Welcome

Welcome to my blog and Journal. You are welcome to follow us as we explore the joys and the adventures of full-time RVing. Hopefully this journal will inspire you to experience the freedom to travel the beautiful USA.


Introducing ourselves

Introducing ourselves

Hendrik and Arabella Eksteen are South Africans both just turned 60 and proud to be called Baby boomers, and thank God still healthy and fit for travel. We lived in Pretoria before we started our adventure, we enjoy, traveling and exploring the world, we have 4 children and 5 grand children all living in South Africa.

I am a retiree from IBM after 39 years of service starting as an office products technician and after 10 years supporting the services business in various capacities, and being a Quality Assurer in the latter part of my working career.

Arabella started as a bank clerk, but her real claim to fame is being a wonderful wife, housewife and being a fulltime mother to our wonderful children. She also ventured into being a librarian, owning a crèche and nursing school with a keen interest in child psychology and child and parent counseling.

Some 15 months before our departure we have scaled down from our suburban house and bought a smaller place in a complex, and are busy scaling down again for the Full time RV living.

In summary we are just normal people, we lived an average suburban life, scraping our whole life to make ends meet, with a desire to travel, or “Head out on the road” as the Americans say, and getting out of the rat race. Our comfort zone will be challenged by breaking out of normal daily life, meeting new people, see new places and to try new things but that is what the RVing adventure is all about.

Would you like to contact me? Drop me an e-mail at hseksteen@gmail.com !

Preamble

Preamble

A life long dream of mine was to buy a Recreational Vehicle (RV), and to travel the USA on a Full time basis, for an extended period of time. A RV is a motorhome / caravan in our South African terms. In the USA there are millions of Full Time RVers following the warmer weather, traveling north in summer and South in winter, which is called Snow birding. Full timing is not just another short term vacation, as it requires detailed planning and it certainly is a dramatic change in ones life. In fact, it is an adventure that needs careful planning and execution to navigate around and avoid the many pitfalls that could turn this dream into a nightmare.

We plan to buy a Class A RV (bus like Motorhome) and a small compact car to be towed behind the RV, and tour the USA for an extended period of time starting March 2013.

When I started my research on this subject many years back, I discovered that there are many blogs and forums written by USA citizens which provide an excellent background on this subject, but unfortunately I could not find a single blog by an South African full timing the USA. This blog intend to fill this gap by sharing my personal experiences and the issues we faced before and during our adventure with others having a similar dream, and to also serve as a journal of all my travels that can be shared with friends and family.

The link below provide a Brits (UK citizen’s) perspective and many aspects are common to South African travelers, nevertheless together with this blog it makes is good reading and preparation material.

Throughout our travels I intend to update the information wherever possible, but it is important to check and apply the current situation and details yourself.

After 9/11 security and immigration issues became a major concern for the USA government. The onus will be on you to check carefully that information is still current and relevant.


Early Preparation 1 to 10 years in advance

Early preparation 1 to 10 years in advance

This started off as a dream, so the preparation really started +- 10 years before my retirement. Fortunately there are many RV clubs, forums, blogs and books available on the internet. You need to acquaint yourself with the RV life style and RV terminology and visualize yourself as an RV full-time traveller. You will soon realize that this is not just planning for a vacation but in fact an adventure that will lead to a complete life style and mind set change. Moving from the spacious sticks and bricks house into the confined living space of an RV is probably the biggest personal challenge you and your partner have to overcome. Don’t forget to involve your partner in this phase as she needs to be fully appraised and supportive of the idea, else you run the risk of aborting this adventure earlier than anticipated.

You and your spouse need no illusions about this life style and RVs confined space, and the dedication and commitment to make it work. eBay motors, see link below, is a great source of visual information with literally thousands of RVs of any type and budget for sale. The photo’s also allows you to understand what you can buy for your money and you can start planning accordingly.

Since you need some capital to buy a RV and a small vehicle you need to start save early? Older RVs can be bought for less than $10k and a used car for $2k. My target is set on $30 – 40 k for an RV and $10 to $15k for a small car.

Start to scale down on all you possessions as it is amazing how restrictive our ‘stuff’ cause one to think and act. I started to scale down from my suburban house to a town house +- 15 months in advance and I am going through the second cycle once more. Please don’t under estimate the psychological trauma and effort required to scale down. We all own too much “stuff” and I call it stuff because it really just clutters your space with things you do not really need. To break free of the normal suburban lifestyle into the carefree wondering world of a true RVer you need to free yourself from the chains of “stuff”. We decided to rent our townhouse, not to find ourselves completely out of the property market when we return, and one of our boys need a second car so we will lend them our small paid off car on the condition that we want to use it when we comeback home for our annual home trip. That should be far cheaper than renting a car. We stored the very sentimental belongings with our youngest son, divided everything else amongst the children, family and friends, sold it, or donated it to charity. Besides the house and the car we are down to 2 suitcases of clothes, bags of hand luggage and a laptop. We figured it is just too expensive to store furniture and crates over an extended period. Getting rid of all your earthy stuff is quite a relevation and I like to use the following analogy. The sense of relief and freedom you experience when you are freed from earthy belongings is very much like receiving redemption of all your sins. It is such a wonderful feeling of relief and freedom you can hardly explain to others.

In summary, I recommend you prepare yourself well in advance by researching, reading, and studying every internet site, books, forums and blogs, ask questions as the owners of the blogs and forums are very helpful and responsive to answer questions, and to discuss with your partner and very important save money. You will find the forums and links below very enlightening and it will lead you to many other RV related sites and literature.

Some useful Links:

THE BRIT VIEW - RVing in the USA.url - http://rving.sunpix.co.uk/
HitchItch RV Travel Adventures and Journals and RV Travel Resources - http://www.hitchitch.com/

Escapees discussion Forum - http://www.rvnetwork.com/

Full time RVer - FullTimeRVer.com
ebay Motors -
http://motors.shop.ebay.com/Class-A-RVs-/50056/i.html

RVs explained

RVs explained

What is a Recreation Vehicle (RV)?

