Showing posts with label Expat Advice. Show all posts
Showing posts with label Expat Advice. Show all posts

Tuesday, January 21, 2014

Expat Financial Advice: In the U$ Dollar We Trust (reposted from original location)

article from December 30, 2013
By Jamie Douglas

As 2013 draws to a close, many of us are wondering what may lie ahead for us in the coming year.

Where to place your trust

A little over three years ago, I wrote two articles – Basic Financial Advice for New Expats and a follow-up – urging my readers to not believe in all the false prophets of doom and gloom in regard to the US dollar. This is a follow-up on both of those articles, which focus on Latin America.

As we have all witnessed the boom and bust of the “nouveau riche” BRIC nations over that period, one nation that, until recently, seemed isolated from the world’s economic troubles has been Australia. But the Aussie dollar has lost over 15% in value over the past year, as China has been affected by the global slump and its demand for the mineral wealth in Australia has waned.

In its place, the Chinese have taken their hoard of 1.4 trillion US dollars to buy into the mines and mineral rights of other mineral-rich nations around the world, even landing in tiny Uruguay to exploit that nation’s meager iron ore deposits.

While global currencies have an uncertain future, with more problems forecast for the Euro Zone for 2014, the almighty US dollar has held its course, with the help of steady support from Ben Bernanke, and has gained substantially against virtually all Latin American nations’ currencies, with the exception of those currencies that are either fixed to the dollar or those nations that are using the dollar as their own currency.

A December 27, 2013, Bloomberg News analysis of Latin American currencies should be sufficient to convince all travelers and expats in the region to keep their money in US dollars or Swiss francs to protect their nest eggs. And as Jeffrey Grossman, president of BRG Brokerage, explains, “compared to all the other currencies, as we always say, even when it’s at its weakest, [the US dollar is] still the best horse at the glue factory. In 2013, the Dow Jones Index gained 25% and the Standard and Poor´s Index gained 28%.

Where not to place your trust

Never automatically trust fellow expatriates who want to help you invest your money in crash-proof funds or metals. In many cases, their job is to fleece you with fancy schemes to buy fractional ownership in vineyards in Argentina, teak farms in Central America or, worst of all, to get suckered into one of those pricey seminars to sell you real estate, urging you to invest in Colombia as if there was not a civil war raging there for the last 50+ years. The vultures at Escape Artist (Disclaimer: I was indirectly involved as a writer with these people several years ago, but distanced myself after I realized whom I was dealing with) and similar publications will gladly fleece you of your life savings ...but wait – I have a bridge for sale somewhere!

Enjoy the day, commit an act of selfless kindness and have a great new year!

Jamie Douglas
Still at large in South America

I encourage you to write me at cruzansailor [at] gmail [dot] com with any questions or suggestions you may have. Disclaimer: I am not in any travel-related business. My advice is based on my own experiences and is free of charge (Donations welcome). It is always my pleasure to act as a beneficial counselor to those who are seekers of the next adventure.

The Expat Mantra

article from July 24, 2012
by Julie R Butler

This is a point that escapes some people when they move abroad. Yes, they take note of the obvious differences, such as language, food, music, how people look and how they dress, which side of the road they drive on, and when the dinner hour is. But beyond customs, it just doesn’t occur to many people that there are other kinds of differences, such as ethical principles, legal systems, rights, and laws that can catch the unaware off guard.

There have been several occasions when I have come to the sad conclusion that people think that rather than being in a foreign country, they have merely entered a larger version of Epcot Center in Disneyland, and the “employees” are there to serve their every wish and desire, which is to have good old “American” style french fries with regular old catsup or to have A-1 Steak Sauce with their beef rather than chimichurri. (Asking for “salsa ah-uno” will probably not elicit the desired result.) Maybe they will get used to the exquisite flavor of plain and unadulterated all-natural grass-fed beef, and even find it pleasing, after a while.

Then there is the surprise when, faced with a sea of bureaucracy, with a legal advisor who is unable to expedite anything and, in fact, seems to only be shuffling papers, stalling, and piling on unforeseen fees, they discover that there is absolutely nothing that waiving their passport around and exclaiming (in English, of course) “I am an American citizen!” or even complaining to the nearest US consulate or embassy about having been ripped off or getting the run-around can do for them.

That is precisely what it means to be in a foreign country.

Ethics

There are scammers and con artists everywhere in the world, so it would not be fair to characterize any one culture as having more when, from the point of view of a newly arrived foreigner who does not speak the local language and is entirely unfamiliar with the country’s system of law as well as the specifics of the law in that particular place, it may seem like everyone is out to take advantage of you. Scammers have honed the skill of finding the most vulnerable people to scam. It’s their job.

It is therefore the job of the newly arrived foreigner to do their due diligence and learn all they can about the laws, along with figuring out whom to deal with, before engaging in any legal or serious financial transactions. Get to know people in the community, and then get references for the necessary lawyers, real estate agents, translators, builders, etc. – but not from the same organization that is looking to make a bundle of money off you in, say, a property sale. Ask a variety of other people who have gone through the same process that you are about to go through.

Latin American culture values time well-spent over expedience; arrangements for the future are often not considered to be very binding; and time frames can be even wider than when your cable company promises their guy will show up sometime on a certain date – we are talking weeks, here. In many places, it is a cultural habit to commit to things that one has no intention of actually committing to as a strange twist on what is considered to be politeness, as it seems to be more polite to say “yes” without meaning it than to be honest and just say “no.” It may even be the case that the society you are in is somewhat insular, and taking advantage of outsiders is not a reflection on how ethical someone is considered to be within that society.

These are all issues that take time and experience to learn about, so patience should reign for any new expat in any foreign culture. Do not allow yourself to be impatient, and if impulsiveness is your modus operandi, then try not to commit more money than you can afford to let go of, in case your judgment turns out to have been off base because you didn’t quite grasp the subtleties of a situation or were too trusting of someone you didn’t know that much about.

Legal systems

It may also be that the legal system is so convoluted and arbitrarily enforced that even the most competent attorney will not know exactly what to expect in each case.

Civil law systems are often characterized as such. People from the US and the UK are used to common law, so it is difficult to comprehend a system that emphasizes procedures over substance. For example, going through the various steps required to register a piece of property takes precedence over the deed to the property. You may be the owner of the title to a parcel, but unless that title is properly registered, you may not be the owner of the land that the title is attached to.

This system is vexing to anyone who believes they should be able to look at a list of required documents on a website and take care of the process themselves because the emphasis on procedures means that each official will interpret those procedures somewhat differently, and there is no way to know what each one will decide to emphasize.

