Fine tuning the itinerary, continued…

When I finished the post on Friday, Tom and I discussed our options for the ten-day gap in Belize (two on the front end, eight on the back end). We decided to contact the owner of the little beach house in Placencia asking her if we can extend our stay from 2/1/2013 to 3/31/2013, changing to 1/29/2013-4/8/2013.

When we originally discussed this with her, she suggested we’d most likely want to explore the country for those ten-days to see the many tourist areas.  If this were a typical vacation for us, most likely we would have been attracted to this prospect.  

After all, sitting outside the little beach house in beach chairs, overlooking the sea, will get boring after two months. Ha! Are you kidding me? We will happily want an additional ten days!

Those suitcases!  Our nemesis!  Yes, they will inhibit us from freely moving from location to location on a whim. We accept this reality.  We are not the adventuresome twenty-year-olds who bravely travel the world with a single backpack they haul, hunched over, with no reservations, no cruises, no fear, and a willingness to sleep in a tiny tent in a bug-infested jungle. Yeah for them!  Not us!

We’ll stay in air-conditioned comfort (most of the time), take $5 a day malaria pills (so we don’t have side effects), wear Exofficio Bugs Away Clothing, drink purified water, watch movies and TV online at our leisure and keep an otherwise very tight budget to make such these seeming luxuries possible.  

We patiently await hearing back from the owner of the cute little beach house in Belize, hoping to spend the additional ten days at the rental. If she is unable to accommodate these dates, we will have no alternative than to find hotels on either end.  We will write back about the outcome.

We have another itinerary change.  Yesterday we added Cruise #7 with Joaquin at Vacationstogo.com.  On 4/9/2013, this cruise, previously booked that picks us on and brings us back to Miami.

7 nights departing April 6, 2013 on
Carnival’s Carnival Liberty
Brochure Inside $1,669
Our Inside $429
You Save 74%
Brochure Oceanview $1,969
Our Oceanview $539
You Save 73%
Brochure Balcony $2,194
Our Balcony $719
You Save 67%
Brochure Suite $2,669
Our Suite $1,039
You Save 61%
The prices shown are US dollars per person, based on double occupancy, and subject to availability. They include port charges but do not include airfare or (where applicable) airport or government taxes or fees.
ITINERARY
DAY DATE PORT ARRIVE   DEPART
Sat Apr 6 Miami, FL 4:00pm
Sun Apr 7 At Sea
Mon Apr 8 Cozumel, Mexico 7:00 am 5:00 pm
Tue Apr 9 Belize City, Belize 8:00 am 5:00 pm
Wed Apr 10 Roatan, Honduras 7:00 am 3:00 pm
Thu Apr 11 Grand Cayman, Cayman Islands 10:00 am 6:00 pm
Fri Apr 12 At Sea
Sat Apr 13 Miami, FL 8:00 am

 

Now listen to this crazy plan!  As you can see, we will arrive in Miami on 4/13/2013 at 8 am with a seven day lag in Miami, awaiting our cruise to Barcelona on 4/20/2013. During this lag we can stay in a mid range hotel, rent a car and dine in restaurants for all meals for an estimated cost of $2800 or pester friends, living in Miami to stay with them.  

We are the worst house guests in the world when by feeling overly grateful to stay with friends that we tend to go overboard cooking, cleaning, shopping, buying wine, and gifts. The cost in time, money, and effort becomes greater than a relaxing time in a hotel. Dear friends, please forgive us for this peculiarity!  
Thus, we have decided to stay on the above ship, the Carnival Liberty,  in the same Balcony Cabin, on the same day and continue on its seven-day cruise to the Caribbean which leaves at 4 PM, not only enjoying another cruise but as you can see from the Balcony Cabin price, save ourselves about $1200.
7 nights departing April 13, 2013, on
Carnival’s Carnival Liberty
Brochure Inside $1,669
Our Inside $479
You Save 71%
Brochure Oceanview $1,969
Our Oceanview $599
You Save 70%
Brochure Balcony $2,194
Our Balcony $814
You Save 63%
Brochure Suite $2,669
Our Suite $1,139
You Save 57%
The prices shown are US dollars per person, based on double occupancy, and subject to availability. They include port charges but do not include airfare or (where applicable) airport or government taxes or fees.
ITINERARY
DAY DATE PORT ARRIVE   DEPART
Sat Apr 13 Miami, FL 4:00 pm
Sun Apr 14 Half Moon Cay, Bahamas 9:00a m 5:00 pm
Mon Apr 15 At Sea
Tue Apr 16 St. Thomas, U.S. Virgin Islands 9:00 am 6:00 pm
Wed Apr 17 San Juan, Puerto Rico 7:00a m 3:30 pm
Thu Apr 18 Grand Turk, Turks & Caicos Islands 11:00am 5:30 pm
Fri Apr 19 At Sea
Sat Apr 20 Miami, FL 8:00 am


This cruise arrives at the Port of Miami at 8 am on 4/20/2013.  Our next cruise, the Norwegian Epic, departs on the same exact day, at the same exact Port of Miami at exactly 5:00 pm.  In time, as more information is posted, we will know how far we will have to maneuver those dreaded bags to get over to the pier where the Norwegian Epic is docked, to begin our eleven-night journey across the sea to Barcelona Spain.  

In total this leg of our journey is 22 days at sea. Who’s complaining?

