Payday lending is illegal in New York for a number of reasons: His first unaccompanied flight, we were so proud of him as he set off. 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. The weekend before Mel finishes the FINAL part of her Nutritional Medicine course in Melbourne we managed to slip down to Foster to visit the boys Ben parents Ian and Lynne Lyon and most of their family who were seeing Sam, their son, off as he heads to Canada and beyond — lots of laughs and great food! Inform the bank that you would like to contest any prior withdrawals by the payday lender as unauthorized since the payday loan is illegal, void, and unenforceable in New York.
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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.
Pete and Annie, Mels folks have settled in, with their caravan conveniently parked outside the shed. Most of the inside of the shed is now tidy and all the accumulated junk removed. Plenty of grass cutting around the shed and orchard will keep me busy over the summer months, also grubbing out the dead Apricot trees. It has been good to catch up with my brother and Father after a long period, not much has changed there. The weekend before Mel finishes the FINAL part of her Nutritional Medicine course in Melbourne we managed to slip down to Foster to visit the boys Ben parents Ian and Lynne Lyon and most of their family who were seeing Sam, their son, off as he heads to Canada and beyond — lots of laughs and great food!
So Newton passed by with minimal effects to Sonrisa — electricity was out for a few hours with some 50 knots being recorded in the marina. A normal thunderstorm shuts down La Paz due to the poor drainage so it was a couple of days until the boys returned to school. Plenty of trees down but otherwise La Paz came off lightly.
It really is incredible that it was 10 years ago he crossed the Atlantic as a toddler, one really needs to enjoy these times, gone far too soon. We now have a week in Puerto Vallarta sin ninos for our 14 th wedding anniversary, another milestone I find hard to appreciate, again seems like last week Mel and I were working on Wild B in Italy. Just before we head to Tasmania in November our dear friends from Seattle Rennie and Denny are coming to stay on Sonrisa — a great opportunity for us to repay their incredible hospitality.
Tasmania will be an interesting time as we sort out our lives, Mexican permanent residency and whether to sell the farm in Tasmania. Vancouver really is one of the most picturesque cities around, with all the bicycling and walking paths we never had to resort to a car. The Canadian dollar being on par with the ozzie dollar made life that much more bearable and enjoyable.
So a big thanks to Gary and Jeanine for allowing us to stay for several days — a fantastic location. Finally a night in Denver at the Crawford hotel and a sumptuous meal with our ever generous host Chad McWinney — the meal at Stoic and Genuine, as last time, unforgettable — thanks Chad!!
Back in La Paz, with a pretty warm September — as I am writing this Hurricane Newton is some 24 hours away so the decks on Sonrisa looking very clean. Hopefully the 20 odd lines holding Sonrisa tight will be enough. We managed to get out to Espiritu Santo Island most weekends for cooler times and the busy school days. A few days to prepare Sonrisa for cyclone season — a very bare yacht with all sails, halyards, covers off.
We found a good home for Peluchie our family cat for the last 18 months, with 2 months away now and then the 5 month trip to Tasmania in November it was just too complicated to keep him on Sonrisa — a very sad day when he left. Our first stop in Seattle was to Denny and Rennies, our cruising friends from Columbia several years ago — such a warm welcome.
His first unaccompanied flight, we were so proud of him as he set off. Payday loans are designed to trap borrowers in debt. Due to the short term, most borrowers cannot afford to both repay the loan and pay their other important expenses. If the loan cannot be paid back in full at the end of the term, it has to be renewed, extended, or another loan taken out to cover the first loan.
Fees are charged for each transaction. Lenders ask that borrowers agree to pre-authorized electronic withdrawals from a bank account, then make withdrawals that do not cover the full payment or that cover interest while leaving principal untouched.
Ask your creditors for more time. Find out what they charge for late payments, finance charges or interest rates since it may be lower than what you might end up paying for a payday loan.
Work with a community development credit union or a non-profit financial cooperative, which may provide affordable small-dollar loans to eligible members. Ask for a salary advance from your employer, or borrow from family or friends. Consult social service agencies, they may have programs to help with food, housing and home heating costs. Contact your bank or credit union and provide an oral or written request to stop payment to the payday lender.
Your bank or credit union may require written confirmation of your request. Include your contact information in your request so that the bank or credit union can get in touch with you if necessary. Revoke the authorization for the payday lender to withdraw money from your account.
Follow the instructions in any paperwork you received from the payday lender, or send the payday lender a written notice with these instructions: Inform the bank that you would like to contest any prior withdrawals by the payday lender as unauthorized since the payday loan is illegal, void, and unenforceable in New York.