How are the roads in Los Cabos - La Paz, Mexico? Do I need a four-wheel drive in Los Cabos - La Paz, Mexico?
Paul Clark - East Cape Homes
You don’t need a four-wheel drive to go around Los Cabos and La Paz. The main highways in Los Cabos and La Paz are well paved, marked, and constantly being improved. The main highway from San José del Cabo to Cab, San Lucas and up to La Paz is made up mainly of four lanes.
The other way, going to La Paz down the East Cape, is a two-lane road that is well-marked and well-travelled. On the dirt roads, you can get away with a two-wheel drive and drive carefully on the...
You don’t need a four-wheel drive to go around Los Cabos and La Paz. The main highways in Los Cabos and La Paz are well paved, marked, and constantly being improved. The main highway from San José del Cabo to Cab, San Lucas and up to La Paz is made up mainly of four lanes.
The other way, going to La Paz down the East Cape, is a two-lane road that is well-marked and well-travelled. On the dirt roads, you can get away with a two-wheel drive and drive carefully on the road up and down the East Cape. The roads are not an issue at all.
(Lot with dirt road access to the beach, East Cape, Baja California Sur, Mexico, pictured.)
How good are the medical centers, hospitals and health clinics in El Valle de Anton, Panama, and how close are they?
Bill Brunner
Before I talk about the medical care in El Valle de Anton, please let me explain the three types of medical care in Panama:
Ministry of Health
The Ministry of Health clinic is primarily for poor people who don’t have much money or who may not have any money. However, anyone (an expat or even a tourist) can go there and pay a nominal charge. There are no doctors in private practice in El Valle so if you wanted to see a...
Before I talk about the medical care in El Valle de Anton, please let me explain the three types of medical care in Panama:
Ministry of Health
The Ministry of Health clinic is primarily for poor people who don’t have much money or who may not have any money. However, anyone (an expat or even a tourist) can go there and pay a nominal charge. There are no doctors in private practice in El Valle so if you wanted to see a doctor in El Valle, you would go to the Ministry of Health facility here. If they needed to, they would transport you to the Ministry of Health hospital in Penonome.
Regarding the price you’ll pay at the Ministry of Health, I’ll give you an example. An old classmate of mine came down here four or five years ago. He rented a motorbike and went on a rally of some sort. He had an accident and ended up in the hospital for three days in a town in the interior (“interior” means: not in Panama City). I think his bill was $24 when he left.
If, as an expat in El Valle, you break a leg or you get bitten by a snake or something like that and you go to the Ministry of Health clinic here, the chances are that you will get somebody to take you who speaks both English and Spanish. You may not get the best possible care and you’re not going to get a Board certified doctor. What you will get is a “country doctor.” They train doctors in Panama to go to the interior (El Valle is in the interior).
The Ministry of Health also has a big hospital in Panama City and I’ve heard doctors say that if they needed an operation, they would go there, because they have good surgeons and they have a good operating theater. Generally, in that hospital (and this is probably the case with the other Ministry of Health hospitals in Panama as well), your relatives are going to have to feed you and bring you linens. You’ll get treated medically but they may not have the wherewithal to give you the hospital stay that you’d get in the States. The quality of the doctors you’ll get depends on your need. For example, we had someone here in El Valle who broke his pelvis and they took him to the Ministry of Health hospital in Penonome and they weren’t able to do much for him, so he had to eventually go down to a private hospital in the city of Panama.
If I needed medical attention and I’m in a hurry, I would go to the Ministry of Health Clinic here in El Valle. If I had more time, I would go to see my doctor in Panama City. The doctors at the Ministry of Health Clinic in El Valle have clinic hours in the morning, which is mainly for women and their babies, but if you go in because you’ve had an accident or got bitten or something like that, they have an anti-venom serum. If you need it, they’ll take you in an ambulance to Penonome, to a Ministry of Health hospital about an hour and a half away, and where you can get pretty much everything you need.
Panama Social Security
This covers people who are employees who are paying into the Social Security Fund. Expats don’t go there.
Private Medical Practice
This is the top level of care in Panama, comparable to the standards in the US or Europe. Most of the doctors who studied in the States (and there are definitely lots of them practicing here in Panama who have studied in the States) are Board certified in their specialty. We don’t have any private practice physicians in El Valle, but in Coronado, which is about 45 minutes away, there is San Fernando Clinic, which is a branch of San Fernando Hospital, one of the three best hospitals in Panama City and where they have English speaking doctors and nurses. If, at the San Fernando Clinic, you need more care than they can give you here, they stabilize you, put you in an ambulance and take you down to their hospital in the city, where there are even more people who speak English and a first rate hospital.
To buy furniture in Placencia, you have the option of going to Belize City or you can go out of Belize City and head to Dangriga or Belmopan. We have furniture stores in Dangriga and Belmopan where you can buy sofa sets, bed sheets, lamps, HD players, flat screen TVs, etc.
You also have the option to get the Mennonite people build custom-made mahogany or hard wood furniture for you. The Mennonite community is a 5-minute walk from where I work, and they deliver to Placencia....
To buy furniture in Placencia, you have the option of going to Belize City or you can go out of Belize City and head to Dangriga or Belmopan. We have furniture stores in Dangriga and Belmopan where you can buy sofa sets, bed sheets, lamps, HD players, flat screen TVs, etc.
