments later it was pitch dark.

Our dedication and commitment has never wavered mainly due to our loyal readers commitment to continuing to stop by to see “what’s happening.” We are eternally grateful for our readers. 

It’s all of YOU who drive us to get out, see more, have more experiences, create more stories to write and take more photos to share. This, dear readers, even after four years never and I mean never, leaves us feeling pressured or stressed to prepare the next day’s morsel.

We enthusiastically continue to share our lives of two somewhat daring, somewhat crazy, sometimes boring seniors citizens of the world dedicated to living life to the fullest for as long as we are given the gift of good health.

Thank you for these past amazing four years.  Thank you to our readers who’ve stepped in along the way.  Thank you to our new readers who may be here for the first time today.  Each of you inspires us to continue on…

Photo from one year ago today, March 15, 2015:

We didn’t post a photo one year ago today when instead we wrote about our original post on March 15, 2012.  Please click here for details.

Part One…Reviewing the criteria we established in March 22, 2012…Are we still on track?

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Fiji is lush, green, and beautiful. There are no snakes here and few biting insects other than mosquitoes. Flowers bloom year-round, views are breathtaking, products and services are reasonable and there’s free medical care for all locals and visitors. Sounds like an ideal country for retirement for those seeking a permanent location.

It’s raining again and although today we’ll return to the dentist for Tom’s abscess check, we’d hoped we could do some sightseeing. With fog, dense clouds, and rain, it doesn’t appear sightseeing will be on the agenda. 

We can’t deny we may be running out of photos as we wind down to less than three weeks remaining on this island of Vanua Levu. With limited photos, we must admit, writing a story each and every day can be challenging at times especially when we haven’t been out much.

With Tom on massive doses of antibiotics and the bad weather, we haven’t been out since shopping on Thursday. Laying low always seems like a good idea when one has a raging infection and trekking through a rainforest in the rain just didn’t seem like such a good idea. We’ll head out on the next sunny day.

The view from atop the hills in our area.

During quiet times such as these, we often read past posts getting a kick out of our thoughts and ideas from long ago. With today’s post as #1201 having begun posting on March 15, 2012, long before we left Minnesota, we’re often astounded by how we’ve changed in some ways and how we’ve stayed constant in others.

One post that Tom stumbled upon yesterday, caused both of us to laugh out loud over how little we’ve changed in the criteria we established 44 months ago when we wrote the post for  March 22, 2012.

Knowing many of our readers have joined us partway through our journey, having never read the earlier posts, we share this post again today. With each and every one of our past posts located under “previous posts” (click on the little black arrow) on the right side of the page, we realize many readers never read archives, not on our site nor any other site.

Too often, we’ve been sightseeing on rainy days. Photos are more appealing on sunny days.

Ours is a continuing story.  However, it may be picked up partway through.  We often provide links to past posts which may help the reader “catch up” to a degree. We rarely upload a prior post’s text as we’re doing today.  This won’t be a regular habit but, the content may be of interest to new readers who joined along the way.

Today, we’re copying and pasting the criteria we posted on March 22, 2012. All of the text copied will be in italics with comments at the end. If you recall this portion and prefer not to read it again, you call pass over all of the italicized portions to our comments at the end.

Here it is, a post from 44 months ago:

Our strict criteria, March 22, 2012:
 
 At the end of my last entry, I promised to explain the strict criteria we have established to ensure the financial goal of our world travel:  our total travel expenses would not exceed the expenses we would have incurred to live in a $1500 a month condo in Arizona or any tax-free state such as Florida or Nevada.  
 Using an Excel spreadsheet we listed the normal expenses we would experience in our new retirement lifestyle, entitled “Basic Living Expenses”  

  1. Rent or mortgage payment:  include association dues, if applicable
  2. Taxes: federal, state, and property, if applicable
  3. Groceries: to include specialty items for our restrictive organic, gluten-free, low carbohydrate, sugar-free, wheat, and grain-free way of eating.  All meals are homemade (no processed foods) utilizing grass-fed meat with organic produce, dairy, and eggs.
  4. Auto expenses: payment for a newer vehicle still under warranty, gas, maintenance, insurance
  5. Health: insurance premiums, co-pays, prescriptions, dental, vision, health club dues, alternative therapies, and supplements
  6. Other insurance
  7. Cable and Internet: including a few premium channels (we love Dexter, Homeland, Boardwalk Empire and Shameless)
  8. Cell phones: a smartphone with unlimited data
  9. Utilities: gas, electric, water, trash 
  10. Entertainment and dining out (carefully limited)
  11. Clothing, personal effects, toiletries, and grooming (all items discounted and purchased at the best possible price)
  12. Gifts: for family members/friends for birthdays/holidays, greeting cards, postage
  13. Publications: magazines, newspapers, online subscriptions
  14. Miscellaneous:  occasional purchase or replacement of household goods, donations, cash for incidentals
  15. Pet care: food, treats, toys, groomer, and vet (no pet now since we lost our WorldWideWillie last April) but we would have a new dog if we settled into a retirement lifestyle
  16. Banking fees; interest on credit cards, if applicable; 
  17. Savings
Upon keeping our costs as low as possible, in an effort to live a relatively conservative retirement lifestyle we had a total. Thus…

Criteria #1:  Do not have a permanent home!

With these numbers in mind, we created the next worksheet in our Excel workbook, entitled “Fixed Living Expenses” which were those we’d incur if we traveled but didn’t have a permanent home. Although we are not accountants nor possess a degree as such, we labeled the tabs that we felt best represented the analysis we chose to perform. These were expenses we’d have whether we were on a cruise, temporarily living in Spain, or on a safari in Africa that didn’t include travel expenses.
  1. Taxes: federal, state, and property, if applicable
  2. Groceries: to include specialty items for our restrictive organic, gluten-free, low carbohydrate, sugar-free, wheat, and grain-free way of eating. All meals are homemade (no processed foods) utilizing grass-fed meat and poultry with organic produce, dairy, and eggs.
  3. Health:  insurance premiums, co-pays, prescriptions, dental, vision, supplements 
  4. Other insurance 
  5. Cell phone (one between us):
  6. Clothing, personal effects, toiletries, and grooming (all items discounted and purchased at the best possible price)
  7. Gifts:  for family members/friends for birthdays/holidays, postage
  8. Banking fees;  interest on credit cards, if applicable
  9. Savings
Criteria #2:   Do not own cars!  (And resulting payments, depreciation, storage, insurance, gas and maintenance)

We will sell both of our cars before we step foot out of this country, instead, renting a car if necessary. While calculating our auto expense, considering the two payments, insurance, gas, and maintenance, the total was $1523 per month which more than covers all of our upcoming flights, trains, ferries, taxis, and rental cars (three of our credit cards provide free rental car insurance when the card is used for the rental car charges)!
Then we took the “Fixed Living Expenses” and created an “Average Daily Expense” which, no matter our travel expenses or living arrangements, would always be relevant numbers in our financial planning.

