Tom corrected me over yesterday’s post…”We do gamble,” he says!…An element of our lives we seldom mention here…

A little hut in the neighborhood managed by a woman and her daughter where they sell SIM cards for data and phones and a few other products.

“Sightings on the Beach in Bali”

This large rock formation has formed on the beach visible only at low tide. 

After Tom read yesterday’s post, he said, “You’re wrong, Sweetie. We do gamble, big time.”

I thought for a moment trying to jog my memory over the past many years when we were in a casino and played a few games.  I couldn’t recall a single occasion.

He laughed and said, “We gamble every day playing the stock market! Isn’t that gambling when all is said and done?”

“You’re absolutely right, Honey,” I replied nodding my head in agreement.

Sunset view and reflection in the infinity pool.
Once Tom retired and rolled over his 401K to an online brokerage company we could easily access in our travels, this type of “gambling” has served us well. Armed with a plethora of knowledge he’s gleaned from a few extraordinary experts, he’s become quite good at it.  (We’re not talking about that guy that screams on TV or on any other TV celebrity or supposed finance guru).
With my daily photo taking, posting, management of spreadsheets, financial records, banking, and accounting for our travels, overall I paid little attention to what he was doing other than to listen when he wanted to share interesting details.

I didn’t want to hear when it wasn’t going well so he stayed mum to keep me from worrying.  But, as his expertise and desires for diversity have grown and we’ve made our way to the plus side at the moment, my interest has peaked. Over this past year, I’ve taken a greater interest while Tom makes all the moves.

Some mornings humidity, fog, and smoke from local fires create a fuzzy scene on the beach.

Sure, with stocks, options, longs/shorts, and a wide array of other financial products, one is taking an enormous risk.  We see this each week when, for example, we go online after 9:30 pm (Indonesia time) five nights a week when the stock market opens in the US. 

Based on this huge time difference the US market closes at 4 am when we’re sleeping. But, it’s not entirely unusual for either of us to be awake during the night or very early in the morning unable to avoid firing up Tom’s laptop to see what’s going on. 

The ups and downs are not for the faint of heart. We’ve both had to learn to avoid letting the downs become upsetting. I suppose it is gambling, after all, except in a  much bigger way than putting a few dollars on a blackjack table, poker table, or in a slot machine. One may be “gambling” with their life savings.

Another larger shop in the neighborhood carrying many tourist-type needs, beverages, and snacks.

Also, we had no desire to turn this process over to a “financial advisor” paying fees and commissions while allowing someone else to make decisions on our behalf. For many, this is their only option when they have investible funds but little education, time, or interest in handling it on their own.

Over these past 44 months of world travel, Tom has had all of the time and interest necessary to further educate himself to a point of feeling confident in making important decisions. 

Flowers blooming from a small tree.

Tom’s favorite source of education has been with Bob Rinear on this website. Bob’s information and education have provided valuable information. Tom followed Bob’s website and free newsletter long before we retired. 

About one year before Tom retired in 2012, he paid for Bob’s annual yearly subscription, “The Insiders Club” which has ultimately served us well. Tom also participated in the comprehensive training course, again proving to be a valuable tool.  (In no manner are we involved in any revenue or proceeds from Bob’s website. We’re simply subscribers as are many others throughout the world).

Since I’m way more frugal than he is, it’s best I continue to stay out of the day-to-day decisions, although he shares details of every transaction with me prior to making any changes. In the process, I too, am getting an education through my savvy partner.

Why did the chicken cross the road?

We won’t draw any money out from these funds until after Tom turns 70.5 years old (7 years) at which point US tax laws require annual minimum withdrawals be made along with the payment of required federal tax (and state taxes, if applicable). If we lost it all, we could still survive and continue to travel the world.

It’s only under these circumstances that we feel comfortable taking the risks. If one wouldn’t be able to cover living expenses if they lost it all in a stock market crash, which may be likely at some point, they shouldn’t be investing. (We’ve also decided it’s wise to secure some of one’s investments into less vulnerable assets).

The stress of potentially losing everything could be unbearable making the later years of one’s life, less than enjoyable. We’re not offering any investment advice here.  We’re explaining how we perceive “gambling” in our lives.

A modest well cared for Hindu home in the neighborhood.

The excitement of it all is certainly comparable to winning at a casino and the disappointment perhaps even more devastating than when losing at a poker table. 

With a tough hide, diligent attention to market fluctuations, world affairs and a degree of knowledge and expertise and, an enormous amount of interest and desire to make it work, its an exciting area of our lives we seldom, if ever, mention here.

No, we don’t sit around all day playing games on our phones. Even on those sunny outdoors-all-day days, the wheels are always in motion as we continually reach for safety, security, and peace of mind achievable in many ways in our lives of travel.

In Bali, it’s common to see trash fires burning along the road or in yards.

One more point, we use a VPN, a virtual private network, to further secure our access to financial websites (which are supposedly secure) but this added measure of security provides us with further peace of mind.

Without a doubt, life is a gamble in many ways for every one of us; our health, our well-being, our sense of security, our financial health, basically all aspects. The degree to which we proactively pursue enhancing each of these areas is entirely up to us.

May your day provide you with an opportunity for peace of mind.

Photo from one year ago today, June 20, 2015:

This is the noisy night bird, the bush stone-curlew (Burhinus grallarius) that kept us awake the first week in Trinity Beach, Australia after which we became used to it, sleeping through the noise. It’s a nocturnal, ground-dwelling bird that makes its home in Australia’s open forests, grasslands, mangroves, and salt marshes. (Not our photo). We never saw one during the day.  For more details please click here.

Las Vegas…Here we come!!!…Gambling?…

Often, we see motorbikes loaded with products being delivered to a variety of the tiny shops in the neighborhood, which sell candy, soda, cigarettes and snacks.

“Sightings on the Beach in Bali”

Colorful fishing boat with the crew at the end of a long night.

