Living onboard

  • 09 Sep 2013 06:13
    Reply # 1384618 on 1376860
    Deleted user
    One point you might consider is dont leave buying the boat until too near the time you want to go! dont underestimate the time you'll need to prepare for cruising, but don't get bogged down in getting everything complete, as much can be done along the way. 

    On the subject of buying the boat, friends here in Kudat bought in Florida - said boats were cheaper and they headed straight for Caribbean then Pacific - Brits by the way. Linda said all the boats they looked at in the UK smelt damp and mildewy!
    Last modified: 09 Sep 2013 06:18 | Deleted user
  • 08 Sep 2013 01:42
    Reply # 1383970 on 1376860
    Re banking and credit cards: I have a Nationwide building society account in the UK (who are happy to have a NZ address as my contact address.  A friend's of course as I have no fixed abode) and a Kiwibank account here.  With both of them there is a facility to contact them on line and say that you are about to go visiting another country, so would they please not cancel your credit card.  Nationwide happily sends me a credit card to NZ and I receive it well before the other one expires. 

    Sometimes filling forms out on line can be helpful.  I applied for a NZ credit card, thinking I'd be refused.  I tried to fill out the form as truthfully as possible, it didn't allow for me to put my residence as Nelson Marina (as was the case), so I had to put my contact address.  The form then asked me if I owned my home to which I could honestly reply yes.  If they chose to think I owned a house, whose fault was that?  So I got my credit card (on which I never pay interest).  As David says, it is good insurance to have two.

    For what it's worth, everything I own (bar a $60 bike in a friend's shed ashore) is on my 26ft boat.  I feel no need for anything bigger and can do most of my own maintenance.  I hope and pray that I will live aboard until they carry me off feet first.  I really, really do not want to live in a house ashore.

  • 07 Sep 2013 18:43
    Reply # 1383823 on 1376860
    Mark, as a UK citizen, be sure to keep a valid UK street address. I've had problems just using the PO box that Ship to Shore prefers me to use. You need it for bank accounts, credit cards, income tax, any investments, SSR boat registration, and probably more. These people really don't like you to be a "citizen of the world" or " of no fixed abode". 

    I have a Barclays current account (their online banking works well). Yesterday, they stopped my debit card, and phoned Ship to Shore, who emailed me. Then I had to phone back (thank goodness for Skype, because I can't get a cell phone in the USA, due to anti-terrorist federal laws), and go through an automated procedure to verify that transactions on my account were valid. This is because I keep popping up in different towns and different countries. Just one of the challenges to be overcome. Keep at least two credit cards, so that when one gets blocked, you're not completely stuffed.

    As Lesley says, there are challenges, and there is some problem solving to do, but it's worth it. Really.
    Last modified: 07 Sep 2013 18:47 | Anonymous member
  • 07 Sep 2013 15:51
    Reply # 1383770 on 1376860
    Deleted user
    Mark Thomasson wrote:

    Do you have a land base. 

    Home owner or just helpfull family and friends.

    Cruising grounds.  Hot - warm - cool.

    Problems.  (is laundry no 1? !!)

    Adavantages.

    Costs.

    Communications.

    and many more. 

    how long have you got? here's an eclectic selection of answers then based on 3 and a half years in Hong Kong - Philippines - Malaysian North Borneo.

    Do you have a land base:
    Yes we have two, one is our downsized home (A renovation in progress) and has all our gear in it, the other was emptied by garage saleing most of the contents. Very uplifting experience that was. A couple who needed to live in our village, used it without rent, in return for sending our mail on and looking after the place. Ie Keep the garden under control and do what you like with the place but dont involve our bank balance. Notaire drew up the 5 year agreement to protect them and us. Due to their ill health we now have the property back and the kids want to use it for holidays. We're offering it to friends and family on the basis that they share the overheads and pay for running costs when they stay. Remains to be seen how that will work in practise!

