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Marsrox

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  1. Thanks to all that gave opinions about phone choices based on their experiences. I took notes of the highlights using a pen and paper, which seems incongruous to the task at hand. In my defense, the pen did not have a feather attached. Special thanks to induna for the technical advice and to Eleanor for sharing her favorite aps. It must be serendipity that this morning over the breakfast fruit plate I was reading the Jan/Feb, 2014 issue of "Money" magazine and they mentioned her fave 'Project Gutenberg' as an excellent free download site for books. I enjoy all the classics, especially those from historical periods, even re-reading books now that I first read in junior high school, so I better check it out. And re: Money magazine - In a couple of weeks I'll visit Mom in Ft Myers and she's an avid 'thrift store' shopper. She has a route (usually going with friends) and I enjoy the treasure hunt. People donate their Nat Geos, Sports Illustrated and my favorite, "The Economist", all of which I buy in bulk @ 4/$1, reading them, then recycling to anyone I meet here that might be interested. While some might wonder what value 'old' magazines have, its an entertaining opportunity to look back in time. In the case of the a fore mentioned financial magazine, one discovers that 'Money' offers >50% terrible stock/mutual fund advice with an authoritative straight face. I'll never relate to their audience of "for those making $250,000 - $400,000/year" who have to be told that (commissioned) 'financial advisors could (should) be replaced with an index fund tracking the market.' Articles relating how to "save $12,000/yr by limiting impulse shopping" don't relate at all to my budget where stopping for roadside jacotes are about as impulsive as I get. As for as "The Economist", one can begin to learn who's political and/or financial opinions are worthy of consideration. Thanks again for all who opined. Marsrox
  2. At the moment I have a c15,000 mobile phone that allows me to call and be called, along with something called 'texting' for which my fingers are too fat. It has a flashlite which is among the other options I never use. But its obvious that my acquaintances and business relationships demand I move into the 20th century. Next month while in the USA, I plan on purchasing an 'unlocked' cell phone. 'Smart' it will be, much smarter than I. Looking at Best Buy, I note that some phones only work on GSM and some phones only work on CDMA. Could someone please tell me what I need to buy so it will work here? I'll not be biting into the 'Apple' and android works for me. I won't become (hopefully) one of those Zombies walking the streets oblivious to life and uneven sidewalks. I avoid all social media unless forced to comply, so I want just the basic phone for (gasp) talking and being talked to, but with potential to 'wuzup' (no idea why I need that) and scan barcodes for info and pay bills by pointing. All opinions will be appreciated. Thanks. Marsrox
  3. Dear E2: It has very much to do with LIVING (caps are yours) here because it relates the maximum amount that US govt employees can be reimbursed as they travel around the country or while residing here on assignment short term. It is not meant to describe the allowance for long term rental housing which would be covered elsewhere in an 'employment contract' and subject to that employees job position, length of service and whether a rural or urban work site. I am suggesting that it allows a person pondering foreign retirement to review the relative cost-of-living in various countries and use these published allowances to compare them with every other country in the world. I'll oblige you with an example. If 'lodging' has a max payment of $147 here and $109 for three meals/day but $87 in Managua for a hotel and only $65/day for food it seems obvious that one can gain some reasonable baseline perspective of the cost-of-living between the two countries. My conclusion from a study of the data for Costa Rica v favored alternative 'retirement options' like Ecuador and Panama showed that CR was in line and not excessive as claimed by some. According to their website, rooms are advertised for $73 - $199 depending upon which of 7 Marriott locations you select in Costa Rica.
  4. Since it seems one cannot copy and paste certain links (?) because of the way this site is formatted, for the benefit of those interested in the cost of living comparisons based on US State Department employee per diems, I'll type the link as it appears. Please delete the spaces meant to keep it from looking like a link. Don't forget the periods! http:// aoprals. state.gov /web920/per _diem_ actionasp? menuhide= 1&countrycode =1048
  5. I clicked on the link this moment and there's the State Dept page as expected. I have Norton installed and received no warning. Perhaps if this topic interests you, go directly to the State Department website and search 'per diems'. Marsrox
  6. The US State Dept publishes a per diem for their employees in-country and thus is an excellent way to compare what it may cost to live in selected countries. Flip around their website to view comparisons. https://aoprals.state.gov/web920/per_diem_action.asp?MenuHide=1&CountryCode=1048 MARSROX
  7. induna has presented an clear, solid and factual academic description of the past, present and future state of the colon currency exchange v the US$1. I hope that readers will make the effort to gain from his insights and honor his contribution by reviewing this fine work. This type of exchange is why I read the ARCR Forum. Together, our joint experiences and knowledge can help us make our lives here better. In the interim since I posted yesterday, I wondered if there were formulas/calculations that could be made to attempt to forecast currency velocity changes and their direction by inputting directional movements of a country's economic variables. Nope, not on my abacus, there are too many unknown variables. But I did find this excellent site which really opened my eyes about this country, and I site I will now reference monthly. http://www.tradingeconomics.com/costa-rica/balance-of-trade induna has done well trying to predict the future, apparently his crystal ball isn't suffering the cataracts mine seems to have. The initial take away from the data revealed at the above link, and I went down the list one economic stat after another while comparing the data with countries of comparable developing nation populations, suggests that whatever forces are presently levitating the colon are having their heads twisted back by the headwinds. Nearly every economic data point points to a weak and getting weaker colon. - Unemployment is expected to rise from around 9% to 10.5% by the end of the year. - CR has its lowest growth rate since 2009. - CR's competitive business ranking v the worlds country's has fallen since 2008. - CR'S 'corruption index' v other country's has risen for years and is now at its all-time high. - External