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The Division also publishes online reports summarizing payday lending in Alaska. 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! Consumers are urged to use caution when applying for payday loans because the interest rates and fees can be high. You can request a copy of your credit report online at www. Navy Federal Credit Union 9. Each one of us could make the difference.

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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.

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.

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