We Are Nearing La Fin. La Meta. Das Ende.

Sometimes when I am reading, my book becomes due at the library and I cannot finish it and I have to put it back on hold again, usually for several weeks. Other times I just lose interest, or start to read something else that I know others liked, but I am just not ready to call it a DNF. 

Therefore, my "currently reading" section on Goodreads has a few stragglers. Usually I just leave them there, and in December, I basically poop or get off the pot, if you know what I mean. Here are a few books that are in my currently reading (half read) queue. If you have read any of them, please let me know if you think I should cut them loose or try my hardest to get them read by the end of the year. 

In Memoriam (Alice Winn): Lisa liked this, so I wanted to like it, but after a few pages, I kind of drifted off, mentally. However, it also got a 4.52 on Goodreads. 

Murder in the Family (Cara Hunter): I started this audiobook and there were so many characters that I soon lost track. 

Lessons of a Lakota (Billy Mills): This was a PDF that someone gave to me and the print is weird, so I cannot zoom the letters and have to read it as pretty tiny print. I like learning about Native history, but had a hard time getting into it. 

Leviathan Wakes (James Corey): This is number one of the Expanse series and all my friends have loved it and it got 4.31 on Goodreads. This was also a PDF but I did end up putting the audiobook on hold in hopes that it would be a better fit. 

The Hunter (Tana French): I really like this author and have enjoyed a few of her other books, and this one got 4.1 on Goodreads. I want to like it, but the first few chapters are not drawing me in. 

All The Colors in The Dark (Chris Whitaker): I recently read and enjoyed his other book We Begin and the End, but my loan expired on this before I got more than a few pages in. Also it got 4.35 on GR. 

The Long Walk (Brian Castner): This book is about a man who had to deal with unexploded ordinances in the war and how it affected him mentally. I want to like it but it is not drawing me in! It has a 3.95 on Goodreads. 

By Any Other Name (Jodi Picoult): I was really enjoying this book when I got to Elisabeth's house and due to not really spending time listening to audiobooks, my loan expired. I put it back on hold but it was another couple month wait. Waahhh. 

Wanted: Toddler's Personal Assistant (Stephanie Kiser): This was slightly entertaining me when the loan expired. Same story as above, the new hold is still a couple weeks of waiting. 

The other thing that I did not say is that now that I am not on the bike as much my reading has gone from like five books a week to maybe one book a week! Regardless, whatever is left at the end of the year that I have not yet read will probably be a DNF. 

Have you read any of these books? If so, which four or five should I focus on? Are there any here that you abandoned? 

This is my last NaBloPoMo post. We will now return to our regularly scheduled programming.

Ask Me Anything (2)

I hope that everyone had a wonderful day yesterday and are not working today, but if you are, I hope it goes by quickly! Here are a few more answers to some of the questions people have asked me lately. 

Michelle asked: How do you stay safe? From idiot drivers, creepy people, wildlife? I try to ride on either dirt roads or bike paths that are away from most cars, but when I do have to ride on the highway, I have a red jacket and a blinking red light. I try to stay over as much as possible to the right and after that, I just have to pray that the drivers give me room. As far as creepy people, I just try to walk on the other side of the street, or if I am riding, I can usually ride away. I have not had any issues with creepy people in places I have camped. I obviously try to pick a spot that is either established, or if wild, is slightly hidden and not on a busy road or area. Wildlife and I are copesetic and we coexist happily. 

What will you eat? I answered that here and here. 

What do you do in bad weather? Cry. Just kidding! I just keep peddling. When I was riding the Tour Divide, we would say that in the voice of Dorrie from Finding Nemo. In case you have not seen the movie, “just keep swimming" was the necessary action to accomplish the large feat of crossing the ocean, but more abstractly, it was how they coped with the improbability of the task. This quote also helped them move forward without thinking too much about it.

Do you speak any foreign languages? I can get by with Spanish and French and can say hello, thank you, bathroom, beer, "do you speak English" and "I don't speak ____" in all of the languages of the places I have been to. I try to always learn at least that. 

How will you communicate with people in Europe if you don't speak their language? An app? If I don't speak the language and nobody speaks English (which is fairly rare in most big cities in Europe), I can use Google Translate. If you have not used it, it is great. You can download the language for use offline and then the person can either type into or speak into your phone and the app will translate it, and then you can type or talk and it will translate back. I have also found that hand guestures, body language and facial expressions will work wonders. 

Will your phone work in every country? Yes, I have Google Fi (I talked about that here), which works internationally. In some countries you have to pay per minute for phone calls, but texts are all included in the plan, and if and when I need extra data, I have an e-SIM (through Airalo) where I can load up data onto my phone for whatever country or region I am in. 

Are you worried about people being anti-American? No. There are always people who are anti something, but I am not going to let that ruin my day. Also, for the most part, I have found people to mostly be curious, not negative. I had a great conversation with two Swedish people in Thailand about why we had voted for Bush. Actually, in all of the places I have been, I have never had anyone be rude or mean to me due to my nationality. 

Also, you've said that you have stomach issues when you're not exercising hard - is that correct? I'm wondering if you'd talk more about that? Woof. This could be a whole post. The short answer is that I did have a lot of bloating, like 5 months pregnant, tight, aching belly and since I have been on the bike every day, it has been a lot better, as in only a couple of times have I noticed it. I did a ton of testing before leaving the Bay Area and bottom line is that it is probably SIBO, which can be treated with antibiotics, but also can return over and over. So, I currently try to stay away from beans, cruciferous vegetables, onions, garlic and wheat, but it is definitely not a cure all. 