    Friends and Family
    Family member is coastguard contact for PLB (Personal Locator Beacon)
    A family member thinks we are 'like hippies' and we should 'settle down in one place so they know where we are'

    Post is sent on to friends who bin the trash, scan and email us the important stuff. They only Post on the docs we really need. They have a franchise business which supports Anglophones with property in France, we did a deal: they got our Berlingo when we left, in exchange for the mail service.
    Friends keep an eye on the 'building site' send mail on, strim the garden once a year - so they can harvest the Cherries and peaches. Were wonderful when I visited this year, picking me up from the Gare and plying me with vast amounts of french wine and local fromage du Chevre. Ditto Normandie friends, except it was calvados, cider and camembert there.

    Problems?
    None, only PLENTY of challenges to be overcome.

    Banking. This has been interesting.
    French Societe Generale Excellent. We have online banking and now mobile. I can send an email to our local branch, to the young lady who we have known for 8 years. She replies promptly, asks how we're getting on, does whatever we need, offers advice, reviews our account and saves us money by asking if we want to cancel services we aren't using. I sent a merry christmas email with pictures last December. The bank manager replied the next day. Totally wonderful. Popped in to see them all on recent Europe trip. That team are worth their weight in gold to us.

    UK Natwest Basically, do not cater for clients living on a boat in Asia, and conduct all their business by telephone and post. Do not seem to have heard of emails, cannot think outside the box. will only send cards out to registered address, so there's a time delay between sending it out to that address and it getting to us in Borneo. No, two weeks is not enough. We tried to preempt this and asked for new one 6 weeks before it expired. Ha Ha they cancelled the old one two weeks after they'd sent the new one out early.
    Telephone banking system eats our phone credits. When we've  arrived in a new country, needing local currency for sim cards, port dues etc... the first time we use an ATM, the Bank fraud squad blocks the card. We then have to call a UK number, (we now make sure we have credited our last phone sim and hope the roaming works) jump through hoops with passwords and inside leg measurements and then wait 15 minutes whilst they reactivate it. They dont do it when we visit UK, or Europe, but they do it on our return into the country we return to after the UK trip. Upside is, I get to write sarcastic letters of complaint that fall on deaf ears and they give us compensation for 'the wrong advice' 'excessive phone bills' and 'dhl shipping of bankcard to Kudat'

    We have never before spent so much money on shipping costs. Hard to get decent stuff locally although we do exhaust all possiblilities before resorting to Europe, Australia or the US. The first line of our shipping address is Crib - boat in transit. No use asking the sender to write it on the package, because the courrier puts it in their own wrapper and then customs want duty. Refuse point blank and email them the pertinent link to their website. it works.

    Local craftsmen are ingenious. Poorer (economically) countries actually mend stuff not throw it away, so you can get many things repaired at very reasonable costs.

    Language barriers and cultural differences can drive you potty and/or get you into trouble unless you make it your business to get your head around them quickly. Asia doesn't respond well to anger for instance. Dont ask is this.... some cultures dont like to say no eg Is this nylon rope - gets you a "yes" What is this rope? gets you a "polyester"
    Is this stainless steel? "yes" magnet? clunk. You get my drift.

    Laundry
    Make sure your stuff is DRY, you pay by weight. Get the price before you leave it and in writing. Or pay and get a receipt. We bought a wonderwash (google it) hard to find, but really works. We use rainwater when we haven't free supply of potable.
    We bought small hand towels locally and get through loads of them. easier to launder and dry than bath towels. We sleep on the bath towels.

    Hot?
    6 degrees from the equator, Extremely. That's why we sleep on the bathtowels!
    Made sunbrella covers for all the acrylic windows in our doghouse to preserve them. You'll need good awnings that are easy to put up and down. Dont skimp on quality and make sure they use UV thread. Wax topsides regularly to save the gelcoat, Plenty of layers of cheap varnish on brightwork then top with three coats of epiphanes perfection? for UV proofing according to expert in Hong Kong! Cover your sails. We mouse the halyards to save them, and stow all lines in sail covers when we're in port a while.

