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. 

Rabbit Hole

The other day I was working on a post about things I never do and I was wondering, what DO people do that I have never done? So I googled, "what is a common thing for US people to do?" and this is what the AI blurb at the top of my search spit out, along with my comments. The answers did not really help me with my post, but it was amusing all the same. 

Here are some common things that people in the United States do:

Work: Americans tend to work long hours, often starting before 9 AM and ending before 6 PM. Many Americans start working at a young age and take relatively few vacations. [Me: Is this really what we are known for? Relatively few vacations? FYI, at my last job, I got five weeks off every year, and I always took all of them!]

 

Eat out: Americans often eat out or order takeout for convenience and time. They also enjoy eating out for fun. [I suppose this is true to a certain extent, especially the fun part, although I just checked my spending report and even when I am on the road, like now, I don't eat out a ton. In October, I went for lunch 4 times, dinner 3 times and ice cream 1 time.]

Lunch out with Elisabeth

Value time: Americans value time and convenience, and often celebrate busyness and lack of leisure. [I do think this is true, and am actually struggling with this a bit right now, as I feel like people may think that because I am not working, I am lazy and/or not busy, aka not productive, aka lazy.]

 

Follow sports: Many Americans enjoy watching and following sports, especially football, baseball, and basketball. [I do not fit in this group very much, but do feel like a lot of people do love watching sports, especially football. Those fans are INTENSE.]

 

Practice small talk: Americans often engage in small talk, which is making conversation with strangers or acquaintances about non-controversial topics. [This one seems odd; are other cultures not known for small talk? Are Americans engaging in more small talk than other cultures? As you know, I am not a huge fan of small talk.]

 

Be independent: Americans value the idea of being self-sufficient. Many American kids and teenagers leave home for extended periods of time. [I do know that in many cultures it is normal to live at  home for a long time, or have multiple generations under one roof, so in contrast to them, I do think Americans are seen to be kicking the kids out early. Also my parents definitely taught me to be self sufficient.]

 

Respect differences: Americans generally practice political correctness and respect other cultures and people's differences. [Hmmm.. not so sure about this one, AI!]

 

Use red cups: Americans often use red cups to drink alcohol out of. [THIS ONE CRACKED ME UP! I mean, what algorithm caused it to put this on top of other things? I have drunk out of a red cup, but I do not think this is a top ten defining characteristic of Americans!]

 

Celebrate holidays: Americans celebrate holidays like Halloween and Black Friday. [What about Christmas!? And Thanksgiving? Plus, is Black Friday now a holiday? My critique to AI: needs work!]

Which of these do you think AI got right, and which are just weird? And which do you think should be added? For my non-US readers, what do you think of when you think of Americans (don't be shy, I know we are known for being loud in a crowd!)? 

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. 

The Perks of Being a Swinging Single Gal

When I did a call out for questions back in April (and yes, I will get to them all soon!) Nicole asked me how old I was, and if I was always a "swinging single gal." Recently Coco asked me if I had any kids. I thought I would answer all of these questions at the same time and also give you one of my favorite things...a list! Stay tuned! 

I was born in 1978; in this year Jimmy Carter was the president of the US, homebrewing became legal in the US, sparking the craft beer movement, the movie Grease was released, the first baby was born using in vitro fertilization and the Jonestown Massacre happened. 

I have not always been a swinging single gal! I have had a series of wonderful men in my life, including everyone's favorite, Mr. Lovely, who was with me during my last Round The World trip! However, nobody has stuck, much to Moogie's disappointment (that is my Mom), as she would have loved to have grandkids. So Coco, I guess that answers your question too. No kids, that I know of. Also my brother has no kids, and there are only the two of us. Sorry Mom. 

However, just like I mentioned in my post about traveling solo, there are some perks to living solo too! Here are a few of my favorites. 

* I can eat yogurt, cottage cheese and ice cream straight from the container. Who needs to wash another a bowl? Not me. This is something that I would not do if there were other people around. First of all, I would be dipping my spoon into a shared item, which I don't think is kosher. Secondly, I would kind of feel like a piggy, eating ice cream right out of the container. Third, and Elisabeth would hate this because she hates crumbs, I often eat yogurt with granola and I just dump it in and go for it and I MAY leave a crumb or two in there, which is also not nice when you are sharing. Side note, I did eat ice cream out of the container in front of Phil and Lisa, which is probably because Phil was doing it too and we each had our own container. I can get on board with that! Sorry Lisa! 