A RV is a motorized or towable vehicle designed as living quarters for travel, recreation and camping. In South Africa we know them as caravans or motorhomes. Certain types are very basic and others can be very luxurious. There is literally one for every budget and lifestyle, new or used. There are over 7 million RV owners in the USA with lots of used RV dealers and units available. I will focus on the RVs suitable for full-timing and merely cover the basics of the others. Please do your own research, see links below, as what you buy really depend on your personal preferences, budget and lifestyle.

In the larger RVs the living quarters consist of a sleeping and living area, kitchen, bathroom, and dining facilities. On board systems include electricity, propane gas, heating, air conditioning, and water. And depending on size it can sleep 2-7 people. Living systems are self-contained for “Boon docking” (Dry camping or staying in an area without “Hook ups”), but when staying at camping grounds, most RVers hook up to electricity, water and a sewer drain, and in some cases even cable television and telephone connections. Many models include “Slide-outs” – sections of the side walls that slide out +- 1 meter when stationary, which provide extra interior room.

The RV Classes

Towable RVs - Designed to be towed by a separate vehicle. It can be unhitched and left at the campsite while you explore in your tow vehicle. “Travel trailers” which is similar to out caravans, are cheaper but “Fifth wheels” tend to have more living space and are easier to tow. Fifth wheels require a large truck to hitch and tow which means it is not an economical option if you want to explore around your camp site. Fifth wheels have their weight over the tow vehicle which is safer and easier to maneuver.

Travel trailers

Travel trailers are large trailers to be hitched to the back of the tow vehicle which needs to have enough power and torque to pull the trailer. Travel Trailers has the most interior length per foot, they are generally cheaper than a Fifth Wheel, but it does not have too much storage space and it is less stable to tow.

Fifth-wheel travel trailers

Fifth wheels are trailers that have a gooseneck front section that extends over the truck bed in the center of a pick-up truck. They are easier to maneuver and tow than trailers, with lots of storage.

Others that fall in this category are “Truck Campers”, “Pop-up campers” or Folding Camping Trailers, “Toy Haulers” or “Sport Utility” RVs, but these are not really suitable for full-timing.

Towable Pros (travel trailers and fifth wheels)

  1. They are less expensive and don’t depreciate in value as fast as motorhomes.
  2. Because they require a tow vehicle, you can leave the RV and use the tow vehicle for exploring.

Towable Cons

  1. The length of these RV’s also means parking and finding campsites can be problematic.
  2. It is illegal to have passengers in the trailer while traveling.
  1. Fifth wheel hitching/unhitching is much simpler that for the travel trailers but it remains a hassle.
  2. The tow vehicles are typical V8s and bigger and therefore expensive to buy, maintain and run than the tow behind a motorhome.

Motorhomes - A motorhome RV is built on a self-propelled chassis. The living quarters are accessible from the driver's area. They are more expensive to buy, run and maintain than travel trailers, but depending on the Class, they are luxurious and very comfortable. The Class A and Cs are not very practical for driving around town and exploring, but when you use them as a base together with a toad (smaller car which you tow behind), it starts to make more full-timing sense. No specialized driving skills and licenses are required as they handle a lot like cars and it’s easy to tow a vehicle behind for local travel.

Class A Motorhomes

This is the largest and most expensive Class of RV stretching from 24 to 40 feet in length. It is easy to drive on highways but it is too large to drive around town so a toad is required. It offers the most comfort, open floor plan living space, storage space, luxury - including a separate master bedroom, some even with an in suite bathroom and is very suitable for full-timers. You will be amazed when you look at them on eBay to see various floor plans and layouts. It is easy to drive similar to a small bus but it should not be confused with a “Bus conversion” RV which is generally aimed at the very rich buyers and it is super luxurious. They are usually wider, heavier with a bus like construction rather than a motorhome type of construction. Bus conversions also require a special driver’s license.

Class B Motorhomes

Class B motorhomes are the smallest and are built on a van chassis. They are generally too small for full-time living with very limited space, but easy to drive even in town and they are the least expensive motorized RV to own and operate, therefore they are more practical for short holiday trips. Due to its design Class Bs is considered safer RVs to drive.

Class C Motorhomes

Class C motorhomes are also built on a van chassis and its size and comfort fit between the Class A and B. The extended section over the cab which usually contains an extra bed is not very practical if you don’t travel with children. It is easy to drive, similar to a large moving truck. Because of the cockpit construction, it is considered a safe vehicle to drive but even the largest models may not satisfy the full-timers need for space.

Motorhome Pros

1. Passengers can freely move and pursue other activities while traveling (although it is safer to be buckled up whist traveling). This is a huge advantage in bad weather to get to the living quarters when you stop.

2. They are easier to set up and usually have self-leveling jacks so there is no need to get out and place boards or blocks under wheels to level.

3. Motorhomes allow you to tow a toad for exploring local areas, or going into town.


Motorhome Cons

1. If something needs to be repaired, your entire home has to go into the shop and you may have to find other accommodations for the duration of the repair.

2. Motorhomes are more expensive than travel trailers, even considering the size and cost of the tow vehicle needed for the travel trailers.

3. Motorhomes tend to depreciate faster due a lot of value tied up in the motor.

4. Hitching and towing a toad is a hassle and backing up / reversing with a second vehicle is problematic.

5. The cost and maintenance of the second vehicle must not be forgotten, but if you tow a small car for exploring, it certainly is much cheaper than running the RV.

6. Larger models with or without a toad can be difficult to maneuver in tight spaces and some camping sites may not accommodate such large units.

Our decision

We choose a Class A, even with its very poor fuel consumption, as we believe it is the most practical to live in and since we intend to travel a lot, it allows us to tow a small fuel efficient compact car. For some reason the Americans did not quite buy into the idea of fuel efficient small cars but they became more available recently. Our plan is to drive 200 miles between camp sites with the Class A RV, and then from this base, use the light fuel efficient toad for all roundabout exploring.

Your budget and personal preference may determine what you buy and whether you buy new or used. You have to weigh reliability, warranties, and the features you want against price. For the mechanically inclined, there are tremendous deals on used low mileage RVs at low prices provided you are willing to do a little searching to find a suitable RV.

Here are some links you will find when your search the internet for “RV Class”.

