Sick abroad…What wll we do?

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The dreaded Neti Pot!

Last Tuesday during the night, I wandered in and out of fitful sleep with my head pounding.  I never get a headache!

Dragging myself out of bed, choosing to ignore the heavy feeling in my head, I went about my day knowing something just wasn’t right.  This feeling continued all week long alleviated to a degree with various attempts: Tylenol, Motrin, and Aleve.  

Saturday morning, awakening with the worse headache yet, now with a stuffy sensation in my nose and head, I realized I had a sinus infection.  In the past, a sinus infection resulted in an immediate visit to the doctor or urgent care for an antibiotic prescription.  

Every few years in the fall, I’ve developed a sinus infection.  Whether it was due to an allergy from ragweed, prevalent at this time of year, precipitating an infection or merely a coincidence, this is a familiar plight.  Antibiotics always work within 24-48 hours, resulting in an enormous sense of relief.

Everything is different now. After the past two years of retirement and obsessively learning more about health online, we now both feel adamant that antibiotics should only be taken in a life threatening scenario.  

Generally speaking, for me, a sinus infection is not life threatening unless it develops into a more serious respiratory or otherwise infection. It is painful and annoying with pulsating headaches, congestion, sinus pain, trouble bending over and rampant lethargy.  It varies for the individual.  (No intention to offer medical advice here. Please see your medical provider for care.)

Why not give in and take antibiotics, I thought several times while bent over the kitchen sink, Neti Pot in hand, pouring warm salted water into one nostril and then the  other?  Yuck!  This is not fun!  

For us, it’s more than the desire to avoid antibiotics at all costs.  We must learn to cope with the inconvenience of minor ailments that we can easily attend to ourselves.

Many times over the years, I wearily visited the doctor, five days into the achy flu, the dry cough, the flaming sore throat, the sore elbow or the swollen knee, convinced that the ailment was only getting worse.  Leaving his office, prescriptions in hand, I already felt better and wondered why I hadn’t just “waited it out.”  Placebo effect, perhaps?  

Yes, it could be.  If so, why can’t “waiting it out” while taking advantage of home remedies, proven holistic and alternative remedies, plenty of rest, lots of fluids and a light diet provide the same end result?  In some cases it may.

So, here is my first illness since last fall, and I am trying it out.  Motivation?  To prove to myself, that while along the way in our travels when we are living on the island of Madeira, (for example) for three months, 1200 miles from the coast of Lisbon, Portugal that we can be proactive as opposed to reactive when it comes to our health.  

It’s about tolerance, creativity, patience and good sense.  Of course, we will seek medical care wherever we may be, if a situation is serious or life threatening.  I will post here with the results of this “experiment.”

The Neti Pot is calling me. I put it off this morning when I stumbled out of bed, head spinning, promising myself I’d do it at noon.  Well, noon has passed.  Here goes!

Results of my gold and silver sale…

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As I stood in the kitchen at our high granite counter top (to accommodate my tall stature), sorting the last minuscule piles of a lifetime of gold chains, earrings and bracelets (mostly from the 80’s) along with more recent sterling silver, I chuckled to myself.

Who was I kidding to think that all of this was “real” gold and not some cheap imitation I fell sucker to in my more naive days (when were those?).  They looked and felt like real gold.  Then again, when was I ever willing to spend $100’s if not $1000’s on myself?  Only a few times. There always were other priorities and I was never that interested in jewelry.

Somehow, over the years I managed to acquire a few chains, a few pairs of earrings or a bracelet that “looked” like gold.  As trends changed from gaudy layers of gold chains around one’s neck (as Tom calls them, Mr. T’s starter sets) and wrists, I fell prey to the appeal of more reasonably priced sterling silver.  As prices on sterling silver climbed over the past several years, stainless steel earrings started looking really good to me, categorically arranged on the wall at Target for $5.99 a pair!  