Criteria #3:   Do not stay in hotels other than a short term! How is it possible to travel without staying in hotels? Sleep in a tent?  Hardly!  Rent an RV?  Too expensive! Mooch off people you may know that life in exotic places? Never! Staying in a hotel requires the expense of meals in restaurants, tips, city, county, state, and local taxes, outrageously priced cocktails and beverages, and of course, the tempting “tourist trap” shops and services. 

Simple answer:  Only stay in houses, condos, townhouses, villas, apartments, and other such property owned, but not currently occupied, by private parties. Property owners are often anxious to rent their own homes and rental properties at reasonable rates knowing full well that the distraught economy and worldwide strife has tempered world travel.  We have found that we prefer to rent houses and villas as opposed to apartments, which are often noisy and offer fewer amenities.
Criteria #4:  Do not pay more than what we were willing to pay for rent in our chosen retirement community!  The above described $1500 month was the magic number that fit into our predetermined budget.  How is this possible? Only $1500 a month for a house? Yes, the gorgeous 17th century, totally renovated villa in Tuscany, Italy is $1400 a month! Yes, the amazing little beach house in Placencia, Belize is $1250 a month!  Yes, the charming house in the Kruger National Park in South Africa, surrounded by the free-roaming Big 5, is $1387 a month! We will share more of these astounding rentals as we continue here.
There is so much more to share including the remaining Criteria, how to calculate total expenses, why we have booked five cruises thus far with two more waiting to be posted.  How and why we have booked ahead 571 days from this coming Halloween, Tom’s retirement date. How we will experience the first 10 months of our adventure without ever stepping foot onto an airplane.  

Certainly, we have a “to-do” list that is daunting. Certainly, there is a degree of risk  Certainly, there is some blind faith that we are going to enjoy our new lives, free from all the familiar comforts that we have reveled in all these years. And most certainly, our love and devotion to one another will see us through all the challenges we encounter along the way.  

We have mutually agreed that if at any time, one of us is tired, bored, or tired of being on the move, we will stop and find “home’ wherever that we may be.
Through the mist and clouds…

It’s hard to believe that so little has changed in our criteria over these past almost four years since we began posting. Certainly, we could go back over there and see we’ve changed especially in the amount of rent we’re willing to pay. 

The most we’ve paid to date has been slightly over USD $3,000, FJD $6,488 a month in Morocco over a period of almost three months. Overall, our vacation home rent generally runs about 20% to 30% less than in Morocco.

Over time, we did adjust the budget’s annual estimates upwards to compensate for this increase although all other estimates and final numbers have fallen within the original budget. Each time we add a new location, we check transportation, entertainment, and food costs in order to be able to enter realistic estimates. 

As we incur each expense while living in each location, we keep a running tally of every last cent spent, entering it as final expenses at the end of the rental period which we always share here with our readers on the day or our departure.

Tomorrow, we’ll share the second portion of this post which we entered the next day and we’ll provide an update on the results of Tom’s dental appointment today after we discover if his infection is gone needing no further treatment or, treatment down the road.

Have a fulfilling day. Thanks to each and every one of our readers for being at our sides as we continue on.

 Photo from one year ago today, November 16, 2014:

Mike, the condo manager, explained the interesting story of the Milo tree, detailed in this post. 

Our three year anniversary…A special day out…Total expenses for three years of travel and lots more stats…Hold on to your seats!

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Us in Hawaii, one year ago. Tomorrow, we’ll post a new photo of us together from Namale Resort. Here’s a link to our two year anniversary.

This morning, we awoke simultaneously at 5:45, both of us saying “happy anniversary, lover!” It’s a special day for us. It’s the third year anniversary of our world travels, beginning on October 31, 2012, the day Tom retired and we left Minnesota to begin our journey.

The first few years we didn’t make much of a deal of the anniversary when we hit the road, leaving our lives in Minnesota behind, leaving behind all we knew and loved.

Our kids, now all in their 40’s had built their own lives with their families, filled with activities, their own traditions, fully embracing the hurried and at times, the frantic pace of life in the US. 

After working all of our lives and living that frenzied pace at times, we were ready to expand our horizons and step outside the “expected” box of retirement and old age. 

What contributed to our choosing this life evolved more from our mutual desire to do so than anything else. In many marriages, one may like the idea, but the other spouse wouldn’t consider it. With my renewed health beginning 11 months before we left, it was three months later until we even conceived of the idea. 

It was hard leaving everyone we love behind.  We didn’t take it lightly. We just did it differently than many Minnesotans who choose to escape the frigid winters and short, hot, humid summers.  Instead of buying a condo in Arizona or Florida as many retirees often do, seeing family once or twice a year, we chose to see the world, although the stretches between visits are further apart.

The kids and grandchildren visited us in Hawaii last December, a little over two years after we’d left and we’ll see them again in 19 months. They’re doing fine without us. A call on Skype is all it takes to see a smiling face and hear a familiar voice. 

Many ask, “When will this end and you move back to the US?” When one is happy and fulfilled, it’s a tough question to answer. Our answer is vague at this point, “When we have to (due to health) or when we want to.”  Neither of those scenarios is in front of us now as we enter into our fourth year.

Although not specifically an anniversary photo this was taken in January, 2013 in the days when we had lots of luggage. We believe we had a total of 17 pieces including several carry-on bags.  Now we have three checked bags and a two carry-on items each.

When we began this journey three years ago we made a pact: If one of us wants to stop traveling, the other will agree. Of course, if health becomes a serious issue we’re unable to address from abroad, we’d have no choice but to return to the US.  Perhaps, after a period of time and recovery, we can continue again.

However, part of the joy in our lives is the uncertainty of the distant future, an odd sensation for two people who liked to plan well into the future, especially me. And yet, I’m totally at ease moving every few weeks or months. 