Recreational Vehicle Industry Association

Changing Gears -

Passports and Visas

Passports and Visas

Since this is a long term adventure it is advisable that you get or at least have a fairly new passport, valid for 10 years, as the USA Visa is for 10 years. You could still use the USA Visa in your old passport but the Canadians will only issue a Visa until your passport expire. Therefore it makes sense to have all Visas in your valid passport and not to pay the costly Canadian Visa application fees again just because your passport expired.

The first step in the USA Visa application process is to apply for your Visa in South Africa by electronically submitting a DS-160 online application. I recommend you apply for the visa +- 5 months before your departure as many arrangements are dependant on having a valid passport, and applying for Visas is sequential process. The Canadians seem to have no problem to issue a Canadian Visa if you already have a USA Visa. For Mexico you can apply for a Visa as you cross the border provided you have a USA Visa.

The USA embassy may want to interview each applicant, which they did for our first Visa application some 12 years back. For the renewal / new Visa they did not interview us, which made the process much quicker and simpler but don’t take this for granted, so be prepared incase they do require an interview.

To stay in the USA for more than 3 months a B1/B2 Visa is necessary. The visa is usually valid for 10 years but it is important to note that it does not mean you have the right to stay in the USA for 10 Years. The customs official at the port of entry will decide whether you may enter the country. If permission is granted, the I-94 card will be stamped with the date of expiry and the bottom part stapled in your passport. A period of six months is usually granted but it is possible to apply for extension whilst in the USA.

A detailed submission must be made at the time of entry. You will have to convince the officials that your intend is to travel as a tourist and that you have the means to do so. Also provide as mush evidences about your back home ties supporting the reason why you have to go back home so see to your local affairs. The following documents should help to justify your purpose of visit and temporary intend to stay:

1. Travel plans including where you intend to stay;

2. Invitation letter from a USA citizen or company will help;

3. Hotel or tour bookings and confirmations;

4. 6 months bank account statements;

5. Travel documents such as plane tickets;

6. Evidence of permanent employment and residence;

7. Strong social and / or Family ties in South Africa;

8. Letters from your children confirming their South African Citizenship;

9. Tax documents;

10. Recent earning statements;

11. Evidences of morgages;

12. Lease agreements or deeds; and

13. Any other relevant documentation that may help.

Should you wish to stay longer than the approved stay you need to clearly justify the circumstances for requesting an extension. Applications may take several months to process. In such circumstances the current I-94 may have expired before receiving notification of the outcome of an application. Official application-receipts should be kept to show that timely applications had been made and to avoid any charges of deliberately overstaying. Form I-539, Application to Extend/Change Nonimmigrant Status is available online or by post from US Citizenship and Immigration Services www.uscis.gov It is an offence to stay beyond the expiry date of the I-94 without permission - this can be a problem if you have applied for an extention but have not had confirmation to stay longer when your I-94 date expired.

You may travel across the border into Canada, Mexico or leave the country, and stay for up to 30 days on a current I-94 (provided it would not have expired before wishing to re-enter the USA) but a stay of longer than 30 days would mean surrendering the I-94 and applying again at the US border when wanting to return.

Since you will travel north in summer you may want to cross into Canada for a short visit therefor it only make sense to apply for a Canadian Visa as well. The Official Canadian Embassy site is very simple and the Visa application process clearly explained.

Once again please be prepared as some Visa offices may require additional supporting documents similar to what is specified above, however I did no t find the Canadian process as stringent as the USA’s.

A word of caution -The internet has many providers of migration services called Bureau’s, Law firms, migration experts, who intend to sidetrack you application to use their services. These sites look very official but they will charge you a fee for guiding you on how to apply. The Official Embassy websites see the links below, do have very simple and clear instructions that you need to follow. Please check constantly that you are still on the official embassy sites to avoid being caught by theses opportunistic providers of unofficial services.

The cost in late 2012 was roughly R1408 per person for both the USA and Canada. This may change so please check the official internet sites.

Links:

Official Embassy of the US Electronic System for Travel Authorization (ESTA). -

Official Canadian Embassy-

Flights

Flights

Having a valid passport is a prerequisite before buying plane tickets, and having tickets and a date of departure just put some finalization and urgency to your plans. It seems buying tickets 4 months in advance is a good time. The internet is a good starting point for comparing available fares. As you are not compelled to fly at peak seasons it is advisable that you schedule your flights off season when it is cheaper. Maybe it is just my imagination but I have noticed that when you obtain a quote from the internet, the first quote is always very attractive. When you go back later there is a marked increase in fares. The same applies to car hire, hotels and I am even convinced the travel agents use the same tactics. Whether this is true or not, it makes sense to use the internet and search for the best and cheapest fares to your destination. If you prefer to use the professional services of a travel agent, knowing what the internet offer, gives you an upper hand in the price negotiations. The travel agent will also try and sell you the much needed Emergency Medical insurance which I will cover in the next section.

If you intend to only come home after 12 months the ticket booking system only allow for booking return tickets 6 months after departure due to some system restriction. Airlines do allow you to change the return dates closer to the return time at a fee and this fee varies substantially between airlines. We choose Turkish Airlines as they were the cheapest fares and date change fees at the time and it also is an opportunity to stay over in Istanbul, where we have never been before, for a leg stretching couple of days.

b

Banking

Please note that this in not financial advise but merely a reflection of my experience. It’s very important that you seek expert advice from an appropriate financial advisor.

The Foreign exchange department at your bank is of great help and a good place to start. Important is that you sketch your financial plan and needs especially around the upfront capital needed to buy vehicles, and your ongoing monthly living expenses.

The foreign exchange is a tightly controlled and regulated environment, which is subject to changes in legislation and charges. Please use this as a guide to flush out all the correct answers as it apply to your specific situation.

When I started to investigate my financial banking options some 7 months before my retirement, I contacted Citibank by email and I got the assurance that, to open an USA bank account is a quick and easy process and can be set up through the internet. That left me comfortable, maybe too comfortable. When I talked to people about the banking plans, I could see some sceptical looks, but the penny did not drop that this will not so be quick and easy as I thought. Please start early, as this is stressful, will cause many sleepless nights, but it is a very important activity to properly plan and your plan should have contingencies and backups in place.