Fine tuning the itinerary…

There are some gaps in our itinerary. It’s unavoidable. We’ve tried to book our vacation rentals as tightly as possible around our cruises. Many owners have a preconceived notion that booking their properties from Saturdays to Sundays or from the 1st or the 15th of any given month, results in a more desirable scenario for the next renter. 

With our far-reaching bookings, some of which are all the way into May 2015, we have found the owners feel more secure in sticking to these notions to ensure what they see as more desirable availability in the future.  We understand. 

By negotiating amazing rental prices we have been able to maintain a $1667 a month average, with many of the homes in the $1100-$1200 month range, to the one month high of $4651 in Hawaii for our family gathering at Christmas 2014.  (Although this Hawaii rental sounds outrageously high, it actually breaks down to a mere $155 a night, a bargain rate for Hawaii during the high season. Most often, a basic single king room with an ocean view will start at $225 a night)!

However, this entire adventure would be impossible for us if we were staying in hotels at $155 a night and eating all of our meals in restaurants as most of us have done when taking one or two-week vacations.  

Thus, with our overall nightly rate average of $54.82 for the rental homes, we aren’t complaining when we see a gap of a few nights.  We will either stay in a mid-range hotel or,  ask the owner of the vacation rental to accommodate the additional nights at a prorated amount if the house is available. These additional potential hotel costs have already been factored into the above monthly rental rates.

Originally, we had promised ourselves to keep the monthly rental average to no higher than $1500.  However, adding the higher one month in Hawaii plus the five additional following months in Kauai at $2000 per month, our numbers were thrown off for 2014.  

When we depart on October 31, 2012, we’ll begin to breakdown these numbers, year by year, as they actually accrue rather than by our current estimated “running total” for the entire period.  For now, this has aided us in keeping a lid on the costs.

We have created multiple spreadsheets for all of these estimated costs which will be changing constantly knowing full well at this point, other than the fixed rental amounts, the numbers are estimated.  

We will continue along this path in the next post this upcoming Sunday. We have an eleven-day gap in Belize, three when we arrive by a cruise in Belize City on 1/29/2013 (our rental begins 2/1/2013) and eight when our rental ends on 3/31/2013 when the cruise ship comes back to Belize taking us back to Miami. We need a plan for these dates at both ends.  

Our options:
1. As mentioned above, we can ask the owner to extend the rental, if it is available on these dates prorating the rent.  This plan is the most cost-effective.

2.  Find a reasonably priced hotel in Belize City near the port and check out the local attractions while there.  Unfortunately, Belize City doesn’t sound like a safe and desirable place to vacation for three days.  


3.  Travel to another area, such as Ambergris Caye (highly desirable, very expensive) to incur additional transportation costs, pricey hotel rates, and the necessity of dining out for each meal.  

Do we choose “easy” or “adventuresome?”  Or, is living out of a suitcase for 949 days so far, not having a permanent home, being away from our family, friends, doctor and dentist “adventuresome” enough for two 60-somethings like ourselves used to “sitting in our comfy chairs, watching endless TV, rarely dining out” and amazingly enjoying it all?

Any suggestions?  

Fitful night..Worrying…

Worrying is an enormous waste of time, especially during the night when restorative sleep is so vital to our well being. Each morning I am able to see how well I slept the previous night by plugging in my fitness armband to my computer.

As a lifelong fitness fanatic (“nut,” as Tom would say) I have been wearing a fitness armband for the past two years made by BodyMedia which tracks all my activities, calorie burn and sleep patterns which I can view on 
either my Android smartphone or laptop throughout the day to see how I am doing. My goal is take 10,000 steps per day, a tough goal lately while spending considerable time online these past months researching for our future travels.  

Each morning I plug the Bluetooth enabled device into my computer to recharge. As the data is uploaded, I can view how well I’ve slept the previous night. Invariably, my sleep pattern is totally dependent upon how much worrying I’ve done during the night. Last night my sleep efficiency was 81% indicating that approximately 19% of my lying in bed was spent worrying.
Sure, I may have spent 5% of the 9 hours lying in bedthinking pleasant thoughts, chatting with Tom, planning my day, wondering about the weather, and contemplating getting up. Subsequently, I actually slept about 7.5 hours, certainly plenty on an average night.
Why spend any time worrying? My theory has always been that worrying is only beneficial when the avoidance of it is so powerful that it inspires one to change that which they worrying about. Otherwise, it is wasted energy, time, and health. Years ago, my eldest son Richard, reminded me of this quote: 
“Worry is interest paid on a loan that never comes due.”
 
Tom has reminded me of Richard stating this quote many times over the years. Oddly, for most of us, we worry at night. As we busy ourselves with the activities of our day, our worry dissipates, only to be revived in the middle of the night. Years ago, I made a pact with myself: if worry appears during the night, do whatever I must during the day, to make it go away.  
 
Today, I have a bit of a dilemma. What task is necessary to stop worrying about one small part of our travels that kept me awake last night? Here is the source of my worrying, that started last night while reading online about traveling to Belize this upcoming January 29, 2013, a mere 9 months away: 
 
We will take the cruise from Miami, disembarking in Belize City, one day before its final destination. We were able to get permission from the cruise line to disembark early at Belize City, it’s second to last port. There are no cruises that actually “end”  or “begin” in Belize City with the reverse occurring when we leave on 4/9/2013, in both cases, missing out a few days of the cruise. The pricing both ways was less than the cost of a hotel, airfare and meals and thus we have been thrilled with this plan.
 
