Tag Archives: Island Life

Baby Boomer Retires – Take 1

(Continued from Be Careful What You Ask For … )

I was numb with excitement.

I couldn’t believe our good fortune and the timing was FANTASTIC! I accepted the early retirement offer and all of a sudden, I only had a month to work! It was a fantastic financial package. I got about a year’s salary, plus all my retirement fund and they rolled it all over into my 401k, so it didn’t get taxed as income until I took retirement distributions. WOW! And health insurance, too! It was too good to be true!

But whoops! Guess what – it meant that – all of a sudden – no more nice juicy paychecks for me! I hadn’t really expected that!

The next few months were a blur. Somehow our lovely, house of our dreams sold quickly and for a good price. Of course the equity was not as much as we expected. And the move cost more than we expected.

My numbness and excitement were slowly evaporating – to be replaced with some sense of reality…

The “fixer-upper” was definitely all that and so much more! When we bought the house, we hadn’t expected to be LIVING IN IT while we did the very necessary renovations. The cottage cheese goop, the drywall mess and doing dishes in the bathtub were just a few of the challenges we faced. Of course the kitchen remodel cost more than we expected.

We had this fantasy that we could do almost everything ourselves. Russ and I could be like the couples on the HGTV renovation shows and turn this rat trap into a thing of great beauty – of course we could! We hadn’t expected that even though we were young to be retired, maybe we weren’t THAT young! By the time Russ had scraped the cottage cheese ceilings off in all the rooms, worked with his brother to do the drywall, ripped out the kitchen cabinets, floors and a few walls, and I had painted all the interior walls and ceilings 3 times, we both had to check ourselves in for months of physical rehab!

We ended up having the flooring done professionally and of course it cost more than we expected. We ran out of money and couldn’t tackle the bathrooms or the downstairs renovations. So those would be phased in over the next decade (yes we ARE now finished with the interior!) Siding and roofing still left to go…

By the first year’s end we started to notice was that we were running a bit short on money. Russ had some contract work which brought us some income, thank heavens. But we had pretty much run through the equity money like a couple drunken sailors during our remodel and even run up some construction credit card debt at the new Lowe’s. We didn’t expect to STILL have remodeling left to do and to be in debt and out of money. We didn’t expect our living expenses to be so high either! Even though we didn’t have car or house payments, and the cost of living here is much lower, it was obvious that we needed to do something. We were proud that we hadn’t tapped into our actual retirement savings – yet. Through it all, we still had this feeling of a being a couple of kids on a great adventure.

We got our 1st health insurance re-enrollment package for the next year. Oh, we hadn’t expected the cost of it to almost double!

We needed to spend less or get more money coming in. My cocky little attitude about retirement planning and saving was starting to shrivel up. My optimistic “glass half full” mentality was shifting to “half empty.” We needed a new game plan to fund our “Island Adventure.”

(To be continued)


Island Ferry-Follies – Continued…

Just before our ferry landing agreement was expiring, I wrote about what that ferry means to us – and the frustrations of depending upon our County representatives to negotiate a “new deal”  for a landing lease.  What I said in January and February still stands – bummer! 

We are now using our mainland ferry landing on a month-to-month basis – our County paying over $16,000 a month to the Lummi Nation for the ferry’s right to pass through a few yards of the Nation’s tidelands.  The negotiations are still being held in secret, with even the County Council being kept in the dark about any progress.  Our representation – a lame duck, retiring soon, County Executive and a Councilman who has publicly stated that he doesn’t care about us or our ferry.  Hmmm – something is VERY wrong with this picture.  They told us they would have a “deal” by June and that they were “on track.”   Now they are estimating even more months of negotiations and are again looking at using Fairhaven as an alternative ferry landing.  From where we Islanders sit, it seems that there has been absolutely NO PROGRESS since the beginning of the year.

So, many of us have banded together to have someone represent our basic right-to-a-road-to-the-island needs.  We have formed Protect Lummi Island Community (PLIC); membership is growing; lawyers are now working to represent our needs and to help us have a louder, more effective “voice.”  

