Budgeting, wills and taxes…

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Its been nagging at me.  I think about it every day with a sense of dread. 

On the massive Excel spreadsheet, I created for our 5 to 10-year worldwide journey, there is a worksheet page entitled “To Do in Scottsdale.”  It contains all the paperwork tasks we’ve had to complete before leaving the country on January 3, 2013. 

“To Do” lists never intimidated me, no matter how lengthy. I’ve always taken great comfort it chipping away at task after task ensuring each one completed in its entirety before going on to the next. 

Yes, I know.  I’m rather obsessive. We live with that.  It doesn’t intrude in the enjoyment of our lives, we don’t fight about it and it doesn’t prevent us from a rich and full life. 

Perhaps, in a certain way, it adds to our lives by eliminating thoughts of all the “things” we have to do.  One by one, I chip away at them, freeing our thoughts to more fulfilling moments.  No one ever heard me say, “Oh, I can’t come to the party ’cause I have to fill out forms.”  Never.

So, on that “To Do in Scottsdale” sheet we’ve knocked off everything (many of which I posted here and there) except for the following:
1.  Prepare and get new wills notarized (our bank here will notarize at no cost)
2.  Prepare and get new Living Wills and health care directives notarized.
3.  Prepare our taxes up to date, amending the last two weeks of this month at the end of the month forwarding everything to our accountant by snail mail. 

Oh, tax prep, I despise this task!  Always have, always will. Yesterday, I began the process and today, it will be completed except for additions as mentioned above. 

We couldn’t imagine living in Belize, steps from the ocean and ever feeling like going through that bag of receipts, let alone hauling them along with us. In future years, we’ll have used our handy Doxie portable scanner, saving all tax-related items.  Much easier to do as we go then dread it all along.

A few people have asked, “Will you still file tax returns and pay taxes in the US?”  The answer is “yes,” always. We will always remain US citizens, as do many ex-pats living outside the US. 

Having saved every receipt for absolutely every dime we have spent since leaving Minnesota on October 31, 2012, it was also time to enter our “actual” costs into that budgeting expense record.  Upon completing the tax portion which I will finalize today, I started totaling the other expenses, such as food and entertainment.

Our total cost for the three-day drive to Scottsdale $780.  We had budgeted $1065 but arrived one day early.  Fortunately, the property manager didn’t charge us for arriving a day early but had he, we still would have been within the budget.

Preparing the taxes and totaling the receipts (all of which we’ve saved) finally enable us to see how we’re doing on our budget.  As I mentioned, going forward, we’ll log (scan) and toss each receipt as the expense occurs to avoid hauling around a growing bag of receipts.

Here’s where we are so far for the variable expenses for food and entertainment with only 18 days left in 2012.

Groceries for Scottsdale
Budget:  $ 1700.00     Actual: $ 696.00

Dining Out & Entertainment for Scottsdale 
Budget:  $  300.00      Actual: $501.00

Total Budget for Groceries and Entertainment for two months: $ 2000.00
Actual (so far):                                                                   $ 1197.00
Balance available until we leave for Henderson next week:     $   803.00

Groceries for upcoming 8 days in Henderson over the holidays
Budget: $ 600.00

Dining Out & Entertainment for upcoming 8 days in Henderson over holidays:
Budget: $ 450.00

We’ve been in Scottsdale 40 days as of today, arriving on November 3rd for an average cost of $30 per day.  With 6 more days until we leave for Henderson, we’ll plan to spend another $180 for a total of $1377, leaving us an overage of $623.00.  Thus, our total available for Henderson is $1673.

Preferably, it won’t be necessary to use this overage, putting us ahead of our budget right out of the chute.  We’ll see how it goes, posting our “actual” costs later.  Of course, there are other costs we are reviewing and will be posting as we go along.

Today, I will finish the tax prep after my trip to the health club, leaving the file ready to receive the remainder of this month.  Tomorrow, we will re-do our wills bringing them up-to-date and re-do our living wills, getting them notarized at the end of the day.

Also, VisaHQ, our visa, and passport processing company, sent us an email that our second passports will be in our mail within one week.  Yeah!  We did all the paperwork correctly! 