So, what am I worrying about? When we arrive in Belize City on January 29th, we must find a way to get to Placencia, Belize, a 17-mile long peninsula, a four-hour drive from Belize City! This map illustrates the location of our rental property. Toward the right side of the page is item #69, listed as “Decked Out House.”  I was worried…how do we get there? Here are the options:
1.  Rent a car in Belize City for the entire two and a half month period at the cost of $3000+. They don’t allow other “drop off” locations leaving us stuck with a car the entire period, barely using it with so much within walking distance as indicated on the map.
 
The popular means of transportation in Placencia is a nearby (walking distance) golf cart rental for about $10 hour, handy for grocery shopping, and nearby sightseeing. We anticipate that we’ll rent a golf cart for 8 hours a week.
 
2.  Fly from Belize City to Placencia at a cost of approximately $400 round trip for both of us plus cab fare from the airport to property about $40 plus the cost of the golf cart. Little prop plane. No thank you. Golf cart rental plus airfare for a total of $1240
 
3.   Shuttle: $175 each way for an air-conditioned shuttle, leaving at specific times each day (may require some waiting) plus the cost of a golf cart for 8 hours a week for a total for entire period = $1150
 
Writing this down today, calculating the costs, realizing we won’t fly in the little plane, the solution is clear…we will use the shuttle and rent the golf carts for 8 hours a week. If we decide we want to wander further away from Placencia, we’ll rent a car in Placencia, for one day at a time. Worry dismissed!
 
What will I worry about tonight? Our Placencia rental is from February 1 to March 31, 2013.  Our cruise drops us off on January 29th and our picks us up on April 9th. Where do we stay on January 29, 30, and 31st? Where do we stay from March 31 to April 9th?  
 
In checking out hotels on either end, it appears the average night in a decent hotel will be no less than $200 a night, plus transportation for 11 days, plus meals for 11 days (requiring us to eat every meal in a restaurant), plus taxes, plus tips may total $4000 or more, the usual cost of an 11-day vacation in Belize. This doesn’t comply with our budget and can throw off our numbers.
 
Time to get back to work on the Internet to find a solution for this dilemma, get that sleep efficiency number up to 95% tonight, and get in my 10,000 steps! Once this is done, I can start worrying about the zip line in Belize! Ha!

We don’t like flying…

It’s not that we’re fearful of flying. We’re not. We both say a prayer upon take-off and landing, asking God to take us to our destination safely and praising God for the minds and skills of those individuals instrumental in creating and flying these beasts of the sky.

In our earlier discussions of the possibility of world travel upon retirement, we had this brilliant idea (so we thought) that we could avoid flying and cruise from location to location. In the planning of our first year, we are able to avoid stepping foot in an airport from October 31, 2012 (retirement/departure date) to September 1, 2013, when we will depart from Rome to arrive in Diani Beach in Mombasa, Kenya for our upcoming three-month stay.

In looking at a world map, it’s easy to ascertain that cruising from Italy to Kenya is challenging, if not impossible. The trip through the Suez Canal is wrought with dangers of political strife and rampant piracy, which prevent many cruise lines from sailing through these areas.  

Also, the seaports in Kenya are shallow as described in this link about the difficulty China has in importing goods to African seaports, not only due to its shallow ports, but also due to a lack of an adequate river system to transport the goods throughout the continent. As a result, smaller ships travel to Kenya, vulnerable to piracy.  Not an ideal scenario for cruising.

There are a number of cruises that travel through the Mediterranean to Egypt, but only a rare few that continue on into the Red Sea to Kenya. The cruise we have booked for June 4, 2013, doesn’t sail to Egypt. In the future, we will experience a cruise to Egypt. After all, we will have all the time in the world provided good health prevails.  

We selected this cruise which departs from Barcelona, Spain, after our one-month stay in Majorca, Spain, to fill a two-week lag we had to fill prior to the availability of our rental in Tuscany on June 16, 2013.  The cruise ends in Venice where we’ll either take a train to Florence or rent a car and drive to the Tuscany Region to our rental.  

When analyzing the cost of this cruise to the costs of two weeks of transportation through Italy, car rental, hotels, and meals, it proved to be slightly more economical. We’ll have plenty of time to tour Italy while staying in Tuscany for almost three months. 

12 nights departing June 4, 2013, on
Norwegian’s Norwegian Spirit
Brochure Inside $2,399
Our Inside $1,249
You Save 48%
Brochure Oceanview $2,599
Our Oceanview $1,499
You Save 42%
Brochure Balcony $3,299
Our Balcony $1,929
You Save 42%
Brochure Suite $6,399
Our Suite $3,929
You Save 39%
$$$ Early booking bonus! Book now and receive a FREE $100 per cabin onboard credit and a FREE bottle of wine on select categories. Book select penthouse suite or villa categories and receive a FREE $300 per cabin onboard credit (call for pricing).
Promotions may not be combinable with all fares.
The prices shown are US dollars per person, based on double occupancy, and subject to availability. They include port charges but do not include airfare or (where applicable) airport or government taxes or fees.
Important Note: Visas are required for this itinerary.
ITINERARY
DAY DATE PORT ARRIVE   DEPART
Tue Jun 4 Barcelona, Spain 7:00 pm
Wed Jun 5 Toulon, France 8:00 am 6:00 pm
Thu Jun 6 Florence / Pisa (Livorno), Italy 8:00 am 7:00 pm
Fri Jun 7 Rome (Civitavecchia), Italy 8:00 am 7:00 pm
Sat Jun 8 Naples (Capri), Italy 8:00 am 7:00 am
Sun Jun 9 At Sea
Mon Jun 10 Mykonos, Greece 7:00 am 3:00 pm
Tue Jun 11 Istanbul, Turkey 9:00 am 6:00 pm
Wed Jun 12 Izmir, Turkey 11:30 am 7:00 pm
Thu Jun 13 Athens (Piraeus), Greece 8:00 am 6:00 pm
Fri Jun 14 At Sea
Sat Jun 15 Venice, Italy 2:00pm
Sun Jun 16 Venice, Italy Disembark

