One of the many retirement blogs is titled “This Retirement Life”and the writer Dave Hogan, a financial planner, just took the Caravan Tour of Costa Rica which I highly recommend for a 9 day overview of the whole country as a tourist first, before you start the serious work of planning on living here.
After doing the Caravan Tour Dave stopped in to San Ramon to interview my friends Paul and Gloria Yeatman who have done the excellent blog “Retire for Less in Costa Rica” for the last ten years along with a healthcare tour of Costa Rica and are slowing down now, about to phase out their monthly blog post that I highly recommend to all couples considering retirement here and I will likewise recommend the book they are soon putting together by the same title, in addition to Gloria’s CR Cookbook already available! 🙂
Read this great Interview with Paul & Gloria Yeatman on the Retirement Life blog. If you are considering retirement anywhere outside the U.S., it will help you with the big picture from another first-hand experience! And get to know a couple who did retirement as well or better than anyone I know! Enjoy!
“It is better to live rich than to die rich.” – Samuel Johnson
A dear friend just shared this link to an article in the New York Times that I have to re-share since it has some good ideas and information that might help those of you American readers considering living in another country. The article, How to Be an Expatriate in 2020:
I might check into the two sources they referenced on transferring money from the states to another country, since a regular bank wire of money is too expensive I think. I have my SS check auto-deposited here in my CR bank account which covers my basic living and I get other money from my U.S. Credit Union via ATM here for free at my bank’s ATM which doesn’t charge me and my stateside CU doesn’t charge at that end. When you move anywhere you have to work out these little details over time. “Where there’s a will there’s a way!” 🙂
They also referenced International Living Magazine which I took for two years but found way too commercial for me and I think they are mixed up in real estate, especially in Ecuador which they push a lot, plus their gimmicky ways to get rich on the internet. Be careful of such schemes if you subscribe.
The article also mentioned some networking organizations which can be good, and the one for women sounds especially good for them. I tried the other one mentioned, InterNations, which is heavier on the younger expats in the big city of San Jose here and it did not meet my needs. One year was enough for me!
Right here in little Atenas we are getting more younger couples with children and jobs coming from the states. Some use local private schools and some home school and the rare one who is “really international” send their kids to the local public schools in español and of course they are the ones who are integrated into the community. 🙂 The young Americans here who are still working do all their work online. The internet has really shrunk the world! 🙂 Of course they are a different breed from us ol’ retirees! 🙂 But in some ways we are a community. 9 million Americans living overseas it says.
Anyway, I like to share things like this I learn about that might help you who are considering a move here or to any other country.
NOTE: This week I’m living with a Tico family in Heredia while in an Spanish Immersion Class at Tico Lingo. I will try to report on some nights about the experience. A little scary! No English for a week! But hopefully a good way to learn Spanish! 🙂
The “Trip Gallery” from my Thursday trip to Rio Tarcoles is ready to view with 35 species of birds photographed out of about 40 species seen. A good birding trip!
“The great benefit of slowing down is reclaiming the time and tranquility to make meaningful connections–with people, with culture, with work, with nature, with our own bodies and minds”
— As vegetarians who eat slow and move slow, Sloths conserve their energy and live happy lives. So maybe we humans can learn something from them at this often busiest time of the year! 🙂 Or just “Retire in Costa Rica!” like me! 🙂
See my collection of sloth photos in two galleries:
Even though Costa Rica does not have all the “safety net” programs of the U.S. (though free medical care & education), plain ol’ regular daily life for Ticos (and most expats) is easier here for the poor than in the states. (And that is even with CR having the highest cost of living in Central America.) I’m first motivated to say this because of the latest article in the “Live in Costa Rica” blog:
Also because I know that there are people from the States living here on no other income than their monthly Social Security check. A person can live solo here on a thousand dollars a month, though very simply. For residency (like Green Card in States) you must prove income of at least $1,000 a month. I think it would be much more difficult to live on that in the states! (And by the way, I meet that requirement by having my SS Check auto-deposited in my Costa Rica bank account. )
In fact there is a whole website & tour/conference program here entitled Retire in Costa Rica on Social Security. George supposedly shows you how to do it. (Disclaimer: I have not participated in his tour/program but like his concepts and his Intro Video!) On his site he quickly refers you to another blog/website that I know from experience helps you with specific budgeting: Retire for Less in Costa Rica. I highly recommend their newsletter/blog as the best for someone retiring here on a tight budget. It just may be my favorite newsletter on retiring in Costa Rica!