By this weekend, we can relax knowing that the worst of our paperwork is done, a huge relief.

Isn’t this part fun?

Solutions as we wind down..

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Although now sick with the flu, I’ve had no time to rest in an effort to speed my recovery. Forcing myself to continue running around, making phone calls and completing tasks in preparation for leaving Minnesota in five days has been trying.  

Tom’s retirement party is tomorrow, Saturday at 5 PM. My voice sounds like Minnie Mouse and I’m weak, coughing and foggy headed.  Perhaps, this is Nature’s way of warning me to slow down.  Not a good time to teach me a lesson, Mother Nature! 

The mailing service, MailLink requires notarization of legal documents with literally no daytime hours for Tom to go to a notary.  After speaking with Eric at MailLink he reassured me that there was nothing to worry about.

He suggested we go ahead, sign up, pay the $156 annual fee for the largest mailbox via PayPal to get the documents notarized when we get situated in Scottsdale.  In the interim, they won’t be able (due to state laws) to forward our mail until they receive the forms.
Over the past several months I’ve reduced the amount of mail that we receive by contacting the various companies requesting they only send online notifications and statements.  Most were able to comply.

In the near future, it appears that snail mail will become a thing of the past as evidenced by the financial difficulties of the USPS. Today’s fast paced technological advances continue to have an enormous effect on the use of paper and mail in general. Perhaps, in time as we travel, we’ll no longer need the services of any form of a mailing service, receiving all communications by email

A portion of Tom’s income from his work will no longer be paid by direct deposit as his paycheck had been over the past many years. This in itself presents a dilemma. How do we get the paper check “mailed” to us into the bank? He requested direct deposit for these payments to no avail.

We considered asking one of our adult children to receive the payments by mail immediately depositing the checks. Realizing how annoying and inconvenient it would be for them with their full and busy lives to be watching for the checks and subsequently depositing them, we decided it was too much of an imposition.  We didn’t want that inconvenience ourselves!  Why would we impose this on our children?

In speaking with MailLink, they suggested we do what their other clients do in a similar situations:
  1. Use the provided MailLink  address as our mailing address
  2. Provide them with deposit slips and mailing envelopes made out to to our bank’s department that handles incoming snail mail deposits.  
  3. MailLink opens the envelope, scans a copy of the check to our email, signs the back of the check, “deposit only” and then mail in one of the envelopes provided.  No deposit slip is required per this service offered by our bank.
  4. Within 2-3 days the deposit it made into our bank at which point they email us a receipt for the deposit.
  5. Check online banking to verify the receipt of the deposit.
Cumbersome?  Yes?  Alternative?  Hire an accountant or certified money manager and pay $100’s in fees each year?  No, thank you.

Next task? Oh, yes, they continue.  Insuring our belongings.  With the documents signed on the sale of the house, we are ending our homeowners insurance on the day we leave, October 31st.  At that point insurance ends on our belongings as well.  Today, I will wrap up the details of our new “personal property” insurance.

The estate sale is in progress.  Yesterday, the first day, was a bit challenging.  It was snowing, the roads were slippery and the wind was whipping at the time the sale was to begin. 

At 7:00 am yesterday morning, sick and miserable, I showed up the house to meet with the estate sale people to finalize pricing and details.  The wind and sleet on the peninsula felt like a hurricane as I nearly was blown away finding my way from the driveway to the front door in the dark.  Somehow, the detector for the exterior lights were turned off. 

By 9:00 am, as the sale began, I was visiting with our friend and neighbor two doors down, peeking out the window to witness the caravan of cars driving down the narrow road to examine and hopefully buy “our stuff.” It was hard to watch.  I left an hour later for a delightful stress-reducing lunch with the neighbors at our favorite local restaurant, as opposed to the breakfast we had planned earlier.  Its so hard to say goodbye.  The worst is yet to come.