Add to the confusion that the rules and regulations might change frequently. In this case, if you are undertaking a particularly complicated maneuver, by the time you have managed to complete all the necessary steps, the rules have changed, so you have to get a whole new set of signed and notarized documents and pay the new, higher fees that have been put in place, even though you began the process under an entirely different set of rules, regulations, and fees. Argh!

The expat mantra

These are just a few of the ways that things can be different in a foreign country. Just keep repeating the expat mantra: Patience and Due Diligence, Patience and Due Diligence, Patience and Due Diligence... Sprinkled generously with Oms, and who knows, maybe wearing special shoes and clicking your heels together three times might also help. Just don’t expect a wizard (or an ambassador) to show up with a bag full of solutions. And forget about transmogrifying yourself back to the farm in Kansas. Instead, think blissful thoughts of eventually getting your residency.

You are in a foreign country. Things are different here.

Julie R Butler is a writer, journalist, editor, and author of several books, including Nine Months in Uruguay and No Stranger To Strange Lands (click here for more info). She is a contributor to Speakout at Truthout.org, and her current blog is Connectively Speaking.
email: julierbutler [at] yahoo [dot] com, Twitter: @JulieRButler

Another Reason for Learning Spanish: Medical Emergencies

article from May 14, 2012
by Julie R Butler

Recent events have highlighted an important aspect that anyone considering living in a country where a different language is spoken should add to the list of things to think about – especially for those who are getting up in age or have medical needs that will require attention at some time or another.

It is easy to assume that when it comes to medical attention, doctors, who are obviously well-educated individuals, will have some English skills. Well, they usually do know some very basic English. But unless you are in a well-established expat community or a medical tourism destination where English speakers are specifically catered to, if you do not have a good command of the local language (or know someone who does who can go with you to the hospital at a moment’s notice), you may be putting you or a loved one’s very life at risk.

Medical tourism

There are many medical tourism destinations in Mexico that are located in the major cities, tourist resorts, expat hotspots, and just over the border. In Central America, San José, Costa Rica, and Panama City, Panama, are major medical tourism destinations, as well as serving the large expat communities in those countries.

In South America, São Paulo is a well-established mecca for cosmetic surgery, while doctors in Buenos Aires took advantage of the fall of the Argentina peso in 2002 to establish the city as an attractive destination for international aesthetic tourism.

In recent years, many other major cities throughout Latin America have also been striving to grow their medical tourism infrastructures, offering the medical services that people will travel to from more affluent countries in order to take advantage of lower costs or receive care that may not be readily available in their home countries. The services that are on offer are, of course, elective procedures that generally fall into the categories of dental, cosmetic, and therapeutic.

Beyond medical tourism

It is important to realize, however, that these medical tourism services are only one part of the medical infrastructure of any given place, and outside of these areas, there is no guarantee that English will be spoken by medical professionals in hospitals or clinics. In fact, it is highly recommended that medical tourists inquire into what will happen in case of an emergency by looking into the general state of health and medical facilities there as well as ascertaining whether or not language assistance will be extended by the medical tourism facility. The US Department of State travel website has an assessment of medical care in every country.

For expats who are not living in established expat communities or in locations where English-speaking is an important component of the medical system, it is a good idea to learn or at least know where to find some medical terminology. A good place to start is this Medical Spanish Dictionary. The site is easy to use, with both English-to-Spanish and Spanish-to-English dictionaries, a listing of medical vocabulary, anatomical illustrations, useful phrases for talking to a medical professional, and basic Spanish vocabulary words that are not medical but will be needed in a health care setting.

It is not easy to learn a foreign language, and many of us manage to get by at a level that is sufficient for everyday life. But perhaps the prospect of needing to be relatively competent in a moment of panic will be motivation for you to get to work on that Spanish!

Julie R Butler is a writer, journalist, editor, and author of several books, including Nine Months in Uruguay and No Stranger To Strange Lands (click here for more info). She is a contributor to Speakout at Truthout.org, and her current blog is Connectively Speaking.
email: julierbutler [at] yahoo [dot] com, Twitter: @JulieRButler

Thinking of Moving to Argentina? A Word to the Wise

article from April 10, 2012
By Jamie Douglas

Once a favorite destination for expats, Argentina is being turned into a sadly neglected country by nationalistic socialism, rampant political corruption and total economic ineptitude. Que lástima.

The government of Cristina Fernández de Kirchner is currently nationalizing whatever it can get its hands on, starting with YPF-Repsol and Petrobras, the Spanish and Brazilian oil companies that have been doing business in the Southern Cone nation because this country is unable to run its own oil exploration. These exploration companies, rather than dealing with one authority, have to pay off the corrupt local officials of every province they want to do business in, to hell with international treaties.

The nation is racing backwards at supersonic speed, and will soon be back in 2002.

Example 1: We live near a relatively large town with several major supermarkets. During Easter Week, they were out of milk for three days. While orange juice is a luxury here, selling for over US$2 per liter, stores rarely have it. Rice, sugar, flower, cooking oil, and even the beloved mate are all in short supply.

Example 2: Fuel stations are often out of fuel. Many times, the amount of fuel you are allowed to purchase is limited to AR$50, when they have it at all. Of course, if you have the extra US dollars per gallon, you can go to one of the rare Shell or Petrobras stations and pay more to fill your tank.

I actually got to fill up the modest tank on my Renault today. And the wait was only about 20 minutes. During the peak harvest season, many trucks waited in line for days to get fuel while the fruit and produce rotted. Nobody in the government did anything about it. Meanwhile, exports to Chile, Bolivia and Paraguay continued unabated. There are some highly intelligent people at work here, somewhere, but not in the government.

Example 3: The last time the economy tanked, it was because of fiscal mismanagement and the lunatic idea of tying the new peso, called the austral, to the US dollar. And a lunatic idea it was. It led to the biggest sovereign default in the history of the world. It makes Greece look downright attractive in comparison. A lot of it, of course, had to do with high-cost imports of luxury goods. After the catastrophe, the Argentine government decided to set up a free-trade zone in Tierra del Fuego, where they would manufacture air conditioners and assemble computers, fans, microwaves and all kinds of domestic appliances. That would be wonderful, if the consumer would actually save money on these domestic products. I took a close look at the tiniest of microwaves today just to see where it was made because it cost US$250 for the same kind you get at Wal-Mart for $30. Sure enough, it was made in Tierra del Fuego!