Remember that a large number of Ticos live here on less than a thousand dollars a month (even families). They do not travel somewhere every month like me nor have some of the luxuries I have, nor eat out in restaurants, but they are very happy and live productive lives in one of the happiest countries in the world. And like me, most have no car! 🙂 That is one of my biggest savings and helps me to afford my monthly travels, thanks in part to affordable public transportation!
I do not talk budget/expenses much – not the focus of my blog – but it is the purpose of the two blogs linked above. If you are concerned about affording retirement in Costa Rica, you must subscribe to the Retire for Less in Costa Rica blog/newsletter and check out the social security one.
Then come experience the tranquil life of adventure and happiness in the land of Pura Vida – Rich or Poor! 🙂
The Feature Photois a current shot of the fading graffiti on the wall behind our public college-prep high school, Colegio Liceo Atenas. It may not have been intended to represent poverty, but it seems to fit for me. 🙂 The phrase written to the left of the face, No dejemos que los niños pierdan su sonrisa. is roughly translated: “Let’s not let the kids lose their smile.” And the schools along with the Catholic Church work hard to help those in poverty, especially children. I find happy children in the poorest neighborhoods I walk through. As my grandmother used to say, “In life you do the best you can with what ya’ got.” 🙂 And that is . . .
I encourage you to follow the above link to his original article and maybe get acquainted with his blog. BUT, I wanted to “update”or add my comments to the list in dark red thathe copied from Tico Bull below:
The following list is a generalization, though, so obviously doesn’t apply to all Americans and Canadians.
Not being able to pay a bill by mail (send in a cheque). In the past, you had to go to a particular business to pay a bill, now it can be paid online or at the bank or supermarket, but no check in the mail. Through my local bank I have all my regular bills “auto debit” paid automatically except my rent because my landlord uses a different bank.
Not being able to receive mail at your home, six days a week.
Not being able to send mail from your home, six days a week.
There is periodic home mail delivery in Atenas (and some other towns), but if you are not home the carrier will often just stick it in the gate and wind can blow it away, thus I have a moderately priced post office box for my mail address to avoid worrying about being home when the mail carrier comes. Plus I have a U.S. Address in Miami through Aeropost.com for some mail which I pickup at the Aeropost office in Alajuela when I am notified by email. Going there on a free bus.
Not having Amazon Prime. Similarly Netflix is hugely different here with not nearly as many movies included because Hollywood wants each country to pay some outlandish fee to “license” the showing of their movies in that country. Here you get lots of Spanish language movies with a limited number of usually older American films plus lots of TV shows and fortunately a lot of nature shows, Nat Geo stuff, etc. Some of it is in verbal Spanish with English subtitles available, though more is in the original English with Spanish subtitles available. My personal default setting on Netflix CR is verbal English with Spanish subtitles which helps me a little in learning to speak Spanish.
Knowing that even if you order something online, there is a good chance that someone in customs will decide they want it and confiscate it. Using a service like Aeropost.com for internet orders solves that problem as they walk it through customs and have insurance on your orders. It is expensive, but most of the cost is the customs charges or import taxes. Worth the cost to me. I order everything on the internet sent to my Miami address at Aeropost.
Having to pay very high import taxes on any package that gets through, including items confiscated out of it. Import taxes & Sales Taxes are high here, but there is no income tax nor much property tax, so it kind of evens out for most people.
