Category Archives: Days in My Life

I don’t just sit around and watch TV.

It’s April. Here’s What I’m Up To.

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I’m still on board Do It Now, but paused to take care of some business and now prepping to come home.

Here’s what I’ve been up to for the past month or so.

Northbound

Cruising, of course, on the Atlantic Intracoastal Waterway. That’s the mostly sheltered series of rivers, bays, inlets, and canals that runs from Florida all the way up to New Jersey.

When I last blogged here, I was in Georgetown, SC. Since then, I’ve been to Bucksport and North Myrtle Beach, SC, and then Southport, Carolina Beach, Hampstead, Morehead City, and New Bern, NC. I’m now in Oriental, NC, where I’ve been for a while, taking care of some business.


The red dots indicate my stops along the way since my last blog post here in in March.

Although I was ahead of the Looper pack for most of the past three weeks, I’m now part of the leading edge as other Loopers catch up with me. My boat buddy friends are, unfortunately, still quite a way behind me. That’s my fault since I needed to head north at a quicker pace to make a deadline. I’m hoping to make some new friends as I continue north from here in a day or two at a more leisurely pace.

Captain’s Training Done

Today marks another little milestone in my life: I finished a required 56-hour Coast Guard approved training course and took (and passed) the required tests to get my OUPV (Six Pack) Captain’s License.


Here are the study guides I bought and barely used. They are in mint condition and I’d like to sell them for $95. (I paid $150 for them.) Contact me if interested.

This is something I’d been wanting to do for more than a year now — in fact, I purchased some study guides all the way back in November 2021. While I could have done it online, I knew from experience that if I didn’t sit in a classroom every day with an instructor there to check off my name on a list, I’d never get it done. So I looked for and found a classroom course that ran eight consecutive days with the test on the last day. It was a bit tricky. Although there are classes all along the east coast, where I’m currently cruising in Do It Now, timing was an issue. I missed a class in Stuart, FL by two days and wound up with the one that started March 31 in Oriental, NC. That’s why I’m here and have been here for over a week — my longest stop yet.

Sadly, I was not impressed with the quality of training, the study materials they provided, or even the classroom facility. And the instructor, although a very nice man who probably has a lot of great boating stories to tell, could have been a lot less deaf and a lot more animated. So I can’t recommend the training organization. But I also can’t deny that they got results. I’m pretty sure all of the attendees in my class of nine experienced boaters passed their tests. I know I did and I now have the certificate to prove it.

What’s next? I still need two pieces of the puzzle before I can submit all my paperwork to the Coast Guard and actually get my Captain’s License: a physical exam (similar to what I need as a pilot) and a drug test (which I also needed when I ran my own helicopter charter operation).

In case you’re wondering why I decided to chase down this certification, an OUPV Captain’s License will enable me to legally operate charters on my boat for up to six paying passengers at a time. (Ironically, it’s similar to the Part 135 certificate my business, Flying M Air LLC has, but it doesn’t involve the FAA (or Coast Guard, for that matter) breathing down my neck and making unreasonable and often costly demands. I sold Flying M Air last year, so the FAA can breathe down someone else’s neck.) I plan on using it to offer one-on-one training for people who want to learn how single-hand a boat like mine or women who want to learn more about boat handling from someone other than a spouse. The next logical step would be to offer multi-day charters along the Great Loop, but I’m not sure if Do It Now is well-suited for that mission.

Prepping for a Summer at Home

As much as I like to think I’m retired, I’m technically not. I still do cherry drying work.

What’s that, you say? How can I still be flying helicopters when I sold my helicopter and I sold my charter business?

Well, the truth of the matter is that pilots are pretty hard to come by these days and I’ve got access to pilotless helicopters that I can fly for cherry season. Right now, it’s a matter of finding the right match. And whether I personally fly or not, I’m still managing a team of pilots to provide cherry drying services to my clients. This will be my 16th season (!) and I’ll be honest: I hope it’s my last. I really do want to retire. I’m hoping someone on my team will buy me out this year. It sure would be nice spending the summer of 2024 on Do It Now cruising the Canadian canal system.