Item 4: Taking your profits out of the country:  Forget it. Repatriating your money is forbidden unless you can get that unobtainable permit to send dollars out of Argentina. So what is a multinational company like, say, BMW to do? (It’s not like they sell a lot of their cars here.) In order to repatriate their money, they have to buy rice and export it to someplace that wants it, paying to ship it, warehouse it and broker it. Now that is messed up!

Item 5: As an Argentine citizen, you cannot take or send more than US$300 per person per month out of the country. It is illegal to send money to relatives who may be croaking in a hospital in Bolivia or anywhere else. And effective April 2, Malvinas Day, Argentinean citizens are unable to use their credit and debit cards abroad at all. All the borders and airports now have money-sniffing dogs, and they are quite good a sniffing out the loot, which will then become property of the state.

On the other hand, there are so many properties available all over this marvelous country that if you want to make a go of it, you will have many choices at very affordable prices. The important thing is to come here with family and all and get a feel for it. Having a working knowledge of Spanish is essential. Outside of the major cities, you will not find many fluent English speakers. But do not go down the street loudly proclaiming how this person dresses like a clown (it might be Cristina!) or that one there has a beer gut. You might be surprised at how many people understand English.

Jamie Douglas
San Rafael, Argentina

I encourage you to write me at cruzansailor [at] gmail [dot] com with any questions or suggestions you may have. Disclaimer: I am not in any travel-related business. My advice is based on my own experiences and is free of charge (Donations welcome). It is always my pleasure to act as a beneficial counselor to those who are seekers of the next adventure.

You Know You’re Not in Kansas Anymore When...

article from December 13, 2011
by Julie R Butler

Everything is different in Latin America. It seems like this statement would be glaringly obvious, yet it is not so obvious to those who are picking a future retirement location out of the glossy magazines that are more about selling a dream than about culturally educating their readers. Building construction is different. The smells are different. People eat strange meals at odd hours of the day. Businesses close for several hours during the middle of the day. Life passes by according to an entirely different time schedule (or none at all). And people behave differently.

My theory is that the reasons for these differences are sunk deep in history, in the turbulent interaction of cultures that reaches back hundreds of years farther than the history of the United States does and involves epic conquests of a sophisticated matrix of civilizations that were not a part of the story in the northern reaches of the Americas. The result is that, throughout Latin America, there are several characteristics that many who come to live here are surprised to discover, often finding themselves annoyed and offended to have to deal with them. Here are a few:

The future

Time is not the essence of Latin America. It is regarded in a completely different way. When someone says that something will happen “mañana,” they do not necessarily mean “the day that follows today.” It is a multipurpose word, like “aloha” in Hawaiian. It may mean “tomorrow,” but it may also mean “morning,” and you have to specify “mañana por la mañana” if you want to say “tomorrow morning.” Most often, it means “not today, but sometime in the future.”

Likewise, “quince días,” which translates literally into “fifteen days,” may signify roughly two weeks from now, but usually it means sometime further into the future or “check back in a few weeks.”

A desire to please

It seems to be a matter of politeness to answer “sí” when presented with a yes or no question, regardless of what the answer really is. Example: “Does this road go through?” “Sí.” One hour later, you will enjoy waving at everyone for the second time as you make your way back from where the road ends at the edge of a major river – sans bridge. Asking “Is this the way to San Gerardo” is not the best method of finding your way to San Gerardo. Alternatively, asking for directions will get you directions to somewhere or other, but not necessarily to San Gerardo. Since you wanted directions, you will get directions.

If you ask if something can be done, again, the question is likely to be answered in the affirmative. And you can probably guess what “I’ll call you” usually entails. I believe it is all due to the strange custom that it is better to disappoint someone in the future than to do it face to face. The future is so uncertain, after all.

Personal space?

Ideas about “personal space” are different, as in there is no such concept in many places in Latin America. People will crowd you in lines and at the gym.

Another aspect of this is the way that you will find people gathered together or walking together at a leisurely pace blocking everything from the grocery store aisles to the roads, and whatever important appointment you are rushing to will just have to wait.

And then there is noise. One person’s noise is everyone’s noise. If it is a major holiday, there will be mortars and firecrackers. If it is a wedding or a birthday, there will be loud music and laughter. If you are in the countryside, it will be barking dogs and crowing roosters. If you are in the city, there will be car horns honking. You will either get used to it or you won’t.

Customer service?

I often read about how there is no such thing as customer service in Latin America, but I think this impression is not quite right. I believe that the issue is that ideas about courtesy are different.

As I mentioned before, people prefer to answer questions in the affirmative and tend to say that things are possible when they are not. Businesses owners who are out of stock of an item will tell you that they will be getting more in “quince días,” but knowing that the distribution system is not that reliable should tell you that it will either arrive sometime in the future or it won’t. You may think you have an item on hold, even having put a down payment on it, but if someone walks in with the cash on hand to purchase it, you will have to make other arrangements.

There is no “business as usual,” as people from the States and other more fast-paced and prompt countries are familiar with. But do not think that what these shopkeepers and businesspeople are doing is meant to be rude or spiteful. They are just different cultural habits.

The same goes for waiters at restaurants. Instead of constantly sweeping by to see if you would like yet another beer, the waiters in Latin America generally take a hands-off approach. I have come to suspect that they are specially trained in eye contact avoidance, as you often have to gesture wildly to get their attention. Most incomprehensible is the matter of the check. They are not interested in turning tables over. The system doesn’t work that way. Rather, diners are expected to linger and talk over a cup of coffee after the meal is finished. There is a time for everything, but mealtime is not the time for rushing. That activity is reserved for speeding from one stoplight to the next.

My humble advice

It is easy to get paranoid when you are learning to live your life in a foreign culture, when you think that everyone is out to take advantage of you. And there are, indeed, many who will charge the “gringo tax” or otherwise try to take advantage of those who don’t speak the language or appear to be able to afford it or seem to be out of their element – all because they can.

My advice: Always be respectful. Do your best to learn the language and use it at least when greeting people before politely excusing yourself for not speaking their language well.

Be observant of how the locals behave. Particularly if you are outside of a big city, don’t be shy about greeting whoever you meet, even just walking down the sidewalk, if that is what others tend to do. In the major cities, you will find people to be more guarded. Then again, you may find yourself in a café or restaurant where people are on more friendly terms with each other. Join in the spirit – you might end up engaged in a pleasant conversation with the people at the next table who are interested to know if you are enjoying your time in their country.