Other than missing the people we love, we miss nothing in our old lives. Sure, a TV would be nice or AC on hot humid days but now, we see those as frills we easily live without. Getting dressed is easy each day: shorts and tee-shirt, or…tee shirt and shorts. Life is simple and uncomplicated.

We wish we’d taken more anniversary photos on years one and two but, often alone, we settle for what we can, often taking photos of ourselves individually or on occasion, asking a stranger. We’ll try to do better on future anniversaries. 

Tomorrow, we’ll definitely post a photo of us together after today’s upcoming celebration at Namale Resort where we requested an exception to allow “outsiders” to dine in their restaurant when it’s exclusively intended for “all-inclusive” guests only. 

Luckily, our offer of doing a story on Namale and today’s experience will be posted online tomorrow which results in great exposure for their resort to our worldwide readers. We’re appreciative of the opportunity to visit this world-famous resort.

Now, for the part most of today’s readers are anticipating…the numbers. Yesterday, after reviewing our spreadsheets with every facet of our travels, including all expenses and every aspect of our itinerary.

Tom at the beach at the Indian Ocean on our one year anniversary in 2013. Here’s a link to our one year anniversary.

Also, we’ve included the totals for each expense for “everyday” living with such items as medical, supplies, insurance, toiletries, groceries, data, clothing, dining out, entertainment, postage, miscellaneous fees, and on and on.

Many of you will be shocked when you read these numbers. Others may be pleasantly surprised. But, if any of our readers were to add up every last cent they spent in the past three years their numbers may not be whole lot different than ours.

I’ll lighten the shock of the total by sharing the 37 month total (we’ve included estimated costs for our remaining month here in Savusavu based on averages on our spending to date):

  • Monthly cost (37 months):  USD $6,880, FJD $14,772
  • Daily cost: USD $225, FJD $483:
  • Three year total (37 months): USD $254,572, FJD $546,582

The monthly total was higher than we’d originally estimated. But, when 12 family members came to Hawaii at our expense, our monthly averages increased exponentially. 

Into the future, we should be able to keep our monthly cost around the USD $6,000, FJD $12,882 thus reducing our daily total expense at USD $197, FJD $423, a number we feel comfortable to strive toward into the future.  As we peruse our budget, we see this is entirely likely once we’ve passed 2015. 

As for other numbers, here are a few facts we gathered from the past three years as well:

  •  21:  vacation homes we’ve rented
  •  56:  nights spent in hotels
  •  14:  flights we’ve taken (roundtrips count as two)
  •    1:  trains we’ve taken (the Eurostar, Paris to London)
  • 119: nights spent on a cruise ship
  •  11:  cruises we sailed
  •    7:  rental cars (total number rented, not number of days rented)
  • 16:   total months with a rental car (leaving 21 months using a driver)

None of the above surprised me based on the fact that I’ve been entering these numbers for over three years.  Tom was surprised at first at the grand totoal but as we discussed it further, he was easily able to see how it adds up.

Two years ago, on our one year anniversary on the beach at the Indian Ocean in Kenya.

None of these totals include deposits we’ve paid for future travel. Those numbers will be calculated into new totals for each year as the rentals, cruises, and expenses occur.

There it is, folks. Without storage and a permanent home in another location, its affordable for us to continue to travel the world. Never for a moment do we take from granted our ability to do this. Never for a moment do we take for granted the good fortune, safari luck, we’ve experienced in these first three years.

And most of all, never for a moment to we fail to appreciate each other’s bravery and determination to live a joyful life “outside the box” or our ongoing good health.

Thus, to my loving husband, I say “thank you” for this extraordinary experience. To our family and friends, “thank you” for accepting our decision to travel the world. And, of course, to all of our worldwide readers for “traveling along with us” from your comfy armchair, your ride on the bus, or with your morning coffee or tea at the kitchen table. We have loved sharing each day with all of you.

Photo from one year ago, October 31, 2014:

We didn’t make much of our deal about our two-year anniversary last year which we’ll share in tomorrow’s post for the one year ago photo. It’s a special milestone for us each year and for us, is deserving a bit of hoopla. For details from last year, please click here.

Upcoming payments for vacation homes and cruises…How much is the rent here in Vanua Levu and the upcoming rentals?

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Junior, the thoughtful head maintenance and landscaping guy on the property explained how he nurtures the orchids by adding coconuts as the ” parasitic” to enhance the growth of the orchids.  See photo below.

Yesterday, we paid the balance of the payment due for the next house, when we move to Viti Levu, the main island of Fiji in a little over two months.  The USD $1,800, FJD $3,919 was the balance due on a total rent for one month of USD $2800, FJD $6,096. 

At the time we booked the second house, we hesitated a little over the price, higher than the rent for the house here in Vanua Levu at USD $2,000, FJD $4,354 per month for a grand total of US $6,000, FJD $13,063 for the entire three month period.

Based on the fact that we stay in most locations longer than the average traveler’s one or two weeks, we’re often given a discounted rate.  Although the owner may not bring in as much income from our rental period, they can’t ever count on having the property rented 100% of the time.  Also, there are additional expenses accrued in the turnover process.

It wasn’t easy finding a good house at an affordable rate near the ocean yet far from the hustle and bustle of Nadi, the capital city.  Once we arrive we’ll rent a car for the 95 mile drive from the airport.


We posted this photo earlier when we weren’t sure of its species.  Yesterday, when Junior stopped by to see if we needed anything, he explained that he’d tied this coconut to the orchid tree which enhances the growth and beauty of the orchids via the nutrients of the coconut. 

With the house a short distance to a beach we can walk at our leisure with hotels on either end it will be quite different than this house in Savusavu where its impossible to walk on the beach in the mountainous region, although there are beaches in other areas.

Also, the house in Viti Levu it has a pool and patio furniture outside the living room door. The pool here, although adequate for swimming, has no space for lawn chairs or chaise lounges, making it less appealing for us.  There’s nothing like a swim in the pool followed up by a drying-off while sitting in a chaise basking in the sun for a short period.

Every location has its pluses and minuses and the minuses are often only a matter of perception and lifestyle.  Undoubtedly, we have peculiarities and preferences that may not matter to the next visitor.  In essence, this house in Savusavu is ideal for many travelers who prefer a quiet location.