Once again cocooned in this comfy leather love seat as I write today, my voice is gone, my throat less sore and the cough is slightly better as I prepare for the tasks of yet another day in limbo:
  1. Finalize personal property insurance policy
  2. Go to bank to get extra deposit slips and arrange for the mailing service to send them the pension checks
  3. Pack a box of overflow to be shipped to Scottsdale and held by UPS until we arrive on November 4th.
  4. Check on final details for Tom’s party tomorrow.
  5. Grocery shop and prepare dinner as I have done each evening since moving here last Sunday. After all, a good house guest must earn their keep.

Yep. Five more days.

Lost in the minutiae…

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If we hadn’t had over six months to plan our travels for the next five to ten years, it would have seemed impossible, bogged down in the details. So far, I keep taking deep breaths moving closer each day, some days at a crawl, others days a marathon.

Unloading our home and everything we have accumulated in a lifetime, except for a few totes our kids will store, the six suitcases, two carry on bags, computer bags and handbags (Tom’s murse), could be overwhelming in a shorter time frame.  

Not only must we continually address the travel planning, the shots, the doctor appointments, the insurance policies, the retirement board, but also the mounting piles of paperwork to prepare, scan or shred.  

In the interim, we have “life” to live, dinners to cook, clothes to wash, flowers to water, everyday errands to run and most importantly, family to see as often as possible. Fit in time with friends, daily walks, answering email, Facebook lurking and time rapidly flies by, two months and eight days until we walk out the door, leaving Minnesota and everyone we love behind.

Oh, I’m not complaining. Actually, I love every moment. This in itself, is a joy filled time, complex with never ending challenge, hopeful solutions and tons of new information flooding my brain. I didn’t know “it” had room after the “information load” environment in which we live.  But, it does, grabbing every tidbit of new data flooding into it’s mushy cells.

Yesterday, we took most of our grandchildren to Train Day, a family picnic provided by Tom’s employer.  The little ones had a blast exploring the gigantic train engine, a bright red fire truck; bouncing on the huge blown up contraptions, eating overcooked hot dogs while hanging out with us, PapaChooChoo and GrandmaChooChoo, We had a memorable day.  

(BTW, I don’t post photos of our little grandchildren online.  Maybe I’m old fashioned, fearing online predators.  When they grow up, I will. Not now.)

Several months ago, I posted a note on my calendar (one of many) to apply for new debit cards. They’ll expire at the end of January after we’ve already left the country. Since debit cards cannot be forwarded, this would have caused undue stress.  Our goal, as always, is to prepare so much in advance that we don’t often have to “kick ourselves” for forgetting to do a task such as this.  

On our way to Train Day, we stopped at the bank to order the new debit cards. While the banker ordered the cards, a thought popped into my head: we must set up a wire-transfer account in both of our names, providing us with easy access to our accounts (via a phone call as opposed to email for security purposes). This was on my list for this upcoming October but why not get it done now?  Two more of the minutiae out of the way! 

Returning home, I immediately ran around the kitchen making the crusts for our low carb, gluten, grain and starch free pizza for Friday Night Pizza, our favorite dinner.  Later today, I will make homemade salsa and cornbread to bring to one of the last of a few parties we’ll attend tomorrow. (Recipes for all of these items are on my earlier posts.  Simply hit the search filter).

This weekend, we’re planning to put all of our empty suitcases in the back of Tom’s SUV to ensure they’ll fit, along with the two totes we’re bringing for my son Richard Lasica, a successful real estate agent in Henderson, to store for us in Henderson, Nevada.  If they don’t fit, which I suspect they will, we will price rent a small trailer to haul behind us or, bear the cost of shipping the totes.  More minutiae. It seems to grow rather than diminish!

We can’t wait to be sitting in a lawn chair overlooking the ocean in our little beach house in Placencia, Belize, starting on January 28, 2013 which is five months and seven days from today.  Oh, oh, while in Belize we’ll have to prepare our 2012 tax stuff for our accountant as soon as we receive (online, of course) the W2’s.  Yuck!  Minutiae!  You can run, but you can’t hide!

Four friend day…

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Saying goodbye to family will be tearful.  We will hug.  We will kiss.  Sobs will catch in our throats.  No doubt. We will see one another, each week on Skype, communicate through email and see their faces in photos on Facebook.  They will be “with us” in our hearts and minds each day, counting down the days until they come to visit us from afar.  This we know for sure.

