The COVID Post

This has been a particularly tough week. I read an article today about long COVID and the potentially hundreds of millions of people struggling with it. I've read many of these articles before, but none spoke to me like this one. As I read the words of Dr. James Jackson, I finally felt noticed. He says: "So often they have memory problems, but more typically the problems are with processing speed. That has to do with how quickly you can process information and with attention and with this thorny thing that we call executive functioning. And I say "thorny thing" because executive functioning is associated with ability to function in…

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Coromandel Peninsula, New Zealand – Day 3

March 11, 2023 And so begins the longest Saturday of my life. We checked the NZ traffic and travel website and there weren't any new road closures! We got out the door around 7:45am with our first mission to get off the peninsula.  As we drove south on 25, we passed the slip that caused the road closure a few days ago. The only shocking part was that the road was now open. The entire cliffside lane was gone as if Pacman came and took a big bite out of the mountain. The hole was probably 2 car lengths in diameter. Notice the guardrail still in place Photo credit: NZ…

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Coromandel Peninsula, New Zealand – Day 2

March 10, 2023 This is the last full day of our trip. Theresa and I took a walk before the rain fell. We walked about town, eventually sitting down at the Little Blue Kitchen for breakfast. We split a breakfast sandwich, and each enjoyed chai and cacao lattes. Perfect little morning out here in Hahei. We walked back to our unit where we started a load of laundry and lounged around while the sprinkles fell. With most of the things we had planned to do either closed or inaccessible, Theresa and I drove up to the The Lost Spring, a spa in Whitianga while Josh explored more of Hahei. The…

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Coromandel Peninsula, New Zealand – Day 1

March 9, 2023 We took off early this morning for our last stop, the Coromandel peninsula. It has been ravaged by storms in the last several weeks, but it looked like our area was largely undamaged and accessible, so off we went.  About 45 minutes into the drive my GPS suddenly told us to turn around. it took a bit to figure out why. Turned out there was another landslide on the Coromandel which now made us take another route, one that added an hour to our drive. We teased Josh because it was his leg to drive and though he drove for 2.5 hours, we were only one hour…

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Rotorua, New Zealand – Day 2

March 8, 2023 Walked to Te Puia, Maori cultural center. Took the 10:30 tour to see a few geysers, boiling mud pools and finally, kiwi. Our Maori guide explained that there were about 12 million kiwi in New Zealand, but now only about 70,000. Kiwi are ground birds, so they don't fly and are easily hunted by dogs. There's a lot of effort to preserve and grow their numbers. https://youtu.be/rXS3FDZ4ojY Our guide also said that many New Zealanders move to Australia to work for about 10 years before moving back to NZ. The cost of living is high and NZ wages are not. They find they can earn better wages…

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Hobbiton & Rotorua – Day 1

March 7, 2023 Today is Hobbiton! We drove two hours north to Matamata, home of Hobbiton. I'm not a huge fan of Lord of the Rings, but the place is truly a sight to see. It's built on a sheep and cow farm, but feels like a fairytale village. 39 round doors dot the vibrant green hills, the doors varying in size to perceive certain characters (Gandalf) as much taller than others. The homes themselves are just the facade, nothing behind the doors, windows and chimneys. Above Frodo's home at the top of Bag Hill is a large artificial tree. You'd never know it's artificial, the bark and 250,000 leaves…

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Wellington, New Zealand – Day 2

March 6, 2023 We started the day at Belen Bakery, a 100% vegan bakery. Delicious butter chicken pie and cinnamon swirls. From there we took the funicular up mountain to see Wellington from above. Much nicer day than yesterday. We explored the gardens, winding about until we were back at the funicular to make our way back down. After our short morning sightseeing Wellington, we drove four hours north to Turangi. This stop wasn't useful, as we scratched our original plans to leave Wellington early in the morning so we could hike the Tongariro Crossing. The Tongariro Crossing is a difficult 13 mile hike across the mountains, and it just…

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Wellington, New Zealand – Day 1

March 5, 2023 We packed up again this morning (we are getting good at it) and drove up to Picton to take the ferry to the north island. It's a little sad to be leaving the south island, but we agree we have no regrets. We loved the south island. We drove onto the Interislander ferry and picked out some nice seats. This ferry is more like a cruise ship than a ferry. Lots of comfy seats positioned in groups, a cafe and eatery. The four hour journey to Wellington passed pretty smoothly. Sailing through the Queen Charlotte Sound With a metro population of less than half a million, it's…

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Marlborough Wine Region, New Zealand

March 4, 2023 We packed up and left Nelson en route for the Marlborough wine region. Seems everywhere we go we need to cross the mountains. Driving into the Marlborough region there are droves and droves of grape vines. We've seen vineyards almost daily, but nothing to this magnitude. It seems there's nothing but grapes. We arrived in Blenheim and went out to the Wither Hills Winery. They were fully booked, so we bought two glasses of wine and sat outside. Not quite feeling the vibe here, we went across town to Framingham Winery. That place was perfect. A beautiful, relaxing courtyard with rocking chairs, picnic tables and bean bags…

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Nelson, New Zealand – Day 3

March 3, 2023 Since we've been in the car a fair amount, today we aimed for something active. We found a bike rental nearby, Gentle Cycling Co., and the woman gave us a map with lots of options. We opted for a ride that began with a stop at Pic's Peanut Butter factory. Pic's peanut butter is made of only peanuts and salt, and it's all made in this single plant, we learned on the free tour. Josh picked up a jar, and we rode onward to Eddyline Pizzaria and Brewpub for a pint and pizza. Then we took one of the many bike trails along the bay, and rode…

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Nelson, New Zealand – Day 2

March 2, 2023 Our alarms woke us for the first time this trip at 6:45am. Such a cruel way to wake up. We packed up and set out for Abel Tasman. 50 minute drive. We made it to Kaiteriteri where we checked in and got our sea shuttle tickets. Shortly after we boarded our vessel. I have taken a lot of boats in the last two months. Abel Tasman National Park The boat took us north past split apple rock and a small colony of seals on Adel Island. We were dropped at Anchorage and immediately started the closest trail. It led to the top of one of the mountains…

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Punakaiki & Nelson, New Zealand – Day 1

March 1, 2023 Before leaving Franz Josef we stopped for gas at the only station in town. It took a long time because it doubles as the post office, and a man ahead of us mailed a few packages. There are 12 helicopters in this town but only one gas station. We drove three hours north to Punakaiki, home of the famous pancake rocks. Scientists are not quite sure exactly how the rock originally became stacked in layers, but it does look like pancakes. About every 4-5 inches there's a line and another rock sediment placed right on top of the previous. This occurred over and over again as the…

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Franz Josef, New Zealand – Day 2