As for upcoming payments due by the end of 2015, having just paid the above mentioned balance, we only have two more payments due:

1.  USD $3,871, FJD $8,428 – 14 day cruise on the Celebrity Solstice – Sydney to Auckland (Total fare USD $4771, FJD $10,387
2.  USD $4,616, FJD  $10,050 – 3 month (88 days) rental for the alpaca farm in New Zealand (Total rent USD $5,615, FJD $12,225)

Badal, Sewak’s dog has been visiting us almost every evening.  We’d love to give him affection but in the pouring rain he’s been quite a mess.  Once it clears we’ll happily spend time with him.  He lives entirely outdoors but is well fed and cared for.  With Sewak and his wife vegetarians, we wonder what Badal eats. 

The thought of only having to pay out USD $8,487, FJD $18,478 by December 31st gives us a little peace of mind.  Also, the way my little brain works inspires me to figure out the daily rental (per se for the cruise fare, too) for the above mentioned 14 days and 88 days, respectively, which translates to USD $83 a day for “rent.”  Not too bad by our standards.

Of course, once January arrives, we’ll have a ton of expenses to shell out for several upcoming cruises and rentals in 2016.  We’ll get back to those costs in the new year.  I can’t think about that now.  We’ve carefully budgeted all of these expenses resulting in no need for worry or concern.

The rent itself is only a part of the expenses we bear each month:  groceries, dining out, transportation (car rental and driver as applicable), airfare, excess baggage fees, entertainment, shipping fees, insurance for health and belongings in our possession and a glob of miscellaneous items as we continue to replenish supplies and products we regularly use.

Keeping track of these expenses in quite a task that only works without stress when handled as the expenses occur.  Letting them pile up, which we don’t do, would certainly be instrumental is causing angst and frustration. 

As the rains continue, flowers are blooming throughout the yard.

If our website and travel writing small business weren’t subject to a small (and I mean, small) write-off each year, we’d still keep track of every expense.  How easy expenses could get out of control, beyond one’s means, putting a fast end to the affordability of continuing on?

With our careful and diligent planning and documenting of every last expenditure, we’re always at ease knowing we can afford the next month, the next leg and the next year.  That type of worrying wouldn’t fit well into our motto of “stress free” living. 

As a result, we have no option but to be frugal by our own self-determined standards; avoiding wastefulness, not choosing luxury over peace of mind, selecting affordable rentals and at times, forgoing convenience.

Beautiful colors.

For example, we could have rented a four wheel drive vehicle while in Savusavu which is required to make it up this mountain from the main road.  The rental fees for such a vehicle made no sense at all.  Were such a vehicle available the monthly rental fee would be in excess of USD $3,000, FJD $6,531. 

With Ratnesh’s hourly rates at USD $13.78, FJD $30 for driving to sightsee as opposed to USD $9.19, FJD $20, for round trips to the village, we could use his services for three hours a day for USD $41, FJD $90 and still get nowhere near the cost of a monthly car rental.  Plus, Vanua Levu is a small relatively low population island, not warrantying that amount of travel by any stretch of the imagination.

Thus, a sensible decision was made, especially since we’d would have hardly used a rental during these past three rainy weeks.  As we’ve mentioned in the past, we don’t feel trapped having been without a car on many occasions either walking (where applicable) or utilizing the services of a taxi or driver as needed.

Bananas growing in the yard.

Are we “tightwads” in the truest sense of the word?  Not at all.  We purchase any food items our tastes so desire when cooking or dining out (where possible), we generously tip the support staff and driver at the end of each stay, we pay substantial shipping and excess baggage fees (now with less cringing) and, we continue to book balcony cabins on every cruise our hearts so desires. 

These expenditures certainly don’t fall into the category of “tightwad.”  For us, these “extras” are a way of life that contribute to the ease of travel and above all, the degree of enjoyment we glean as we continue on.

Keeping track of all of this seems to add an another element of pleasure, one that we derive from knowing where we stand and the accompanying peace of mind that comes with it. 

___________________________________________

Photo from one year ago today, September 29, 2014:

One year ago, we were fast approaching the Hawaiian Islands, where we lived for a total of eight months during which our family visited us on the Big Island.  Its hard to believe in a few days, we’ll be sharing photos of Honolulu when our cruise ended on October 5, 2014. Where has the time gone?  For more details, please click here.

 

How much did we spend out of pocket for all the medical?…Haircut problems for Tom…Figuring it all out, one way or another…

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Its amazing how quickly it grows.

Yesterday morning, we both had final appointments with Dr. Konny at Apple Tree Medical in the town of Smithfield near the shopping center. Tom had his physical and according to what Dr. Konny could determine, he’s in excellent health.

He had his blood tests which will arrive by email in a few days. Once those have arrived, we’re done with the doctor. After Tom’s appointment, he headed to the lab located in the medical clinic while she and I reviewed my newly arrive test results.

Much to our delight, all is well. I have a clean bill of health. I must admit now that it’s over that the pain I had in Kauai was not a bladder infection after all. After we arrived here in Australia it started up again. It just wasn’t symptomatic as a bladder infection. 

The justcuts store is located only a few doors from the pharmacy, making it easy to find.

Over a week ago I had a CAT scan in Cairns as the pain had continued for days. We never mentioned the CAT scan here when we felt we should wait until we had results. I was upset about having to have the scan not wanting to pay thousands of dollars for the expensive diagnostic test.

We almost fell over when we paid the bill after the test was completed. It was AUD $365, US $269. As a matter of fact, Dr. Natasha had called four different diagnostic centers while I was with her to find us the best price. I don’t ever recall our doctor making phone calls for “deals” for us! The difference in pricing at various clinics was as much as AUD $1000, USD $738. We couldn’t express enough gratitude!

Keeping in mind we have no insurance to cover this when our insurance only covers hospitalization (hospital stays, surgery, and inpatient services) this was the full price, not a co-pay. I can only imagine the out of pocket cost we’d have incurred for such a service in many other countries.

Tom was reading a book on his phone while awaiting his turn.

Waiting for the results was angst-ridden. I was more worried about how we’d manage if I needed surgery or had a dreaded disease while on the move. One can do a number on oneself imagining the difficulty in these circumstances. But, we both held firm to a relatively positive attitude, and the days passed quickly until we knew the results.

As a result of a surgery over 20 years ago, I had adhesions in the left groin area (guys, figure that out on your own. Girls get it!) and a possible bit of diverticulitis. The pain from this can come and go and for now, it’s at bay once again. Reducing fiber intake seems to reduce all the pain. So for now, I’m on a low fiber, low carb, grain-free, starch-free, sugar-free, chemical-free diet. Good grief. 

