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No – though the first time I saw these bright pink flowers on top of the cactus plant at a house I walk by frequently on my way to town, I thought is was going to be a beautiful cactus! But it seems that the owner of that house has allowed his Bougainvillea to climb over from the wall to the cactus and from a distance, the second photo, it looks like it’s blooming. And some cactus here do bloom, but I’ve not seen that one bloom yets.
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:
| It is better to be poor in Costa Rica than the United States |
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 Photo is 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 . . .
¡Pura Vida!
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| This makes me officially an old person “Adultos Mejor” as stamped on my file. |
But what is really nice is I now ride the bus for free and get in all national parks free and other benefits I haven’t even learned about yet! Plus I get to wait in the shorter lines at bank and other places plus it is just nice to live where there is a sincere or genuine respect given to older people.
And don’t forget to check out my newest book, My First 50 Butterflies in Costa Rica:
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| Click image to preview online and do it with full screen view! |
My whole time at the clinic including the nurse weighing, blood pressure, etc. visiting with a doctor, waiting at lab for appointment was only about one hour. One perceived problem with government health programs like this is that you have longer waits. Not so this time! All went efficiently and quickly and I was quite happy with the service! I’m now in a health plan like Bernie proposed for you guys in the states. It is great! Sorry no photos this time. Didn’t think of it at the time.
Ticos just call it “Caja” which is part of the name in Spanish. Here is a summary definition from Wikipedia:
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| My Carné card is what will get me all needed medical service; including prescriptions, doctor visits, hospital, surgery, tests, etc. at no extra cost to me above the $114 a month coverage fee based on my U.S. Social Security income check deposited in a bank here. |
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| The instructions said bring the original of each needed document and one copy. In my usual overkill I made 3 copies of all and took it with me. He didn’t even want one copy beyond the originals, BUT . . . He did not like the digital printed receipt of my electric bill and made be go for a traditional paper bill mailed to houses with no email. Very difficult to get! But with help of my amigo Jason Quesada & landlord, we finally got it in time. |
I still have to go back to Immigration 28 July for my Cedula or residential ID card, but I am legally a resident now with full medical coverage. An American Tico? Well, more secure anyway! 🙂
Import taxes are very high here, especially on big-ticket items like automobiles. But I chose to not have a car and get around on foot, taxis, and buses with some of the lowest public transportation costs in the world. When I add the low cost of medical care, being some of the lowest and yet best in the world, I save money. Eat local, natural food from the farmers’ market and food is cheaper as well as healthier. Eat imported U.S. products and you pay a lot more than you would in the states. There are Americans here who actually live on their Social Security Checks and some have made it an art to live on less here such as Paul & Gloria at Retire for Less in Costa Rica. Or check out George Lundquist’s “Retire in Costa Rica on Social Security” Tour. It is not the most expensive place for these folks!
So it really depends on what you want to do and how much you want to spend. I splurge on some birding trips and some foods I enjoy, while living very easily without owning a car. I find Costa Rica to be a very Easy Place to Retire. And so far costing me less than the multi-level retirement center I last lived in while in the states. And I think I live in luxury! Just read my blog and decide! 🙂
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| Phons sent me his photo of one of my future neighbors, an iguana. Hope I get photos this good! I think he and I will get along fine! |
I’ve made the deposit and it is confirmed that I will be moving into an apartment at Hacienda La Jacaranda in Atenas, Costa Rica the end of December. It is run by a lovely Dutch couple and he, Phons von der Bom, has been corresponding with me and sent the above photo plus one of a butterfly earlier. If you zoom in on a Google Map of Atenas enough you can find the name of the apartments on the map, just north of downtown within about 8 blocks of the Central Plaza and a Super Mercado and of course the weekly Farmers’ Market every Friday. And the Map Link above includes a map pin for Helados POPS, the best ice cream in Costa Rica and some of the best I’ve ever eaten. I had my first Fig Ice Cream there!
Birth Certificate has been returned with an Apostille on it, thus one more document ready for the residency application. I earlier printed out my filing with the U.S. Embassy (State Department) of my intentions called a “Smart Traveler Enrollment Program” which Jose wanted on file. But I am still waiting on a letter from Social Security proving a minimum income for residency. Even though the last guy I talked with said he would do it right then, I really expected it to take a while. I just called our Metro Police Department and for the “police report” Costa Rica is asking for on me, they say they call it a “Background Check.” I simply go downtown to the Criminal Justice Building to the Records Window and for $13 they will provide one while I wait. So maybe tomorrow. When that is done, I will only lack the Social Security letter.
And the next step soon is to order my one-way airline ticket to San Jose, Costa Rica and I’m hoping I have enough air miles for it and they have space on their planes for an air miles ticket! If not, one way should cost less than round trip. Then the main job is to clean out this house, decide what to take, what to store, and what to sell or give away – the biggest job of all!
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| A branch of the Savegre River, Costa Rica, 9/2014 Photo by Charlie Doggett – Click photo to View |
Pura Vida!
Here’s a summary of things I’m working on now for the move and at least one sorta funny story in it. This could especially be helpful to those of you considering a move as you see what I actually did on some of the steps I outlined earlier. Pura Vida explained at end of this post.
FIRST, THE CORRECT APARTMENT LINK
The email version of last night’s post had the wrong link for the apartment I’ve settled on, let’s try again because it is a good website with lots of photos I can’t copy: Hacienda La Jacaranda and I just tested it and it worked, but just in case, here is the address: http://www.atenasapartment.com/ And yes, I have a two bedroom, so a guest room for you! Knowing I can get off the plane and go to my new home is the first big relief! Pura Vida!
“One Exchange” is the proxy for health coverage plans for LifeWay Retirees. They mainly help you pick out a policy that they sell you for their percentage. I talked to two people, the last of whom kept putting me on hold while she talked to her supervisor. They are all ignorant of what to do and even though I told them what my research indicated was possible through a Medigap Plan for 60 days, they knew nothing about it and said they would have to research it and get back with me. A big waste of 45 minutes!
Then I call my Medigap Insurer, Mutual of Omaha, and told them what my research showed and asked if my Medigap was one with the overseas coverage. They were the opposite of One Exchange. Misha was knowledgeable, polite and helpful. In just a few minutes she confirmed my research and told me that my Mutual of Omaha Medigap will cover me overseas at 80% for the first 60 days for all medical expenses that Medicare would cover in the states with a $250 deductible and $50,000 maximum. That will give me 60 days to get the Costa Rica policy I was told would take 5 weeks (35 days). I will not cancel my Mutual of Omaha Medigap Insurance until AFTER I have the local policy in hand as recommended by Mutual of Omaha and common sense, in case something doesn’t work out. (If INS took longer than 5 weeks and I have an emergency, I can fly home and be covered as I am now.) I am so relieved about something that was beginning to be a concern. There is now a plan in place to keep me with medical insurance at all times during the transition. I believe I will make it through this move just fine! Due diligence, planning and proper timing pays off!
Pura Vida! (A Costa Rica slogan, literally meaning “Pure Life” but used to express the joy of life, happiness, greetings, etc. The above efforts are part of my cost to soon gain Pura Vida!)