debt (as noted by induna) is at its highest % of GDP. The most crucial support of a strong currency is to have a positive 'balance of payments' and YOY (year over year) exports are down -22.2%, imports are down -10.8%, making for an August, 2015 balance of payment deficit of -$538 million/yr compared to a historic average of -$243 million/yr, even with the drop in the price of oil. Should the US Fed raise interest rates, even +0.25% would represent a serious challenge to CR's weakening economy. One can wonder now if some tipping point would be reached. Most alarming was that Costa Rica in August- though having a +2.90% YOY 'food inflation' rate- has a negative growth rate of -0.74%!!! Costa Rica has a deflationary environment at the moment. This is alarming should it continue. Deflation feeds on itself and is the most difficult economic cycle to break. Public consumption behavior in an deflationary environment means "I'll wait to buy it tomorrow when it is less expensive." The economy shrinks. This is evident already from the slowing purchase of imported goods reflected in the index (see link). For the purpose of this thread, consider that if people slow purchases, sales tax revenues to the govt shrink. The govt already can't pay their bills. Will this lead to forced govt budget frugality? Will the govt cut pensions? Shrink the bureaucratic workforce? Cut services like the police? On this bucolic Sunday afternoon I'll leave everyone to ponder the result of these possibilities. Marsrox
  8. "I would just like to make one factual observation with respect to the value of the Colón. Virtually all of the central bank's interventions have been to prop up the value of the dollar, not the Colón. Without intervention the tipo de cambio would be lower than it is now, not higher." Induna was kind enough to provide a link (see his contribution) to an article in La Nacion that included a chart of the recent currency interventions by the CR Central bank. I had not seen this and it was the opposite of what I would have expected. All actions were to to apparently to buy dollars by selling the colon thus weakening the colon. Astounding. I set out the case yesterday that the govt seems anti-business and borrows 46% of the budget. I mentioned other factors that collectively are the kind that hinder growth, which we are seeing, and thus it could be expected that the colon would weaken. Why does this matter to you, or even Eleanor the Second? Do you spend any money here? If one believes the colon will remain stable and inflation low, one might drop a large chunk of their investment money into a 8% interest paying colon-denominated CD. If one believes the colon is due for a correction, one would temporarily limit the amount of US$1 they change or postpone a major purchase in anticipation of a better rate later. Like keeping up with FATCA and FUBAR and changing regulations for your house-helps bi-annual salary adjustment and Caja payments, none of this has to do with 'bemoaning' anything and everything to do with keeping wary of what might jump out of the bushes and bite you. Happily, most info of this nature could be gained from a laptop propped up next to the bird feeder. :>) Back to the colon (named after Christopher Columbus) and of most interest to me was induna's comment, "There are many structural reasons for the Colón being too strong, but the central bank's policies are not one of them." Again that's contrary to my understanding but one reason is that according to this April article in Bloomberg, the drop in oil prices are saving Costa Ricans about $1 billion/yr. http://www.bloomberg.com/news/articles/2015-04-30/costa-rica-currency-outperforms-region-as-oil-cuts-dollar-demand Marsrox
  9. First, a note of thanks to Paul (eppicat4) for helping me navigate the path through the apparently un-mapped maze enabling me to post a 'new topic' to the ARCR forum. I could find no directions for this task. 'Right click' failed me. Humbled, I. In the past there has been unvarnished derision against one contributor that fears for the economic future here. He's got a point. Developing economies worldwide are falling like cards leaving Costa Rica as seemingly the last man standing. Or maybe just leaning for support against the extinguished volcano still claimed 'eruptive' in Fortuna resort advertisements. I'm reminded of Dali and the bizarre crutches he liked to use to support his hallucinations. The simile says something of my perceptions of the place. *********************************************************************************************************************** None of us own a crystal ball - mine is cloudier than a mountain top during the rainy season. We've all read how export and tourist industries here wish for a lower valuation for the CR colon. We residents selling dollars would be advantaged, too. The colon, an inexplicably pricey currency causes CR products to become noncompetitive on the world market. Discourages investment. No new jobs. Yesterday, President Solis voiced his pledge that he will allow the CR Central Bank to remain 'independent' and he will not attempt to influence their currency peg. Has he found a 'bully pulpit'? So one can therefore assume that the colon will continue trading in its present tight range. Solis' actual lack of influence regarding this pledge recalls the very nature of CR's unbacked, turn-the-printing-press-on-a-little-faster-please currency. (Yes, we can discuss the US$1 characteristics later, but it is the worlds' 'reserve currency', a different beast). US Dollars, Euros, Swiss Francs, Swedish Kroner, Thai Baht, are very liquid and convertible currencies that trade on the world market. The Colon does not effectively trade outside of the border of this country that's 1/3 the size of Florida with a GDP equivalent to a large American city's combined education and police budgets. Normally, a country's anticipated economic condition going forward determine its currency value. Job growth (and its quality) is the main engine for economic growth. Certainly, Costa Rica enjoys advantages in climate, relatively good security and a population segment of well-educated people that are striving to create a world-class location. But they are forced to take two steps forward to counter everyone back on their road to success. The govt is not supportive but a drag on production. Costa Rica has recently lost many high-quality jobs from companies leaving the country. Por ejemplo, Intel chip-maker had the worlds' 2nd largest factory here, and computer chips for years were CR's largest export, more than bananas, coffee and pineapples. What happened? CR's electrical/power costs are about the highest in the world, even while ICE brags that they just enjoyed a period of sourcing (free-to-low-cost) 100% renewable energy. Intel cites these extreme costs as one reason they grossly shrunk their operations here. I note that it seems businesses are charged a higher 'commercial' rate, perhaps triple (?) then the already grossly high rate for households. Air conditioning in hotel rooms or power to run machinery shouldn't