Alas, the gold and silver guy, Bill Boyd, referred by our estate sales guy Jim Anderson, appeared at our door at 10 am this past Thursday, bringing along with him, estate jewelry store owner, Ann Eliason of Ann & Jack’s Vintage Jewelry, in Hopkins MN.  Oddly, neither of these lovely folks conduct business online. But, what they lack online they gained in person! 

The gold and silver business attracts many vultures as purported experts, are more than willing to give a motivated, customer supposed “top dollar” for their gold and silver.  Customers walk out of their stores, $80 in hand thrilled they finally unloaded this useless pile of tangled chains (by the way, it is not necessary to untangle the chains). 

Some crafty buyers conduct parties in homes, similar to the old Tupperware parties whereby the guests bring their old gold and silver to sell on the spot. With the host offering up appetizers and wine, a lively party ensues.  A few wine glasses later, negotiating is out the window along with $1000’s from  these unsuspecting party goers.  Not for me.

Over the past several years I procrastinated about selling it not only leery of going to one of those stores in a mall or parties, but not motivated enough to start picking through the over-stuffed jewelry boxes of which I had little interest. I guess I’ve been more lazy about it than anything.  

For two solid hours, while we clucked like hens thoroughly enjoying the time together, they meticulously picked through my “stuff” with the jeweler’s glass in their eye talking all the while.  Their efficiency was evident and I was at ease, expecting to end the day with little more than a few hundred dollars.

After the rude awakening of what was “real” and what wasn’t Bill asked me for a piece paper and a pen.  I scrambled around the house, looking for a piece of paper.  Ha!  I chuckled again.  

I had trouble finding paper.  I hardly use paper, computer geek that I am.  Ah ha!  I grabbed some paper out of the printer, rousting up a pen, handing it to Bill while he weighed the little piles of gold and silver on his special “pennyweight” scale.  The word “penny” scared me. Goodness.  Will I end up with $10.62?

Scribbling on the piece paper,  finally silent as a mouse, after having looked up the gold and silver rates (which I had done before they arrived!) and Bill writes this number on the piece of paper: $2,810!

I tried not to look shocked as he explained how he arrived at this number. Negotiate?  No, way!  Show me the money!!!  He did.  

Next week, Ann will get back to me with an offer on my wedding ring.  We’re not taking any risks and bringing along any fancy jewelry on our multi year journey that may attract thieves.  Sell my ring?  Yep! Remember, no attachment to “things.”

We will remain attached to people, to Mother Nature, to life changing experiences, a few creature comforts, food for survival, endless learning and of course, each other.  That, my friends, is priceless!

Life is never risk free..

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What were our motives for starting a blog about “leaving” seven months before we are actually “leaving?”  In my mind the intent has been simple, document the process as a means of lessening the emotional blow.

Almost to the day, a year prior to starting this blog, I wrote my first blog, an accounting of the last days of the life of our precious little dog, WorldWideWillie, written from his perspective, followed by me, after he passed. 

Much to my surprise, we had over 500 followers with no marketing, no advertising, no promotion, other than by my own comment to a few friends and a few references in own poorly maintained meager Facebook account.  

Somehow, people were reading it across the seas.  Perhaps, key words. Perhaps, one person in the US, sent the link across the world to a grieving relative having recently lost their own beloved pet.

What did this accomplish for us?  Lots of tears each day as I read aloud to Tom, “what Willie wrote” as he sat at our side, nose touching my leg, tilting his little head each time he heard familiar words of which he knew so many.  

But, most of all, it was a vital part of the healing process. I love dogs. I love dogs too much, too deep, the same as with people. In time, through the words, the healing entered our hearts as we began to talk about him without crying (still do sometimes). And, I stopped counting on my fingers how many days, weeks and months had passed since he left us.

And now, this time, this blog, 1000’s, not 100’s of readers, all over the world are sharing this experience with us.  Thank you, readers.  Thank you so much for coming on this journey with us, even now at this early date, three months away.  

Most of you silently observe, some with disdain, some vicariously, some with curiosity and some, like me when reading other’s blogs, hoping to glean a tiny morsel that will somehow change our lives.

