The tranquil setting of Lake Atitlan, Guatemala, has lured many expats to its shores with the tantalizing combination of a low cost of living, colorful local culture and the laid-back lifestyle that so many of us crave.
J.s. Barrie
Considered by many to be the most picturesque lake in the world, the icy blue basin that is now Lake Atitlan was the product of one of the strongest volcanic eruptions in the planet’s history.
Nestled in the Guatemalan highlands, against a majestic backdrop of three volcanoes, Lake Atitlan can offer expats a taste of authentic Guatemalan life, without the tourist traps that can now be found scattered throughout Central America.
Why Lake Atitlan?
The initial reason that many expats are flocking to Lake Atitlan is simple, serenity and scenic beauty. A little slice of heaven, the 50 square mile lake, mist filled rain forests, and mountainous trails are all the convincing many expats need before deciding to make Lake Atitlan their new home.
Ideal weather
But if they come for the scenic beauty, it’s the year round spring-like climate that often seals the deal.
Positioned 15° above the equator and 1560 meters (5100 feet) above sea level, the climate in Lake Atitlan is never too hot and never too cold. And even during the rainy season, the sun shines almost every day.
Cynthia Lawson
Close to home
Although many expats are dying to get away from the bustle of North American life, it doesn’t necessarily mean that they want to leave it behind all together.
Many expats plan to fly back and forth to visit friends and family, and for Americans, Central America and Lake Atitlan in particular can be the perfect solution. You can live the small mountain town life without having to be completely cut off from the world.
It’s a two and a half hour drive from Lake Atitlan to the colonial town of Antigua and to Guatemala City where international flights arrive on a regular basis.
Low cost of living
There is nothing quite like living in a tropical paradise without having to shell out obscene amounts of money to do so.
The cost of living in Lake Atitlan, like many areas in Central America, is quite moderate and allows expats to enjoy Guatemalan life to the fullest while on a budget.
And depending on what you want to spend and the lifestyle you want to live, Lake Atitlan has plenty of options.
It’s possible to rent a small room in a simplistic indigenous house for as low as $50 a month, and at the opposite end of the spectrum, a luxury vacation rental can cost upwards of $1,500 a week.
But each Lake Atitlan village offers expats a different standard of living and because of this, prices will vary drastically. So before you make a final decision, be sure to shop around.
Villages and local culture
Lake Atitlan is surrounded by twelve indigenous villages, each one unique in its own way. When selecting a village to call home, consider what is most important to you.
If having a stunning view is a top priority, the North and Northeast side of the lake are the most popular, but if you want to be close to as many North American amenities as possible, villages to the West side like Panajachel will most likely be the place for you.
Living side by side, both the local and expat communities are open and friendly and you can expect to make many new and interesting friends as you sink into Lake Atitlan life.
The locals, including the Kakquichel Maya and the Tz’utujil, still dress in traditional colorful garb and if you choose to settle down in Lake Atitlan, you will get to experience Mayan culture on a daily basis.
Visit the market
Make weekly trips to the colorful Solola market near the village of Panajachel for an authentic taste of Mayan culture.
Tuesday and Fridays are market days and you will be able to fill your shopping bags with all the fresh produce, fish, handmade clothing, thread, and fabric you can carry.
The Solola market is not aimed at tourists so you won’t find tourist aimed souvenirs at this market.
And on your way back from the Solola market, why not see what your fellow expats have for sale. Embracing the small town life, many expats sell things like organic chocolate, jewelry and stained glass to make a little extra income. Before you know it, you may find your home decorated with the handmade ceramics, woven crafts, and freshly cut orchids that you pick up each day.
Experience a new way of living
If you do decide to purchase or rent property in Lake Atitlan, get ready to slow down and live the small mountain town life.
In all likelihood you will spend your days enjoying the exotic wildlife, cooking meals made with fresh local ingredients, keeping active by hiking the trails, swimming or practicing yoga, and watching the sunset over the crystal lake.
Time tends to slow down in Lake Atitlan so don’t be surprised if a lot of the big city stresses you bring with you eventually start to melt away.
