Izmir, Turkey excursion today…Off to see Ephesus…Rioting in the area…

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For news on Izmir, Turkey, please click here.

Last evening, as our ship the Norwegian Spirit, pulled away from the pier in Istanbul, Turkey.
Turkey’s interesting architecture.

At 11:30 am this morning, Turkey time,  which is eight hours later than the US Midwest, ten hours later than the West Coast, our ship will dock in Izmir.

Feeling a bit concerned about visiting Istanbul, Turkey we stayed behind yesterday planning to visit Izmir, Turkey today on a prepaid excursion, feeling an organized excursion would be safer than wandering around on our own.
We took these photos facing the sun as it set yesterday in Istanbul.
Our new friends, Nicole and Gerry had called yesterday, asking if Nicole could join Tom and I since Gerry sprained his ankle and won’t be able to go on the tour to Ephesus after all. Of course, we’d love for Nicole to join us. We planned to meet at the designated meeting area at 11:45 this morning. 
The excursion is scheduled to depart around 12:15 pm, returning to the ship at 5:30 pm. 
A haze obstructed the view as the sun was setting, a combination of heat and pollution, a result of the big city along the sea.

Last night, after attending yet another Latitudes members cocktail party in the Galaxy of the Stars venue at 7:00 pm, later dining in Windows Dining Room, another wonderful evening was behind us. Dining alone for a change we chattered on about our experiences thus far and our dreams for the future, albeit some of which is uncertain which much to our surprise, is fine with us.

The spires of the many mosques dotted the skyline in Istanbul.
Returning to our cabin around 10:00 pm, typical for us since we awaken quite early, we found these two items on the bed:
This adorable frog was sitting on our bed last night when we returned from dinner, made from one of our beach towels and a few washcloths!
This letter was on our bed last night when we returned from dinner.

Feeling committed to our non-refundable tickets and our plan to meet up with Nicole for the excursion, we decided to forge ahead. When in the future with so much “world” left to see when would we ever return to Turkey?

Most likely we’ll be safe. Wouldn’t it be great if our Uzi welding, security guard, Mohammad from Egypt, was riding on our bus and following us around! 
Ironically, there I was writing yesterday, providing all the reasons to avoid risk and here we are today, walking right into it.  So off we go today, camera in hand, ready to shoot what we hope will be better photos of our expedition as we explore the ancient city of Ephesus.

It’s a one hour drive each way to Ephesus, where we’ll spend approximately three hours.  I’m hoping it’s as exciting as Petra minus the difficult three-hour walk uphill half of the way.  In any case, if we prove to be safe, I’ll crawl through mud to return without incident (and take photos of that as well).

We’ll be back tomorrow with our story, hopefully safe and sound and grateful for yet another enriching experience as we continue on in our worldwide adventures.

Ancient buildings at every juncture.
Goodbye Istanbul.  May your citizens (and visitors) be safe from harm.

Boots, illness updates and…figuring out our insurance needs…

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Oh, the Clark’s boots!  I wanted to keep them so badly that I took them to a long established boot and shoe repair company in Wayzata, Minnesota, Bob’s Shoe Repair.  

Brian, a young, although highly skilled leather craftsmen at Bob’s was confident he could cut out three inches out of the calf of the boot, put them back together leaving me satisfied with the comfort, look and fit.  He succeeded.  Thanks Brian!

I picked them up yesterday and couldn’t be happier. The cost for the repairs: $100.  Total investment in the boots including repairs: $249.   With the promise of a great rating online, I offered the seller of the boots a five star rating, if he’d credit me the $14.95 I paid for shipping.  He immediately posted the credit to my PayPal account.

Why did I deserve a credit for the shipping? The online description of the boots indicated a 14″ calf circumference when in fact, it was 16″ resulting in the necessity of the repair. I would have been satisfied with 14″ circumference. (My outrageously skinny calves measures 12.5″).  Now, I’m beautifully repaired, I’m content.