Mine, all mine!! (insert evil laugh here)

* Easy dinner planning. If I want to have a bowl of corn and a bowl of ice cream for dinner, I do. There is absolutely zero stress in my life about what to make for dinner, or any meals for that matter. I am happy to have chicken and rice all week and don't have to worry about someone being unhappy. 

Dinner: ham and cheese roll ups

* Things are exactly where I left them. You may think this means that I want to leave stuff everywhere without being judged, but it is actually the opposite. I want to tidy up and come back to the same tidiness. I want to have a place for the scissors and find them there when I open the drawer. I do not want to waste time searching for things that were misplaced. 

* I am nobody's mother. I once had a partner who would leave empty beer bottles in the living room, even though he had to go into the kitchen right past the recycling bin in order to get another beer. I know I should have just let him do his thing but I couldn't wrap my mind around it, and it often annoyed the crap out of me. I mean, they would pile up, and then he would go to bed. Any time I asked him, he would say that he was going to get to it "later", but later never came. 

Our OG local brewery.
They've been around since before craft beer was cool!

* I don't have to deal with family drama. I have enough of my own thanks. Having to figure out where to go for Thanksgiving every year gets to be old. I mean, it's the same day every year; can't we just made a plan now for the next 40 years and save having to discuss it over and over and over again, and people still getting their feelings hurt when its not at their family's house? 

Hello dinner!

Also, one guy I dated was such a Mama's boy. He used to get drunk and then he would either talk endlessly about his mother and how great she was or he would call her so that she could stroke his ego and he could complain about all the ways the world was doing him wrong. I love my mother, but a certain amount of independence is warranted. 

* Planning. If I see a cheap flight to Timbuktu and I want to go there, I do it. This is not about being selfish, but if I ask a person in a couple to come with me, they inevitably have to ask the partner, then they may have to negotiate with the partner, or maybe the partner doesn't want to come, or maybe they do, and either one can be a pain, and by the time they decide the cheap flight is gone. I remember one time K and I were going to go to Honduras, but all of a sudden her boyfriend decided that it was "too dangerous" (based on whatever he had seen in the news) and he did not want her to go there. We had to rejigger our plans, and (funny enough) ended up going to Panama, which apparently in his mind was okay. 

Panama Canal

* Mornings. I love my quiet mornings, and when they are over, I like hanging out with the world. I once dated a guy who would get up with me, before work, at 3 am, so he could talk to me while I got ready. This did not work for me, as he would literally follow me around, and I was missing out on my morning routine. I need it. I finally talked to him, but it was stressing me out to choose between no morning time and having to have a conversation about it and/or hurting his feelings. 

My favorite time of day.

As a bonus, here are three things that are not always great about being solo. 

* Paying twice as much for everything. It is definitely more economical to share costs for certain things. Did you know that if you want to take a cruise for example, you still have to pay for the whole room, basically two times as much per person! 

* Lacking a second opinion. This can go both ways, but sometimes it is nice to have someone to suggest things to do so you don't have to plan everything. 

* Games. I love playing games and it is nice to have a buddy to play with. Thank goodness for the Rummikub app! Want to play? If so, drop me a line!

Okay people, your turn! Whether you are single or partnered, tell me what your favorite and least favorite parts about your current status are. Have you ever dated a Mama's boy (or Daddy's girl) and if so, how did you (or how do you still) handle it? 

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.

Bikepacking Route Planning

NGS asked me to really break down (into the nitty gritty, I think she said) the logistics for my trip. Since route planning is one of the things that takes the most time, I will start with that. Route planning is kind of a three step process: (1) prior to leaving, (2) weekly check ins/general routes (3) daily/last minute updates. 

(1) Prior to leaving. Before I left on my trip, I started by figuring out a general idea of how I wanted to do this. You would think it would be very calculated, but really for me, it went something like this. First, I knew that I wanted to do the Great Divide Mountain Bike Route, which goes from Banff, Canada to Antelope Wells, NM (the Mexico border). However, instead of going "straight" there, which may have taken me through Nevada and Idaho before getting to Canada, I decided to visit some friends along the way. I also had winter to contend with so knew that I could not really go anywhere where it was still quite high in elevation or high in latitude. For this reason, I decided to stay near the west coast for a while, where it would hopefully be warmer. I also knew that when possible, I wanted to go on dirt instead of highways. 