February 28, 2023 Today's plans involved Lake Matheson and two glaciers. Josh was very excited to go to Lake Matheson since it is his namesake. Thankfully for all of us, the lake was worthy of a stop. Signs indicated Kiwi birds live in the area, but we didn't see any. We did see lots of ferns, moss and Kea birds. It's pretty wild seeing ferns that are part of the surrounding temperate rainforest and glaciers within a couple kilometers. We finished the track around the lake before grabbing a couple things from the cafe and heading to Fox Glacier. We walked the Fox Glacier Southside trail, carrying on all the…

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Wanaka & Franz Josef, New Zealand – Day 1

February 27, 2023 Packed up the house and started rolling down the driveway before we realized we left a pair of underwear on the clothesline. Not sure how I missed a single pair of underwear… Today we had a 6 hour drive over to Franz Josef with many stops along the way. It started with a few windshield wiper waves before getting back in the groove of everything on the opposite side.  Even with the overcast morning skies the yellow grass shone as brilliantly bright as ever. It feels like a crime to do anything but take in the picturesque scenery as we drive. We drove to the Central Otago…

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Aoraki/Mt. Cook, New Zealand – Day 2

February 26, 2023 We agreed to take it slow today. None of us felt the need to go back to Mount Cook, so we checked out the town we're staying in, Twizel. We walked into town and checked out the shops. I was looking for a power converter for my laptop, and we all were looking for L&P, a famous New Zealand soda. We picked up each, and played a little chess in the main square. We also picked up a frisbee, which worked out perfectly because there was a frisbee golf course on our path around town. After frisbee golf we came to another glacial river and followed it.…

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Aoraki/Mt. Cook, New Zealand – Day 1

February 25, 2023 Theresa and Josh went to the grocery store while I slept in a little bit. We're all struggling from jet lag but ours are on different schedules since we came 6 hours from opposite directions. They made some sandwiches and away we went to Aoraki/Mt. Cook National Park. This was Josh's first turn in the driver's seat. He did pretty good, but also did the wiper wave instead of a turn signal a few times. We made many scenic stops on our drive-in because the bright blue lake, the yellow fields of grass, and the white mountains in the distance were too much for us to wait.…

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Queenstown, New Zealand – Day 2

February 24, 2023 Walked to the Fjordland visitor center in Te Anau this morning. Realizing we saw everything we wanted to see in the area, we got gas ($100 NZD) and drove back to Queenstown. We parked the car and walked up to the Queenstown gondola, the steepest gondola in the southern hemisphere. We decided at the last minute to get the gondola ticket and two luge tickets per person. It's an impressive view from the top. We spent several minutes just taking it in. After that we headed over to the second chair lift to get to the starting point for the luge track. We all grabbed helmets and…

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Milford Sound, New Zealand

February 23, 2023 Packed up our Queenstown Hotel and headed out to the Milford sound around 8:00 a.m. We had spotty rain most of the drive to Te Anau. We stopped in Te Anau to check into our hotel, pick up water and use the bathroom then continued to the Milford Sound. Looking forward to staying there tonight. Cute little town. We stopped in a few pull-outs along the way to capture the increasingly pretty scenery. Lucky for us, the clouds lifted in the sun came out. We got to the Milford Sound just on time for our 1:30 p.m. boat cruise of the Milford Sound. We boarded the Mitre…

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Queenstown, New Zealand – Day 1

February 22, 2023 My flight from Singapore landed in Auckland at 9:46 a.m. I had a tight window to collect my bag, go through customs, recheck my bag, and get to my gate for my 11:30 a.m. flight to Queenstown. Everything went smoothly except for customs which required me to declare my hiking boots. The customs officer decided they needed to be sanitized before I could bring them into the country.  By the time I was through customs it was already after 11:30. Minutes later I found out that I did miss my flight. They rebooked me on a flight at 2:30 p.m. and I got to Queenstown around 4:30…

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Bangkok & Singapore, the Unexpected Detour

February 20, 2023 I arrived at the airport two hours before my 8:30am flight to Queenstown, New Zealand via Sydney, Australia. Unfortunately at check in the Thai Airways attendant asked for my Australian visa. I didn't have one. I stepped out of line and applied for the visa as quickly as I could fill out a 12 page form not designed for a phone. I got back in line, but didn't have approval for the visa. Their site said it could be as "fast" as 19 days. I spoke with the attendant again, showing my application form. Unfortunately they noticed it was not approved. I asked if they could rebook…

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Bangkok, Thailand – Days 3 & 4

February 18 - 19, 2023 Headed out to drop off my laundry for service. The staff was not there, so I went ahead and started the wash. After 10 minutes the attendant arrived, but I only had 45 minutes remaining, so I just did my laundry myself. Afterwards Travis, Stephanie and I went out to explore a few things in our neighborhood. We stopped at the Wat Traimit to see the Buddha. Then we went to Talot Noi to check out the street art. Talot Noi is one of Bangkok's oldest neighborhoods, so the alleyways are narrow. Paired with murals along the walls, it gives a different, fun vibe to…

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Bangkok, Thailand – Day 2

February 17, 2023 This morning I got out and about right away. I had a dentist appointment that I took the subway to. Right away I felt like Bangkok feels more like Singapore than anywhere else I had been since. It was nice to have a little bit of a familiar feeling. Everyone on the subway was wearing masks, so I figured out pretty quickly it's required. Unfortunately, my mask was back at the hotel, so I proceeded without for this trip. As I continued to my dentist appointment, I noticed how good it felt to be around people again. In part because Koh Yao Noi is such a small,…

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Bangkok, Thailand – Day 1

February 16, 2023 Another difficult start to the day. Today is a travel day involving boats, taxis, planes and trains. I wish I felt better. Packed everything up and ate a little breakfast. Rode my scooter down to the pier where I returned it to the owner. On my way here, I found myself driving behind a small, classic Porche with Thai plates and 3 non-Thais. I wondered how and why someone got such a classic car onto this island. I also accidentally held my finger on the horn a little too long when I passed them and tried to cover it up with a friendly wave. Windy day today.…

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Koh Yao Noi, Thailand – Days 3-5

February 13-15, 2023 I've been up since 2:00 a.m. with an upset stomach and a blistered lip. The last couple of days I've had a double whammy of the lizards and sunburn. Now I got the trifecta. I found a site to stream the Super Bowl since I'm awake. I'm not sure if it's because I'm in Thailand watching it alone and sick at 6:00 a.m. but it was boring. I reset my goal for the day to find a new place - one with air conditioning and real floors, walls and ceilings. I debated leaving here sooner than Thursday, but there isn't another place that makes sense. Hopefully my…

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Koh Yao Noi, Thailand – Day 2