Knowing it’s nothing more serious and not impeding upon any internal organs, it’s not worrisome. Occasional discomfort, I can manage. Worrying is eliminated. What a relief! As for the additional food restrictions, it’s no problem for me. Currently, I’m having low fiber veggies such as mushrooms, onions, leaf lettuce (no more cabbage), and a few others.

Tom’s former haircut gone wild.

As for all the other tests including tests for colon cancer, everything is negative. Now we wait for Tom’s results and we’re home free (literally and figuratively). Later in the week, when we grocery shop we’ll make our dentist appointments with a dentist located by the mall with a beautiful office and modern technology for teeth cleaning.

In the interim, Dr. Konny wrote my prescriptions for six months (all the law in Australia allows) for the few prescriptions I’ve taken for years, having recently eliminated one more due to good health. After the doctor appointments, we dropped off the prescriptions which will be ready by Thursday. With these, I’ll have enough on hand to last for the next 16 months. 

After three doctor appointments for me, one for Tom, multiple blood tests, and the CAT scan we spent a total of USD $$1075, AUD $1458. All that remains is is the cost for the three, six-month prescriptions which surely won’t be over US $200, AUD $271.26. Unreal. In the US, we’d have spent thousands for all of these out of pocket services. Once Tom’s results come in, we’ll report here, anticipating all will be good.

In no time at all, he was done. I particularly watched how Byron cut along the ears and back with which I’d had trouble. I can’t wait to try it again.

We were very happy with the level of medical care and service at Apple Tree Medical. If traveling to this area, one can rest assured they’d be in good hands with this clinic and with these fine doctors, including Drs. Natasha and Dr. Konny.

After the doctor’s office, the stop at the pharmacy, and Tom purchasing a battery for his watch which was a bit pricey at AUD $19.95, USD $14.71, we headed to JustCuts for Tom’s much-needed haircut. Why wasn’t I cutting his hair with our recently purchased hair clippers with the zillion attachments?

Simple answer. When we plugged it into our electrical adapter the noise was earsplitting and it quickly became overheated, approaching burnout. Apparently, these clippers won’t work in some countries but certainly not in Australia. My US purchased flat iron which uses more powers works without a problem. I offered to give him a scissors cut but he refused.

The bottom edge at the back had been tricky for me.  Now, I know how to do it.

The male pharmacist suggested we try his favorite haircutters, JustCuts, located a few doors from the pharmacy in the mall. Walking into the clean, modern, well-equipped hair cutting establishment made us feel we were in good hands. The stylist, Byron, a local guy did a fabulous job giving me tips for when I am able to cut Tom’s hair again. 

After a perfect cut along with an affordable price of US $14.71, AUD $23 we were thrilled. Hopefully, in Fiji, the hair clippers will work. If not, we’ll have to find a new haircutter before we head back to Sydney in January to board the cruise to New Zealand.

After all of our stops after the doctor’s visit including a trip into the grocery store for a few items, we were on our way, out to breakfast. Unfortunately, breakfast was over at the few restaurants we visited and it was too early for lunch.  With rain pelting down and preferring to avoid walking on the beach in the rain, we decided to head back home and go out to eat another day.

When we returned home, I collected all of our medical information and scanned every medical report saving it on our hard drive and the cloud we use, OneDrive, for which we pay a small monthly fee. We have almost one terabyte of data to save in a cloud and thus it requires a small fee for this amount of storage. We use the portable hard drive and the cloud for safekeeping in case our hard drive is ever stolen although I keep it in my possession at all times when we travel. 

Byron was a friendly and competent stylist suggesting a number of areas we plan to visit in the near future.

Tom’s test results will arrive by email by Friday. If all is well, he’ll have no further need to return to the doctor.  Once we receive them, they too will be stored on the hard drive and cloud. 

We’d received a DVD of my CAT scan which we plan to store at our box at the mailing service, along with accumulated receipts and our expired second passports which we no longer need but that I’d like to save as keepsakes. We’ll put together a small package of these items and send them to Nevada before we leave in September. More later on why we no longer need second passports but did when we originally began to travel in 2012.

That’s all the news for today, folks. Thanks for traveling along with us. We hope you enjoy reading the costs we bear along the way. We post them with the intent of informing travelers as to possible costs they may incur in their travels. If any of our readers have specific questions about any travel-related expenses we may not have included, please comment or send an email and we’ll happily respond.

Have a wonderful day!

                                        Photo from one year ago today, July 21, 2014:

A natural rock formation we discovered on a drive in Madeira. For more photos of that day’s road trip, please click here.

Results from doctor appointments…Tom’s appointment is next…Cruise updates…

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Nothing is as beautiful as a sunny day at the beach.

Alive and well after three years without having a physical exam, I am relieved most of it is over. Aside from a few remaining tests that we expect to be fine, I am thrilled its almost over and all is well.

A huge contemporary house near the beach.

On Monday, Tom begins the process, with his first appointment at the clinic. When all is said and done, including all tests the cost will be under US $800, AUD $1031 for both of us, not bad considering all is paid out of pocket when we only have major medical/hospitalization insurance.

Actually, our fixed monthly budget included a monthly estimate for medical of US $50, AUD $68 which we’ve never used except for the trip to urgent care in Kauai. When all is said and done all of these appointments and expenses are covered by that estimate, almost to the penny.

A contemporary house at Holloways Beach.

With continued good health, we plan to wait for another check-up in three years from wherever we may be at the time. Most likely, it won’t be in the US when we’re there in the summer of 2017. 

Another large home at Holloways Beach.

Costs of medical care are approximately four times higher in the US (out of pocket) as compared to what we’ve paid in Australia. There are good medical facilities in most areas of the world where we’ll be living in the next three years so we have no concern at this point.

Yesterday, when we arrived for my 3:00 pm appointment at Apple Tree Medical in Smithfield, I was disappointed to discover my last physician Dr. Natasha was out sick. Instead, I met with Dr. Konny Komlovari whom I found to be equally competent, warm, and friendly. Their onsite lab makes blood tests easy to arrange and process.

A small park at Holloway’s Beach.

Next month, we’ll make our dental appointments leaving all of this medical stuff behind. Thanks to all of our readers who encouraged us to get all of these done and out of the way. It was good advice.

As for the three cruises we reserved over the weekend, last night at 10 pm we spoke to our new rep at Vacationstogo.com, Brooklyn Earnhardt, who is highly experienced and capable. We both felt comfortable and assured that she’ll do a great job for us for these three cruises and all future bookings.

