Tuesday, August 23, 2022
Back to School! (and so much more)
Thursday, March 3, 2022
We have a new diver!
| Trent did great! |
~Jo, 1st Mate
Wednesday, February 16, 2022
Sea Change
Three weeks ago we mentioned that changes may be coming to our crew (What Is Next?) and a few days ago we came to a decision, one that surprisingly we all agree on after a bit of discussion. This summer we will return to the U.S. (as we had already planned), welcome Katreina home from France, welcome two of her French friends for a visit, then put the boat on the hard for some much-needed work and a break for boat and crew.
| Video chatting with Katreina 5 days ago to let her know that she won't be heading to a brick and mortar school quite yet! |
And the crew will...TRAVEL! We have decided to do another year of homeschool while we do some less weather-dependent travel via air/land. How long? Depends on the crew! To where? Well, those votes are being tallied now...we will update this post when the results are in!
| Keeping the votes anonymous! |
UPDATE! All family members have casted their votes and...
¡NOS VAMOS A SUDAMÉRICA! ¿Donde exactamente? ¡No sabemos!
Monday, January 24, 2022
What is next?
What is next? We ask ourselves this question ALL THE TIME. And the answer usually requires an accurate forecast and a few back-up plans, but we're talking about here is the BIG "what is next."
When we started cruising full-time we knew it was only a matter of time until the younger crew mutinied. As we coast into the second half of this school year it's time to start figuring out what the next year will bring. We've already decided to bring the boat back to the U.S. in the spring and welcome our daughter back from France. We then have some work to do on the boat and some guests from France to host! Then what? I am at the "end of tour" point I'm used to...2+ years of doing the same thing was a luxury in my old line of work so I am programmed to expect a "next." Our original plan of cruising and travel was adjusted by COVID, and that's still a factor. The kids will both be in high school next year, so that's a factor. We have family, friends...those are factors.
We asked the kids for their input and they have unanimously chosen "normal" high school. Their second choice was a year of air/land travel. Me? I am not ready to leave the boat, but I'm simultaneously ready for something else or some more purpose. Frank? He'd be happy with an off-grid cabin in the woods!
So what's next? Give us your thoughts!
| Chatting it over with one of my girlfriends. |
~Jo, 1st Mate
Saturday, August 28, 2021
Au revoir, Katreina!
Sunday, August 22, 2021
On Course to Financial Freedom--Boatschool and Beyond
Last year we did an interview with Stephanie at Poppin' Smoke and it was recently featured again as part of a "retirement alternatives" piece, "Reimagining Military Retirement: Think Outside the Box". While Poppin' Smoke is geared towards military retirees, the options presented are, in my opinion, options for anyone (with a few tweaks to step away from military lodging/travel options). As we have cruised we have met so many people from diverse professional backgrounds with widely varying budgets that have made a "seabbatical" or full-time cruising part of their plan through a variety of financial moves--selling it all to move aboard, working full-time remote, saving for a 1-2 year cruise, cruising between jobs in various ports, and more. Some friends are exploring the country in “land yachts” and others are traveling the world full-time. And we all have been called "lucky" by friends and family! It got me thinking...was it all really luck?
"Lucky" is a term that has always made me feel a little funny. I know that we are extremely fortunate to be living as we do and making memories together, but luck? I think if we had won the lottery to get here it would have been luck. How most of us got here though was through deliberate planning (and maybe a little bit of crazy). In our case, we started living with less, making asset decisions that matched our goals, and investing early on, and for a solid 10 years of pay raises in two successful careers we lived well below our means and didn't increase our standard of living with each promotion--we lived in the same little boat and Frank drove an ancient truck (which is all now apparently known as FIRE--Financial Independence Retire Early). Yes, we have my military retirement and that was certainly part of the math that got us here, but we could have gotten "here" without it, even if that meant "here" looked a little different, like cruising different areas, or with a different boat, or with a different timeline, or without so much other travel and goofing off, or...way too may branches to these options to dig into them all! But we had a "here," a goal that we deliberately moved towards.
So what's my point? I think we all have more options than we fully consider. I grew up in the era where success seemed to be tightly tied to some degree/title/family/car/paycheck metric and that's not a totally horrible thing, but I don't think it's the only thing either, or at least it's not for me. And THAT is what I want my kids to know. We want them to know that there are options, and that if they plan properly, they will have more options to choose from. Or maybe that they can do one thing and then reinvent themselves and do another without major stress. Or that they can plan a vacation or a sabbatical using passive income. Annndddd...that's why we teach them about finances as part of our homeschool journey!