Sometimes I wonder why we even bother to pay our County property taxes, when our representation is so ineffective.  The bright side?  If this goes on much longer, we can all ask for reassessment of our property values and our taxes should go down considerably.

What happened to Spring?

May has almost run its course and now we have howling winds, rain, and dis-energizing grey skies.  At least I had the foresight to sneak in a quick mowing of the lawn yesterday during a break in the weather.  I did as much as I could before the mower ran out of juice, and the sky opened up, soaking me and the yard.  We’d been gone a mere four days, helping my sister move across and out of our state.  Our lawn was clipped nice and short before we left.  It was about 6 inches tall upon our return!  We can mow at least twice a week this time of year.

Boise ID was about 85 degrees!  Ah, such warmth for our tired-of-driving-for-two-days bones!  On the return trip, we made a stop in Yakima WA  for a little sip of Wine Country and a stay at the Rosedell B&B.  Paul and Holly, owners and restorers of our inn for the evening, made us feel very welcome.   They shared their story and pictures of the renovation of their museum-quality mansion – now this Bed and Breakfast.  Toasty warm air – almost Summer, we thought.  We found Windy Point Vineyards just before they closed that evening.  We had time to taste and purchase some of their award winning wines.  Atop their hill we could gaze upon fruit trees and vineyards as far as we could see.  Before turning in for the evening, we had some of the best Mexican food at Santiago’s for dinner in the “corkage-fee free zone” of old-town Yakima (we could drink a bottle of our newly acquired Yakima wine, without being charged for having it opened.)

As we left Yakima the next morning, it started sprinkling, then pouring.  We took Paul’s recommended scenic route, to avoid I-90 road construction delays.  What a surprise to have almost-snow falling on us at the summit!  Brrr!  SEVEN hours later we were home!  Those scenic drives can take twice as long, can’t they?!

After a flurry of getting caught up activity yesterday, I feel restless and yearn for sun – it does peek out once in a while.  I don’t really want to do any more laundry and bill paying!  Outside is where I belong now!

The electric mower I bought last summer is recharging and I see a green light – maybe I can sneak out and finish up the mowing, if the winds have been strong enough to dry out the rain soggy lawn.  I call it a lawn – when we moved here, it was at least a couple feet tall – a tiny meadow of weeds.  Several years, a couple of weed-eaters and lawn mowers later, we have coaxed it into behaving more lawn-like.  Great for croquet, an island style (curvey, hilly, dandelion pock marked) course.  And then a few years back, after getting the so called lawn under control, we cut out huge chunks of it to develop flower beds. 

My bliss is found most often in the garden.  I’ve almost accepted that I *must* rush out into the yard, whenever the weather permits.  You never know when the next opportunity might arise (or not) … 

OK, I’m going to go for it – I see a break in the clouds!!

Island Experience – Ferry-wise and Otherwise

It sounds like a cliché, but it really was “love at first sight!”  Ten years ago, our next door neighbors in northern California owned a little trailer on Lummi Island in the Isle Aire neighborhood.  When they heard we were vacationing in the Seattle area, they tossed us the keys and told us to enjoy a little get-away at their place.  Once we got here, we knew that this island was where we were meant to be!  Such beauty everywhere you look, friendly community, the reefnet fishing (in the rain even!), the cute little church, the old school; and of course “downtown Lummi Island” by the ferry dock, with our market, PO, Library, Grange, café, gift shop.  A year after first sitting in the Gooseberry Point ferry line, we were semi-retired, and had purchased and moved into a fixer-upper Lummi Island house.  We’ve been here close to 9 years, and are almost finished remodeling.  We are so grateful to be here, living amongst a variety of island characters we now call friends. 

