Budgeting, wills and taxes…

Its been nagging at me.  I think about it every day with a sense of dread. 

On the massive Excel spreadsheet, I created for our 5 to 10-year worldwide journey, there is a worksheet page entitled “To Do in Scottsdale.”  It contains all the paperwork tasks we’ve had to complete before leaving the country on January 3, 2013. 

“To Do” lists never intimidated me, no matter how lengthy. I’ve always taken great comfort it chipping away at task after task ensuring each one completed in its entirety before going on to the next. 

Yes, I know.  I’m rather obsessive. We live with that.  It doesn’t intrude in the enjoyment of our lives, we don’t fight about it and it doesn’t prevent us from a rich and full life. 

Perhaps, in a certain way, it adds to our lives by eliminating thoughts of all the “things” we have to do.  One by one, I chip away at them, freeing our thoughts to more fulfilling moments.  No one ever heard me say, “Oh, I can’t come to the party ’cause I have to fill out forms.”  Never.

So, on that “To Do in Scottsdale” sheet we’ve knocked off everything (many of which I posted here and there) except for the following:
1.  Prepare and get new wills notarized (our bank here will notarize at no cost)
2.  Prepare and get new Living Wills and health care directives notarized.
3.  Prepare our taxes up to date, amending the last two weeks of this month at the end of the month forwarding everything to our accountant by snail mail. 

Oh, tax prep, I despise this task!  Always have, always will. Yesterday, I began the process and today, it will be completed except for additions as mentioned above. 

We couldn’t imagine living in Belize, steps from the ocean and ever feeling like going through that bag of receipts, let alone hauling them along with us. In future years, we’ll have used our handy Doxie portable scanner, saving all tax-related items.  Much easier to do as we go then dread it all along.

A few people have asked, “Will you still file tax returns and pay taxes in the US?”  The answer is “yes,” always. We will always remain US citizens, as do many ex-pats living outside the US. 

Having saved every receipt for absolutely every dime we have spent since leaving Minnesota on October 31, 2012, it was also time to enter our “actual” costs into that budgeting expense record.  Upon completing the tax portion which I will finalize today, I started totaling the other expenses, such as food and entertainment.

Our total cost for the three-day drive to Scottsdale $780.  We had budgeted $1065 but arrived one day early.  Fortunately, the property manager didn’t charge us for arriving a day early but had he, we still would have been within the budget.

Preparing the taxes and totaling the receipts (all of which we’ve saved) finally enable us to see how we’re doing on our budget.  As I mentioned, going forward, we’ll log (scan) and toss each receipt as the expense occurs to avoid hauling around a growing bag of receipts.

Here’s where we are so far for the variable expenses for food and entertainment with only 18 days left in 2012.

Groceries for Scottsdale
Budget:  $ 1700.00     Actual: $ 696.00

Dining Out & Entertainment for Scottsdale 
Budget:  $  300.00      Actual: $501.00

Total Budget for Groceries and Entertainment for two months: $ 2000.00
Actual (so far):                                                                   $ 1197.00
Balance available until we leave for Henderson next week:     $   803.00

Groceries for upcoming 8 days in Henderson over the holidays
Budget: $ 600.00

Dining Out & Entertainment for upcoming 8 days in Henderson over holidays:
Budget: $ 450.00

We’ve been in Scottsdale 40 days as of today, arriving on November 3rd for an average cost of $30 per day.  With 6 more days until we leave for Henderson, we’ll plan to spend another $180 for a total of $1377, leaving us an overage of $623.00.  Thus, our total available for Henderson is $1673.

Preferably, it won’t be necessary to use this overage, putting us ahead of our budget right out of the chute.  We’ll see how it goes, posting our “actual” costs later.  Of course, there are other costs we are reviewing and will be posting as we go along.

Today, I will finish the tax prep after my trip to the health club, leaving the file ready to receive the remainder of this month.  Tomorrow, we will re-do our wills bringing them up-to-date and re-do our living wills, getting them notarized at the end of the day.

Also, VisaHQ, our visa, and passport processing company, sent us an email that our second passports will be in our mail within one week.  Yeah!  We did all the paperwork correctly! 

By this weekend, we can relax knowing that the worst of our paperwork is done, a huge relief.

Isn’t this part fun?

Oh, no!…Tom’s clothes don’t fit…

The risk was real.  Tom was losing weight while I packed for our 5-10 years on the road, traveling the world.  Some suggested we bring one duffel bag each. If we were going for a weekend, that would have made sense. 

We have no home to go back to and repack.  We have no place to go and do laundry and get ready for another round.  Dirty clothes, travel with us.  So, we packed big.  When we arrive at our various vacation homes, we’ll wash clothes.  On ships, we’ll place them in a cloth laundry bag to haul to our next location.

We are OK with this. It’s been discussed at length. So we each have three bags, a carry-on, a computer bag, a purse and, two 250 pound capacity wheeling carts that hold it all.  Once we go to Africa and return to Europe, we’ll mail our big boots and Africa clothes back to Nevada in order to lighten the load (thanks again, son Richard).

We had decided that toward the end of our time in Scottsdale that we would repack, suctioning the air out of our Space Bags, sorting cruise suitcases from the others. This way we’d only have to open one or two bags each during the cruise.  This idea came to us only after the bags were already packed months ago.

When I shopped for Tom last summer, he was down about 30 pounds.  The weight loss had slowed to a snail’s pace and honesty, I didn’t think for a moment that he’d lose another 20 pounds.  We were enjoying our way of eating (low carb, grain-free, sugar-free, starch-free) and he was losing about one pound a month at that point.  Who knew?

When he started eating this way 16 months ago, he wore size 44 pants, mainly due to his belly, certainly not the rest.  When I purchased his new clothes, I purchased size 38 pants and XL shirts figuring at the very most he’d lose another three or four pounds until we left the US, thus not affecting the fit. 

Since shortly before we left Minnesota, he’s since lost another 20 pounds now down a total of almost 50.  Wow!