High priced cars. I have no car here and walk or use taxis locally and buses to other towns which are free or discounted for a senior adult. I go to Alajuela regularly by bus totally free!
Towns and villages that have either dirt or gravel roads. This is changing rapidly! i.e. Atenas Central is all paved, though a few rural roads out of town are still gravel. “Backwoods” or out of the way places are still not paved and the popular tourist town of Monteverde is one example, but they are paving the highway to there as we speak! 🙂
The necessity to have very good home security, either through iron bars at the windows, high walls, dogs, security guards, or all of the above. Americans and Canadians typically don’t wall their properties; dogs are pets; and enjoy large, plate glass windows with no need for security bars over them. I’m in a “gated community” called Roca Verde with an entrance gate and 24 hour guard service and we rarely have a problem. I’m in a “casita” or little rent house on the fenced & gated property of a big house and I have no bars on my windows and no dog and have never activated the built-in burglar alarm. I used to leave everything open and unlocked even at night, but one evening someone walked into my house while I was there and grabbed my cell phone and left. That and a backpack being taken from the floor of a touristy sidewalk cafe in Puntarenas my first year here are my only two robberies. Common sense helps, like I lock my doors by nightfall now and hang on to my backpack.
The need for women to hold their purses at all times, never putting them on a bench or a chair beside you or it might get stolen.
The assumption that if a repairman comes to your home, he will speak to the man of the house, rather than the lady of the house—even if she knows more about what needs to be repaired than her husband. This is changing now with so-called chauvinism frowned upon by all generations, especially the younger. There is a high respect for women and all older people.
The extreme caution one must take before letting someone (repairman, employee, new acquaintance) into your home because he/she might come back and steal from you later.
If something is accidentally left somewhere, you can know that someone else took it. There is no going to lost and found to see if the item was turned in. Depends on the place or people there. I’ve returned to a business for an umbrella left and it was still there and once briefly left my wallet and got it back.
Each culture is different. American and Canadian culture has a few things that other cultures view negatively. But there are always reasons behind cultural differences.
As an Italian, for example, we are loud, especially among a group of friends. Americans and Canadians love their large personal space. Costa Ricans and most Latin Americans can’t understand stand. Nor Europeans for that matter.
In addition, the majority of Americans, Canadians and Europeans have a level of personal honesty and integrity not always seen in Costa Rica, despite Ticos adopting much of North American and European cultures. An example of that is eating at a mall food court, but ladies won’t hang their purse or he his backpack on the back of the chair.
Living in a home with huge windows with no bars is unheard of, unless living in a gated community, but even then it won’t be surprising that someone will put up bars. For example, as I write this, I am looking out of my big glass window onto my yard, about 30 meters from the street. The window has bars, but I refuse to put up razor wire on the metal fence. I have dogs.
In closing, generalizations can be helpful, but they need to be understood for their limitations. Each culture has beauty if you’ll take the time to look, adapt and adopt the “pura vida”. Maybe his most important statement!
