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Divorce on the Cheap

The reason I’m sitting here in Fort Lauderdale writing this is because I’m scheduled to testify at a friend’s divorce hearing this coming Thursday. It keeps being delayed. Sometimes for valid reasons; the courthouse is old and water pipes keep bursting closing the whole place. That’s happened twice. It happened again last Friday but apparently didn’t stop operations though the newspaper reported that lots of civil and family court documents were damaged. Other delays have simply been mysteries.

Like the majority of divorces this one is acrimonious. The wife believes the husband has money and she wants it. She doesn’t work and once told me, “I’m not going to get a job. I’m going to make him support my ass.” That’s a direct quote. Despite the fact that she and her lawyer subpoened thousands of pages of bank records that clearly show that his construction company is in the dumper because of the current economic conditions she insists that he makes over $250,000.00 a year and she wants half. It doesn’t matter one bit that during their $22 year marriage he never came close to making that much.

I’m testifying because I served as my friend’s office manager from the day he started the company and as signatory to all the company’s bank accounts I’m the only one who can corroborate the absolute fact that not only is the company in trouble but my friend is broke. So broke, in fact, that he doesn’t have the money to hire a lawyer himself.

My own divorce, way back in 1972 was completely different than almost any other I’ve ever heard of.

My ex wife and I met in college and the primary reason we got married wasn’t so much that we were the “love of our life” for each other as it was that we simply wanted to live together. Had we done that both of families would have disowned us.

After six years we decided to call it quits. We were moving in different directions with our lives and just wanted to go our separate ways. We had no children and no property. Division went sort of like this: You take that dresser, I’ll take this one. You can have the T.V. I want the stereo. Since your parents financed the car it’s yours…

We had been partners in several successful dinner-theaters here in south Florida for several years and naturally went to the company’s lawyer to do the divorce. He told us, that as a “favor” for all the business we had thrown him in the previous four years it would only cost us $300.00 for a no-fault divorce.

We were appalled. “You mean to tell us that you want $300.00 to have your secretary type our names in the blank spaces of some forms? You’ve got to be out of your mind. I’ll do it myself,” I told him.

“If you buy one of those divorce kits,” he said, “you’ll be sorry.”

“I don’t need a ‘kit’,” I told him. I’ve been around you for four years and I know for a fact that I’m smarter than you are. If YOU can do it, so can I.”

I then went to the courthouse law library and asked the librarian to show me the forms for a n0-fault divorce. She pulled them out for me and I made copies. Next I went to a stationery store and bought a package of legal size paper. I went home, put the paper in my typewriter and copied everything putting our respective names in the proper blanks just as the lawyer’s secretary would have.

Next, I went to the Clerk of the Court’s offices, spread out all the papers and said, “What do you need to have to start this?”

The clerk picked out two or three of the forms.

“What happens now?” I asked.

“You’ll get a notice and your wife will, too. If she want’s to contest it her letter will tell her how. If she doesn’t want to contest it she doesn’t have to do anything.”

When I got back to my apartment I called my soon-to-be ex and told her that the process had begun and all she had to do was to let it play out.

I had to go to the Clerk of the Court twice more to turn over additional papers and finally a date was set for my appearance with a judge. I had to bring someone with me to testify that I had lived in Broward County for at least six months before filing for divorce. As it happened the only person I could get to go with me was the receptionist at the dinner cruise boat company I was working for at the time. Twyla was six feet tall, had flaming red hair and taa taas out too here. When the judge entered the chambers he looked at Twyla, looked at me and then spent quite a while checking out those amazing assets of hers.

“No, your honor,” I said. “She has nothing to do with this other than that she can testify to my resident’s status.”

The judge asked what the problem with the marriage was and I simply told him we were going in different directions with our lives and we wanted to end it before we ended up hating each other.

That was enough for him and he signed the divorce decree. I then went to the Clerk of the Court one final time where I had the papers notarized and paid a fee of $32.50.

I left the courthouse and went to the dinner theater where my wife, the stage manager for the troupe, was in rehearsal.

“Well, Brenda,” I said, “it’s official. We’re not married any more.”

“How much did it cost?”

“Thirty two fifty,” I said. Brenda got her purse, handed me $16.25 and that was the end of our marriage.

They should all be as simple as that.