    Costs
    Depends where you are and what your budget is. Asia can be cheap as chips. Anchoring is cheaper than Marinas. Hang out in one if you're short of cash. No shops! local food cheaper than expat imports, Local markets are great, learn to eat new stuff, every country has its specialities and we stock up on those. Always carry plenty of supplies of basics in case you roll up somewhere where it costs more than you want to pay. I like 6 months minimum aboard. stowing it is interesting. Keep an inventory.

    Overestimate your boat costs and then add on some more. And then some.

    Advantages?
    Too many to list them all here. Amazing people, freedom, experiences, breathtaking sunsets and sunrises, deserted islands, weird insects, beachcombing, the satisfaction of overcoming challenges, opportunities for being ingenious, cameraderie of like minded people.....

    oops sorry, Kind of got carried away there. Everyone has different expectations and experiences. Main thing is, if you have a hankering to do it, get out there and try it. You can always come home if you dont like it, better than wondering too late if you could have done it!

    Bon chance!





    Last modified: 07 Sep 2013 15:58 | Deleted user
  • 03 Sep 2013 23:33
    Reply # 1380887 on 1380881
    David Tyler wrote:
    Who was it who said something like " take every opportunity that's offered, and then you'll never be sorry for what might have been".


    "Grab a chance and you won't be sorry for a might-have-been".  Commander Ted Walker RN (Arthur Ransome on the title page of We Didn't Mean To Go To Sea)
  • 03 Sep 2013 23:26
    Reply # 1380881 on 1376860
    Mark Thomasson wrote:

    Having reached that stage of life where a change is due, it soon will be time to buy a boat and do some serious sailing. 

    I see that there are 27 members listed as 'cruising full time'  which  I take it to be living onboard.  It would be intersting to expand this topic,  though not strictly junk rig related, I am sure of much interest to other members.

    Some questions:

    Do you have a land base.  Home owner or just helpfull family and friends.

    I've kept my wee house in Ravenglass as my back-stop, in case I wreck Tystie, and for when I swallow the anchor. It's rented out via an agent, which is not a perfect setup, but keeps some income rolling in.

    Cruising grounds.  Hot - warm - cool.

    A variety. It's all very well being warm in the tropics, but eventually you miss for the changing of the seasons, and start thinking about higher latitudes. Then when it's cold and raining in higher latitudes, you think about sitting under a palm tree with a mai-tai in your hand. 

    Problems.  (is laundry no 1? !!)

    Keeping your boat fixed in exotic places. Getting spares sent to you - so KISS. Having too big a boat, so that keeping it going becomes too difficult. Having too small a boat, so that you can't carry enough.  Laundry is not a major problem. Carry a big tub so that you can do it yourself, and take a day out for doing such things occasionally. Wear natural fibres, that don't need to be washed as often as as synthetics.

    Advantages.

    Going to awesome places that can't be reached by any other means. Seeing wildlife close-up. Meeting people of different cultures and backgrounds.

    Costs.

    Less than living in a house, if you lie to anchor when not on passage, and only come into town for stores, communications and a taste of civilisation, which is nice when you get bored with you own cooking. and want some different company.

    Communications.

    I use http://www.shiptoshore.co.uk/ to hold my snail-mail, and forward it to me when I ask. It's somewhat expensive, but reliable. (say I recommended them, and I'll get a back-hander!) My snail-mail is mostly financial things - they won't use email. All my family and friends know that email is the best way to reach me. The way to get internet access varies from country to country, port to port. Some places, I buy a dongle, others I use the library or cafes. In the USA, it's impossible for foreigners to get a cellphone, because of the paranoia over terrorists using "burners", other countries it's not a problem to get a new PAYG account.


    and many more. 

    Who was it who said something like " take every opportunity that's offered, and then you'll never be sorry for what might have been".