My ultimate goal is to end up having an USA checking account, as I believe it will just make life in the USA much easier and more credit worthy in dealing with USA suppliers and especially short term insurance suppliers. I will keep you posted on this development.

The various options available to you are explained below. For a short vacation abroad the normal Cheque / Debit and Credit cards will do the trick. It is not very suitable for the upfront capital needed for an adventure like this, as dealers are reluctant to be paid by credit card because the card companies usually charge the dealership other fees for the transaction. They prefer cash or bank cheques, and as you will see below the card option is also not the cheapest to effect such transactions. A combination of these financial tools are probably your best bet.

Cheque / Debit and Credit cards

This is very bank dependent and you should discuss and agree with your bank to get a handle on this. Use the table below as a guide.

These cards are very convenient but very expensive to use abroad. It has a place on shorter vacations and it certainly provides you with an excellent backup facility. As you plan to be away for an extended period, you do have the risk that cards may get lost or stolen and you maybe stuck without money if your bank cannot courier you a replacement to your destination abroad.

Cheque / Debit cards are viewed as credit cards, which mean the merchants abroad are also charged and fee for each transaction and that is not acceptable for car and RV dealers.

Using your bank online facility means that you can easily manage and transfer funds locally to where it maybe need between your accounts and also to and from your spouses accounts. This is the reason why I also obtained a Credit card for my wife as a further backup plan, but also to ensure that she will not be completely stuck should I suddenly die.

Please also understand your local cheque or savings account fee structure. Cheque accounts include a number of ATM transactions and payments per month as part of the base monthly fee you have negotiated with your bank. I was told that withdrawals abroad counts as a local withdrawal Savings / cheque account withdrawals count as if in SA, provided you stick to your banks partners abroad. For FNB City bank and Chase Manhattan bank ATMs fall in this category. Credit Card companies may make additional charges for foreign transactions.

Please check and ensure your card does not expire during your travel and VERY IMPORTANT these cards must be activated for usage abroad. This activation is for 6 months at a time so you may need to reactivate them if you stay longer by phoning the bank or card forex department.

Prepaid currency cards

At time of writing I found two brands providing these ”Prepaid foreign exchange” cards e.g. American Express.co.za with Nedbank as an authorized reseller and Cashpassport.com with FNB, ABSA and others as their authorized reseller. Other banks have other names for their cards, with subtle differences between them but in essence they are the same. Please enquire at your bank. These prepaid cards have to be bought and recharged in South Africa.

Benefits are:

  1. Withdraw cash from any ATM displaying the Visa/Master card logo;
  2. Swipe at any point of sales displaying the Visa/Master card logo;
  3. Accepted around the globe;
  4. It provides excellent 24x7 emergency support in case of stolen and lost cards;
  5. It is preloaded with your travel money before your trip, making it easy to stay within your budget.

It is cheap to use for most day to day expenses but certainly not practical and it is very expensive to use to buy the vehicles from. In fact I considered 2% of R600k as a rip off and since the RV and Car dealers are not accepting these cards it is also creating a security risk as you need to withdraw cash from ATMs, see daily limits below, and then pay the dealership when you have enough cash. The Investment option, see below, is much cheaper, convenient and less of a risk.

If you choose The American Express pre paid card it is best is to deal directly with American Express for better rates. In my experience the banks charge slightly more but the money are more easily transferred than dealing with American Express. American Express also has an arrangement with Flight Center whereby the commission is reduced to 1.5%, therefore negotiate the commission especially if you used Flight Center as you travel agent.

Foreign Investment Option

I checked with potential dealers in USA and none accepts credit card payments due to card companies that levy additional costs to the merchant. That caused me a nights sleep as I was really worried how to facilitate Cash or Bank Cheque payments given the card scenarios above.

I consulted with my bank and explained my problem and they suggested the Foreign Investment route. You need to get TAX clearance from SARS for investment, sign some 2 or 3 MP1423 forms upfront and when you know the detail of your vehicle purchase and the dealers bank account, you merely start the process through the Forex section on your online banking by completing the online form and submit it, send an email to your banks foreign exchange department, who will duly do the necessary, and 3 days later the money can be EFT transferred at a nominal fee R 850 per transaction, which very convenient, is MUCH cheaper than the card options and much more secure.

To affect this you will need your passports, Tickets, an ID document certificate, “TAX clearance for foreign investment” and your SARS Tax reference number. It is very important to note that you currently cannot apply for this tax clearance clearance for foreign investment on e-filing and you need to obtain the form from SARS. This Tax clearance must stipulate “tax clearance for foreign investment” and specify the amount. You will have to complete a SARS FIA001 form, provide SARS a 3 months of bank statements and a balance sheet of you assets with this application. A maximum of R4,000,000.00 per calendar year per person is allowed under this option. Such and application requires a 5 to 21 working days processing time from SARS. Should you run out of time, you can speed this process up by making a special request in person with supporting documents like your plane ticket. I was in this stressfull situation and once I had all the proof of leaving shortly, I received the tax clearance in one day.

The reserve bank and foreign exchange departments will track all you foreign exchange dealings no matter which card, bank or EFT and or other payment methods you use. Be aware Big Daddy is monitoring this closely, so carefully managed and track your spend not to exceed the R 4M Forex investment allowance per person.

There are many other foreign exchange currency tools to meet you needs.

Foreign currency e.g. Euros and Dollars in hard cash. It is recommended to buy at least some, not more than 2 months before you leave. Don’t delay this till the last day as not all banks sufficient carry foreign exchange and the transaction may take a couple of days to complete. This is ideal to cover some minor expenses for the first couple of days.

Travelers Cheques which is also prepaid currency cheques similar to the prepaid cards above. Again please do this with some time to spare as not all banks carry sufficient foreign exchange on a daily basis and it may also take a couple of days to provide you with foreign exchange.

Foreign currency - If you manage to open a bank account in the USA, this facility will allow you to transfer money from your account in SA to your account in the USA.

Paypal - which is a secure way for you to buy, sell, send and receive foreign currency world wide.

In summary

Morale of story is Cards and even prepaid cards is good for smaller day to day transactions, but to buy big ticket items, you need the Foreign Exchange investment to be agreed and set up.