M asked about my major being Kinesiology and how did I get into finance from there? I got my BS in Kinesiology and then went to travel the world and reflect, and when I came back home, I had spent all of my savings and took the first job I could get, which was as a financial analyst on a contract with the DHS. In the meantime, I also volunteered at a PT clinic, which was what I had thought I wanted to do, and I didn't like it. I ended up doing the analyst job for about eight years before deciding to travel again and when I came back home, I got a job in insurance, which I hated, and then a job in financial services, which I loved, and have been doing ever since! 

I think that is long enough! Now it's your turn! 

Is the job that you are currently working (or worked in the past) related to your major in college? Do you speak any foreign languages? Have you ever encountered rudeness or meanness in a foreign country due to your nationality? 

There is still time! If you haven't already, you can fill out this form with any questions you want answered for my next ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

An Important Question

Happy Thanksgiving to all of my U.S. friends and happy Thursday to everyone else. Hopefully no matter where you are, you will have a chance to spend some time with loved ones either today or in the following days. 

Isn't he a beauty?

One of the items on the list of 36 questions that Elisabeth and I went over was "for what in your life do you feel most grateful?" and the subsequent question was "if you could change anything about the way you were raised, what would it be?" I thought today would be a good day to share my answer with you. 

I told Elisabeth (and Belle) that I was very happy that my family has let me be me. They have always been there for me, and even though we did not get all of the newest coolest most expensive things growing up, I never wanted for anything, and I learned the value of money from them. But best of all, when I say that I am going to go to Nepal and climb a mountain, or quit my job and ride my bike around, they barely even blink an eye. Sure, they wanted me to go to college and to make something of myself, but they have never put limits on what that "something" was and have always been supportive of whatever it is that I choose. This is priceless and has given me the confidence to try new things and go to new places, as I always know that they will have my back. 

Snowshoeing with Mom and Dad

As far as changing anything about how I was raised, I am happy with it. When I was younger, I probably thought I worked too much, did not get to see my friends enough, and did not play enough sports, but looking back now, I know that I had a lot of good things in my life. Great job, Mom and Dad; thanks for being there for me! ♥ 

I will keep this short today so that everyone can have enough time to get the food on the table, and even if you are not cooking today, you are probably tired of reading long posts from me anyway! 

What are you grateful for? If you could change anything about how you were raised, what would it be? 

If you haven't already, you can fill out this form with any questions you want answered for my next ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

What I Learned: An Introspective Journey

Being on a bike for the last several months has taught me a few things both about other people and about myself and has often caused me to feel things that I don't often feel while going about my prior normal life. 

Great Basin, WY.
96 miles of nothing (no water, no people, no trees).

The first thing I learned is that I am small. Sometimes I would be out in the middle of nowhere with no people and sometimes no trees with the sun beating down on me and I would look around and think that I am literally all alone in this great big world. I did not feel lonely, or scared, but I did feel some kind of realization that I am only a small part of the universe. It is a strange feeling and it makes me think of how we can sometimes feel alone while being surrounded by people. In this case I felt alone while being alone, but the feeling of recognition of that was very similar emotionally. 

Just me and a potentially dangerous lightning storm.

In addtion to that, being on a bike makes me realize how vulnerable we humans are physically. It would take only a millisecond for a car to clip me while I was riding for me to be dead in a heartbeat. Again, although I was not frightened of this happening all of the time, and it was not something I would regularly dwell on, sometimes I would get this shock of recognition that you don't really get when you are "protected" in the metal casing of a vehicle. I actually did not really have too many close calls luckily, but still sometimes I would be riding along and would think about how soft and fragile my body really is, even though it is strong and it is taking me so far. 

I have mentioned this before, but being out in the world makes me realize how kind people really are. I was thinking about this the other day, as I was walking down the street, because I would look up at the people walking toward me and smile at them, and most of the time, they would smile back. This is something I would have not really done that much in San Francisco or Oakland. However, while riding, I often wave at cars, smile at people and have had many people do the same back, or do it first, which is so satisfying! We are all in this world together and I think we often forget that, as we go about our busy days. For some reason, being a weird looking overloaded person in a rain jacket on a bike makes people friendly toward (or feel sorry for) me, and I like it. 

Weird looking overloaded person on a bike.

Speaking of being a weird looking overloaded person, in real life, I HATE drawing attention to myself. Hate it. I will wear black, and avoid eye contact, and I don't even like to cut my hair in fear that someone will announce, HEY YOU GOT A HAIRCUT, in a group of people and then everyone's head will swivel toward me. However, I am now getting used to being stared at, or talked to by random people, or grinned at, and its not that bad. I will probably still not cut my hair very often, and I will probably turn red if many people are looking at me at the same time, but I have (kind of) gotten used to being an anomoly on a bike. 

Obviously I have learned a lot of other things, like how to ride a fully loaded bike on a single track trail, how to fix a flat on the side of the road in the dark, in the rain, on a hot day, amidst a storm of mosquitoes, how stopping for a coffee in a rainstorm can really perk up your day, how having partners in crime can be priceless, and many, many more. But these views into my inner self are sometimes so enlightening! 

Just keep following the yellow shirt!

I feel like many of you are in situations where you do hard things and it gives you perspective on yourself or your lives too. I know runners have many similar reflections, or people with demanding jobs, and I am always amazed by parents and how vulnerable they are and how they have to make hard decisions every day and I wonder how they do it. 

So tell me: what situations in your life have made you see things or realize things about yourself that you don't always take time to think about? 

I hope all of my American readers have a wonderful Thanksgiving tomorrow, and that everyone else has a great Thursday! 

If you haven't already, you can fill out this form with any questions you want answered for my next ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

The Joke Is On Me: Photocopies

You may remember my prior Joke Is On Me posts, where I recount something dumb I have done in my life. I mean, really, there are endless things, but I have only posted about a couple of them so far, like the time I forgot my ATM card when traveling abroad to a place where I needed cash. Or the time I found some super old travelers checks and the bank did not want to cash them. Well I am back to deliver yet another story of stupidity and how I got out of it in one piece. 