    Last modified: 03 Sep 2013 23:27 | Anonymous member
  • 30 Aug 2013 20:15
    Reply # 1378030 on 1376860
    Deleted user
    Mark Thomasson wrote:

    Do you have a land base.  Home owner or just helpful family and friends.

    Home base which we let out as a holiday let - means we can get back into it easily if we want or need to. Run by an agent who takes his percentage but earns it, the flat being rented almost 100% on a week by week basis.

    Cruising grounds.  Hot - warm - cool.

    Hot. Maddy lived in Cyprus as a child. Good job I like hot weather too.

    Problems.  (is laundry no 1? !!)

    We use anchorages whenever we can but winter in marinas, so no laundry problems except when at anchor and its cold/damp/rainy. Main problems I have are (i) striking a sensible work/life balance where work = boat and JRA work and life = everything else! and (ii) medical - I suffered a hernia end of last September and am still, 40 weeks later, waiting for an NHS op. So no sailing at all thsi year so far. Maddy has back problems that come and go. We're both 66 so such problems are to be expected (iii) keeping fit - expensive to use a gym so I do callisthenics/yoga on the pontoon unless we're surreounded by other boats. It amazes me how many people ask why I do them.

    Adavantages

    Close to nature - love watching the marine and bird life. No tv, but as we've got laptops it's tempting to catchup on them. Meet far more people than we ever did when land-based, and they all have something to say. Some marinas like Sutton Harbour in Plymouth are surrounded by live musicians in open air bars - makes me pick up my guitar now and then. The feeling of being 'different'.

    Costs

    Haven't really settled into a pattern yet. We spend more than we shoukd here in Plymouth (too many nice cafes and cinemas close by. You have to knwo what you can afford and live within it, obviously. Boat repair costs can come out of nowhere, so have a reserve budget. 

    Communications

    Mobile phone. Laptops and iPad via good free wifi in this marina. No need for a dongle but have used one successfully in the past, as does Annie. Care needed when comparing plans.

    and many more 

    Lack of space sometimes, even on a 39 foot boat like ours. The recent addition of a cockpit enclosure has been a revelation - suddenly we have an extra room, and it's watertight too. Medical as I said, in that medical records may not easily follow you around the globe. Get going while you still have plenty of years left.


  • 30 Aug 2013 02:58
    Reply # 1377413 on 1376860
    Mark Thomasson wrote:Some questions:

    Do you have a land base.  Home owner or just helpfull family and friends.

    No, but I do have a friend who will collect and forward any snail mail.

    Cruising grounds.  Hot - warm - cool.

    At present, normally warm, but a fire nice (in my case, necessary!) in the winter.

    Problems.  (is laundry no 1? !!)

    Bureaucrats are problems no 1 - 50.  Washing isn't too bad; drying laundry in wet/cold weather can be an issue, but hardly a problem.

    Adavantages.

    More efficient; smaller footprint; less expensive; constantly meet new people; wonderful views; less stuff; more healthy: exercise, lots of fresh air, etc; fun; what's not to like?

    Costs.

    Ideally, a little bit less than your income.  Otherwise, how long is a piece of string?  Do you bake your own bread or eat all your meals out?  Do you anchor or want to be in a marina with shore power and first-class 'facilities'?

    Communications.

    Mobile phone/broadband.  Talking face to face with people you meet.

    and many more. 


  • 29 Aug 2013 14:06
    Message # 1376860

    Having reached that stage of life where a change is due, it soon will be time to buy a boat and do some serious sailing. 

    I see that there are 27 members listed as 'cruising full time'  which  I take it to be living onboard.  It would be intersting to expand this topic,  though not strictly junk rig related, I am sure of much interest to other members.

    Some questions:

    Do you have a land base.  Home owner or just helpfull family and friends.

    Cruising grounds.  Hot - warm - cool.

    Problems.  (is laundry no 1? !!)

    Adavantages.

    Costs.

    Communications.

    and many more. 

       " ...there is nothing - absolutely nothing - half so much worth doing as simply messing about in junk-rigged boats" 
                                                               - the Chinese Water Rat

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