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Susan Boyle Stuns the World

If you haven’t seen this yet it’s worth copying the link and checking it out…embedding was disabled

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THIS is cool

Found this at Bits & Pieces

Can’t seem to embed it so highlight it, drop it in a new browser window and follow the instructions at the bottom of the page

http://balldroppings.com/js/

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Health Care

When I used to tell people that I was thinking of retiring to Guatemala they’d inevitably ask: “What if you get sick down there?”

My standard answer was, “you either get better or you die.”‘

That’s really not a smart-assed answer, either. When you think about it, it’s only been within my lifetime (approaching 68) that we’ve had antibiotics. Penicillin and the like. Before I was born if you cut yourself there was a real, though remote, possibility that your wound could get infected and you might actually die. I was in my early teens when the heart-lung machine was invented paving the way to open-heart bypass surgery.

You either get better or you die.

We here in the United States have been brainwashed into the idea that we have the best health care in the world even though statistics prove that isn’t really so. Sure, if you live in a large metropolitan area as I do you have access to good care. I only live five blocks from a large medical center and when  I had my heart attack last July I was receiving treatment within minutes (at the cost of $58,000.00 for a two and a half day stay) and there’s no doubt it saved my life. But I also ask people what they think would happen to them if they were on vacation here in the land of the world’s best health care and they decided they wanted to visit say, Mr. Rushmore. They’re driving along the road to their destination and their heart goes YAHHHHHHHHHHHHHHH! What happens then? They’re dead! Period! Write the obit.

I’m not being morbid here. We each owe our creator a death. It’s the real cost of living. Each and every one of us is on that slippery slope and there’s no negotiating our way out of it. It’s going to happen. Of course there are some good jokes about the inevitable. “I want to die peacefully in my sleep like my grandfather…not screaming in terror like the passengers in his car.” I’ve often said, “When it’s your time to go, it’s your time to go. I just don’t want to be on a plane when it’s someone else’s time to go and he drags me along with him. And how do they arrange it so that 200 people whose turn it is to go all get on the same plane together?

From what I’ve seen in Panama health care is decent and certainly reasonably priced. One of the medications I have to take daily is Plavix. Here in the States the cheapest price I’ve been able to find for it comes to $144/month. In Chitre, Panama I was able to walk into a pharmacy and buy it, without a prescription, for $80!

When I was staying with my friend Frank in Panama City he had to visit his doctor. We went to a nice modern clinic on the Via Argentina in El Cangrejo. As nice as any clinic available here in Fort Lauderdale. His bill was $3.19. That’s right, three dollars and nineteen cents and they chased him out the door to give him his penny change, too.

Just to prove I’m not joking I took this picture in Chitre:

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General consultation with a doctor…$3.00. Try that in the States.

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Title Picture

The picture at the top of the blog was taken aboard Nancy Dawson somewhere in the Yucatan Channel while making my passage from Key West to Isla Mujeres. I went below to start lunch and when I looked up and saw the ensign flying out in the breeze it was a picture waiting to be taken. One of those Koday Moments.

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Playing for Change -Stand By Me

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Gamboa Rain Forest

Right in the middle of Panama City is a place called the Gamboa Rain Forest.

As you turn off the main road you go through an archway of bamboo…

bamboo-gamboa

There are critters you have to watch out for…

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There’s water and beauty all around Gamboa…

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But the road’s narrow and you are instructed to blow your horn in the curves so this doesn’t happen…

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There’s a huge,expensive, $200+ a night hotel there

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with views like this…

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Attention to  detail outside is class all the way, like the lighting in the parking lot…

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And that detail follows through inside with such mundane things as the stair handrails…

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You don’t get the same view down at pool level as this, though…

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And how could you pay attention to what’s being said in one of the meeting halls with THIS overhead?

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A View From the Hill

One of the most recognizable landmarks in Panama City is Cerro Ancon…Ancon Hill. It stands 654 feet above the surrounding area and commands great views of the city and canal below. When Henry Morgan sacked the city in 1671 his scouts climbed the hill to scope out the local defences. The hill lay within the old Canal Zone and when Jimmy Carter signed the Canal Over to Panama one of the first things they Panamanians did was to raise an oversized flag on top of the hill that can be seen from many parts of the city.

cero-ancon-flag

The views are, indeed, spectacular. Like this one of Casco Viejo

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Looking in on the city

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The container port and entrance to the Canal

container-port-entrance-to-canal

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Why Panama?