Above all, try not to take things personally. The disregard for time, the blowing you off, the noisy neighbors, the inattentive waiters, even the gringo tax and the attempts to take advantage of your naivety about the ways of their country... none of this is aimed at you personally. Some of these habits are cultural mindsets that you will just have to get used to, otherwise you will be perpetually bent out of shape. And in most cases, the tendency to try to take advantage is a trait that is extended to anyone whose vulnerabilities make for an opportunity. I guess it is kind of like asking for a discount on the price of something; if you don’t ask, you won’t get it.

Life is different on the other side of the rainbow. It certainly isn’t Kansas anymore.

[Photo of Rainbow at Iguazu Falls by Julie R Butler]

Julie R Butler is a writer, journalist, editor, and author of several books, including Nine Months in Uruguay and No Stranger To Strange Lands (click here for more info). She is a contributor to Speakout at Truthout.org, and her current blog is Connectively Speaking.
email: julierbutler [at] yahoo [dot] com, Twitter: @JulieRButler

Monday, January 20, 2014

Interview with Cory Gearhart, Author of the Blog “Monday (or something)”

article from August 29, 2011
by Julie R Butler

The blog, Monday (or something) is an ingeniously useful resource for anyone who is trying to make plans for relocation to Central America. There, you will find detailed outlines of expat destinations, from the point of view of Cory and “The Girlfriend” as they conduct an experiment in renting a place to stay for about one month while trying to keep within a set budget in different locations. Along with observations geared toward understanding the ins and outs of living in these places, you will find lovely photos as well as amazingly detailed spreadsheets of all costs incurred during their stays in towns and cities all over the region. The following is a short interview I conducted with Cory.

JRB: The idea of sharing the information that you are gathering– cost of living based on longer term rental, as well as conditions such as infrastructure, available activities, crime, and a feel for what the expat communities are like– is just marvelous. Was the blog a part of your original exploratory travel plan, or did it come up as you were traveling?

CORY: It was part of our original plan. I have a bit of history vacationing and backpacking in Latin America and have soft plans to retire here. As I was researching cost of living info I found a lot of people with the same question (Do I have enough money?) and very few answers. I ran across PaddyinBA who put up tables of prices with kind of a "basket of goods" approach and that got me thinking, why not a full on "month in the life" approach instead?

The Girlfriend has traveled in South America with me, but never Central, so I already had a list of places that I wanted to show her. If we combined that with a bit of structured fact finding and kept our expenses low we could just barely justify the spending. So we came up with a loose list of towns and regions to investigate, put together a pack list and set out.

The blog is a combination of my notes (costs and observations), a weekly update that I had been sending out, off and on, for years to friends and family and pictures along the way. I realized early on that writing my notes for strangers was the best way to make sure they were reasonably comprehensive. Otherwise there's just too much temptation to say "I'm sure I'll remember this forever", which is so seldom true. We're always surprised to go back and see what our rent was in a previous city, even if it was only a few months ago.

JRB: What is it that draws you to Central America other than the low cost of living?

CORY: Proximity, for one. Both The Girlfriend and I want to be close to our parents back in The States while we still have them.

The diversity of terrain is wonderful, too. In The US we could drive for 9 hours and still be in the Midwest. In Panama, for instance, we're in the Caribbean now and the Pacific is about 4 hours by car. There are places in this country where you can see both coasts from the same spot. In between are highland mountains (we just spent 2 months in Boquete, which is a pleasant highland climate with fog and evergreens). I have to hop planes in the states to see any one of those, let alone all three. I prefer living without a car so the high availability of public transportation down here is a big plus. I don't even have to plan a trip; I can usually just show up at the bus station and trust that within an hour a bus will leave going my way, and that's not just local transit but regional and international.

And I won't try to encapsulate my impressions of a Central American approach to life or philosophy or anything, but let's just say that, assuming one exists, I'm a fan.

JRB: Do you think that it is important for people who are considering moving to the places you are checking out (in Belize, Honduras, Nicaragua, and Panama, so far) to speak some amount of Spanish, or will they do fine without it?

CORY: Some places, like Honduras's Bay Islands and all of Belize, are mostly English speaking. Other places, like Esteli, Nicaragua are almost entirely Spanish. But if you're going to learn Spanish formally and have your eye on the region, then you're probably going to be taking those classes down here anyway.

For years I took trips in Nicaragua and Panama with absolutely no Spanish; I had a note in my wallet that ordered me a rum and coke, and that was it. It's frustrating and sometimes terrifying and you really have to make do with what you get, like in restaurants, but it's doable. My Spanish is still terrible. For example, I can only speak in the present tense.

JRB: When you interact with expats in different places, are you able to connect with people who have a range of experiences?

CORY: Yeah, the expats are a big part of the draw for me. The further you get out, the more interesting the stories are. There are some places where large organization are doing everything they can to funnel expats into specific towns, but there are other places where you really have to mean to end up there. I'm in Bocas del Toro [Panama] now, which is an interesting mix of both.

JRB: Do you feel that, in general, the expat communities are helpful and supportive?

CORY: Absolutely. Some places people are a little more guarded, usually in towns with more tourist traffic. But after they've seen you around for a couple of weeks or so they warm up to you, realizing that you're not just on vacation. Other places you're part of the family from day one. Some have been around so long they don't remember what it was like to adjust. They're great for stories and social info. Others have only been in town for 2 years and empathize with your practical concerns (cheap eats? laundry?) immediately. Some get really excited about the spreadsheets that I'm putting together, too, because they moved directly to a specific Central American town and are now thinking about looking elsewhere (this is especially true of expats in Costa Rica these days, due to price increases).

JRB: Many thanks to Cory and The Girlfriend for going out there, paying it forward, and offering up so much insight here in this interview and on Monday (or Something). It leaves me wondering what the connection is between people whose highest priority is getting drunk and the desire to help out one’s fellow expat by posting cost spreadsheets on the Internet... Hmmm.

Julie R Butler is a writer, journalist, editor, and author of several books, including Nine Months in Uruguay and No Stranger To Strange Lands (click here for more info). She is a contributor to Speakout at Truthout.org, and her current blog is Connectively Speaking.
email: julierbutler [at] yahoo [dot] com, Twitter: @JulieRButler

The Useful Expat

article from August 9, 2011
By Jamie Douglas

As an expat retiree, having settled into your new home country, satellite dish hooked up, reasonably fast Internet allowing you to communicate via Skype with the rest of the world, including those pesky relatives who tried so hard to keep you from following your dream and in the end just writing it all off to “the oldsters are losing their minds,” you may occasionally find yourself a wee bit bored.