February 12, 2023 This morning I talked with Rose and Steve at breakfast. They're joining me on the boat tour of Hong and the surrounding islands. They said yesterday they got in a scooter accident. They weren't injured and Rose laughed about it so doesn't seem very serious. Our host took Rose, Steven and Gabriel to the pier and I followed them on my scooter. We took a long boat to a total of six islands, beginning with a few small ones nearby including Monkey Island. Monkey Island is inhabited only by monkeys, some of which swim out to collect the food thrown by the boat operators. After touring a…

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Koh Yao Noi, Thailand – Day 1

February 11, 2023 Woke up and caught the entire sunrise. Quite a nice change of pace from seeing sunset for the last two weeks. Beautiful sunrise. Since it's my first full day on Koh Yao Noi, it's a scooter day. But first I need to find an ATM and get gas. Luckily I found both in the same place about 1km south of my place. This gas station is the fourth different style I've seen. They range from full service gas stations (like in the US), to a single pump on the side of the road, to clear liter bottles sold at many stands. This is the first time I…

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Koh Phi Phi, Thailand

February 10, 2023 Packed up, returned my scooter and walked to the pier. There are a total of 5 passengers and 4 employees on my speedboat to Koh Phi Phi this morning. Phi Phi is the most touristy island in Thailand, but it has some spectacular views I wanted to see. Koh Phi Phi Upon arriving at the dock, Burger King and McDonald's are the first two storefronts I saw. Already glad I'm only going to be here a few hours. The first thing I needed to do was find someone who would hold my bag for a few hours. I asked one of the boat shopfronts and they said…

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Koh Lanta, Thailand – Day 4

February 9, 2023 Snorkeling for two hours yesterday took it out of me. I am moving like a sloth waiting for my brain to come online. With my last day here at Koh Lanta, I decided to go back to Bamboo Beach. I've seen what the whole islands has to offer, so I'm ok going back to a known place. I stopped by Nui Beach first, but it had too much trash for me to stay. Nui Beach My brain is so foggy I forgot to apply sunscreen on my face and I forgot to bring sunscreen with me altogether. Somehow after 34 straight days applying sunscreen and taking it…

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Koh Lanta, Thailand – Day 3

February 8, 2023 Today is snorkel day! Heading out to Koh Haa and Koh Rok via speedboat for a full day of snorkeling. I met Tin Adventure Sea Tours on the beach, where we all piled into two large speedboats. The driver his the gas and we were off! First stop was Koh Haa. I know it's an island but for some reason it felt a lot more remote than I expected. We rode at a high speed for 40 minutes before we made it to the island. When I looked around there was nothing but water for as far as I could see. Don't lose the boat! One by…

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Koh Lanta, Thailand – Day 2

February 7, 2023 Made a plan for the day while laying in bed this morning. There isn't any major tourist attraction on this island except for diving and snorkeling. So I decided today would be a good scooter day and drove across the island south of Old Town to the southern tip. The sunscreen residue and sweat on my hands makes it hard to grip the throttle. On my drive I saw a few signs saying "Drive on the left in Thailand." Always a good reminder 👍 I also saw a few speed limit signs, which I think is a first. And lastly, lots of Tsunami evacuation route signs. Ever…

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Koh Lanta, Thailand – Day 1

February 6, 2023 Sadly I leave Railay Beach today, but I'm optimistic about Koh Lanta. I ate a big breakfast, packed, and published a few posts. While adding posts about Railay Beach, a party of dusky langurs took over the hotel courtyard. They are much wilder than the other monkeys I had seen.  The langurs threw themselves from tree to tree, chasing each other across the balcony cover which caused quite a raucous. Leaves and branches continuously fell as they wreaked havoc on the trees. They ate whatever berries/nuts grew at the top of the palm trees, the shells constantly raining down to the ground. I had a hard time…

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Railay Beach, Thailand – Day 5

February 5, 2023 Today I planned to kayak the island, particularly around Phra Nang Beach. I wanted to explore some of the islands close to shore and see the beach from the water. Yesterday a worker told me they begin renting kayaks at 9:30am, so I got there at opening. Unfortunately the tide was the highest it's been yet, and it slammed into the seawall on my walk there. Not the conditions I wanted to kayak in. I walked the beach as I caught up on messages with Amy and Carrie, greatly enjoying the dialog we get to have many timezones apart. The tide didn’t seem to dissipate as quickly…

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Railay Beach, Thailand – Day 4

February 4, 2023 Got up late today. Eventually decided to go out for breakfast and decided to order lunch. I went to a place called Local Thai Food and ordered the green curry. Delicious! Armin, who I had met in Khao Sok, was in Ao Nang. He took a long boat over to Railay Beach for the day. We hiked a short trail to a viewpoint of Railay West Beach. Many rock climbers were climbing the cliffs. Along the way we got a little lost and I suggested which way to go. Armin said in Germany they have a saying, "never speak against a woman." I'm a fan. Armin broke…

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Railay Beach, Thailand – Day 3

February 3, 2023 We're off to a rainy start today so I'm moving pretty slow. I caught the tail end of breakfast, then wandered off to find the Phra Nang Nai cave. On my way there I met Thomas who's visiting from Vancouver. He's currently a sommelier (at Riley's) and is originally from Slovakia. We decided to check out the sites together since we're both traveling alone. We each paid 100 baht to enter the cave, and I can report it was worth it. Quite a large cave with an elevated walking path throughout. Bats flew around near the top of the large cavern. After the cave we walked across…

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Railay Beach, Thailand – Day 2

February 2, 2023 After breakfast, I ventured out to see the rest of the peninsula. I want to call it an island because it is landlocked by the giant limestone cliffs from the mainland, but it is just a peninsula. I walked over to Phra Nang Beach, which could likely be the most beautiful beach I've ever seen. The sand is almost blindingly white, and the multiple shades of blue, vibrant greens, and tall white cliffs make it quite a site. More than one of the giant rock cliffs had additional beaches where they met the water. At low tide, even more beaches appear. I really need to get a…

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Railay Beach, Thailand – Day 1

February 1, 2023 As is often the case, I woke up to many messages this morning. Today included some from Yvonne that had us both laughing. Great way to start the day! I stopped by the ATM, then checked out of Smiley Dome Camp in Khao Sok and waited for my bus to Ao Nang. Still not used to paying cash for everything. Glad I opened a Schwab Checking account before leaving for Thailand so I don't have to pay 220 baht in withdrawal fees every time. Despite being picked up 25 minutes late and our driver pausing for a smoke break, I made it to Ao Nam Mao pier…

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Khao Sok National Park – Days 2-4