Let me set the backstory. It was 2005. I was working in Gainesville, Florida as a contractor to the federal government. For those of you who don't already know this, I am from California. I have a California Driver License. Okay, so now back to the story. I flew from Orlando to Ireland to meet up with a San Francisco friend and have a wonderful time exploring Ireland. As we often do, we also met up with a local friend, who lived near the Shannon airport where we were flying out of. This was the last night that we were in Ireland, and we had a blast going to bars in his little town, using the men's restroom because the line for the ladies was too long (you've all done this, right?) and visiting with him. 

Christ Church Cathedral, Dublin

At the end of the night, we responsibly took a cab home, I paid for the cab and we went to bed. The next morning, our friend took us to the airport and dropped us off and we went up to the counter to check in. At this point, I realized that I did not have my wallet. This wallet was one of those ones that is about the size of a passport and holds your passport, money and credit cards. I had ALL OF MY THINGS in this wallet, including my passport, money, license, and credit cards. Luckily, this was in the days of cell phones, but they were not smart! However, I did have my Irish friend's number and I called him and he came back and picked us back up and took us back home to search for the wallet. 

We searched everywhere, even behind and under the bed, in the sheets, in the couch cushion, even in the trash. I was frantic. In my mind I was thinking a few things. First, I am pretty religious in putting things back exactly where they belong. I am not a person who loses their keys. I am NOT a person who forgets their credit card at the bar. I am organized. Where could it be!? Second, I was already thinking of plan B. My Irish friend had to leave for work, and he did not live in a town with a consulate, and if I remember correctly, it may even have been a Sunday. I was frantically thinking about how I would get to the consulate and how I would have to rebook my flight and call work and also how at the very least, we needed to get my San Francisco friend back to the airport so she could get on the flight. 

After mulling it over, I decided to go with her and try one last ditch thing. First, she gave me some cash and one of her credit cards so I would be able to get back to the Irish friend's house, and could use the card later if needed. Second, I pulled out my plan B, which was a paper color copy document of all of my important documents. It had a copy of my passport, my driver license and all of the credit cards I had been carrying. I sent my friend off to go through security and I went up to the counter and gave the check in lady my sob story. After some hemming and hawing, she told me that she would give me my ticket, but she did not know if I would get through security or customs with no documents. 

Of course I decided to give it a shot. I went to security, got a lot of push back, but ultimately they let me through, but cautioned that I probably would not get through customs. I got to the customs desk and they also gave me pushback, and even brought in their superior, but I pleaded and finally they said that since I was leaving their country, not entering, that they would let me through and it would be up to the US whether or not they wanted to deny me entry. I was overjoyed. My armpits were sweating nervous sweat as I ran, not walked, through the airport, because, to top it all off, I could hear them announcing the doors were closing on my flight. 

I made it in the nick of time, as the doors were actually already closed, but they opened them again and let me on the flight. I sat down next to my friend and boy was she surprised!! I don't think I have ever been so thirsty in my life though, as I felt like I had run a marathon to get there. 

Cliffs of Moher (I think)

But wait, this story is not yet over! I still had to get back into the US! We got to the US and went our separate ways, and when I got to the customs desk, they said that they could not accept the paper copy. However, luckily I had my federal work ID, which I had not put in my wallet because it has a plastic protective case on it and it wouldn't fit. So I whipped that out and pleaded once again (I did a LOT of groveling over a 24 hour period), and they said yes. I had never been so happy in my life. In my mind I was wondering what would happen if they said no. Would they send me back to Ireland? And if so, would they let me in? The other thing I did while on my layover was to cancel all my credit cards. However, and I don't know how this happened, I had the foresight to keep one open so I could use it for my car rental and hotel payments. Go me! 

I arrived in Orlando and went to Avis to get my rental car. You are probably seeing where this is going. They would not accept neither the copy of my ID nor the copy of my credit card for payment. However, they said there was a smaller rental company around the corner that may take it. I went around the corner to Ma and Pa car rentals, and sure enough, they did use the copy to type in my credit card details. WHEW! I had the same issue when I checked back into my hotel for work, but luckily we had been working out of this hotel for a few months by this point and they knew me by face, so could wait until I got my new card to pay. 

So now I am in Florida with no ID, I do not live there permanently and I cannot get a new CA drivers license without being there in person. So now I am driving a rental car with no license, I cannot get a FL license without a residence, and I cannot get a CA license without going back to CA, but I don't have an ID to get on a plane with. So I thought I would go to the post office and get a new passport, because on the website it says that you can get one with a copy of your birth certificate and a government issued ID. Luckily I have my government badge for work! 

I go to the post office a week later with my items and she denies that my ID is a government issued ID, and I say to her, "lady, this is the EXACT definition of a government issued ID! I work for the government and they issued it to me" Actually I do not say that to her, I just mutter and turn red and try not to cry, but seriously, I had to go through an extensive background check, get fingerprinted and promise to give them my first born child to get this ID, and you are now telling me that it is not as good as a driver license that any monkey can get!!? And she says, "Exactly. NEXT!!" 

I am pretty much stuck at this point and I go back to my hotel to stew. A couple of weeks later, I get a call from my mother saying that she just received a package for me from Ireland. When she opens it, it is MY WALLET, fully intact, with a nice note from the cab driver telling us that he found it in the back seat. She ships it to me in Florida and all is well. Luckily I hadn't yet reported my CA driver license or passport as stolen, or that would have been another whole rigmarole. 

Okay, your turn!! What scrapes have you gotten yourself into, either while traveling or just in life, and how did you get out of them? 