Who cares about clothes?  My man is healthy and slim! His health had a complete turnaround.  He’s now a size 34.  Yesterday, we unpacked all of his clothes.  There are 18 (yes, 18) pairs of a combination of shorts, casual khaki pants, dress khaki pants, jeans, and dress/suit pants (for formal nights on cruises) that would fall off him if he wore them. And I mean falling off! They look ridiculous! 

We can salvage the swimsuits. They have the string ties in the waistbands. OK. Guys wear baggy swimwear, don’t they? But the pants have to go! 

Today we are taking everything to an alterations shop in Old Town with the thought that we’ll only have the dress pants altered.  We’re bringing along the other 15 items.  Maybe, just maybe, the tailor will be willing to give us a deal on the lot of them, getting them done in less than three weeks  Unlikely.  It will probably cost less to start over.

If the tailor is not cooperative, we’ll go shopping this week in Scottsdale to replace everything.  There’s no time to shop online with only a week until we leave for Henderson, Nevada for eight days for Christmas with family.  We’ll have no time while we’re there.  Plus sales tax is higher in NV as opposed to AZ.

Tom despises shopping but I’m fast. He can wait in a try-on room while I’ll throw the pants at him. He can bring his phone and play Angry Birds while he’s waiting.  It will be OK.

Hum, 10 inches lost in the waist. Remarkable! Better health. Amazing! Perfect colonoscopy and endoscopy results.  Astounding!  No more IBS.  Impressive!

Able to carry bags without puffing and panting. Yeah! Who cares about buying new pants? No one.

Here’s our updated itinerary!…

Locations Days Dates
Minnesota to Scottsdale 4 11/1/2012 – 11/4/2012
Scottsdale 61 11/4/2012 – 1/2/2013
Scottsdale to Las Vegas – Vacation Home 8 12/19/2012-1/1/2013
Scottsdale to San Diego – stay with family 2 1/1/2013-1/3/2013
Cruise San
Diego to Fort Lauderdale – Panama Canal 
15 1/3/2013 -1/18/2013
Fort Lauderdale to Boca – stay with a friend 3 1/18/2012 – 1/20/2013
Cruise-Fort
Lauderdale to Belize 
8 1/21/2013-1/29/2013
Belize Rental – House on the beach, Placencia 60 1/29/2013 – 3/31/2013
Belize Rental – House on
beach, Ambergris Caye
8 4/1/2013-4/9/2013
Cruise Belize to Miami  – Cruise 3 4/9/2013 – 4/13/2013
Cruise Miami to Miami  – Cruise 7 4/13/2013-4/20/2013
Cruise Miami to Barcelona
Cruise
11 4/20/2013 -5/1/2013
Cruise Barcelona to Mallorca 4 5/1/2013 – 5/5/2013
Barcelona Hotel  1 5/5/2013 – 5/6/2013
Cruise Barcelona to Dubai 15 5/6/2012 – 5/21/2013
Dubai Condo – High Rise Tower
overlooking Palm Island
13 5/21/2013 – 6/3/2013
Flight Dubai to Barcelona 0 6/3/2013-6/3/2013
Hotel Barcelona 1 6/3/2013-6/4/2013
Barcelona to Venice – Cruise 12 6/4/2013-6/16/2013
Venice to Tuscany – Train 0 6/16/2013
Tuscany Rental – 17th-century villa 76 6/16/2013 – 8/30/2013
Tuscany to Rome – Train 0 8/31/2013
Rome to Kenya – Flight 2 9/1/2013
Kenya Rental – Diani Beach house 90 9/1/2013 -11/30/2013
Kenya to South Africa – Flight 1 11/30/2013
South Africa Rental – Kruger National Park – House 116 12/1/2013-3/26/2014
Kruger National Park to Durban, South Africa – driver 0 3/26/2014
Durban to
Cape Town – Cruise -Not available yet
4 3/26/2014 – 3/30/2014
Cape Town to Genoa Italy –
Cruise- Not available yet
18 3/30/2014 – 4/17/2014
Drive Genoa, Italy along French Rivera to Cannes 1 4/17/2014
– 4/18/2014
Cannes to 16th Century Stone House, Cajarc, France 30 4/18/2014 – 5/17/2014
Stone House to Lisbon Airport – Flight to Madeira 1 5/18/2014
Liliana’s Village, Island
Madeira House overlooks the sea
76 5/18/2014-7/31/2014
Spain, France, London rentals – not booked yet 62 8/1/2014-9/17/2014
London to Fort Lauderdale –
Cruise – Not available yet
14 9/17/2014-10/1/2014
Fort Lauderdale to Boca – stay with a friend 4 10/1/2014-10/5/2014
Fort Lauderdale  to San Diego- Cruise – Not available yet 14 10/5/2014-10/19/2014
Ensenada Hotel 3 10/19/2014-10/22/2014
Ensenada to
Honolulu- Cruise – Not available yet
11 10/22/2014-11/2/2014
Hawaii Rental -Not booked yet-awaiting cruise postings 43 11/2/2014-12/15/2014
Hawaii Rental – Big Island
House
30 12/15/2014-1/14/2015
Hawaii Rental -Kauai Condo 120 1/15/2015-5/14/2015
Estimated Total Days  952
5/14/2015
on-continue booking worldwide locations 

Never been cruising?…What????…

Many have laughed when we say that we have never been on a cruise and now, we’ve booked eight cruises.  How risky, they say.  We ask, “What’s the risk?”

When we’ve dared to ask what they perceive as the risk, here are the answers:

1.  Seasickness:  Unlikely, since both of us are avid boaters.  If we could avoid seasickness bouncing around in a small fishing boat on a very windy day on Mille Lacs Lake in Minnesota with nary a thought about seasickness, it’s highly unlikely we’ll get sick on a giant ship with built-in stabilizers.  Backup plan: we have several prescribed packets of Transderm Scop.

2.  Boredom:  Nope, not likely.  Tom and I are easily entertained. We will participate in many activities, meet people, play cards, attend classes, and relax in a chaise lounge by the pool reading downloaded books on our phones.  The options to be entertained are endless.