As always, we have booked a Balcony cabin.

And thus, we are limited by our transportation to Kenya. Train travel through Africa appears interesting and varied, but the uncertainty of train schedules and creature comforts didn’t quite fit our goal of “wafting through our worldwide travels with ease, joy, and simplicity.”  

Simplicity and ease would not include dragging our bags through various train stations, often waiting overnight while sitting on a bench awaiting the next train. That, definitely would not be “joyful.” After all, we aren’t in our 20’s any longer. 

We’ve discovered that careful planning, well in advance, better prepares us to handle the “unknowns” we will encounter along the way.  

Flying to Kenya and three months later to South Africa could result in sleeping on the floor in an airport with our heads on our carry-on luggage due to a delayed or canceled flight.  It could also result in delays at custom checks or as a result of overweight checked baggage. It may result in our being unable to sit together on the flight. We’ll take these risks, albeit hesitantly, and book the flights as the time nears.

Once we arrive in Diani Beach, unpacked our bags, and get situated on the veranda, we’ll be quite content.

Just booked cruise #6…

Planning our itinerary so far in advance has prompted questions from our friends, family, and readers.  Why book so far ahead? There are reasons for planning ahead: 

1. Favorable Rental Rates: Booking vacation rentals utilizing some type of contract between the parties; us and the property owner/manager, for a predetermined price, allows for a “locked-in” rental amount without consideration for inflation. One would assume the benefit is all ours, but in reality, this greatly benefits the property owner as well.  
Should the economy continue to dive (as anticipated), it could result in a decline in travel. With a contract, a deposit, and a commitment from us for no less than one month and for as long as four months, the owner is provided a modicum of peace of mind knowing their property is rented in the future to responsible, mature travelers.
2. Favorable Cruise Pricing: Our cruise agency and it’s amazing cruise agent, Joaquin Contreras, not only provide for discounted cruises, membership discounts (such as AARP, military, organizations), and past customer discounts. As I’d mentioned in a previous post, they guarantee the lowest prices up to 90 days prior to sailing. Thus, if we book a cruise for 2014, if and when the price goes down, we get the benefit of the lower amount. To avoid their customers waiting until the last minute to book cruises, this benefit ceases at the 90 days from the sail date.   
Yes, we could wait to book cruises until they offer the lowest possible pricing during the last 30-90 days, perhaps saving a few hundred dollars. However, as we carefully peruse the 1000’s of cruises posted on their website, we notice many cruises are sold out. We’d prefer the peace of mind knowing that we have avoided airports, luggage restrictions, bad airlines, long overnight travel, and jet lag, an annoying consideration that is all but eliminated in the gradual course of a cruise.
3.  Using Cruising as a Mode of Transportation: We will need to book no more than three flights for the 926 days we have planned thus far. If we could avoid these flights by cruising, we would. The difficult, if not impossible locations to reach by cruises are:   
a.  Kenya (due to piracy in the seas) 
b.  South Africa (still awaiting cruises to be posted for 2014)
c.  Madeira (a remote island 1200 miles from Lisbon, Portugal for which there used to be a weekly ferry.  Cruise ships only come to Madeira at certain times of the year) 
Today, we booked our 6th cruise. When we arrive in Barcelona on May 1, 2013, our plan included getting off the ship hauling all of our “stuff” and take a cab to the port of the ferry line to get us over to the island of Mallorca for our pre-planned one month’s visit. We would have spent hours awaiting the next ferry and hours traveling by ferry to the island.  

A few days ago a new cruise was posted. The ship on which we will arrive in Barcelona, Spain, The Norwegian Epic, a repositioning cruise, will leave for a four-night cruise, stopping off in Mallorca the second to last day. The cruise line has agreed to “drop us off” at Mallorca and continue on without us.  

Today we booked our same cabin on the same ship that brought us to Barcelona, Spain, allowing us to continue on to our next destination. Of course, there is an additional cost, around $1100 for both of us, in the same cabin with a balcony. This is called a “back to back.” 

The cost of the ferry would have been around $300 plus food for both of us. What are we getting for our additional $800? Room and board on a fabulous ship for three additional nights, great food, beautiful seas, and romantic walks along the promenade with my honey.  

Adding the cost of the combined fifteen days of cruising from Miami to Barcelona and then, Barcelona to Mallorca, our average cost is $205.97 per night (for both of us) including taxes, port taxes, meals, and entertainment (tips are extra). In looking online for the rates at a local Holiday Inn, 20 minutes away, mid-range, the cost with taxes would be $147.70 per night not including meals and entertainment.  

