Category Archives: Ex-Pat Living

Softly, Softly — (shhh!!!)

Softly, softly and oh-so-quietly — things are moving in our lives and it’s time to talk about that.

Yes — I am actually back — and hopefully I won’t be disappearing again!

We’ve been living in Ballarat, Victoria, Australia for just over a year and a half — and what a LONG slog that has been. We purchased a 1950 house in rather dire condition to renovate and now we’re almost done. At some point in the future I will do a full post (with pictures!) of just how totally grotty this house was — and what gorgeous work Mark has done to transform it.

So — good — time to relax and enjoy the finished house, eh?

Um — no!

We’re about to put the house on the market in about 2-ish weeks, hopefully sell rather quickly, and head back to Europe. Yes, we are both aware that Europe is in rather a lot of upheaval since we left — but we’ve come to the firm decision that Australia is just not where we want to spend the rest of our lives.

In preparation for a lot of new and exciting posts about planning the trip back, where we are going, who we are interacting with, how different life is on the other side of the world — all accompanied by gorgeous photography — I have changed the theme and the look of this website (do you like the Mid-Century vibe of the header?)

AND — I’ve made some new links that will lead you to all of the OTHER places where you can find me on Facebook, Twitter, Instagram, Pinterest, Google+, YouTube, and LinkedIn.

Things to accomplish in addition to (deep, DEEP sigh!) sorting, packing, selling furniture and cars, selling the house, donating a huge number of items to charity, booking all of the flights and hotels and making a travel schedule…
1. Finishing the book that I have been writing for the last year.
2. Creating some new e-books about the sort of non-traditional lifestyle that we lead.
3. Learning to make and edit small videos that will share our travels or be instructional.

Those are the plans — and that’s where I’ve been for such a l-o-n-g time away from this site.

Watch this spot — there may be even MORE changes ahead!

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A Taxing Situation in France

We still ache for France — we cannot lie about that. And when people here ask us why in the world we returned to Australia, we tell them quite honestly that we were unwilling to throw away any chance of EVER retiring in 20 years simply because the French government wanted 53% of our income in taxes. And so we are back.

The situation is apparently even worse now and we’ve only been gone a few months! This article in The Local from France shares the latest tax rate being imposed on the population — a whopping 56.61%!!! But we had barely finished gasping at that number as I read it aloud to Mark when I added the information about the planned increase in 2014.

How in the name of all that is sensible and reasonable can people survive on less than 44% of their income??? The current French policies are ruining the future of their country. And reading this article today has simply reaffirmed to us that we have made the correct decision for our future.

Yes, we miss our former French life and yes, we might eventually purchase a small house back there for our retirement years, but no, we will most certainly NOT be paying such a huge whopping chunk of our income to President Hollande and his cronies. It’s a personal opinion, but I think the future of France is being washed away as more and more young people leave France as soon as their education is complete and more and more older expats choose to opt for France as their country of residency if and only if they are retired. These trends are sad, chilling, and quite counterproductive for a place that we love so dearly.

Backlog Of Boxes and A Bit Of Backstory

Would you like to know WHY we moved into a new apartment in Melbourne 3 weeks ago and I am still unpacking? Here’s what I have been up against!

In addition to the delays in getting the internet turned on, we’ve discovered that just keeping this 1950 era house warm is a bit of a challenge. There is no central heating — not all that uncommon in Australia — and the entire first week was spent bundled in a lot of layers since the one and only heating unit had died. Many calls and emails to the agent later, we now have the same sort of flat panel Euro-style convection radiator in the main living area that we had in the last house that we built. Now if we just had double glazed windows and insulation!

We’re living in a very urban environment and it’s a lifestyle choice that we have consciously made. But it also means that we don’t have the luxury of just being able to nip out to the back garden to retrieve some stored item from the shed and we are having to rethink every single thing that we own.

When the movers arrived 3 weeks ago, I blithely told them to just put all of the boxes into the larger of the two bedrooms since that was going to be my office and studio. I planned to use that room as a ‘staging area’ to unpack. The garage was already full of Mark’s tools, so that was my one and only option. AND remember, we had shipped an entire shipping container over to Australia from France. Merde!

After the movers departed, I walked to the room that I had assigned as the ‘staging area’ and realised that I couldn’t even get into it. The boxes were stacked from wall to wall, they were stacked taller than I am in most places, and there was absolutely no place to begin. Here’s a picture that I took as they began filling it past any point of management! By the time they were done, I couldn’t even SEE those windows on the other side of the room.