be a crippling cost. Large businesses should be given price breaks to encourage expansion and job growth, not putative charges. Costa Rica is very slow to allow business creation because of tramites. I seem to recall it takes around 150 days to open the doors of your store here, but only about two days in Singapore. Your business can't hire if it can't even get the doors open. The unsettling tax situation while the legislators ponder the value-added scheme doesn't support job growth. Last years' attempt to charge hotels five years back taxes doesn't support job growth. Contract law and property ownership are negative factors here for siting businesses or attracting residents because breaking a contract or squatting on illegally-obtaining title is tolerated. Should one be so unlucky to fall into this hole, be prepared to wait years and years for the courts to even hear the case. And any judgement is liable to endless appeal. How can one consider opening a business here? The govt needs to borrow 46% of next years budget, not the highest % for a country, but reflective of the lack of will to cut fat pensions and duplicated govt workers. Humans everywhere seem to suffer this debilitating malady, though. The conditions I've noted of falling employment, monopoly pricing of electricity, unbridled bureaucracy, uncertain contract law, coupled with high national debt do not support a strong currency. So one could look around and wonder if the housing and commercial construction sectors are pulling the country ahead? I'll not share my opinion on how some/many of these projects are 'funded'. Please note that published govt statistics show a decline in all types of construction during the last 'trimester' across all provinces of the country. Is there a condo bubble? One developer is offering to finance your down-payment without interest for 18 months for his 'preventa' project. Wow. Right. He has not broken ground, may not even have los permisos in hand, but will happily pocket your monthly funds while you accumulate your 20% down payment. Once complete, you better have your 'hipoteca' in hand from a bank to close the deal. The developer's sales pitch? "You will enjoy locking in the (lowest) sales price now while your property value increases". As every ad states in our free bienes raices magazine, "Real estate is your best investment" (see 'US HOUSING BUBBLE OF 2008-9'). ********************************************************************************************************************************************** As an example of how job growth influences a nations economy and therefore its currency, today the US released job data for September which revealed a slowing rate of job growth. One of the US Fed's two mandates is to control inflation, and the target is to stay under 2%. Rising wages from job growth that leads to competition among employers to pay more to higher qualified workers is one of the most powerful forces to cause inflation. Less jobs, like today's data revealed, mean lower wages and low inflation going forward. The announcement of slowing job growth in the US set off a worldwide chain reaction. One nano-second after the release of today's job data the worlds ever-alert financial computer algorithms spit out buy/sell orders and caused the US Dollar to trade lower because low inflation will force the Fed to wait to raise the Fed funds rate, a persistent 'fear' for some time. Had there been more jobs created, the dollar would have strengthened with an assumed higher Fed funds rate to come. Stronger currencies are indicative of a disciplined Central Bank trying to keep growth and inflation under control. Bottom line, while any country's Central Bank can briefly 'support its currency' (making it stronger by buying it up with dollars on the open market creating a 'shortage') or deflate its' own currency by selling it for (usually) dollars, outside forces also move it, and rarely if ever can any country long afford to overwhelm 'international opinion' when going against the financial resources of the entire world. Uniquely, the colon is lightly-to-not traded on the open world market, so the CR Central Bank marches to its own drummer. Interestingly, nothing happening outside these borders matters to affect its value. Russians meeting with Iraqi officials to share intelligence and expand the war? Hohum. Coffee prices collapsing? Pura Vida. One could use the words 'artificially' or 'by fiat' when describing how the colon's value is derived. Interestingly, while Scotiabank pays more or less for dollars than the BNCR, there is no 'black market' to change dollars here like exists in many other countries. I once sat down in a puro-campo cantina with the VP of the CR Central Bank and over a Rubia asked him why CR didn't just follow Ecuador, Panama and other countries and dump the colon for the US$1. "Patria." I understand how job growth supports an economy and influences currencies. Strong currencies allow for low inflation environments, weak currencies help exporters, make imports expensive. But I'm sitting on top of that cloudy mountain with the rest of you trying to part the vapors to see what direction this train we're riding is taking us. It would seem likely to become an increasingly bumpy ride. Marsrox I've attached a supporting opinion piece of comparative economics that will further inform the discussion. "Seeking Alpha" is a worthy addition to your daily reading regimen. http://seekingalpha.com/article/3544636-deflation-warning-the-next-wave
  10. After a night of shakin' the bees out of the honey hive, "The Hill Bear" (El Oso del Cerro) shared his thoughts with me/us at 3:56 this morning writing: "Wow. That's a lot of words to say that you sound very scared to live in Costa Rica. May I ask what area you live in? Is it San Jose'? Is it a bad neighborhood of San Jose'? I ask because it does sound like either you're kind of paranoid or else you have had some very bad experiences in Costa Rica with robbers etc. Honestly, I thought my security ideas were pretty extreme but yours make mine sound like nothing. If I had to live in fear like it seems like you do, I'd definitely move somewhere where I felt safer. Just sayin'. That said I really don't think MOST areas in Costa Rica warrant the kind of security you're talking about having!" ********************************************************************************************************************************************** It was the best/worst of times, it is the best/worst of times since I chose CR over certain Caribbean islands, Mexico, Ecuador and Bolivia as the place to hang my last sombrero. Bear, here's a "lot more words" (what do you expect from a writer?) I've lived in San Pedro (rented apartment), Los Yoses (rented condo), Alajuela (rented apartment), Ciudad Colon (rented mansion), Tambor de Alajuela (owned a 6,000m2 walled estate with 800m home w/'full amenities'), Santa Ana (rented home in gated community), and am now building a modest home outside of Puriscal on a 1,750m lot with a mountain-top sunset view of the Golfo de Nicoya. 