3.  The food will be a problem with our limited diet:  Why would the food be a problem?  We eat.  They have food.  Will we be tempted on occasion to try something we don’t normally eat? Sure.  But we’ll remind ourselves every day that our ability to travel the world is predicated upon our good health. Why jeopardize feeling well for even one day for a French pastry?  To me, it’s not worth it. For Tom, he may occasionally try a few items.  Neither of us will judge the other for their personal decisions, although we’ll continue to offer loving support on staying the course. 

4.  Tiny, cramped cabin: We booked a balcony cabin for each cruise and managed a few upgrades to mini-suites. We’ll spend little time in our cabin. Our world-travel bags currently are all in our bedroom here in Scottsdale, only slightly larger than a cabin (we measured).  We’ll stack them neatly in one area.  We’re tidy.  We’ll be fine.

5.  Extra charges aboard cruise:  As discussed in a post from earlier in the week, we’ve made decisions in advance, based on our budget as to what extras we will choose:  purchase Internet time, purchase cocktails when desired (not the overpriced beverage package unfitting a lightweight drinker) and experience one or two excursions.  (The exception to that will be the upcoming cruise to Dubai in May to see Giza, the Sphinx, and the Great Pyramids.  We’ll do all of these!)  Neither of us cares for professional massages, spa treatments, gambling, or spending money in the expensive shops. We have no room for trinkets in our bags.  We may incur a laundry charge aboard ship most likely upwards of $100 a load.  We’ve budgeted for the expenses that we anticipate and, leaving a margin for the unknowns.

I guess it all boils down to this: self-control.  We need only to remind ourselves of our next adventure, our next juicy steak topped with mushrooms and onions, our next refreshing glass of iced tea with a slice of lemon, and of course, the person we love sitting beside us who makes us laugh warms our heart and holds our hand through it all. 

Yesterday, while checking in online with Celebrity Cruise Line for our first upcoming cruise on January 3, 2013, we perused information for our later cruise leaving Miami on January 21, 2013 sailing to Belize where we’ll live for two and a half months on each of the peninsulas of Placencia and Ambergris Caye. 

We’ll be disembarking in Belize City, three days prior to the end of the cruise.  (We have written approval from the cruise line to disembark early).  We’ve discovered that the pier in Belize City is too shallow for cruise ships to dock and thus, we’ll be “tendered” to shore via a smaller boat. 

For a moment we both panicked envisioning the process of maneuvering our eight pieces of luggage, our computer and digital equipment bags, my handbag, and ourselves into a small boat.  This morning, after a fitful night we promptly called the cruise line to discover that the boat picking us up will be boarded via a large stable ramp to awaiting boats holding anywhere from 100 to 200 passengers at a time.  We’ll not only have assistance from the ship’s employees but also the staff on the smaller boats since they also assist passengers as they are boarding.  No fear!  Whew!

There’s no doubt that the simplicity of our “old” life avoided such decisions, avoided such challenges, avoided such risks.  In the perpetual search for familiarity, comfort, and ease, we found ourselves, happy but stuck in a groove we could have blissfully stayed as we lived out our lives in retirement. 

We’ve chosen “the road less traveled” to challenge ourselves, to expand our knowledge, to enhance our personal histories, and to celebrate and appreciate the amazing world and the people in it.  We’ll make some bad decisions, we’ll make some wrong turns, and at times we may wonder, “why are we doing this?”  But we’ll do this together, we’ll learn together and we’ll marvel together, always grateful and always in love.

Tom’s day for tests…

Most often I write the post for this blog every other morning.  This morning, as typical for medical procedures, we must be out the door before 8 am.  Tom is having both his colonoscopy and endoscopy, the final medical tests before we leave the US, four weeks from today.

Yesterday, was “clear liquids only” day.  He amazed me how well he did without a single complaint about hunger.  Since we’ve been on our low carb, gluten-free diet, either of us is seldom hungry, certainly never ravenous. It’s ironic how, when you feed your body what it needs, whole nutritious food, it sends out a few hunger signals.

Recently, we decided to stop eating based on the clock. Could we get our appetites in sync eating whenever we felt hungry as opposed to the time of day? Did the caveman watch a clock and go out and kill his meal in time for lunch or dinner? 

Hardly.  Most likely he hunted and gathered food for himself and his family, preparing it quickly to prevent spoilage which they consumed until stuffed, perhaps not eating again for another day or two.  Maybe we are meant to eat the same way to a degree. 

It’s not so much about hunting for our food in this modern world, but gathering our ingredients to create a healthful, nourishing and delicious meal to be fully enjoyed, eating again only when we’re hungry.  Both Tom and I love this concept.  Over the past several weeks, we’ve had dinner at varying times, huge breakfasts, and no dinner later that day, and now, for the first time, no real food all day.

So, yesterday, when “my hunter” was unable to hunt, I decided that I too would follow along and consume only simple liquids.  In this temporary home, smaller than that which we are used to,  there would be no place for me to eat without him smelling and seeing the food.  His gentle soul encouraged me to have whatever I wanted and he’d be fine. Instead, I decided to join him in this one day fast.

I considered making myself liver and onions, which he dislikes, but figured the smell might be intolerable on an empty stomach.  Instead, we ate a few sugar-free Popsicles, chicken bouillon, sugar-free Jello that I’d made the night before and plenty of iced tea and purified water.  We made it through the evening, hardly giving it a second thought as the day wore on.

At 5 PM he drank the first of two 6 ounce bottles of the prescribed SUPREP (with a ridiculous retail price of $75.  We paid a $25 co-pay) mixed with 10 ounces of water and the same again this morning at 5 AM, each time followed by an entire quart of water within an hour. 

He managed to chug down the 16 ounces of nasty tasting liquid along with the required quart of within an hour.  Nonetheless, it worked. Surprisingly, he slept through the night to be awakened by my cell phone alarm clock going off at 5 AM.  After the same drinking process again this morning, the results continued. All in all, the prep was relatively easy. 

