Well Election Night has come and gone, and once again we all chose a president. The real question now is so what? While it’s nice to hear what a candidate is “planning” to do, what we really need to know is how their policies are going to affect our everyday lives. Unfortunately, it is almost impossible to find good concrete information about how US policies affect our future plans. We have been trying to find better information about what our status will actually be once we move out of the country essentially as nomads.
Here are a few of our most pressing questions:
Where is our legal “residence” once we no longer live anywhere specific?
Would we have to pay state income taxes in addition to federal if we aren’t a state resident?
Through which state/city do we do our absentee voting, and where do we have our ballots sent?
How is the federal health insurance mandate going to affect us? Does it apply if we aren’t living in the country?
How do we maximize our tax status to use the system to our advantage while we are living on interest only?
Do we have to pay capital gains tax on the sale of our house if we don’t “reinvest” it in another house? (This one we have answered now: only if we sell our house for more than $250,000 more than we bought it for. In our dreams.)
How do the new overseas banking regulations affect us?
The difficult thing in finding the real answers to these questions is the fact that every cruiser is different and most policies aren’t exactly written with roaming nomads in mind. And while both of us are fairly confident in our abilities to read and understand legal contracts and other important documents, we aren’t very comfortable with basing very serious decisions on our own knowledge of tax, immigration/emigration, and healthcare law. I mean have you ever tried reading raw tax code? Not recommended for the living.
No, it isn’t a shark. It’s a spoonbill from Mermet Springs.
You might have noticed a new check on our To-do List… With a second trip to Mermet Springs in three weeks, I’ve finally earned my PADI Divemaster certification. It was quite a relief to finally be finished, to be honest. Kyle and I had been working nearly every weekend since May… taking tests, completing practical exams, assisting pool classes, grading quizzes and tests, guiding tours, assisting with student training dives, and anything else a dutiful dive shop slave does.
We will definitely still be doing most of those things, but at least the rush is over. We didn’t want to say no to any opportunity to complete a part of our certification requirements due to the fast approaching winter (and no diving for the warm blooded… water so cold your head wants to explode isn’t fun). Each time I assist with new students I am amazed at how far I have come in such a short time. From worrying about not banging into the coral/rocks to flawlessly floating through a submerged Boeing 727, I’m a much better diver than I was a year ago when I was in the Caribbean. I love being able to help students discover diving and improve their own skills.
I still have much to learn about diving and teaching diving, especially as I hone my skills for the instructor class, but it feels great to have attained professional diver ranking.
So where do I go from here? The eventual goal is for scuba to be able to provide some supplemental income while we are cruising. The best way to earn money in scuba is instructing and leading dive tours. As a divemaster I can already lead dive tours, but I am severely limited in the independent instructing I can do. Next up are the Instructor Development Course and the Instructor Exam.
We had the opportunity to sail our MacGregor 25 on Saturday with Michele’s sister Melissa, Kyle, and Kyle’s wife Becca. In 13 knots of wind. Thanks to our sailing classes, we had a great time. The confidence that Michele and I have gained from our classes is what made the difference between a great sail and another misfire. We launched out of Detweiller Marina and were quickly underway thanks to our new-to-us 7.5HP outboard. Our trolling motor just isn’t cut out for more than 7 or so knots of wind and waves. Then the outboard decided to take a break. Sound familiar?
No worries, however. We were in an area of the marina that is very protected from the wind… namely the narrow mouth of the harbor. We quickly let out the mainsheet to allow the boom to point to wind (we were only 20° or so off the wind) and begain raising the mainsail. That is the time that we realized someone (me) hadn’t been paying attention and tied the mainsail to the wrong end of the halyard. Normally there wouldn’t be a “wrong” end of the halyard on a MacGregor… but there was this time because it was tied off to the wrong cleat on the mast. This shouldn’t have been an issue because the fix is as simple as quickly lowering the main, untying the halyard and properly retying the halyard. This was the point in our voyage, however, when the divide between those who have taken a sailing class and those who have not became evident.
A suggestion was made to lower the bow anchor, forcing the boat to point to wind, prior to fixing the halyard mishap. Lowering the anchor would have definitely pointed us to wind and allowed us to easily avoid crashing into the rock seawall we were beginning to drift towards. There were a few problems with this suggestion, however. We were nearly completely blocking the mouth of the busiest marina in Peoria, the rocks were getting quite close, the jib was fully rigged and lying on top of the bow cleat that we would attach the anchor to, Oh, and the anchor was in the stern locker. Without an anchor line attached, mind you.
Michele quickly lowered the main and retied the halyard while the others were debating the anchor suggestion. Good idea!