To find routes, I used a combination of Bikepacking.com, other bikepacking websites and blogs, Komoot and Google Maps. Bikepacking.com has prearranged routes, with descriptions and maps that you can download. I chose to do the Oregon Outback through Oregon and the BC Epic 1000 from Hope, BC to Fernie, BC. To connect the two, I chose to use some of the BC portion of the Great Northern Bikepacking Route and then the Great Divide Mountain Bike Route from there. Then I used Komoot and Google Maps to fill in the gaps. 

For both of the above, they have maps that are usually made with the Ride With GPS site, and can be downloaded and/or exported to your navigation device. I have a Garmin Edge and so I then export the route to the Garmin for use on the road. You can also edit the routes on Ride With GPS, but I normally do my editing in Komoot. 

The Garmin Edge is like any other GPS navigation tool; it will tell you when to turn, how far you have gone, how fast you are going and what your elevation is etc. It also has a hill feature, where it will tell you data on each hill: how far it is from you, how long it is, and when you are on the actual hill, it will show an elevation profile. This is probably my least favorite aspect as it generally means I am struggling, but it is handy. 

Regular mileage/data screen

Turn by turn

Hills! Dark red is my enemy!

Komoot is like Google Maps, but it has options for dirt, gravel or road, and can also be used for hiking for the same reason. With this, you put in your start and end and then choose your method (road biking, mountain biking, gravel, touring) and it will figure out the best route for you. This needs to be taken with a grain of salt, as it often will take you on private or closed roads, or will go off the main route to get a more scenic route, which often results in more hills or more turns. However, it is a good start. Once the route is complete, you can save it offline into your phone, and/or you can export it to a navigation device. Note, this will also tell you your elevation gain and loss, total miles, time it will take, surfaces and way types along with an elevation profile. 

Google Maps was mostly used to look at city routes and to compare with the route that Komoot came up with to see if they or where they differ. However, I cannot export the Google Map to my Garmin, so before leaving, it was used more as a fact checker than anything else. So basically, before I left, I had the maps for my trip all the way to Antelope Wells, NM and I figured I would sort the rest out later. 

(2) Weekly check ins. As you already know, right from the get go, the snow caused me to have to change my route from California, as I had planned on going up and over some 6,500 foot mountains, but ended up having to take the lower, more flat, more road heavy route. This happened later a few times as well. What do I do in this case? I edit my existing Komoot maps, by doing a "save as" and I resave the existing route with a different name and then edit that accordingly. For example, my first iteration was Grass Valley to Klamath Falls via mountain, then the next was GV to KF via road, then the next one was GV to Redding via road! Every time I get into service and have a room, I double check the routes and the weather and update the route accordingly and re-export it to my Garmin.

Sometimes I can find a route someone else has already made on Ride With GPS and then I just use their map. For example, in BC I was going to do the BC Epic 1000 route, which goes over Gray Creek Pass. When I was in Vancouver, I posted on the BC Epic1000 FB group to see if people thought I would be able to get through and/or to get any intel on snow conditions, and I was told that I likely would not get through, so I searched on RWGPS for Gray Creek alternate, and found a map going around on a lower route. I downloaded that, exported it to my Garmin and I was ready to go. 

(3) Daily/Last Minute Updates. This does not happen a lot, but sometimes there is construction, or snow where I did not know there would be snow, or a road is closed and/or private. In this case, if I have service, I can make a new map and it will sync with my Garmin. If I am out of service, I just have to keep looking at the map, which is saved offline on my phone, in order to figure out where I may be able to go. I also always download all of my Google Maps to be offline in case this happens and even though I cannot use the biking directions when I am offline, I can at least see which route a car would take and how many miles/km it is to my destination. 

I also have to check the route every few days depending on what the accommodation options are. If I am in a national forest, this is easy, as I can generally camp wherever I want. If I am in civilization, often my daily mileage is decided by where the next place to stay is. I try to figure this out every few days so I am not doing back to back long days with no services in between. I also like to have a room at least once per week; otherwise I get cranky and hungry and stinky, so I may prepare my route to do a long day today so that I can have a short day of riding and a long day in town tomorrow. 

I know that is a lot, so here is the TLDR (at the end!) 

Bikepacking.com: tried and true pre-made routes (usually multi-day & more off road)
Ride with GPS: GPS routes that anyone can put online (may need verification) / can make own route 

Komoot: GPS routes that anyone can put online (may need verification) / can make own route

Google Maps: best for towns/roads/use offline for general area

Alternative tried and true sites: Great Northern Bikepacking, Bikepacking Roots, Adventure Cycling Association (fee required). 