January 29 - 31, 2023 Today I was heading out to an overnight stay on Cheow Lan Lake in Khao Sok. I packed up my belongings and headed to the outdoor lobby for breakfast. Scrambled eggs, toast, watermelon and pineapple. At breakfast I met Aurelie, a solo traveler from Brittany, France. She was embarrassed about her English, but we made conversation anyway. We referred to our conversations as playing Pictionary, as she tried to describe forgotten words and I guessed at them. She noted how the Germans spoke great English. I told her about when I was in Paris, and I was proud to be able to have one full…

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Khao Sok National Park – Day 1

January 28, 2023 Up 2 hours before my alarm. Shared a job opportunity with a former coworker, packed up the remnants of my things and walked to meet my taxi. Thai Taxi Taxis in Thailand are small pickup trucks where the truckbed has a shallow roof and two rows of seating on either side. Climb in, hang in and try not to inhale too much exhaust. Driving in Thailand  There isn't much for transportation safety here. Few people wear helmets on their scooters. Some scooters carry toddlers either riding in the front, back or squished between two adults. Stray dogs warm themselves in the middle of the road.  Passing takes…

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Koh Phangan, Thailand – Day 6

January 27, 2023 My last day in Koh Phangan! Had to make it a good one. Went up to Cookies Cafe for a tropical breakfast bowl. Loved it so much I'm going to try making my own once I get home. Spinach and spirulina yogurt smoothie as the base, then loaded with granola, chia and fruit. Yum! YUM Decided to check out one last beach, Mae Haad near Koh Ma. At low tide you can walk to Koh Ma island just offshore. It wasn't quite low tide but many were making the trek. Contrary to the Google reviews this entire beach was very clean and pretty. Hard to trust the…

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Koh Phangan, Thailand – Day 5

January 26, 2023 The dead cockroach is still there. I must have scared off the lizard. Today I decided to go to the east side of the island to Thong Nai Pan Yai beach. I rode about 45 minutes across the island, passing 3 elephants and later 2 monkeys holding onto a truck bed 😂 No idea if the driver knows they are there. Sometimes I feel like I'm in Jumanji when I'm here. I stopped for breakfast at Pat and Da's and ordered Pad Krapow with chicken. Delicious. 70 baht. I gave the woman 100. I parked the scooter near the beach and walked to find out what this…

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Koh Phangan, Thailand – Day 4

January 25, 2023 Woke up this morning to a torrential downpour that started with the bang of a car accident. No sprinkles, just an immediate and intense downpour. I have an elevated porch that is about 10x15' and there's water inside my room beneath the windows under the porch. Theresa and I had a video call this morning to catch up on things in both of our worlds. I told her she looked about 3 weeks older 😄 The downpour lightened to a light rain. I'm quite hungry so I grabbed my scooter keys and drove off to Bubba's for breakfast. As I picked up my helmet, rain poured out…

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Koh Phangan, Thailand – Day 3

January 24, 2023 I woke up many times through the night looking for the cockroach from my bed island. Never saw it. When I finally got up I saw it dead on the floor next to my bed. I grabbed the ashtray from the patio and put it on top of the cockroach. In case it springs back to life Today I decided to drive to the northern tip of the island and hike to Bottle Beach. The drive there was excellent. Almost no traffic and perfect weather. I parked my scooter at the end of the road and walked down to the Bottle Beach trailhead. There were multiple trails…

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Koh Phangan, Thailand – Day 2

January 23, 2023 I woke up after getting little rest last night. I think I'm worried about driving the new (old) scooter around on this hilly, sandy island. I also woke up to a picture from Theresa of a giant snowman in my front yard, and the final of the Bengals game (they won). Today is off to a good start, just need to make time for more scooter lessons. Giant snowman We walked down to Orion for breakfast and a working session. I caught up on blog posts and replied to Lynn while working at an outdoor desk overlooking the ocean. Life is good. My Amazon sales have been…

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Koh Phangan, Thailand – Day 1

January 22, 2023 I woke up to the daylight peaking through the creases of my eye mask. 8:15! Must've been tired. Amy and I rode up to Sunset Beach for breakfast but the place didn't open until 10. Beautiful location right on the beach though. Breakfast at What's Cup We rode further north to What's Cup and split eggs benedict with poached eggs and salmon and a Nutella/fruit crepe. Delicioso! We talked a lot about Amy's upcoming event, the growth that comes with getting uncomfortable, and our intentions for our next event- ecstatic dance. Held at Pyramid Yoga Center, ecstatic dance is something Amy's raved about and I've never heard…

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Chiang Mai, Thailand – Day 5

January 21, 2023 I enjoyed my last incredible breakfast from my hotel before packing up and taking a Grab to Decathlon (206 baht). Decathlon is the REI of Asia with Asian prices. I picked up four dri-fit shirts and two pairs of socks. 1540 baht. After shopping I took another Grab to the airport (237 baht). This one was much smoother than in Singapore, so I'm through security 2 hours before I leave. Good time to catch up with others and review some receipts. The 3000 baht I withdrew at the beginning of my stay in Chiang Mai lasted me until I left. 2200 for the Elephant tour, 160 for…

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Chiang Mai, Thailand – Day 4

January 20, 2023 Last full day in Chiang Mai. There isn't much that I feel compelled to do before I leave. I finally decided on walking to the only park in the old city. Once I got there it was closed off. In preparation for an upcoming flower festival. I tried to find another park but there's no way around it- Chiang Mai is very urban. Parts of the city are quaint even though it's a cement jungle. But there is not much reprieve from the incessant traffic and gray sidewalks and walls to be found on foot. After a quick Google search, I found another park nearby and dodged…

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Chiang Mai, Thailand – Day 3

January 19, 2023 Today is the Elephant tour! I'm a little conflicted about it because elephants seem to carry a big ethical concern here in Thailand. But it's also a great opportunity for a new and unique experience, and I want to believe all the tour outfitters are taking proper care of their main attraction. I picked what looked like a reputable company, Elephant Rescue Park and away we went. We drove an hour and a half north of Chiang Mai to the Elephant Rescue Park. They have 8 domestic elephants, all of which have been purchased from circuses or the logging industry. They have two tours/day that allow visitors…

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Chiang Mai, Thailand – Day 2

January 18, 2023 Slept in a little today. What a difference when there aren't roosters crowing and the room has darkening shades. Showered and ate breakfast. The breakfast here still amazes me. This hotel costs only $40/night yet offers me a breakfast fit for a queen, and all the water I can drink. (Yes, I get excited about unlimited water.) Upon heading out for the day, I asked if they could recommend a laundry service. They took all my dirty laundry off my hands, agreeing to return it same day for 60 baht. Laundry service is my favorite! I went out to walk the town today. First up was the…

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Chiang Mai, Thailand – Day 1