If you haven't already, you can fill out this form with any questions you want answered for my next ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

Money Monday: How to Save on Taxes

Disclaimer: Tax evasion is illegal; tax avoidance is not. I am not a CPA, financial advisor or tax attorney. Please consult a professional for personal advice. 

Who doesn't want to save money on taxes? Here are a few ways we can do this! 

Health Savings Account (HSA). If you have an option to do this, it is a good idea. Why? Because you can put money in pre-tax, and invest it until you need it for medical costs. If you spend it on medical, it is tax-free on the way out too. It also rolls over, so you never lose it, and you can transfer it if you leave a job. Some jobs offer this, but even if others do not, you can still get one on your own and get a tax write off at the end of the year. For 2024, you can put up to $4,150 for singles or $8,300 for families. If you do not use it on medical by the time you are 65, you can withdraw it with no penalty for any reason, but you do have to pay tax. You can also pass it on when you die; for a spouse it will be tax free, but if it is to another, they will have to pay income tax on the proceeds. 

Who can invest in an HSA? If you have a high deductible health plan (HDHP), you can invest, even if your employer does not offer this. You can open an account at Fidelity or various other brokerages fairly easily. Once opened, you can transfer money in, and they will keep track of how far you are from the cap. 

Donations. If you donate regularly, it may be worth doing it all in one year rather than year after year, especially if that amount is higher than the standard deduction. For example, if you donate $3,000 a year, consider donating $30,000 this year and nothing for the next ten years. I know this is a lot, but it could save you money on taxes if you can afford to make a bigger contribution in one year. You can also open an investment account (called a DAF) where you can put all of the money this year and then donate a little bit each year to the charity or charities of your choice. 

The other thing you can do is donate stock. Let's say for instance you bought $1,000 worth of Nvidia ten years ago, and now it is worth over $300,000 (don't you wish?) If you sold $30,000 worth, you would have to pay capital gains taxes on somewhere around $29,900 in profits. But if you donated $30,000, you would get to write off a $30,000 donation, and you would still have $270,000 worth of NVDA. So you would kind of "save twice" on being taxed. 

Speaking of capital gains. For those of you who don't invest, there are many good reasons to do so. One of them is that you can play the system in several ways. 

Way #1: Harvest losses. You can sell any stock that has a loss and claim up to $3,000 in losses each year against your ordinary income. What does this mean? This means that if your taxable income is $50,000, by having a loss of $3,000, it brings this down to $47,000, thus lowering your taxes by roughly $1,000 if you are getting taxed 30%. You can buy the stock back after 30 days and still keep it, but you can "harvest" the loss first. Many people do this every year! 

Way #2: Step up in basis. If you have stock, like NVDA, that has gone up in price a lot, you can save this for your heirs, and when you pass it on to them, it is as if they bought it on the day of your death. This means that if your heir gets your NVDA and they sell it a day after you die, they do not have to pay any taxes on the gains. 

This is also a rule for property, so if you pass on your property to your heirs, they will also get a step up in basis, and the "price they paid" or their "cost basis" will be as of the day of your death. 

On the flip side, if you have something that has a big loss, this may be used to offset a gain you have somewhere else, so may be worth selling before you pass away rather than giving this to your heirs. Capital gains on sales net off, so if you needed some income for example, you could sell one thing with a loss and one with a gain so that you have proceeds but don't have any tax implications. Also, losses carry over, so if you sell something and get a $10,000 loss but only take $3,000 against your income, you will have $7,000 in losses left for next year (and beyond). 

Way #3: Harvest gains. If you have a stock like NVDA, and you cannot afford to pass it on to your heirs, it may make sense to wait until you are not working any more to sell it. By doing this, you don't have any (or have very little) income coming in and you can sell it little by little so that you don't get into a higher tax bracket. Also, if you make less than a certain amount (for 2024 this is $47,025 for singles and $94,050 for married people), your capital gains are taxed at 0%. So basically, if your social security is $2,000 a month ($24,000/year), as a single, you could sell enough (to have less than $23,025 in gains) to stay below the cap and you would not pay taxes on any of those gains (you will still pay tax on your SS income, but this is beyond the scope of this post). 

Last but not least, in investing, it is good to have a little of each account type (IRA/401k, Roth IRA, regular taxable brokerage account, regular savings account) so that you can make the most of them depending on your situation. Especially if you are going to stop working before 59.5 which is the age you can usually take from your retirement accounts without penalty. However, there are ways to make it all work, and to save money on taxes too by having one of each account and taking from each depending on your particular timing. 

The other thing you may not realize is that at a certain point you are required to withdraw from your retirement account (currently it is 73 but it keeps changing and is supposed to change to 75 in 2033). This is called an RMD (requirement minimum distribution); depending on how much you have in your retirement account, it may make sense to withdraw a little each year after you are 59.5 so that you are not hit by a larger amount later on. This may not be an issue, but it is worth keeping an eye on. 

Do you do any of the above things? Do you have any investment accounts? At what age do you plan on retiring? 

If you haven't already, you can fill out this form with any questions you want answered for my next ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

Ask Me Anything

Finally, a long awaited ask me anything post. I still have a few questions that were asked at the start of my bike trip, so I will start with those and then move on to more recent ones in a later post! 

NGS asked: How did you plan all this? Fiscally? The route? I have a post here about the route planning. As far as fiscally, if someone wants me to write a long post about this, I can, but the TLDR is that I have been saving and investing for years in order to be able to be financially independent. I have a monthly budget and this year is a bit of a test to see how much I will actually spend (you can see posts here about how much I have spent so far). 

What is your goal with this trip? What do you want to learn about yourself? Or see? Or do? Like most travel, my goal is to see and learn about any and all new things. For the biking specifically, aside from seeing new places, I did want to challenge myself physically and mentally to see if I could do it. I thought that I could, but it is always interesting to see what hidden strengths you have. 