The Whatcom Chief

We learned right away about our ferry, the Whatcom Chief, and the impacts of ferry dependence, mostly good but sometimes challenging.  At the time of our move, our belongings were unloaded and stored for a week on the mainland. Our close of escrow coincided with dry-dock – darned bad timing!  We had to pay extra (again) for our move because the regular moving van would not be able to fit on the ferry.  The cost of other deliveries really added up while we have been doing our remodel – appliances, cabinets, and construction materials – all coming across on the ferry.  We really didn’t mind, we were so enamored with life on this island.   And still are…

We islanders sometimes whine about how we need a bigger ferry.  I grew up only knowing a VERY small ferry (5 cars I think) going between Balboa Island and Newport Beach, Ca.  The Whatcom Chief holds 18-20!  WOW!!  Or maybe you’d hear complaints about having to sit and wait for the ferry.  After sitting hours in Los Angeles traffic on daily work commutes, now sitting in such a idyllic spot is an opportunity to relax, enjoy the wildlife, chat with neighbors, and give thanks for being so blessed to live here!  Yes, we’ve grown to love our ferry, too!

The annual September ferry dry-dock is a special time for us that signals a quieter, less noisy pace of island life.  We enjoy meeting fellow islanders on the “walk-on” passenger ferry.  These are sometimes people we haven’t seen the rest of the year, or ever!  If the weather is nice, we love to climb up the ladder and sit on top of the boat.  The roller-coolers we bought during our first dry-dock still get used year-round when we “walk across” instead of driving onto the Whatcom Chief.

Naively, we never gave much thought to the possibility of a big change in the type of vessel or where the mainland dock would be.  The county has been consistently taking care of this ferry thing since 1925, we were told.  And this route has been in use for over 100 years! 

 Of course, we have been inconvenienced by the ferry rates going up over the years.  I am retired, my husband semi-retired.  We have 2 cars, one on each side.  We “walk across” and make fewer trips to compensate for the increases.  We know we are fortunate that we have that choice to lessen the impact of higher ferry fees.  As the rates rise, we will continue to adjust the number of our trips to town.

On just a trip-into-town basis, a passenger ferry works fine for us.  We use the Whatcom Chief that way much of the time.  I am retired, I don’t have to go into town often, and now rarely buy huge amounts or large items.  And whether the ferry lands at Gooseberry Pt or Fairhaven, it wouldn’t much matter to me, for those types of trips. 

BUT, there are many other considerations and questions to be answered…

  •  My husband is a substitute teacher in the Ferndale School District.  He is routinely requested by teachers of special needs kids – these kids are his passion and his specialty.  They need consistency, and the kids know him.  If we are forced to land in Fairhaven, that will put an end to his sub career – it simply won’t be viable, time-wise.
  • And of course the Ferndale School District – there are full-time teachers living on the island.  Will they be able to make the trip to Fairhaven and get to school on time?  Deal with the added expense?  What a long day if they can even make it.
  • And the kids – will they have to change school districts?  Will Beach School on the island become part of the Bellingham district, too?  Not the end of the world, but a lot of work and expense to change?  Upsetting to the kids?  Or how long will they have to travel to get to their Ferndale School?  Is that even legal to take that long?
  • How many islanders work on the reservation?  Or use the gym, or go to the casino, markets, gas station? What is the impact of an alternative ferry dock location?  Will they be able to continue to go to the reservation?
  • What if an ambulance is required for us or one of our visiting friends?  How often will there be vehicle ferry runs?  Will time delays mean the expense of more air medical evacuations?  Our mothers have each had medical emergencies while here, so this is a real concern.
  • How much is ANY solution going to cost?  Fare increases will definitely be a hardship for us, now that we face full retirement.  We will use it less and less.
  • It appears rates will go up significantly, unless we get some kind of subsidy.  If you combine rate increases, along with a change in mainland docking, delivery costs are going to go up for many things purchased from businesses north of Bellingham.  Will we continue to patronize them?  Smit’s Compost, NorthStar Stone, Samuels Furniture, propane, SSC garbage pickup, cement companies, firewood, livestock feed, etc.
  • What about the businesses ON the island who DEPEND upon ferry access?  Septic, construction, furniture makers, people with livestock, food service, etc.
  • And will our Island Library continue to operate?  If so, will it have to cut back services?
  • How will this affect some of our favorite Island businesses?  The Islander, The Beach Store Café, the Post Office, The Willows, quite a few B&Bs, vacation and regular rentals?
  • What if you are trying to sell your home?  Can you find a buyer?  And sell it for what? Can your buyer get a loan?
  • And if we get just a short-term extension on our ferry lease, will that put real estate on the island in a state of limbo for several years?
  • We appreciate being able to make “a quick run into town” meaning into Ferndale.  I wonder how much business Ferndale will lose, if we land in Fairhaven?  Has anyone checked in with their Chamber of Commerce or City Council? 
  • What happens to the people on the reservation if the ferry no longer goes there and they are stranded on their temporary island due to flooding, as in the past?  I guess then it would be ok to land there?