'Unfortunately' for me, since I prefer to live in Campo Tiquicia, the area nearby is surprisingly and quickly filling with retired, wide-eyed newbies, mostly American pensionados, overbuilding the place with spectacular homes sure to eventually attract 'attention'. You rob the bank because "that's where the money is." I wanted to be in the middle of no-where, but its turning into the middle of some-where. At each of those places I once lived, I endlessly heard Tico/Extranero stories of break-in, theft, cars stolen from front yards while the owner's timidly hid behind the doors, bodily threats of every sort. Far more nastiness than anything I heard in my younger days in Ft Myers or Cleveland. For awhile I considered that from the Tico POV there had been so little crime throughout the country's non-militant, peaceful history (not including financial crimes of past Presidents or imported crime from the likes of Robert Vesco) that ANY crime was blown out-of-proportion. But since the turn of the century, I no longer believe that. Crime in Costa Rican is most often unresolved and should the police even catch a perpetrator they practice 'catch and release'. People arrested for forty armed robberies now walk the streets looking for victims. I note that on 'Canal 7 at 7' last night, video taken outside of a Jaco club showed a man shooting and killing another right on the street. There was a small crowd, the guy pushed the 'victim' onto the road, and shot him in the head. Wow. Shield the eyes of the little babies. If I understood correctly, the killer was captured and is presently serving 30 days of 'preventive detention'. Then what? And then what 'detention' does the person who stole your new 55" Samsung flat-screen receive based on that scale of justice? Smells like the laws here were written by Robin Hood. BREAKING NEWS! Dateline Ciudad Colon (July 2, 2015) Truck stolen from Gated Community An American contractor woke yesterday morning to see his recently purchased Toyota truck missing from his locked, gated driveway. "I don't know how they got past the guardhouse, let alone broke the lock on my personal gate and somehow started the truck and drove it out past the guard. I just bought it and thought the past owner said the insurance was still good, but now I see its not. I am a condo builder here and there were six laptops full of all my work on the front seat of the truck." The truck has not been recovered. The owner says that in the future he will install a GPS tracking system and a device to remotely cut the engine. Update: Officials have learned that a young girl cleaning the home of an American contractor while he and his wife were at work, was visited by her boyfriend who allegedly stole copies of keys used to open the owner's gate and drive off with his truck. Although the man has been identified, the whereabouts of neither he nor the truck are known. ***************************************************************************************************************************** This contractor has worked for me. Maybe the events that change the lives of people you know should color your decision making. Ryan of ARCR is a friend of mine, too. I'm unaware of any reason why he was targeted for kidnapping other than he's a 'Gringo'. A past next door neighbor who was affiliated with the CR 'Mafia' had his dogs poisoned and his fancy car stolen from his driveway. He didn't call the cops, he waited for the ransom call, paid it outside the La Sabana McD, and drove it home. When I bought my house he was the caretaker and offered me a loan of a .45 caliber pistol, "You shouldn't live here alone without protection." I didn't want to own a heavy obligation to him and declined. This same neighbor also for some weeks secretly housed WWII war-criminal Bohdan Koziy who was wanted for extradition to Poland, Israel, the United States and Germany. Police from several countries were here looking for him. I know all this because I bought Koziy's estate in Tambor de Alajuela. My interest was first piqued regarding this extraordinary circumstance when my neighbors told me I never needed to worry about being robbed. "Your house is haunted." By the spirits of the hundreds of dead Jews Koziy was accused of having a part in massacring. I sat on the back steps of a house at night that was more ruin then B&B with a beer and called for the spirits to join me. Disappointingly, they never did. Otherwise, one would say that it's a very tranquil neighborhood. I had been in the house for several years when after cleaning up boxes of papers and documents one New Year's Eve day, 2005 back in Ft Myers I came upon a 1985 copy of the Tico Times. I had saved it as a souvenir of my first visit to Costa Rica, here for one week. I saw a headline about a missing Nazi war criminal on p1. I turned to p2 to read the rest of the story and there was a 1/4 page photo of my house. *************************************************************************************** Published government crime statistics reveal the 'percentage of households by canton' that suffer various forms of crime. I consider my move from the Central Valley over the mountains one that will serve me well as I approach my twilight years since the area around Puriscal is statistically the safest in the country. Many of my soon-to-be neighbors don't even have window bars. I talk to workers at the pulperias and businesses and most are proud of the 'tranquility' found in this bucolic place. But in the next years that could change for the worse. I'm building a house for both the present and the future and am acting on that sad possibility now. I won't wait until I am robbed, kidnapped for ransom or murdered to protect my property or life. The measures I mentioned in this thread for the information of 'new-comers' reading this forum were to balance some of the naive, but hopeful commentary found here, not to exhibit unreasonable personal paranoia. Of course most Ticos, like people everywhere, are not dangerous. Just a few. Every apple orchard has some rotten fruit. For those who haven't heard of or experienced bad behavior and luckily wake up and go to bed with the same smile, I'll mention these givens. Point #1 to ponder is that it is probable that the police are not going to respond to your call in a timely fashion, assuming they even answer the phone. Assume that your personal safety is 100% your responsibility. Point #2 is that anyone depending on an INS Hogar policy to replace stolen items hasn't read the policy. Most kind contributors here seem to have the attitude that if things go missing in a home invasion they will simply purchase more. Fine. There are cases where the robbers literally 'back up the truck'. My funds are more limited, many items have sentimental value, so I need to have a different strategy, and mine is pro-active. It has nothing to do with paranoia, nothing scares me anymore. I perceive this threat as a challenge, another cost of living here (along with paying for the Caja). I like to 'win' challenges. Actually, the many challenges here are one of the reasons I love the place, v the