Give me all the bike specs. What bike? What wheels/tires? My bike is a Marin Bobcat Trail 3 (hence the name Bob) aluminum hardtail mountain bike and I am riding with 29" 2.4" wide tires. 

What sort of emergency repair kit do you have with you? How are you packing it? What are your supplies? I covered this here. 

Bob goes to Niagara Falls

Nicole asked:  How old are you? Have you always been a swinging single girl? I answered that here. 

Do you have a favourite European spot? How about Asian? I hate this question, but only because it's like picking a favorite kid. Each place I go has something that I like and some things that I don't. I love France, Greece and Italy for the food, Austria and Switzerland (and Italy and France) for the mountains, and Albania for the hidden gem aspect (beaches, mountains, food, people!). However, I think if you are looking for an all-in-one, Slovenia is a great place to go. As for Asia, I have a soft spot for Thailand, as it was my first foray into that part of the world and the food, beaches, culture and people are lovely! But seriously, I can find something I love about every place I have been to (even India, which had a few struggles for sure). 

Venice

Hong Kong

Stephany asked: Do you know what your enneagram number is? I think it is one, but I have only ever taken one free test and they wanted me to pay for more info, and I didn't want to. However, I do think one describes me pretty well. The Rational, Idealistic Type: Principled, Purposeful, Self-Controlled, and Perfectionistic. Um, yup. If you know me and you read this, you will be nodding your head a lot! 

If you were to describe yourself in 3 words, what would they be? I think that the enneagram one described me pretty well. But seriously I would say I am adventurous, organized and impatient. :)  

What's one of your unpopular opinions? I like to type words out in texts and don't really love it when people type "c u" for "see you" or "l8" for "late" or don't capitalize or use punctuation. I also don't use acronyms or emojis very much. I like words, whole words, spelled properly. I won't hate you if you do it, but personally, I just don't do it very much. (As a side note, I was told by a millenial once that if you put a period at the end of your sentence in a text, it is seen as aggressive. Ha! I guess I am really aggressive then!) 

I also don't like being expected to respond right away. I had a boss who would call me two minutes after an email came through asking me to opine, and it would be something that would require thought or complex calcuations and/or a thoughtful answer! He also would text or send a chat to me in the evening (after work hours) and expect an instant response. I actually started purposefully waiting until the next day, or a few hours later to answer (PS I am not totally passive aggressive; I had already talked to him several times about managing his expectations). 

Do you have any fears about your trip? Even though it is now nearly over, I would say that I did not have any fears going in. I was a bit wary of having to figure out routes all the time, but was not afraid that I would not be able to do it. I know that I can do anything I put my mind to, even if it may not be fun sometimes. 

I think that is enough for now! Stay tuned for the next one! 

Your turn! What is your enneagram number and do you think it describes you well? What is your favorite European/Asian destination and why?  What is is one of your unpopular opinions? 

If you haven't already, you can fill out this form with any questions you want answered for my next ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

Gift Ideas For Nomads

Last year, I did a post on gift ideas for active people, and now I am back with another edition of gift ideas, but this time it will be for people who travel a lot! Some of these are things I already own, while others are ones that I have researched a lot and will probably buy soon eventually! I will mark the ones I own with a asterisk below. P.S. there are a few things on the active list that are also good for travelers, like a fanny pack, my favorite Patagonia windbreaker, or Goodr sunglasses, but here are a few more ideas! 

Even travelers love chocolate dipped strawberries!

Merino wool ($20-$150+).* Whether it's these socks ($20), or something more expensive like a shirt ($75), your nomad friend will appreciate the lightweight, quick drying and less smelly item. I have tried Smartwool and Icebreakers and they are a little on the thin side, but definitely dry fast and don't stink, and there are other brands like Ibex or Unbound that may be a little thicker and make things that are not as geared toward active people. Also, I have heard great things about merino underwear and bras, but have never tried them myself. 

Osprey Collapsible backpack ($41). I usually just carry a Chico bag with me, but having a backpack for day hikes and such would probably be a better idea. I have done a lot of research and this Osprey version has gotten good reviews! I have also had Osprey packs in the past and they hold up well. 

Universal travel adapter. ($20) I have one of these that is just the plugs only (no USB ports) and I love it but I am constantly having to swap things when charging, or get one of these multi charging blocks (which I do have and use) which starts to get redundant and bulky!! If your nomad does not travel internationally though, the charging block is golden. With this one you can also charge one computer with a plug (or other three pronged items) and all of your USB items at the same time!  

Lightning charging cable with adapter. ($23) Again, cutting down on cords and accessories is very helpful! I currently still have a few things with a USB-mini, so this cord would not help with that, but it is good for any USB-A or USB-C (or old iPhone) charging! You can also get ones that are just USB-C and USB-A if that is more your jam. 

Ankor power bank.* ($59) This one has 20,000 mAh of charging capabilities, which will charge your phone approximately 5-6 times. I find that even if I am traveling in a place where there is electricity (aka not camping) this comes in very handy. The one I have linked is their newest one, which is an improvement on mine, as it has a built in USB-C, three ports, including one USB-C, and a monitor on the front so you know how much power you have left. Even if you are traveling in the car with your family, this can be a great way to have extra power if you are all trying to charge at the same time. 

Laundry detergent sheets.* ($12) If you are on the road for a while, these are great. They don't take up space in your bag, or use up your liquids quota and they are better for the environment. I actually use these in real life too. Pro tip: you can rip them in half and just use half and it is enough for most loads. 

One bag travel backpack by TomToc (40L). ($80) I have read a lot of reviews for which bag is best and is also carry-on eligible for most flights. Some European carriers have very strict rules, and a lot of the bags that will comply are super expensive! The TomToc seems the best bang for the buck, but if you want to spend more the Osprey Farpoint ($135) and the Tortuga Backpack Pro ($350) get really good reviews. 