Much of this sounds like a typical “negative American” who criticizes everything not American and thus really has no business living here. Most of the above is true to some degree, though the dishonesty and thievery by Ticos is greatly exaggerated and in my small town I find almost everyone to be honest and very helpful to or accommodating of foreigners. And remember that you are the foreigner, not them. 🙂
It is essential that one adapt to the local culture when they move to another place anywhere in the world and recognized that it is yourself that is “abnormal” not the locals. You try to speak the language and go with the culture and they will love you and help you in every way possible! I’m amazed at the many Americans who in the states expected Mexicans and Cubans to learn and speak English there, but they don’t even try to learn Spanish here! They become “The Ugly American” of the 1958 novel by Eugene Burdick and William Lederer. 🙂
One of the things the government is doing with the increased taxes is providing free WiFi all over Costa Rica in most public places: national and city parks, libraries, all government and public buildings and for university students access anywhere for free. The online world is expanding everywhere and more countries like Costa Rica are providing it for everyone. Read this article in Living in Costa Rica Blog:
The featured photo today has nothing to do with the article, but I liked it and never found the right place to use it in all my reports on Xandari. It is a Rufous-capped Warbler peeking around a leaf in the Xandari Gardens. Now my post on both negatives and positives of living in Costa Rica 🙂
This last month we got a new tax in Costa Rica, as if we didn’t have enough, the “Value Added Tax” was passed by the legislators to replace a 13% Sales Tax on a limited number of items which in essence just expands the sales tax to almost all items and even services now, still at 13%. For example, my National Healthcare Insurance fee (based on my income) was 13% more this month with the VAT as was my meal in a restaurant last night. The Costa Rica Star English Language online newspaper had this article: Crazy New Tax Laws in Costa Rica That you Need to Know About. And remember that this is on top of one of the highest import taxes (Trump would love) making cars very expensive here. BUT, we have no income tax and one of the lowest property taxes in the world. So, maybe it evens out?
Yet Christopher in his “Live in Costa Rica Blog” had this to say recently with his biggest specific complaint being the economy of Costa Rica:
It really boils down to your attitude towards locals as an expat. One reason I liked Costa Rica better than Panama for retirement is because the retired Americans are not quite as segregated into English-speaking groups here as in Panama, nor is the country as “Americanized” as Panama, but unfortunately we do have segregation here too and some Americans who never intend to even try learning Spanish. (I’m not very good, but I try daily.)
Now as one who also tries to stay positive I cannot complete this article on negatives without at least two positive! 🙂
Two stories of interest for anyone considering a move to CR or any other country: (1) About a man who came 50 years ago as a Peace Corp worker and still lives here and (2) Another useful article on “Why move to Costa Rica?”
This link takes you to the online English Language Magazine, El Residente, for the organization Association of Residents of Costa Rica, ARCR that has articles like these in every issue. It is free for members and if thinking of moving here, I encourage you to join ARCR. They will be your biggest help when you finally take the big step! And that’s another positive! 🙂
Now that link should take you directly to the article but if it doesn’t, then note that it is in this month’s or June 10, 2019 issue of the Newsletter from my friends Paul & Gloria: Retire for Less in Costa Rica which link should take you to the issue of their newsletter with Rob’s article. Just scroll down to the article. And by the way, if you are seriously considering a move here, you need to subscribe to Paul & Gloria’s newsletter for so much of the little nitty-gritty practicalities and also to learn how they save money much better than me.
The Evans’ did not use ARCR like me and did a lot of other things differently. It will inspire you if you are one of my readers considering a move here. Check it out! There are many different ways to get here! 🙂
I have always been a map person and my first two years here I rented cars for most of my trips, but found that my old habit of using maps did not work well here because the actual highways, roads, streets and houses/businesses are mostly not numbered or labeled, therefore not relatable to a paper map. Thus I always got a rent car with a GPS included that works great here and many locals prefer the free WAZE on their cell phone. But it removes your brain from the challenge of getting somewhere as the article above suggests.
Now that I walk everywhere in town, I use my brain instead of GPS to get around using landmarks like a true local. (Yeah, with cell phones you can walk with GPS too! I don’t!), Here are some typical Atenas directions using landmarks:
MY HOUSE: Take the street that dead ends into La Coope Gasolinera south until it ends at Avenida 8 (locals still call it Calle Boqueron), then left about 300 meters to the Roca Verde main gate on the right. Inside the gate go straight about 150 meters to the 3rd gate on the left, 105 Roca Verde (which is labeled).
SPANISH LESSONS ATENAS: From Central Park Atenas take the street behind the main church west about 250 meters or 150 meters beyond Pali Supermercado to a house on the left before the Lions Club and Police Station, in front of Veterinario Occidental. There is a “Spanish Lessons” sign on the gate.