Luis Guillermo Pineda Rodas
But it’s not for everyone
While days filled with breathtaking scenery, perfect weather, and a low cost of living might seem too good to be true for some expats, others may find that Lake Atitlan life is not for them.
Because Lake Atitlan is in the highlands, two and a half hours from the larger Guatemalan cities, some expats feel too secluded.
If you need to be close to large city amenities and don’t necessarily crave small town living, the villages of Lake Atitlan may not be for you.
Also, Lake Atitlan has not yet been cultivated for tourists like many other spots in Central America and because of this, not all areas are easily accessible.
Much of the lake’s shoreline can only be reached by boat and residents have to rely on the winding footpaths and undeveloped roads to move through the hills.
Trouble in paradise
For decades Lake Atitlan has been renowned for its stunning beauty, but unfortunately in recent years it has been facing some environmental issues that have resulted in many expats moving on to look elsewhere.
In 2009, the clear waters of the lake became brown and murky as a result of an abundance of cyanobacteria that was feeding on the high levels of phosphorous found in the water.
A problem fifty years in the making, the cyanobacteria began to multiply when the Guatemalan government brought black bass into the lake and unknowingly tampered with the ecosystem. The bass ate the organisms that ate the bacteria and the bacteria inevitably increased.
Realizing that something needed to be done in order to keep expats and tourists from abandoning the lake, the government began to work on a $350 million dollar plan to clean up the lake.
Then in 2010, Lake Atitlan experienced a record amount of rain that raised the water level by three meters in a matter of days. Over the next few years, Lake Atitlan raised by an astounding seventeen meters and sadly many home and farms were flooded as a result.
Fortunately today, in 2013, the cyanobacteria have receded and Lake Atitlan is blue once more. And while the water levels are continuing to rise (although at a slower pace), the beauty and serenity of Lake Atitlan continues to attract expats.
Experience Lake Atitlan
So make a trip down to Lake Atitlan and experience it for yourself. Rent before you buy and hop around between the villages to get a good sense of what each has to offer you.
Stroll the mountain paths, visit the local markets, stretch out in a hammock and watch the sunset out over the smooth body of water as you determine if Lake Atitlan life is the life for you.
The Belize 3 Count, where we bring you 3 Belize travel stories that you shouldn’t miss.
Viva Team
1. Travel Channel’s Ultimate Guide to Belize
Belize is gaining attention as a prime travel destination in Central America and has caught the attention of the Travel Channel, who has put its spotlight on Belize, offering up what it describes as the ultimate travel guide to Belize.
2. Want to Learn How to Dive? Think Belize
Dreaming of getting your dive ticket? Looking for a combination of idyllic conditions and reputable dive outfits, Lonely Planet narrowed down the top spots to get certified, and Belize tops its list.
3. Belize Takes Stand to Protect Barrier Reef from Oil Drilling
Belize’s Supreme Court has declared offshore oil drilling contracts issued by the Government of Belize in 2004 and 2007 null and void, halting the government’s immediate effort to allow offshore oil drilling in the Meso American Reef, the world’s second largest barrier reef.
Sam Shall
Expats head down to Central America for the scenic beauty, the year-round spring-like weather and the low cost of living that makes these countries a prime retirement spot.
But now something new is drawing them in, the promise of world class health care at extremely affordable rates. And with such a short commute from Central America to the U.S., what could be better for North American expats?
For many people, choosing to travel overseas to receive medical treatment is basically a no-brainer (especially after the recession) and medical tourism is experiencing a new wave of popularity.
But does quality of Medical Treatment have to be sacrificed?
In short, no, the treatment you receive abroad can be just as good as the treatment you would have received back home and in fact, many expats claim that the treatment they received abroad was superior, with lower costs and shorter waits.
Recognizing the opportunity and getting on board with medical tourism, many of America’s top health care branches are expanding out to include countries that are known to be popular retirement spots and well-known insurers like Blue Cross are putting their own medical tourism programs into action.
So where in Central America can expats find the best health care?
1) Ecuador
First on the list is Ecuador and Cuenca in particular.