This is not just a blog about two crazy retirees traveling the world for what may prove to be many years. It is also about leaving everyone we love, everything we have loved, the familiarity of a comfortable life and all of our worldly possessions, not contained in four over-stuffed suitcases and two carry on bags.   

Writing this blog has the same powerful healing effect that we encountered when writing about Willie.  Plus, it serves as a powerful reminder of that which we have learned along the way, to reference the multitude of tasks to do now and into the future.

We “heard” through the grapevine that some people think we have no idea of what we are doing and that “we are in for some big surprises.”  Yes, we surely are!

Did the senior know what he was doing when he jumped out of an airplane for the first time on his 90th birthday? No. He took the risk for the adventure.

After 100’s of hours of research we both feel we know the risks: death due to injury; crime or illness; illness or injury requiring an expensive (although insured) trip back to US; being a victim of a crime; theft of our belongings (which will also be insured); theft of our deposit or the property not being as expected or represented; unable to obtain a visa or gain entrance into a country; being stuck in airport or on the tarmac for days; cancellation of a cruise at the last minute due to maintenance issues of bomb threat; a cruise ship tipping over; false imprisonment (we won’t knowingly commit a crime!) and more.

What if a warthog cuts us with his sharp tusks?  Or we step on a snake resulting in a life threatening bite? Or a creepy worm makes its way into the bottom of our foot to travel to our brain? Yuck!

When we read the newspaper or watch the news each day, all of these risks occur throughout the world and also, here in the US.  Seniors fall down a flight of stairs in their own homes, resulting in horrible injury or death. Food poisoning occurs in our local restaurants.  Pins are found in a sandwich on a domestic flight. Citizens are shot and killed in their own homes, as an unintended victim of violence.

Good grief!  We could spend our lives immobilized by fears, a slave to our own environment.  Or, we can venture out performing everyday tasks, enjoying our families, our friends, Mother Nature, our work and our hobbies, all of which are laden with a certain degree of risk.

Life is not without risk.  Do we “prepare for the worst and expect the best?”  

No. We choose to be as educated as we possibly can about the risks, proceed with caution along the way, avoid risk and pray for a little good luck.  And, as life has its ups and downs along the way, as it surely will, we will holster our usual optimism hopefully discovering a logical solution together.

We’ve never done this before. This is not the same as traveling for a month or two, returning “home” to repack, paying the bills, reading the mail and visiting with our family and friends.  There will be no “home” to return to.

The message is clear in the old adage, “home is where the heart is”. This will become our motto. After all, we are taking our “home” with us not only in our hearts and minds, but also in each other.

Luggage carts…practical or foolish?…

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We deliberated over buying luggage carts. Would they simply add additional weight to haul around the world?  Would we be charged extra baggage fees to store them on the plane?  Would they serve as a invaluable resource to make the transportation from location to location more manageable?

After spending several hours researching baggage restriction on flights and after analyzing and weighing our load, thus far, we came to the conclusion that we must take the risk and buy the carts.  Restrictions on cruises are only a “per bag” limit weight of 70 pounds to avoid injuries to their handlers. There are no restrictions on the number of bags on cruises.

What if we could place each of our two 50 pound suitcases, our 40 pound carry on bags, our computer gear and my handbag on each of our carts? (No money, passports or important papers will be in my handbag. The allowed space for handbags will be utilized for clothing, shoes, etc.)  Important items will be tucked away in our carry on bags with an exterior zippered pouch for our easy access to our travel documents.  Our wallets will be secured under our clothing. 

We purchased two of these luggage carts each with a
250 pound capacity at Global Industries

The potential total weight for each of our luggage carts is anticipated to be approximately 180 pounds, an amount impossible to wheel and carry at one time without a cart.  Buying a cart with a capacity of 250 pounds would ensure a more stable structure, enabling each of us to be able to wheel our own carts.