vanilla life found elsewhere, although that casts doubt on my sanity with people who must use disinfecting wipes on the handles of supermarket carts at Publix. I could live without the challenge of public buses passing me going uphill around a curve. I'll roll my own dice, thank you. While a lot of break-in theft occurs when the home is known to be unoccupied - and why even a helpless female teenager is considered 'security'- countless break-ins involve people with guns that tie you up with duct tape. Hopefully, all readers here are aware of this. Of course, like winning El Gordo, your personal odds of 'tasting the tape' are < 1% (the flavor is NOT like chicken). But does this sense of reality define me as 'paranoid'? Were you paranoid back in the States when you purchased homeowner's insurance that covered theft? Where you paranoid and fearful living somewhere only calmed knowing the police would respond in two minutes to your 911 call of 'strangers walking in the yard'? Were you paranoid and terrified - even having neighbors suggest that you ought to consider 'living elsewhere' - because you posted an 'ADT' sign in your front yard even though you didn't even pay for ADT? I am not going to pay a guard to sit in a little box all day by my front gate or walk the lot at night. I am not installing electrified barbed wire. I will not purchase a shotgun although I qualify. I'm not putting in a camera security system. I'm not asking someone's maid's daughter to watch TV in my sala while I go to town to shop at Super-Pali. My goal for investing in this limited security is to influence any bad guys to pass by my house since they can't see it to know if anyone is home. My goal is to not wake up at 3am with a gun stuck in my ear. I'm sure that the foreigners I've read about in the media didn't think they would be kidnapped, robbed at gunpoint, carjacked driving back from the beach and permanently missing or murdered. "I'm nice to people!" I'll reiterate my words from the first post to this thread. A wall won't keep out the bad guys no matter how high or radioactive. But blocking the view of your home will create a doubt that only a really stupid burglar will ignore. A wall will keep someone from walking or driving in uninvited. Window bars won't keep someone wanting to get into your home and steal the silverware from backing up a truck, attaching a chain and pulling them off. But they will defeat 'cockroach crime, which is the majority of offenses. I have already installed the 'malla' in my home, which is similar to sheets of rebar used in road/sidewalk construction. It goes under the tin roof and will slow/foil the badguys from moving away from the 'difficult' window bars to pulling off the roof for entry in my absence. I have had the workers, the contractor, and Ticos who know me applaud this 'street smart' action, then tell me countless tales of themselves and others who's homes were violated through their roofs. This work cost me about $100. Solar-powered Motion lights will light up the area and bad guys like darkness. Another $100. A battery backup motion alarm with wireless sensors outside the homes' entry points will wake me up from my slumber so I can at least grab my machete and run at the perp, naked like a crazy man. Maybe he shoots and kills me out of utter terror. If I remember to wear my 'Go Pro' you can watch my flaming but proud demise on You-Tube some day. I bought the alarm system a few years ago for the other house for $500, but this is much less expensive now. I forgot that I need to have a heavy metal ring sunk into the concrete garage floor to shackle down my Toyota Prada Land Cruiser (full extras :>) so it can't be hotwired and driven away the same day I take two buses (because they're fun) to SJO to shop for Chinese groceries. BTW - When I park I use 'The Club'. The one-time costs of these measures is small compared to the deterrence and 'sleep well at night' benefits they offer. Compare them to the annual cost of homeowner's insurance which covers theft, ADT monitoring service, and the taxes you pay for police protection in the US. So six of this and a half-dozen of the other. Does this all work? After 18 years I haven't had a loss. I have had one attempted and unsuccessful home invasion. So far, so good. I will not share other personal danger 'adventures' in Costa Rica, other countries I've lived in or the USA, but I've lived my very full life mostly as a single man (scorned women are sometimes revengeful), a political activist for the environment and human rights (publicly named government agency officials and evil people that want to dig gold mines in the jungle can cause you direct harm) and have owned legitimate and 'hobby' businesses (oddly, not all customers and competing businesses will always be satisfied). I have been targeted by more than my share of the 'slings and arrows' of outrageous fortune because I have strong convictions, offer researched opinions that I hope are not biased by stupidity, and I am not bashful about sharing the good news. That's all fine, you pay to play and its too be expected when I'm in public. Some here will probably share their somewhat different perceptions. But this is about home sweet home, don't invade my castle, knave. The workers building my home have been living in their on-site shack for two months now and tell me that the streetlight at the end of my driveway attracts more than swirling bats eating bugs. My home-to-be is located at the end of a dirt road that peters out to a cow path. Friday and Saturday nights for the last two months of construction has seen late night gatherings of jovens driving up in cars and motorcycles who smoke pot and drink. Probably benign. I'll bet a lot of them wear black clothes and even have tattoos! If I call the police they probably won't respond to this non-issue, but word will get out of my call and I'll make enemies. If my house sat naked on the road, un-walled, un-barred, un-alarmed, and they gathered outside my sala I'd consider it a gross invasion of privacy with the potential to escalate to unknown heights. But there will be a bit of a moat. So I could ignore them, but I'd stew in my juices twice a week since I sought privacy and not midnight regaetton blasting from their cars. What would you do? Me being me, I already know that the first night I live there and they show up I am destined to 'meet and greet'. I love people. Maybe I'll meet a new girlfriend. And maybe if I insist on hanging around asking questions about their lives and cars and making jokes about President Solis' economic austerity plans and tax increases while describing my fears of water shortages and coffee blights they will decide talking to this ole' Gringos not much fun and will go elsewhere. I'll tell them I'm allergic to smoke, "If you don't mind..." Ticos are naturally respectful of the elderly. Maybe I bring out my 'ghetto blaster' and share my favorite Mozart horn concertos (check them out!) Pro-active. So there you go, Bear. A lot more words. I hope they help someone. I wasn't kidding about the horn concertos. French horns rock.