Previously I wrote about that the idea of living south of the border grew from my experience of spending five months in Belize and Guatemala. To me it seemed like an almost perfect area in which to retire. The natural beauty of the countries, the relaxed lifestyle of a cruising sailor and how relatively inexpensive it would be to live there considering how little I would have in the way of retirement income. What could be more appealing than to live on the Rio Dulce with its easy access to the lower cayes and clear waters of Belize when one wanted a break from the rain forest.

I dove into the web and found out that while Belize has a program allowing resident status for retirees the requirements were beyond what I would be able to put together, but it was still possible to spend a good deal of time there without major hassles. Guatemala, though it didn’t have a system specifically geared to retirees, still made it easy to spend the majority of the year there. When I arrived in Livingston I was automatically given a three month visa both for myself and my boat. If you wanted to stay longer all that was necessary was to go to Guatemala City and you could get a nine month visa for the boat. You, on the other hand, had to leave the country for 72 hours and then could return for another three months. A bit of a hassle, but not excessively so…take a side trip to Copan to visit the Mayan ruins “et voila” as they say in Antibes.

I did extensive research with the idea of compiling an e-book about retirement in Mexico but with the amount I would be receiving from Social Security would barely meet the Mexican requirements for their visas allowing gringos to stay year-long. On the other hand, you can spend six months of the year there simply on a tourist visa without hassles but then you have to go somewhere else for the rest of the year.

El Salvador, Nicaragua and Honduras held no appeal and Costa Rica isn’t much less expensive than here in the US. But for some reason I didn’t even consider or look into Panama. That is, until I was talking to a friend about future vacation plans. I’ve spent much of my life on the water and it came to me that I’d like to go through the Panama Canal. I knew, from reading, that each yacht going through the Canal is required to have, in addition to the captain, four people to handle lines in the locks one on each corner fore and aft. In a lot of transits the line handlers come from other yachts waiting to make their passages for the experience when their turn comes. If the yacht owners can’t scrounge up free help then he must hire someone from between $50.00 to $100.00 each.

I thought it might be a fun vacation to fly down to Panama City and hang out at the Balboa Yacht Club with a tee shirt saying “I Can Handle Lines.” I’m sure I could connect with someone within a week to ten day vacation.

That, of course, led me to a Google search for line handlers and got hits like this: http://www.escapeartist.com/efam20/line_handling.html. When I worked as a freelance writer one of my favorite things was the research I’d get to do at the library. I absolutely loved thumbing through the card catalog. As my fingers would flip through those small pieces of stiff white card stock searching for some subject books and themes would jump out and grab my attention leading me down a completely different path precursors to URL links. ( A little sidebar: Cut and paste comes directly from the old days of being impaled on my own freelance. In order to keep a train of thought going when writing first drafts I bought rolls of newsroom teletype paper and run it through my typewriter. That way it wasn’t necessary to stop regularly to put a new sheet of paper in the machine. If a new idea leaped to the front of my mind I could simply keep on going after making a quick mark in the margin and keep pounding away. It made me more productive doing a 10-page draft by not having to stop nine times to put in a blank sheet. With that done I’d then sit down with a pair of scissors and a little jar of rubber cement and cut and paste away.)

It didn’t take long before I’d burrowed into “Retirement in Panama” and discovered the Pensionado Program. The fiscal requirements were minimal for a single person. Simply prove a minimum monthly income of just $500.00 a month, since increased to $1,000 a month. That meant I easily qualified. Through a mutual friend I was introduced to a couple who had recently purchased property in Panama and was fortunate enough to spend a day with them and gaining from their first-hand knowledge.
In just about every blog written by people who have successfully moved to a foreign country the writers recommend that those considering such a move spend at least six months in the country before moving there. Since I believe that’s excellent advice why am I considering going down sight unseen? I think that my approach to retirement is a bit different than most. I intend on buying a sailboat and living on it rather than going somewhere and renting a stationary house or apartment. The beauty of this sort of arrangement is that if you don’t like where you’re at, or simply want a different view of the world while you’re making your morning coffee you simply get up and move to a different location. In 1992 I left Fort Lauderdale and went to Mexico, Belize and Guatemala but I spent every night at home.