Now tell me, which sounds more appealing???

926 days and counting…

Big Island Rental

Tom and I have often talked about going to Hawaii together. I had been there many times before we met and have anxiously awaited the day when he and I could share this glorious experience together.

Houseplants here in Minnesota are huge flowering bushes and trees in Hawaii, the lush greenery and colors mesmerizing along with the roaring surf on the world’s best beaches and a tropical climate that only fluctuates a few degrees year-round.

Big Island rental interior

I could write for days about the reasons why one must experience this remote collective of islands, each with its own history and personality, each appealing to travelers for their own personal reasons.  

As we have planned our now 926 days beginning Halloween 2012, Hawaii was definitely in the mix, although not conveniently located to accommodate our lofty itinerary. We grabbed a pricier ocean view house on the Big Island  (outside of our budget for the first time) for one month to bring our family together for Christmas 2014.  

Big Island Rental Master Bedroom

To compensate for the increased cost of the Big Island rental, we decided we must find a home in which to stay put for two to three months earlier in the year at a rate that would compensate for the increased cost of the Big Island house. We were able to accomplish this seemingly impossible scenario by renting a fabulous house on the remote island of Madeira off the coast of Portugal.  

Madeira, Portugal view from the veranda.

Upon researching vacation homes all over the world, we have discovered that both Hawaii and Alaska are some of the most expensive places to visit. An 800 square foot vacation cabin in Alaska typically rents for over $3000 a month for both winter and summer. Hawaii is slightly less at about $2500 a month for the same size condo running around 20% higher during the high season of US winter months. All vacation rentals in Hawaii are subject to a 13.42% state tax.

As we continue to post information about properties we have booked, the theme is consistent, beautiful homes with distinct personality and style, whether a 17th-century farmhouse in Tuscany or an aptly named 14th century “Stone House” on a quaint cobblestone street in Cajarc, France.

Madeira, Portugal interior view

As we’ve come to the realization that it makes sense to stay in Hawaii after the family Christmas gathering to keep costs under control, we realize that Hawaii is an unlikely state to visit with the intent of controlling costs. The islands require most products to be imported with the exception of bananas, pineapple, coffee, ginger root, guavas, macadamia nuts, papayas, and taro. About 90% of Hawaii’s gross product is produced in the service industries.

Our long-term goal has been cruising to Alaska in May 2015 to spend the summer living one month at a time in three different locations providing us with the opportunity to experience its beauty, its people, and its diverse wildlife.  

Madeira, Portugal exterior view

This objective left us with the difficult task of finding an affordable property on any one of the Hawaiian islands for a period of four months. Perhaps we’d island-hop, spending a month in Maui, Kauai, Oahu, and Molokai.  

After spending no less than 40 hours looking online at hundreds of rentals we came to the conclusion that island hopping was not realistic for our budgetary concerns due to the high costs of one-month rentals during peak season and the cost of travel from island to island. Nor did we want to sacrifice quality or location.  
We knew we’d have a better opportunity to negotiate a four-month stay. Preparing a property after one and two-week stays is time-consuming and costly for landlords.  

With the new goal of finding one location for this extended stay, we were able to stay within our monthly budget with a fabulous two-bedroom ocean-view condo in breathtaking Princeville on the north shore of Kauai, a highly sought-after location in the islands.  

By adding this booking to our already packed itinerary, we find we are now booked for a total of 926 days beyond October 31, 2012. Will we continue to book well into the future? Yes, based on prices in Alaska, we will continue to look for the ideal properties. Also, the cruises for 2015 from Hawaii to Alaska are not posted as yet.  It could be another year before they’ll be available. In the interim, we’ll wing it! Yes, we’ll wing it!

The final criteria, lots more to follow…

Here we go! We’re wrapping up the all-important criteria today, allowing us to proceed to the equally important itinerary in the next post. As I mentioned earlier, listing these vital “rules” again and again is certainly tedious. 

Seeing them over and over, reading them aloud to Tom each time I write, is exactly what we’ve needed to be reminded of the importance of following these guidelines. Without them, the temptation to book expensive vacation rentals, overpriced cruises, and the occasional exorbitant hotel rooms would throw our financial plan out of whack.  

The goal of avoiding the necessity of tapping into our savings or investments is a huge motivator. Fear, the infinite motivator. Fear, being forced to stop this adventure due to financial constraints. Fear, canceling future travel due to health issues. Fear, the caves with the bats, the guano. Fear, the zip line.

Friends and family have asked, “What happens if you get bored?” We didn’t get bored living in our home together for the past 21 years, in the comfy chairs, enjoying lounging in a lawn chair in the summer, eating homemade meals, watching episodes of our favorite TV shows, chatting, laughing, and socializing.  

They also ask, “What if you get tired of traveling?” We’ll stop. We’ll cancel future plans, maybe lose a deposit or two but we’ll stop. We’ve agreed that if one of us wants to stop, the other will agree. Knowing this, comforts us. Knowing this, removes the fear. 

So, the remaining criteria:

Criteria #7:  Never stay in a vacation rental for less than one month. The rationale behind this rule is simple. Staying in one location not only reduces transportation expenses, but provides us with the opportunity to negotiate better rates when staying a month or more.  

Many of the property owners allow a stay of as little as three or four days, requiring added paperwork, liability, and cleaning. Their piece of mind is a substantial motivator for them to accept a lower rent for their property. As each month’s stay is extended in the negotiations, the price goes down proportionately. This will be illustrated by the rental amounts we will post with the itinerary.