In the “real world,” you know, the one you inhabited and worked in before you lost your marbles, you had a job, acquired skills through many years of doing that job and, as a home owner and car owner, chances are pretty good that you accumulated a wealth of knowledge that you could be sharing in your new digs.

After living in the area where you are, you surely learn of some of the shortcomings of various things and practices, and in dealing with them, you have a couple of choices. You can talk to your fellow expats about how lame “these people” are, or you can make friends with these folks who could probably gain a lot from your knowledge. The countries below the Tropic of Cancer seem to be the ones that magically draw expats, for various reasons, so it is this region that can gain the most from volunteer advisors who step in to assist with various projects, presenters at schools who share their culture with growing minds and expats who simply show by example. There is no better way to teach people than by example.

As many parts of the planet are being affected by more and more shortages of that life-sustaining fluid, water, there are ways to teach people about homemade drip irrigation systems, utilizing old water hoses or the cheapest available kind of tubing, joining it together properly and laying it out where it needs to be, and only then, bring out your battery powered Makita to drill the tiny little holes right where they need to be. While you are at it, you can also make sure that all the pipes leading to the house are not leaking, as well as perhaps fixing leaky faucets. It’s the little things, you know.

If you are in an area that is infested with the Aedes Aegypti mosquito, a very small little pest that, every year, kills untold numbers of people all over the world with diseases such as dengue fever, yellow fever and something I just recently learned about, Chikungunya disease, which is similar to dengue, but much worse (so sorry – only available in Africa). So you will actually save lives by going around and educating people in gentle ways about how standing water in bowls and barrels, as well as puddles, are the main breeding ground for these pests. Perhaps the local vector control people (if there are any) will be able to supply you with printed materials you may pass out, while stressing how important the removal of standing water is to the family’s health and well being.

Everyone has something to bring to the table, and the smallest things can make you a more of a member of a community instead of an outsider. You might be amazed when you see the smiles greeting you in the street or stores while you are out and about. That is essentially what being a good ambassador for your country is. You will find yourself invited into people’s homes, participating in important events in their lives, such as baptisms, weddings, birthdays, and holidays, and suddenly find that you don’t need that satellite dish so much anymore.

Jamie Douglas
San Rafael, Mendoza
Where the Malbec Wine is so good, the Aedes Aegypti get confused and drink the wine instead of the blood, keeping us dengue free.

I encourage you to write me at cruzansailor [at] gmail [dot] com with any questions or suggestions you may have. Disclaimer: I am not in any travel-related business. My advice is based on my own experiences and is free of charge (Donations welcome). It is always my pleasure to act as a beneficial counselor to those who are seekers of the next adventure.

2011 Immigration Requirements for Argentina

article from June 27, 2011
By Jamie Douglas

For many citizens coming from the US and Canada, as well as Europeans, Australians and Chinese, not to mention the hundreds of thousands of indigents from neighboring countries, Argentina has become a magic destination, where people seek to find peace or better incomes, opportunities for their children, perhaps a more mellow existence and for some, a Utopia or Shangri La of sorts.

In this article, I will concentrate on the first four groups of potential immigrants, the ones most likely to be my readers. First off, I will give you the figures for what it will cost you to arrive in the country. When arriving on international flights at Ezeiza International Airport in Buenos Aires, US citizens are charged a reciprocity fee of US$134, while Canadians pay about $71 and Australians about $102. These amounts may fluctuate slightly with the currency exchanges. Citizens from the European Union as well as our Kiwi friends are exempt from those fees. Your entry entitles you to an automatic stay of 90 days in the country, which you may extend at any immigration office in the country for another 90 days for 300 pesos, or about US$75. After a one-time extension, you must leave the country, which, depending on where you are, may be simple or it may be expensive. If you are in the greater Buenos Aires area, a quick daytrip on the Buquebus, the ferry across the Río de la Plata, will give you a 90-day entry into Uruguay for free, but you may return the same day.

I personally recommend taking the ferry to Colonia del Sacramento, and make it a multi-day excursion, as this is one of the historical cradles of Uruguay. Large portions of the old town are beautifully restored to its ancient glory. Montevideo is a secondary destination if you look for variety on multiple visa-renewing trips, offering a large selection of cultural events, great restaurants and a vibrant nightlife. Of course, a constant back and forth will eventually come to the attention of sharp eyed immigration officials who may advise you that you will not be allowed back in, as has happened to an acquaintance. Therefore, there is option B: Not leaving the country until you have to, and then paying a 300-peso exit fee, which is the same amount as extending your visa.

If you find yourself having settled close to the Andes in Mendoza or Patagonia, your choice may be to go to Chile, where you again have to pay that reciprocity fee for getting the permission to enter their country, but the stamp you get is valid for the life of the passport.

As far as actually settling as a rentista, or retiree, the income requirements went up from about US$500 to $2,000 per person per month, funds that must be banked in “trustworthy” financial institutions in Argentina, the same institutions that the average Argentinean avoids like a pestilence. When they are not on strike, they are out of cash.

The cost of living in the large cities can be compared to pretty much the rest of the world, with energy costs leading the way and some consumables being a little less expensive. But medical care generally is much more affordable and very good. If you know what drugs you require, simply go to a pharmacy with box in hand, and you will get what you need, except for narcotics. Diabetic care, blood pressure medication, and general maintenance medicines are freely available from a friendly pharmacist near you. Be sure to ask for generic medicines, as they are much more affordable.

As always, I urge potential pilgrims to come down and spend a few weeks or months here before taking the plunge, as I have seen too many dreams shattered for good people who were seeking out an alternative lifestyle, only to discover after a few months or a couple of years that this was not the beautiful life they had hoped for.

If, on the other hand, you have sufficient funds to come in as an investor, a mere 1.5 million Argentine pesos, or about US$368,000, and a working business plan plus approval from the appropriate ministry will get you residency, no problem. (If you have that kind of money, please consider making a donation to this writer and his wife and various dogs.)

The last option is a student visa, which requires you to have been accepted by an accredited school prior to getting your residency.

Argentina is the eight-largest nation in the world and has something to offer to almost everyone, so give it a whirl. You just might fall in love with the country and its friendly people.

Note that the rules and regulations are constantly changing, so be sure to contact an Argentinean Embassy or Consulate and do your due diligence. You can start with our Useful Expat Resources page.

Jamie Douglas
San Rafael, Mendoza
Where the Malbec Wine is Always Fine!