  11. Just a note based on personal experience and observation regarding living securely in Costa Rica - or any other place on Planet Earth. Maybe this dialogue will help some newcomers take steps to live safely in this particular place. We all seek/enjoy 'immersing ourselves' in the flavor of the local culture. It's not a 'vanilla' one like we left behind, but a kaleidoscopic salsa. Of course, no one likes to discuss or worry about their personal safety, that's not fun. But 'pura vida' has both positive and negative connotations. This forum allows us to share experiences that at first seem unique to us, but we learn they are common to all. I write this believing I have no more enemies here than you, maybe less. As a US Peace Corps Volunteer in the Philippines from 1975-78 I was thoroughly immersed in the barrio life. 'Twitter'? I received hand-delivered telegrams teletyped on brown, recycled rag paper. The first year I lacked electricity and the first six months I carried water in buckets from down the street for flushing the toilet, showering and washing dishes. The landlady kept pigs outside my kitchen window making food scrap disposal easy. Crying babies, arguments between spouses, sewing machines pumped by foot at 4am and loud sex was all part of it. The next-door houses were one meter away on either side of my plywood walls. For awhile, young children would stand around my open wood-louvered windows (no screens or glass) to observe myself and my American room-mate go about doing what people go about doing when only their basic needs are being met. We read a lot. Drank San Miguel at room temperature. Played chess by candlelight. The kids, some butt-naked, were entertained until they finally got bored. My first assignment was in Santa Domingo, Albay working with the World Bank/Central Bank of the Philippines in coordination with three rural banks. My task was to locate qualifying small businesses and offer expansion loans. 'Small' meaning a guy growing 100 m2 of rice or two ladies selling abaca (a fiber) place mats to an exporter filling a container parked under the pili-nut tree. The interest rate was 18% and the micro-loan had to be backed by 400% collateral. I wrote contracts (in Bicol) pledging water buffalo and 125cc motorcycles. The process took months but I helped a few people. Then I received two separate assassination threats in the form of notes slid under the door and into my sala. I took the second one very seriously. Certain school-teacher-type friends informed me that these messages were from either the chief of police or maybe the mayor, who didn't want 'competition' to their power/influence from any newly successful business people. Maybe I should find a 'better' job. I was re-assigned by PCorps-Manila and became a track and field coach at a University. The only theft during my years - and I owned nothing besides clothes and snorkeling gear and a Frisbee - occurred one night when I saw an arm extending through the louvered bedroom window searching for things laying on the rattan bed. I grabbed the guys' arm and started pulling, ending up with his T-Shirt which ID'd him as being from the local police dept. Maybe he was not a cop, just someone wearing the shirt. He got away, jumping over the cement block wall with broken glass cemented on top. Ouch. The take-away from this experience and some similar neighborly-deeds here in CR is that foreigners believing that 'acting generously' in their adopted community will inoculate them from theft or danger is not a certainty. And I'll go rogue here for a moment with my opinion that its hypocritical to 'teach English for an hour a week in the school' or express a need to 'give back to the community' as a strategy to gain protection from theft. Do these things because you enjoy helping, teaching and meeting people. Otherwise its just a cynical ploy to avoid being robbed. And it will make no difference anyway. Most of the nice people you help are not the 'dopers' or 'for-profit' thieves who will visit your home with bad intent. I read a statement here from one revered contributor that she "lets people see how much she doesn't have" as a way to avoid home invasion. I won't argue with the success she's had so far. But I note that conversations between Tico house-wives take place with one party inside the bars, the other outside the bars. Why? I must have a different circle of acquaintances after 18 years here, but the advice I hear is to not let anyone inside your house. Maybe I hear this advice because I'm a nosy journalist and ask the question 'differently' then you would to the wise abuelas I know. The Ticos I know believe that for personal safety anonymity is the best shield. The warmest cocoon is found surrounded by family inside the walls of the homestead. I'll suggest that keeping a low profile would best serve the majority of foreigners living here. We've all read the methods some have written about for self-protection. Guns (a true magnet for thieves while increasing your likelihood of your suicide by 1,200%). Warning signs (as if the crooks can read). If you want warning signs, why not install some on outside walls with a red lightning bolt and a black 'skull-and-crossbones' signifying electrocution? Tell your neighbors you have hidden wires on the inside. Obviously, unlike in Dubuque, the police aren't usually responding in a timely manner, and paying INS for insurance for stolen items leaves everything to be desired. I've paid neighborhood gardeners and 'watch people' to hang around my house when I was out of the country. They didn't fulfill the job description, sometimes bringing over others to party. I over-paid the gardener and he could and did hire others to mow the lawn. Then everyone knew I was gone. Over-paying for goods and services here (or anywhere not involving asking Sherpas to cross the Ice Fall again) is not a sign of 'kind generosity' but of ignorance of local prices and hence...... My present security strategy focuses on blocking others from a home invasion which would cause me bodily harm. Especially an event commencing when I sleep. I read one comment here that the writer would wait to increase security until AFTER he had suffered his first problem. Could be his 'last problem'. I live alone. Geese would make a better 'alarm' than a dog that could be poisoned but I'll have neither. I will have narrow, screen windows mounted above eye level (with bars) for my bedroom. The door to the bedroom will be heavy metal and double dead- bolted. Are we all aware of the thriving business here in massive, if beautiful, quadruple-dead-bolted, metal but wood-looking doors costing over $1,000? The dead bolts extend deep into the door. Sure, I won't outrun an earthquake. Above my bedroom teak ceiling will be a 'malla' which is a metal grid, used as reinforcement when pouring a driveway, so anyone outside climbing up and prying off the tin roof when I'm not home will still have an obstruction to saw through. And yes, I will have rolled fiberglass insulation in between it all to keep the rain quiet and the room cool. All other house outside windows will have bars. I know, I know. People don't like burglar bars. Me either. My mother in Fort Myers, 85, mocks me, "I wouldn't live anywhere I needed to have bars on the windows." Jaja. She lives in a gated, check ID, over-45 community with guards driving around at night in golf carts. Last month, someone robbed the next door Wal-Mart and she found 5 police cars parked in her cul-de-sac. I asked her if they caught the guy. She was afraid to ask the cops. So here in Costa Rica, if you live lacking guards on golf carts, gate ID checks and cops who show up en masse in 120 seconds or less for a shoplifter, bars are OK. Here's an idea. Have them custom made, i.e. 'Arte hiero'. For the second time here I'm copying the ornamental bars found protecting the 17th century cathedral in Reims, France. Elegent. On moonlight nights the shadows they cast are beyond romantic. I consider them a fantastic upgrade on all levels. Yeah it cost money, and you won't do it if you rent. My every good night's sleep is worth the investment. If you have a large lot, a wall high enough such that the bad guys can't know if someone is home is critical. And no need to break the bank as any wall can be climbed. Just do enough wall, edged by some healthy, pointy veranera for privacy and you'll dissuade all but the most incorrigible. I reject the concept that by 'building walls' or 'having bars' one increases one's risk by targeting you as someone with special wealth. 'Being Gringo' in Costa Rica has commonality with 'Being Black' in Baltimore. You are at risk. Lastly, an outside, motion-activated wireless alarm system with back-up battery can 1.wake you up if your property has been invaded while the bad guys are still outside of the house and 2. likely cause them to retreat to a quieter place. Am I being unduly paranoid or hysterical? Ask Ryan Piercy. He's got more street smarts than the collective knowledge of this forum. And in the 'nice guys finish last' category I'll reference the late shop-owner in Guanacaste who was Santa for the neighborhood kids and murdered at his hotel. Market demographics show Ticos now prefer living in gated/guarded condo communities. Its not just for the swimming pool. Next up, delicious jacote recipes embellished with ants.