According to former U.S. hospital administrator Alex McClellan, Cuenca, Ecuador, may just be the newest medical tourism hot spot. And having worked in the medical tourism industry for years, in countries like Mexico, India, and China, McClellan knows a thing or two about the industry.
In Cuenca, expats can expect to pay around 7-10% of what they would have paid for medical procedures back home, without having to sacrifice quality.
A heart bypass that would cost $130,000 in the U.S., will cost closer to $10,000 in Cuenca and a hip replacement priced at anywhere from $43,000 to $51,000, only $8,000.
With price differences like that, it’s no wonder retirees are looking to Ecuador for the perfect spot to settle down.
2) Mexico
Next up is Mexico. Originally a popular spot for medical tourists due to its close proximity to the United States, Mexico now boasts many great medical facilities like Angeles Health.
The largest private hospital network in the country, Angeles Health has over 23 hospitals, 2,000 beds and 200 operating rooms, all staffed by 11,000 trained health care professionals.
Because of this, Angeles Health has become a sought out spot for medical tourists and the U.S.-based Angeles Health subsidiary is constantly setting up treatments for North American medical tourists.
3) Costa Rica
Already one of the most popular expat destinations in Central America, the high standard of health care that can be accessed in Costa Rica is just icing on the cake for many expats.
In Costa Rica, expats can receive the medical attention they require, in one of the many private accredited hospitals and again, the prices are much, much lower than back in the states; 50-70% lower in fact and the wait time for treatment or surgery is virtually non-existent, something that definitely cannot be said about the U.S.
While cosmetic and dental procedures were the most common medical tourist lures in the past, today many other surgeries and medical treatments are being performed, bringing in even more expats and medical tourists.
4) Panama
Each year, Panama is drawing in more expats with its beaches, weather and excellent business climate, but now, foreigners are coming for the health care system as well.
Many world class health care facilities can be found across Panama, each staffed with medical professionals trained to use the latest technology.
- Clinica Hospital San Fernando: is Panama’s first private hospital and is known for its excellent inpatient pharmacy.
- Centro Medico Paitilla (affiliated with Cleveland Clinic): can be found in the center of Panama City and is a great choice for tertiary care.
- Hospital Punta Pacifica: is a John Hopkins-affiliated hospital and offers exceptional treatment for minimally invasive cardiac surgery, general surgery, neuro-surgery, and urology procedures.
When expats leave North America behind in search of the perfect retirement spot, their Medicare and private health insurance can’t be brought with them.
Fortunately the boom of medical tourism that is rushing through Central America at an incredible rate is making it possible for expats to get quality health care without having to fly back home.
If you are thinking about moving down to Central America, to live out your retirement years in tropical bliss, consider Ecuador, Mexico, Costa Rica, or Panama.
These countries can give you the best of both worlds, the paradise you crave, coupled with the first world medical facilities you need to make you feel safe and comfortable.
Sitting on the northwest coast of Latin America, Ecuador is a gem of a country that has a lot to offer for expats and tourists alike. The country sits right on the equator, which means that the Ecuador climate benefits from a glorious twelve hours of daily sunshine all year round.
Ecuador has a large coastal area, which means that you can expect to see a plethora of stunning beaches and clear waters. The country is also home to two chains of the Andes Mountains and a large area of rainforest, which adds a whole extra dimension to the country’s scenery.
If the sunshine and the scenery aren’t enough to tempt you, what about the cost of living? Ecuador has been named as one of the cheapest countries in the world to live in. If you are thinking about retiring to this part of Latin America, this is brilliant news. It’s estimated that a couple can live very comfortably in Ecuador for less than $2,000 per month.
Because the equator runs right through Ecuador, some of the country is in the southern hemisphere, while some is in the northern. This, along with the different terrains in the country, means that those that are living in one part of the country will have a very different weather experience than those that are living in another.
