Sometimes it hurts…

Awakening at 5:50 am after a fitful night, feeling exhausted from “running” in one confusing dream upon another, a wave of sorrow ran through me.  

This past Sunday was the memorial service for our beloved friend Chip. I wrote about him in my June 1, 2012 post (please see the archives) and was honored to be asked by his wife and our friend, Sue, to share that post during the service, with the many devoted family members and friends in attendance to say their last goodbyes to this very fine man. 

Lying in bed, thinking about Chip no longer being four doors away, that involuntary rush of tears filled my eyes. Deciding to distract myself, I ventured to “read my phone,” a habit I’ve acquired since first owning a smart phone; read my email, peruse last night’s texts arriving after we’d gone to bed, check out my newest Facebook blurbs and scan through Engadget‘s daily updates for the latest advances in technology.

Spotting a lengthy text from my dear younger sister Julie, a Hollywood TV producer, I breezed through the usual, saving her message for last. She plans to make her last visit here soon to once again celebrate her birthday. I was touched by her words, “Your home has been my haven, my peaceful place to go to recoup, to recover, to celebrate so many times in my life.” The tears flowed freely.

I was reminded how hard it must be, not only for us, but for all of our loved ones, to no longer have access to this comfortable home, surrounded by water, abounding with the gifts from Mother Nature and often overpowered by the aroma of loving prepared home cooked food.

It wasn’t perfect. It never is. But, it was our home for many years. We did our best to make it “home” for a little while to whomever graced our door, to send them home with returnable containers filled with food, always hoping they’d return soon to fill them once again. And they did.

While I allowed a little sob to escape my lips, determinedly I jumped out of bed, anxious to tackle the day’s tasks, so many of which lately revolved around the “preparations,” a seemingly endless list that must be accomplished in 3 months and 8 days from today, the day we leave.

WorldWideWille, a fine dog 

Scurrying around the house, bath water running, I emptied the dishwasher, filled and fired up the tea pot (still not drinking coffee!), neatly made the bed, and stopped to take a deep breath while staring out the window.  

My eyes fixated on the tiny headstone, a gift from a dog loving friend, where our little Australian Terrier WorldWideWillie was laid to rest only 15 long months ago. 

(If you are a dog lover, click the above link to his blog, written from his perspective, over the last days of his life. Please scroll the archives to get to the beginning). 

The tears, not quite gone, reappeared with a sob, for a moment, sucking the air out of my lungs.  Willie was named for our interest and love for the wealth of information provided by the Internet so long ago, as this blog was named as a tribute to him, for our interest and love for him. 

Ah, life is so complex, yet so simple, so joyful, yet so sad. We lose the ones we love, both human and animal, maybe now, maybe later, grasping each moment as a gift, as a memory that we behold wherever we may go for however long we may have.

The house and the things in it, the ambiance created by its warmth and charm, the breathtaking views surrounding it, is merely the tools that we used to build the memories. When the tools are gone, the memories will remain, forever in our hearts and minds.

A half hour later, ready for the day, my tears dried, a second cup of tea in hand, I heard a knock at the door. There stood my next door neighbor and friend, smiling from ear to ear, just in time for me to whip up a low carb breakfast of gluten free, Portobello mushroom, Vidalia onion, and spicy pepperoni omelets laced with shredded mozzarella cheese.

Life is good.

Medical woes abroad?…

The uncertainty of the quality of medical care in the many countries we will visit, undoubtedly presents us with cause for concern.  Overall, we are both in relatively good health after working so hard to improve it these past few years.

With our healthful, low carb diet of organic, grass fed meats and produce, exercise (mostly me), reduction in exposure to toxic chemicals in our home, low stress and a happy relationship, we feel we can manage our few complaints easily from afar.

Our doctor will be available via the Internet should we have questions and we’ll be well armed with a wide array of preventive and emergency medications should an illness arise.  In the past almost year, neither of us has had a cold, a virus or illness requiring a trip to the doctor.  

Our recent medical appointments have been for the sole purpose of reviewing our travel medications, receiving our vaccinations and having blood tests with an annual exam thrown in for good measure, all of which showed tremendous improvement from a few years ago.  We are hopeful.