In addition to that, I still make and sell jewelry. I’ve lined up four consecutive weekends at art shows in Washington in May, before cherry season starts. That means I need to get home to build inventory and do those shows.

To that end, I booked a flight for myself and my pups on Alaska Air on April 27. I’ve already given my house sitter the news so I can sleep in my own bed when I get home.

I hope to get my boat up to the Annapolis area by April 25 and put it on the dry there until I get back. I’ll get the bottom checked (and possibly painted); take a look at the prop, rudder, and other bottom stuff; and possibly have the zincs replaced. I’m also hoping to find an electronics guy to install my new Garmin Black Box 800 for AIS transmission capabilities and a Nebo hard install. And, if the stars align just right, I’m hoping I can find a good canvas company to enclose my entire rear deck in a screen/vinyl/canvas enclosure that’ll really increase my usable living space.

If all goes well this season at home, I’ll do a few more art shows after cherry season and be back on the boat by mid-September.

(I still laugh when I think about the family members who advised me not to buy the boat because I’d “never use it.” Since buying it, I’ve spent more nights sleeping aboard than I have in my own bed at home. Hell, I’ve been onboard nonstop since November 25. My house sitter spends more time in my house than I do.)


Here’s Do It Now under way in South Carolina. A passing Looper took this shot and texted it to me. (I sent them one of their boat, too!)

A Day at a Time

Now that I’m finished with the Captain’s training ordeal — for lack of a better word — and I don’t have to worry about practice questions invading my dreams anymore, I can do what needs to be done to get up to Annapolis and get Do It Now tucked away for its summer vacation. I’ve already planned my next week or so of travel, which will get me to Chesapeake Bay. I’ll be taking them on, one day at a time, until my winter travels end and I’m back home in Malaga.

And as for that other blog — well, I haven’t written a word there in over a week because of my class schedule. I’m farther behind than ever. But I’ll catch up if it takes all summer to do it.

Dr. Bronners is Not the Answer

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I discover that a “do it all” biodegradable soap is not the answer to my on-the-water cleaning needs.

One of the things that bothers me about living on a boat is gray water — the water that drains away from sinks and showers. In the RV world, gray water is collected in its own separate waste tank. Although it can be dumped separately from black water (toilet waste), both tanks are often dumped together in a facility designed to receive it. But on a boat, gray water is drained directly into the body of water the boat is floating on. (Don’t worry; black water on a boat is contained in a tank and cannot be dumped anywhere on inland waterways or near shore.)

I remember the first time I realized this. It was in the 1980s and I was on a houseboating trip with some friends. One of us was washing dishes and I happened to look overboard and see soap suds on the surface of what I’d always thought was pristine Lake Powell. I was kind of horrified.

Lots of folks will argue that it’s “just a little soap” in a big body of water. And they would be right. But I tend to think on the macro level at times and thought: what if everyone just dumped their gray water into the nearest river, stream, or lake? Wouldn’t that hurt the fish and water birds?

So, like the environmentally conscious person I try to be, I thought I’d find a more environmentally friendly soap to use aboard my new boat, which I expect to be living on for months at a time.

Choosing Dr Bronners


Here’s what the Tea Tree scented Dr. Bronners bottle looks like.

Dr Bronner’s All-One Soap came to mind first. If you’ve ever been in a health food store or walked through the natural foods section of your supermarket, I’m sure you’ve seen it. It comes in plastic bottles absolutely covered in crazy fine print text. It’s supposed to be pure-castle soap and its website says its good for “Face, body, hair—food, dishes laundry, mopping, pets—the best for human, home, and Earth!” (I think someone in their marketing department needs a lesson in punctuation, although I am a fan of the Oxford comma.)

I think Peppermint may have been the original scent because that’s what I first used on camping trips years ago. It made my skin tingle. Later, I bought the Eucalyptus scent, which I preferred, for my campers. I used it in the bathroom for washing up, including showering. When I had really short hair, I used it for shampoo.