If you’re deciding which part of Ecuador to visit, either short- or long-term, you’d be wise to make climate part of your decision process. The Ecuador climate is made up of a number of distinct micro climates that separate into four main zones:
- La Costa – Coastal Lowlands
- La Sierra – Andean Mountains
- El Oriente – Amazon Region
- Galapagos Islands
Which of these four zones you choose to visit will have a big impact on what your Ecuadorian trip will look like; as well as how you’ll cope with the weather!
La Costa (Coastal Lowlands)
The area along the coast of Ecuador is referred to as La Costa, or the coastal lowlands. The coast borders onto the Pacific Ocean, and is very beautiful. A particularly great thing about Ecuador’s coastal region is its variety.
If you are looking for beach towns with great night life and varied activities, you have plenty to choose from. Equally, if you’d rather visit a quiet area with unspoilt beaches, Ecuador can offer that too.
It’s in this coastal region of Ecuador that the country’s biggest city is based. Guayaquil is a sea port with a population of around 2.35 million people, which makes it the most populated area in the country. Guayquil is a popular area with tourists, as the heat and the proximity to the coast give it a relaxed, almost Caribbean feel. The city has undergone a great deal of development in recent years, and it now boasts some new parks and museums.
As far as the weather goes, things can get a little hot and humid in the coastal area of Ecuador! Here, the weather is about what you probably expect from the Ecuador climate: truly tropical with temperatures usually between 80 and 90 degrees Fahrenheit. There is a rainy season in this region, which occurs between December and April. During this time, you should expect torrential downpours to disrupt your day!
La Sierra (Andean Mountains)
La Sierra, or the highlands of Ecuador, are situated in the centre of the country. It’s here that you’ll find the two chains of parallel Andes mountains. There are some famous sites to see here, including Chimborazo, which is the highest mountain in the region and an extinct volcano, and Cotopaxi, which has the honor of being the second highest active volcano in the world.
This region of Ecuador has a much cooler climate than other parts of the country. This is due to the altitude of the mountains. You may be interested to know that the snowline in the Ecuadorian mountains is at about 5,000m, which is lower than the snowline in nearby Bolivia and Peru. In other words, if you’re planning a mountain climbing trip: you’ll need to pack some serious cold weather gear!
Ecuador’s capital city of Quito sits in this region, at 9,350 feet above sea level! In fact, Quito is the highest capital city in the world to house the administrative, judicial and legislative functions of its country. The historic center of the city is extremely well-preserved, and many tourists make the trek up to Quito to see it every year. Another draw of the area is a museum and monument that mark the location of the equator, which is known locally as la mitad del mundo, or “the middle of the world.”
If you choose to visit La Sierra, you’ll enjoy warm days and chillier nights. Expect the daily temperature to be around 75 degrees fahrenheit, and the nightly temperature to be around 50. There is little variation in temperature all year round, though there is a rainy season and a non-rainy season. April is the wettest month here, while the dry season is from June to September.
El Oriente (Amazon Region)
Beyond the Andes mountain ranges sits El Oriente, the Amazon region. This lowland rainforest is tropical, and very low lying. This area is made up mainly of wilderness, and much of the area is virtually unexplored. El Oriente is estimated to account for almost half of Ecuador’s land mass, but only around 5% of the country’s population live here.
Despite this, tourism has risen dramatically in this region over recent years. The many rivers in the region are perfect for kayaking and rafting, and as such the area tends to attract some of the more adventurous of Ecuador’s visitors!
The wildlife in El Oriente is another draw for tourists. The variety of birds that live in this region is incredible, and there are many tours and trips that will help you get a glance at them.
This area has the sort of climate you would expect for an equatorial region. It is hot and humid with steady rainfall throughout the year. In fact, it rains during most months here, though it is usually a bit drier in August, December, January, February and March. Just like in the coastal regions, temperatures in this part of Ecuador are normally expected to be between 80 and 90 degrees Fahrenheit.
Galapagos Islands
When you hear about the Galapagos Islands, you probably think about their connection to Charles Darwin. All those years ago, Darwin chose to do so much of his research on the islands because of the large variety of unique species that make their home on the island. Today, the island is still home to that impressive variety of species, and the island is visited by a large number of people every year who want to experience it for themselves.