If you have hesitated to have a colonoscopy due to fear of the prep, please reconsider.  A day at home watching mindless TV, lots of liquids, a few minutes of chugging a foul-tasting drink, multiple trips to the loo, and the first phase is over.
 
So, this morning we’re preparing to go out the door for the appointment soon for the second phase.  We’ll be reporting back here later today with what we hope and pray will be great results…that all is well and we may proceed with our plans to travel the world for as long as we want, as long as our health holds out until we get tired until we are sick of our bags or until we find a place along the way, that we mutually agree is truly where we’ll call “home.”  One never knows.

11:15 AM – We’re back from Tom’s test.  His signs of Barrett’s esophagus are gone!  He has no polyps!  The visible signs of irritable bowel are gone!  Dr. Larry Pass, here in Scottsdale, tells Tom to keep “doing what you’ve been doing!”  Our healthy diet has paid off in only 16 months. 

We hoped for this good result since Tom’s acid reflux disappeared within 30 days on this way of eating:  low carb, grain-free, wheat-free, starch-free, and sugar-free (no corn, no rice, no beans, no grains of any type). Plus, he’s lost 50 pounds of belly fat since August 2011!

We’re free to breathe easy knowing we can continue with our plans to travel the world. We are grateful.  We are relieved.  Perhaps, now, we can begin to allow ourselves the privilege of getting excited without trepidation and without hesitation. 

Now I must jump over to Dr. William Davis’s blog and thank him for the great inspiration he offered us when we read his book, Wheat Belly so many months ago.  Thank you, Dr. Davis!

Cruise decisions…

As the date for our first cruise inches closer, we find we must make some decisions about our upcoming cruising experiences.

Our first cruise, on Celebrity Century, has had a price increase since we booked it many months ago.  We paid $2199 plus tips and taxes for a balcony cabin, for a total of $5545 for the two of us, a locked-in price.  If purchased now, the total for two would be around the $9500 range (at $4199 each) with tips and taxes, $4000 more.

Here’s the current pricing information directly from our cruise booking company Vacations to Go

15 nights departing January 3, 2013 on
Celebrity’s Celebrity Century
Brochure Inside $1,449
The  Inside $1,049
You Save 28%
Brochure Oceanview $2,449
The Oceanview $2,449
You Save 0%
Brochure Balcony $4,199
The Balcony $4,199
You Save 0%
       
Thu Jan 3 San Diego, CA 4:00pm
Fri Jan 4 At Sea
Sat Jan 5 Cabo San Lucas, Mexico 11:00am 6:00pm
Sun Jan 6 Puerto Vallarta, Mexico 12:30pm 7:30pm
Mon Jan 7 At Sea
Tue Jan 8 At Sea
Wed Jan 9 Puerto Quetzal, Guatemala 7:00am 6:00pm
Thu Jan 10 At Sea
Fri Jan 11 Puntarenas, Costa Rica 7:00am 6:00pm
Sat Jan 12 At Sea
Sun Jan 13 Panama Canal (Full Transit) 6:00am 6:00pm
Mon Jan 14 Colon, Panama 6:00am 4:00pm
Tue Jan 15 Cartagena, Colombia 9:00 am 4:00pm
Wed Jan 16 At Sea
Thu Jan 17 At Sea
Fri Jan 18 Fort Lauderdale, FL 7:00 am

We decided when booking this first cruise that we would exercise our right to “buyer beware” by educating ourselves to the possible “up” charges that inevitably exist on cruises.  After reading reviews over these past several months, talking to experienced cruisers, and more recently calling the cruise line and asking questions, we feel satisfied that we have an idea as to potential additional charges. Over and again, we’ve heard from experienced cruisers as to the shock of seeing their “tab” at the end of their cruise, always backed up by a credit card, leaving no margin for negotiations or adjustments. 

One big point of discussion for us has been as to whether or not to purchase a “beverage package” for Tom.  I seldom drink alcohol.  Mostly, I drink copious amounts of iced tea or hot tea which is provided at no additional cost.  Tom, when socializing, may enjoy a few cocktails, otherwise, he doesn’t drink at all.  His drink of choice is Courvoisier, a pricey cognac, which we discovered would be $8 per cocktail plus a 15% tip.

The beverage package that works for his cocktail of choice is $810 (just for him!) for the length of the cruise, allowing him to drink all he wants and includes tips.  For one second we considered this.  He feels he cannot justify the expense since he doesn’t want to feel like he is pressured into getting his money’s worth.

On the other hand, I don’t want him to feel he can’t have a cocktail when he wants one so we went to work and did the math.

If he has three cocktails a night (highly unlikely he’ll drink every night), the total would be $27.60 per night x 15 nights for a total of $414.  Considering that some nights he won’t drink any alcohol but instead may have a non-included soda, we feel comfortable that the drink bill won’t exceed $400. 

Then, there’s the question of dining in any of the non-included restaurants. It’s unlikely we’ll choose to dine in these extra-charge restaurants due to our limited low carb, grain, sugar, and starch free diet. The exception to this would be a social situation whereby fellow travelers we’ve befriended invite us to join them at one of these restaurants. We’ll decide at the time if it makes sense to bear the added expense. We aren’t “tightwads.”  We’re world travelers with a desire to continue traveling for as long as our health holds out and that we stay within the budget we’ve established for our travels. 

We’ve allowed ourselves an average of $75 per day for extras on cruises.  If our alcohol beverage budget is $27.60 per day, that leaves us $47.40 per day in other extras. 

The next expense we’ll most certainly incur is the cost of Internet access on the cruise. At a cost of $395 for the 15 days, we will each be allowed 60 minutes of Internet access per day. (There were other less costly packages available but, cost per minute increased with lower minute packages).

As a result, I will write the blog offline then go online for posting, editing, and adding photos. This amount uses up $26.33 per day leaving us $21.00 per day average for incidentals which is enough for us to go on two excursions if we so choose.