January 17, 2023 Up at 5:30am to take Dramamine, gather my belongings and walk to the bus station. Here comes another ride in the vomit comet. Hopefully the Dramamine, cool air, and morning sun make it better than the ride here. Although some of the street vendors from the night market were still cooking, I picked up a packaged croissant from the nearby 7 Eleven. Nothing adventurous going into my stomach before this ride. Much like the drive to Pai, Amy and I talked the whole way to Chiang Mai. Sometimes I feel like I’m with Diania when Amy fawns over every dog and cat she sees. We also saw…

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Pai, Thailand – Day 6

January 16, 2023 Today was my last day in Pai, so I moved at more than a snail’s pace for a change. I walked up to Amy’s early in the morning so I could practice driving the scooter. I drove around Pai, making lots of turns so I could practice both balance and signaling. I did much better today, never forgetting to stay in the left lane :) I also saw the real Pai market, located on the opposite side of town as the walking street. No doubt locals buy their goods here, then mark them up and sell them to us tourists. I went back to Amy’s so we…

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Pai, Thailand – Day 5

January 15, 2023 Lazy morning today as I didn’t have anywhere to be. After breakfast, I laid around in my hammock and read. I can smell smoke in the air. The end of January is when farmers begin burning their fields and patches of forest to make way for new farmland. The smoke lowers the air quality index, and eventually all the tourists leave. I made it to Pai just in time. After reading for a few hours, I went out to Two Sisters Restaurant which specializes in Burmese food. I ordered the popular Beef Curry and some kind of green tea. The beef curry was delicious, tasting just like…

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Pai, Thailand – Day 4

January 14, 2023 This morning I woke up to the same chorus of birds outside my window. Such a blissful way to wake up. I hurried out from under the blankets and put all my clothes on as quickly as possible. Then I grabbed breakfast then headed to Amy's for my first solo scooter ride. I was on a mission to see the big Buddha 5 minutes outside of town. The drive there was really smooth. I only had to make two left turns, which I'm better at than right turns. There was very little traffic, and I remembered to stay on the left side of the road. I give…

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Pai, Thailand – Day 3

January 13, 2023 Around 6 a.m. cockadoodledoos start to fill the air. Shortly after, birds are chirping and a scooter starts up and speeds off. It's harder to keep track of my spending here because everything is done in cash. Most of my meals so far have been around 60 baht. The scooter rental is 200 baht a day which Amy and I are going to split. Entry to the hot springs was 100 baht. Snacks and street food cost anywhere between 20 to 60 baht. The costs are cheap but I haven't yet fully transitioned away from dollars to bahts. I feel like I'm spending $60 when I'm really…

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Pai, Thailand – Day 2

January 12, 2023 Woke up after 9 hours of solid sleep. Thank goodness! Started to get out from under my covers only to find it was freezing. These places have no heat or air conditioning, and the walls and ceiling are thatched materials, so they match the outside temperature. In this case that was about 53 degrees. Eventually I climbed out of bed and into the shower. I took a shower that made me colder, then dressed in pants and a sweatshirt for breakfast. My bungalow offers a free breakfast from a number of options. I opted for the fruit muesli and ate as my feet got colder and colder.…

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Pai, Thailand – Day 1

January 11, 2023 After flying into Chiang Mai, I grabbed lunch then collected some water and a power converter at 7 Eleven. 7 Eleven is everywhere in Asia. A couple hours later, Amy flew in and we met at the bus station for our trip to Pai. Shortly after we left, we stopped for gas, and the driver rocked the van side to side for about 30 seconds. I was the only person who found this strange. Amy thinks it's so they can fill the tank all the way full. This is not normal to me 😂 The road to Pai is not for the faint of heart. Between Chiang…

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Singapore

Before I booked my flight I really knew nothing about Singapore. I didn't plan to go there at all. I just happened to be able to get a better deal on my flight if I flew into Singapore then to Thailand. Flying one way from Cincinnati to Singapore cost only 40,000 United miles and around $10 in taxes. That's a heck of a deal. So in preparation, naturally I watched Crazy Rich Asians. Even though it's a fictional romcom it at least showed me something about Singapore. For the most part, I didn't see any of the ultra rich or exclusive locations shown in the movie. I was doing the…

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2022 Recap: Year End Finances and FI Friends

I have so much to say I'm not sure where to begin! One thing is certain, 2022 was one of the best years I can remember. While it involved lots of adventurous trips, the greatest reason for my satisfaction learning how to change priorities. In years past, I prioritized work and everything else that I thought I should do. I routinely deprioritized my immediate happiness for some future promise. While that paid off for me, I spent many unhappy years just trudging along. Now I am in a position to no longer let the *shoulds* take priority. In 2022 I started prioritizing self-care and choices that enhance my life. I…

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What About Health Insurance?!

When I was planning on leaving my traditional job, one question echoed in my head: “what about health insurance?” With the advent of the Affordable Care Act less than a decade prior, this is the question I heard elders ask when people left or lost their jobs. They gave the impression it was a grave act to lose a job, much less leave willingly, and forgo the almighty health insurance. What about health insurance?! Image by storyset on Freepik Health insurance must be really important and really difficult to secure, I thought. While that may have been the case (sadly) in the past, the ACA no longer required us minions…

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How Squirrel Picnic Tables Brought Lessons in Abundance

As some of you know, I quit my big corporate job in 2019, shortly before Covid arrived. Covid came and wrecked my plans of travel, so I quickly found myself with a lot of time on my hands. I felt like I might as well have been working instead of taking Retirement 1.0. With so much extra time on my hands, I got a chance to dive into a business model I wanted to explore. I was very curious about Amazon FBA businesses that many people run out of their homes. I'm not talking about the retail / online arbitrage models. I wanted to know how to either make or…

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Isla Mujeres Day 4 – Heading Home

Wednesday, March 23, 2022 Shared a cab back to the ferry with 2 guys from Minnesota. 80 pesos. One's sister lives here. He says he's going to move here next year. Tired of Minnesota winters. Noticed gas was $23.35 per liter. Couldn't do the conversion off the top of my head. There are so many conversions I do daily. Celsius to Fahrenheit. Pesos to USD. Spanish to English. English to Spanish. We talked about how our government is useless and agreed it seemed the only way to solve it is to leave. I wish I had met them on my way into town. They would've been fun to hang out…

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Isla Mujeres Day 3

Tuesday, March 22, 2022 Woke up feeling pretty good today. Sunshine crested over the ocean out of my window. And the internet still works. After putting in a half day's work, I thought about what to do with my last day in Mexico. I decided to go back up to Playa Norte, anticipating a stop at the bank along the way. My host, Lorenzo, was in the courtyard with someone performing maintenance. I noticed now that all four of the bikes had baskets mounted on them instead of just the two smaller bikes from yesterday. I grabbed the same bike I had the day before and started riding north. After…