Our cart, folded for easy placement under the seat on an airplane

Researching airline baggage restriction, we found that most airlines will allow any wheeling or carrying devices aboard as long as it will fit under the seat. After investigating the folded up size of the carts we chose and the size of the space under the seats on most aircraft, we determined that the carts will fit.

The thought of easily wheeling our bags to cruise ships, through airports, on trains, ferries and in and out of our vacation homes, provides a great sense of relief. Recently, some family, friends and followers of this blog have asked why we don’t just throw some stuff in a suitcase and take off without all this planning.

In our minds, the answer is clear. Most people, when traveling for a few weeks or months have a home to which they return to at the end of their travels. We won’t.  We will continue on. Since we aren’t considering this a “vacation” but rather “living” (as Tom describes it), we need to bring things with us that we need, want and use.

Under no circumstances, do we want the burden of finding a mall, a drugstore, or a post office. Neither of us enjoys going to stores, although I enjoy grocery shopping which we will obviously need to do wherever we go. Whether an outdoor farmer’s market or a tiny little shop on a corner, we will enjoy shopping for local meats and produce.

Neither Tom nor I would enjoy wearing the same items day after day. We tend to wear an item once and then wash it, sloppy that we both are when dining (mostly me)! We make a point of trying to look nice for each other.  It’s a part of the attraction we both fell for each other so many years later; fresh smelling, clean, attractive clothes, well groomed, and for me; some makeup, earrings, manicured nails and polished toes (I have always done these myself). 

Currently, through instructions online for how to cut a man’s hair, I will strive to cut Tom’s hair to his liking. We don’t want to have to spend time looking for a barber or Tom feeling frustrated with a peculiar cut. A few nights ago, I suggested that he grow a beard and a wear a ponytail. Here again, he wants to be “himself” and wasn’t interested. We’ll figure this out together.
None of our quirky traits will change when we’re traveling the world or when and if we ever settle down. It is part of who we are individually and, as a couple. For us, it is a part of the magic. (We accept that we are giving up so much to gain this experience together; seeing our loved ones, drinking coffee, enjoying familiar foods, my kitchen gadgets, watching US TV, reading the newspaper, our home, our friends and neighbors, the 4th of July, having a dog, access to a health club, and on and on.

Thus, this reality adds greatly to the packing. There’s “stuff” associated with feeling “put together.” We are willing to bear the consequences of our picky choices, by wheeling our carts, paying extra for baggage on the fewer flights we’ll experience and for packing and unpacking the “stuff” each time we reach a destination.

This weekend we’ll load up the carts with the two already pack bags, adding several more items to get the feel of wheeling around 180 pounds. If it doesn’t feel great, I will up the weights at my workouts and build more muscle.

After all, we still have three months and six days until we walk out the door!

Fears of selling on eBay?…Gone!…

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As a relatively experienced online shopper, I have kicked myself over the years for not attempting to “sell” anything on eBay.  Often running across items I no longer use or like, I have thought “why not put this on eBay and get rid of it.”

Wrongfully, I assumed it would take more time to take the photo, upload it, write the item’s description, find an appropriate box with bubble wrap, prepare the label for shipping subsequently taking it to the post office, to make it worth the few dollars I’d make.

With over three months until our estate sale, I thought, why bother?  

Well, this week, I succumbed to the eBay selling frenzy, selling three items this week for a total of $139 less the $12.65 I paid for the free shipping I offered with the “Buy It Now” prices.   
The “handling” of entering the three items to eBay’s website, the packaging and postage prep required a total of 18 minutes of my time. With a  few calculations I tallied my average earnings at $421.17 per hour!  