We don’t gamble, not in casinos. One could say we gamble with the quality of our lives every single day. We’ll agree with that. However, we have no interest in sitting at a slot machine or card table, giving away money we’ve carefully budgeted for many more interesting events in our lives.

Many people love gambling in casinos. Their occasional wins interspersed with more losses keep them engaged in the concept that it’s a worthwhile pleasurable activity. If one can do so without serious consequences in their lives, have at it! 

Decorative hand-carved door in the neighborhood.

If we gambled and lost US $300, IDR 4,001,250 at a poker table that would be groceries for two weeks outside the US or 10 separate day trips with a driver in Bali or the cost of excess luggage fees on Qantas airlines for a flight to Sydney from wherever. 

Tom used to enjoy playing blackjack. Years ago, he gave it up when one day it dawned on him that his losses were greater than his wins and it just wasn’t a logical way to spend hard-earned money. 

Even I had my days, way back when, of playing on occasion at one of the American Indian owned casinos in Minnesota or in Las Vegas when visiting eldest son Richard, a successful real estate agent, who’s lives in Henderson, Nevada (a suburban city near Las Vegas) for over 30 years. 

A local gathering place and temple.

For the past 20 years, neither of us has played a single casino game, not in casinos, not on cruise ships, and not at a single slot machine at the airport in Nevada. Nada. None. That’s not to say we wouldn’t play a friendly game of cards or dice with family or friends. We’re OK losing a few bucks to people to love. That’s different.

Why are we discussing gambling? After yesterday’s posting of our plans for visiting Minnesota for six weeks beginning next May, we’d be amiss not to mention where we’ll be spending our remaining three weeks during the 2017 trips to the US. 

Statues to be mounted in front yard temple at a house construction site in the neighborhood.

It’s hard to be in Las Vegas and not visit some of the new hotels we’ve yet to see while wandering through casino after casino. We’re confident we won’t have any trouble avoiding the tables and slot machines.

By the time we arrive in Las Vegas on July 7, 2017, we won’t have been there since December 2012 when we rented a vacation home in Henderson not far from Richard during which time three of Tom’s sisters and two brothers-in-law came to stay with us. 

Also, members of my family visited for Tom’s birthday on December 23rd and for Christmas a few days later. It was a memorable time spent together especially when we were only days away from leaving the US to begin our world journey.

If cows can be pretty, we thought this is quite lovely.

(By the way, when we count how long we’ve actually been gone, we consider the day we left Minnesota on Halloween, October 31, 2012. We spent two more months in both Scottsdale, Arizona, and Henderson, Nevada making final preparations to leave the US. 

On January 3, 2013, (here’s the post from that date) after driving to San Diego, California we sailed on our first ever cruise which fulfilled one of Tom’s dreams of traversing the Panama Canal. Son Richard and sister Julie said goodbye at the pier which meant so much to us).

This road we walk in the neighborhood has a fair amount of motorbike traffic.

Next July after we’ve completed the six weeks in Minnesota we’ll be visiting son Richard in Henderson, sister Susan in Las Vegas, and seeing sister Julie, who’ll fly in from Los Angeles for a visit while we’re there. During the three-week stay (until we fly to Costa Rica to our next vacation home in our itinerary on July 31, 2017), we’ll stay with Richard at his home in Henderson. 

Three weeks is a long time to stay in the home of others. Many have offered that we stay with them during these past years but we’ve always turned them down politely, appreciating the kind offer. 

There are several factors that make staying with Richard easier for all of us:

1. He doesn’t have a cat. I’m allergic. I can spend a few hours in a home with cats but never overnight when allergies are always worse.
2. He has room for us.  We refuse to ever allow any family member to vacate their room, their personal space for us. It’s simply not fair, especially for extended periods.
3. He doesn’t cook and doesn’t expect or want us to prepare food. We’ll either bring in something or eat out, hoping he’ll join us when it works for him.
4. He has a pool. We love pools.
5. He has a weekly cleaning person. There’s no expectation that we’ll be “earning our keep” by cleaning.
6. He’s gone all day working and we’ll have the house to ourselves with less time for us to annoy him with our daily routine.
7.  He has a hysterical pug, Monty, whom we adore. It will be enjoyable taking him for walks and hanging out with him. We wonder if he’ll remember us from almost five years ago.

Elaborate front yard temple.

For these above reasons, staying with Richard will be relatively easy. No doubt, it’s never easy to stay with anyone in their home for three weeks. I’ve heard nightmarish stories from friends when family came to stay for extended periods. However, we’ve stayed with him in past visits and it worked out well.

So, there it is folks, our US visit wrapped up in two neat little bundles with a goal to spend most of our time with family and also to spend some of our time with our dearest friends, many of whom we’ve stayed in close touch over this long period. 

We hope you’ll spend quality time with those you love, especially on Father’s Day in the US tomorrow. Happy Father’s Day to all the dads out there!

Photo from one year ago today, June 19, 2015:

Trinity Beach, Australia has a lot to offer; ocean, mountains, and plains with gorgeous scenery. We enjoyed our three months in the lovely, relatively serene area. For more photos, please click here.

Excitement over future US plans…An unexpected oops in the villa…Fabulous food photos

Yes, I ate this entire plate of spicy Balinese chicken atop a bed of stir-fried vegetables along with a salad. This is one of our favorite meals. Yes, this is an entirely sugar-free, grain-free, starch-free, gluten-free meal with under 10 grams of carbs (carbs coming from vegetables only). See Tom’s plate below.

“Sightings on the Beach in Bali”

This group of cute Balinese kids stopped for a photo with their white horse who also wanted to get in the photo.

We’re thrilled to have worked out the details for our upcoming stay in the US in 11 months. As mentioned in a previous post, we ditched the RV plan for a hotel and have since negotiated the particulars with Country Inn and Suites in Plymouth, Minnesota from May 26 to July 7, 2017 for a 42 night stay.
 

Our link for Hotels.com here on our site led us to their corporate division for “group rates” when we entered the information for the extended stay. Although we’re hardly a group, the longer stay put us into the group pricing category enabling us to save almost US $100, IDR $1,333,750 per night.