Our habits of researching our travels, mindless reading online will literally be metered while we’re on a cruise.  Odd?  Yes, but do-able. We’ll have plenty to do to keep us occupied leaving us ample time to read one of many pre-downloaded books. 

Oops, there’s another task we must complete before the month ends…download books to the Kindle app on our phones and laptops, all of which may be read offline. It’s easy for me to imagine sitting in a lounge chair on the deck of the ship reading, NeanderThin: Eat to Achieve a Lean, Strong, Healthy Body” while Tom peruses, “The Family Tree Problem Solver: Tried-and-True Tactics for Tracing Elusive Ancestors.”    Ah, nice.

P.S.  Please excuse gaps in editing.  When copying and pasting from other websites, spacing becomes an issue in Blogger.

Living in Scottsdale, budgeting for this life..

Our Scottsdale dining table set for tonight’s dinner guests. Much to my amazement, there were linen napkins and placemats in the condo.  Five for dinner tonight.

We’ve been living in Old Town Scottsdale for almost a month, an ideal area for travelers.  Within a mile to the upscale shopping mall in downtown Scottsdale, walking distance to the Arts Walk District in Old Town, a mere 10-minute walk from our condo, we are literally within range of hundreds of eateries, shopping, and entertainment.

Fine dining is abundant as well as casual theme orientated bistros, cafes, and local versions of fast food, this area is limited in the usual sprinkling of chain restaurants, a delight to see.

While living in Minnesota, far from everything, we seldom dined out.  Tom drove almost an hour each way to work and back and the thought of a long drive to dining out was never appealing to us on the weekends.  We always blamed it on the fact that I enjoyed cooking and we loved lounging at home.

Now, we’ve confirmed that it was the drive more than anything that kept us away.  Living close to everything prompts us to look at one another each day asking, “Shall we go out to breakfast?” or “Want to go out to dinner tonight?”

Fast and furiously my fingers are flying across the keyboard reading the multitude of online reviews for the local restaurants.  We have yet to venture out to the half-hour drive to the McCormick Ranch area, where I had tried to find us a vacation home to rent for the two months, finding nothing under $4000 a month.  

Living in our well equipped and well kept 1100 square foot one-bedroom, poolside condo, we’ve been content.  The high-speed Internet works, although problematic when we first arrived, fixed immediately by the management company, allowing us to continue to work on our technology and research. 

View from our dining/living room in Scottsdale condo.

The kitchen has every gadget known to man/woman, except a rolling pin (I thought of making low carb tortillas, scrounging around looking for one).  There’s linen placemats and napkins (yeah!) and reasonably nice dishes.  The frying pan situation is lacking with one difficult to clean stainless steel pan and another old flaky Teflon pan I refuse to use. 

I’ve made breakfast using Reynold’s No Stick foil (on the dull side) on a glass 13 x 9″ pan, placing the sausages and bacon in the oven at 375 degrees to bake for 20 minutes while the huge low carb, gluten-free pancake bakes in the same time frame in a pie plate, again covered with the foil.  In the last four minutes I drop the eggs into the pan I used for the bacon and sausages.  Voila! We have a delicious baked breakfast and I must admit perfect jumbo pancake and eggs.

One might think it would make sense to buy a $10 pan while here for two months, but I decided long ago… improvise.  There will be vacation homes around the world severely lacking in many of the amenities we’ve enjoyed in the past.  Change and flexibility are in order going forward.

Last night we went out to dinner at a local diner in Old Town, David’s Hamburgers for one of the best bun-less burgers on the planet.  We’d gone there for a great breakfast on Thursday morning. 

Upon ordering the lettuce wrapped avocado adorned, stringy cheese, crisp onion, and fresh tomato covered burger for breakfast, I told Tom we must come back here for him to enjoy the same for dinner after he had eaten eggs, bacon, and sausage for breakfast. 

Drooling over the prospect of another of those burgers for two days, we went back last night enjoying a great reasonably priced meal in the cozy diner before attending another hilarious night at The Comedy Spot also in Old Town. 

We’re already “regulars” in Old Town as many of the seniors moseying around the area have become. Perhaps, the comfort of the familiar goes hand-in-hand with being a senior citizen.  In simple terms, “love the one you’re with.”

Living on a strict budget, documenting every expenditure makes us conscious of how we spend our money.  Now on a more fixed income, committed to all of our future travel plans, its imperative to continue to refer to our pre-planned budget so meticulously outlined on our Excel workbook with multiple spreadsheets. 

We have local copies of our budget saved to both of our laptops, to DropBox and also to SkyDrive, the cloud that came with Windows 8 and, of course on our new My Passport 2 terabyte external hard drive.  It’s safe.  

With that budget in mind, we’ve only dined in more upscale ($$$) restaurants three times since we’ve arrived in Scottsdale, each time spending $100-$120 with tips. Having budgeted for a few of these such occasions each month, we were comfortable spending the money. 

Our budget allows for $800 a month in groceries and approximately $300 a month for entertainment.  If we spend less on groceries, we have more for entertainment or we can roll it over to extras we may purchase on our upcoming eight cruises. 

Some may cringe at the thought of two people spending $800 a month on groceries.  Based on our diet of mostly organic vegetables and grass-fed meat, occasionally entertaining others, beverages, purified water, paper products, and cleaning supplies, we have found it nearly impossible to trim this number. 

Without a doubt, it will be near this number in other locales, although the grass-fed meat may be more economic in some parts of the world where it is more prevalent than the grain-fed meat supply here in the US.  We shall see and report back later.

Tomorrow, Monday, we’ll purchase two cashier’s checks made out to the US Department of State for $170 each to send to VisaHQ along with all the necessary completed forms, after paying their $154 in processing fees, to apply for our 2nd passports with extra pages.  They’ll be awaiting us at our mailing service in Las Vegas when we’ll head to Henderson to spend Tom’s 60th birthday on the 23rd and Christmas with family in yet another vacation home.

