by Michele | Jun 12, 2013 | Preparation Stage
Tom and Laura were the best hosts ever!
For the week before Memorial Day this year, Dan, Carter and I went on a family vacation to Panama City Beach (“Home of the World’s Most Beautiful Beaches”) with Dan’s whole immediate family. Starting out at a bleary 2:00AM we had a 14 hour drive with a 2 year old ahead and wanted to maximize our “sleeping baby time”. Luckily, we made the drive with no problems, baby or car related, but we did eat dinner at an interesting little BBQ place in Montgomery, Alabama. Considering the looks we got when we pulled in and the handwritten sign on the door reading “No Masks, No Hoods, No Weapons”, we may have been the first white customers to come in quite some time. That was okay with us though because man they had some good barbecue.
 Our evil plan seemed to work on the ride down to PCB |
 Don’t judge a book by its cover…or a restaurant by the sign out front! |
When we got to PCB, we were immediately amazed at how beautiful the house and community was that our hosts, Dan’s second cousin Tom (or is it first cousin once removed?) and his wife Laura, lived in. They had renovated a burned out shell of a house that they nursed back to health in spectacular fashion and lovingly renamed “Creme Brule”. It was definitely nicer than any hotel we’ve ever stayed at, with much better company! Tom and Laura wasted no time in getting us down to the beautiful beach only a few blocks from the house and taking us on a tour of some of the famous 30A beach communities nearby. The most famous of which, Seaside, is where the Jim Carey movie The Truman Show was filmed.
Our introduction that first night was a preview of what most of our vacation would be, time on the beach followed by some fun sight seeing. In addition, we were able to do diving twice while we were there and had a great time! Dan and Kyle brought along their new pole-spears for the trip as spear fishing is fairly popular in the PCB community and we were not disappointed with their great catch that we brought home. (Anyone have a good recipe for grouper?)
It’s amazing what one week on the beach has done to our perspective. Thanks to our gracious hosts we had an amazing time in (and on!) Panama City Beach. We got a serious taste of what early retirement could look like outside of and in conjunction with our cruising plans and let me tell you, it tasted pretty darn delicious. We certainly were sad to leave and had some major cognitive dissonance going on as we drove north away from the warm weather and beautiful ocean.
by Michele | May 30, 2013 | Preparation Stage
Where we wish we were now
I have been told that there are people in the world that enjoy getting home after a vacation. I am not one of them. Nothing says “Welcome Home” like rainy weather, heaps of laundry, and a busy week at work. We’ve got some great stories and plans from vacation to share in the next few weeks, but those will have to wait until I can shake the drowsiness caused by no sunlight. For today we have a little business to catch up on.
First of all, congratulations again to our book winner Dyce! Dyce is currently from Wisconsin and sails a Pearson Ensign on Lake Michigan at home. He is planning to go cruising in the future, but is still in the early stages of the preparation. Best of luck to you Dyce and we hope to meet you someday on the open ocean.
Secondly, you may have noticed that the site has undergone a fairly major transformation. We recently decided to upgrade our WordPress theme with a product called Elegant Themes, which we think looks a little cleaner and works better on tablets and cell phones. Dan also brushed off his graphic design hat and designed a new logo for us which I absolutely love, but I may be a little biased. We hope you like it too.
Here is a sampling of our lengthy design process.
Finally on a more personal note, today is our 5th wedding anniversary. Some days those 5 years feel like they’ve flown by and other days I can’t believe it’s only been 5 (though to be fair we have been inseparable for more like 9), but everyday I feel truly blessed to be part of the beautiful relationship that we have worked so hard to foster and grow. I look forward to many more years of this amazing adventure with the one who holds my heart. Happy Anniversary, Honey!
by Michele | May 16, 2013 | Preparation Stage
As part of our new eating-at-home regimen, Dan and I decided to make a small garden in our backyard this spring to help get us some healthy, fresh food options. Last year, we attempted to solve this issue by joining a local CSA (Community Supported Agriculture) group where we bought a “share” of local farmers produce crops that we could pick up once a week. As noted in our post Julia Who?, we didn’t do too well with making use of the many unknown vegetables that ended up in our kitchen so we decided to try out our green thumbs this year.
We started by picking out a spot in our backyard and tilling it with a borrowed gas-powered tiller. A few things came to our attention pretty quickly. First, the soil in our backyard is amazingly rich and black, as in potting soil black. A neighbor told us later that our house used to be the “manor” on a large apple orchard that encompassed most of the neighborhood in years gone by. Because of this, we didn’t need to add any additional garden soil to our bed but just added some tasty cow manure fertilizer. (Carter kept telling me very seriously “there’s cow poop in there, Mommy.” I think he was concerned.) The other thing we noticed was that one side of the garden is almost certainly located over an old gravel driveway which we didn’t realize until after tilling the whole area. Now we have some nice white rock mixed in with that row. Oh well, you win some you lose some I guess.