Criteria #8:  No trinkets!  As tempting as “bargains,” “souvenirs” and local “handicrafts” appeal to us during our travels, we will resist the temptation. The cost of excess baggage along with the horror of hauling some heavy wooden objects all over the world is preposterous!

We will make a list of the items we encounter that tempt us. Once we settle someday, we will easily be able to find similar items online or in some cases, purchase them from the actual vendor’s web site. Often these tempting artifacts can be found for half the price on eBay, from sellers who found they were tempted during their travels. Most often, when we look back at such a wish list at a later date, we’ll find that we have lost interest anyway.

Criteria #9:  The availability of Internet/cellphone access with us at all times. This was a tough one. I’ve spent no less than an entire week researching various options. We now have discovered solutions (of course, subject to technology changes over the next several months). For Internet access, 24/7, in our rental, on the road, and part-time on cruises, we’ll use MiFi Rental with XCom Global. In a future post, I will write about the cost and how this works.  

As for cellphone service, we will be buying an Unlocked International cell phone into which we can purchase and install a local SIM card using the available local network (which is what most cell phone users in many countries use for service). SIM cards result in considerably lower rates, all without the use of a contract. Here again, I will write an entire post on this subject.

Criteria #10:  Cook and eat in! Due to health concerns we live a low carb, wheat-free, starch-free, grain-free, sugar-free, and gluten-free lifestyle. Occasionally Tom will indulge along the way! He won’t be able to resist pasta in Italy or a baguette in France. But, for me, my ongoing health from this way of eating it a huge motivator. Cooking and eating in the kitchen of our vacation rental will save us $1000’s along the way.  

We currently spend about $800 a month on food (all organic produce with grass-fed meat, free-range poultry, and eggs, organic dairy). This may sound like a huge sum for two people, but that totals only $26.67 a day. After considerable research, we feel confident that we’ll be able to maintain this budget and our food requirements. I currently pack 3 meals a day for Tom’s long 12 hour workdays.

We could never eat two to three meals a day in a restaurant in any of the countries we are visiting for a mere $26.67 for both of us! We have budgeted the cost of enjoying a dinner out in a nice restaurant, once or twice a week depending upon local prices.  

That one dinner a week may cost $25 in Belize including tax and tip, but could be $125 in Tuscany, resulting in an expenditure of $6500 a year, enough to pay for a vacation rental for 4.3 months or 8.6 months, if eating out twice a week. It’s a matter of trade-offs.  

I don’t think we’ll mind grilling a steak on the veranda in Majorca, Spain while overlooking the Mediterranean Sea.

In review, here is a complete list of all the criteria:

Criteria #1: Do not have a permanent home!
Criteria #2: Do not own cars!
Criteria #3: Do not stay in hotels unless absolutely necessary!
Criteria #4: Do not pay more than that which we were willing to pay for rent in our chosen retirement community!
Criteria #5: Use the cruise!
Criteria #6: Bag the excess baggage!
Criteria #7: Never stay in a vacation rental for less than one month!
Criteria #8: No trinkets!
Criteria #9: The availability of Internet/cellphone access with us, at all times!
Criteria#10: Cook and eat in!

Sure, all of the above is subject to change. We don’t know what we don’t know. It’s a work in progress. By the time we are ready to leave in seven months and ten days, we may laugh or even cringe at what we “thought” we knew and posted here, this early in the process. In any case, we learn as we go, on a perpetual mission of gaining knowledge, reducing fear, and ultimately, having the time of our lives.  

Bag the bags!…

Writing a blog about upcoming travel is very different than writing after traveling has occurred. Although we both have traveled extensively in the past, long before we met and little after we met, we know full well that predicting the outcome of future travel, its level of enjoyment and personal enrichment is highly speculative.

There is no doubt that later on, as we roll out each leg of our endless itinerary, that we may change our minds and subsequently change or add to these criteria that we have determined as important for financial success (staying in the budget) and security (of traveling exclusively utilizing our monthly income as opposed to using investments/saved funds).

The process of explaining this is a bit tedious for a writer such as me, preferring a more “flowery” and “expressive” type of writing, as opposed to the more “clinical” aspect of describing this process. 

Undoubtedly, as we move along, traveling and writing, there will be a 50/50 ratio between technical details and the emotionally enlightening experiences such as cruising through the Panama Canal during its extensive renovation, catching our first king salmon in Alaska, and feeding a giraffe through the window of our temporary home in South Africa. The first 571 days of the itinerary will follow soon.

Here are our “rules” so far…

Criteria #1: Do not have a permanent home!
Criteria #2: Do not own cars! 
Criteria #3: Do not stay in hotels unless absolutely necessary!
Criteria #4: Do not pay more than that which we were willing to pay for rent in our chosen retirement community!
Criteria #5: Use the cruise!
Criteria #6: Bag the excess baggage! Cruise lines are more liberal on the number and weight of bags than airlines. In the first 10 months of our itinerary, we won’t step foot on an airplane. The temptation is to load up our two suitcases each and our carry on bags. 

Upon investigating baggage fees, for example, for the possible airlines that can fly us to Africa, the fees are astounding. Some only allow 44 pounds in checked baggage per person! When we flew to Florida for 7 days last fall, we each had two bags totaling 100 pounds! I calculated that we would have had to pay an additional $800 each for overweight baggage, more than the cost of the flight per person from Rome to Kenya!