Photo by Jamie Douglas

I encourage you to write me at cruzansailor [at] gmail [dot] com with any questions or suggestions you may have. Disclaimer: I am not in any travel-related business. My advice is based on my own experiences and is free of charge (Donations welcome). It is always my pleasure to act as a beneficial counselor to those who are seekers of the next adventure.

Corruption in Latin America: How Will It Affect You?

article from June 20, 2011
by Julie R Butler

Most people are probably aware that living in Latin America involves dealing with some level of corruption. But what does this mean, exactly? To what extent are countries corrupt, and how does this affect people’s daily lives?

The standard definition of corruption is “the abuse of entrusted power for personal gain.” From the responses to the disastrous 2010 earthquake to the recent headlines coming out of Buenos Aires about the Mothers of Plaza de Mayo, the issue of the corruption in aid efforts is particularly enraging. Not only does this affect the needy who are denied help and the donors who are betrayed, but it appears as the tip of the iceberg that is the larger problem that affects everybody, pointing to such problems as lack of oversight, nepotism and favoritism, and a culture of corruption that can mean a potentially dangerous erosion of the rule of law.

The good news is that, according to Transparency International, not all Latin American nations score poorly in their Corruption Perceptions Index (CPI). In fact, Chile and Uruguay are in the neighborhood with the UK, Belgium, the US, and France in the 2010 index. Among the better-ranking Latin American countries in the index are Costa Rica, Brazil, Cuba, and El Salvador, whereas Honduras, Haiti, Paraguay, and Venezuela rank lowest (in that order). The index is based on perceptions, which are likely to fluctuate wildly from year to year, depending on political climates – for example, Chile will probably fall in the 2011 index in parallel with President Piñera’s fall from grace, although the country will still rate highly among Latin American nations.

Of course, corruption varies greatly in nature and degree. It encompasses such issues as bribery, extortion, kickback schemes, and embezzlement, as well as transparency, accountability, and effectiveness. It ranges in scope from the local to the regional to the national and even the international levels of government and their dealings with private entities.

Its results also vary from the annoyance of wasted time and money spent greasing wheels to get things done in life, to victimization by crimes without having anywhere to turn to for justice.

The major expat communities of the world are somewhat removed from areas and situations that are physically dangerous, even in such notorious countries as Mexico and Colombia. But it is a given that living in most places in Latin America means taking your personal security into your own hands, because the police are either corrupt, incompetent, or both. Sensible safety precautions must be taken while traveling, there are known places to be avoided, and homes can be protected to some extent by having a few dogs or perhaps hired security. One may also be able to live in a gated community or a more secure neighborhood. Speaking at least some level of Spanish is also a kind of protective measure, because you may be able to talk your way out of sticky situations or stand up for yourself, when necessary.

Beyond the lack of a police presence that many see as a part of a freer life with “less government” regulating their lives, high-level political corruption is easy to brush aside as having little to do with everyday life. Yet it has everything to do with establishing a culture of corruption at all levels, and it affects the quality of life for everybody in society.

This kind of corruption can mean that the head of the country’s immigration makes it difficult for you to become legalized, while allowing criminals or slave laborers into the country in exchange for big payoffs, as was recently the case in Panama. Or corruption can be like that which exists in Venezuela, where the government is currently laying the blame for horrible mismanagement of the electrical system of the country on the users, applying a 200% “overuse” surcharge on electric bills that it deems to be too high. And the ongoing and always dramatic scandals that arise whenever someone is caught with their hand in the till of public funds only causes more cynicism toward governments that are elected on their promises of popular reform. Anyone who lives in Buenos Aires can attest to the difficulties caused by the constant clamor of street protests calling for social justice and government accountability in a city that is already plagued with major traffic problems, not to mention a constant shortage of small change and other banking issues that inject a measure of chaos to everyday life.

Government corruption is a concern that is not often discussed in terms of what to expect when living in a foreign country, like dealing with poverty. It is something that people learn to live with throughout the world, taking it in stride as a part of the culture or a social evil that can only be addressed with the patience of slow political progress. Everyone deals with their own situations differently, but the important thing is to be prepared to have to deal with being extorted by a traffic officer or some government official in a dank office who holds the power of his stamp over you. It is a paradox of living the “simple life” that things seem to be far more complicated than they should. Pero eso es la vida.

Julie R Butler is a writer, journalist, editor, and author of several books, including Nine Months in Uruguay and No Stranger To Strange Lands (click here for more info). She is a contributor to Speakout at Truthout.org, and her current blog is Connectively Speaking.
email: julierbutler [at] yahoo [dot] com, Twitter: @JulieRButler

Expat Life in Today’s Costa Rica

article from June 8, 2011
by Julie R Butler

Costa Rica, having been a popular country for expatriates from the US and Canada, as well as Europe for several decades now, is still a wonderful place to relocate to, despite the changes that have occurred through the years. Here are some of the advantages and disadvantages of retirement in Costa Rica today.

Standard of living

For North Americans, Costa Rica offers the advantage of being close by. And the stability that has allowed this nation to commit itself to social programs such as public education and socialized health care, however less-than-perfect these programs may be, offers everyone who chooses to live there the advantage that standards of living are relatively high, which means that problems that have their roots in abject poverty and social turmoil are reduced. Of course, this does not mean that problems do not exist there. But the possibility of lower costs of living in a spectacularly beautiful country that is not all that far away – just a few hours from the United States by plane – yet in a world all of its own, is a siren call that is irresistible to many.

I mentioned the “possibility” of lower costs of living because the truth is that the cost of living in Costa Rica is among the highest in Latin America. Many goods and services are now equal to or more expensive there than in the United States or Canada, particularly electricity (the price of investing in renewable sources), diesel and gasoline (all of which is imported), and other imports, including cars (high import duties). Costa Rica has long been plagued by the highest inflation rate in the region, plus the country has a widening trade deficit, exasperated by current high fuel prices and the high taxes that have been trying to keep up with the government’s large and somewhat inefficient deficit spending. That being said, it is still possible to live a simpler life with less spending by embracing the famous Costa Rican spirit of pura vida.

Pura vida

Utilizing green building techniques that emphasize low maintenance, local know-how, and awareness of the environmental; taking the opportunity to support the local community that low labor costs offer; buying locally grown produce or growing your own; eating healthy home-cooked meals with domestic ingredients instead of import brands; foregoing energy-sucking appliances like dryers and air conditioners; getting used to not having hot water on demand from every faucet in your home; not owning a car; needing less... all of these practice, most of which emulate the average Tico way of life, will minimize your living expenses.