Time to brag on my hubs a bit! As we began homeschooling he embarked on "Investments 101" with the kids, setting the goals of the class and designing his own curriculum. They were in 6th and 8th grades at the time and began with basic terminology, routine checks of the market, lots of Warren Buffet videos, and discussion about financial news articles around the dinner table. The trick was making it fun and therefore interesting so Frank dropped the "let's try to make some money" bit early on, perhaps earlier than a traditional curriculum would have. So part of the class involved the kids researching publicly-traded companies they were interested in and tracking them for a bit. Then we gave them the seed money for a well-timed purchase. The deal was that they needed to stick with the stock for a year, but then could keep/sell as they saw fit. Any profits were theirs to keep and we would absorb any losses. And they were off! Some mornings Trent would call out to Katreina from his bed to report that his stock (EA) was up and hers (BYND) was down...loved that they were a little competitive, but really loved that they were checking daily without our prompting! The first sale went at the 15-month point and Katreina walked away with ~70% return on investment (bought at $110.79/share, sold at $189.12/share). A few months later, Trent sold for ~35% return on investment (bought at $109.79/share, sold at $147.95). They had fun, learned a lot, and are reinvesting! Outside of the class, the kids have had their own savings and spending accounts for a few years (including their own debit cards) and have managed those with just a little oversight from the parental units. And we talk about our family's budget openly in front of them (marina expenses, travel expenses, their cell phone bills, groceries...all of it). All of this is with one goal in mind--arming the kids to have financial options and to make good choices.
| Nothing grabs their attention more than seeing $$$ growth over time. |
| They got LOTS of finance class during a week-long blow in the Bahamas. |
As Investments 102 ramps up, they will hit more of the basic terminology, tax implications, risk, fund types, and portfolio diversification. They will also dig more into personal budgets, banking (savings vs checking, FDIC, CDs, loans, how to pick a bank, etc.), and taxes. The topics are seemingly endless!
And it's never too late to start investing, whether with a financial advisor or getting out there and learning all you can. Why not let your money work for you? You can learn a bunch by reading CNBC, Seeking Alpha, Market Watch, and others. I mean, if you're willing to spend hours scrolling on Facebook or on YouTube watching other people do stuff, why not spend a little of that time learning something that will help you do the stuff you're dreaming about?
So get out there, set your goal, and reach for it!
~Jo, 1st Mate
Saturday, August 21, 2021
A truly unique (and beautiful!) head on a production boat
| The Artist and her finished piece! |
| So much detail in the tentacles. |
| Her signature, complete with "ily" and a fingerprint heart. 💙 |
| From design to finish, she spent over 50 hours on this piece. |
We will finish this with a few coats of Minwax Polycrylic so that the painting isn’t damaged when folks shower. I am so happy to have this piece of art as part of our home!
Saturday, July 24, 2021
Upcoming crew change
If you've been following our crew's story you know that our daughter has been working to study abroad in France next year. What is normally a fairly involved application process both with a school and an embassy was certainly complicated by a global pandemic, but we can finally report that she has met all the requirements to leave in August! She has been accepted, matched to a family, her visa was approved, and she has a plane ticket! |
| APPROVED in only a week! |
| Celebrating with her cousin (and French pastries!) |
How did we get here? After researching a bunch of programs and reading reviews and sending inquiries, we decided to use Nacel to coordinate her program. This was a gamble as we didn't have any friends with first-hand experience with them, but we went for it. We were assigned a coordinator, Céline, who guided us through the entire application process, kept us informed as Katreina was matched to a school and family, and who guided us through the visa application process. She also answered literally any question we had along the way and really kept us informed as the COVID situation changed in France. Nacel is who works to match the student to a family, enrolls them in school, provides in-country orientation and transportation, and helps should any issues arise during the program. They also offer some intense French language training before the program. So far we are happy with the program we chose.
Katreina will spend the entire school year (her "Lycée Seconde") in Tours, France with a family that has two daughters and a dog--she is wildly excited! Her program starts in a month and we are enjoying our final weeks with her.
Friday, April 23, 2021
3...2...1...Crew 2 has launched!