 What else?   Oh yes, why the secrecy on the part of the County and the Lummi Nation? 

 Bottom line for our little island community:  whatever happens – can people keep their jobs and homes, go to school, stay in business, get to emergency medical treatment, can we all afford the seemingly inescapable fee increases and other cost increases of deliveries?  Change, they say, is inevitable.  And we Lummi Islanders are a “flexible” lot – we will make every effort to make the short and long-term “solutions” work. 

But in some cases people “may be forced to move off-island.”  Whenever you hear this said, it is said in a very sad tone, because it IS sad – especially if you are forced to leave your home because of a change that could have been better.  The news is filled with very sad stories of unavoidable losses,  THIS is avoidable.

The county’s lack of foresight, planning and communication surrounding the extension of the ferry treaty, combined with secrecy and what appears to be incompetence finalizing the original treaty, seems unbelievable.   Now, will we just lie back, settle for an inept solution, and make the most of it?

If need be, will the lawyers of Protect Lummi Island Community (PLIC) intervene to prevent hasty, poor, and expensive decisions from being made as the deadline approaches (3 weeks away at time of this writing)?  Will the State or Federal governments step in to assist us legally and/or financially?  And while we’re at it, will we maintain a spirit of partnership with the vast majority of our Lummi Nation neighbors as we work through the complexities facing us all?  No matter what happens, they are still our neighbors and it sounds like they are not getting the whole story either.

Dry Docked!

Dry Dock officially started TODAY, September 9, 2009.

The anticipation of “Dry Dock” stirs up when the first rustlings of Autumn are in the air.  Dry dock for Lummi Islanders means:

  • it is past Labor Day
  • school is starting up
  • the tourists and Summer residents have left
  • it is time to get ready for wetter, windier weather
  • and oh, by the way, the car ferry has to go in for a tune-up and paint job!
  • for 3 weeks, islanders and visitors will “walk across” the water via a “foot-ferry”
  • no car traffic to and fro the mainland (we have no bridge)
  • time to park one car on the mainland and one on the island, if you have two cars
  • it is time to get to know our neighbors again!

Prior to dry dock, there were a couple weeks of noticable activity on the island as we (on island-time) suddenly realized that there was “stuff” on the mainland that we needed!  And if we didn’t get it soon, we’d have to wait a whole 3 weeks before we could “drive” it across.  For us it meant having wood for repairs delivered, having topsoil and compost delivered, stocking up on groceries, emergency water, paint, and a whole lot of other stuff that required us to stop at 13 stores the other day!!!  Islanders with construction projects had major deliveries rushed over – concrete, lumber, all sorts of building supplies.

But once the frantic preparation is over and dry dock has officially begun, the entire island seems to do a massive and collective  e-x-h-a-l-e .

For us, our first dry dock initiation was the most inconvenient.  The timing of our move to the island accidently coincided with dry dock.  This meant our belongings were kept in storage on the mainland for a couple weeks, until a truck could board the ferry to bring it all over.

Since then, we anticipate the whole process with an air of nostalgia.  We wouldn’t have it any other way – probably difficult for a non-Lummi-Islander to understand.  But if you took a poll, I think you’d find most of us here DO enjoy this unique, almost retreat-like atmosphere! 

And we do treasure our trusty (most of the time) car ferry, the Whatcom Chief.  She does deserve to be lovingly maintained and given a new paint job each and every year!


The Whatcom Chief

The Whatcom Chief