Lots of details, aren’t there?  When speaking with my wonderful friend Chere on Friday, a loyal reader of this blog, we both marveled at how travelers managed to explore the world before technology, before credit cards, before cell phones, before the Internet, before cameras, and before the myriad gadgets we use today. 

This left me asking, “what benefits do we derive having the availability of all of these resources?”  Convenience, simplicity, preparedness, and awareness, all of which could fly out the window in a single moment if something goes wrong. 

Oh.

New unlocked phone ready to go…

The Motorola Razer Maxx that arrived on Wednesday is now activated, loaded with my contacts, my email, all my apps, and of course, has a slot ready to receive the first SIM card, we will soon install, along with adding a SIM card to Tom’s unlocked SIM card-ready Motorola Razer.

As I had mentioned in the last post about our phones, the newer smartphones come with a slot only suitable for a micro SIM card as opposed to a standard SIM card which is much larger.  Many countries only offer standard-size cards.  This was a concern until I found that a nifty device exists, the SIM card adapter.

Needing a case/protector to fit the new phone, that was priced at $25 each at the Verizon store, I researched my favorite cell phone supply site:  www.cellphoneshop.net.  There, I purchased the appropriate case for the phone and the SIM card adapter for a grand total of $9.97 including shipping.

If you shop there, use the coupon code: “freeship2 ” (minus the quotes) for free shipping on orders over $20.  I only spent $6 for the two items happily paying the $3.97 shipping fee.  It would have been over $38 for the two items purchased elsewhere.  I’ve been shopping at that site for years, extremely pleased with their products, pricing, return policy (only returned an item once), and customer service.

Much to my delight, the 368 photos I had on my phone automatically loaded to my Dropbox cloud on both my new phone and now to my Windows 8 laptop.  On numerous occasions, I’ve tried to move the photos on my old DroidX phone to my computer.  No matter how hard I tried, I couldn’t move them over. 

Somewhat adept at this technology stuff, the frustration factor was intense.  At times, I literally spent an hour or more trying to find a solution, utilizing software, apps, cables, Bluetooth, and sheer determination to no avail.

Yesterday, while setting up the new phone with most of my apps rolling over, Dropbox “suggested” we move over the smartphone photos.  “YES!”  I hollered at Dropbox. “YES!  Do it!!”

An hour later all the photos of those precious grandkids, Mother Nature’s whimsical morsels, those adorable dogs we’ve so much treasured, and the special foods lovingly prepared, finally in the Dropbox folder on my computer and my new phone. 

As much as I love learning technology, at times I am totally oblivious of how things work.  It was a total surprise to me that my old Droid X phone, now de-activated actually still picks up a WiFi signal and can be used to go online.  Had I taken the time to think about this, it makes all the sense in the world.  Live and learn.

Now, I am challenged by how we can use this 3rd WiFi receiving device (my old phone) when we already have two unlocked smartphones ready to install SIM cards in any country in which we’ll travel.  Once we leave the US, five weeks from now, we’ll surely figure it out.  In any case, this 3rd device is coming with us.

I’ll go back to shopping online (to be received at our mail service in Nevada, where we’ll be over the holidays) to find the perfect SIM cards that will not only work with our specific smartphones in any foreign country but also here in the US for the few occasions that we are in Florida between cruise ship sailings. 

Keep in mind, our two contracts with Verizon have expired.  We are under no obligation to continue to be connected with any carrier.  Thus, beginning January 3, 2013, we will request to be disconnected from Verizon and begin utilizing SIM cards for both phone service and data.  Yes, we’ll pay for the data we use via the cards and the calls we make.  Mainly, we’ll be making calls using SKYPE, most often at no charge. 

The data, although expensive using a SIM card will be as much as 90% less than the cost of using data offered by a cell phone provider. Thus, no need for cell service.  When we are using the previously mentioned XCOM Global MiFi device, as needed, in a few of the vacation home where wireless broadband is not available or working, the data on our phones will work from that connection.

In any case, the cost of the MiFi device, which may be needed for about four months a year on average, is roughly $400 a month, averaging annually at $100 a month.  In itself, this is less than we paid for our cell phones and Internet access in our home in the past. (When using the device from XCOM Global, which provides data only, we’ll only use the SIM cards for emergency phone calls when we aren’t near our computers to use Skype).

Would the average traveler have to go to this length to figure out how to use their smartphones?  No, a one month vacation or less would not require this much use of technology.  They’d gingerly use international roaming at exorbitant rates, potentially racking up $100’s in data charges if not careful. 

We’ve all heard the stories of youngsters playing games on their phones on cruise ships, resulting in $1000’s in charges that shocked the parents when they later received their final cruise bill payable before disembarking. 

That won’t be us!  We’ve been warned.  We’ll turn off roaming to prevent the cruise ship from charging us any more than we’ll need.  On the cruises, we’ve booked (eight so far) we’ll bite the bullet going online for short periods each day to download our email, upload our photos and of course, post our blog. 

So, enough about phones. On to other matters at hand, such as having guests for dinner this weekend here in Scottsdale, Tom’s two sisters and brother-in-law, and again, the following weekend when friends from Minnesota arrive for the weekend. 

Whew!  It’s about time we begin to relax!  Oh, then there’s Tom’s colonoscopy prep next Wednesday for his two tests next Thursday and taxes to prepare for the year’s end and more technology to learn, and 2nd passports and visa’s to process and the trip to Las Vegas for Christmas and Tom’s 60th birthday party and on and on. 

Tom’s medical prep before traveling…

Years ago, when our kitchen was being remodeled and we had literally no kitchen for six months, Tom began to suffer from a variety of severe intestinal symptoms.  He rapidly lost weight, running back and forth to the bathroom dozens of times each day and night.

One may assume that this was due to the fact we were eating fast food, processed food, or pre-made food products while our kitchen was being remodeled.  It was not. 

During this time, around 2004 our dining room table became our food prep area with various George Foreman grills, an electric skillet, an electric griddle, a toaster oven, two microwave ovens, cutting boards, seasonings, plates, and silverware, which we washed in the bathtub (we don’t like paper plates). 