A few mornings ago when Tom was opening the accordion doors as he does each mornings, suddenly wood and plaster fell to the floor.  Constant humidity certainly attributed to this occurrence in the four-year-old villa.

Over a period of the past week, the corporate site rep sent us numerous possibilities that would accept a corporate discount. We’d hoped to stay close to Highways 100 and 394 in Minneapolis that would accept a corporate discount. But the options were few, resulting in costs of at least 50% higher than other areas.

Also, an aspect we found especially exciting was the fact that we negotiated a price to include three children in our reservation. With our six grandchildren, if any would like to stay overnight, swim in the two huge pools while hanging out with us, there will be no questions asked.

Within an hour Ribud was on a ladder making temporary repairs allowing the doors to be fully operational until the plaster repair can transpire, most likely after we leave.


The hotel offers the following services and amenities:

  • 24-hour business center
  • 24-hour coffee, cookies and candy (complimentary)
  • Adjacent to Grizzly’s Grill & Bar (room service also provided)
  • Airport shuttle services for individuals and groups from SuperShuttle, based at the Minneapolis/St. Paul Airport Transportation Level (fees apply)
  • Dry cleaning
  • Electronic room locks
  • Fax, copier and computer services
  • Fitness center
  • Forgotten items service
  • Free high-speed Internet access
  • Free weekday newspaper
  • Group rates available
  • Hot Be Our Guest Breakfast (complimentary)
  • On-site parking (complimentary)
  • Read It & Return Lending LibrarySM
  • TourStop® amenities for groups
  • Two laundry rooms, located in the hotel
  • Two indoor pools and whirlpool tubs
  • Weekday local area shuttle service within a five-mile radius (complimentary)
  • Weekend contracted shuttle services to designated venues; reserve with the Sales Department

When Country Inn and Suites offered us an upgraded King Suite with a living room, mini kitchen, and free wifi, all of which included a free hot breakfast for five, any given morning, and much more, it was hard to resist. 

In no time at all, Ribud had the door folding properly for our continued use during our remaining nine days in the villa.

Prices are high to stay in the US for six weeks. Rental cars, city and state taxes, dining out and groceries are much higher than we’re used to paying throughout the world. Currently, we’re researching the remainder of the other expenses although it’s
a little too soon to book our flight from Seattle to Minneapolis.

Within a few weeks, we’ll fall into the 330-day advance flight booking window. An interesting aspect of a long-term hotel stay we hadn’t considered earlier is that in the State of Minnesota, any hotel stays over 31 days are considered tax-exempt for a long-term rental/leased property.

Our meals are always hot, fresh, and delicious.

The corporate account manager at Country Inn & Suites explained in an email that we’ll be credited the full amount of the sales tax at the end of our stay to include the entire 42 nights at a savings of over 7.25% per day. For the purposes of illustration, we won’t include the sales tax in today’s total of US $4,494, IDR 59,938,725 for the 42 nights plus the cost of
incidentals.

Adding the ancillary costs for flights, rental car, fuel, meals (groceries and dining out), entertainment (activities with kids and grandkids), and whatever miscellaneous costs we may incur, we’re anticipating the total cost for the six weeks will be in the range of US $12,000, IDR 160,050,000.

Had we stuck with the original RV rental plan, we’d easily have incurred almost twice the above amount. Gee…we don’t like it always to have to be about money but, living this lifestyle or any lifestyle for that matter, requires one
to consider all the potential costs.

Tom seems to be able to tolerate eating white rice a few times per week while continuing to maintain his newly acquired 20 pound, 9 kg weight loss (since our arrival in Bali.

Since we pay off (in full) all of our credit cards every month, incurring no short or long-term debt, being frugal and sensible is the only way this life is possible.  If we “used up” all of our “available credit” on our cards, we’d be in deep trouble.

If we used all of our available credit on our cards how would we pay for the next three months for a vacation home or an upcoming cruise or flight?  We’ve found such tight budgetary diligence has made our travels as stress-free as possible barring any unforeseen events over which we have no control.

Over the past few days, it rained all afternoon forcing us indoors due to thunder and lightning.  Today, the sky is clear, the sea is blue, there’s the expected heat and humidity and…of course, there’s tons of flies and ants which seem to thrive after heavy rains. But, we’re as content as we can be, especially with these new US plans in place.

We hope your day brings you contentment as well.

Photo from one year ago today, June 18, 2015:

Our second kangaroo sighting of the day at a nearby field in Trinity Beach. The first, we saw in a flash while walking in the rain forest, unable to take a photo in time.  It was exciting to finally see kangaroos in the wild.  For more, please click here.

Amazing “Sighting on the Beach in Bali”…Harmony required for this life!…

On November 13, 2012, while we lived in Scottsdale, Arizona preparing “paperwork” for our travels, we saw this stone sign in Old Town in Scottsdale while on a walk.  It read: “I have found that there ain’t no surer way to find out whether you like people or hate them than to travel with them” by Mark Twain. Fortunately, we continue to like one another after 44 months on the move.

“Sightings on the Beach in Bali”

What a sight this was late yesterday afternoon! What a resourceful biker!

One would think we could easily run out of conversation after
being together non-stop for the past 44 months. We don’t.  Somehow, day after day, we engage in endless conversations, entertaining quips, and surprisingly new stories about our lives before we knew one another which in a week will be 25
years ago. 


New construction in the neighborhood.

We laugh when we say that we’ll be able to retell old stories if and when our memories fail us as we age. As yet, this hasn’t happened. Although, at times, I’ll recall telling Tom a story long ago that he’s since forgotten. 

It’s not that his memory is bad. It’s excellent. Instead, it’s as a result of him not paying attention when I originally told him the story. He calls it selective hearing, some kind of “guy” thing. With his bad hearing after 42 years on the railroad, I may have told him the story, speaking too softly and he ignored the entire thing. I’ve since learned to speak loudly enough.