The prepaid cards are much cheaper to use than the normal cheque/ debit / credit cards, if you have enough funds to transfer money upfront for the length of your stay.

Avoid funding the upfront capital buys from any card and use the investment option as the preferred tool.

VERY IMPORTANT: If you get a new cell phone number SIM Card in the USA to avoid the roaming costs, REMEMBER to change the SMS and Cell phone number on your banks online settings, else you will not receive your OTP and other critical messages. This is critical else you maybe stuck.

Ensure right now that your notifications are send to both SMS and email.

A combination of all of these makes sense and will probably be the answer for you.

Do document all the telephone numbers and email addresses of your contacts and at the bank and card departments. As it will be a great help if you need to speak to someone from abroad. Also test that you have them recorded correctly beforehand.

Emergency plan

From the above it is clear that relying on a single tool, is risky. You also need to consider what will happen in case you pass on. This is not a nice thought but it could leave your partner stranded when your funds are frozen.

It makes sense to split all funds and cash between you and your spouse. The spouse also need her own set of accounts and Credit card as backup.

When these basics are in place you or your spouse can easily manage the local accounts with online banking, and move funds as and where it is needed.

One card may not be accepted at certain merchants and hopefully the other card can rescue the situation.

Have I over engineered my emergency plan? Probably, but I will refine this based on experiences gained over the next 12 months

Comparison table

Description of service

American Express global Travel

Cashpassport

Credit Card

Buy the card

R150 per card but Free at time of writing

R110 per card

N/A

ATM withdrawals per transaction

$2.00

$2.00

R25.70 plus 1.6% per ATM transaction

Commission exchange rate conversion.

1.5% - 2%

1.875% with a minimum of R55.00

2.75%

Maximum balance

$40k

$60K

Unlimited

Point Of Sale Limit / day

Up to credit balance

$7500.00

Unlimited

Maximum withdrawal at ATM per day

$ 1500

$2500

Interest earned on positive balance

0%

0%

Refer to your contract

Exchange rate fixed

At day of recharge

At day of recharge

At day of transaction

Emergency replacement

Yes- backup card and courier where ever you are in 5 business days

Yes- backup card and courier where ever you are in 24 hours

No but confirm with your bank

Reloadable

Many times BUT In person in South Africa

Can arrange for monthly recharges in remaining of calendar year, even though you not present in person at the place of purchase. For the next calendar year reactivate the reload at the place of purchase once more.

Normal like Online transfers

Remaining credit payback

Yes

Yes

n/a

Validity period

Card has an expiry date which means it needs to be replaced but funds are not lost at expiry

Card has an expiry date which means it needs to be replaced but funds are not lost at expiry

See dates on your cards

Exchange rate sell rates

Not the same as the daily exchange rate you see on TV. It is higher or lower depending if you buy or sell sample TV=R9.08:$1

Bank was R9.29

Not the same as the daily exchange rate you see on TV. It is higher or lower depending if you buy or sell sample TV=R9.08:$1

Bank was R9.29

Not the same as the daily exchange rate you see on TV. It is higher or lower depending if you buy or sell sample TV=R9.08:$1

Bank was R9.29

Please note that this is not financial advice but merely a reflection of my experience. It’s very important that you seek expert advice from an appropriate accredited financial advisor. Maybe it comes easy for financial experts but for the majority of us this is a mine field and somewhat of a grey area.

Friday 26 April 2013


Meteor Crater and Walnut Canyon state Park
Between Winslow and Flagstaff on the Interstate highway 40 the Meteor Crater is only 6 mile to the right.  It is privately owned  and story has it  that the owners tried to sell it to the government  just after the government proclaimed the Grand Canyon at the turn of the 20 th century and the government response was at the time  that they just bought  a big hole and they don’t want another hole in the ground.    The fee to enter is $15 per person of over 60.  This hole turns out to be the best reserved meteor crater on the earth.  It is about 1 mile in diameter and it was caused by a meteor half the size of a football field some 50000 year ago. The visitor center features the American Astronaut Wall of Fame, and it played a role in the preparation to land man on the moon.  The astronauts were trained in this crater as it closely resembles the craters on the moon, and it has such artifacts on display as a boilerplate Apollo command module and a piece of meteorite found in the area.





Just before Flagstaff we briefly stopped at the Walnut Canyon for a quick sightsee and also in the hope to find a cheap State Parks campground for the night.  This park offers no camping facilities so we had to stay over in town and here the cap sites charge $30 to 40 per night.


















Look if  you can spot the dwellings againt the cliffs of the people that lived her in ancient times.

Web sites in case you interested in more specific detail:
en.wikipedia.org/wiki/Walnut_Canyon_National_Monument
www.nps.gov/waca/

Painted Dessert and Petrified Forest National Park near Holbrook AZ.
On our way from Gallup NM to the Grand Canyon we visited the Painted Dessert and Petrified Forest National Park. It is 23 Miles east of Holbrook next to the Interstate Highway 40 or also on the route 66.    This park was proclaimed in 1906 to protect and make available to public one of the largest petrified wood deposits in the world.
The Painted dessert  is a very interesting and colorful place to visit and in certain areas  it almost look like an oil painters pallet  with various colors mixed to show the different colors of red, brown , white, grey, blue  and if you lucky even green grass fields in between.   225 million years ago this was a steamy, swampy, equatorial climate with Hugh trees and dinosaurs inhabiting the area Today it is a dessert and  when you see the erosion that shaped this environment as you see it today, one cannot help to wonder where all the earth out to.  The same goes for Hugh parts of AZ and NM, as is evident in the canyons across this desert like states.      Nevertheless the vistas created by this erosion are spectacular and leaves one humble when you realize the massive forces at work over millennia.   Just look at the colors below.






Humans also lived in this area for at least 10,000 years, and several more modern Indian tribes have ancestral ties to this place.   A small pueblo partly excavated tells a story of +- 200 humans occupying this area in a village with 100 rooms.  This is an archeological treasure chest as erosion uncovers more archeological secrets every day with also include Dinosaurs.


The long colorful logs and the huge diameter of these logs of petrified wood indicate how fertile this environment used to be. Some petrified logs hide crystals and despite a century of crystal collectors vandalizing the environment a few crystals still hide in the Crystal forest part of the park.
Earlier environmentalists  tried to preserve this log over the creek by supporting it with concrete.  Nowadays the practice is for nature to take its course.