We found ourselves back in Titusville on our way north with PERFECT timing for a rocket launch from Kennedy Space Center! We had been tracking the launch schedule for a while and weather pushed a launch right into a relaxed transit day from Vero Beach for us! But first, we enjoyed our favorite Titusville activities...skateboarding and drinking fantastic beer! The kids spent a few hours at the skate park before we hit Playalinda Brewery for their craft root beer and ever-changing beer selection. We got positively soaked on the way back to our mooring, but it was worth it!
| The marina skate park and Playalinda Brewery make for a happy crew! |
This morning was an early one! I was up at 0515 to get the coffee going, but the astronauts and launch teams had already been up for hours. At 0549 the eastern sky lit up with the glow of the SpaceX Falcon-9 rocket as it carried four crew members to the International Space Station. It was beautiful! We saw a launch back in January, but somehow this was different. You could hear people cheering all around us, you could clearly see the 1st and 2nd stages after separation, you could see the rocket returning to Earth, and you knew that instead of satellites, you had just watch four fellow humans get launched into space. What a time to be alive!
| First light from the launch. |
| Folks cheered as the rocket broke above the clouds. |
| Kind of love the contrail! |
| Separation of the 1st and 2nd stage is clear. |
| The rocket returning to "Of Course I Still Love You" as the sun starts to rise. |
As the sun rose we enjoyed seeing photos of the launch from friends from the Bahamas to Charleston...so cool to see the different perspectives. This may not be he fastest, least stressful way to make a transit of the coast, but I could watch that again and again.
Saturday, April 17, 2021
We are back...hello, Florida!
I'm never super excited to leave the Bahamas, but I had a little incentive this time...I'm out of good olive oil and I am super excited to get a COVID vaccine! So yes, I am moderately happy to be back in the U.S.A.
Our crossing was a decent mix of sailing, motoring, and motor-sailing. We did one overnight from Spanish Wells, Eleuthera to West Palm Beach, Florida. The worst seas were probably on my reveille watch (0400-0800) as the wind went right on the nose and I struggled to try to keep sailing. We opted to motor into the westerlies for a bit, then point more northerly as we got into the Gulf Stream for our push to the Lake Worth Inlet. We managed to drop the hook just before sunset and checked in smoothly via the Customs and Border Patrol ROAM app.
| Officially checked back in...time to take down the Bahamas flag and put down some Bahamas drinks! |
The big news of this transit is that the kids fully entered the watch rotation! We decided to forego school this week and focus on navigation. While Katreina mostly ran the show, Trent was up there to help out, fetch stuff, and keep her entertained. She did great and even negotiated some tight CPA's with merchant vessels. We were always nearby in case they needed anything and usually one of us was awake anyway, but it was nice to be able to tune out a little and recharge. We kept the kids on daylight watches and worked to our strengths (Frank is not a morning person!)--it worked so well that I can't wait to try it again! So our watch rotation looked like:
0400-0800 Jo
0800-1200 Katreina & Trent
1200-1600 Frank
1600-2000 Katreina & Trent (until sunset, ~1935)
| Watchstanding MVP! |
This year I tried to keep our track up-to-date on NoForeignLand.com. I didn't adjust the track to stay out over water, but here is a nice snapshot of our three-month stay in the Bahamas.
Today is a "down" day. It's not a great day to make a run offshore and we avoid transiting the ICW on weekends if at all possible due to the insane amount of boat traffic. We are happy to watch the excitement from the comfort of our cockpit while anchored!
~Jo, 1st Mate
Saturday, March 27, 2021
Spring Break—our boatschool reality
Wednesday, November 18, 2020
Losing a member of the crew
Thursday, October 29, 2020
1st Cruising Anniversary!
Tuesday, October 27, 2020
Lehe Paine gets interviewed by Poppin' Smoke!
I forget exactly how this came about, but I'm pretty sure Stephanie at Poppin' Smoke posted a question on her Facebook page asking about any regrets RVer's had after downsizing and hitting the road. I chimed in with my take on the shift to a sailboat and that piqued her interest! We did some remote interviews with her and the result was a 2-part interview! Poppin' Smoke is a great resource for military retirees to learn about using their travel benefits. It was fun to add "traveling via boat" to the list of topics. And Stephanie is a way better writer than I am. Check out her interviews with us here!
Part 1--Living on a Sailboat With Kids: This Family Loves Life on the Water
Part 2--This Full-Time Sailing Family is Making the Most of Their Kids' Pre-College Years
Wednesday, September 23, 2020
The end of our Maine cruising (for this year!)
Thursday, May 7, 2020
A graduation celebration!
Saturday, February 15, 2020
George Town—a cruiser mecca
Tuesday, February 4, 2020
Boatschool: Art Appreciation at Rudder Cut
The forecast, wind/current regime, and folks that anchored really close to us made this a one-night stop. Kids have voted—we are bound for George Town!