How will we pack lightly? Can’t imagine! Even Tom has a penchant for packing everything he owns when we’ve traveled in the past. Later on, we will write about how this preposterous scenario will unfold.  

How will a woman, such as myself, pack lightly, one who insists upon using a wide array of cosmetics, having a fresh change of clothes daily, likes a certain tea, a certain coffee bean, a certain low carb sweetener, a certain baking pan and an endless array of gadgets? 

What about workout clothes and the requisite rotating tennis shoes? What about the 20 different bottles of vitamins and supplements we each take in what may prove to be a futile effort to stave off “old man time?”  What about heavy jeans, jackets, rainwear, hiking boots, Tom’s suit, and my evening dress (dresses) for “dress up” dinners aboard the cruise? I’ve spent hours reading about how to pack for travels; two pairs of casual pants, four tee shirts, one dress shirt, one pair of dressy shoes, one pair of walking shoes, a raincoat, an umbrella, and la la la.  

Last week I bought a travel scale. I weighed it on the kitchen scale. It was advertised at 1.5 pounds, but in fact, weighed 2.3 pounds. I am already using 0.052% of my allotment (44 pounds) on the scale itself! Oh, dear, packing is almost as frightening as the zip line in Belize!

Criteria #7 to follow next time. Please come back!

Continuation of the strict criteria…

Yesterday, I wrote about the first four criteria that we have discovered making long-term world travel affordable for us as a retired couple (Tom retires on Halloween), on a fixed monthly income. Let’s review those points before I continue with the others:

Criteria #1:   Do not have a permanent home! 
Criteria #2:   Do not own cars! 
Criteria #3:   Do not stay in hotels unless absolutely necessary!
Criteria #4:   Do not pay more than what we were willing to pay for rent in our chosen retirement community!

Criteria #5: Use the cruise!  As described earlier, we have booked five cruises so far with two more in the works.  Of the 571 days, we have booked thus far, beginning October 31, 2012, 71 days will be spent living aboard a cruise ship, rated a score of 4 or more (out of a possible 6).  

A vital factor in maintaining the integrity of our budgeting is that cruising results in a maximum average cost per day, not to exceed a combined $350 including fees, taxes, and tips. This amount far exceeds our average daily rental of $50. However, we are booking cruises to be a mode of transportation to and from countries where we’ll have booked a vacation rental. 

Cruising replaces the following usual travel expenses:
1.  Cost of Rental
2.  Three (or more, if preferred) meals per day
3.  Transportation to and from the rental location
4.  Taxis, car rental, trains, buses, and other local modes of transportation while getting around the area

Some cruise pricing includes tips, others do not. Keep in mind that tipping may be as much as $25 per day, per person. We have included them above in our daily total. Also, every cruise has an ongoing credit account for the charges, WiFi, non-included tips, drinks, meals in specialty restaurants, spa services, certain activities, and of course, the casino and shopping in the “tourist trap” shops.  

Internet access to your digital equipment is very expensive. Turning off data and roaming features will avoid the shock of one’s life when seeing the bill at for the onboard WiFi fees.

It’s imperative to check in advance with the cruise line as to WiFi policies and charges. Future posts will explain cell phone usage and Internet access while traveling abroad, a challenge for long term travelers like ourselves visiting 25 countries in less than 2 years (Yes, the itinerary will be posted soon)!

The cruise guy (and company we are using) Joaquin, at Vacations To Go has an appealing pre-booking incentive: book cruises in advance, and as prices drop, the customer receives the benefit of the reduced pricing, up to 90 days prior to the sailing date, being unaffected by potential price increases. 

Pre-booking secures a decent cabin that we choose at the time of booking by paying the deposit, usually around 25% of the cost of the cruise. We refuse to stay in an inside cabin many of which have little space, if any, to even walk around the bed. All of the cabins we are choosing are either a “Balcony” or “Mini-Suite.”  

In summary, cruising costs about $200 more per day than staying in a rental. Building a budget that allows for this expense, adds much to our enjoyment while freeing us on transportation costs, preparing meals, and handling baggage. The opportunity to see a little piece of many locations in a short time span is appealing.  Adding to the experience is choosing a cabin on the correct side of the ship, allowing the best viewing advantage of land throughout the cruise.

Most cruise fares include port charges but getting off the ship at various ports will undoubtedly result in often hundreds of dollars in additional charges for excursions, meals, shopping, and the usual hawkers selling their wares. We will stay on the ship as much as possible to avoid these tourist traps. 

Soon, Criteria #6 will be posted. Thanks for stopping by!

A dream is born!… Is it affordable?…Are we crazy?

We are everyday people. We aren’t wealthy. Tom worked hard for 42 years on the railroad. My career mostly consisted of owning a small real estate company experiencing varying degrees of success and failure, always subject to the turns of the market and my own life experiences, ups and downs.  

We’ve lived in a fabulous lake house with the upkeep that sucked up most of our income but rationalized it that the joy of living here together was worth the expense and sacrifice. Our retirement income was growing due to Tom’s contributions and we didn’t really worry much about the future.
Then the economy burst and we, like so many others, lost a chunk of security while at the same time my desire to battle the failing real estate market waned day by day. I threw in the towel and retired eighteen months ago. Good grief, I applied for Social Security, after paying in for 45 years. It was hard to believe that time flew by so quickly. It was only yesterday we were chugging Vodka Gimlets and dancing at the disco.

