We can divide Nicaragua into those areas on the Pacific side (which is where the majority of the population lives and where the country is more developed) and on the Atlantic side.
On the Pacific side, the main city of Nicaragua is Managua. In addition, there are the more manufacturing and commerce cities like Chinandega. There’s the mountainous areas, where the temperature is cooler and where the coffee is grown. There are also places that are known primarily for tourism, such as Granada, Leon, and further in the south of the country, there’s San Juan del Sur and Rivas, which has beach communities and towns that are hot attractions.
On the Caribbean or Atlantic side of Nicaragua, there is a totally different environment than in the Pacific side, with two major cities: Puerto Cabezas in the north and Bluefields in the south.
* Managua – This is the main city and the capital of Nicaragua. It’s the largest city and the country’s business center, located on Lake Managua, less than an hour from the Pacific Ocean.
* Granada - Granada is just southeast of Managua, on the northern coast of Lake Nicaragua, about an hour from the Pacific Ocean. Granada is one of the oldest cities in Continental America, over 500 years old. It’s a tourism attraction and one of the main tourism spots in Nicaragua.
Granada is a colonial city that has maintained its colonial style through the years, so it draws a lot of attention from tourists all over the world. Its location on the northern coast of Lake Nicaragua makes it a very hot spot for tourists. You can go to the lake and you can go fishing. It has over 360 little islands just right off the coast of the lake. It’s a very attractive place to go. Granada has a colonial feel and a great view of the lake and the islands right off the coast.
* Leon – Leon is very similar to Granada in the sense that it’s also one of the older cities. It is 500 years old and is a very hot tourism spot in Nicaragua as well. Leon also has maintained its colonial style. You can see it in many of its buildings, including the cathedral which is the most iconic building in the city. Leon is a city with a lot of history. It’s also the birthplace of one of the greatest poets in Nicaragua, Rubén Dario. There’s a museum about him which also draws a lot of attention.
* Chinandega – Chinandega is the town located up on the northwest part of the country and is an economic powerhouse. One of the attractions there is the largest port in the Pacific Coast called Port Corinto, which has boosted the economic development of the region because the port provides easy access to the port and destinations on the Pacific Coast of the continent. For example, if they are going to export to California, that’s the place to go. You have a lot of production in manufacturing and in agriculture in this region.
* San Juan del Sur – San Juan del Sur is located on the southwest Pacific coast of Nicaragua in an area that is the main beach attraction for tourists in the country. It is a small town that has a spectacular bay. There are lots of expats living in San Juan del Sur, not just from the US, but from other countries as well. You can go there almost every night of the year and find foreigners from countries all around the world who are visiting. It has beaches and neighboring bays where you can surf, which is a big attraction. We even have international surfing tournaments in some of the nearby beaches. San Juan del Sur a very authentic town, which is one of the primary things that draws people to go there. It still has its own local restaurants and local hotels and maintains its beach town essence.
* Jinotega and Matagalpa – Jinotega and Matagalpa are both located in the north central area of Nicaragua in a mountainous area. The altitude makes the weather substantially different and a lot cooler than it is on the Pacific coast. This is the area where most of the Nicaraguan coffee is grown. These are quite underdeveloped, yet authentic as well. Jinotega and Matagalpa are classic colonial towns. They have a cathedral and a central park and the city. It’s a very nice place in the mountains. It’s very green and you can see flowers growing on the roadside. It’s very colorful up there in the north. They have their own folklore and cultural traditions.
* Puerto Cabezas and Bluefields –The Caribbean coast is divided into two regions, the north region and the south region. Puerto Cabezas is the capital of the north region and Bluefields is in the south region.
The whole Caribbean side has lots of potential to develop and grow. It hasn’t seen the progress that the Pacific side already has, which is something that Nicaraguans are working on. Hopefully, there would be much more progress in that area. For now, traditional fishing is the main economic activity of the region.
In the south, you have Bluefields. In existing to fishing activities, there’s some tourism that’s happening there, which is growing because of the Miskito islands, which are just off the coast and are very Caribbean-like. The Nicaraguan Caribbean Coast is not white sand and crystal clear water. However, just off the coast, the cayes and the other islands such as Corn Island, are very Caribbean because of the white sands and crystal clear water. That is a very big attraction for Nicaraguans and foreigners who want the feel of what the Caribbean coast of Nicaragua is like.
A unique characteristic of the Caribbean coast of Nicaragua is that it has different cultural descendants than the Pacific side. Descendants of African origin generally populate the Caribbean coast and there is a mixture with English descent as well, in addition to the local natives, who also mixed in from several hundred years ago. People in the Caribbean are usually darker in skin, have a different religion, and they speak a language called Creole, which is a mixture of English and local languages.
If you have a US car, it is recommended to have Mexican auto insurance to cover any damages if you are driving in Mexico. In Baja, California, where I live, having auto insurance is not necessary. There have been some new laws that regulate people to have car insurance. The new car owners in Mexico, however, are required to have car insurance for cars bought in Mexico. If you are coming from the US and you’re driving to Mexico, or if you are moving and you are bringing your US car...
The best reasons to retire overseas would include the low cost of living, experiencing different cultures, having a better quality of life, and being in a healthy living environment. In many places abroad, the cost of living is lower than it is in the US or Canada. There are many different kinds of cultures than what people experience in the United States, and we get to see and experience more of that when we retire overseas. 
A gallon of milk in Cayo is about US $2.50. Five pounds of flour and five pounds of sugar are also about $2.50. Beans and rice are about 50 cents per pound. Hotdogs are about $.90 for a pack of 8. A pack of pasta is about 50 cents. A flat of 30 eggs is about $3.50. A loaf of bread is about $1.50.
itime zones in the world is that its outer fringes are bordered by the archipelago of Madeira, comprised of Madeira and Porto Santo, and the archipelago of the Azores, which are strategically located in the mid-Atlantic (the US has had a military base at Lages for many years, although its presence has recently reduced to much concern of the local population). Portugal's highest...
Even though we thoroughly enjoyed our six-plus weeks in Baja (my wife, Jet Metier, wanted to buy some land there immediately), it was time for us to move on to experience new things. The desert and relative isolation we enjoyed as newbies in Baja would have to be gently placed into the past as we ventured forward to new experiences, also in places we had never been-- the jungles and more populated areas of mainland Mexico. 
sighting by us near Boquete, Panama, May 17, 2013.