Just outside the southern entrance to the park Crystal forest museum and Gifts offers a wide range of Indian artifacts, Crystals, polished stones and petrified wood items for sale. They also have dry camping facilities for free, which is where we stayed for the night. 

Visit web page 
www.arizonaguide.com › Places to VisitArizona Parks & Monuments
www.petrified.forest.national-park.com/ 

Wednesday 24 April 2013

Gallup and the Red Rock Park
Gallup claims to be one of the last true Wild West towns in the USA as it claim to still have the untamed unpretentious spirit of the west.   It is often called the “Indian capital of the world” for its location in the heart of the Native American lands with many Indian tribes in the area. You will note all the American sightseeing   / tourist attractions boast abound being the biggest or the best in the world. It is a major Indian   arts and artifact area with 100 trading stores in town.  The town is also famous for the murals each with a unique style and captures the dynamic heritage and history of Gallup.  A short walk down town will lead you pass all these murals.  Compared to the world class art we saw in Santa Fe and Albuquerque this is very native in style.  During World War 2 the forces needed a communication code that the enemy could not decipher and the local Nevajo tribe’s language was used to develop a secret code known as the Nevajo code..  Local Nevajo Indians was trained and used  for the communication corps in the war.
Hispanic heritage murial
 
Nevajo code talkers murial
 
Inter tribal ceremonial murial
 
Native American trading murial
 
Coal mining era murial


Great Gallup murial


Gullup community life murial


Veterans memorial murial


Long walk home murial


The Indian culture and way of living reminds me of our rural South Africa, even with tribal lands and homelands of 18 years back.   If you are very interested in the Indian Culture and Spanish history the area can keep you busy for a long time.   After all these AZ and NM has the oldest culture and history in the USA going way back before the Europeans came to the USA.  We just find it overwhelming throughout Arizona and New Mexico, so we give the Indian and Spanish culture sights a skip.
The town’s entire existence is due to the railway running through town with no less than 100 trains per day passing through.  Early Coal mining and logging was enough motivation to route the railway through Gallap at the time. The famous Route 66 or Mother Road also run through Gallup.
 
We wanted camp in the Red Rock Park but upon our arrival a strong wind caused an unpleasant sandstorm and on insistence of the wife we had to find a more pleasant RV park to stay for 2 days.
Red Rock Park has spectacular red rock cliffs which was formed 200 million years ago.
The famous Church Rock is also in this park and many western movies were shot in this area.
See wind erosion in action look careful at the paterns


Church rock  looks much more impressive than this photo


White spires behind the red rocks



Note the white, red and yellow colours

Tuesday 23 April 2013


Fire and Ice
After spending another day in Albuquerque trying to sort out my NM driver’s license and NM ID for my wife we decided we had enough of big busy cities and head west towards the Grand Canyon. Besides my wife was getting very impatient by just hanging around and not getting to see any of the big WOW sites we both thought will be an every day event on our tour.  We are after all now one month in the USA mainly focusing on admin type stuff and organizing the very basics of al the necessities that needs to be in place.   We studied the maps and information at our disposal  and thought  the trip  to the Grand Canyon  will  take us out of NM state  but  if need be we can come back to NM  as it  is far but  not too far wrap up the licensing ID  and vehicle registration when we have received all the paperwork needed.  We planned to sleep over at Grants +- 70 miles from Albuquerque quickly see whatever there is to see and move on to Gallup the next day.
As we traveled the Highway 40 the landscape changes from the normal NM dessert almost Karoo like landscape to a glassy black rock, rolled and folded into crazy shapes and landforms with little trees and plants, crevasses and wrinkles in the surface of the rock.  It looks like some environmental disaster where some industry had dumped millions of truckloads of giant coal / charcoal all over the low lying areas.

This is a sink hole in a very large tube

Locals call it “the Bad Lands” and the first impression is real bad.  We will learn later that that a more descriptive name is in fact “The land of Fire and Ice”.   We found the RV Park where we planned to stay in the middle of this big black “coal” dump with the visitor center next to it.   Luckily we decided to go to the visitor center first and this is where the real enchantment started. The visitor center is an excellent source of information with a huge display area and theater with plenty of brochures and very helpful rangers advising on sightseeing opportunities.  The El Mapais National Conservation Area is the youngest National park in the USA park system, just celebrating its 25th anniversary but it has millennia years of geological history. The ranger told us about a Bureau of Land Management (BLM) campsite 20 miles south from the center and we decide to try it out instead.  After all the RV is stocked with enough food,  fresh water, propane as tank is full, batteries are fully charged and grey and black water tanks are empty and who wants to sleep in a packed RV park in a dump for a fee when  nature has so much more to offer for free.  BLM camping is usually very primitive and either free or at very low cost.  At this stage it was clear that El Malays has so much to offer that 3 or 4 nights won’t do it justice.  Arriving at the Joe Sheen campsite on top of a North South running sandstone ridge we found a newly upgraded camping area and each campsite with a very neat corrugated iron canopy, picnic table, a braai and a fire pit. No water or electricity or dumping facilities  but the RV is designed to be self sufficient for at least 3 to 5 days depending on how you conserve the onboard resources.   We found a fairly level site 30 meters from the edge of the ridge and let the jacks down and slides out.  Indeed a perfect campsite in the nature with the closest neighbors 100 meters away. Even more incredible, a strong wind was blowing from the west howling up against this ridge and through the scrubs, blowing right over our site with only a little breeze where we camped as the air was sucked up into the turbulence above our heads.  We could not have asked for a better site and it is all for free.

Perfect campsite at Joe Sheen  for free.

After coffee we went for a little sightseeing drive to the nearby Sandstone Bluffs which dazzled us with spectacular yellow / tan sandstone cliffs in the late afternoon sun with black lava on the ground, blue skies with patches of white clouds and green trees breaking through the lava.  No fewer than 29 inactive cinder cone volcanoes in this area with patches of snow still visible on Mt Taylor the highest volcano.  Further down the 117 road we also stopped at one of NM largest sandstone natural arch called the La Ventana arch, it is also amongst the largest arches in the USA, which resides in the high sandstone cliffs but it is very accessible by car with a short walk for the energetic.  It is an excellent example of the corrosive power of nature that carved up the Colorado Plateau.