Temple behind the wall. Tom’s head is to the right in the photo.

At this point, I don’t mind him not recalling some of the stories of my life BT (before Tom). Its makes for a great new conversation. And, not to reveal a secret, but when he retells a story he told me 20 years ago, not recalling he’d already told me, I listen with the same enthusiasm as back then. I’m certain he does the same for me.

Yesterday afternoon as we “played” in the pool and Jacuzzi (no hot water, just bubbling air temperature water) we found ourselves laughing and telling stories we may or may not have told one another in the past. We never seem to run out of good fodder.

Makeshift wall supports.

We even go as far as sharing stories of past loves and dalliances, neither of us the jealous types. Some couples never go there. We do so with aplomb.

When a couple spends as much time together as we do, it seems it can go only one of two ways; one, it can be fun, playful, loving, and substantive, or two,…miserably. We opt for the first.

Elaborate entrance to community temple.

Today’s main photo of the stone inscription we encountered in Scottsdale almost four years ago, as we prepared to travel the world, didn’t scare us at the time. We had a feeling we’d have a great experience together. We’ve never been disappointed.

As for Tom’s occasional “overly grumpy” persona, it really doesn’t have an effect on me.  I’ve learned to ignore him during his short bursts of frustration which I’ve discovered seldom have anything to do with me. 

Noisy roosters kept in basket cages.

Usually, he’s feeling frustrated due to a situation over which he has little control, especially on travel days.  Not to excuse grumpiness but hey, we all have our weird moments, and mine, although not centered around grumpiness can be equally annoying.

With each other, we’re tolerant and compassionate, making a concerted effort to avoid unnecessary arguing and conflict. Those who say arguing is necessary for a good relationship perhaps have never experienced the
the joy of near-constant harmony with only a rare “ripple on the pond.”

Most rooftops have a similar design.

Harmony opens opportunities for good decisions, clear thinking, and practical solutions. Disharmony is a breeding ground for impulsive decision making often with devastating consequences. 

This traveling-the-world business requires an enormous amount of self-control, planning, adaptation, tolerance, and quick thinking. In a state of disharmony, all of these can waft away while the parties are wrapped up in
angst, anger, and frustration.

Decorative gates.

To sum it up, we had yet another good day poolside while living in the moment, reveling in the past and looking forward to the future.

May all of you, poolside or not, look forward to the future while embracing your today.

Photo from one year ago today, June 17, 2015:

While on the ship, several Australians mentioned the light color of the ship’s egg yolks. Back on land, Aussie eggs come from free-range chickens and when not fed grains the yolks are dark and dense.  For more food info from Trinity Beach, Australia, please click here.

Change in plans for US visit in May…

We’re in awe of the ornate detail in the Hindu statues.

“Sightings on the Beach in Bali”

The dogs on the beach show little to no interest in humans. But, they certainly enjoy hanging our together. These five were actually in a group of eight although it was impossible to get all eight in one photo.

From time to time it becomes necessary to change plans for a particular visit to a country. In a perfect world, the decisions we make we can follow through to completion. 

As we all well know, decisions may not be perfect, including ours, when we consider travel plans. Most often when we find it necessary to change plans, it doesn’t have a bearing on others. 

In this case, it does, for which we apologize to our family members if they are disappointed for the necessity of our making these changes. 

Another beautiful statue in the neighborhood of villas on the beach.

The biggest consideration in this change is the cost which escalated greatly over this past year. Over these past many days, we calculated the expenses on a spreadsheet to include the six weeks RV rental period, fuel, campground fees, US $3, IDR $40,004, per hour for generator use fees to run the refrigerator and the AC (at night only), and many ancillary fees that go along with renting an RV.

Recreational building/gathering place for villa owners/residents in the area.  This location is also where the security guards use it as a base overnight during their watch.

The total cost came in at no less than US $20,000, IDR 266,705,981. That included only the time spent in Minnesota.  With meals our daily costs would have been in excess of US $500, IDR $6,660,000 per day, definitely outside the realm of our budget especially for this extended period.

Then, we had to consider the added cost of making our way across the northern tier of the US to drive to Minnesota. In the summer, these expenses are outrageous. 

Hindu offering display.

Instead, once our Alaskan cruise ends on May 26th, we’re flying directly to Minnesota. Although the grandkids will still be in school for a few more weeks, we’ll have time to see them after school, in the evenings, and on weekends. 

During the school day hours, we hope to spend some quality time with our adult kids (if possible based on their work schedules) and visiting Tom’s retired siblings and old friends.

Kitchen on-site for resident’s use for entertaining guests in the recreational center.

The pluses to this big change? We’ve booked a hotel within 25 minutes of all of our kid’s three homes. We can visit them. They can visit us. The hotel has two indoor pools the kids will love.  We’ve booked the hotel reservation as having three children with us, enabling all of us to use the pools at once.

There’s never a shortage of exquisites views as shown from the recreational center.

We’ve negotiated a great rate which we’ll soon share. The car rental for this period will be in excess of US $2600, IDR 34,632,000 for a midsized vehicle for the six weeks, although not quite as costly as some other parts of the world.

As for meals, a complimentary breakfast is included for us and “three kids.” The hotel room will have a small refrigerator and microwave. Costco roasted chickens, here we come! 

Colorful statue in a front yard temple in the neighborhood.

With our intermittent fasting, we may only have a full meal in the evenings when we’re dining with family or friends. We’ll see how that works out. Since we never eat three meals a day (rarely two) our food costs won’t be outrageous.

A more contemporary statue at a new home construction site in the neighborhood.

With the change to a hotel allowing for greater mobility and a certain degree of practicality, we’re able to cut the cost almost in half ultimately making the time in Minnesota all the more enjoyable.

More details will follow. Happy day to all!


Photos from one year ago today, June 16, 2015:

An indoor organic farmer’s market in the mall in Trinity Beach, Australia, where we often shopped for vegetables. For more details please click here.