OR MY LOCAL LAWYER: 100 meters south and 75 meters east of Justice Court. (Most know the courthouse, but I can add that it is at corner of Central Park near church.)
And of course all of these directions exercise my brain even more when I try to give them in Spanish! 🙂 Yep, I’m very slow at learning Spanish but learning another language is another good deterrent to Alzheimer’s! And as a walker in town it is amazing how many cars stop and ask me directions to something, usually in español. Mental exercise! 🙂
Another simple health advantage to retiring in Costa Rica! 🙂
“Remember what Bilbo used to say: It’s a dangerous business, Frodo, going out your door. You step onto the road, and if you don’t keep your feet, there’s no knowing where you might be swept off to.”
– JRR Tolkien
Electric Cars in Costa Rica?
Those considering retirement here who are also ecology-conscious will be interested to know that Electric Cars are in Costa Rica and available for those who can afford the sometimes higher cost (though one Chinese Electric Car sells for just $15,000!). For details on prices and availability see this Live in Costa Rica Blog article: EXPAT RETIREES AND ELECTRIC VEHICLES.
AND THESE RECENT TICO TIMES ARTICLES ON ELECTRIC CARS IN COSTA RICA:
For anyone considering retirement or otherwise living in Costa Rica, be forewarned that you must learn to live with the 300,000+ species of insects here on this land bridge between North and South America (with insects from both continents!). The featured image at top is of two “Jewel Bugs” or “Metallic Shield Bugs” I photographed in Corcovado National Park. Below photo I made this morning of a “Leafcutter Ant” on my terrace carrying a flower petal (bougainvillea) instead of a piece of leaf, which is common.
Many of the insects that pester me seem to come in waves; like just before rainy season the little long-winged fliers that dropped or left their long beige wings all over my bathroom, or the first two weeks of rain was the invasion of houseflies (which Deep Woods OFF doesn’t seem to affect!), and right now there are hundreds of tiny little black & green beetles on the walls, around the lights and all over me! I even got one going down my ear the other night – ugh! They don’t bite, but a bother! Too small to photograph.
My biggest deterrent to the many kinds of bugs are the Geckos that live in literally every room of my house and I think eat most types of insects. From my first day here I have tried to photograph the larger insects (some are just too tiny) and you can see my collection in the gallery named INSECTS CRunder OTHER WILDLIFE in the main gallery. There are more than 100 species of insects in my gallery and especially interesting or unusual are those in the sub-gallery Other Insects, like the above Jewel Bugs, many of which I have not been able to identify. And all of which serve a purpose in the cycles of life. Of course the most popular sub-gallery is Butterfly & Moth (81+ Species).
A Break From Blogging
For regular readers, I assume you have noticed several days without a post. Sometimes I just doesn’t feel like writing and/or in this case got focused on my old photos again as I am slowly adding them to my galleries, particularly the Pre-Costa Rica TRAVELgalleries. It is a slow and labor-intensive process that eventually I will complete. I uploaded all of my international trips first and now working on USA trips from the most recent going back. Then comes the most, Tennessee travels. And most of these are after my retirement began at the end of 2002. I have been blessed to have seen so much of the world and get to know so many cool people!
Sunday afternoon I was a part of the Board of Directors meeting for the local children’s home, Hogar de Vida. The rest of the board seemed surprised and appreciative that I am the first person to include the children’s home in my will. But I am not a very good board member because I am not fluent in Spanish, in which all business is carried on! 🙂
Otherwise I am “Living Slow” as my sloth T-shirt says!
A fast approach tends to be a superficial one, but when you slow down you begin to engage more deeply with whatever it is you’re doing. You’re also forced to confront what’s happening inside you – which is one of the reasons why I think we find it so hard to slow down. Speed becomes a form of denial. It’s a way of running away from those more deeper, tangled problems. Instead of focusing on questions like who am I, and what is my role here, it all becomes a superficial to-do list.