Alternative mapping tool: Gaia GPS

What route planning tools do you use for your hikes/runs/bike rides/road trips? If you are going for multiple days, do you always plan out every day beforehand or do you have some days that are ad hoc? 

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. P.S. This is a draft I started in September 2024! I am clearing off the dust here! 

What I Learned

I know I talked about technology last week, but I have recently been shopping for a new laptop and I went down the rabbit hole trying to decide which one to buy so I have some things to share so that you don't have to do the same thing. I have only ever purchased one laptop in my life. It is the one I am using now, and I bought it in 2015 and I spent what I considered too much on it. The reason for this is that my boss, who is very impetuous about some things and liked to treat his family to nice things, told me that he was not going to give me a bonus unless I spent it on something "frivolous." I think he meant a fun trip or a nice hotel room or something, because when I showed him the receipt, he told me that my purchase was too practical. I am practical, but I spent nearly double on it than what I would have spent otherwise, so it was a splurge! Anyway, this has worked out, as I am still using this computer 10 years later, and it is still going strong. (PS many of the computers I looked at are well over what I paid 10 years ago! Sigh, inflation sucks). I cacluated that based on the amount of time that I have used it, it has cost me $0.27/day, well under the $1 per use rule!!

So why am I buying a new laptop? My current one is good for using the internet and word documents and things, but last year I bought a GoPro so that I could take some videos of my cycling and hiking adventures. This was great and the photo quality is excellent. However, it is so excellent that my poor old laptop does not have enough oomph to watch the videos. I will get into the details now. 

What does "oomph" mean? It means several things, and I will tell you now. There are three important things to look at, CPU, GPU and RAM. An honorable mention is disk space, but this is not as important as the first three. 

CPU (Central Processing Unit). Example: 14th Gen Intel Core i9-14900HX You have probably heard of Intel or AMD, and you probably have a little sticker on your new laptop that looks like this (or if you have a Mac, it may be ARM). 

What does this do, why is it important and what do all the numbers and letters mean? This processes data, and is often referred to as the CPU and is measured in GHz. If you are just using the internet, you only need like 2.5 GHz; if you are gaming or editing videos, you may need more like 4 GHz. 

The i9 (i7 etc.) is the model number and the higher the number after the i, the newer it is, so if you have a choice between i5 and i9, you may want to go with i9 (same thing for AMD, but it is Ryzen 5, 7, 9 etc.) The 14900HZ is a SKU, but the letter(s) at the end do matter, as it is power efficiency and goes in this order from least to most efficient: Y, U, P, H, HK, HZ (you can see them all or read more here). 

GPU (Graphics Processing Unit) Example: NVIDIA GeForce RTX 4060. This processes graphics and other visual data on a computer, so if you need fast moving graphics, you need a better GPU. NVIDIA GeForce is known to be one of the best, but also Intel and AMD have options. The numbers at the end are higher quality or newer as the number goes up, so 4050 would be older than 4060. The least expensive NVIDIA which would still be good for games/video editing would be the 3050. 

RAM (Random Access Memory) Example: 16GB RAM. This stores data that the processor needs to access quickly to run applications and open files. It allows for both reading and writing data. The higher the number, the better the performance. My current laptop only has 8GB of RAM, but it is pretty standard for most new ones to have at least 16GB and if you want to do games/videos, you may want at least 32GB. This is my current computer. You can see from the "memory" section that I am using 5.6/7.9 GB of RAM, and what I have open is only a few Chrome tabs and Excel sheets. If I want to do anything more complicated, I will soon run into issues. 

So let's talk about the honorable mention, disk space! Most computers now have SSD (Solid State Drives) which store data for you. What does this mean? If you have ever bought an external HD in the past, you will note that they whir a lot and make noises and sometimes sound like they are spinning and spinning. Those are probably HHD, which have a lot of moving parts. SSDs don't have moving parts (hence the "solid") and so not only are they faster and quieter, but I can travel with one without worrying about banging it on something and one of the parts breaking (and then ALL of your data is gone!) I have carried both my computer, which has an internal SSD, and an additional external SSD with me on my bike trip with no issues. 

Most computers now have at least 512GB of SSD disk space, which is probably enough for most people who just have documents and some photos stored on their computer. If you need more space, you can either buy a computer with 1TB, or you can buy a 1TB external SSD drive for under $100 (I like this one by SanDisk) and I just bought a 2TB for $129. So if you are buying a computer and it is an extra $300 for a 1TB vs a 512GB, just buy the 512GB and you can buy an external SSD when/if you need more. 