  12. Hola Terry: I do not know what a 'PM' is, but whatever it is, I don't have it. Or maybe I do and its buried under some electrons somewhere with my name in quarks. Feel free to resend your wisdom to Marsrox@gmail.com Thank you for the help. Hola Gayle: It was around 1994, when I first needed an email address (for aol.com dial-up). I was dealing, researching and writing about meteorites, specializing in those from Mars. I needed something remarkable enough I could develop as a 'brand'. MARSROX hit me in the noggin. Little did I know that this interest would lead me on a journalistic voyage interviewing the world's museum curators for a NZ science journal, while honored to preview the cabinets of Europe's priceless historic collections. In the Paris NHM i viewed an electron 'scope projection of a fragment of Antarctic Mars meteorite ALH84001 and observed the carbonates and alleged fossil cell fragments it was said to contain. All while discussing the evidence for life on Mars with the very researchers claiming this in 1994. I have certain of my original research on NASA websites. I've organized and led two month-long Bolivian govt-sponsored expeditions around the Altiplano (and you think dealing with Migracion is difficult?) to recover that country's first authenticated meteorite, which my team did in 2001. Of course, the best part has been the worldwide friendships I now have. If this subject interests you, check out my book "The Art of Collecting Meteorites" on Amazon. It all started as a hobby... And of course I would be remiss not to celebrate being part of this great community. Thanks to all.
  13. This regards dealing with the aftermath of dying in Costa Rica while owning your 'dream house', or any other real estate and tangible property, all unencumbered by liens. I realize that I should have an atty help me write a will. I have a home and lot worth low six figures and a used vehicle worth (today) about $20K, all in my name (no S.A.'s). There are personal effects in the house. My financial accounts in the US have beneficiaries which I believe keeps those funds segregated from being included here. I searched the arcr archives and found no threads to suggest the best type of will or what the atty will charge. I suspect that in my case a will should be the type submitted to the Registro Nacional. I have no heirs other than my 85 yr old mother and a younger brother who will be named beneficiaries for the property here. Neither has a passport, neither travels anywhere beyond where a tank of gas will take them or has any inkling of how to deal with anything more complicated than renewing their license plates - a concern. On line- for example the go-to site of Roger Peterson- the various types of wills are described. The only atty's fee for this work I could find was mentioned elsewhere to be based on a % of the assets starting at a 1% fee when almost nothing is in the estate. In my case, it seemed my fee would be 2% of $2,000 for a one-page document witnessed by four people. I'll guess the colegio de abogados probably has something listing minimum fees. Can anyone share their experience and wisdom regarding this eventuality? As part of the will, it will be mentioned that I have arranged and pre-paid cremation.
  14. FYI - Below is a link to important US Federal Tax opinion I am contributing. I am a long-time permanent resident carrying a USA passport. Most of the tax info is immaterial to non-USA citizens. Disclaimer - I am not an accountant, tax preparer or attorney. If any of what I describe interests you, please due your own due diligence before acting. I always look for a second opinion, too. ***************************************************************************************** For years I have maintained accounts at Scotiabank (they clear checks in nine working days, lines are shorter) and BNCR (to pay utilities on line) and have therefore always checked the box on my 1040 asking "Do you have a foreign account". These accounts never held $10,000+ combined or individually, and with that I had fulfilled my obligation. For the first time last year I had more than $9,999.99 in the Scotiabank account for about one day before withdrawing most of it to purchase a building lot. Back story - Not quite ready for social security, I trade the stock market to generate cash which also earns interest, divis and (hopefully) capital gains, so I must file with the IRS annually. I do so without failure and use Turbotax online. This year, at the appropriate junction Turbotax mentioned I might need to do an FBAR or FATCA, etc which they can't help me with. Independently visiting IRS.gov, I was pointed in the right direction of another site that is sub-contracted by the IRS for this task. I filled out the FBAR form, finding it a bit threatening if brief. They set up an electronic signature, and I submitted the form early, as it is due June 15 (no extensions). The FBAR form is simply a disclosure statement, no money 'due' will be calculated or paid. They 'just want to know'... I am aware of a few American expats, either bonafide CR residents or 90-day visitors (a status growing more tenuous by the moment), who feel outside the reach of the IRS and have adopted the Pura Vida attitude of not filing a return. If they have a 'foreign bank account' that seems unwise, no matter how deep the poverty of their purse. As someone living outside the US border for most of my adult life and aware that I remain inside the grasp of the long arm of the law, for years I have been following US govt actions v US citizen 'secret accounts' in Switzerland and elsewhere while noting the evolving and expanding worldwide reach of the IRS and US Treasury Department. There have been past periods of 'tax amnesty' offered by the IRS that could be now described as 'traps' that led to prosecutions (search various international expat websites for case histories). I am convinced that for a peaceful life, it is best to stay legal at all times. For me it just means filling out the forms. The US Treasury is now working directly with many governments and can access some/most/all data. Already, as regarding your financial affairs you are as accountable living deep in the heart of the Osa as someone living in downtown Boise. Because errors can be made, I wanted to review what banking data from my 2014 accounts had been shared. The manager at BNCR/Puriscal told me that "accounts never holding more than $1,000 are not subject to an informational request." Maybe, maybe not. Interestingly, her statement led me to believe that ANYONE with a passport could open a non-interest bearing acct at BNCR as long as the account held less than US$1,000. Again, maybe, maybe not, but this possibility may interest 'account-less' perpetual tourists here not holding a cedula. I asked the branch manager of Scotiabank/Lindora what data had been provided to entities like SUGEV, the CR govt, the US Treasury, and he told me "all of your monthly account statements from 2014". The question itself raised eyebrows. I had read in Financerio and USA Today that this process began July, 2014. Fine. If my account statements match what they shared then 'no worries'. But if a typing or programming error had later added a few zeros to balances I can expect an informational request from the IRS. I don't like living under this shiny-new 'Sword of Damacles' which triggers the need for expensive and frustrating 'you are guilty until proven innocent' defenses. Please read the next article (it's very helpful but not perfect, as noted in the public comments) if you have any bank or Coop accounts here, own an S.A., and especially if you had $10,000 for one second in an account here (or that amount anywhere outside the USA when combining accounts). http://finance.yahoo.com/news/youve-never-seen-irs-penalties-115900194.html ******************************************************************************************************* Lastly, I would like to comment on the controversy about the continuing 'need' to put cars, homes and mobile phones (?) in separate S.A.'s. Until 2011, there were logical reasons for doing this. Corps were not taxed, just the tiny US$2 annual 'Education' tax that most allowed to simply accrue. (I learned of it after my 'expats-recommended' attorney had un-apologetically charged me $400 twice in two years to file it for me, after which I took over the task.) 