A growing mountain of boxes on moving day when an entire shipping container arrived

I’ve managed to sort out the kitchen to the 80% organised stage and all of the furniture is in the livingroom and the master bedroom. We’ve even hung some pictures on the wall and I’ve filled the bookshelves. But I have also thinned down, down, down the amount of books we have and the local charities are getting a huge donation. Thank heavens we brought every single one of the Billy bookcases from France that we had purchased at IKEA in Toulouse. Who knew they’d come in so handy immediately to just wrangle the stacks of books into a manageable amount. You’ll note that even the smaller bookshelves were put to use as a kitchen overflow area to handle expresso cups from Rome, huge pottery bowls from Cley in Norfolk, UK, pictures of my two adult children, cookbooks, and our Wallace and Grommit clock looks down on us each day.

Bookcase chock full of books.

Even the small bookcases take the overflow.

Part of our issue with sorting things out was that we hadn’t even SEEN some of the things that were in those boxes for many, MANY years. Before they were shipped to France, they were stored in a storage unit in Ballarat, prior to that they were sprinkled between the house and several buildings out on our rural property in Central Victoria Australia, and before that they were packed up in Melbourne as we prepared to move to the country and build a house. I had to do a bit of mental backtracking, but I discovered that some of those items had been completely unseen for between eight to nine years. If all of those things were not incorporated into our day to day lives, they were invisible. Frankly, we’d BOTH forgotten how much we actually owned and in spite of all of those pre-Europe garage sales and donations, we now find that we still have a LOT of stuff.

Here is my current thinking on the subject…

Do I still place elaborate book plates inside my books nowadays where I write my name??? No.
Do I still place wax seals on the envelope flap when I write a letter??? No.
Do I still need multiple sets of flatware or silver trays for ‘entertaining’ when I don’t live like that any more and am more likely to entertain in a restaurant than our own residence??? No.
Do I still need to keep dozens and dozens of books on the topics of religious studies and spiritual studies and contemporary social issues since I purchased them 20 years ago when I was doing my graduate work, they are no longer current, and they use up a lot of bookshelves??? No.

I’m exhausted by the need to open every single box and touch every single item. But it’s also liberating even when it is fatiguing. I am paring down, down, down, but there are some sentimental items from my late mother that will go back into storage. And since I’ve been a photographer and journalist on and off for all of my adult life, can you even BEGIN to imagine how many folders and binders full of slides and negatives I have from the pre-digital days! Then there are the decades of hand-written journals. All of that needs to be checked and then archived.

Being truly honest, I had a mini-meltdown today when I couldn’t even turn around in that office in spite of unpacking for all of these weeks. I was awash in empty boxes, wrapping paper, and heavy duty shipping bubble wrap. I needed all of that to disappear and I need the shelves to go UP in that room and the cabinets to be brought upstairs so that the stacks and stacks of STUFF on every single surface can be placed in some kind of organisational flow. Aarrgghh!

Here’s where I am this morning. And LOOK! There IS a large and lovely window back there!

An office PARTLY cleared of boxes and previously stored items

It’s the ‘how do you eat an elephant’ theory I suppose. One small nibble at a time.

I haven’t disappeared (although it feels like it some days!), but I am very, very preoccupied with purging and nesting right now. (sigh!) I have so many stories and photos and adventures to share — but I’ll get to them when I get to them. I know you’ll understand that after all these years of semi-gypsy-and-never-really-settled lifestyle, this is a VERY necessary stage of sorting out.

Bye for now!

Rolling With Retro

Seriously, Deborah? The movers aren’t even picking up the household goods until Saturday morning to send it all on to Australia and you are already feeling ‘nest-y’ again?

Mark and I have embraced the Mid-Century look over the last few years and just as we were leaving Australia, we bought the cute little ‘Sputnik’ table that you see in this photo. Mark refreshed the top with a bright red gloss and the black iron legs and little feet at the end (a punchy lime green) are the original colours.

A fabbo gift — a rocket style lava lamp

What you see in the picture is my Christmas present which I never got around to posting three months ago when it arrived in France with a mere 48 hours to spare before Christmas Day. I always wanted a Lava Lamp back in the original time period but the other people in my life back then thought that it was silly. But guess who never let go of that love of Lava Lamps? Me!

I must have said something about it sometime over the last few years because Mark planted that firmly in his brain and he totally surprised me this year with this gift. And he tracked down the original manufacturer in England to order this totally fabbo rocket ship version. It’s simply hypnotic to have it on in the background of a darkened room while you are watching television or just sitting quietly.

Now I can’t wait to get UNPACKED in Australia and see it again!

Toast The Tax?

Saw this poster in a window here in Newcastle Upon Tyne in the UK and I thought it was worth following up on. What did it mean? Were toasted sandwiches really going to be taxed on top of the cost of the sandwich?

Poster in the window of a shop in Newcastle Upon Tyne protesting the government’s application of a 20% tax on toasted sandwiches!