In case you are wondering, my current computer is a Lenovo Yoga Pro. Since it lasted me 10 years without any issues, I decided to go with another Lenovo and ended up getting the Legion 5i 16" Laptop 14th Gen Intel Core i9-14900HX - NVIDIA GeForce RTX 4060 -  32GB RAM. And now you know what all of that means! The only downside to getting better components is that they make the laptop a lot heavier than I would like. But you have to pick your poison! 

Oh! One last thing; I ended up getting mine at Costco because they have a 90 day return policy (vs. 30 days for most of the others) and the price includes a two year warranty (plus one of the perks of the credit card I used is an extended one year warranty), McAfee for one year and technical support. They also ship in 4 days vs. 9-14 days for many of the others. I have had great success with Costco electronics and my family has bought three other computers and a television from them in the past! 

To summarize, in case you fell asleep, do you just want to blog, save some photos in a file, watch YouTube videos and read the internet? If yes, just get whatever, but maybe be sure it has at least the highest "i" number you can find within your budget and 16GB of RAM. Probably GPU won't really matter as much. 

If you want to do any games or video editing, get an CPU SKU with H or HZ at the end, an NVIDIA GPU, and at least 32GB of RAM. (PS You can also buy a Mac, which do not use any of these, as Apple is making their own versions of all these things as a combined unit now, but information about that is beyond my pay grade). 

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

Have you ever bought a new laptop? What aspects did you consider? What did you end up going with in the end and why? 

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.

This Ain't Slow Travel!

Slowed down. 2007. Hanging with grandma at Little Sandy Bottom Pond, MA. 

One thing that I wanted to do once I quit my job was to slow down a little and spend some time really getting to know a location before moving onto the next. I have found over the years that I do love seeing a lot of places, but often when we travel quickly, we end up seeing a lot of the touristy or busy places and really missing some of the hidden gems. My favorite trip to Paris was after I had already been once and I had seen the Eifel Tower and the Louvre and all of the other things. I went back and spent a month there and I had the best time ever just walking along the Sienne, reading my book in the park and getting groceries (and a baguette, let's be real here) every day and eating regular meals. I also liked to spend time in a café with a café au lait and my journal, whiling away hours watching people walk by. 

2004 vs. 2019: I look exactly the same! 👵 Right?

I actually went back again with a friend and had a great time with him, as he had never been, but was more into food than attractions, so we ate a lot and it was all delicious. I went back again in November and it was rainy, but I was with a running friend and we just ran from place to place, even the Eifel Tower and Arch de Triumph and we covered a ton of ground on foot, much of which I hadn't seen before, which was also nice. He also had no expectations of food, so I took us to four different places that had duck confit so we could do a confit-off and see which one was best (PS I love duck confit). I could easily go back again and explore a different neighborhood and be totally happy. I could probably go back ten times and be totally happy and see new things each time. Speaking of, I just read Melissa's post about Monet's Garden and of course now I want to go there next time! 

I want to see all of the places, but I am not really a fan of very touristy places, and I hate waiting in line, especially when it's hot and humid (Italy-cough-Sistine Chapel) and the woman behind you keeps saying in the loudest obnoxious voice that she is from CALIFORNIA (cringe!). Gag me. The good thing about my new existence is that I can take the time to find either less touristy places, or to go to the more touristy places in the off season, and hopefully have the city or the beach to myself. Do I care about swimming every day? Not really. But I do like it if there will be things to do, so I will plan accordingly. I also want to do some hiking, and of course, there is a limited time for that due to weather, so it may take a little jiggering to get it right. 

For the last year, I have been lucky mostly. Even thought I was definitely not slow traveling, I got lucky with the seasons, and I arrived in Canada when many of the provincial parks were still closed. However, the cool thing about BC, which is where I was, is that if you can go around the closed and locked gate, you can stay in some of them! There is no running water or facilities (I had to pack out my trash) but you can use the camping pad and picnic table, which was a blessing. Also, there are sites called recreation sites that are first come first served where you can camp either for free or for a nominal fee, like $8 or $13 in some cases. The great thing is that I was there in April and May and so I always got a spot! 

Camping near Banff, Alberta

In June I went to Banff and it was not yet the high season, although by the end of my week there, it was getting more busy for sure. However, when I first arrived, some of the lakes on the Icefields Parkway were still frozen and many of the park campgrounds were still closed. I figured it out though and got to have some nice nights there. Then it was the Tour Divide, when I camped a lot or just took what I could get! I was really worried about Fourth of July weekend but I ended up being in a place where it was not an issue! 