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What is an adventure?

nancy-dawson
One of the Merriam-Webster definitions is “an exciting or remarkable experience.
It  doesn’t have to involve great peril. In fact, for an adventure to be successful according to the definition above, it should avoid peril as much as possible.
So, what do I mean my one MORE good adventure? Well, having recentlystarting to collect my Social Security benefits it means I’m free of having to worry about the weekly pay check and health care (Medicare, the first health care I’ve been able to afford in a dozen years). The SS income isn’t a whole lot. In fact, if I were to stay in the States I’d have to work until the day I die so I wouldn’t have to end up eating cat food and living under a bridge somewhere. I intend on moving out and moving on.
On my last good adventure I had bought a beautiful 26′ sailboat. A Kaiser of which only 26 were made and I had hull #24. I bought it for a song and took off from Fort Lauderdale for nine months and single-handed my way down to Mexico, Belize and Guatemala. Even though I had lived out of the country for several years prior to this cruise, it was always on somebody else’s boat somebody else’s schedule. The good part was it was also on somebody else’s dime and they paid me every inch of the way. I spent 2-1/2 years living and maintaining an 85′ sailboat on the French Riviera and the Costa del Sol and the owner was never once there and the only guests that were ever aboard were there at my invitation. Since nearly everything was provided for me, a rental car, food that I ate on board, etc. it really didn’t matter a whole lot when I’d drop in to Monaco to watch the power boat races that a can of Coke from a machine cost over $5.00. And that was back in ’89.
But the perspective changes when it’s now MY dime. I spent three months on the Rio Dulce in Guatemala and it was there, 16 years ago, that the germ of the idea of retiring south of the Rio Grande started to germinate. I “lived on the hook” (at anchor) except for one long weekend when I put the boat in Mario’s Marina for a trip up to Guatemala City to pick up a part for my outboard engine. Life was good there. Like the Mayan Indians do you get up with the sunrise and go to bed when it gets dark.
There were several marinas on the Rio and most had a restaurant with water you could depend on not to give you the “trots.” I’d eat my main meal of the day at whichever one advertised the most tasty dish of the day over the morning cruiser’s net. A specified time during which interested boats and shore stations would listen in on their VHF radios. You could generally get an excellent meal with perspiration dripping down the sides of your ice cold Gallo lager all for about $3.50 and tipping is pretty much unknown.
In town at one of the houses of ill repute, the beer bottles were dipped in water and then put in a freezer and when the temperature is around 95F with 90% that first near-slushy Gallo goes down easy. Beers there were 35 cents. Outside there was a little stand with the most outstanding tamales you’ll ever find anywhere. Wrapped in a banana leaf they were about the size of a paperback book and in the center there’d be a huge chunk of chickem (I’m assuming it was chicken) with maybe some kernels of corn or peas and a nice sauce that saturated the whole with flavor. One of those would fill you up and they only cost $1.00.
There was a good deal of free or low cost entertainment. Mario’s Marina had “movie’ night on Wednesdays. Pretty much a DVD run up on a big screen tv. It was set up under a large palm thatched hut and you could order food and drink from the bar and restaurant a few steps away. There was no charge for the movie, but they made up for it with their sales. Suzanna’s Laguna would bring in a live local band once a month and the Nirvana Express Bar sponsored cruising sailboat and cayuca (dugout canoe) races every other Sunday with a party afterwards.
And to highlight how inexpensive things were down there, a friend of mine who I had met in France, was the captain of a 65′ custom catamaran. They were at a dock at one of the best resorts on the Rio (coincidentally called the Catamaran Club). It is as nice a place as you would want to spend a vacation in the world. Bill was there at a dock with water and 220 volt electricity for the princely sum of $5.00 US a day. In contrast, when I spent a night at a marina in Key West on my way south it cost me $95.00.
I estimated that if I was able to have $5,000.00 a year I could have had a very nice life. But that wasn’t going to happen right then and I had to return to the States to build up a new cruising kitty. I never did rebuild the cruising kitty and the money that my father left me when he died pretty much disappeared in the Republican Depression,

So now I’ve applied for a Pensionado Visa which will allow me to be a permanent resident in Panama. I’ve completed all the paperwork a I’ve been told it’s been approved. Now I’m simply waiting for it to be signed and then I’ll be packing up my life in the U.S. and moving down here permanently.

I think that qualifies as an adventure.

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