Double Island makes us curious as to what it would be like to visit.  Here are details of visiting Double Island.

We’d gone ahead and reserved the three cruises with Royal Caribbean over the weekend. Now, we’re in the process of transferring them over to our new agent, Brooklyn which can be done within 60 days of booking with the cruise line. 

In transferring the cruises to VTG we are able to use our own agent and agency for receiving various cabin credits that the cruise line itself may not offer. Plus, they receive their usual commissions. This type of loyalty is important to us. Relationship building is vital to our success in booking various aspects of our travels.

Tom looking out the sea undercover at the beach.

In yesterday’s post, we mentioned sharing a little info on our itinerary for these three new cruises which we’re summarizing here. Soon, as we’ve mentioned we’ll include our new updated itinerary

1.  Sydney to Perth: October 31, 2016, 16 days

2.  Perth to Sydney:  November 16, 2016 (back to back above the same cruise, same cabin number) 17 days

The above 33-day back-to-back cruise circles the entire continent of Australia, with multiple ports of call enabling us to see considerable sites along the way.

3.  Sydney to Seattle:  September 22, 2017, 24 days, crossing back over the International Dateline, arriving in the US on May 15, 2017

During these above three cruises, we’ll visit such new cities as:

  • Brisbane, Australia
  • Darwin, Australia
  • Benoa, Bali
  • Geraldton, Australia
  • Perth, Australia
  • Esperance, Australia
  • Adelaide, Australia
  • Melbourne, Australia
  • Dunedin (Port Chalmers) New Zealand
  • Akaroa, New Zealand
  • Wellington, New Zealand
  • Picton, New Zealand
  • Il Des Pines, New Calendonia (we missed visiting this port on our recent cruise due to rough seas)
  • Noumea, New Calendonia
  • Mystery Island, Vanuatu
  • Cross the International Dateline (getting our lost day back)

The last of the three cruises breezes through Hawaii on the way to Seattle, Washington, USA, stopping at Kona (Big Island, Hawaii), Lahaina (Maui), and Honolulu (Oahu). By that time, it will have been almost two years since we lived in Hawaii. 

Park at the beach with a covered area.

Besides these three above new cruises we booked in the past few days, we previously booked three other cruises in Australia, details of which we’ve shared online in past posts. A few of the ports of call are repeated on these other cruises but here are some of the highlights of the new locations we’ll have yet to see:

  • Hobart, Tasmania
  • Tauranga, New Zealand
  • Bay of Islands, New Zealand
  • Auckland, New Zealand (where we stay for 90 days in a nearby village)
  • Kuala Lumpur, Malaysia
  • Singapore, Republic of Singapore
  • Lifou, New Caledonia
  • Lautoka, Fiji

These 23 ports of call plus some repeats of others we’ll have previously visited  (not listed here today) are all new to us in our world travels. This gives us an additional opportunity to see as much as we wanted to see in the South Pacific in almost two years including this relatively short period of time of 97 days aboard ship on these six cruises.  

This house near the beach could be anywhere in the world, utilizing the benefits of solar power.

During these periods we’ll be housed, fed, and entertained aboard the various ships with the opportunity to socialize each and every day. By the time we head to Seattle, we’ll feel confident we’ve thoroughly scoured the South Pacific to our liking.

Over the next year, we’ll be deciding on how much time we’ll spend during our relatively short visit to the US in 2017 and begin booking vacation homes and cruises for our next foray to an upcoming new continent. 

As always, we’re excited as to our future choices while we’re thoroughly “loving the one we’re with!”

Happy Monday or Tuesday to all!

                                                Photo from one year ago today, July 14, 2014:

Colorful steps at an elementary school in Campanario, Madeira, Portugal, one year ago today. For details and more photos, please click here.

Doctor appointments and medical tests…Funny things in our neighborhood…

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Mailbox in front of a house down the road from us.

We’re still busy with my medical appointments and tests. Our reader’s input encouraged us to make doctor appointments for each of us. We decided to do one of us at a time since mine is a bit more comprehensive than Tom’s. 

A sign in front of the house that is currently for sale.

Once my appointments are completed, we’ll get to work on his. The clinic, Apple Tree Medical is located a short distance down the road near the Smithfield shopping center, less than 10 minutes from our home. 

The young, highly competent Dr. Natasha Cress was thorough and took a tremendous amount of time with me answering many questions, pleased that I’d brought along a comprehensive list on an app on my phone. 

Statue of a horse, a cart, and a man in front of the house.

Why would we be any less detail orientated when it comes to our health than we are when preparing a post or planning a new location? The same detailed procedures and doctor will be used for Tom’s upcoming appointments.

Interesting vegetation growing in the yard.  Notice Fred Flintstone on the left in the photo. Wait, more is coming.

This morning at 8 am, we headed back to the clinic for my blood tests on an empty stomach. With one remaining appointment for me with the doctor on Monday at 3 pm, we’ll be back here with the costs. I can’t wait to share how much less expensive medical care is here in Australia as compared to the US.

In Australia, they have their own form of Medicare, which provides insurance for all citizens generally without a co-pay. When charging us for appointments and tests they’ve only charged us what their Medicare would have paid making it very affordable.

Fairly large statues of Barney Rubble and Fred Flintstone.  Brings back memories!

With our medical insurance only covering “major medical” (hospitalization), we’re responsible for paying for outpatient tests and appointments at the time of service. Once everything is completed, we’ll both have peace of mind and be ready to continue on in the more remote locations awaiting us in the months to come. 

Even Dino from the Flintstones was there. This statue is most likely as tall as an adult human.

Of course, after not having medical exams or tests for three years, we have a little concern that everything will be fine. However, if feeling well is an indicator all should be fine. We never take good health for granted, knowing that it all can change in a moment, feeling well or not. 

A different house on the same side of the street with pretty landscaping.

As we all are well aware, once we reach a certain age the likelihood of issues only escalates no matter how hard we may try to maintain a good level of health through lifestyle; exercise, low or well-managed stress, good sleep, healthy foods, and good relationships, all of which are vital to our well being.

Horses and a peacock in the front yard.

Continuing on, we’re still working on the Cairns Tropical Zoo stories and will upload them in the next several days. In the interim, we continue to drive and visit some of the many points of interest in this magical place. 

A peacock with another bird we couldn’t identify. Could it be some type of turkey?