Saying goodbye to friends will be different. We all dream that once a friend, a friend forever.  Not the case.  It’s no one’s fault.  It’s nature which intended us to gather around our core family for love, support and companionship. 

In the wild, animals form a family group welcoming “outsiders” of their species. In humans, we welcome “outsiders” on our own terms:  knock before you enter, respects their family times, don’t call during dinner, don’t expect to be together on holidays.  In essence, make an appointment to see one another.  That’s a learned behavior in our human society, not a part of our nature.

Thus, as we prepare to go away, we do so with this certainty:  we will see our family again, we may not see our friends. It’s a reality.  It still hurts.

Yesterday, in one single day, a dear friend Chere, an amazing friend, came for a low-carb, gluten- -free breakfast. With many common interests and years as friends, we simply couldn’t get enough of one another; sharing, smiling and laughing.  

When she was leaving, I hesitated, “Will I see you before we go,” I asked.  

She squeezed my hand while we hugged, “Of course.  I’ll be back several times before you go.”  I wanted to believe this.  I wasn’t sure.

Second friend of the day, our delightful next door neighbor Nelleke, from whom we’ll be renting her home in Majorca, Spain next May. Most days, she and I walk the neighborhood with her little white Westie, Max, chatting on endlessly about our dreams, our hopes and our disappointments. She’s a strong and sturdy senior, a fitness aficionado, like me and young for her age.  She’s leaving today for a week to visit family.  I will now know what it is like without her. 

Later in the day, the third friend of the day, our precious neighbor Sue, showed up at our door for happy hour, staying until 9:00 pm, when we walked her home, bellies full, still giggling over our enjoyable evening together, the three of us.  She lost her beloved husband and our friend Chip, whom I wrote about here on June 1, 2012. I was given the honor of speaking about him at his memorial service only a month ago.  We miss him.  We will miss her.

As we walked Sue home at a little after 9:00 pm, reveling in the starry night sky, so bright away from the city lights, we ran into our friend Jamie, another amazing neighbor and friend, stopping to chat.  Only days ago, she discovered that her little dog Bella, has cancer.  I was reminded of losing our Willie such a short time ago and can only hope that little Bella experiences a better outcome. I will miss Jamie and her family.

More friends will come to visit, to say goodbye before we go.  Each time I will wonder, will we see them again, before we go, 74 days from today?  Will they email?  Will they stay in touch? Will they read this blog from time to time for an update on where we are, perhaps considering a visit?  

Friends have  moved away and we have stayed in touch.  My friend Carol, a friend for 27 years, an airline pilot, moved away over 25 years ago. We text, we email, we visit one another, we talk on the phone never losing touch.  

There are more all over the country that don’t let it slip away, that are still “part of the pack” kind of friends.  Then there are the friends with whom we talked with almost every day, that left, never to return, never to talk, never to write.  Suddenly, they appear on Facebook.  We smile.  We are happy to “see” them again, not angry we lost touch.  In most cases, we both failed to stay in touch.

It’s all a part of this life we live.  We love, we lose.  We lose, we rediscover. Whichever way it goes, we accept it, still loving them, still holding on to the memories. This, dear friends, we know for sure.

No bed bugs for us!…

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These ideas just pop into our heads.  We research.  We discuss the options.  We consider price, shipping costs, quality, weight, and most of all, how badly do we need it.

Both Tom and I cringe at the thought of bed bugs.  Who doesn’t?  

We currently have a dual king Sleep Number bed, for us, the most comfortable bed in the world.  The fact that the head and foot of each side of bed raise up by two individual remote controls (as well as adjusting the degree of firmness), resulting in the necessity of two separate mattresses and box springs. 

The only drawback has been the difficulty of the cuddling, being divided by a crack between the two mattresses.  We have managed to compensate for this quite well, thank you.  Use your imagination. 

Giving up our bed is not easy for me.  It is the only piece of furniture to which I will sadly say goodbye. Suffering with a painful spine condition, the bed has been a lifesaver for me over the past 9 years since we made the pricey purchase.  Tom could sleep on a bed of nails!  He won’t miss the bed.

