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When Did That Happen?

Posted on Nov 27, 2013 | 0 comments

Carter and his number 3 candle

He was definitely more concerned with the cupcake than the candle!

Something about time changes when you have a child. As soon as we started telling people that I was pregnant, other parents began the warnings: “Watch out, he’ll be graduating high school before you know it” and “My baby just had a baby” and “Don’t blink, you might miss it.” While we did believe those people and tried to take their advice to heart, I don’t think that anyone can truly appreciate the speed at which a child changes until you have experienced it for yourself.

Carter turned three years old today and it has taken me somewhat by surprise. Suddenly, I don’t have a baby any more but a little boy with an active imagination, active feet, and a very active opinion. I truly don’t miss the “baby stage” (especially the diapers, yay for potty training!) but I have a much greater appreciation for what a precious commodity his childhood truly is for us. It also gives me a stronger sense of urgency to get out of the daily grind so Dan and I can fully experience this time with Carter. Not many families will have the opportunity to have both parents home full time with their child and it is a privilege we are working very hard toward.

In the next few months we are planning to wrap up our loose ends at home and start the very serious business of finding a boat for our adventure. We are hoping to be ready for full time cruising by the end of next year’s hurricane season and while 11-12 months sounds like a long time to some, we know better. We have a relatively short time to get a lot done, but we are so ready for the challenge. The wait is finally nearing an end and for that we are truly thankful.

Happy Thanksgiving to you and a Happy Birthday to our little boy!

 

Destruction Close to Home

Posted on Nov 20, 2013 | 0 comments

As some of you may have seen on the news, this last Sunday an EF4 tornado swept through Washington, Illinois only a 15 minute drive from our home. Hundreds of houses were severely damaged or destroyed, but miraculously only 1 person was killed. None of our family’s homes sustained any damage or injuries, but we do have friends and coworkers whose lives have been significantly disrupted from the storm.

Dan was teaching an Open Water scuba class at the health center in Washington when the sirens went off. Everyone was quickly directed to the locker room areas where the building was the best fortified for emergencies. As the tornado passed, the power in the building went out and Dan could hear the roaring, screeching sound of the monster storm rushing by. A huge crash resounded through the building, which he later discovered was from a cement block wall being knocked over in the addition that was being built on the center.

Dan didn’t realize how extensive the damage really was until later when he tried to drive home. Everywhere he went, there were downed power lines, trees, and homes with roofs blown off. Eventually, he came to the worst hit area where the homes had been completely demolished, almost as if a bomb had gone off. Where there were once whole neighborhoods, all the remains is a giant trash heap that people somehow have to sift through to try and salvage whatever they can. It took him almost 3 hours to navigate through the traffic and wreckage to get home. The pictures above were taken during that time.

I don’t know if there is anything that can humble a person more quickly than to come face to face with the awesome forces of nature. Tornadoes are no respecters of persons. In an instant they have the power to sweep away everything you own, without a thought. Our lives are fragile and each moment is a gift.

 

*If you would like to help this community, please consider donating to the Salvation Army or the Red Cross disaster relief funds.

Horizon Healthcare

Posted on Nov 14, 2013 | 0 comments

Luckily, we aren't planning a revisit of this trip anytime soon!

No plans to revisit the maternity ward anytime soon!

With the recent public concern over the new healthcare law coming into effect, it’s no wonder that Dan and I have fielded many questions about what our plans will be for healthcare and health insurance while we are cruising. Spend any time on forums for cruisers and you will find the same questions. It is a legitimate concern considering we will no longer have insurance available to us through our employers, private insurance (up until this point) has been known to be extremely expensive in the United States, and that expense certainly would put a big kink in a limited cruising budget.

Luckily, there are some factors that help mitigate the need for expensive health insurance for us. First (and biggest in our opinion) is the fact that we do not intend to use the healthcare system in the United States almost at all once we start cruising, as we will no longer be located here. Anyone who has traveled abroad extensively will tell you that healthcare costs outside of the United States are significantly lower than here at home. Regardless of the reasons why that is true, it means that having insurance isn’t really a huge necessity like it is here. In fact, most international health insurance providers charge significantly discounted rates for plans that include everywhere in the world other than the U.S. With almost $75,000 in our own personal emergency funds, self insurance while abroad makes the most sense to us.

We are (currently) young and healthy with very little risk that any major health costs will be popping up over the next 5-10 years. However, we do plan to carry Divers Alert Network (DAN) coverage for all three of us. Their particular plan will cover our #1 greatest risk factor: scuba diving. We’ve already had a good experience working with DAN during my Rescue Victim episode and the coverage is highly rated. Basically, DAN covers any diving-related injury fully including recompression chamber visits and even repatriation to the United States from anywhere in the world if necessary. Not only that but it also covers up to $10,000 for any other non-diving medical expenses, plus even coverage for loss or damage of our equipment (like if our dive camera got flooded or we accidentally drop our gear into the abyss). I’d say that’s a pretty good deal for only $600/year.

There is one little catch in this plan that you may have noticed. What about the healthcare mandate starting in 2014? Well to be honest…we don’t really know. We haven’t gotten any satisfactory answers about what our legal status actually will be once we start traveling permanently; resident/non-resident – its somewhat unclear. Fortunately, we do know that according to all of the income charts (and assuming we don’t get filthy rich from writing this blog) our yearly taxable income should put us firmly below poverty level in the United States. Great news, right? In this case it is, because that means that even if we are required to get health insurance it will be free. We would become part of the <insert random percentage here> of people who receive assistance from the Federal Government. Isn’t that something…