Our research for the future continues…Saddened by news from the US…

Late yesterday afternoon during an uncommonly heavy rainstorm, I went out to the freezer in the garage to get some ice. I saw this long black thing, referred to as an omangomang in Balinese, moving along the garage floor. I called out to Tom to come see it. He grabbed the camera and came running. Creepy.  Was that an eye looking out at us?  
“Sightings on the Beach in Bali”
A perfect sunny day at low tide.

Is there ever a time we can sit back and not be concerned about the “next” location in our world travels? Its not likely at this point in our lives.

As we discuss short term goals (over the next few years) and potential long term goals (who knows where and when?) we realize that our travels are not only determined by cost and desirability but also the general safety of each location.

Suddenly, legs came out of the long black shell and the crustacean began dragging itself along the garage floor.  The two Ketuts explained this is an omangomang which may not be eaten.

Yesterday, Tom spotted this article about the “25 Safest Countries in the World.”  Click here for details.

Over these past several days, we’ve watched online news retelling the horrific story of the mass shootings in Orlando, Florida. Our hearts go out to all the families of victims of this devastation and pray for healing and peace for our nation and nations throughout the world.

An ocean view while the van was moving through traffic.

In the realm of things, our personal travels become small and insignificant amid such sad news. But, as we all know, we must each carry on with our lives with the hope and intent of doing so with love and harmony as our primary goals.

As we reach toward our future, we not only research places “we’d like to see” but also where we can feel relatively at ease if we walk through an open market or stop at a café. 

We have no delusions that anywhere in the world is 100% safe. However, we can improve our odds of remaining safe by considering each future location after considerable deliberation and research.

Gede, our kind, helpful and thoughtful house man, built this house some years ago. He’s been heavily involved with construction and renovation over the years although he’s under 40 years old and quite resourceful and capable.

Another factor we must eventually consider more seriously is proximity to quality medical care. Here in this remote area of Bali, far from any world-class medical facilities, we’d be in serious trouble if we had a life-threatening medical emergency. 

The neighbor next door to our villa passed away a few years ago from a heart attack when he wasn’t able to get proper medical care in a timely fashion. He’d been taken to the hospital in Negara and the “doctor wasn’t in yet and not due to arrive for several hours.” Yikes. The man died while waiting.

On the left a restaurant and a data (SIM) card store on the right.

We’re not getting any younger. In less than 20 months, I’ll turn 70 years old (good grief!) with Tom lagging five years behind me. Regardless of how hard we may try to stay healthy, things can happen beyond our control.

Every so often, one of us feels a sharp pain or sense of discomfort that usually dissipates after awhile. Most likely, this occurs for most seniors (and those younger) from time to time. When we’re far from medical care, an added sense of concern washes over us, wondering what we’d do if one of us needed immediate treatment.

Motorbike drivers stop at the beaches along the highway for a lunch break or to purchase products from roadside stands.

Our health insurance provides for air ambulance to the closest world-class hospital paying 100% of major medical costs which gives us peace of mind to an extent although not entirely. It’s the getting there expeditiously that becomes the greater source of concern.

A few stretches of the highway can be less busy although shortly ahead at this location we encountered considerable traffic.

What? Me, worry? Sure, overall, maintaining good health is our primary source of concern. Do we fuss over it all the time? No. We only worry when there’s  a reason to, such as when there’s a lingering sharp pain or a sense of not feeling quite right. 

In the future, we’ve already booked a few more remote-type locations for extended stays and most likely we’ll continue to book a few more remote locations in the future. Many of our upcoming cruises including Antarctica in January, 2018 are considered remote. 

Commercial building along the highway.

The world is a big place. We’ve hardly explored the “tip of the iceberg” (but soon will!). Safety and well being will always be of our utmost concern and never will we take that safety for granted.

May your day provide you with a sense of well being and safety.

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

The rainy view of what is aptly named, Double Island, as seen from our veranda one year ago in Trinity Beach, Australia where we lived for three months. For more photos, please click here.

Working out the physical kinks from excess lounging…

Two fresh-caught tuna for last night’s and tonight’s meals. Total cost for two fish? The only US, $5.65, IDR 75,000.  We pay the actual cost for food and tip the staff at the end of our stay in appreciation for their excellent service.

“Sightings on the Beach in Bali”

These two women were walking on the beach carry dried vines on their heads. The one in front appeared more adept at balancing while the other kept reaching up to balance the load.

It was 8 am Tuesday when I began today’s post. The two Ketuts had just arrived to clean the villa while Ribud was busy working on the pool and yard. They each wear uniforms that read, “Beach House West Bali.” They always appear fresh, bright-eyed, and ready for the day.

This morning while we languished in bed a little later than usual in air-conditioned comfort, we had Tom’s perfectly prepared coffee. I spilled mine on the bed, later apologizing to the girls for the extra work to change the sheets. They were gracious as always.

The front entrance to another villa a few doors down the narrow road.

It’s cloudy today. We don’t mind at all. If it rains we’ll head indoors until it stops. This island has the best weather we’ve had living on any tropical island in our travels. It rains for short periods once or twice a week, often overnight.

The moment the raindrops begin to fall Ribud suddenly appears to bring in all the chaise cushions, chaise covers, and beach towels. No matter how fast Tom attempts to do this small task Ribud is quicker to take over. We don’t have to do a thing.

Tom had taken an extraordinary photo of Praying Mantis on the edge of the infinity pool.  This is my rendition of his reflection in the water.

Since our arrival, I’ve been sitting too much with all this wonderful household help doing everything for us, which isn’t favorable for my delicate spine. Days ago, feeling stiff and uncomfortable I started walking around the villa for 300 steps (using my FitBit) every 30 minutes during daylight hours. 

By the end of the day, I’ve been accumulating 6000 steps according to the Fitbit in addition to any steps we accumulate when walking on the beach or in the neighborhood. Also, after spending 40 minutes working out in the pool, I’m finally beginning to feel stronger and more fit. 