I figured that it would be convenient to have one soap I could use for everything, so I bought a large bottle and a small one — one for the galley and one for the head. I chose the Tea Tree scent because I wanted to associate a new smell with my new boat — I didn’t want it to smell like my RVs. And when I went out on my recent 10-day cruise around Puget Sound, that’s the only soap I brought along.

The Experiment

During the ten days I was away, I used Dr Bronners for washing anything that needed washing: my face, hands, body, and hair; dishes, pots, and pans; and laundry. And it didn’t take long to realize that Dr Bronners simply wasn’t doing it all, as its marketing materials claimed. Specifically:

  • As a body soap, it’s an astringent that sucks the oils out of your skin. While I like that in summer time when I’m sweaty and stinky, I don’t think it would be good in the winter. (I will likely continue to use it, however.
  • As a shampoo, it stripped all of the natural oils out of my hair, leaving it in a severely tangled mess. If I didn’t have the foresight to bring along some leave-in conditioner, I would have had to have my hair shaved off to remove the knots. (Knowing in advance how it was on skin gave me insight about how it might be on hair.)
  • As a dish soap, it could not sufficiently cut through grease, no matter how much I used or how hot the water was. No matter how many times I washed something greasy, there was always a thin, slick film left behind.
  • As a laundry soap, I just don’t feel sure that it really cleaned my clothes. I didn’t see any suds in the water, but since none of my clothes were really grimy, I have no way to judge how well it worked.

Before the end of my trip, I went out and bought a small bottle of Dawn dish detergent. It was pointed out to me that environmentalists use Dawn to clean oil off wildlife after spills, so there must be something environmentally friendly about it. (Or maybe it’s just more environmentally friendly than crude oil?) I just couldn’t deal with that layer of grease on my “clean” pots and pans.

Conclusion

As far as I’m concerned, the experiment is over. I’ll use up the rest of the Dr Bronners I have on board for washing my hands and face and showering. I’ll use my regular shampoo on my hair — heck, I take most showers at marina facilities anyway. I’ll use the same laundry detergent pods I use at home for my laundry, which is always done in a laundromat. And I’ll use Dawn (sparingly) for washing my dishes.

In the meantime, if you have any suggestions for more environmentally friendly cleaning products that actually work, please let me know. I want to do the right thing, but I also want clean things to be clean.

On Home Ownership

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I become a real homeowner for the second time in my life.


I got this letter in the mail yesterday after making a final lump sum payment on what I’d always thought of as my “mortgage.” (Technically it was a land loan; I never had a mortgage on this home.)

On July 14, 2022, I officially became a mortgage-free home owner for the second time in my life. That’s the date of the letter from my bank confirming that the lump sum payment I’d sent in June had paid off the balance of my land loan.

I bought the land nearly nine years ago, the day after my divorce was finalized. It was a long story and crazy process that you can read about in a blog post I wrote about it. It wasn’t a cheap lot, but the view from those 10 acres made it worth every penny. I’m generally a debt-adverse person, so I put 50% down on it and borrowed the rest. The owner financed until I could get my paperwork in order and get a loan about a year later with Northwest Farm Credit, a company that specializes in farm loans. My lot, zoned Rural Residential, met the criteria for lending. The terms were a fixed rate for the first 7 years, adjustable annually after that, with a balloon payment at the end of 10 years.

Amortization was based on 30 years, keeping the monthly payments low; for the first 7 years, my monthly payments were just $501. I kicked in an extra $500 toward the principal every month for at least 3/4 of the months over those 7 years. The goal was to pay down the principal quickly so I wouldn’t get hit with the kind of huge balloon payment the bank estimated. When the first interest rate adjustment came, my monthly payment dropped to less than $300/month. I honestly don’t know the exact amount because I kept paying the $1001/month that I’d been paying. Now I was kicking in more than $700/month to principal only.

With my June birthday coming up, I noticed that I owed less than $12K for the property. Rather than let my regular payments pay it off in just under one more year, I decided to make the payoff a birthday present for myself. So I wrote a big check, got a $14.90 refund for my overpayment, and received the letter saying the loan was paid off.

I’m a mortgage-free home owner.

