Can I buy furniture in Chapala and Ajijic, Mexico?
Chuck Bolotin - Best Mexico Movers
Your couch and chair buying options in the Lake Chapala / Ajijic area are quite limited. With the exception of one or two very interesting specialty stores that have great imported tables and more exotic and higher end items, I don’t know of any mid-range furniture store in Ajijic, there is one locally-owned store in the neighboring town of San Antonio, and, from an expat perspective, extremely limited options in what could loosely be called smaller department stores or other...
Your couch and chair buying options in the Lake Chapala / Ajijic area are quite limited. With the exception of one or two very interesting specialty stores that have great imported tables and more exotic and higher end items, I don’t know of any mid-range furniture store in Ajijic, there is one locally-owned store in the neighboring town of San Antonio, and, from an expat perspective, extremely limited options in what could loosely be called smaller department stores or other family-run stores in Jocotepec and the town of Chapala.
There is one chain mattress store and a few other locally owned stores.
Guadalajara (most of which is an hour or less away) has a very large quantity of furniture and mattress stores.
Prices for nicer furniture made in Mexico will tend to be about what you would pay in the US or a bit more. Imported furniture such as from the US or Canada will cost significantly more.
While “comfort” is a very subjective term, it would be fair to say that most expats would describe the comfort level of the furniture choices generally available essentially anywhere in Mexico as ranging from “not great” to “downright bad” while the mattresses will range from “I don’t think I can sleep on this” to “ridiculously uncomfortable.”
That’s not to say that much of the Mexican furniture is and can be quite beautiful, especially hand-made items that cost much less than handmade items in the US or Canada. It’s just that even those beautiful handmade items tend to be really, really, almost ridiculously uncomfortable.
Almost emblematic of this lack of comfort in furniture is the virtually ubiquitous “equipale” or “tequila” chair, pictured to the right. Very uncomfortable and no place to put your feet and the padding is usually quite lacking.
It is not unusual to see furniture that expats would generally put into an outdoor setting instead placed into a home, sometimes a very expensive one. (You sometimes see this in pictures for real estate offerings, which from an American perspective, looks quite odd.) The sensibility for comfortable furniture is much different in Mexico than north of the border. That’s why lots of people bring their own furniture with them.
Is there racial tension, acceptance or diversity in Belize?
Christian Burn
Belize is very diverse; it is like a multi-cultural melting pot. Like Canada, Belizeans celebrate diversity. They do not fear it. It's not like you have to be American first and then whatever culture is second. In Canada, first you’re your other culture, then you're Canadian. Likewise here in Belize, Belizeans consider themselves to be whatever their heritage is, but they are very proud Belizeans because their differences are accepted. There is significantly less racial tension...
Belize is very diverse; it is like a multi-cultural melting pot. Like Canada, Belizeans celebrate diversity. They do not fear it. It's not like you have to be American first and then whatever culture is second. In Canada, first you’re your other culture, then you're Canadian. Likewise here in Belize, Belizeans consider themselves to be whatever their heritage is, but they are very proud Belizeans because their differences are accepted. There is significantly less racial tension in Belize than in the US. Some of it is based on the fact that there are only 300,000 people in Belize.
There are a lot of different races in Belize, but surprisingly there is also a large Mennonite population. The Mennonites are accepted here along with all the other cultures, from the Mayan culture, which is one of the original cultures, to the Garifuna culture, which is also an original culture here because they are descendants of the slaves. There is also the Mestizo culture, which is the Spanish / slave mix. There is a Creole culture, which is the British / slave mix. Then there is the British-American culture, but all these different cultures kind of mix together into one. People of all different races and cultures hang out together and do things together here in Belize.
The worst reasons to retire overseas are financial and health reasons. If you’re moving overseas because you need to be in a country where it’s less expensive, that sets you off to a bad direction. If you’re moving overseas with the primary reason of a lower cost of living, you need to be careful.
Many retirees move overseas for a lower cost of healthcare. When you move overseas for healthcare, you need to understand that the...
The worst reasons to retire overseas are financial and health reasons. If you’re moving overseas because you need to be in a country where it’s less expensive, that sets you off to a bad direction. If you’re moving overseas with the primary reason of a lower cost of living, you need to be careful.
Many retirees move overseas for a lower cost of healthcare. When you move overseas for healthcare, you need to understand that the quality of healthcare is typically lower than in the US, and the US healthcare that you may have through insurance or Medicare probably won’t work abroad.
You should be retiring overseas because you want to explore the world and its different cultures. Don’t retire overseas because it’s going to save you money or because you can get cheap healthcare. Generally, it would save you money, but if that’s your primary reason for retiring overseas, that’s one of the worst reasons to do so.
If you’re retiring overseas, you have to love and enjoy where you’re going, and you have to want to immerse yourself in that culture. If not, you would be miserable spending half as much money in the US, but you would still be miserable.
There are over 450 surf spots in Portugal. We have over 300 kilometers (about 185 miles) of coastline. We have been a recognized country for surfing for many years. In 2011, Ericeira, which is 60 kilometers (37 miles) away from Cascais (near Lisbon), was elected second as World Surfing Reserve and the first in Europe.
I’ve surfed at Ericeira many times. Surfers use a lot of slang in their terminologies. But for the first timers, I can...
There are over 450 surf spots in Portugal. We have over 300 kilometers (about 185 miles) of coastline. We have been a recognized country for surfing for many years. In 2011, Ericeira, which is 60 kilometers (37 miles) away from Cascais (near Lisbon), was elected second as World Surfing Reserve and the first in Europe.
I’ve surfed at Ericeira many times. Surfers use a lot of slang in their terminologies. But for the first timers, I can tell you, you have all sized waves—you have lefts, you have rights, you have sandbanks, you have rockbanks. Each of these makes the waves different. People at any level of expertise will find waves in Portugal.