Do you have any good gift ideas for travelers? Do you own or use any of the above items? What kind of carry on do you use when traveling? 

If you haven't already, you can fill out this form with any questions you want answered for my upcoming ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

Be My Guest

For those of you who don't know, I used to do a lot of photography. Of course, this was back when camera phones were not really a thing. Now I still do a lot, but so does everyone else! And what do we all do with all of these photos? Well, except for the few AI things I have been playing around with for fun, all photos on this blog are taken by yours truly! 

I am excited to say that yesterday I was featured on the Viewfinder website! You can find my post here! Please go and check it out and come back and let me know what you think! 

Lest you think I am using this as a cop out for posting today, I will leave you with the following five places I would go back to, in photo form. These are in no particular order, and are "including but not limited to!" 

Patagonia

Maine

Croatia

South Africa

Nepal

Have you been to any of the places I have mentioned? Do you like taking photographs? What places that you have been to would you return to? 

If you haven't already, you can fill out this form with any questions you want answered for my upcoming ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

Keeping Tabs

Disclaimer: this is not a sponsored post for Google. However, I do use a shit ton (official measurement) of Google products because they work for me! Please use at your own discretion and I will not be held liable for any issues you may have in the present or future due to reading this post. Also Google, if you are reading, I would not mind if you sent me free stuff. Thanks. 

I have a confession to make. I am a hoarder. A Google Chrome tab hoarder. I have a set of ten tabs that I open on startup (or keep open if I am just putting my laptop to sleep) that I always keep open. Due to this, if I am researching something, I can often have twenty tabs open, since I have my normal ten plus whatever ones I am opening along the way. Right now I have these ten plus two others that I am using to look stuff up as I write this post. 

I can feel my work buddy (G-Money the Kiwi) and my hiking buddy (Bugsy) both rolling their eyes at me as they are both inbox zero types of guys. Get this, G-Money even deletes his text messages once he reads them. Yes, deletes the entire string! So sometimes I will send him something and he will ask about it later and I will tell him that he should already have it and he will say that he already deleted the string. Sigh. However, I probably go way too far the other way, and have never deleted a string since the day the dinosaurs walked the earth, or at least as long as we have been able to port texts over to a new phone when we switch (again, thanks to Google!) Also, in my defense, I am a super sleuth at finding the info I need within these old texts, so it is not all in vain! 

As a side note, if you don't already do this, you can set up your Chrome to always open the same tabs upon startup. It can done by opening the tabs that you want to have be your defaults --> going to settings --> on startup --> open a specific page or set of pages --> use current pages. Or you can manually add addresses by clicking --> add a new page. 

I am also a bookmark hoarder. I am guilty of having way too many bookmarks saved that I probably will never return to. I think I feel like I will want them later and then something new comes along (squirrel!!) and I use that information instead. However, I have found that the Chrome Reading List really helps me to cut down on this, as you can put it on the list and then once you read it, mark it as read and then you can dismiss it. 

In my defense though, I do sometimes dislike the attitude that instead of saving things in an organized way, we can just look them up again, essentially doing the same steps over and over that we have already done (definition of insanity?), which can sometimes be a waste of time. Again, I do feel like I have organized them so I can find them easily; however, in some cases it may just be faster to look them up a second time. Also, I do have a favorite pizza dough recipe that I have made dozens of times, so some things are worth saving. 

Side note: you can find the reading list under --> more (three dots) --> bookmarks and lists --> reading list. If you then click reading list, it will open a side tab, where you can click --> add current tab (#3) to add the tab you want. Alternatively, and I would suggest this, you can click --> the pin button (#1), which will pin the shortcut to your browser (#2), and then you can close the side tab and only open it using the shortcut when you want to add a tab. 

I feel like this is similar to the "one touch" principal of decluttering; rather than moving something to a new place and then going through it again at some point in the future, we are supposed to decide right away and just put the thing where it needs to be (the trash, goodwill etc.) So with my bookmarks, should I take notes? Take the info that I need from them and then close the tab? I probably should, as my return rate is probably below 50%. However, it only takes a click to save it, so what do I have to lose? I guess there is a point of intersection where brain power and efficiency are optimal, and then you can go way too far over to one end or the other otherwise. 

Since this is a Google oriented post, I will also say that of my ten saved tabs, eight of them are Google related. You want to know what they are, you say? Okay here we go! 

Feedly: Blog reader (non-Google). Fun fact: Feedly actually used to be part of Google Reader. Does anyone remember that? 

Gmail x 2: Need I say more? Actually, a side note: when I got my first Gmail address, you had to request an invitation! Does anyone remember that? 

Google Calendar: This I use for calendar, tasks and contacts (which can also be accessed on the Gmail tab). 

Google Maps: I use this every day, multiple times per day. This is also probably one of the top ten apps I use on my phone. 

Google Messenger: This is the texting app on my phone, which can also be used from my computer. I find if I am sitting at the computer anyway, it is much easier to answer texts with a keyboard. 

Google Keep: Notes, lists, ideas, thoughts... Also used multiple times a day and often on my phone when I am in the middle of something and have a thought. This can also be shared with other people when planning a shopping or a camping trip etc. 

Blogger: Blog creator. This is probably the least used tab, as I only post once a week, so I may use it twice a week(*obviously not at the moment). However, it is nice to have it at hand for when I get ideas and often I will just start a draft with some notes and then come back to it later. 

YouTube: I use this a lot for research. In fact, I almost never use it for entertainment, unless you call watching travel destination videos entertainment, which I guess you could. However, I am mostly doing it to find out the answer to something. 

ChatGPT: This is a new addition, and my second non-Google tab. I don't use this very often (despite all of my posts about this recently). I do also sometimes use Gemini (which is a Google AI platform) to create images (like the Canadian Thanksgiving Beaver or the cat at the top of this post). 