The Money Stuff

Now if all this is gibberish to you and you’ve got one of those 30-year mortgages on your place, you might want to chat with an accountant or financial advisor about the possible benefit of paying extra toward the principal on that mortgage.

I remember my first mortgage with my future wasband. It was a 30-year term because that’s all we could afford when we bought our first home. We paid what was due — on average about $1200/month — every month for 11 years. When we sold after 11 years, we’d only contributed about $16K toward the principal — that’s after paying over $158K. Where had all that extra money gone? Mortgage interest, of course. Rates were a lot higher then, but still! We had a house but very little equity in it.

I think that experience is what woke me up to the realities of mortgages and home ownership. If you have a large loan and pay it over a long period of time, you’re likely to pay a lot of money in interest without increasing your equity in the home by very much. In that case, what’s the benefit of buying over renting? When you own a home, you’re responsible maintaining and repairing it. When you rent, you’re not. And when you’re paying 90% of your monthly mortgage payment toward interest instead of principal, it’s like paying rent without the benefit of a landlord to take care of the home.

Home ownership remains a goal of many people. It’s a great goal, but it’s not achievable unless you are able to maximize your downpayment, minimize your loan term, and pay down the principal as quickly as possible. Otherwise, you’re basically paying rent to a bank with the added expense of home maintenance, repairs, and property taxes.

When my future wasband and I sold that first home and moved to a new home in Arizona, we quickly refinanced to a 15-year loan term. Sure, the payments were bigger, but each payment applied more money to the loan principal. And with the lesson learned from our first home, I (the debt-adverse person in charge of household finances) would send additional principal payments for the loan to the bank a few times a year, when there was some spare cash in the household account. By doing so, we managed to pay off the loan in just over 11 years.

And that was the first time in my life that I was a mortgage-free home owner, at the age of 50 — although I was just half owner on that particular property.

My House

My house, of course, has been paid off since it was built. Because of the construction style of my home — post and beam construction — a building loan was not possible to get. So I had to pay cash as it was built.

On May 20, 2014, I began blogging about the construction of my new home in Malaga, WA. You can read all of these posts — and see the videos that go with many them — by clicking the new home construction tag.

Yeah, that was a challenge. Fortunately, my decent income and low cost of living rose to that challenge. I was living in my 36-foot fifth wheel, the “Mobile Mansion,” on my property at the time so there was no rent to pay and that likely saved a ton of money that could go toward construction.

I had the house built in stages starting on May 20, 2014: first the building shell and then the living space upstairs. I did a lot of the interior work myself: electricity, flooring (wood laminate and tile), and deck rails/floor. I subcontracted out to a framer and plumber and insulation/drywall/painting guys. I designed a custom kitchen with granite countertops at Home Depot and let their guys install it all. I bought my appliances at a Black Friday sale and, again, let them install. The place came together bit by bit over the course of two years. I wrote a lot of checks. But in the end, it was done and it was paid for.


The Great Room in my home. I really do love it here.

The Lecture

I know that what I’ve achieved is beyond the means of many people. I don’t want to say I’m “lucky” that I could do this because I truly believe that we make (most of) our luck. (And besides, I’ve had a bit of bad luck, too.) I’m not rich, but I do know how to work for a living and manage my money.

Living within my means is step 1 — and that’s the step most folks can’t seem to manage. They buy things they don’t need or can’t afford, relying on credit cards and loans to make it happen. Soon, every penny from every paycheck is spoken for and still some of them keep buying. They live in a world of never-ending debt by making minimum payments on every debt they owe. And then they complain that they’re broke.

That’s not me. I learned my lesson about debt TWICE when I was in my twenties. The second time did the charm. Years later, I realized that the first step to financial security — especially in retirement years — is having a paid-for roof over your head. That’s what motivated me to get the house I owned with my wasband paid for. And that has definitely been on my mind over the past 10 years as I get ever closer to retirement age.

I’m 61 now and starting to think seriously about life in retirement. Getting that paid-for roof over my head was a good start on the things I need to do to achieve my retirement dreams.