We have lots of walking ahead of us on the upcoming Mekong River cruise which begins on July 8th. Considerable time will be spent cruising on the river with the rest on tours to see the sites along the way. Sitting around for two months hadn’t prepared me for this amount of walking each day.

A section of the wall consists of this bamboo décor.

Sure, my restrictive diet has been highly instrumental in reducing pain from inflammation but the reality remains…my spine is comparable to a thin reed, ready to collapse at any moment. When we’ve been active I can walk fairly long distances but recently, I’ve been concerned.

This daily lounging had left me feeling relaxed but also concerned over my ability to “keep up” with the others on this relatively active upcoming cruise. In the past several days after instituting this “must-do” walking around the villa every 30 minutes, I’m hopeful I’ll be able to keep up.

Once we arrive in Singapore we’ll be walking every day, although with the three visas we’ll need to get at the three embassies, we’ll be riding in taxis as well. The embassies are too far from our hotel to reach on foot. But, we’ll walk to restaurants for dinner and be out each day to see the sites, taking a taxi or public transportation only as needed.

Decorative wall as we walk along the road to the villas.

When we arrived in Singapore on April 30th, we met a fabulous taxi driver whose card we’ve kept. We’ll contact him soon to pick us up at the airport and continue with him as needed.

We’ll leave the villa in 13 days to spend one night in Denpasar after the four-hour harrowing drive. The next day to fly to Singapore at 2:15 pm on a relatively short 2 hour, 45 minutes flight.

The only tasks we do for ourselves here in the villa in Bali are to make coffee, refill the ice cube trays, pour iced tea throughout the day, and put together our nightly cheese plates. 

Beautifully maintained gardens line the wall along the road.

We don’t ask the staff to “wait” on us. As far as we’re concerned they do enough cleaning the villa and grounds, preparing our dinner and doing the dishes. How much easier could it be?

On July 22nd, we’ll arrive at the villa in Phuket. With only a weekly cleaner, we’ll be on our own to cook, clean, make the bed and wash dishes. Neither of us minds the prospect of taking care of ourselves again, but it certainly has been pleasurable to have others doing it for us.

We hope you have an easy day!

Photo from one year ago today, June 14, 2015:

As much as we’d have liked to leave these doors open in the Trinity Beach property, the flies and mosquitos were outrageous. Over this past year, we’ve become much more tolerant of the flies to the point that we may have been able to leave doors open in past locations. However, the flies in Australia are biting flies which makes all the difference.  For more photos of the house, please click here.

Attempting to avoid “whinging”…A tiny annoyance…

Ants carrying off a dead gecko.

“Sightings on the Beach in Bali”

Last night’s sunset.

Chere Bork, a dear friend of mine from Minnesota with whom I’ve stayed in touch by email on almost a daily basis over these past 44 months of travel, reads our daily posts reveling in our travels along with us. 

As a busy and much sought-after full-time registered dietician, national speaker, life coach, consultant, and blogger, Chere has all-encompassing experience and knowledge in the field of health and well-being. 

Our online conversations are lively and animated not only centered around our mutual beliefs in living a healthy life to the fullest, each with quality of life and husbands/family we love and adore. And, also we share in the challenges we all face regardless of any degree of joy we experience in everyday living.

Dragonfly on our chaise lounge.  These eat mosquitoes. 

Regardless of the gorgeous beaches, exquisite scenery, the interesting worldwide environment we explore and embrace, some days are better than others, some experiences not worth repeating, and others that grip our hearts and minds longing for more.

From time to time, my friend Chere suggests a subject for a story that we take seriously following suit within a few days on her suggestion. Other readers have suggested content through an email or a comment at the end of a post. 

We welcome such suggestions and if befitting our site we look forward to the next opportunity to incorporate their ideas into a post. Please don’t hesitate to share your thoughts and suggestions with us at any time.

Snake run over by a car or motorbike.

A few days ago, after a comment I made to Chere in an email, she suggested I be more explicit on this topic in a story for our readers. “Hogwash,” I said. Our readers don’t want to hear us whine (“whinge” in Aussie or British speak) anymore on this topic.

Chere went on to explain, that our readers may prefer to “Hear it like it is, the good, the bad and the ugly.” And, folks, at times, I’ll admit to avoiding mentioning a lot of the ugly because, a) I’m “overly bubbly” attempting to look on the bright side and, b) We’d prefer our site not to become a deterrent for future renters for our thoughtful landlords and property managers who make every effort to create as perfect an environment as possible during our often lengthy stays.

Chere‘s preferred topic for today? Ants. Yep, ants. Those measly annoying, crawling relentless worldwide buggers…ants. They’re everywhere, especially here in Bali. (We’ve included no photos of ants today. Everyone knows what they look like).

Some type of cocoon we spotted in the ceiling of the cabana. 

Perhaps you aren’t interested in hearing about ants. We had enough ants in Fiji to last a lifetime when on the first night of our arrival, zillions were living in the mattress and bedding.  Yikes! What a night that was!  Read here for details. There have been no ants in the bed in Bali, just everywhere else.

Its not as if we didn’t write about ants earlier.  However, we’ve been avoiding too much discussion on ants since our arrival in Bali, feeling as if our loyal readers may have had their “fill” during our four months in Fiji.