The ASP, (the professional tour of surfing, now the WSL-- World Surfing League) has one of their events in Portugal in October in which they get well known attendees like Kelly Slater, 11-time world surfing champion.
In Cascais, where I am, near Lisbon, we don’t get waves for two months out of the year, but there are always places like Ericeira and further north Aveiro or Porto, which are more exposed to the Atlantic Ocean and where we get mid-sized waves. The best time to surf in Portugal is from September to May; the whole winter and spring there are waves in Portugal all over the place.
What's my best strategy for health insurance for retiring in Nicaragua?
Kent Payne
There are several insurance strategies for living in Nicaragua. Remember that most of the hospitals here are good but not necessarily great…..one exception being the Vivian Pellas Metropolitano Hospital (pictured to the right). It is absolutely world-class and accepts several types of insurance. You can go to their website and bring up info in Spanish or English about the types of insurance accepted. Since this market changes, I’ll defer info...
There are several insurance strategies for living in Nicaragua. Remember that most of the hospitals here are good but not necessarily great…..one exception being the Vivian Pellas Metropolitano Hospital (pictured to the right). It is absolutely world-class and accepts several types of insurance. You can go to their website and bring up info in Spanish or English about the types of insurance accepted. Since this market changes, I’ll defer info for you to go the website.
Before we moved here to Nicaragua, I was “COBRA”d through my former employer and paid about $800 / month for the health service. Now, my personal insurance is through Vivian Pellas Metropolitano Hospital's Club Salud (Health Club), which covers my wife and me while we are in Nicaragua. When we relocated, I signed us up for the ‘gold’ version of the insurance….at about $100 / month total for my wife and me. So, for $1,200 / year (and a discount by prepaying a year in advance) we had what I call ‘catastrophic’ insurance. ER services were covered 100%, with most procedures covered from 50% to 80%, with pre-existing conditions under special review. As with most insurance, you have to be covered for quite a while (18 months to several years) before an existing condition can be covered. My high blood pressure and other small ailments did not warrant review.
The premiums had moved up to $61/month/person, though we still get a 10% discount by prepaying. Cheap by any standards.
So your next question is, “at this price can it be any good?”. A quick personal testimony:
Most of the doctors in the hospital are members, so a regular fee of $30 is reduced to $10 / visit.
Most of the doctors speak English, and were trained in the states or at accredited Central American locales.
I had elective surgery on both feet at once. In the states, it would have been out patient, with surgery and recovery rooms utilized, about $18,000. My total bill here was $1,700 to the doctor's office and $800 to the hospital…and two nights in a private room!
I had non-elective colon surgery……potentially bad stuff. The doc said it could have developed into colon cancer, but we caught it early with an upper an lower GI procedure. Total cost, surgery center, recovery, and five days in a private room: about $3,600 out of pocket after the insurance covered the hospital portions. I have NO IDEA what this would have been in the states.
Only drawback: We are covered only in Nicaragua, so any trips abroad are a risk. I’ll qualify for Medicare in about 2 years, so I’ll sign up at that time.
What's the price of a home, condo or apartment in Panama?
Antonio Cheng - Romero Realty
The cost to buy a home in Panama City is from US $1,800 to $3,000 per square meter (about $167 to $278 per square foot ). Condominiums are more expensive than houses here in Panama, if you consider the pricing per square meter. Houses only become more expensive than condominiums because most of the houses here have 2-stories and they have yards.
With a budget of $1,800 per square meter, you can get a second-hand condominium unit that is about...
The cost to buy a home in Panama City is from US $1,800 to $3,000 per square meter (about $167 to $278 per square foot ). Condominiums are more expensive than houses here in Panama, if you consider the pricing per square meter. Houses only become more expensive than condominiums because most of the houses here have 2-stories and they have yards.
With a budget of $1,800 per square meter, you can get a second-hand condominium unit that is about five years old. The size will be around 80 to 200 square meters (861 to 2,152 square feet) but they are not that new. These condominiums may not be in the best neighborhood, but they are in good neighborhoods, such as El Cangrejo, San Francisco, and El Dorado.
Most of the apartments in Panama City have granite counter tops, the floors are okay, too. Some of them have appliances and some don’t. That mostly depends if the previous owner did some renovations on the apartment or if you got a deal from the promoter.
The apartments that cost $3,000 per square meter are usually the ones in the high-end neighborhoods such as Avenida Balboa (above photo), Costa Del Este, or Punta Pacifica. They are also second-hand apartments, but they are less than ten years old.
We have just recently retired and plan to spend winters in our condo in La Cruz de Huanacaxtle, Nayarit. We bought the condo 3 years ago and have spent school holidays (I am a retired school teacher) setting up our condo and exploring our village and neighbourhood a little. We barely scratched the surface but look forward to learning more about the area in our 6-month trip this year!
What we have discovered, we love. The locals are so generous and accepting of us "gringos'...
Based on the hundreds of expats we've interviewed and the more than one thousand who participated in our studies, if you are like them, there is more than an 80% chance you could reduce your stress by moving abroad. As proof, first we'll provide the results from a survey we conducted about living in Panama, Belize and Nicaragua, in which we asked expats "What is your level of stress in your home abroad?":
Reprinted with permission from Bob Adams of Retirement Wave
A Voyage to Another Galaxy
I am very fortunate. A few months ago, I had the chance to visit a planet in a galaxy a thousand light-years from ours. The planet I visited was a little like Earth, but it was also a little like Mars, what Earthlings often call "the Red Planet", only the red was much stronger.
I stood on a balcony of a building on the top of a hill, looking down on the alien...