During this period, we ate that which we perceived, at the time as “normal” meals; a protein, a vegetable or two, a starch, and a salad.  It was winter.  On warmer days, above 30 degrees, we cooked on the outdoor grill.  These were the same type of meals most of us prepare when cooking at home.  Why was he getting so sick?

When the symptoms exacerbated over time, months after the kitchen was done, we made an appointment to go to the Mayo Clinic for a week while poor Tom experienced every gastrointestinal test known to man, many gruesome, uncomfortable and embarrassing.  He didn’t eat a morsel of food for five days.

Diagnosis:  irritable bowel syndrome, commonly referred to as IBS, treatable (they said) by avoiding cruciferous vegetables, too much or too little fiber (which is it?), and medication to calm the digestive track taken three times a day.  Also, he was told he had Barrett’s Esophagus, which required the proton pump inhibitors, now being touted by some researchers as causing serious side effects.

Following this treatment was relatively easy with Tom’s little interest in cruciferous vegetables, general aversion to fiber laden foods, and desire to eat “white” bread, potatoes, and doughnuts.  I must confess, in a desire to please him, I cooked and baked his favorite foods while he faithfully took the medication.  The symptoms continued relentlessly. 

Our lives revolved around pacing our activities in order to be close to a bathroom or, by his not eating at all.  No food.  No symptoms. It was frustrating for him and for me, the official cook in the household, feeling responsible for feeding him foods that caused him severe illness. Its treatment wasn’t so clear cut at the time since we were following a recommendation made by the medical profession.  Could they possibly ill advise us?

After hours of researching online data, the advice was always the same; low fiber, medications, low stress, lots of water, all of which he followed meticulously. 

In 2008, four years since the onset of his symptoms, I stumbled across some information on Celiac disease.  Many of the symptoms suffered by patients with Celiac had symptoms similar to Tom’s.  What did we have to lose to try?  Much to my amazement, Tom agreed to go totally gluten-free for a one month trial.

Filling our cupboards with gluten-free mixes for desserts, coffee cake, doughnuts, and pasta, we began the process of living a gluten-free lifestyle.  I avoided many of these products since they were often filled with high fructose corn syrup and other sugars, which I had “given up” many years ago.  Tom gained weight, eating these high carb sugary foods.

Most of these treats were palatable and he didn’t complain.  Over a period of about three weeks, his symptom improved by about 75%.  We were satisfied with this result and continued along this path for a few years.  With few symptoms of his condition, he gradually incorporated gluten back into his diet. 

Surprisingly, his symptoms didn’t revert to the state they’d been a few years back.  Apparently, without gluten for a while, his intestinal tract healed to a degree and although he wasn’t symptom-free, it was manageable.  He was willing to suffer some problems in order to eat an occasional coffee cake and doughnut.

His weight ballooned to almost 240 pounds, all in the belly.  At barely six feet tall, he was rotund.  My guy, rotund.  During this period of time, the news was filled with stories on the dangers of visceral fat (fat surrounding the internal organs) causing heart disease, cancer, diabetes, and of course, digestive disorders. 

Tom shrugged off the risks, relying upon the longevity in his family while refusing to try any type of diet including gluten-free.

In August 2011, after years of severe full-body pain (which I wrote about in a prior post), I decided to try an anti-inflammation diet when a specialist explained that I’d require a total spinal fusion at some point as my spine continued to deteriorate.  It was August 2011. 

Tom attended my doctor’s appointment with me, for the first time seeing the degree of damage to every disc in my spine on the multiple MRIs from C1 to L5 hearing the doctor extol the virtues of a low inflammation diet. 

However, he suggested going one further step to enhance the possibility of extraordinary results; low carb (keeps blood sugar under control, thus reducing inflammation, according to many researchers at Harvard) no wheat, no grains of any type (no rice), no starch (no corn, no beans), no sugar (no fruit), no chemicals, high-quality grass-fed meat, free-range chickens, limit dairy to butter and hard cheeses, organic produce (when possible).

Miraculously, Tom agreed to follow along with me. He had read an article in the newspaper about the rapid increase in the incidence of Celiac disease over the past 60 years.  Here’s the link to the article that influenced him in going along on this path with me.

We eat eggs and nitrate-free bacon for breakfast, grass-fed meat, organic vegetables, and salad with homemade dressing for dinner every night.  We nibble on nuts and hard cheese and an occasional sweet treat made with Stevia sweetener. 

Now 18 months later, Tom has lost 44 pounds, has NO symptoms of IBS, has quit smoking, has stopped taking seven pills per day, and had stunning blood test results (better than ever) a month before we left Minnesota, as I have done as well. 

I am pain-free (except for that darned shoulder!).  Already slim, I didn’t lose weight during this period.  Nature has a funny way of taking care of its own when we respect the body, feeding it nourishing clean food.

So, this is why we eat the way we do, which we’ve mentioned here before.  Yes, cruises will be hard, especially the “sweets” tables.  However, we would not be able to go on this adventure if we hadn’t followed this way of eating.  Tom was too bulky to haul that luggage.  I was in too much pain to go anywhere, let alone around the world.

Upon the recommendation of our Minnesota physician, amazed at our results, Tom is having a final endoscopy and a colonoscopy next week after having seen a local gastroenterologist yesterday, here in Scottsdale.  He too was amazed by his improvement.  He explained an important point.  One may not have Celiac disease (which Tom will be further tested for next week) and yet be sensitive to gluten. 

A few years ago, he had a DNA test for Celiac Disease, which stated “he had a likelihood of Celiac disease” but was not conclusive. We’ll apprise you of his result after the tests are completed next week.  The only conclusive test is a biopsy of the small intestine, which he will have.

For those of you yet to have a colonoscopy, please follow along with us. (You can sign up to receive an email when we prepare a new post by entering your email on the right side of our site.  You will not be further solicited). 

You may discover that this life-saving test is not painful, difficult, or embarrassing.  The only sacrifice is one day of a clear liquid-only diet and the drive to and from the facility.  IV medication makes this pain free leaving you with little or no memory of the test itself.  You are completely covered up during the procedure. 