Assuming we don’t get bitten by a snake or warthog, break a leg or have a sudden gall bladder or appendicitis attack, we should be fine. But, of course, we must plan for the possibility of illness in the following manner:

  • Emergency evacuation insurance
  • Supplemental insurance for Jess (Medicare won’t pay for any care out of the US). Only 60 at retirement, Tom will be covered by his regular insurance.  Proof of insurance documents.
  • Prescription processing from afar (as mentioned in prior posts, we’re awaiting a response from our prescription plan as to whether they will provide us with 12 months of prescriptions at a time).
  • Emergency medication for infections, bee stings and/or allergic reactions (EpiPen) and gastrointestinal distress.
  • Copies of all of our immunizations (proof of yellow fever vaccine required with passport upon entry into Kenya).
  • Copies of all of our prescriptions (in the event we are asked during customs inspections or going through security).
  • First aid supplies: Bandages, antibacterial and cortisone creams, alcohol, hydrogen peroxide (small bottles).
  • Over the counter medications.
  • Vitamins/Supplements we currently use.
  • Medical records for both of us (scanning these).
  • Optical needs: extra sets of glasses/prescription sunglasses for Tom,  three years of contact lenses for me. Both of us are yet to have our final optical appointments.
  • Final dental appointments and supplies: Our teeth will be cleaned two weeks prior to leaving the US, while visiting Las Vegas over Christmas. The past few years, we both had all the crowns done that we’d needed.  
  • Copies of our living wills and legal designation for medical advocacy in the event of an emergency.
A neat stack of medical forms and documents sits on our kitchen table with Post-it notes reminding me to complete the above tasks on the appropriate dates.  
This Saturday is the free shredding event.  After going through every file  folder, cabinet, drawer and piece of paper in our entire home, we are ready for the event.  No words can describe the freedom we feel from unburdening our lives with paper.  
Other than the required medical documents, passports and  travel documents we’ll need to have on hand, we’ll leave a “paperful” life behind us, instead relying on the latest technology to provide us access as needed.  Yeah for technology!  Without it, planning for this adventure would be more of a headache than it already is!   

Shredding a lifetime of papers…

As October looms nearer and nearer to our Halloween departure date, I lay awake at night prioritizing my tasks. With Tom gone to work Monday through Friday for 14 hours a day, the sorting and packing of a lifetime is logically in my hands. 

A portion of the most unbearable tasks has been started or completed, including the cleaning of our formerly junk laden attic, the messy top of my closet, many overstuffed drawers and hangers with outdated forgotten clothes, much of which I already hauled to Goodwill.  

We’ve scanned over 500 photos thus far with hundreds more to go.  A few months back, I removed every photo in a frame in our house, scanning the photo and saving an entire plastic tote filled with frames to be sold at our upcoming estate sale.

Looming in the back of my mind these past months have been the papers; boxes, drawers, file cabinets, banker’s boxes filled to the brim with receipts, tax records, legal documents, forms, medical files, certificates, insurance policies and on and on. 

Although not hoarders, we’ve kept that which we thought we’d need to keep, 90% of which we never referenced in all of these years. After assessing the paper inventory over the past months, I came to the realization that saving these documents would require no less than a 5′ x10″ storage facility, costing no less than $50 a month.  Goodbye, papers!

I called our accountant asking a few pertinent questions:

How long is one required to keep tax returns?

How long must one keep the supporting receipts for the tax returns? The answers to these questions are vague (Isn’t it surprising that the IRS would be vague?)  If you cheat on your taxes, you’ll need to keep your records indefinitely!  If you don’t, please see the IRS link for the vague answers.

Final question for the accountant:
Will he be able to do our taxes when we are no longer residents of Minnesota? Answer: Yes, as long as we have access to the internet.

The magic of the Internet with the availability of keeping digital personal records is steering us further and further away from the necessity of keeping paper copies of everything.  Our medical records, bank statements, income records, financial records, and other legal documents an now be kept online in a secure “cloud.”  
I made a list of the documents we’ll need to keep and subsequently store. (This list may be different for you depending on your personal circumstances).  

Documents to store:
  1. Original titles to cars (until we sell them both before we leave the US).
  2. Tax returns past 5 years (accountant has these also)
  3. Tax receipts for the past 7 years (per the advice of the accountant)
Documents to bring with us:
  1. Passports, upcoming visas, travel documents
  2. Originals of birth certificates, baptismal certificates, marriage certificate 
  3. New driver’s licenses for new state of residency
  4. Health: Insurance cards, current prescriptions, actual prescription bottles, immunization records, emergency contact information in states
  5. Checkbook (some property owners would like the balance of the rent paid via check) and recently renewed debit and credit cards
  6. Travel insurance documents
Today, after a brisk 45 minute walk on an otherwise lovely morning, I returned home with a certain sense of dread knowing that I must begin the sorting process.  When beginning a dreaded project I’ve always preferred to begin with the “worst first.”  