Here are the items I sold:


SierraSil Joint Formula 14 180 caps NEW – Promotes joint health and mobility,
End time: Jul-13-12 12:05:52 PDT
Sale price: $45.00
Quantity: 2
Quantity sold: 2
Quantity remaining: 0


Coleman LED Quad Lantern — Battery Powered Outdoor Camping/Emergency Lantern
End time: Jul-13-12 20:42:16 PDT
Sale price: $49.00
Quantity:  1
Quantity sold: 1
Quantity remaining: 0

Here’s how they sold so quickly:

  1. The pricing for the items was determined by checking recent sales of the same items on eBay that were also “used.”  I decided to go slightly under these prices and offering “free shipping.”
  2. Researching the items at the manufacturer’s websites, I copied and pasted the photos and descriptions to ensure I accurately represented the items.  
  3. In a matter of a few minutes, the items were uploaded and active.
  4. The next morning, I received an email from eBay telling me the “Buy It Now” items had sold and was paid by the buyer of course, for the prices I had asked.  (Why didn’t I let the items go via an auction?  Simple, I wanted to spend as little time as possible paying attention to an ongoing auction, and I wanted to sell the items for my competitive asking price).  In the email from eBay, I was able to follow a link taking me directly to the printing of a mailing label.  All that was required of me was to weigh the items on my kitchen scale in the packaging materials and posting it online.  EBay subsequently calculated the price of the postage using USPS, my preference. My PayPal account was debited the cost of the postage with no mark-up.
  5. Printing the label on plain white printer paper, I taped it with shipping tape to the boxes I happened to have on hand, sealed the packages and took them out to my mail.  When I listed the items, I had arranged with my mail person to take the prepaid packages thus avoiding a trip to the post office.
  6. Within three days, I received another email from eBay stating that the total funds of $139 were now available in my 
    PayPal account. 

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Jackets..too hot…too cool?

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Our mission to find the appropriate jackets for our adventure is yet another challenge.  Here in Minnesota, a heavy winter coat is appropriate from November to May.

Tired of wearing coats all winter, I have preferred to bundle up with sweaters the remainder of the year, currently not owning any lightweight jackets suitable for travel.  Tom, on the other hand, has a few older lightweight jackets and, although still in reasonable condition are not ideal for our upcoming long term travel.

Buying clothing while still here in Minnesota has been a vital aspect of our preparations for our three plus years on the road.  Minnesota has no tax on clothing and shoes, saving us as much as 8%.  Also, buying online with deep discounts and/or free shipping has also saved us a bundle.

A perfect example of these savings came as a result of my getting “points” from the company Earndit, only yesterday when I redeemed 1000 points I accrued from wearing the BodyMedia exercise armband for the past 18 months, now to be replaced by my new “wear on body” exercise device, FitBit which also accumulates Earndit points.

Both of these devices have kept track of my activity levels, steps, calories, burned, and quality of sleep.  (I discussed this device in a prior post).  Recently, I replaced the BodyMedia with the FitBit with the goal of eliminating the $6.95 monthly membership fee required by BodyMedia.

Sure, I spent $75 on eBay to buy the FitBit but, in less than 11 months, it will pay for itself.  Also, I must admit that convenience played a role in this decision. The BodyMedia is worn on the upper arm often eliciting annoying inquiries as to its purpose. FitBit is worn inside one’s clothing attached to undergarments, making it entirely invisible.

Yesterday, while we were sitting in our comfy chairs, taking a short respite from the heat outside, I redeemed 1000 of my 2500 points at Earndit for a $100 gift card to RailRiders to be redeemed with a $175 or more purchase.

I purchased the Men’s Insect Shield Pants for $98 and the Women’s Insect Shield Pants for $89 for a total of $187 plus $7.95 shipping for a grand total of  $194.95.  Using the $100 coupon, I paid $94.95 for an average price per pair of $47.48.

Women’s Insect Shield PantsPrice: $89.00

Men’s Insect Shield Pants, Price: $98.00  
Thrilled that my daily exercise monitors afforded us each an additional pair of pants, I am now ready to commence my search for jackets now we otherwise  have enough clothing for the upcoming eight months in Africa. 

Since we plan to bring only one jacket each they must serve us well throughout the world. The requirements for jackets include:
    • Lightweight, comfortable
    • Attractive
    • Waterproof
    • Lots of pockets
    • Hood
    • Removable sleeves, if possible
Sound easy.  However, I’ve spent no less than four hours researching online to find only one manufacturer, Scottevest that may fit the bill, except for this fact: the lightweight jackets are not so attractive. Tom wants a jacket that has a safari look and I agree. We love all the pockets in their jackets but, the look, not so much.  