The rest of the voyage was uneventful (unusual for us, I know), but we were able to practice a few maneuvers that we hadn’t done before in our large-to-us boat. I admit that gybing in our MacGregor 25 would have been a non-starter if I hadn’t practiced multiple times in a laser beforehand. We have gone from chickening out in 15 knots of wind to having a great time in it… all thanks to the confidence gained from our dinghy sailing class.
Michele and I have our fifth sailing lesson tonight… the lessons have definitely been worth it! We went in to the lessons not expecting to learn much in the way of “book” knowledge about sailing, our goal was to gain confidence by putting our book knowledge to the test. In someone else’s boat. By no means am I saying that we know even half of everything there is to learn about sailing, but reading every sailing book between here and the library has put our brains beyond beginner sailing classes. Our confidence and experience just needed to catch up.
Our first lesson consisted entirely of tying bowlines and explaining that you cannot sail into the wind… so far that has been the most “instructing” that has been offered in our class. One of the instructors put it best, “You don’t learn sailing by sitting there looking at a picture of a boat, you learn sailing by sitting on a boat.” Makes sense.
Almost the same thing. Almost.
We haven’t been disappointed. Every class since we have simply sailed the dinghies around while the instructors motor around and try to make sure the students don’t kill themselves. Several other students have said they are overwhelmed by the trial by fire method of learning to sail, but its exactly how I started. We have a choice of three types of dinghies in our class: the JY15, the Zuma, and the Laser. Obviously I chose the Laser. The Laser is a reactive, fast, and fun boat that will allow me to get the most out of the sailing class.
Unfortunately the wind was nearly non-existent during our first two lessons. We are talking 1-2 knot gusts. My Laser still moved in the water, but just. Michele’s Zuma didn’t stand a chance, however. She’s since seen the light and moved on to a Laser Radial.
The real fun started this past Monday when the wind was a consistent 8 knots with gusts up to 13 knots. Fully expecting to capsize within the first five minutes, I cast off in my miniature boat (No offence professional dinghy sailors… you just don’t go cruising in a Laser). Once I got out of the shallows the boat caught the wind and shot off like, well, a laser. I had read about hiking, watched videos, and listened to first hand stories from saltier sailors than I… let’s just say they don’t do it justice. Hanging entirely outside of a boat with your head below the deck (but above the waterline, hopefully), with the knowledge that your weight is the only thing stopping you from tasting the river is exhilarating. It’s also highly conducive to learning fast.
To be honest, up to this point I have viewed sailing as a means to an end. If I wanted to be able to live on a boat in the tropics, visiting new places and diving the best sites in the world, I needed to know how to sail. Sure you can motor between ports, but we don’t want to have to deal with multi-hundred dollar fuel ups at each stop. Sailing my Laser has been the first time that sailing has been fun simply for the sake of sailing. With the experience and confidence gained through these lessons, I’m sure our MacGregor will be able to live up to its full potential.
We had a busy weekend… a trip to the ER, a visit with parents, the cat brought a rabbit downstairs, and we still found time to go sailing! Michele was having some bad symptoms from her recent concussion, but everything is on the mend.
Family sailing - Carter didn't enjoy it as much... he's tired.
Michele, Kyle, Carter, and I had a great sail yesterday. The wind was a little too light, but hey… we’re learning! We were able to get both sails up for the first time, what a difference. The boat is significantly more controllable with the jib, properly trimmed (how do we know it was properly trimmed? We took NauticEd’s free sail trim class!), assisting the main.
Thanks to our new friend the jib (more weathered sailors need to keep the laughs at a minimum… you’ll wake the baby) we were able to sail a respectable 3.6 miles. Beginning at our new home port Detweiller Marina we turned South West and had the wind perpendicular to our course. The new marina helped immensely by reducing the time we spent between the marina and the channel. Detweiller is around 200 feet from the channel… Spindler is over a quarter mile. We had a beautiful sail past the downtown skyline.
Let me make a quick digression… there is a no wake zone between the two large bridges flanking each side of downtown where cabin cruisers (and wannabe cabin cruisers) like to raft up. To each his own, but it seems like a gigantic waste to buy a beautiful, expensive boat and never actually go anywhere in it. If you can’t afford the gas in your boat get a different boat… preferably one with sails.
Our Course
Upon our final turn into the marina, we were greeted by a cluster of drunkards sitting smack dab in the middle of the marina. I am under trolling motor power at this point, not winning any races here. One group of drunken people saw us coming in and decided it would be a good idea to power over, cross our bow, and park immediately in our line of travel about 50 feet away. After (as nicely as I could given the situation) asking them to move their drunken selves out of the way of traffic we were able to tie off at the launch ramp. Truly a wonderful sail! Michele and I begin our official sailing lessons tonight… we are used to just winging things, but our firstfew adventures told us to seek professional help.
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.
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.