That turns out to be exactly what is happening. As this online e-petition explains, the UK government has decided to apply VAT of 20% onto what is charged for toasted sandwiches even though the other countries in the EU have already done away with it.

What an insane and greedy grab for cash by the government in a time of extreme financial hardship!

Counting Down to Departure from Northern Hemisphere!

It’s now only ONE WEEK until our household goods get picked up by the moving company! I’ve spent my day filling out ‘Unaccompanied Goods’ forms for the Australian Customs folks, refining the inventory sheets so they know what is in every single box we have packed, getting specs online for our fridge-freezer to ship back to AU, and finding out what the coolant in that appliance contains (nothing negative, thank heavens!).

Australian Fridge Form

I was and HOPING to find some time to do photo editing this afternoon and I am SO far behind and my agencies in New York and London are awaiting images that should have been there already. Sheesh!

We spent the day at Hadrian’s Wall yesterday and in spite of the breathtaking cold, we had a wonderful time. That will be a future post full of pictures, but it might have to wait for awhile.

Back to work I go!

SAVINGS on Travel Insurance for Overseas Trips

Whether you are an expat, a round-the-world traveller, or simply someone who is headed off on their annual holiday, a comprehensive travel insurance policy is a VERY necessary item when you leave home. And anyone who fails to purchase such an essential thing may be taking their lives and their financial future in their hands. Rather a lot of people think that they are the ‘lucky ones’ and that no accident or theft or illness will befall them because they are alert and aware and prepared. But, as I can share from personal experience, life’s a little messier than that!

Before you even make a travel insurance purchase, there are ways to save on your overall costs. They usually mean you have to be patient enough to look at quite a few online options, compare the coverage, decide what you don’t need to trim things down a bit, and then consider paying a higher excess or deductible.

Why pay for action sports coverage if that isn’t your thing? And if you aren’t carrying a lot of tech gear with you the way we do, you can probably use a more budget-oriented company that’s a bit ‘no frills’ except on the essentials like medical coverage and missing luggage.

In the past, we have repeatedly used World Nomads as our travel insurance provider. I have nothing but the highest praise for this company and would recommend them to anyone. They were quite reasonably priced, were very pleasant to deal with, and we were quite satisfied with the service we received when we unexpectedly had to make a claim against travel insurance for the first time ever in 2012. They paid a week-long hospital bill for me when I was incredibly ill in France last summer and I would have been stuck with that hefty bill if we had not had an active policy at the time. An episode like that is one of the reasons that I continue to remind fellow travellers to ALWAYS have insurance because the unexpected really does happen more often than you can imagine.

That hospital visit left me in a tricky position though. I now have what’s known as a ‘pre-existing condition’ since it is an issue that could potentially reappear in the future. World Nomads was quite clear on their website when I checked a few days ago and it stated that yes, I could purchase travel insurance that would cover all of the other things like lost luggage or cancelled flights and so forth. But they would NOT COVER any medical issue that had been paid out in the past. On my!

That set me on an almost 3-day search of site after site to try and find good quality travel insurance that I could purchase by simply being honest, stating that I had been hospitalised for a previous issue, and paying a slightly higher premium. Easy, right? But when the companies that I was researching were moving from my budget-target of £500 for the two of us for a 6 week trip and zooming right up to over £1,200 for that short a period, I was a bit stunned. We paid that much for a full year of comprehensive travel insurance a mere 2-1/2 years ago!

I looked at quite a few companies in the UK and discovered that, one after another, they rejected our applications because Mark was British (so he was eligible to buy a policy), but I was Australian and therefore was not. Telling fibs and pretending to be a UK citizen or resident wouldn’t have been a good idea since it would have negated the insurance coverage completely.

When you are preparing to purchase your own travel insurance, you will need to make sure that you answer truthfully what country you are a legal resident of. Since we’ve given up on living in the UK and I didn’t bother doing the paperwork to become a legal resident, I am still a citizen of Australia so I did a web search on insurance for pre-existing medical conditions from the Australian Google site. Simply search from your own country so that if there is ever a problem, they can air-ambulance you back to your home country.

Some of the bigger companies that I included in my search were BUPA, Travel Insure Direct, Medi-Bank, Worldcare.com.au, and 1-Cover as well as the policies offered by banks in Australia. They were all over £1,000 for 6 weeks and CoverMore was the most expensive at £1,249.

Finally (whew!) on Day 3, I found what I was looking for — insurance that covered everything, had a medical certificate stating that I had declared my condition, and we were both covered for all the rest of the baggage, delays, and such. AND, triumph of triumphs, it came in at under £500 for the two of us.

The company we are using this time is InsureAndGo and they have branches in several countries. Securing that insurance for our upcoming trip was the final puzzle piece for the adventure ahead.

Come back soon for more pictures from Newcastle Upon Tyne!