Most would say, “who cares about looks when function is the key?”  If one is going to be wearing the same clothes, day after day, month after month, year after year, it’s not a bad idea to like it!  (Not too dissimilar from our “liking” one another).

Ouch!…Plunge, twist and release…

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After two hours of being terrified at the prospect of contracting one of many horrifying diseases throughout the world, I left the Park Nicollet Travel Immunization Clinic with my head swimming. WHAT ARE WE DOING????

If we don’t die from the side effects of the Yellow Fever or Typhoid shots, we might die from one of the many diseases for which there is no immunization or treatment! Why tell me, overly efficient, profoundly knowledgeable, delightfully warm Travel Nurse Marcia, who hugged me when I left, that we could die?  

On information overload and losing my competency to make reasonable decisions, I agreed to our taking $10 a day malaria pills (fewer side effects) that we’ll need to take for eight-plus months, $700 rabies shots, $80 for tuberculosis tests, and also, an array of 10 or more other vaccines that will total in the $1000’s. We sure hope the insurance company will pay for these. I hadn’t budgeted $300 a month for malaria pills!

I felt as if I were buying a car from a persuasive, albeit highly competent “salesperson” who was trying to sell me safety features that invoked so much guilt that I couldn’t resist buying. I signed up for everything. Oh, I did hesitate on one thing, flu shots. Why would we need flu shots that are derived from viruses only prevalent in the US? Go figure! What if we went out to dinner with an American couple we meet on a cruise ship who currently has the flu? We signed up for that too!  

The dreaded Yellow Fever shot will be on May 1. I am terrified. Four people died from the vaccine alone (OK, four deaths of out one million, not quite a high risk). I said to Travel Nurse Marcia, trying to reassure myself, “Those four people could have died that day anyway, right?” She reassuringly nodded her head. On May 1, please pray for me. Later, for Tom.

Tom has yet to go to his two-hour appointment. I suggested that Travel Nurse Marcia not tell Tom everything she told me for three reasons: 1. He gets bored listening to medical stuff. 2. He’ll pretend to be listening when he isn’t. 3. He’ll refuse the shots and tell her to take a hike.   

Oh good grief, I can picture my dear husband, sick with some dreadful disease, ensconced inside a mosquito net, with me at his side, frantically trying to nurse him back to health. Sounds like a scene in a movie! No, thank you. PLEASE my dear handsome, charming, funny, adorable, “best husband in-the-world,” agree to get your shots, take your $5 pills with food and SHUT UP about it!

So, lovely Travel Nurse Marcia left the room after handing me my stack of 100 CDC documents to read, moments later returning with a tray loaded up with four, that’s right four, giant syringes on a sterilized stainless steel tray. She gently set the tray down on the counter, leaving the room again. I stared at the tray, my heart pounding so hard, I could hear it in my head. Minutes later, she returned instructing me to get up on the exam table.  

The rest is a blur, rolling up my sleeves, taking a deep breath, feeling the brutal violation of my pale winter skin while each of four syringes plunges deep into the tender flesh of my upper arms. OUCH!!! It felt as if she “plunged, twisted, and released” those horse-sized syringes. Then,  it was over, for now at least. I waited for something to happen. Nothing happened.

After sleeping fitfully all night, unable to lay on either side. My arms hurt as anticipated from the warning by Travel Nurse Marcia. After two huge cups of coffee this morning I’m back to my “old” self, dressed in workout clothes, off to the gym and then to the bank to transfer the 25% deposit in 1481 francs (today’s going rate, which is about $300 US dollars) to the owner of the charming “Stone House” in Cajarc, France for one month beginning April 18, 2014 (yes, 2 years from now). Nothing like planning ahead!

BTW, the itinerary will follow later today. 

Continuation of the strict criteria…

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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?