Crowsnest Highway, Alberta

Then I got to the Midwest and it got a little harder. Not that I could not get a room somewhere but the prices were a lot steeper and there was a lot less camping. The same applied in Ontario, where a campsite was often $80 or $90!! For one night! For a tent and a bike and no services! What the H-E-double hockeysticks Ontario! In Quebec there was some camping, but it was not really on my route, so I opted to take the lazy way out and get a room, but they were not cheap! 

The Toaster House, NM

I have seen a lot of great places and met up with people and done some fun things this year. However, this is not the slow travel that I had planned. I knew this going in of course, but still, I have definitely experienced waves of decision fatigue, especially over the last couple of months, where camping was more sparse, motels were more expensive, and biking infrastructure was not always great. I am really looking forward to cutting down on costs and mental power by being able to plan things a little more ahead and also to not have each day be in a completely different place. 

Bob likes colorful art. WI

However, I am trying to hold on to the last part of THIS journey, and to remind myself  that I have done a lot and learned a lot over the past several months. I remember my first day like it was yesterday, riding away from my parents' house in the drizzle (fitting, eh?), not having a clue what I was going to see or do aside from ride my bike each day. That in itself does have a sort of freedom, and I did develop a routine of sorts. I have honed down my packing system and dialed in my grocery store hauls. I have gotten used to (but still don't love!) wearing lycra. I am more comfortable riding on the side of the highway or on a single track trail than I was six month ago. It has been a lot of fun. I am not done yet, but this part of my journey is coming to an end soon. It's kind of bittersweet, but also kind of exciting! 

Next week I will talk about what I have planned for the next leg of the journey and will talk a bit more about my travel plans for 2025. 

When you travel, how long do you stay in each place? Do you like going to the mainstream attractions or are you more of a hole-in-the-wall kind of person? Do you ever get decision fatigue? 

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: Credit Card Hacking

Let's talk about getting to travel for free! 

But first, I realized in last week's post that I kind of jumped into the middle of the saving topic without covering the basics! However, for those of you who have not seen some of my prior posts, I do think that if you are just going to do one thing, it should be to pay into your 401k (403b/RRSP etc.) at least up to whatever your employer will match. If you don't have an employer who offers this, there are other ways to save, but I will cover them in a future post! You can find posts about a lot of these subjects on my Tips and Hacks page, but also here are a few of my favorites.

Every Quarter Counts: Three Tips for Growing Your Wealth Early 
Saving My Latte For a Rainy Day: Saving for Retirement
Make a Dollar Out of Fifteen Cents: What I Splurge and Save On 
My Last To Do List: Trusts and Other Documents 

The second thing that I think is important is to pay off all of your credit card debt. I did a review of a friend's finances once and the two things that really stood out to me were that (a) he had multiple charges for some subscriptions that he hadn't even realized because he was not looking at his statements and (b) he was not paying off his credit card in full every month! This can really add up! 

For example, if you have a balance of $5,000 with 25% interest rate and you pay it down $100 a month ($1,200 total), by the end of the year, your balance will be unchanged, at about $5,056, and you would have paid about $1,256 in interest that year. If you pay it down $200 a month ($2,400 total), your balance would be about $3,700 and you would have paid about $1,100 in interest. You would have to pay $475 per month to get it down to $0 by the end of a year, and you would still pay about $700 in interest. That is a lot of money to pay to the credit card companies! Obviously there are emergencies, but I think putting money aside for them in advance is much more prudent. 

So before I begin this post, I have to throw out the disclaimer that you should not do this if you can't pay off your card in full every month. Now let's talk about credit card hacking! If you are unfamiliar with this, it involves opening a credit card to get the welcome bonus, using the points for free stuff and possibly closing or downgrading the card later. Personally I like travel related cards, and Chase has one of the best values for that, so let's talk about that first. Side note: to my foreign friends, I am sorry, but these are US centric cards. However, please feel free to go to the bottom and let us know what card you use or any tricks you have to get the best value for your money!! 

Travel card ($600 - $1,500 bonus value) / $95 annual fee. The Chase Sapphire Preferred is currently offering $300 Chase Travel Credit + 60,000 bonus points (please verify by going to their site). What does this mean? Basically this can be worth anywhere from $600 - $1,500, depending on how you use it. Once you spend $4,000 in the first three months, you will get 60,000 points, and when you purchase any travel related items through their portal you will get up to a $300 credit. This includes the obvious things like flights, hotels and car rentals, but also has activities and cruises. 