As we wind down here, the topic of bed bugs has come to the surface. Will our vacation homes have more or less risk of bed bugs as opposed to a hotel?  We’ve decided that we would rather haul around a solution than haul around several thousand bed bugs in our luggage.  

As a result, we will need zippered high quality bed bug proof mattress, box spring and pillow covers!  Yes, we’ll now be hauling an extra 9 pounds (approximate weight. We will weigh them when they arrive).  This may sound foolish and overly paranoid.  But, I ask, have you seen photos of bed bugs or the risks to one’s health?  Yikes!  

Yesterday at noon, laptop in hand, frosty iced tea beside me and parked in my comfy chair, the online search began for the zippered high quality bed bug proof mattress, box spring and pillow covers.

A new dilemma, entered the picture.  What size do we buy? A few of the houses we are renting, have a king sized bed, some are queen while others are simply old fashioned double beds (talk about cuddling).  It would be impossible to haul varying sizes.  

Most king-sized beds have a split box spring.  After much research, we discovered the importance of covering the box springs as well as the mattress.   

Solution: purchase two zippered queen-sized box spring covers in the event of double box springs on the king beds and, purchase one zippered king-sized mattress cover, although too big for the smaller beds, can be tucked in under the mattress.  

After searching through ten various bedding sites, to determine full retail price, quality brands that we also allergy proof, bed bug proof and comfortable to sleep on (no vinyl, no latex), I found my way back to eBay for some serious bed bug free shopping.

This was not the easiest item to find. The quality and pricing was all over the place. After a good hour and a half of searching, I finally found what we needed, the king mattress, the two queen box spring and the two king pillow covers, all meeting our criteria. Grand total $173.17.  

Each time we will arrive at a property, before unpacking our bags, we will have to cover the mattress, box spring and pillows of the bed we will sleep in.  We may be exhausted from traveling, may have been flying for 24 hours or more, may want to fall on our faces on the bed.  

Then again, when we leave for the next location, we’ll have to remember to take them off of the bed early enough to wash and dry them, and fold them properly to fit into our luggage.  Not an easy task.  If we have an early departure with no time for laundry, we will be bringing an airtight sealed bag that we will carry on in order to keep it separate from our luggage until we can launder them when arrive at the next spot.  Not an easy task.

We console ourselves for this daunting task by reminding ourselves: no more lawn to mow, no weeds to pull, no windows to wash, no hauling patio furniture, inside and out, no carpet to shampoo, no cars to wash, no hatches to batten down in winter, no more utility bills and on and on and on.  

Life is filled with trade-offs.  Yes, we are trading one load of tasks for a whole new world of tasks, in a new environment, with new people around us, with new scenery to enjoy.  But one thing remains the same, we will have each other. And that, dear readers, is how and why we do this; to share a once-in-a-lifetime experience with our lover, our best friend and our favorite companion with whom dreams are made and ultimately realized. 

So, one more item is knocked off the list, that will give us peace of mind, reduce stress and add to the enjoyment of “living in the world” for no less than three years and maybe, health providing, many more years to come.

Be well.

Why so long???…

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Our family and friends are asking, why so long? Why 880 days (so far)?

There are only a few answers to this question. Aging is one. By the time we leave the US, I will be 65 years old and although physically fit as a result of healthy eating, healthy living, and daily exercise, the ravages of “old man time” (darn him!) can be felt every morning as I step out of bed.

Tom will be 60 years old (“They,” say I robbed the cradle!), but after 42 years on the railroad, his knees and other joints are worn to the bone and he too feels the aches and pains upon awakening.   

There is no doubt that down the road, when and if we tire of traveling, we’ll hunker down to a warm climate and into the predictable senior citizen condo complex. We’ll get a little dog, play some bingo, hang out with guys whose pants are pulled up six inches above their waists, and with the ladies with the purple permanents wearing silky flowered print blouses. That will be us, as well.  

We have traveled very little these past years, always preferring to stay home to enjoy Minnesota’s short summers and our lake home. It often felt as if we were on a vacation on the warm summer days with the fish jumpin’ and the birds’ singin’, while we lounged in the comfy white lawn chairs.  