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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.

Sounds glamorous but quite worrisome…

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When we decided to travel the world beginning this upcoming Halloween, Tom’s retirement date, we knew the tasks associated with changing our lives to this degree would be daunting. We have made a purposeful point of not getting caught up in the excitement by staying task-oriented and preparing for endless “what ifs” by playing our own devil’s advocate.  

Doing so has resulted in some sleep-stealing worrying one does at 3:00 am. We are not strangers to this particular effect of worrying. Last night we both lay awake between 2:00 am and 4:00 am, tossing and turning, aware of each other’s state, trying not to talk to further our alertness. Finally, we drifted off only to have Tom’s alarm clock startle us both at 6:50. We got some good worrying in!

We ask ourselves so many questions, not so much to put a damper on our adventure, but to maintain a sense of the reality of what is yet to come. “They say” that worry is a useless emotion. If worrying prompts or motivates one to take self-preserving measures, then worry has some unmitigated value.  

Fear in itself is a powerful motivator. Overcoming fear is next in line. The healthy self-love and appreciation we experience after overcoming fear are the greatest rewards life has to offer us in our continuing search for personal growth and self-discovery.  

Oh, good grief, does this mean we will zip line or bungee jump when we spend three months in Belize, beginning in February 2013? Or, will we ride an inner tube through the water caves in the rain forest, the roofs covered with guano (gee, I always wanted to find a use for that word, meaning “bat poop”, if you didn’t already know) while I am terrified of bats? Or, will we ride a hot air balloon in Kenya (during our three-month stay) over the Great Migration in the Serengeti National Park? Or, will we welcome a 275-pound warthog into the kitchen where we will live for three months beginning December 2013 in the Kruger National Park in South Africa, living among the wildlife with no barriers?

Warthog in the kitchen doing “crumb patrol.”
We won’t have to do any of these, but most likely we will do some of these, finding ourselves exhilarated by the life-changing experiences, to finally be “stepping outside the box,” taking the risks and reveling in the process together.

What if we show up at one of our many prepaid vacation homes throughout the world to find out that we were scammed, with all of our due diligence when no such owner or house exists? We’ll take a deep breath, get online as fast as possible, and find a place to stay for a few days while we figure it out. We’ll have lost up to three months’ rent, the maximum time we will stay in any vacation home. But, we’ll continue on, knowing full well that we chose this risk as part of the adventure.

What if one of the five cruises we have booked thus far encounters a storm and is unable to “drop us off” to our desired location a day or two prior to the end of the cruise and instead goes to a different port some 500 miles away? We will go to the next port, get off, and find a flight, a train, a ferry to our planned location.

What if one of us has a gallbladder attack requiring surgery while we are in a remote location? We are purchasing emergency evacuation insurance that will take us back to the states to our desired location or at least to the nearest big city hospital.  

What if our passports or wallets are stolen? We are getting second passports to be kept separately from my purse and Tom’s wallet. We have scanned all of our credit cards with contact information, driver’s licenses debit cards, and banking information to a secure cloud. All we’ll ever need is a WiFi location to immediately contact the necessary parties.

How will we, both gluten-free, not eat the homemade pasta, bread and pastries while spending almost three months in a 17th century stone farmhouse in Tuscany, beginning June 15, 2013? We will either try it and pay the price or, we will choose not to try it and instead enjoy the local produce and meats.


So, worrying we will do! And, surely along the way, we’ll be surprised, disappointed, scared, and “ripped off” asking ourselves how we let this happen, how we made this mistake, why we left our family and friends behind to seek out adventure.  

Then again, we’ll be amazed, enthralled, enriched, and enlightened and most of all, grateful, to be sharing this experience together for as long as we choose, and for as long as we can. So we’ll miss the ferry, the flight gets canceled, the mosquitoes are biting, the heat is overwhelming, we can’t get online, and then, the giraffes are hogging the road when we are trying to get to the grocery store!

A herd of Giraffe hogging the road in Marloth Park, South Africa (not our photo).