On a whim, we drove down the road from our house and discovered these sights in the neighbor’s yard. One can never know what fun little treasures lurk only a short distance away. Enjoy our goofy photos!

The mailman coming down the road.  It appears most letter mail is delivered on a motorcycle.

It’s cloudy and rainy today. Most likely we’ll stay put handling some accounting, laundry, cooking, and completing the future posts. Whatever we chose to do each day, in or out, we find ourselves cherishing every moment of this life we’ve been given.

Another horse in the front yard of the second house. Even on cloudy and rainy days such as this, we easily find ways to entertain ourselves from the car.

Have a wild and wonderful Wednesday on that side of the International Dateline and a terrific Thursday on this side of the world!

                                                Photo from one year ago today, July 9, 2014:

This is our second house in Fiji on the main island that we booked one year ago today. Our first location in Fiji in on the smaller island, Vanua Levu. For details on this booking, please click here.

We goofed!…Not crossing International Dateline until tonight…Dreading the end of the cruise?

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Sunset over Tahiti.

All I can say is that we’re having such a good time, we didn’t pay enough attention to our itinerary over these past 12 days simply due to every moment being filled with pleasurable activities. 

As a result, yesterday’s post was inaccurate in stating that we were crossing the International Dateline last night when in fact, we’ll cross it tonight. With a two-hour time change to boot, we’ll be setting our clocks ahead by 22 hours, jumping into Saturday when for many of our readers it will be Friday.

As the ship pulled away from the pier in Tahiti, the sky darkened with remnants of sunset.

Yesterday at 2:00 pm I attended a classical piano concert that was performed by a highly acclaimed pianist from the Philippines while Tom was relaxing in the cabin filling out the required immigration forms before entry into Australia. 

At 3:00 pm, he attended “The Shed” while I worked out and later read a book on my phone on our veranda. At 5:00 pm, we met at the bar on the ninth deck and later returned to the cabin to change for dinner. 

Shoreline in Bora Bora.

By 6:30, we were seated at the Centrum bar mingling with people we’ve met over these past days, engaging in conversation and laughter. By 7:00 pm, we were seated at a table for 10 in the Romeo & Juliet Dining Room chatting with some familiar and some new tablemates.

Life aboard a ship is easy. As Tom says, “I don’t have to make the bed, do dishes or take out the trash.” Although I don’t mind daily household tasks, this definitely is an easy way of life for both of us.

Tom standing on the miniature golf. He clobbered me.

We’ve spoken to passengers who’ve spent as much as 90 days aboard a ship loving every aspect of the experience. Perhaps someday we’ll take a long cruise. For now, this 18 or shall I say 17 days has been glorious this far.

After another fine dinner with excellent food and friendly people, we went to the live evening show. The performer was an Australian magician although neither of us particularly cares to watch magicians. But, the energy in the packed theatre made the show worthwhile and we left with smiles on our faces. 

The scenery along the shore in Bora Bora.

A 70’s disco show was being performed in the Centrum at 10:00 pm. We watched for a while as the singers and dancers performed while passengers danced. By 11:00 pm were back at our cabin, never falling asleep until after midnight. By 6:00 am this morning we were both up and about, a little tired but anxious to begin another day.

Tomorrow will be Saturday for us and we’ll only have five days left until we disembark in Sydney on June 11th.  In our old life, as the cruise time would have begun to wind down, we’d have been disappointed and filled with angst to return to the “real world” however pleasant that may have been.

There are numerous small islands in the South Pacific.  We find ourselves curious as to what it would be like to stay on such a small island. 

We’d have dreaded the pile of mail, the unpacking, the laundry, and the spoiled food in the refrigerator. We’d have dreaded the return to responsibilities and mundane tasks. However, in a few days, most of that dread would dissipate and we’d settle into our daily lives and activities.

Instead, excitedly we’ll exit the ship, go through immigration, grab a taxi to the airport, board the Qantas Airline flight to Cairns for the short (to us) three-hour flight, get our luggage, pick up the rental car to drive 22 minutes to the house in Trinity Beach.

Once we arrive, the owners will be awaiting us to familiarize us with the workings of the property. How excited we are! There’s no mail to collect and sort through since we’ve already reviewed the few pieces we’ve received online in the past weeks from our mailing service. We receive no junk email. 

More small islands on a cloudy stretch in the South Pacific.

As for the responsibilities, we’ve paid off all of the credit cards while we were on the ship using our Hotspot Shield for privacy and security. We’re paid up for future rentals well into July. We already paid the doctor bill from my one incident in Kauai at $311. 

We don’t owe a dime on any other bills.  With no utility, cable, or cell phone bills, mortgage payments, property taxes, car payments or insurance (other than health and our hauled belongings, paid once a year) life seems easier than in years past.

Once we unpack and settle in, we’ll head out to dinner. The next day we’ll grocery shop together. Tom always shops with me the first time in a new location based on the huge amount we need to purchase. He does all the heavy lifting, my own personal “pack mule” as he calls himself.

Another island in the South Pacific.

These tasks aren’t tasks to us. We feel like kids “playing house” as we learn the area, its nuances, and the names of stores and products we’ll typically use in our daily lives.

Later in the day, we’ll check out the health club and most likely I’ll sign up for the three-month membership.  I’ve already communicated with the health club confident it will be a good match for me. By the end of that weekend, we’ll be totally settled and able to embrace living in the beautiful resort town of Trinity Beach, Australia.

Another cute towel pet sitting atop our bed when we return to the cabin at the end of the evening. Our fabulous cabin attendant Jill grabbed my sunglasses to top off this cute rabbit.

Dreading the end of the cruise? Not us. We’ll continue to cherish each remaining day on this wonderfully social cruise. If our minds wander to the task of disembarking we can easily toss those thoughts aside knowing the process should be easy and stress-free.

We’ve learned the nuances of exiting a ship with low stress. Even occasionally “overly grumpy” Tom (on travel days only) is beginning to trust the process and go with the flow.

One more day at sea and we’ll reach Fiji, where we’ll be living in a little over three months. We’ll see what the day brings. Please check back. 

                                                  Photo from one year ago today, June 4, 2014:

This scene of the view from the veranda in Campanario, Madeira took our breath away. Every day provided a new and intriguing view of the mountains and hills. For details from that date, please click here.

Counting down the days with a bit of trepidation…What do world travelers like us do without a primary care doctor?…This morning’s new photos….