'Back then', if you purchased or sold a home, the transfer of this sole asset inside an S.A. was fast and much cheaper to accomplish. But now? Transferring property now costs about the same whether held in an S.A. or 'personally'. You will pay the proper taxes based on property value, not low-ball 'invented' taxes. Doing otherwise now is reckless as the money passing hands is well-documented. There are dubious 'work-arounds' not typical to retired foreign couples (i.e. involving trading under-valued assets). If you caused someone harm 'on the street', in the past the victim couldn't 'go after' your home. But the downside was that notaries and atty's could forge docs stored at the Registro Nacional changing ownership of the S.A. (home), and when discovered, causing you a multi-year headache to recover your property, subject to an uncertain outcome. Some now advise registering a small lien against your 'personal property-home' to block shenanigans (ask your atty about this 'defense'.) And although many single foreign men believed otherwise, I personally discovered that if your live-in girlfriend 'went rogue', an S.A. did not include the right to have her evicted or otherwise neutralized. Her untimely presence could block the house sale. If you had a car inside an S.A., it was mostly to protect your other assets from being vulnerable if you caused someone harm. It was all about "Sorry, the car killed you". The 'victim' could only hope to grab that asset held in the S.A. Consider instead paying INS $125 twice a year for liability insurance. In or around 2011 the govt decided to define S.A.'s as either 'active' or inactive' and active ones were subject to a $400 annual tax subject to inflation, inactive half that amount. For most folks that meant more paperwork, more attorney fees. At the moment, PARTS of this tax law were found by Sala IV not to have been correctly published in the Gazette and have been declared unconstitutional (but one must continue to pay the tax anyway). But perhaps the two most important issues are that the protective shield of using S.A.'s to protect personal assets has been pierced, lowering their usefulness. They have become a tax burden. For US citizens, they must be reported to the IRS. This almost certainly requires help ($$$) from an accountant as the required forms I found are targeted for corporations like Procter and Gamble, not "Mi Yaris, S.A.". To ignore ownership of foreign corporations and not report them seems extremely foolish. But ask three atty's here about owning S.A.'s and while it is 'customary', truth is it's in their financial interest to proclaim their (alleged) benefits, sell you one and charge you forever to 'maintain it'. I read the this forum (and others) and wish only to help those coming here to live their dream. I'm selling nothing. I am only writing about what I perceive to understand and I spend a lot of time here trying to understand. I hope to have a modicum of credibility as in the early Nineties I was a freelancer for the Tico Times writing about tourism and the environment and along the way met and socialized with the business and government pretenders, benders, blenders and shakers. I owned a bed-and-breakfast for nine years offering concierge airport-to airport service which involved me in endless 'fun' situations. Now, after eighteen years here worth of of wives, girlfriends, employees, houses and condos owned and rented, mostly lazy and uninformed real estate agents, a serial-history of attorneys, architects, ministerios, colegios y negocios, I admit to having instigated/experienced/survived most of the 'adventures' expats tend to suffer or worry about.As a journalist I take notes daily. It's amazing what you forget :>) And after all that I'm here to tell ya, if you keep shaking the mango tree a few will fall and bop you on the head. I have a hard head. My advice to most is to stick to the low hanging fruit, it can be just as sweet. I note that many of the good people on this forum offer help and well-meaning suggestions and some of it is incomplete or incorrect. That goes for me, too, today's perceptions and opinions included. I'm sure this message will generate pro-con comment and that's how we learn. What's always the case in Costa Rica (and why we love it so) is that any two identical problems can be solved by two opposite solutions. Fascinating! Please do your own due diligence if anything I wrote about requires your action. Here's the above link again... http://finance.yahoo.com/news/youve-never-seen-irs-penalties-115900194.html Disfrutar de la lucha. Marsrox
  15. re: Ownership of Home I am a US citizen, a permanent resident of CR, single without dependents, with an above average nest age. Since I moved to CR in 1990, with a 'break' from 1996-2002, I've - - rented a condo in Los Yoses, - a house in a gated community in Ciudad Colon, - an apartment in Alajuela, and... - presently a 2/2 house in Santa Ana in a private compound. It's $750/mo with cable, internet, garbage, a landline, water and electric. It is private and I have tall trees and gardens, an atrium off of the bathroom. For nine years I owned an 800m2 home on a 6000m walled in lot w/ pool, rancho and an indoor basketball court in Tambor de Alajuela. Although that house had been remodeled at a cost of +$200K and was incredible with several indoor gardens, teak and almendro and Colombian marble in the baths, there are few cash buyers for homes 'worth' over $500K (real estate agents wanted to price it at $1.2 million) and it was sold after five years on the market at a $50,000 loss to a Tico. Several other Ticos were interested and couldn't qualify for mortgages. Although six established real estate companies advertised it (both , only one hustling (well-known to members of ARCR)) Tico showed it. And he was threatened by other agents for 'stealing their clients' creating the possibility of a multi-year law suit holding up the closing. Meanwhile, because it was in an S.A. the books had to have a new entry and an error was made (and discovered, then deleted) that could have made me liable for any future 'discoveries of damages'. When the closing was attempted with the buyers funds going directly to my bank acct in the US, Banco Nacional couldn't get on the internet to transmit the funds and my atty recommended putting them overnight in his local acct to close the deal. The next day he invented over $1,500 in alleged charges which I refused to pay and demanded he transmit the funds, which he did. Three years of rental bliss have passedReaders may recognize