OK, Chere. Here’s our Bali ant story and then we’re done with ants until the next ant-infested society in which we’ll live. For easy reading of Bali ant experiences, I’m listing a few here in bullet points for your perusal, or not, whichever you prefer.  Here goes:

  • Although we don’t cook, nightly I toss our coleslaw salad with dressing I’ve made. When tossing the salad using the cut-up veggies the two Ketuts have prepared, I have to hurry to avoid ants crawling into the bowl. They don’t like cabbage and carrots but they love dressing. While I’m tossing the salad hundreds of ants are running all over the granite countertops. They crawl up my arms.   don’t scream.
  • When showering in the very clean en suite master bath, there are hundreds of ants running up and down the shower walls. Tom can’t see them when he’s showering while not wearing his glasses. I can and I do.   don’t scream.
  • Last night, when I opened my contact lens case there was a red ant inside. I didn’t scream although a little moan escaped my lips. I must have left the lid slightly ajar during the day. That won’t happen again.
  • On numerous occasions, while lounging in the chaises by the pool, it’s not uncommon for either of us to jump up and start brushing hundreds of ants off our legs. They crawl up the legs of the chaises and for some reason love nibbling on dead skin on our legs. Yuck. We don’t scream.
  • Ants on our keyboards and monitors which we clean daily.  They still come to call.
  • Ants crawling up the side of our plates while we’re eating (lots of flies too). Ants on our food. Flies on our food. If there’s more than one ant in on my food, I don’t eat that bite. We no longer comment during these incidences.
  • Red ants crawling around the cabana and the cushions.  Each day, we ask Ribud to spray the area but, by the time we use it in the afternoon after time in the pool, they’re back. 
  • Ribud cleans the pool six days a week. It’s impeccable. By the time we go swimming each day, there are lots of ants gathered along the edges and in the corners. We rescue the drowning grasshoppers but not the ants.

You get the drift, right?  Chere, here’s your ant story. Oh, there’s probably more we can tell but I need to get the disgusting scowl off my face and get back to staring at today’s high surf, blue sky, warm weather, pristine infinity pool, and the cool guy at my side, who for the moment is enjoying an ant-free zone.

We save several grasshoppers from drowning in the pool each day.

May your day not include ants and other such annoyances!


Photo from one year ago today, June 13, 2015:

As we settled into our new home in Trinity Beach, Australia, we were thrilled to see the pool.  For more photos of our first home in Australia, please click here.

Part 3…Final technology story…Tom’s Mother and technology…

Many side streets have offices and building for sale or permanently closed due to poor economic conditions.

“Sightings on the Beach in Bali”

A fisherman on a tiny homemade raft most likely fishing for squid which is caught close to the shore.

Tom’s dear Mother Mary Lyman,  born in 1909, gave birth to 11 children and lived almost until her 99th birthday. If great health, excellent memory, and instant recall are indeed heredity, we may have many good years ahead of us for Tom to continually answer all my endless questions about dates. 

As mentioned earlier, he remembers every date, both past and upcoming while my head is filled with statistics, a fact perhaps due to my heredity with my father, a mathematical whiz, educated at MIT. 

In approximately 1997, Tom’s mother became ill and was placed temporarily in a nursing home for convalescence for a lengthy period of time. Eventually, she was able to return to her home. Totally blind for many years Mary had a keen sense of the world around her.

A highly decorative statue in the village.

While Mary was recuperating in the nursing home for a few months, family members rotated a schedule to be at the facility with her most of the daylight hours Self-employed, I chose the 6:00 am shift when Tom took over before lunch.   

Tom’s siblings covered the remainder of the day after he left for his afternoon shift at work. Out of her home and in unfamiliar surroundings as a blind person, it meant so much to her that her beloved family members were at her side when nursing staff had little time to assist her. 

It meant so much to all of us to be there with her. Mary was one of those special people who never complained and seldom asked for help. In many ways, these special hours I spent alone with her, left me with precious memories I’ll always treasure.

The concept of a Hindu area of worship adorns almost every location whether it’s a private home or a business.

Mary was not only blind but had poor hearing only adding to the difficulty of communication, the one source of pleasure in her life. For some odd reason, she could hear my voice if I sat close to her better ear and spoke in a normal tone.  

Mary and I spent all those mornings chatting and telling each other stories of our lives. When does a daughter-in-law have an opportunity to be alone with her mother-in-law for so many hours and really get to know her? Often those relationships can be complicated and challenging based on what one gleans when everyone is together as a group.

There was nothing complicated or challenging about my or other family member’s relationship with Mary Lyman. She was straightforward, kind, nonjudgmental, generous, and emotionally strong. Would that we all could be so blissfully predictable and dependable in our relationships.

It often surprises us to see current models of cars and trucks, when the cost to import them is so high.

One morning, after breakfast as we sat together in her room, she in a wheelchair, me in a chair at her “good ear” side, our idle banter flowing with ease as always, she asked me, “Jessica, what is email?”

I giggled to myself. Of course, she’d heard snippets from discussions when the word “email” entered into conversation.  After all, by 1997, email was as common as apple pie.

“Ma,” I replied, “Do you want me to explain what the Internet is and tell you about email?” 

We crossed this bridge on the way to and from Negara.

She replied an enthusiastic “Yes!”  Nerd that I was (and still am) I had learned quite a bit about the Internet by this period in time and the prospect of putting into terms a blind person could “visualize” I could hardly wait to begin.

For hours, I told her the “story” of the Internet while she listened attentively, occasionally asking questions and frequently expressing considerable surprise and wonder.

Who would ever think that an 88-year-old blind person would be interested in the technological details I shared with her that day? She grasped it all and was in awe of how the technology worked and communication had changed over her lifetime. She was even more enthusiastic than Tom, her youngest, had ever been.

Small roadside stands sell foodstuffs for the locals. There are many laundry facilities along the highway.

Over the next many days, our conversations continued. When there was no more to tell on this topic, she thanked me profusely. But, I thanked her for the honor of sharing this topic with her leaving me with a memory I’ll always treasure.

We returned to our usual wide array of topics as engaged and interested as we’d been long before our technology talk. But, interspersed on occasion, she’d ask, “How does that work on the Internet?”

More Hindu decorations.

I’d smile from ear to ear, feeling lucky and blessed to know this fine woman and to have shared this special time with her. Ma quietly passed away during the night on May 31, 2008, a few months shy of her 99th birthday. 

Often when an older person passes away well-wishers say, “She/he lived a long life.”  And that’s true. May we all live a long and fulfilling life. But, however old a person may be when their time comes, it doesn’t lessen the sorrow of those of us left behind feel from the absence of them in our daily lives.