Next, we attempted to shop the local greenhouse by bike to pick up our preferred crops but unfortunately had to defect to visiting Lowe’s when we couldn’t find much more than flowers. I mean, flowers are nice and everything, but I’m more of a practical girl myself. If I’m going to be down in the dirt, I’d better be getting something delicious out of it. We returned with 3 tomato plants, 1 red bell pepper plant, 1 cucumber plant, a bunch of red and yellow onions, broccoli, arugula, and seeds to grow lettuce, spinach, and cilantro. Being the gardening noobs that we are, we weren’t quite prepared for the amount of plants that 1 little tray actually buys you. We are going to be eating a lot of broccoli and onions in the coming months, that’s for sure!
This week we had a bit of a frost scare (in May, seriously?!) but luckily didn’t lose any plants. Our seedlings are all popping up on schedule and we are looking forward to some fantastic veggies in the near future. Last night we harvested our first small batch of arugula and it was certainly worth the effort! We’ll keep you posted on whether the rest continues to produce such excellent results.
by Michele | May 8, 2013 | Preparation Stage
Just one of the stunning views we enjoyed on our hike
If someone asked you what was the happiest day of your life, what would you answer? Most people would probably respond with things like “the day my child was born” or “my wedding day”. These days are very special to us as a culture and as individuals because they hold such precious meaning to the rest of our lives. But what if ordinary days could be filled with more joy than the ones surrounded by all the fanfare? Instead of our happiest days being milestones in the past, being able to look forward to them today.
Dan and I had such a day just a week or two ago. We both took a Friday off of work and had nothing planned. There is something amazingly refreshing about warm sunlight on your face gently calling you into consciousness and having time to talk to your spouse over morning coffee while the baby is still sleeping. When Carter finally woke up, we all had a delicious breakfast of omelets before heading out on a bike ride and walk at the park. Our “walk” on the park’s trail quickly turned into a beautiful hike through the woods taking us over hills and valleys where we saw a family of deer, a field of wildflowers, and some amazing views just a few miles from our home. The day was absolutely beautiful.
After miles of hiking and a visit to the local nature center, we finally made our way back to our bikes with our worn out toddler on our backs and made our way home after stopping for lunch. That afternoon, Carter napped for 3 hours during which we did nothing but relax. No housework, no yard work, no rentals, just total relaxation sitting in our backyard. We finished our lovely day with dinner and a movie at home, reading, playing with Carter, and all of us falling asleep together in our bed. Just a perfect day and certainly one of the happiest I’ve ever had.
I think it’s best said by this verse of “Happiness Is…” from the musical You’re a Good Man, Charlie Brown:
Happiness is being alone every now and then.
And happiness is coming home again.
Happiness is morning and evening,
Daytime and night time too.
For happiness is anyone and anything at all
That’s loved by you.
P.S. Thanks everyone for participating in our first contest! We will be emailing the winner today to get your shipping information, so keep an eye out for it! Once the winner has confirmed we will do a special post announcing the winner.
by Michele | May 1, 2013 | Preparation Stage
Once Upon a Gypsy Moon is not so much a sea-tale as it is a man’s introspective journey into his own motivations, actions, and dreams. While Gypsy Moon (his 32-foot sloop) carried Michael from Annapolis to Nassau and beyond physically, the time he spent single-handing her over that distance carried him much farther emotionally and spiritually. He started his journey lost and lonely after an ugly divorce and ended it as a man with hope for the future.
Here are a few of my favorite quotes from the book:
The world has a way of working itself out, in my experience. There are things unseen. Life is not always easy or pleasant, and it is often unfair, but it seems to unfold according to some plan of which we are only peripherally aware – like a dream, the details of which are vivid only when we are sleeping. We cannot remember- much less comprehend- that dreamworld with the powers of a rational mind.
Sailing has been a love of mine for almost as long as I can remember, and that love endures…But over the years, the idea of sailing long distances over oceans, unobliged to return, became for me less about adventure than escape- a kind of trapdoor beneath the uncertain footing of a marriage and a personal and professional life that seemed at various times to teeter on the brink of collapse… With no escape hatch, we have to face life head-on, admit our weakness, rely on our relationships, and trust others to catch us when we fall.