For the points, at the very least, they can either be used to get cash back or buy gift cards at around 0.01 per point (value of $600) or you can use them to purchase travel through the portal, which is usually about $0.015 (value of $900) or you can transfer them to airline or hotel partners, which is where you can get the best bang for your buck. For example, if you transfer these points to Hyatt and use them to book a hotel room with points, the value will be about 0.02 per point ($1,200). This card does have a $95 annual fee, but it also gives you a $50 annual statement credit for hotels booked through their travel portal, so if you use this, it is only $45/year. This card also gives higher points per dollar in categories like travel and dining out and has no foreign transaction fees. 

In conclusion, if you travel at least once a year, this card may be a great fit for you! And if you don't love it after a year, you can cancel or downgrade to a no fee card. Basically with the current welcome bonus, you could stop using it after you get the bonus and still get value out of it for approximately six years (or more). If you travel a lot, you may want to go with the Chase Sapphire Reserve which gives you extra perks like lounge access and TSA Pre/Global Entry, but comes with a higher annual fee. 

Cash back card ($200 bonus value) / $0 annual fee. If you don't really travel a lot or you don't spend a lot on travel related items, you can get the Freedom Flex card, which currently has a welcome bonus of $200 after you spend $500 on purchases in the first 3 months. It gives you 5% cash back for a quarterly rotating bonus category, which includes groceries, gas, Amazon and pet services, which if you max this out, could equate to $300 per year. It has no annual fee and a 0% introductory APR. There are tons of different cash back cards with different % for different categories, so a combo of best bonus + best % for what you spend on is the way to go! 

Hotel card ($500 - $1,000 bonus value) / $99 annual fee. If you travel at least once a year and stay in at least one hotel/motel per year, I highly suggest getting a hotel credit card. I think the current best bang for your buck is either the IHG Premier or the Hyatt card. Let's talk about the IHG card. This is good for hotels like the Holiday Inn, Intercontinental and Staybridge Suites (list here). The good thing about IHG is that they are literally everywhere, versus places like Hyatt and Marriott which are sometimes pretty few and far between (or very expensive). 

It currently has a 140,000 point bonus (please verify by going to their site), which they state is up to 4 nights free, but I just booked a Holiday Inn Express in Strasbourg for ~24,000 points per night, plus with this card you get the fourth night free, so my four nights cost me 71,000 points, so this could possibly be more like eight hotel nights (or more in places like SE Asia or South America). If I would have paid for this room, it would have cost me about $500, which means that if I can book another at the same price, the welcome bonus would be worth about $1,000. In addition, you get an annual free night's certificate, which is good for up to 40,000 point hotel, which could equate to a value of about $200. This card does cost $99 per year, but if you use your certificate for a $200 hotel, it still "saves" you money! Last but not least, you get automatic Premier Elite status, which can give you perks like upgrades, early check in, late check out, and possibly a snack or a drink. Once again, if you decide this is not for you after a year or two, you can downgrade to a no fee card with no ding on your credit, or you can cancel if you choose. 

One last thing I want to talk about is a card that does not currently offer a bonus so is not really one for "hacking," but could be a great option for people who pay rent and that is the Bilt Rewards card. Please note that I have not used this myself, so you will have to do your own research. However, my understanding is that you can use it to pay your rent with no credit card transaction fees, even if you normally pay by check (they will issue the check for you) and you will get one point per dollar spent on rent plus extra points for other categories on rent day (the first of the month). You also get points for travel and other categories and it has no annual fee. You can then use the points for free travel, to pay part of your rent or for gym memberships etc. FYI currently a RT flight to Europe in Feb would cost about 40,000 points. 

Have you fallen asleep yet? No? Great, because one other thing I want to add is that if you do travel, many of these credit cards also come with added perks like rental car collision (LDW) insurance (normally $10 - $30 per day), travel trip delay or lost luggage protection, purchase protection, roadside assistance (~ $99/year value), TSA-Pre (~$100 value every four years), cell phone protection (~$75/year value) and more. These extras may cover the cost of your fee in some cases! 

Have you ever done any credit card hacking? Do you already have any of these cards? What is your favorite credit card and why? 

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. 