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This Cattle Egret is sitting atop a tree in the backyard, a usual sight to see. Most often, they are on the ground near where there is landscaping, grading, and excavation in the process. They seem to know that such scenarios are excellent opportunities for foraging for bugs and worms.

After a fitful night of listening to science podcasts, at 6:00 am, I literally rolled off the edge of the bed, exhausted and wishing I could lay back down for a few more hours.

My mind was doing a number on me. I had to get up and try to call the doctor again with no response after yesterday’s call.  ER doctors don’t usually participate in any aftercare for patients they’ve seen on an emergency basis.

We no longer have a primary care doctor. It’s simply been too long since we last visited our former doctor in Minnesota, which was in September 2012, a month before we left. 

The egret couched down watching me open the door to take the photo.

I knew he wouldn’t participate in any health care questions at this late date when several months ago, I inquired to the Minnesota clinic with an online request for a relatively innocuous medication refill, never receiving a response. At that point, I knew he was no longer in our court. Too much time had passed. We get this. They have “rules.” 

Travelers maintaining a home base would have no difficulty contacting their primary care physician for advice.  Although in Hawaii, prescriptions can’t be “called in” from an out-of-state physician.

It’s a little late to establish a relationship with a doctor in a private office or medical clinic in Kauai. Besides, none of the testing equipment required for a diagnosis is readily available at any of the local clinics and a trip to the Wilcox Memorial Hospital in Lihue would be required. 

This morning’s view from our lanai while it rained off and on.

From what we’ve discovered most doctors refer patients to the hospital if their condition can’t readily be treated with meds. I suppose this is not unlike many clinics worldwide, let alone in the US.

Finally, this morning at 7:00 am I reached the ER doctor I’d seen on Friday asking for a different, perhaps more effective antibiotic. This is often necessary with a variety of infections, which don’t respond well to a particular drug which seems to be my case at the moment.

Ah, the perils of world traveling without a home base!  We knew this going in. We also knew that having only major medical insurance (which pays 100% of any hospital stays, doctors, tests, and medications rendered while in the hospital) would be a risk. 

I edited this photo to be dark in order to show the two rainbows that developed after the rain.

By purchasing the international policy, we chose the option of major medical only or paying outrageous fees to include doctor visits. However, if we had made a choice to include doctor/outpatient services, the policy still didn’t include any necessary medical care as long as we’re in the US, as we are now. 

Since Medicare doesn’t pay outside the US, we opted out of Medicare’s Plan B which pays doctor visits with a copay of as much as 20% for which most seniors purchase an additional policy. This would not be a sensible option for most senior travelers especially those who periodically return to a home base. They can easily purchase a specific travel policy for their trips, event by event.

This individual trip policy was also not available to us when our lives consist of one continuous “trip.” No such policy exists for us other than the 12-month international policy that we purchased almost three years ago and renew each year.

It was raining when we got this rainbow shot. If the hill and the trees hadn’t been in the way we’d have been able to see the end of the rainbow in the ocean.

When we consider the potential out of pocket costs for tests at a hospital, we cringe but fully accept that potential no matter where we may be. We’ve dodged a bullet to date but, we knew sooner or later the scenario could change on a dime.

In any case, the ER doctor refused to “call-in” a different prescription without my having additional tests. We understand her dilemma. As an alternative, I presented her a list of all of the antibiotics we currently have on hand and she suggested Cipro, the “big guns” for infections. 

She emphatically stated that if I’m not better 48 hours after taking Cipro which will be Thursday, we’ll be heading to the hospital for more tests. Both Tom and I agree that this is our only option. At that point, it will be only 10 days until we depart on the cruise. 

It’s hard not to appreciate the seeming magic of a rainbow.

What do ex-pats do in these cases? They either purchase insurance available in the country in which they live, purchase international insurance such as ours, or in some cases, pay for medical care out of their pocket when medical costs in some “retiree friendly” countries are surprisingly inexpensive. 

From what we’ve read online to date, a typical doctor’s office visit in Australia may be around US $50, as opposed to $100’s in the US. Once we arrive in Australia, we won’t hesitate to see a doctor if we deem it necessary at the time.

These berries on this plant remind me of Christmas.

If this illness had occurred a few months ago I would have followed the doctor’s instructions and not given it much of a thought. The current time constraint is weighing heavily on my mind at the moment.

My sister Julie worriedly reminded me of how many times we’ve been sick since we left the US, more often me than Tom. I must admit that at least twice a year I’ve picked up some type of infection, viral or bacterial.

With a history of inclement health for most of my life (mostly due to heredity and inflammation), my immune system continues to remain vulnerable regardless of how hard I’ve tried to offset it. It was equally precarious when we lived in Minnesota, still contacting some type of virus, sinus infection, or respiratory infection once or twice a year. 

Sunset from the front lanai.

Then again, how many of us don’t “catch” something once or twice a year? Tom would push through such conditions and continue to work as did many of the guys he worked with on the railroad, often infecting one another while working in close quarters on a train. 

Having a home base has what we now refer to as “luxuries” that come with it; easy access to medical care, cable TV, working cell phones, appliances such as a clothes dryer, quality Internet services, shopping centers, and grocery stores with familiar products and services.

We don’t share this personal story to elicit sympathy, although bless the hearts of many of our readers for sending their good wishes. We continue to tell our story for the purposes of sharing both the good and the bad of what it’s like to be traveling the world without a home base. 

And, we appreciate the beauty of flowers blooming in the treetops at a distance from the lanai.

The vulnerability we express here at times even surprises us when in our old lives, we only shared a degree of personal information with our close family members and friends.

How foolish we’d be to hide the realities of our daily lives only sharing the details of the most exciting of locations and adventures. With that, we’d only be a travel log, extolling the virtues of where we’ve been, and what we’ve seen, a place for a degree of braggadocio. The manner in which we share our lives is done so with a much bigger intent; truth and reality.  

We have no doubt that at times, some of our readers may become bored with our truth, reality and mindless drivel. Then again, daily life for most of us is mundane at times, isn’t it?

We’ve come to appreciate the simplest of life’s amenities, never taking for granted that which is available to us, including the potential of more medical care in Hawaii. If we must go, we will. If we luck out and I’m well again in a few days, it will be time to rejoice and start packing!

Have a superb day!

                                             Photo from one year ago today, May 12, 2014:

A year ago today, we were three days from leaving Morocco. We were definitely ready to be on the move. For details on that day, please click here.