Bureaucracy

Paradoxically, living the “simple life” in any Latin American country comes with a not-so-simple bureaucracy, and unfortunately, Costa Rica has managed to turn its residency procedures into an even bigger jumbled mess of complexity than ever before. The overall cost in US dollars of going through the process of gaining pensionado residency status appears to be about $1,000 per couple, although there will be other costs in terms of time and frustration, only to find that the submitted documents will take many months to be processed. Gone is the pensionado exemption on paying import duties on belongings brought into the country, and residents are now required to register and pay into Costa Rica’s socialized medical system.

The price of paradise?

So expatriating to Costa Rica is neither as easy nor as inexpensive as it used to be. Living there can be frustrating due to poor road system and other infrastructure problems. Theft and security is a serious issue to contend with, and living in a tourist destination has its drawbacks. Yet some consider all that to be a fair price to pay for the privilege of living in such a beautiful country that has a unique attitude toward at least trying to care about the wellbeing of both its environment and its citizens, and there are still many quiet places where nature’s peace and tranquility have no price.

see also (site appears to be up-to-date as of January 2014):

[Image via Wikipedia]

Julie R Butler is a writer, journalist, editor, and author of several books, including Nine Months in Uruguay and No Stranger To Strange Lands (click here for more info). She is a contributor to Speakout at Truthout.org, and her current blog is Connectively Speaking
email: julierbutler [at] yahoo [dot] com, Twitter: @JulieRButler

Expatriating to French Guiana

article from May 19, 2011
By Jamie Douglas

If you are one of the many Northerners who are planning to retire to a warm climate and perhaps a step back in time, you should know about French Guiana. If you value solitude and a truly tropical climate, a simple yet affordable lifestyle, with daily flights to Paris and Miami, fresh croissants in the morning, and affordable “beachfront living,” or watching the occasional launch of a rocket shooting into outer space, you will be delighted with what this French overseas department has to offer. It is one place that is not overrun by hordes of other expats.

Like all other French overseas territories, Guiana is considered to be included in Metropolitan France, and therefore is administered from Paris. The head of state is the French president, the currency used is the euro, and it is part of the European Union.

Being in the tropics, located relatively close to the equator, will of course make for hot days and warm nights. The rainy season is the full six months here, from January to June, but except for an occasional tropical storm, things could not be too bad, as the French Space Agency is using this region for the launch of all their highly successful Ariane 4 and Ariane 5 rockets, with fewer weather related delays than NASA suffers at Cape Kennedy. The facility was wisely moved here from the Algerian desert in 1963 by General Charles de Gaulle. In view of the current roaming bands of Polisario and Al-Qaeda in Algeria, this certainly was a move ahead of its time. As a consequence, it also helped raise the standard of living tremendously for some but not all of the inhabitants of this section of the north coast of South America.

This small country in a remote part of the South American continent does suffer from high unemployment, but a large part of that is due to the more traditional type of lifestyle the indigenous people and descendants of the runaway slaves have settled into. By contrast, about 60 miles to the north of the capital, you will find Kourou, home of the 1,700 or so employees of the French Space Port. You will get a chance to mingle with real rocket scientists!

A large segment of the population is still living in Amazon Rainforest Basin, needing very little from the outside world, but they are counted in the census, and therefore listed as unemployed, which skews the figures a bit.

Serious medical care is concentrated in the capital, Cayenne, as is most of the business activity. The city is noted for its annual month-long Carnival celebration, which runs every weekend during the Carnival season and features finely feathered dancers, costumes such as the ones encountered in Bahia, Brazil or in the Caribbean and, of course, the accompanying debauchery that has become the tradition among the mix of cultures that you encounter in the country.

You will need a yellow fever certificate to enter French Guiana. Dengue is not unknown, and being hot and steamy near the equator, bugs will certainly be present.

I spent a few months in Cayenne and thoroughly enjoyed myself. To call it multicultural would be quite an understatement. If you are the adventurous type who wants to wander through relatively untouched rainforests, there are many rivers to navigate by boat. You will experience flora and fauna that rival that of New Guinea, which is located around on the other side of the globe, north of Australia.

French Guiana is also the home of Devil’s Island, where the infamous Papillion was incarcerated. These days, they are building a luxury resort on the island to boost the economy with tourism.

As for neighboring Suriname and Guyana, the best advice is to stay away from there. Guyana’s top tourist attraction is Jim Jones’ temple, where 900 followers committed mass suicide.

This is a place that would not be recommended for those who are sensitive to heat or those who hate bugs. The beaches are not the greatest, but you will benefit from a very reasonable cost of living, as many things are subsidized by the French government – such as wine!

Jamie Douglas
San Rafael, Mendoza
Where the Malbec Wine is Always Fine

[Image of a river boat in French Guiana via Wikipedia]

I encourage you to write me at cruzansailor [at] gmail [dot] com with any questions or suggestions you may have. Disclaimer: I am not in any travel-related business. My advice is based on my own experiences and is free of charge (Donations welcome). It is always my pleasure to act as a beneficial counselor to those who are seekers of the next adventure.

Some Common Sense Hints for Expats in Far Away Places

article from March 16, 2011
By Jamie Douglas

Whether you have chosen to live on foreign shores on your own for whatever reasons, or your multi-national corporation has decided to transfer you to some godforsaken hole because there are minerals there to be exploited, one thing we all have in common: we are on foreign soil, exuding the wealth and power of the colonial nations. The USA, being considered a superpower by even the lowliest camel herder in Timbuktu, might as well have been a colonial power with the influence it projects – No insult at all intended to the camel herders in Timbuktu, or any other members of Bedouin tribes that roam the inhospitable terrain of the Sahara and Sahel regions, as I did half a lifetime ago. I learned that these people, while surviving on the fringe of civilization, are not so isolated as to not know about world events. But of course, most of you will be living in conditions that are far better than the above mentioned. So, if you find yourself and your immediate family suddenly uprooted from Houston or New York, enter the adventure with open mind and heart.

First of all, familiarize yourself with the culture you are about to be immersed in. Understand that there are many different customs around the planet, and not all of them will tolerate your teenage daughter running to town in shorts and tank top. It may seem like a very backward thing to people who are used to exposing as much skin as is legal in the USA, but in Islamic countries, for example, such displays are considered blasphemous and in direct violation of the law. Hopefully, your human resources department will have briefed you on the essentials before dispatching you to into the great unknown.