You also have the option to get the Mennonite people build custom-made mahogany or hard wood furniture for you. The Mennonite community is a 5-minute walk from where I work, and they deliver to Placencia. Right now, I have a brand new mahogany handmade closet that cost me about US $250. If I went to the furniture shops to buy that closet, it would cost around $1,200.
What are the total one time only costs of moving to Portugal, including legal, visa and immigration issues?
Luis Rodrigues - Gouveia Pereira, Costa Freitas & Associates, Law Firm, RL
This is a difficult question to answer in a generic way because some requirements (for example, visa) will vary depending on your nationality. The answer to this question will necessarily need to be analyzed on a case-by-case matter.
In the example of an American couple without children that want to retire and move to Portugal for one year in a leased apartment the costs would not be very high. Basically the costs they would incur are the official costs of obtaining...
This is a difficult question to answer in a generic way because some requirements (for example, visa) will vary depending on your nationality. The answer to this question will necessarily need to be analyzed on a case-by-case matter.
In the example of an American couple without children that want to retire and move to Portugal for one year in a leased apartment the costs would not be very high. Basically the costs they would incur are the official costs of obtaining the visas (we are assuming the couple in the example does not have a European passport, which may avoid the need for a visa) which are around 500 euros (about US $560) per person and the costs of hiring a lawyer to assist in the procedure of obtaining a visa, which should not exceed 1,500 euros per person (about US $1,670).
We would recommend people with little knowledge about Portugal to make a test try for 6 to 12 months in a leased apartment in order to reduce the costs and limit your exposure in a first phase.
What's the cost to rent an apartment in Granada, Nicaragua?
Janice Gallagher - Granada Property Services
Good news! The Apartments Sofia have recently opened and they offer one and two bedroom fully furnished apartments in a secure building. There is also a swimming pool and laundry facilities. These are great for long or short term and are right in the heart of Granada. Check out our website for more info.
Good news! The Apartments Sofia have recently opened and they offer one and two bedroom fully furnished apartments in a secure building. There is also a swimming pool and laundry facilities. These are great for long or short term and are right in the heart of Granada. Check out our website for more info.
Are there tax advantages or disadvantages if I retire, work or live abroad?
Jay Butler - Asset Protection Services of America
If you are U.S. citizen with foreign earned income and are (or will be) a bona fide resident of a foreign country for any entire year, or physically present in a foreign country for no less than 330 days during a year, then you may qualify for the "Foreign Earned Income Exclusion" as allowed by the Internal Revenue Service (IRS):
Advantage to Working Abroad - The Foreign Earned Income Exclusion
If you are a U.S. citizen or a resident alien of...
If you are U.S. citizen with foreign earned income and are (or will be) a bona fide resident of a foreign country for any entire year, or physically present in a foreign country for no less than 330 days during a year, then you may qualify for the "Foreign Earned Income Exclusion" as allowed by the Internal Revenue Service (IRS):
Advantage to Working Abroad - The Foreign Earned Income Exclusion
If you are a U.S. citizen or a resident alien of the United States and you live abroad, you are taxed on your worldwide income. However, you may qualify to exclude from income up to an amount of your foreign earnings that is now adjusted for inflation:
$91,400 for 2009
$91,500 for 2010
$92,900 for 2011
$95,100 for 2012
In addition, you can exclude or deduct certain foreign housing amounts. You may want to research or inquire about IRS form 2555 for more information.
Disadvantage to Retiring Abroad - Receiving SSI and Medicare
Although you should still be eligible to receive Social Security (SS) irrespective of where you live, if you are a U.S. citizen and move offshore Supplemental Security Income (SSI) and Medicare payments will cease to be paid. SSI is taxpayer funded program which assists the blind, elderly, low income and disabled and is not available to U.S. citizens living abroad. Likewise, Medicare provides no coverage overseas but may be available for those who are living in a foreign country for an undetermined period of time and have plans to return.
As with any tax matter, it is always advisable to seek the competent advise of a tax professional.
This has been our second Christmas living in Panama… and whilst I cannot deny that spending Christmas day on the beach and by a gorgeous pool in glorious sunshine is a huge plus point, for us and many people we know there is that severe lack of ‘chrismassy feeling’
That is not because Christmas is not celebrated here… Christmas decorations have been up everywhere, stores have dedicated floors of Christmas paraphernalia and the shops are crammed...
While the wheels/tires are 21st century (oh, OK, 20th century), the technology behind this freight mover is thousands of years old. I found it interesting and amusing that the local hauler still uses oxen to pull heavy loads.
What I did not know is that many times, while autos and trucks couldn't pull out mired vehicles on the local roads, a team of oxen could. I guess that eight hooves are better than 4x4 drives sometimes. Slow, but...
One of the ways I make my living is on the Panama Expat circuit as an advisor or guest speaker. One of my favorite lines is, “If you want to get in trouble, you have to work at it in Panama.” In my almost 19 years here, I have been robbed twice. Each was basically my fault since I didn't follow my own advice.
In every place I live in, I like to walk around a lot to get the local 'feel'. When I first came to Panama City, it was a boring Sunday so...