I had put it off having this test myself, for almost 10 years, only to be pleasantly surprised at how relatively easy it was.  This will be Tom’s third procedure, required more frequently due to his past bowel issues.

Please understand, we are in no manner, trying to prescribe, diagnose, or claim to have any medical knowledge or experience other than that of the average layperson.  We simply want to share our experience with you, as we will as we travel the world.

Next week, we’ll post the results of Tom drinking the two little bottles of the prescribed,  SUPREP BOWEL PREP KIT, drinking one small bottle at 5 PM, the night before the procedure, and then again at 5:00 AM, the morning of the procedure. 

Once these two tests are completed and, providing the result is good which we expect, Tom will have no further testing until we eventually return to the US. Of course, if he has any new symptoms, we will do so wherever we may be.

His tests are next Thursday morning, December 6th.  We will begin a “blow by blow” description on Wednesday, his prep day, and he what eats and drinks, and his reaction to the two little bottles. Perhaps, not suitable for the squeamish.

Smartphones may not be so smart for world travel…

Many months ago, while researching smart phones for world travel I discovered that no-contract unlocked phones were the way to go.  What is an unlocked phone you may ask?

An unlocked phone is a phone that doesn’t have its system locked to work only on a particular cell phone service’s network.  Thus, no contract.  However, on its own, a mobile phone won’t work.  It requires a method of receiving a signal from the towers and satellites all over the world.

That method, when one doesn’t have a mobile phone company such as Verizon, AT &T or T-Mobile, providing the signal directly to the locked phone, requires that the phone be unlocked (and set free from any service provider.) Then, it requires that a SIM card, a subscriber identity module, be installed enabling the phone to grab onto local cell signals.

In addition, each country operates their own signal on a specific band, not unlike radio signals, requiring the phone to be no less than a quad-band with frequencies that it can access bands of 850 and 1900 MHz commonly used in North America and 900 and 1800 MHz used in other parts of the world. A quad band phone can work in all of these situations.

Our plan was to buy the Nokia Lumia 920 when it hit the market this November.  Patiently, we waited.  We were sorely disappointed, last week, once we began the laborious process of searching for an unlocked version, to discover that finding it reliably unlocked was impossible. 

The only option was to buy it locked from AT & T, who has a monopoly on this model without a contract for $449 and try to find a way to unlock it ourselves since AT & T refused to unlock it for any price.

Unlocking a phone can be easy when given the proper code.  Unfortunately, due to AT & T’s pre-established criteria with Nokia, there was no readily available unlock code.  Many web sites, suspicious and otherwise, claimed that they had the code, offering to sell instructions to unlock it for prices ranging from $29.95 – $199.00. Very risky. 

Also, trying to unlock it under these questionable circumstances could result in damage to the phone rendering it useless and unable to be returned.  Very risky.  We gave up on the Nokia Lumia 920.

After no less than five visits to phone stores in the past three weeks both in Scottsdale and in Henderson, we were almost at a point of giving up being prepared to pay the horrific charges to keep the two Android phones we  currently have for international roaming charges which would be upwards of $500 a month.

Again, this morning we decided to try one more time.  We found our way to a Verizon store, saw another phone we liked that was supposedly unlocked, only available for full price (without a contract) by purchasing online from Verizon’s global department. (All along we were prepared to pay the “full price” for whatever unlocked phone we purchased.  The lower cost options are only available when one commits to a new 2 year contract with the carrier).

Returning home, we finally had an opportunity  spoke to a knowledgeable representative, who explained that the phone we in liked in the store, the LG Intuition, was CMDA, not GSM (GSM is Global System for Mobile, the international standard, required for use with SIM cards and global use). 

“Please,” I asked, “tell me which smart phones you have today that are GSM and unlocked, suitable for world travel. We are ready to purchase right now.”

With the sound of her fingers flying across her keyboard, I waited patiently, almost holding my breath.  Tom and I looked back and forth at one another, hopeful.

Moments later, she said, “Oh, you already have a GSM unlocked phone that works globally.”

WHAT???? My phone was on speaker.  Tom and I looked at each other and gasped at the same time.  We already had such a phone!  She confirmed that Tom’s 11 month old Motorola Droid Razer that  I had purchased for him last year for his birthday in December, was both CDMA and GSM, unlocked and ready for world travel.  My older Droid X was not compatible.

She proceeded to explain how to remove the Verizon SIM card and use the slot to install a micro SIM card in another country, without having a Verizon contract.  Buy one more of these, cancel our existing expired contracts before we leave the US and we’re good to go.

Moments later, we had purchased the Motorola Droid Maxx with the 8 MP camera we wanted, also unlocked, GSM, and ready to use internationally!  In two days we’ll have our new smart phone in hand, activated,  awaiting the installation of the SIM cards we are now going to find and purchase.

The day before we leave the US on January 2, 2013, we will terminate service to our phones and install our new SIM cards.  We won’t have to worry about “roaming” charges on the cruise since we won’t have a contract. 

Our smart phone technological issues are almost completely resolved. Now we begin the search for the most cost effective data and call worthy SIM card that will work seamlessly with our two phones.  Whew!

Why two smart phones when we are together 24/7?  Safety. 

If I leave Tom at home in Cajarc, France, while I walk to the health club down the road, tripping on a cobblestone street (possible) and spraining my ankle, I’ll want to be able to call Tom to come walk me home. 

Another less important reason, we both are in the habit of “playing” with our phones. When we have WiFi available, we’ll still want to play.  When WiFi is not available, we can read KINDLE or NOOK books on our phones while lounging in a lawn chair on the deck of the cruise ship neither of which require an Internet connection once the books are downloaded.

Oh, good grief!  How spoiled we are with our technology!  You may say, people traveled the world without technology for centuries.  But…were they able to upload a photo for you to see of a baby elephant walking behind its mother, holding its mother’s tail with its trunk, in a matter of seconds!