Valley  with various shades of  lava  indication of the lavas age



The next morning we needed to stock up some groceries and fill the car with gas (a full tank of petrol is considered to be one of the essentials in this part of the world) in Grants. Traveling in the states like Arisona and New Mexico, means that you always have to be prepared for each and every conceivable hardship this diverse and rugged environment can throw at you.  That means enough water and food, hat and sunblock, full tank of gas, but also warm clothes, as the temperatures changes dramatically during the day. Venturing into the wilderness also means no mobile reception and internet large distances and few people to come to your rescue.  Temperatures swing from way below  freezing to 30 degrees C in winter to 10  to 45 degrees C in summer.
The El Mapais is very unique when you imagine and appreciate how the lava flowed through the thick forest at the time.  Lava flows are thick gooey masses of melted rock 2000 to 3000 degrees hot flowing like elongated mole heaps above ground at speeds of up to 30 miles per hour.  As it flow the surface cools and harden / solidify and forms a shell within which the hot flowing lava is insulated by this porous lava shell from the outside and so it keeps on flowing and building its own tunnel in which it can flow for 30 kms away from its source.   When the lava flow subsided it leaves a network of lava tunnels and caves across the landscape. Lava fows are in various shades of grey to black which indicates is age and the youngest eruption was some 300 years back.  Over time the tunnels do cave in, due to water  and snow, vegetation penetration like trees and roots  penetrating  each and every crevasse, and the major cause for  breaking down these formations is the dramatic changes in temperature on a daily basis,  leaving the rugged sharp edged  rock like  lava debris you see in the lava flow areas.  The area still has many lava caves where bats hang out during the day and feast during night on insects and mosquitoes. These tunnels also made excellent shelters and dwellings and natural freezers (this I will explain further down) for the early settlers due to Lava being such a perfect insulator.
On our way to the Ice Cave and Bandera Crater some 20 miles west out of town on route 53 we briefly stopped at the local Rodeo stadium where the kids were practicing their rodeo skills.  It was amazing to see how skillful the youngsters are on horseback charging into the stadium, jumping of off, catch a goat, turning it on its side, and tie the 2 hind legs with one front leg.  Some kids completed the task in 15 seconds.
The Ice Cave and the Bandera Crater the largest in the region, is privately owned and they charge $11 per person for the self guided tour.  It is right next to the road and the walkways is not too strenuous for lazy bums like us.  The reception is an old time trading post from the 1930s and the beer was kept cold with ice from the Ice Cave.  The trees in the areas escaped the logging in the previous century due to the rugged landscape; therefore the trees are up to 700 years old.  The trees growing in lava find it difficult to establish deep roots resulting in twisted gnarled trees that are also easily uprooted in strong winds.

Good sample of twisted tree

Walking up the crater path, sinkholes  in the lava tubes can be seen in various stages of collapse.  
Collapsed tube

As you approach the cinder cone crater a cross section of the volcano becomes visible.   The 10,000 year old volcano began as the earth starts to swell, eventually a crack appears through which high pressure lava began spraying out. Molten rock hardens in mid air and fell back to earth as cinders in all shapes and sizes. As the eruption continuous the cinder cone becomes larger and larger.  The elements present in most lava include oxygen, silicon, iron (red color), aluminum, calcium (white colors), magnesium, sodium and sulfur (yellow Colors), potassium, titanium and other trace elements.  There were 2 stages of the eruption:  first the cinder cone developed, and then a massive lava flow broke out on one side.  At the end of the eruption the lava suddenly fell back down the main vent making the cone deeper.

Cinder Cone

This part of the tour you can only sense where the fire in the name was derived from.  Now that happened 10000 years back you may say,  but also imagine black lava rock all over the environment with a summer sun  pounding down at 45 to 50 degrees Celsius,  with low rainfall that you can almost count by the drop,  it makes the Ice part of this marvel all that much more spectacular.

The other end of the reception area the path leads to the Ice Cave.  The Ice cave is actually in one of the larger lava tubes which caved in.  In the cave the temperature never rises above 31 degrees F or -1 to 0 degrees C.  As rainwater and snowmelt seep deep into the cave the ice floor thickens to its current 3 – 4 meters.   As you decent the mere 50 meters down the wooden steps in this open hole within the very hot black lava rock around you, you can sense how the temperature changes from hot to freezing cold.  Almost like your chest freezer at home.  The ice is actually very much in the open but the well insulated cave and the shape of the cave trap the friget air.   
Ol
Old trading post  now reception

Looking out from the Ice cave
3m thick ice all  year round

The fact that Fire and Ice, a mere 50 meters apart, coexist for 3400 years leave you totally amazed at Gods creation.

Tuesday 9 April 2013

South West NM


We traveled North West on route 180 to Glenwood about 65 miles northwest of Silver City on Saturday 6th April.   I wanted to see the Catwalk of the White river canyon.  Glenwood had a rummage sale where we stopped to see what is on offer.  Well I found a Hoover vacuum cleaner for $1 and a radio tape cassette adaptor for 25 sents all in working condition.  Just a week back I paid $28 for such a cassette to play the IPod music, well now I have one for the RV and the car.   My wife found some quilting books for a Dollar.   Wish I can find some much needed  tools this way.  The town also hosted the annual “Dutch oven cook-off” competition.  All dishes need to be cooked on open fire in cast iron pots.  We were too early for the feast but we bought some original soda.  At the time we did not meet or know the winner of this competition, for the 2nd year in a row, but the following morning in church, in Silver City, this very friendly elderly man introduced himself to us and  told us about his participation, but we only learned later that he actually is also the winner.
The Catwalk in itself was a disappointment.  After a little wondering along the San Francisco River we could only see the first part of the Catwalk.  The rest was under construction because they are afraid of potential flooding.  The catchment area had a severe fire last year which destroyed all the vegetation and trees which helps to control the flooding and the water drainage into the ground. Without vegetation any rain causes instant flooding especially in this very narrow canyon.  As a precaution the Catwalk was removed.  The Whitewater Canyon Catwalk is in the Gila National Forest. The Catwalk is 1.1 miles long, following the Whitewater River into the mountains alongside huge boulders, rapids and waterfalls. Originally built in 1890 as part of a gold mining operation, it was used by miners to reach the mines and bring slurry down to the mills. 