The sinus infection I reported on two days ago is improving without seeing the doctor or taking antibiotics. The pulsating headache would have driven me to seek help had it not begun to dissipate later in the day yesterday. Today, I awakened with only a slight headache for the first time in eight days. It’s on its way out.  
Thanks, Neti Pot, Aleve, Tylenol PM at night (with acetaminophen and Benedryl), lots of water, less dairy and light activity, coupled with periods of rest, good food and the loving support and comfort from my hubby.  Now, I know I will most likely survive a sinus infection without antibiotics.

In the beginning stages of figuring out our insurance needs, I spent a few hours yesterday with our long time highly competent broker/owner of our local State Farm Insurance office, Chad Babcock.  Having worked with  State Farm for the past 40 years, we have never had a problem.  

Before we begin traveling we must address these three major insurance concerns:
1.  How will we insure our luggage, computers and equipment without the security of homeowners insurance or a permanent home?
2.  Will we be able to buy a policy to avoid the high cost of insurance when renting a car abroad, which may be as high as $30 a day in certain locations?
3.  Medicare doesn’t cover seniors traveling out of the US and its territories. What type of policy will cover me, turning 65 in six months, while out of the country?  

With Chad’s help and a few phone calls later at home, we came up with the following scenarios:
1.  Baggage Insurance:  Once we acquire our Nevada residency and address, we will be able to purchase “renter’s insurance” covering the value of our belongings traveling with us, attaching a “rider” for our computers and digital equipment.  
2. Car Rental Insurance:  Many have the perception that one’s own auto insurance will cover a vehicle and liability while traveling in a foreign country. Not the case!  Plus…we won’t be owning a car here in the US, if it did.  We’ll bite the bullet on this one  We’ll pay the insurance at the time of renting the vehicles throughout the world.
3.  Health Insurance:  Without Medicare, a senior cannot purchase a supplemental policy which usually covers most of the costs Medicare doesn’t pay. Thus, I will be required to apply for Medicare (Tom will have five years until he is 65), pay the monthly fees out of my monthly Social Security in order to receive the supplement.  
Plan A:  The cost of the supplement is $185 a  month at this time along with the required Medicare payment for a monthly total of approximately $285.  The hitch:  traveling out of the country allows a total lifetime benefit of $50,000, rather skimpy.  Our insurance guy gave us a quote for me for $432 a month for full coverage, with no limits but add the approximate $99 a month for Medicare, we’d be paying $531 a month, a huge chunk. Tom, obviously younger than me by five years, will be covered up to 94% with the policy offered to him by his employer plus the necessary supplement until he turns 65.  His total cost (for the next five years), $207 a month.   GRAND TOTAL FOR BOTH:  $738  (Yikes! I hadn’t budgeted for this amount)!

As of this writing, I had a light bulb moment!  Duh??? This is not rocket science!
Let’s look at the realities. Tom with better health than I (as hard as I have fought to win over my genes), rarely visits the doctor.  Would the 80/20 (OK out of the country) company provided policy be sufficient for him, saving us $207 a month on the supplement?  

Plan B:  The only difference is 14% (based on the 80/20 coverage without the supplement, as opposed to 94% coverage with the supplement). Then, we purchase the “big guns” policy for me with a $1000 max-a-year out-of-pocket policy with no limits?  GRAND TOTAL FOR BOTH: $531 a month!! 

The financial risk for me?? None! The financial risk for Tom? We’d have to pay a maximum of 20%. Sure, I did the math, the savings of $207 a month over let’s imagine five years, is $12,420.  If he had a $60,000 medical bill, we’d be even.

For now, until we get our feet wet on this adventure, its worth the risk.  In the meantime, this pays for the insurance on the rental cars.  (If a traveler has an accident in certain foreign countries and doesn’t have insurance, they can be detained until the bill is paid in full.

Tom just returned home.  We discussed the above options A and B and we choose B, freeing up the $207 a month to cover the insurance on the rental vehicles.  (We don’t plan to have a rental car more than half of each month to keep costs down, vital all month in some locations and seldom needed at all in others). 
Of course, all of this could be a moot point when Obamacare kicks in. Not intending to get into politics on this site, this uncertainty faces all of us income earning citizens.  Where will Medicare be in the next few years?  None of us know at this time and, probably won’t be able to figure it out in the future.

Hum….