The insight in the book was compelling, though at times it did get a little dry. The boat journey was somewhat less exciting than the cover lead me to believe as it was mostly individual legs of a trip broken up by repair stops on his old boat rather than a continuous time line. The final chapter entitled “The Loss of the Gypsy Moon” was certainly the most thrilling of the book as *Spoiler Alert* Michael did eventually have to abandon ship during bad weather after a nasty knock-down and subsequent rescue by the US Coast Guard. Maybe someday she will be found and resuscitated but it seemed a fitting end to the tale of a man who no longer needed his escape hatch.
We would like to pass the book on to one of our readers in our first giveway! If you would like the chance to read Once Upon a Gypsy Moon yourself, there are four ways you can earn entries to the giveway:
- Subscribe to this blog via email (look for “Receive updates by email” in the right sidebar)
- Leave a comment on this post
- Follow us on Twitter @sv_horizon
- Like us on Facebook https://www.facebook.com/FollowTheHorizon
Each way gets you 1 entry into the drawing, for a maximum of 4 entries. We’ll do the drawing next Tuesday evening and announce the winner on the blog next week! Hope to see your name!
(In March, we were contacted by Center Street book publishers to do a review on a new memoir that they released on April 16 called Once Upon a Gypsy Moon by Michael Hurley. We agreed, so they sent us a pre-release copy of the book that for some reason we didn’t receive until a couple of weeks ago. This is the first time that we have been contacted to do a review so we’re pretty excited that we are starting to pop up on the radar of the sailing blog world.)
by Michele | Apr 24, 2013 | Preparation Stage
A financial safety net is just as important as a physical one.
Whenever we are dealing with finances Dan and I like to plan for a pretty decent margin of error. (Dan would appreciate it if I would practice this a little more in dealing with scheduling as well; I am consistently 5 minutes late.) If you could listen in to some of our mini-planning sessions we frequently have, you would hear the phrase “worst case scenario” at the beginning of most of them. We figure that if we plan for the worst case – within reason of course, we aren’t going doomsday here- then we will be left with a much higher comfort level and safety net in times when we’re living on the other end of the spectrum.
The margin of error is especially important when we are talking about making a budget for a lifestyle that we have never lived before. Sure we think that we will be fine living on $1000-$1500 per month based on our research, but that’s all it is right now, research. It’s crucial for us to know that if that doesn’t end up being true we aren’t left high and dry (pun intended). The whole basis of this adventure is our desire for freedom but you can’t have freedom if you are constantly worried about how you are going to pay for the next time your engine needs a tune-up.
There are a couple of big ways that we are dealing with the margin. The first is in how we are planning out our rental income. Dan has created a spreadsheet that we use to evaluate any potential rental properties that we look at which takes into account all expenses (including property management costs at the highest rate we’ve seen in our area) and also vacancy rates of our tenants. We have separate columns for vacancy rates at 0%, 4%, 7%, and 11%. The current accepted vacancy rate in our area is a very low 2-3% but we use the 7% rate as the amount that we use for budgeting purposes. We hope this will give us a very safe expectation of income from our rentals even if the market worsens a bit before we leave. Hopefully we’ll continue filling vacancies within a week or two as we have done with our first 2 houses and also find a manager we like at a lower price, but if we don’t we are still fairly comfortable.
The second part of the plan is maximizing our income earning potential while cruising. Dan is currently a certified PADI Dive Master and plans to become a PADI Open Water and Specialty Instructor as soon as possible. Because PADI is recognized worldwide we are hoping that this will give us a nice back-up option if our income falls short of expenses. We also intend to log our sailing time once we start cruising to begin the process of getting Coast Guard Captain’s licenses (6-pack at least) which would allow us to complete deliveries and also increase Dan’s marketability as a SCUBA instructor who is licensed to carry divers himself. Finally, investment income on other savings and maybe some future swing trading as described in Live on the Margin in addition to some small income from this blog (yes we have recently added ads to the site) eventually could all add to a few hundred a month for extra flexibility.
Best Case Scenario: our costs will not overextend our rental income, we will have renters who stay for years at a time and financial stress will be a thing of the past in our new life. Worst Case Scenario: we have crappy renters who tear up our houses, our boat breaks down too often and Dan has to take up part-time work doing his favorite hobby. Sounds like a pretty nice life either way.
We are normal (well ok, not so normal) people that have a dream to see the world and live life as it was meant to be. We both have successful careers in the healthcare industry, even in this terrible economy. We want to break free of the current cycle of trading time for dollars and dollars for more and more things we don't need. So, we have decided to forego the fruits of our economic success and "retire" well before we are 30 and set out to see what is over the Horizon.