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It looks as if Phoenix will be a better option as the desert dryness keeps the vans in better condition than rainy Washington State. After bringing the fish onboard after a bit of a struggle as I had no flippers I realised not really a good idea as they are rather powerful and could easily taken off with the spear gun and me! Easter and Cerritos Beach Posted on April 13, They'll try to seduce you again. If your loan is to buy something. If things go wrong

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Back to top Debt and borrowing Before you borrow. Taking control of debt. The days starting to warm up, unfortunately the water temperature does not follow quite so rapidly. These warmer days have set us thinking about the dreaded summer months of July, August and September when we normally try to be somewhere else. This year thoughts have centred around buying a cheap motorhome in Phoenix or Seattle.

It looks as if Phoenix will be a better option as the desert dryness keeps the vans in better condition than rainy Washington State. Buying in Phoenix means we would enjoy a protracted cruise up the West coast of the USA, dropping into several friends we have made over the years. Mike and Dede our delightful cruising buddies and surrogate grand parents from Joss are kindly helping us out in Phoenix to find a suitable one.

Once up in Washington State we will definitely visit Rennie and Dennie down at Stretch Island which we visited in and The highlight will be reconnecting with Rennies mum, Nina and her magic blackberry jam that the boys so enjoy picking for.

A couple of our charter guests have provided some interesting fun and additional income. Our Mexican friends from Cab have bought a similar Lagoon in San Diego which they asked me to help with — unfortunately the selling broker and his recommended surveyor have, as far as I am concerned, been criminally negligent in their description of the catamaran. Apart from obviously been in some serious contact with a jetty the two main engines and generator were so bad that they will have to be replaced, totally irrepairable.

A sad discover for a couple of very pleasant, and unfortunately naive and trusting first time yacht buyers. Another couple was so intrigued with Sonrisa and our past cruising lifestyle that they have embarked on a yachting lifestyle, hoping to start a family and head out from the rat race.

They kindly asked me to assist in this adventure which has already been quite rewarding for all of us. This area is developing rapidly with numerous new constructions, restaurants and associated social centres. Not much had changed at the hotel, where our hosts kindly remember us.

The surf and the beach as appealing as ever — we will need to make the odd hour and a half drive more often. Looking back I see several months have past since the last update — such is life when cruising becomes second to domestic life ashore, school activities and the odd charter.

No question time passes rapidly as one ages, the boys sprouting at an incredible rate, though at times the intelligent quota seems to be left behind. So far so good as the anticipated high noise levels have been very subdued, and the proximity to shops etc very convenient. We manage to get out every few weeks if only to Espiritu Santo.

After Christmas we enjoyed a two-week cruise back to Isla San Francisco and San Everisto — as we have invariably found winds were very light so plenty of motoring. Spending time on Sonrisa is now a real treat as we have moved ashore and the thrill of leaving the dock to wander around is something special rather than the usual routine.

With school holidays starting at the end of July we headed North some miles to our favourite cruising grounds around Loreto. For 5 weeks we hardly saw another yacht and enjoyed returning into the cruising mode. Ben, in particular, doing well catching snapper and grouper our preferred dinner. WE had only one day with a bit of breeze and a few drops on the deck — truly magic cruising. For the first time while cruising I managed to spear a Mai Mai or Dolphin fish.

The boys were cleaning the days catch off the back of Sonrisa while I was swimming around the aft and along comes a nice sized Mai Mai, Ben grabbed the spear gun and I made a lucky shot.

After bringing the fish onboard after a bit of a struggle as I had no flippers I realised not really a good idea as they are rather powerful and could easily taken off with the spear gun and me! Nothing had changed over the years, we visited some new anchorages and plenty of old ones. We returned to La Paz in early September just in time to prepare for cyclone Lydia, which brought lots of rain, but thankfully little wind.

Sonrisa was fine, however our house Casa Tia had some problems with a wall falling and plenty of leaks. Now we continue removing junk from Sonrisa to prepare her for hopefully some charters starting in October.

After a delightful several months back in Australia it was time, in early April, to return home to La Paz with many changes rapidly approaching. Sonrisa was in good condition with our dear Friends Rennie and Denny aboard to welcome us back, quite a change from an empty yacht! We had hoped to move into our leased house in downtown La Paz at the end of April, but we are in Mexico so that was dragged out to the first week of June while the house had some major renovations and still is.

We trotted off to get our Mexican residency cards, arrange for Mexican bank accounts, Hauled Sonrisa out for the first time in 3 years so a busy time to say the least.

After 3 weeks in the house we are finally settling in, Mel and the boys adapting much quicker than me. While most couples at my age are probably contemplating retirement I seem to have it around the other way as we get Sonrisa ready for charters and Mel starts her Nutritional consulting ww. As the days really start to heat up, having some space and air con is a treat. After 5 months in Australia it is finally time to return to La Paz and Sonrisa — lots of changes as we move ashore and get Sonrisa ready for charters.

A wonderful time in Tasmania and Victoria visiting friends and family. Plenty achieved as the shed is now rented out and the farm looks a bit tidier.

Mel has just one more unit to complete her Nutritional Medicine course as she has finished all her practical units in Melbourne. We now have our Mexican Permanent Residency visas — the Mexican Embassy incredibly helpful, pity Australian immigration cannot be so helpful!

The boys completed several weeks of school at the Dunalley school, they were a bit sad to leave. The camping trip to Lime Bay with Kevin, our Californian friend a real treat, apart from some pretty usual Tasmanian weather.

We finally decided to keep our Tasmania property, who knows when we might need a safe place to return to! The wedding anniversary went as well as the previous, nearly, 20 years with lots of laughs, a few drinks and many memories to mull over, pity they come around so quickly. Now a month in Tasmania, with the boys enjoying the return to the Dunalley Primary school, their friends next door, Ollie and Ella and life amongst the gum trees. We wonder off most afternoons for an hour walk along Marion Bay beach, hardly a soul in sight, the moods of the Tasman Sea still entice us to contemplate the ways of the crazy world.

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PPI mis-selling is all over the news, but one prominent consumer lawyer thinks payday and secured loans could be next. Credit products obtained through this website are not available to residents of all states and state availability may change from time to time without notice. Modern debt is higher than it’s ever been, and with the increase in bad loans and credit card debt comes a corresponding rise in zombie debt.