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Isla Mujeres Day 2

Monday, March 21, 2022 I hoped I would wake up feeling better this morning, but I didn't. And the internet still was not working. I texted my host to let them know about the internet, but I didn't feel very useful anyways. I laid in bed watching the sunrise over the ocean. Of all places to be sick, I picked a pretty good one. I didn't have to go anywhere to enjoy the best of what this island had to offer. Sunrise from bed Bike Riding After a while, I grabbed one of the bicycles and started riding around. I felt like I had to make the most of my…

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Isla Mujeres Day 1

Sunday, March 20, 2022 Woke up to an upset stomach this morning. Slept a couple of hours longer than usual and still didn't feel well. Not the best for a travel day. Eventually I rounded up my stuff, repacked my bags, and checked out. I dropped my keys through a hole in the wall around the compound. Even though I wasn't hungry I stopped for breakfast. I wouldn't arrive in Isla Mujeres until about 3pm after a bus, taxi, and ferry, so I felt compelled to eat something. And the restaurant was very relaxing and only a block from the bus station. I arrived at the bus station 20 min…

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Tulum Day 3

Saturday, March 19, 2022 Hailed a taxi and went to the Tulum ruins first thing this morning. 150 pesos. 85 pesos for entry. Word is you have to arrive before the tour buses start unloading people around 9:00 or 10:00. So I got there just as they opened at 8:00 and got to check them out with a handful of others. The ruins reminded me of Ostia Antica, Italy. Similar to churches, ruins all kind of look the same after a while. It was still interesting to see them though. They had various temples houses and other buildings, some still with decorative motifs intact. The ruins overlook the ocean, making…

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Tulum Day 2

Friday, March 18, 2022 I woke up this morning to no running water. Got locked *in* my Airbnb. Sliced my big toe on a rock in the courtyard. Dropped off my laundry. All before 8am. It's already been a day. Thankfully I cut my toe in my own courtyard, so I hobbled up the steps to my room, doctored it up, and then hobbled off to the laundry in my flip flops. My tennis shoes put too much pressure on the wound. As for the laundry, the man informed me it would be 56 pesos ($2.75) for it to be washed, dried, and folded. I seriously need this service at…

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Tulum Day 1

Thursday, March 17, 2022 I was pretty excited to leave Mahahual this morning. So excited that I went to the colectivo station 2 hours early. I found a taco stand nearby and ordered two tacos. The owner and her husband served up two delicious carnitas tacos and a liter of Coke. The tacos were served on a plate wrapped in a plastic bag. I think that's a covid measure, but I'm not 100% sure. Either way it made me smile. I haven't seen anything like that before. The green salsa is VERY spicy After downing the two tacos I asked for uno mas, 1 more. After all, I had absolutely…

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Mahahual Days 2-4

March 14 - 16, 2022 Each morning I worked a few hours from my hotel, then either walked or took a taxi to the beachfront. There's a taxi stand right down the road from me and my hotel staff told me it should cost 25 pesos. So I practiced saying 25 in Spanish so that I could ensure I got a fair rate from my taxi driver. The minute I got down to the beach and stepped out of the cab it began to rain. I ducked for cover for 5 minutes while the rain briefly passed through. Then I walked the entire tourist strip (which is probably about 1km…

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Mahahual Day 1

Sunday, March 13, 2022 For my last day in Bacalar, I wanted to take in the best of it - the beautiful, peaceful lagoon. No crocodile this morning. I stopped by a small outdoor restaurant and enjoyed a chai tea latte and a green omelet. The ambiance at the outdoor restaurants can't be beat. Colectivo After breakfast, I finished packing up my belongings and decided to head to the colectivo. Since I didn't know the schedule, I figured I'd better just get up there and prepare to wait. About 2 minutes after I got to the colectivo station my van arrived. I didn't even have time to get my ticket…

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Bacalar Day 5

Saturday, March 12, 2022 First thing this morning I went down to the waterfront. I'm always up early so instead of working right away I decided to take a walk. I went down to one of the only public peers and took in the beauty of dawn. There were a few others seated at the end of the pier. After about 5 minutes a crocodile suddenly appeared in the lake only a few yards away. It wasn't visible for long, dropping back under the surface and disappearing. I couldn't believe I spent the last 2 days in the same water. I think today I'll stay on land. Crocodile! I walked…

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Bacalar Day 4

Friday, March 11, 2022 Today's big event was a sailing excursion on the lagoon. I slathered on the sunscreen, including my eyelids, and headed down to hail a taxi. The sailboat set off near cocolitas which helped make things easy for me. This time my taxi cost 50 pesos. He dropped me off at cocolita's and I walked the rest of the way. About to board our sailboat Our sailboat included two sailors, originally from Argentina, and four women. One woman was from Mexico City, and the other two were from Chicago and Minnesota. The sailor mistook Minnesota for Venezuala and created much confusion when he spoke to her in…

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Bacalar Day 3

Thursday, March 10, 2022 Today I found the best place of my trip so far. Cocalito's cenotes. This place is beautiful. It's a little south of town and requires 50 pesos for entry. But it has bathrooms, a restaurant, and most importantly and incredible view and entry into the lagoon. It's impossible not to be relaxed here. I took a short nap, then made my way out into the water. I probably got about 60 yards off the beach and the water was only to my waist. There are sections roped off for the stromatolites, one of the oldest living organisms on the earth. Everything is utterly beautiful. Cocalitas built…

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Bacalar Day 2

Wednesday March 9, 2022 Nina invited me to join her and a friend for a trip out to Los Rapidos, a river that feeds the lake. I turned her down before even looking at it because I had just stepped out for breakfast and had lots of catching up to do from spending much of my time with others the past week. After looking up Los Rapidos I was disappointed to have missed it. Save that for another time. After grabbing a smoothie for breakfast, I walked around to get a glimpse of the lagoon. It's aptly named the Lagoon of 7 Colors because it supposedly has 7 different shades…

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Bacalar Day 1

Tuesday, March 8, 2022 I woke up to an ant crawling all over me. It didn't matter. I was excited to go to Bacalar today. I offloaded my leftover groceries to a new tenant, a vegan handbag designer named Sol from Toronto. Then I started my walk to the bus station, deciding to walk so I could pick up a banana from the market. 3 pesos. I contemplated an Uber from there but I was halfway so I just kept going. Once I made it to the bus station I was quite excited for Bacalar. Everyone who's been there keeps saying how great it is, and how different it is…

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Merida Day 13 – Last Day!