Purging 101: What Do I Do With This? And is it Worth it? (Part Two)

This is a continuation of yesterday's post about getting rid of all of my stuff! As many of you know, at the beginning of 2024, I decluttered my house and got rid of everything except for a few mementos, photos and some camping gear. I decided to do all the work myself and now am looking back to analyze whether or not it was worth it. After much research I ended up doing the following with the items listed below. 

Kitchen stuff. I sold some of the larger items on FBMP, but mostly I donated it to a local rummage sale, or gave it to Salvation Army. I did have some success posting some things in groups, like all baking items. Also bigger ticket items like my Ninja or Magic Bullet seemed to do better or sell faster in the long run.

$10 each or you can have the whole set for $40!!

Books. Unfortunately my local library is very picky about what they take and all of the Little Free Libraries were full, so most of my books went to Salvation Army. I also sold a few on eBay but they were not really hot ticket items. 

Random. It is interesting what people will buy. I sold unused printer cartridges and photo paper. I sold random assortments of photo frames and crafting supplies. I sold an antique radio to a woman who was going to use it in a play. I sold plants! Also, when I put out the free stuff, people took storage containers, even the ones without lids (I had set them out in groups), a roll of fabric, and a roll of Reflectex. I also gave a ton of stuff to friends and family, which really was my favorite way to get rid of things. I am sure they groaned every time they got a text from me saying, "Hey, do you want XXX?" but I felt a lot better knowing that some of the things went to a good home. 

Here are a few other places you can take things (for free): 
*these ones were especially difficult since none of them can be thrown in the trash. 

Household cleaners, paint, batteries, light bulbs, propane containers, aerosol cans, e-waste etc.: If the paint is unused and unopened (which seems silly), you can take it to Habitat For Humanity (Restore). You may also be able to return it to the place you bought it. If it has been opened, it has to go to the Hazardous Waste drop off with the other items in the illustration below. *for my local county. Please check your local location for confirmation of what they will or will not take. The cool thing about this is that you put the items in your trunk and you pull up, they take everything out, and you drive off. You never have to get out of the car! 

Take these* to Hazardous Waste drop off. 

Used motor oil: In my area, you actually can leave this on the curb for your regular pick up. Also many retailers who sell oil (like Walmart) or do oil changes (like Jiffy Lube) will take your used oil. Luckily I had graduated to paying someone to do this for me, so I did not have to worry about this. However, as a kid, my Dad used to make me change my oil, so I am familiar with the process! 

Used printer cartridges: Staples or Office Depot will usually take these. 

Used batteries: In my area, you could put them in a Ziploc and tape that to your recycling bin and Waste Management will take it on trash day. Otherwise you may be able to take them to Office Depot, or to the hazardous waste drop off. 

Electronics - Goodwill, if the item is still working (they are sometimes picky about this), and they may refurbish it and sell it, but check your local one, as some do not take them, or local e-waste pickup company, or if it is dead, you can take it to the same place that you take hazardous waste.

Now the summary that you have been waiting for. What was my time really worth? Ha. In the end, I estimate that I "made" about $45/hour for eBay, $25/hour for ThredUp and $47/hour for FBMP (*these are very ballpark numbers). However, if you add in the hundreds (or thousands?) of items I gave away, and the time it took to research that and sort them and pile them up and move them from place to place, it would significantly lower my per hour rate (remember the saga of the suitcase? Well I ended up putting in my driveway for free, and I probably spent a few hours going back and forth with people on that) and am guessing it would be closer to the $15/hour range, or maybe even less! 

Moral of the story? Some of the big ticket items may be worth selling, but the little guys may not be worth your time. Also FBMP takes more effort, but doesn't pay a whole lot more for the extra time. ThredUp was very little work and was things I would have given away for free anyway, so I feel like that was probably the least amount of brain power (which is a win for sure!) even though it consisted of the most items and paid nearly half as much. Also as an aside, if you are just sitting at home and have the time anyway, it's not a bad side gig! However, I think unless you want to have to be face to face with people and deal with a lot of flakes, I would pick eBay over FBMP for the ease of it. 

Also, as a last side note, if you are ever buying on eBay or FBMP (or Poshmark etc.), even if it is a Buy Now item, it never hurts to offer a lower price! Unless you absolutely NEED it now. However, as a seller, I would happily take an offer, as I was motivated to sell! 

Have you ever sold on eBay, FBMP or any other online retailer and if so, how did it go? What do you think your time is worth for these kinds of things (aka, would you pay someone just to not have the hassle)?? 

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. P.S. This is a draft I started in June 2023! Speaking of purging!