The clothing and trinkets for sale at roadside shops contain similar products, many to appeal to tourists.

Instead, we embrace the memories, reliving them over and over in our minds and in conversations with others who also loved them. Life… every day is a gift, one that we keep opening over and over again to revel in its treasured contents contained therein. 

May your gift of life and the gift of life of those you love to be filled with treasured contents.


Photo from one year ago today, June 12, 2015:

One year ago today, the early morning lights of Luna Park, Sydney. Soon, we’d be disembarking the ship to fly to Cairns, Australia where we rented a car for the short drive to Trinity Beach to our new home for three months.  For more photos and the final tally on the cost for the cruise from Honolulu, Hawaii to Sydney, Australia, please click here.

Part 2…A long ago story to tell about technology…Tom’s story…

Tom asleep on the locomotive, early 90’s, while deadheading (being transported to another location while not on duty).
“Sightings on the Beach in Bali”
Buffalo swimming in the river next to the villa.

Using the Internet stretched far beyond shopping and playing games. For both of us, it became an integral part of our work and daily lives. Did it essentially save time? In many ways, it did especially in relation to our careers. 

However, the distractions and diversions of the increasingly interesting online data kept us online longer than either of us ever intended when over time our brains became like sponges hungry for more and more learning and mental stimulation. 

Image result for keypunch card photo
Keypunch card/hickey card used in the railroad as early as the 1950s.

Now, as we travel the world we not only “need” it for research for travel arrangements, banking, and financial matters, but also as a means of communicating with family and friends on a consistent basis. 

At any given moment, time differences provided, we can say hello to any of our family members and friends.  Often, we’re engaged in lengthy “chats” through the private chat module in Facebook, let alone utilizing face time and voice on Skype, all without incurring any cost. 

With a Skype private online phone number in our home state of Nevada at a cost of only US $5, IDR 66,738 a month, we can call phones anywhere in the world for slightly over US $.02, IDR 267, a minute.  By adding a SIM card to one of our unlocked phones, we can easily make local phone calls on the go when we don’t have access to the Internet. Technology.

Tom’s story begins in the 1960s when he was about 10 years old.  His dad, an employee of John Deere had built a new building in Bloomington, Minnesota.  All employees and their families were invited for a tour of the facilities and an “open house” party.

Image result for hanging chad photo
“Hanging chad.”

When Tom entered the massive room filled with floor-to-ceiling Univac machines, tapes behind glass, and teletype machines, he was in awe. Later, when he was 13 years old in the fall of 1966, during the student council election, again, he was intrigued by computer technology when keypunch cards were used for voting. 

Ironically, at that student body election, 34 years prior to the 2000 US election in Florida, there were no “hanging chads.”  Hummm…Working at the railroad, beginning in 1970, his exposure to computer technology increased over his 42.5 years on the job. 

From the use of keypunch cards fed into a teletype machine entered by clerks for system-wide information for all train activities, staff, shippers, classifications, and destinations, to the eventual use of sophisticated computer systems, overall the railroad was on the cutting edge of modern technology.

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Old photo railroad mainframe computer, circa the 1960s.

One hot summer afternoon in Minnesota with temperatures in the high 90F’s, high 30C’s, he entered the computer office surprised it was air conditioned. He commented to the clerks, “You guys have it rough in this air-conditioned comfort!”

A clerk replied, “The railroad didn’t put in air conditioning for our benefit. It’s to keep the computers cool from the heat and humidity.”

In 1975, the railroad opened their flagship state-of-the-art computerized Hump/Classification yard, unlike any other in the USA at a cost of US $45,000,000, IDR 600,637,500,000. 

Of course, in this day and age, many of the bugs hadn’t been worked out. As a result, one night in January 1975, Tom and two co-workers were inside the cab of a locomotive, a 100-ton boxcar loaded with steel misrouted into the wrong track, the track in which we were situated. We had no advance warning.

Upon impact, the three of them were knocked off their seats and thrown about the cab of the locomotive. Tom incurred a serious back injury keeping him off work for four and a half months, still persisting to this day.

Yardmaster or Switch Tender workstation, through present day.

In the late 1970s, the company installed PCs to be used by many office personnel. At that time, he was a Yard Master using those computers to issue work to train crews. Over a period of several years, those of us using the computers were trained and retrained in their use as systems were upgraded.

As time progressed, Tom and his co-workers found themselves using more and more sophisticated computer systems on an individual basis and less by office clerks. Hands-on use escalated exponentially as technology moved in the millennium. 

In the last 10 plus years of his career on the railroad, there were no longer engineers on some locomotives when many employees have been required to wear heavy remote control computers attached to an uncomfortable vest. This made Tom and his co-worker’s jobs remaining years until retirement in 2012, painful and uncomfortable. Retirement couldn’t come soon enough.

Remote control operators box (RCO). Required vest not shown.

Amid all of his required work exposure to computers, he went kicking and screaming into the new era of home computing.  I encouraged him to look at home PCs as a device for entertainment and a phenomenal source of information. 

As a history buff, Ancestry.com aficionado, an avid fan of Facebook,  a news junkie (especially now when we have no TV), and a madman with the stock market, over the years he embraced the concept and now he can hardly put it down.

Besides, as we travel the world, as long as we have a decent Internet connection (not necessarily here in Bali) he can continue to watch for a fee, the Minnesota Viking football games on the NFL’s Game Pass, an app only available to watch live to users outside North America. He’s not complaining about that!

As for learning to install and/or use software, repair computers, or the general technical aspects of computing, Tom is oblivious, not because he’s incapable, he’s just not interested. 

He’d prefer computers to work like a TV, turn to it to find what you’re looking for.  He wonders why it’s often so complicated leaving all of that to me which  I find interesting, the nerd that I am.

Have you ever thought the same thing?

Photo from one year ago today, June 11, 2015:

Our ship pulled into Sydney Harbour for this fabulous view of the Harbour Bridge. For more photos and details of our arrival, please click here.