Monday, March 7, 2022 Deb and I had a good day running a few errands for our last day here in Merida. We grabbed a couple of bananas at the market before heading down to buy our bus tickets and schedule Deb's covid test. A few of the souvenir shops were closed so we walked up to El barrio for brunch. Lunch did not disappoint. After that, we joined our mastermind call then headed back out on the souvenir trail where Deb picked up some trinkets for her girls and I found myself a coaster. Then we stopped for gelato where I got roasted corn, chocolate and achiote gelato. I…

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Merida Day 12

Sunday, March 6th, 2022 Woke up this morning and immediately booked an Airbnb in Bacalar for $33 a night. It's official, I'm leaving Merida for the final two weeks of my trip. I certainly haven't done everything there is to do in this area but I feel I've seen enough and am ready to roll on. Cenotes! Deb and I took a Didi to the Alamo car rental near the airport (highly recommend). Jess met us there. After a very thorough walk-through of our Nissan hatchback rental, we piled in and headed for the cenotes at Ecotours "X'Tohil" in the State Reserve. This was an authentic cenote experience. They had…

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Merida Day 11

Saturday, March 5, 2022 This morning was a nice, slow, casual morning. It felt great not having any anxiety over making plans that required a lot of coordination. Eventually, after enjoying the peaceful morning, Deb and I packed up our backpacks and took a Didi up to Las Dunas Beach. It felt like we had the whole beach to ourselves. This is at the tail end of the beach so there is very little tourism. Las Dunas We were going to lay out but the wind was kicking up sand so instead we walked into the nearby town, Chuburna. When we got to where we were going, a hacienda that…

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Merida Day 10

Friday, March 4, 2022 Tried to book a rental car this morning and all of them are fully booked. Ultimately decided to push the trip a day and book a car for tomorrow, but those are also booked. Frustrated. Maybe we’ll just take the bus to Uxmal tomorrow. The buses have been very reliable. Instead, Deb and I walked around town and she could see several of the small parks and shops in the Centro district. We grabbed lunch at my favorite, Taqueria la Lupita, so that she could try the tacos. I think they got a passing grade. Just a couple of gringos at the taqueria Then we browsed…

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Merida Day 9

Thursday, March 3, 2022 Deb taught me how to peel and slice a mango this morning. It had a much bolder flavor than I imagined. We also agreed that the mini bananas taste almost exactly like regular bananas. Everyone selling them says they taste different but I don't think that they do. When peeling the mini banana, ants crawled out of the crevice between the peel and the tip of the fruit. That's because the kitchen cabinets (and kitchen as a whole) have tiny ants crawling all over. It leaves a lot to be desired. The rooms aren't bad, but the kitchen is not great. Beach We agreed to head…

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Merida Day 8

Wednesday, March 2, 2022 Well, I have had an eventful 12 hours. Last night my toilet stopped filling with water so I couldn't flush. No big deal. I could wait to flush it until morning when Maurizio, my host, would be here to take a look at it. What I didn't anticipate was waking up at 5 a.m. with an upset stomach 🤢 Suffice it to say things happened that have never happened to me before 😮 No sooner than the sickness arrived, it was gone. If that's the worst food poisoning/sickness I experience while I'm here, I'll take it. I worked for a couple of hours after that, trying…

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Merida Day 7

Tuesday, March 1, 2022 Only 66° this morning. Very refreshing! I worked out on the patio this morning before doing laundry and catching up with my Belgian buds. Shorties When housekeeping came to clean my room so I headed out for what else - tacos! This time I ordered quatro cochinita pibil tacos and a Coke. Just as delicious as yesterday and completely satisfied. The male waiter was very friendly. He found it funny I could reach the menus mounted on the wall from my table. Everyone is fairly short here. This makes for many near obstacles when I walk around town. Among other things, awnings are usually low enough…

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Merida Days 1-5

February 23 I arrived in Mexico for a one month stay in Merida. The goal of this trip is to further grow an abundant mindset and live out the life that I want. Many have asked me to keep them apprised along the way and this is the best way to do it. These are the Merida Chronicles capturing each of my days in Mexico, and the total expense of the trip. Wednesday, February 23, 2022 Arrived Wednesday, February 23rd in Cancun. Had a direct flight from Cincinnati via Frontier for only $200. The flight was incredibly quick, taking only 3 hours. I could see the Florida coastline, spotting Tampa…

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Merida Day 6

February 23 I arrived in Mexico for a one month stay in Merida. The goal of this trip is to further grow an abundant mindset and live out the life that I want. Many have asked me to keep them apprised along the way and this is the best way to do it. These are the Merida Chronicles capturing each of my days in Mexico, and the total expense of the trip. Monday, February 28, 2022 Up at 6. Laid around for a bit then went to the outdoor table and worked for a few hours. I met a Belgian couple that just arrived. They were at the end of…

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Drop the Divorce Stigma

I recently saw an image that said “Marriages don’t last like they used to back in the day”. Someone issued a rebuttal saying “It wasn’t until 1975 that women could open a bank account in their own name." The rebuttal makes the point that it would have been very difficult for women to live without a man due to the laws that discriminated against them. In addition to bank accounts and credit cards, women were not allowed to get a mortgage or a business loan. They were also snubbed from full-time employment positions. Many employers saw working women as threatening a man’s ability to provide for his family. Given this…

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A Beginner’s Guide to Earning and Spending Points

I often see beginners asking about travel hacking and rewards points. Most people answer by tossing out their favorite credit card and the conversation ends. No one explains what points are, how to determine their value, how they’re earned, or how to spend them. I thought it’d be helpful to share a full walkthrough of how I decide which credit cards to open for travel rewards points. In this example, I'll share how to book 10 nights at a 3 star hotel for free. Step 1: Pick Your Vacation Destination The first thing I typically do before opening any credit cards is decide where I want to go. I usually…

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2020 Lessons: Finding Hope through Community

We finally closed the crazy year that was 2020. No doubt it will be one of the most memorable years in our lifetime even if it's memorable for being extraordinarily dull. Though it was different from years past, 2020 held many bright spots for me, none more valuable than finding hope through community. Before the pandemic set in, I traveled abundantly. I spent most of winter in sunny Fort Lauderdale, waving to friends on a beach webcam. I also got to ski in Big Sky, Montana, tour the Nike Missile Base in Everglades National Park, and eat cheese at Cady's Cheese Factory in western Wisconsin. 2020 travels After COVID came,…

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How to Deal with Financial Anxiety

We certainly are in interesting times. Although we’ve lived through other shocking world events and economic downturns, Coronavirus brought it to a new level. We've never before experienced such a widespread reversal of our routine lives. Understandably, many are feeling anxious. The good news is there are a few things we can do during this time to curb our financial anxiety. Review this list of 5 ways to deal with financial anxiety and your money stress will begin to fade. Talk About It While we’ve culturally dismissed talking about money as taboo, there is a lot to be gained by learning how to open up about this topic. Every single…