We didn’t have a care in the world other than to fire up the grill, pour ourselves a cold glass of something good, or to haul some wood to the fire pit for a roaring fire when the sunset (and the mosquitoes came out to indulge in our tasty flesh).  

We had traveled in our minds, a few years ago when we recorded every episode of the TV show, House Hunters International. We dreamed while we discussed the possibility of owning a home in an exotic location. As time has neared, (7 months and 2 days), we knew that staying in one place was the opposite of what we really wanted. We want to be “free” to explore the world.  

Tom believes that the state of the economy and that hyperinflation will take hold in the entire world. We will travel before the effects of such inflation will prevent us from being able to do so.  

Our last reason is simple. Tom and I both had our children when we were teenagers. We spent our 20’s making every effort, with a certain level of immaturity, to be responsible parents. In some ways we were successful. In other ways, we weren’t. 

As our family has grown with the addition of significant others, and six precious grandchildren, we feel their lives and their traditions are established and we can let go, with the love, with the hope and, the dream to share a piece of our adventure with all of them in times to come and to build new memories to cherish together, forever

Missing…

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Last Saturday as I was getting ready to head out the door to a family member’s baby shower, Tom said, “Move slowly and look out the window to your right.”

As usual and to our delight, there was one of Mother Nature’s delectable morsels in our yard. I moved gingerly toward the window to my right. 

A wild turkey lumbered around the stone patio with eyes darting fervently for a possible intruder. As I moved to grab my phone’s camera, which proved to be too quickly, he spotted me and scurried away. A wave of sadness came over me, not over missing the shot, but after missing the frequent sightings of God’s precious creatures, abundant here in Minnesota, abundant here on the lake.
I will miss the coyotes, their grace, their piercing eyes, their hunger for the little dogs here at the point, along with the caution we’ve exercised all these years to avert their consumption of own little wonders. I will miss the eagle that swooped into our yard to settle high up on a favorite tree, the glaring stance, the perfectly poised talons, easily able to grab a fifteen-pound unsuspecting furry pet in seconds.
Early spring this year, the loons appeared. With their pointy beaks, banded throats, and musical calls they flirt with one another primping for the prospect of little chicks yet to come, who will somehow know that shyness is quite appropriate in this land of predators and humans. I will miss that sound.

We will miss the adventure of the one-day event of baby wood ducks being mercilessly tossed from the wood duck house by their parents, hoping they’ll survive the long fluttery jump to the ground, the short trek to the water.
They scurry about the yard frantically, unsure of which way to go, a few wanderers ending near the house, only to be coached along with us humans, careful not to touch and leave our scent. The cheep, cheep, cheep of the fluffy little puff balls will be hard to forget in the days to come.  

The heron, so playfully referred to as “Big Bird” by my husband, to our long lost WorldWideWillie who enthusiastically ran to the end of the dock to chase this leggy character, unfazed by its disgruntled roar as it flew away. With the utmost curiosity, he’d sniff its remains. I will miss “Big Bird.”  

Of course, I will continue to miss Willie. No longer will we be able to stand by his little grave marker in the yard. Willie inspired me to write my first blog, a blog that will end on April 9, 2012, the one year anniversary of the day he died. Each night after writing that blog, I’d read aloud the day’s writings to Tom holding back the tears. 

It’s sad and ironic that when losing a beloved pet, we not only cry for the loss of their companionship, we cry for the loss of their peculiar habits, their tricks, their ticks, their characteristics, and their rituals all of which bring us humor, familiarity, and comfort.  

And sometimes, when we cry for the loss of our pet, we cry for all the losses of our lives at the same time; the loss of people, the loss of relationships, the loss of meaningful work, the loss of success, the loss of hope, the loss of health and the loss of a dream, whatever that dream may be.

Yes, we will miss Mother Nature’s gifts here in Minnesota, but the nice thing about her is, she goes wherever we go, even if we only stop for only a moment to we breathe in the fresh air, to look and to listen. She will be there. 

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. 

Bag the bags!…

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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!

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.