I had often said that I’d never retire having loved the clients, the excitement, and the gratification of helping people make the biggest financial decision of their lives. It was now over. I felt sad. What would I do but wrap myself up in the eventuality of Tom’s retirement?

My goal was to come up with some ideas to present to my exhausted husband on the weekends who still working twelve-hour days this late in his career, along with the two hours of driving time. I had felt a little guilty being home, not contributing more than packing his three-meal-lunch each day and the basic, relatively easy everyday running of our two-person household.

The days until Tom’s upcoming retirement had been a daily reminder in an app I had installed on my DroidX phone, Retirement Countdown Free that today says: 7 months, 16 days. I look at it every day. It doesn’t seem to move. But it does. It’s Halloween. I keep counting on my fingers to ensure it is accurate. It is.

Strangely, during this time, we negotiated a deal, albeit at a loss, to be rid of our house to free us to move on. Not what we had wished. We knew that living on a retirement pension the upkeep would be prohibitive forcing us to live the last third of our lives in a perpetual state of stress, leaving no room to travel. We hadn’t been on a real vacation together in over fifteen years never wanting to spend the money or to leave, or a beautiful home.
Invariable, Tom and I spent the bulk of our vacation time working on projects around the house, him oblivious to his skills as a hard-working handyman. He can fix just about anything. I have been “the helper” washing the insides of the windows, cleaning, doing laundry, and happily cooking our favorite meals and desserts (more fun when we weren’t low carb, gluten-free).  

Neither of us ever minded the definition of the stereotypical male/female roles. We grew up in an era when gender roles were more defined than today. We never fought it. We never fought with one another over it. We relished in giving each other the very best we had to offer, without complaint, without judgment, without “snipping” (in itself, the secret to our marital success).

So, as we counted down the days, each weekend we began talking about that which most Minnesota “Snow Birds” do; move to a warm climate in an income tax-free state, downsize our “stuff,” sadly say goodbye to our family and friends, sell one of the two cars, and occasionally go on a Viking River Cruise with other “old timers” like ourselves.  

We finally relented buying the proverbial AARP card, good for a full five years. Wow, we can get a discount at Denny’s in Las Vegas, Perkins in Rapid City, or Old Country Buffet in Miami! Here come the Golden Years! Ouch, more than those crunchy joints are hurting!

In our typical fashion of online researching of literally every thought, our brains regurgitate, we investigated best places to retire in the US,  buying an RV, moving to a retirement community, or simply renting a condo in Scottsdale, Arizona while we think it over. Although not an income tax-free state, the climate is good in the winter, the desert appealing for its mysterious beauty and the population not unlike ourselves. A good temporary solution.
On my laptop, an Excel spreadsheet in front of me, I plugged in formulas and numbers to create a “feasibility study” to determine our future financial life considering the average rental cost of a typical condo, utilities, groceries, health insurance, medical including prescriptions and co-pays, cell phones and Internet, food and entertainment, etc. We could survive, we determined.  
It was Saturday afternoon, January 7, 2012. We had just reviewed the numbers in the spreadsheet while sitting in our usual comfy chairs in the family room, the TV on quietly in the background, freshly poured frosty glasses of iced tea on the side table, the smell of pot roast in the oven wafting through the air (love that word!) and we looked at one another, our eyes locked in a gaze as powerful as an embrace.  Tom took a deep breath and quickly blurted out, his words running together awaiting my reaction and said, “Let’s not have a home and travel the world instead.”  
I gasped. I paused. I said, “Wait, give me a minute.” I looked at the spreadsheet. I removed the rent, the utilities, the car and its insurance, the annual vacation, and all the expenses that would go away if one didn’t have a home.  

I added back the following onto the new worksheet: visas, taxes and tips, airfare, ferries, taxis, auto rentals, cruises, food (eating in 6 days a week, eating out once), a monthly (or longer) vacation rental home fully equipped with kitchen and all household goods, entertainment, unexpected expenses and on and on. We talked. We giggled. We dreamed aloud. We accepted that our preliminary numbers were subject to change as we completed more research.

The pot roast was done. The time had flown. We inhaled our dinner anxious to swallow the next bite in order to say something more, interrupting each other, as we often do. We couldn’t watch the favorite shows we had taped during the week. We talked all night long. The remainder of the weekend was a blur, fingers flying across the keys in our relentless pursuit of more and more information. 

Tentatively, tempering our enthusiasm, over the next several weeks, we came to this startling realization: If we didn’t have a home, with its fixed monthly expenses, we could travel the world as long as we wanted to, living off of our monthly income alone, as long as it met strict criteria.

Now, two and a half months later, after hundreds of hours of research, we have booked and paid deposits for 492 days beginning October 31, 2012, with more plans brewing imminently. Planning is a full-time job in itself.  

The next post will include: the strict criteria to make this possible. And soon, the set itinerary thus far, the resources we have used to make this possible, the endless list of “to do’s,” the amazing people we have encountered all over the world, and most of all the preparation we are making for all the “what if’s” that we will surely encounter along the way. Then, of course, there are the “unknowns” that we choose to acknowledge exist and pray that our good sense and resources will guide us along the way.

Fearful? A little. Joyful? A lot.