A runner up and one I don't have pinned is Google Photos, which I not only use to look at photos, but sometimes to remember certain trips or times. Often when I am doing a travel recap, I will go back and look at my photos and/or GPX (map) files to remember dates, names, places etc. Also, if you have your location enabled, you can see all of the photos you have taken on a map, which can be quite handy. Wow, making this list really makes me see how much of the Google Kool-Aid I have drunk! Bottoms up! 

Are you a Google user? Do you keep any tabs open all of the time? What method do you use for bookmarking or saving things to read or use later? 

If you haven't already, you can fill out this form with any questions you want answered for my upcoming ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

What I Learned

San Francisco Bay

Have you ever taken a flight that has been canceled? I am sure many of us have. Well, this happened to me in September of 2022 and I learned something on this trip that I am going to share with you. First, spoiler alert, I got cash for my troubles! The bad news is that I did not know the rules, and the same thing happened to me in 2019 and I did not get any reimbursement. 

In 2022, I flew from the US to Amsterdam, had a long layover in Amsterdam and then had a flight scheduled from there to Vienna. I was flying Austrian Airlines, and when I went back to the airport to catch my flight to Vienna, we sat for a while before finally getting on the plane, and then once on the plane, sat again, and then finally they deboarded us and sent us on our way. It was very confusing for me, as in the US, when this happens, we normally get in a long line at the airline counter to rebook our flight. 

In Europe, there are a few different rules about flights. First of all, instead of going to stand in a line to rebook once our flight cancellation was announced, they send you an email with your new flight details. Although this saved us waiting in line, it was a little bit of a pain to not have any control over the new flight and my new flight was scheduled for 6 am the next day AND had a layover in Dusseldorf, so would not get me to Vienna until later in the day (and I still had to get from Vienna to Maribor, Slovenia after that, but that is a story for another day). 

The second thing that they did was they automatically booked us into a hotel, so once we figured out what the heck was happening, we took a bus to the Sofitel near the airport, where many of my other flight mates were staying. When we got there, we just told the hotel our name and voila, we had a room. I did not get checked in until about 1:00 am however, as the bus to the hotel had taken a while to get to us. So 4:00 am the next day came fast! 

Long story short, I got to where I needed to go. However, once I got home, I emailed Austrian and told them that I would like to have my ticket refunded and also get reimbursed for the hotel that I had booked in Vienna and never used. They actually came back to me pretty quickly and asked for more info, which I sent them, and then they said it would take a couple of months to process. They kept following up with me when the couple of months had passed, but I did finally get a credit of €250.00 in the end, which I was happy enough with. 

I thought I was just really good at negotiating, but I found out afterwards that there is a rule in Europe (EU261). You can read all about it here, but basically if your flight is canceled, depending on how many kilometers/miles it was, you are entitled to compensation. FYI, they usually will NOT advertise this, and you have to request it! So if I had not emailed them, they probably would have never said anything! Here is the breakdown: 

Up to 1,500 km (930 miles) --> €250.00 

1,500 km to 3,500 (2,170 miles ) --> €400.00 

more than 3,500 km -->  €600.00 

You have three years in most cases to claim this under rule EU261, so think back and if you have a flight that was going to, from or within Europe, you may be owed money. Just as a side note, in the US, it may be worth emailing them too if your flight ever gets canceled, as I have gotten some money back by doing this too (as well as a hotel room and a meal usually). It does not hurt to ask!

Have you ever had a flight canceled? If so, what did you do? Have you heard about this rule? 

If you haven't already, you can fill out this form with any questions you want answered for my upcoming ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

Future Travel Plans

2024 is almost over, and it has been an interesting year! To update you all, I am pretty much done with my bike ride across the US and Canada. I will probably have a few fun rides (day rides with no gear) and maybe a few more rides as transportation, but otherwise Bob and I are taking a small break. I am currently doing some housesitting and exploring some US cities before going home for the holidays. 

After the holidays, I will head to Europe and I have figured out part of my plans for the first couple of quarters! Here are some of the places where I will definitely be going in the first quarter: 

Frankfurt, Germany

Heidelberg, Germany

Strasbourg, France

Dijon, France

Lyon, France

Krakow, Poland

Amsterdam, Netherlands

Brussels, Belgium

Seville, Spain

Cordoba, Spain

Malaga, Spain

Here are possibilities for the second quarter: 

Istanbul, Türkiye

Cappadocia, Türkiye

Antalya, Türkiye

Fethiye, Türkiye

(Lycian way hike)

Tbilisi, Georgia

Istanbul

Bosnia and Herzegovina

Albania

Montenegro

Kosovo

(Peaks of the Balkans hike)

Albania & Montenegro

Just as a side note, for those who are unaware, as Americans we can only stay 90 days in the Schengen zone out of every 180 days. What is the Schengen zone? It is a unified zone comprised of most of the western European countries, and some of the eastern ones. It does not include Ireland, the UK, Cypress, Serbia, Montenegro, Albania, Kosovo, Macedonia, Bosnia and Herzegovina or most of the countries east of Romania/Poland. Here is a map. 

So if you are going to be in the Europe area for a long time, you have to get out of the Schengen zone after 90 days and go to one of the other countries for at least 90 days before coming back. If you default on this you may not be let back in the next time! 

If you have been to any of these places, do you have any suggestions? I lived in Istanbul, but may go for a refresher, plus the grand bazaar has THE BEST roasted pistachios. I have also been to Albania (Tirana, Sarada, Durmi) and Montenegro (Durmitor, Podgorica, Kotor) before, but would like to go back for further exploration. 

If you have not been to any of the above, are there any other European places that have sparked your interest, and if so, why? 