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How a 401k Rollover to Vanguard Saved Me $260,000

After quitting my big corporate job, I had an item on my checklist that I wasn't sure how to tackle: rollover my 401k. Honestly, I didn’t care enough for it to make my to-do list. Why people rollover 401ks was lost on me. 7 months after I left the company my 401k was still invested, still growing. I still had access to it, and there were no penalties I’d encounter by leaving it where it was. So what was all the fuss about? Eventually I had enough time on my hands to take a closer look.  After some very basic research that took me about 15 minutes (20 if I…

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Confessions of a First-time Homebuyer

Reflecting on my decision to pay off my mortgage vs investing I have to come clean. Paying off my mortgage early was a bad financial decision. Buying on the heels of the 2009 housing market crash, I didn’t want to accept any more risk than necessary. From the start of my mortgage in 2010, it was my mission to pay it off as quickly as I could. After basking in the glow of my achievement, I wrote about how I saved $130,000 by paying off my mortgage early. That post earned me congratulatory messages and virtual pats on the back. It also got me this comment from a VP at…

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Travel Hacking 101: How to be Frugal without Sacrificing Travel

After quitting my job last year, I went from having money and no time to time and no money. Yet I flew to London, Iceland, Montana and Florida. I booked 4-star hotels in London, Paris, Gatlinburg and Orlando. Had I paid all for all of that travel out of pocket I’d have spent thousands of dollars. The one way flight from Iceland to Cincinnati cost $1300 alone! But I didn't spend a dime. How did I manage a year of epic travel without breaking the bank? Travel hacking. Sunrise in Big Sky, Montana What the heck is travel hacking? Travel hacking is the accumulation of credit card points for spending activity.…

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What’s in My Wallet? A Look at the Best Travel Hacking Credit Cards

Now that I'm no longer a novice in travel hacking, I plan out my travels then find cards that help me offset the cost. So these are the travel hacking credit cards currently in my wallet and why. Chase Sapphire Reserve 100,000 point sign-up bonus (now only 50,000)$300 travel credit each year3x points on anything travel relatedReimbursement for Global Entry, TSA pre-checkNo foreign transaction feesTravel insurance coverage includedFree access to airport lounges (which means free food and drinks) The Chase Sapphire Reserve is my everyday use card. I put all of my transactions on it, except when I'm meeting the sign up bonus of another card. Chase points are the…

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Mind Over Money: The Key to Achieving Wealth

"Mind over money: the key to achieving wealth." I know how cheesy that sounds. I should print posters to hang in guidance counselor offices. Regardless of how cheesy it sounds there is more truth in that statement than not. The key to achieving wealth is about the mental toughness it takes to make it happen. Finances are black and white. Math is either right or wrong. Yet, we struggle to make good financial decisions. This is because we haven't fully subscribed to what it means to be wealthy. Achieving wealth is about lifestyle more than it is about money. Money is just a tool to achieve the lifestyle we want.…

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4 Reasons Not to Buy a House

So you're thinking about buying a house. Are you sure? Homes are typically the biggest purchase a person makes in their lifetime. Big purchases can mean big headaches. Consequently, it pays to think through all of the reasons you should and shouldn't buy a house. Let's run through 4 reasons not to buy a house. 4 Reasons Not to Buy a House 1. Remote Work The shift of jobs online in recent years provides opportunities not seen in the past. You can work from anywhere in the US or even in the world. You can live wherever you want, choosing to relocate whenever you desire. For those with a sense…

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Are Index Funds Better than Stocks?

For investing newbies, one question always surfaces: are index funds better than stocks? Index funds have been growing in popularity for several decades. They are low cost, diversified investments that offer steady returns. Because they represent the entire market, there's little management required and acceptable risk. They simply generate returns on your investment. What is an Index Fund? An index fund is a collection of stocks that represent the market. There are many stock markets in the United States, but the big two are the New York Stock Exchange (NYSE) and Nasdaq. Every publicly traded company in the U.S. belongs to a market. In addition to the NYSE and Nasdaq,…

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The Makings of a Good Emergency Fund

I had just gotten home from work when I heard a knock at my door. I opened it to find one of my new neighbors whom I hadn't met yet. He proceeded to tell me how I had water gushing through my yard and into the street, the cause likely a burst water line. It wasn't until he mentioned contacting the county to see if they would forgive the cost of water literally going down the drain until I thought about how much all of this might cost. I had only bought my house three months ago. How could I already have a catastrophe on my hands? Even if you…

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How to Start Investing in Index Funds

We've all heard the stories of how people invested some money, the stock took off, and now they're mega-rich living the high life. This has happened recently with many cryptocurrency investors. The less glamorous story happens much more often: someone bought a stock that was a "sure thing", invested a lot of money into it, and lost a lot of money. This has also happened recently with many cryptocurrency investors. Instead of looking at investment options that will drive such extreme results, we're going to focus on a more balanced, less risky way to start investing: index funds. Although index funds may not create headline-making returns, they are the primary…

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How I Saved $130,000 by Paying Off My Mortgage Early

I admit I didn't completely know what I was doing when I bought my first home. I really only knew it was going to be the most expensive purchase I'd ever make. It wasn't until I saw the first monthly bill that I fully understood just how true that would turn out to be. After 9 years I saved $130,000 by paying off my mortgage early. Here I'll explain exactly how I did it so that you can also achieve financial freedom. Before getting into the details, the Mortgage Professor offers an invaluable spreadsheet for understanding mortgage loans, principal to interest ratios, interest totals, additional payments, and general what-if calculations.…

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Getting Control of Your Finances

Icon vector created by rawpixel.com - www.freepik.com Many people wonder how to get started on their journey to financial freedom. If you're here you have already considered budgeting, have probably tried it a few times, and are stuck on how to make it work for you. Unlike most money management advice, this is not a detailed analysis of your spending habits, nor encouragement to change them. So how do you start your financial freedom journey without budgeting? You start tracking all of your income and expenses. Understanding how much money comes in and goes out is the cornerstone to getting control of your finances. Say you make $70,000 a year.…

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What’s the Difference Between a 401k and Roth IRA?

Convinced we need to save for retirement, we seek understanding of the many retirement funds available to us. The biggest question out there involves the difference between a 401k and Roth IRA. I'll answer that question in the simplest way. It all comes down to taxes. A 401k contribution is made from your gross income before taxes are taken out. Since you don't pay taxes on a 401k contribution when it's made, you pay taxes when it is withdrawn. Conversely, a Roth IRA contribution is made after taxes are taken out. Since taxes have already been paid, you are not taxed when funds are withdrawn. There are other differences, but…

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