In spite of the damage done by the Bush II administration, people still interact on a very personal level, so if you are a tolerant, non-judgmental individual, whether in high school or management, people will accept and befriend you, and you will be invited to their homes (reciprocate!). You will learn a great deal about the country and its history and culture, which in many instances is incredibly ancient and rich. Encourage your children to befriend kids of their age group, and bring them into your home to expose them to a little bit of your own culture. I found that my daughter Aimee was my cultural ambassador, no matter where we went. That, of course, led to social interactions with her friends’ parents and other relatives, as sometimes, several generations live in the same modest home.

The most amazing thing happened to Julie and me toward the end of the Reagan-inspired civil war in Nicaragua. We were on the way to Costa Rica, and having crossed the border from Honduras into Nicaragua late in the day, after a stop at the duty-free store, where we bought several bottles of Nicaragua’s best, Flor de Caña Gran Reserva (aged 7 years) Rum, we arrived in Ocotal, where the former hotel was closed, the swimming pool having been the site of the execution of 17 Sandinistas, with the blood stains and bullet holes still clearly visible.

After searching around the town, we discovered that the only people able to offer us shelter were the proprietors of one of the local whorehouses. Well that was that, and we were not disturbed by it, so I got Julie a room while I spent the night in our van parked inside the courtyard surrounded by the chickens and pigs running loose in the yard, right next to the donkey.

But I have gotten ahead of myself. So, after claiming our few square meters in the Casa de Ill Repute, we bought some bottles of that fine Nicaraguan beer, Toña, sat on the curb outside the gate, and sure enough, very soon, a group of people collected around us. We decided to break out the rum as well as the Stolichnaya Vodka we also acquired at the duty free, which led to many new friendships, without a hostile syllable being directed toward us, and we all agreed that it was not really the people of Nicaragua against the people of the United States. It came down to a simple matter that someone summed up perfectly as “your fucked-up government against our fucked-up government!”

And that is the life of expatriates. We never know what kind of curveballs the US State Department may throw against our host country. But by befriending the locals and mixing with them, absorbing some of their culture and allowing them to share in some of ours, things should stay on an even keel, unless, of course, you suddenly find yourself between factions in a civil war, such as what has unfolded in Libya.

No matter where you end up, try to blend in. Drive the kind of car the locals tend to drive. Leave your Suburbans, Yukons and Hummers in storage, and try not to stand out too much. You can be a goodwill ambassador for your country by not displaying excessiveness and reaching out to others in friendship. It may pay off for future generations who will not think of norteamericanos only as the imperialists that came and looted the mineral riches of their countries.

Treat your international neighbors like you would treat your family!

Jamie Douglas
Patagonia

[Image of Ocotal, Nicaragua, via Spanish Wikipedia]

I encourage you to write me at cruzansailor [at] gmail [dot] com with any questions or suggestions you may have. Disclaimer: I am not in any travel-related business. My advice is based on my own experiences and is free of charge (Donations welcome). It is always my pleasure to act as a beneficial counselor to those who are seekers of the next adventure.

Córdoba, Argentina: A Photo Essay

article from March 29, 2011
By Jamie Douglas

Inasmuch as this is going to be more of a photographic odyssey rather than a verbal one, I will spare you all the great amount of knowledge I accumulated during my brief stay in Córdoba, which, in spite of walking miles and miles and taking hundreds of images, is limited to that of a visitor who only got to see and experience the best this second largest city in Argentina has to offer.

The city center is lovely, an architectural, historical and artistic jewel, where there is obviously a lot of civic pride involved. Clean is an understatement. Even the stray dogs seem to be more noble than in most other places. The air seems fit to breathe and vehicular manslaughter does not seem to be on most drivers’ minds; in fact, courtesy seems to rule.

Not once did anyone stop me to warn me about my cameras and the criminals lurking for me in the cracks in the sidewalk. The entire populace we encountered seemed to be a happy and content people.

A large portion of the downtown area is connected by a web of pedestrian malls, many covered with natural awnings held in place by metal trellises, which provide shade for those strolling below them, stopping for an occasional beer or glass of Malbec, enjoying an ice cream here and there, and shopping till they drop. There are many sidewalk cafés offering everything from medialunas (aka croissants) to full-on meals of great Argentinean beef, milanesas and even some ethnic foods.

The dogs are well behaved, for which they deserve a reward, and no beggars will come to your table, as they all seem to have their assigned corners and doorways, where the generosity of the shoppers exceeded anything I have so far witnessed. About every third or fourth store will be a cellphone outlet, and 3.5 g wireless is everywhere. Sit down anywhere and you will have a free signal, and if you need a password, the wait help will gladly give it to you.

I am not much of a city person, but for anyone who may consider moving to Argentina, I highly recommend checking out Córdoba. Home to a large population of university students, the feel is youthful, with a vibrant art scene that adds even more class to this beautiful city. Pollution is at quite an acceptable level, all services are available and, best of all, it is not Buenos Aires, which I love dearly as well, but BsAs has the many drawbacks of an enormous city.

Public transport is top notch, and if you feel the need to go to Buenos Aires, there is always the choice of going by plane, train or micro (interstate bus).
There is also direct service to Paraguay, Uruguay, Chile, Mendoza and Patagonia from here. The bus station is very modern and clean, with not one, but two supermarkets upstairs. The important thing on the bus service is that you pay attention that you know the final destination of your bus, as that is the only thing listed on the front and many long-haul buses will go way past your destination. There are hourly departures to Buenos Aires with first-class buses of several companies, all of which are safe and sound. Bringing your own snacks and water or other refreshments is highly recommended, as they feed you something similar to old tourist-class airline food, which may not always be the best.

As far as expat living and retirement goes, if you need to live near a metropolitan area, Córdoba rates tops for me, in quality of urban life, cultural affairs and accessibility. So if you have any interest at all, I urge you to check it out, and as usual, don’t fall for the first place you see. Rent for a while before you buy, so you can always walk away from it if you are not happy without taking a big spanking, financially speaking.

Live Life, Love Live, and snort the adventure that awaits people of all ages out here. Life is for the living, and that is US!

All photos by Jamie Douglas:



























Jamie Douglas
Patagonia

I encourage you to write me at cruzansailor [at] gmail [dot] com with any questions or suggestions you may have. Disclaimer: I am not in any travel-related business. My advice is based on my own experiences and is free of charge (Donations welcome). It is always my pleasure to act as a beneficial counselor to those who are seekers of the next adventure.