First, I attacked the old style wood two drawer file cabinet in our bedroom that loomed in my mind in the middle of the night. 
My next concern is the disposal of the papers, shredding and recycling as the only logical choices. After researching online I found a free shredding event which I put on my calendar with a plan to haul my two big bags of papers on June 23rd to the grocery store parking lot where Shredit will be offering the service to the community. 

After sorting for most of the day, I’ve discovered few simple steps to keep the amount to be shredded to a minimum:
  1. Place two plastic totes on either side of your chair, designating one bin for recycling, the other for shredding
  2. Place a cabinet, drawer, or box of papers in front of you on the floor
  3. Go through papers, removing envelopes, advertising, printed booklets and anything that doesn’t reference your name, address, social security number, bank account numbers, dollar amounts, etc., placing papers in appropriate tote; all personal items go into the shredding bin, all peripheral papers in the recycle bin.  (Tear off parts of forms with your personal information and save the rest for the recycle bin).
You’ll be amazed how much smaller your shredding pile is, as opposed to the recycle pile.  Place papers to be shredded into containers as suggested by your free recycle event into either bags or boxes.  Deliver them to the specified location on the specified date and time.  If one has additional shredding beyond that which the shredding event will accept, one can plan to repeat this process closer to the next arranged date in the area.  
Often, waiting for a free event is difficult when we so much want to get this cleaned up and out the door.  Most office supply stores have a shredding program (prices vary by locations and promotions).

Although I still have several more days of papers to toss, it’s less intimidating with this simple plan in place.  Hopefully, by week’s end this task will be completed, leaving me with little piles of the documents we will be taking with us on our journey.  I am looking forward to an enormous sense of relief.

Tomorrow is Round #3 of vaccinations which will include the first  of three rabies shots.  I’ll keep you posted!

Our Las Vegas vacation home! Photos included…

After searching the various vacation home websites for several hours, we found this house in the Green Valley Ranch area in Henderson Nevada, a highly desirable location, about 20 minutes (10.5 miles) to the Las Vegas strip and about 10 minutes (5.6 miles) to the airport.  

Based on requesting a rental for this prime season dates, December 21 to December 28, 2012 (our “vacation within a vacation” since we’ll still have the Scottsdale condo, soon to be posted), we didn’t make any effort to negotiate the price.

Why did we choose a vacation home as opposed to a hotel room on the strip? Cost was the major motivator.  Also, its more conveniently located to our family and friends, great shopping at The District (.4 miles), restaurants and theaters, all of which we will particularly enjoy during the holiday week.   

There were few affordable homes available in this prime area during the holiday week due to the fact that many owners preferring to spend their holidays in their own vacation property. 

Although not as exciting as many of our future rentals, this house will serve our needs, provide room for our visiting family members and keep us from the necessity of dining in restaurants each day.

Here are the estimated costs for one week, house verses hotel, assuming the nightly rates are the same:
     Vacation Home____                    __________Hotel___________
Rent:            $1,330.00                   Rate:                      $1,330.00
Groceries:          600.00                   Hotel Taxes & Tips:       332.50
Dining Out:        275.00                   Valet Parking:               280.00

Total:          $2,205.00                   Dining, Tax, Tips:       1,820.00
                                                      Total:                    $3,762.50   

Total Potential Savings:      $1,557.50  

Having calculated dining out for two dinners for the two of us, we factored in the cost of groceries for five of us (or more) including the additional expense of Christmas Eve (traditionally, steak and lobster) and a special (yet to be determined) Christmas Day dinner.

Yes, there is the ease of staying in a hotel with the prospect of feeling pampered. As we plan for the future, our desire to be pampered has “wafted” away as we look forward to our world travels over the next number of years.  

Both Tom and I have thoroughly enjoyed pampering one another over these many years together and this, I assure you, we’ll continue to do so wherever we’ll live.

Did I mention the $1000’s we’ll save without easy access to the gambling tables and slot machines???

Charming House with Pool, Spa, Bbq, Wireless InternetGreen Valley, Henderson, Nevada Vacation Rental by Owner Listing 301335http://www.vrbo.com/301335