Traveling back we just followed our noses and stumbled upon a very interesting small lake called Bill Evans Lake with exceptionally blue water high up the mountains.  We later learned that all the water is pumped from the Gila River to this lake 300 ft above.






On Sunday 7th April we decided to visit the United Methodist Church in Silver City before we hook up and travel to Elephant Butte. I was not sure if the road over the mountain is RV friendly as the lady at the visitor center advised us against traveling this road.   It turned out that there should be no reason for concern.   There are basically on 2 ways to get to Elephant Butte e.g. the “long way 120 miles” and the “longer way 80 miles route 152”.  The longer way is the scenic bypass through the Gila National Forrest traveling a very narrow winding Emory pass over the Black range Mountains and travel time makes it a much longer and slow road to travel.  At places the speed limit was merely 10 to 25 miles per hour, which meant that the RV had easy going through the steep climbs and narrow hairpin curves.  This was a very spectacular and enjoyable trip.  Certainly my highlight of the day, but an experience playing very heavily on my wife’s nerves.





Despite the very low water level in the Elephant Butte reservoir due to prolonged drought, it was a very pleasant overnight stay at the Elephant Butte Lake State Park camping site overlooking the reservoir, this was cheap, $14 per night, considering that this was the best site we parked in thus far.  If you buy a “NM annual camping or day use pass for $240 per year the rate is a mere $4 per night.  We figured that it is not worth buying such a pass as we probably will not stay in NM for that long.


We had to find a Chase bank in NM to change the address on the Bank Account because to get a drivers license to need to provide proof of residence similar to the FICA requirements we have in SA.  I cannot get a license with a bank statement only under my wife's name.    It has to also reflect my name.  So we searched the internet and noted Chase bank is only in Albuquerque.  We found it strange that a national bank which literally had a branch on every street corner in Arizona has so few branches in NM. Nevertheless we traveled the 120 miles to Albuquerque just to realize the Chase bank is not a normal branch and only a finance house for vehicles.  Lesson Learned - not all national banks necessarily as branches in all states.  As Albuquerque is too far away from Arizona, I opened a bank account on my name with Wells Fargo.  They also promised to have a statement ready within 2 days which will hopefully resolve my proof of address problem.

On Monday 8th April, the drive on the highway 25 is a pleasant one with the wind behind the coach it was smooth sailing.  The lady at the Truth or Consequences information center recommended the Isleta Lakes RV Parkas it is out of town and a very pleasant area next to the Rio Grande River with lots of water birds and fishing in the wetlands. This is a tribal Indian area with the Hard rock Casino nearby. The rate of $37 per night  not exactly cheap.




Truth or Consequences, just south of Elephant Butte, is a very strange name for a town. Locals just call it T or C but it has an interesting history.  It gets its curious name from a 1950s-vintage television show that offered to film an episode in some little town far from Hollywood, if that town would change its name to match the show's. It was known for its Hot Springs, and New Mexico needed an economic boost, agreed to the deal, and has gained notoriety and consequently tourist business as a result.  The hot springs can be enjoyed at 10 commercial bath houses. All are located in the cool town's Historic Hot Springs / Business district.  The springs produce over 2 million gallons of clear and odor free hot mineral spring water per day between 102 and 112 degrees, these springs are considered one of the top mineral springs in the USA. There are over 50 pools and tubs in the downtown Spas



 The City of Elephant Butte is located immediately west of Elephant Butte Lake State Park, New Mexico’s largest lake. The area is ideal for year round outdoor activities including boating, fishing, and all kinds of water sport.  Nearby is also Spaceport America which is the first spaceport in the world built-from-the-ground-up to host private enterprise, intended to be the launch-pad of the global commercial spaceflight industry and the second space age. The $209 million project has attracted worldwide attention because of its bold premise, stunning architecture and the fact that it is home to the world’s first commercial passenger spaceline company, Sir Richard Branson’s Virgin Galactic.  Designed, built and operated by the New Mexico Spaceport Authority (NMSA), Spaceport America is nearing completion of the first phase of construction, which includes basic operational infrastructure such as an airfield, launch pads, terminal / hangar facility, emergency response capabilities, utilities and roadways. The site will be capable of accommodating the activities of both vertical and horizontal takeoff space launch vehicles, serving as the base for pre-flight and post-flight activities, and providing a tourism experience for interested visitors and spectators. The spaceport also presents a unique opportunity to excite students regarding space technology and the underlying science and mathematics.



Socorro  midway between T or C and Albuquerque features a couple of very interesting attractions like- Bosque del Apache National Wildlife Refuge  which is part of the national wildlife refuge system, maintained in part by the Friends of the Bosque, an all-volunteer group.  This is where snow geese, cranes and hundreds of other birds stop in on their migrations. Gorgeous photography in the winter months during sunrise and sunset - be prepared for the cold!  
Fort Craig National Historic Site is a ruin reachable via a short side road from SR 1 south of the Bosque del Apache. A quick visit gives you a sense of the bleak existence faced by the Army forces based here to guard transportation routes during the 19th century. No visitor services other than toilets.
Langmuir Lightning Laboratory in the Magdalena Mountains west of town, associated with New Mexico Tech, is a major center for atmospheric-science research and has a visitor center open during summer daylight hours.
Trinity Site. Site of the first nuclear bomb explosion, now a National Historic Landmark. The radiation has long since decayed to the point that the site is now safe for visitors. The White Sands Missle Range holds an open house at the Trinity Site twice a year, the first Saturdays in April and September. Unfortunately we missed the April open house by 1 day.
The Very Large Array, long considered the world's most sensitive interferometric radio telescope and still a first-rate instrument of astronomy, is about 60 miles west of town, beyond the Magdalena Mountains and the tiny town of Magdalena. Driving out west along US 60, it is surreal to come upon this shimmering, alien-looking collection of radio dishes in the middle of the Plains of San Agustin. Open year round during daylight hours for free self-guided tours.