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Old 07-02-2017, 05:33   #1
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Presentation of 8 years of cost data

as some know we publish our cost data each year and we have just finished our 2016 spreadsheet - now the issue - I had gall bladder surgery last year at about 11k - so I can show the total but it would be a bit not like the other years in terms of what it costs to do what we do -
or I can remove it and show year to year and a comparison -
or present both

What do you think would be most beneficial?
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Old 07-02-2017, 05:50   #2
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Re: presentation of 8 years of cost data

I would say it's an expense, show it. Of course if you decide its not a privacy thing.
"stuff" is going to happen, there will I believe be (oh sh**) moments, dismastings, engines, transmissions, new sails, yes even medical expenses.

Hopefully you are fully recovered? Of interest to me would be where did you have the surgery, what decided you on there? What kind of medical insurance do you have if any.

I'm sorry, not trying to be personal just as one that will soon be leaving, I still have more questions than answers
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Old 07-02-2017, 05:55   #3
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Re: presentation of 8 years of cost data

How about Excel columns showing costs of grouped items? Maintenance, boat food, boat alcohol, land food, land alcohol, insurance, registration, port fees, fuel, water, upgrades etc ?
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Old 07-02-2017, 17:17   #4
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Re: presentation of 8 years of cost data

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Originally Posted by a64pilot View Post
I would say it's an expense, show it. Of course if you decide its not a privacy thing.
"stuff" is going to happen, there will I believe be (oh sh**) moments, dismastings, engines, transmissions, new sails, yes even medical expenses.

I agree with this... I think that new cruisers get an obtuse view of the budget because many boats do not show all the expenses they incurred.

In your case the lesson would be to include a month line item for medical emergencies.

We have a healthcare savings account completely separate from our cruising budget.
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Old 08-02-2017, 00:40   #5
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Re: Presentation of 8 years of cost data

thanks we will include all
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Old 08-02-2017, 12:05   #6
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Re: Presentation of 8 years of cost data

The forum has a lot of international readers and there will be a great variety of health/social expenses. It will be interesting to see how these costs make cruising affordable or not.
As a Canadian reading that you had $11,000 (USD?) in gall bladder surgery expenses I am reminded that I need to ensure that I pay my $150 (Cdn) monthly extended health benefits travel and prescription drugs insurance in addition to my $75 monthly BC medical premium.
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Old 08-02-2017, 13:24   #7
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Re: Presentation of 8 years of cost data

I have insurance as I'm retired military but believe it only good in US and maybe it's territories.
Does the Canadian cover you overseas?
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Old 08-02-2017, 13:28   #8
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Re: Presentation of 8 years of cost data

I would throw out the high and low years, then average the remaining for a decent yearly cost.
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Old 08-02-2017, 15:11   #9
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Re: Presentation of 8 years of cost data

Either way with footnote would work.
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Old 08-02-2017, 18:13   #10
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Re: Presentation of 8 years of cost data

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I have insurance as I'm retired military but believe it only good in US and maybe it's territories.
Does the Canadian cover you overseas?
The $75.00 monthly premium is the provincial (state) health plan. The $150 global travel insurance is additional and purchased from private health insurance companies.
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Old 08-02-2017, 19:00   #11
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Re: Presentation of 8 years of cost data

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I would throw out the high and low years, then average the remaining for a decent yearly cost.
And then you would have a budget that isn't real
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Old 08-02-2017, 20:00   #12
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Re: Presentation of 8 years of cost data

Ok I am curious where you had the surgery performed?
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Old 08-02-2017, 21:05   #13
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Re: Presentation of 8 years of cost data

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I have insurance as I'm retired military but believe it only good in US and maybe it's territories.
Does the Canadian cover you overseas?


There is still a US military Veterans benifit office here in the Philippines and as far as I know the hospitals here honor the US medical benefits as my US Navy friends go there often
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