If you haven't already, you can fill out this form with any questions you want answered for my upcoming ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

Money Monday: By The Numbers: October

Finally, things have simmered down enough and it is time for my monthly spending recap, along with a few other random stats! For the month of October, my bike trip was slightly winding down, and I spent a lot more time visiting and housesitting than I did riding. All of the below numbers are as of October 31, 2024. 

Montreal bike (they were everywhere!)

Mileage To Date:

Total Days on the Road: 222

Total Days Ridden: 153

Days Ridden in October: 10

Total Miles Ridden: 8,540

Average Miles Per Day Ridden: 55.8 (vs 56.57 as of Sept 30)

Max miles per day: 101

Accommodation To Date: 

Airbnb: 12

Established Camp: 35

Friend: 36

Housesitting: 18

Motel: 69

Warm Showers: 9

Wild Camp: 40

Train: 3

Total Days: 222

Total average cost per day: $39

Verdict: Although October involved a lot of housesitting and stays with friends, the motels were more expensive than normal and there was no wild camping. This only brought the average per day down from $40 to $39. 

Total Cost: October

*Please note that I eradicated my travel category since basically all my costs are what I would have categorized in travel before. 

Accommodation: $1,106 (↓ from September by $15!) Includes any place where I rested my head for the night. In October this included housesitting (13), Motel (9), Friend (5), Airbnb (2), Established Camping (1) and Train (1). 

Dining Out: $174 (↓ from September) Includes coffee, ice cream shops, snacks and meals at a restaurant, including bakeries and the train canteen. This was down about 30% from the average for this trip. This is likely due to the fact that I was not on the move as much so could plan my groceries and meals out better. However, I did go out and get food in Montreal and Quebec a few times, and went out with Elisabeth! I feel like this was more quality than quantity though. 

Groceries: $254 (↓ from September) Includes food and snacks from a grocery or convenience store. This is down about 20% from the average for this trip. This is likely due to the fact that by housesitting or staying with friends, I tend to be able to shop less often so can stock up on more things. 

Health: $234 (same - insurance premium) Includes my health insurance and any costs for health care (which I have luckily not had!!!). I expect to go for my colonoscopy procedure in the next six months and it will be interesting to see what the out of pocket is for that with my new insurance plan. (by interesting, I mean please don't hold your breath!) 

Misc.: $33 (↑ from September) Includes CFA membership, shipping, gifts, personal care (as you can see, there is not much of that happening)

Shopping: $4 (↓ from September) Includes costs associated with cycling maintenance, cycling gear, running and camping gear and other clothing or toiletries. The $255 average for this trip is mainly because I've spent about $1,100 on bike maintenance, which equates for about 62% of this category. Luckily in October, I barely spent anything! Bob sure is high maintenance! (*Dad joke)

Transportation: $169 (↓ from September) Included one flight for me and Bob and a couple of local bus and train rides in Montreal and Quebec. Why is it so low, you ask!? I used points for a lot of this, which I talked about in my last Money Monday post! 

Utilities: $232 (↓ from September) Includes a monthly breakdown for the following, even though some of them are charged only once per year: phone, Garmin charges, subscriptions, credit card fees and internet security (NordVPN). 

Total Spent: $2,205 (↓ 20% from average and ↓ 27% from September)

Verdict: Pretty much all categories went down from September and most were lower than the average for the trip. I am still trying to figure out what I should target for my budget for next year, but I am thinking that $2,500 a month may be a good number to start with. I do think that there will be a couple of things that I will need to upgrade next year (for example, my normal travel backpack is from the 90s!) but hopefully they will not cost more than the cost of bike maintenance, so it will even out. 

This brings to total spent for seven months to $18,407 or approximately $2,600 per month. The highest month is still the Tour Divide (July) and the lowest is April with October coming in second lowest.

Verdict: Being on the move more or trying to go faster equals more expensive for the most part. Being able to slow down and buy things in larger quantities and stay in one place for a week really does make a difference. 

To end this number heavy post, here are a few non-cycling related stats! 

Favorite Ice Cream: The Real Scoop in Wolfville. 

Favorite New Town: Wolfville, although Mahone Bay was pretty dang cute

Favorite New Water Related Venue: Hubbards Bay or Blomidon

Favorite Food Item: I really loved the family dinners at Elisabeth's house! However, I had a blast getting a loaded poutine at La Banquise in Montreal. Was it touristy? 100% yes. However, it was still a lot of fun and it was very filling! 

Favorite Book: God of the Woods. I will be doing a post about what I read later, or you can find my list on my Goodreads page here! 

Okay it's your turn!! Have you read God of the Woods? What was the best (or worst) thing you spent money on in October? What month is normally your highest spending month? 

If you haven't already, you can fill out this form with any questions you want answered for my upcoming ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

Never Have I Ever

Never have I ever: 

* Milked a cow

But I have milked a goat!

* Eaten or been to Chick-Fil-A (PS one of my pet peeves is when people spell things wrong to be cute. This is not why I have never eaten there though!)

* Read Fifty Shades of Grey

* Seen Top Gun (either version)

* Been to the states of Arkansas, Delaware, North Dakota, Ohio, South Carolina, South Dakota or West Virginia (layovers on the plane don't count)

* Been to the continent of Antarctica

* Ridden a mechanical bull

* Brushed a dog's teeth

I've helped clip this one's toenails!

* Ridden on a scooter (motorized or non)

* Had kids

Volunteering at Bolivian orphanage

* Used one of the shared rental scooters, bikes, etc. in any city

* Had a gerbil, Guinea pig or hamster as a pet

I have had a lot of cats

* Put the toilet paper roll on upside down (flap goes over every time)

Which of these have you done (drink!)? And what things have you never done? 

If you haven't already, you can fill out this form with any questions you want answered for my upcoming ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here.