If you’re planning a trip to the Galapagos Islands, the climate you find there might surprise you. The group of islands sit almost right on the equator, and as such we expect it to be a very hot and humid place. However, this isn’t the case! The cool waters of the Pacific Ocean stop the island from getting too hot, and the climate here is actually very pleasant.
The climate in this part of Ecuador is made up of low rainfall and almost no extremes. The average yearly temperature ranges between 66 and 90 degrees Fahrenheit.
Which climate is right for you?
With four very different micro climates within Ecuador, it can be difficult to decide which one is right for you. Whether you’re deciding which part of Ecuador to visit for a holiday, or whether you’re thinking about settling here for a longer period of time: it’s really important to bear these climates in mind.
However long you plan to stay in Ecuador, climate will have a big impact on your daily life here. It’s important to research this fully before you commit to a region. You may love the sound of the tropical weather in the coastal and rainforest regions of the country, or the spring-like climate of the highlands might be more your thing.
Whichever area you decide is right for you, you can be sure you will have a great time. Ecuador is a country with people and cultures as diverse as its weather, and there are many experiences and adventures to be had there.
And if you get tired of the climate wherever you are? Don’t worry. There’s an old Ecuadorian adage that it’s possible to experience all four seasons in the country in the space of a day: so you won’t be stuck with it for long!
Knights Bridge
Expat and real estate developer Park Wilson talks about the best Panama visa and residency options and why they’re the main ones he’d recommend to someone wanting to relocate to Panama.
Park: I’ve been an expat in Panama for about 6 years now, and one of the questions I get asked a lot is which visa is the best for other expats to pursue. Obviously, this can vary from one individual to the next, based on their specific needs. But, from my own experience and from talking to tons of other expats who have gone through the process, I could easily narrow it down to two that I think make the most sense and the non-option that has made the most sense for me.
The Pensionado Visa. And the one for Nationals of Specific Countries (NSC).
They both have their pros and cons, but in my opinion these two have the best benefits and require the least amount of effort. Here’s a little more information, including the pros and cons of each.
Pensionado Visa
The Pensionado Visa is an option designed for pensioners of all ages and comes complete with a neat little bundle of discounts and advantages for its recipients. You’ll have to jump through a few extra hoops to qualify, but the end result can really be worth it. Here’s the skinny on this visa.
Qualifications
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Monthly income of $1,000 for life from a guaranteed source such as a pension or annuity
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Or income of $750 per month and a $100,000 minimum investment in Panamanian real estate
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An additional $250 monthly income for each dependent child
Benefits
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50% off on recreation and entertainment such as movies, theaters, sports, etc.
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50% off hotels Monday through Thursday (30% off on weekends)
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50% off passports
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30% off public transportation like buses, trains, and boats
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25% off airfare
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25% off restaurants (15% off fast food)
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25% off electrical, telephone, and water service
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20% off doctors and specialists
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20% off prosthetics and other personal assistance devices
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15% off hospitals and private clinics
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15% off dental and optometry services
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10% off prescription medications
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tax-free importation of household goods, up to $10,000
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tax-free importation of a vehicle, or tax-free purchase of a local vehicle, every 2 years
The Pensionado visa also allows expats to obtain a cedula, Panama’s national identification card. It also makes them eligible for permanent residency, but not citizenship.
Some Drawbacks
While most would say it’s worth it, the Pensionado visa can be a lot of trouble to obtain. And not everyone gets it. The process takes about 6 months and requires a hefty amount of paperwork and may require you to continue to prove solvency.
Another problem is that the Pensionado visa restricts you from having a job. You can own a business that you operate, but otherwise Panama historically frowns on foreigners coming in and taking jobs away from Panamanians. So, if you don’t want the hassle or if you plan to seek outside employment, the Pensionado visa may not be the one for you.
No worries. You’ll get to enjoy most of the same discounts anyway once you reach retirement age.
Nationals of Specific Countries Visa
The other visa that I would highly recommend is one that was recently made possible in order to attract much-needed skilled labor to accommodate Panama’s growing economy. It’s quick, painless, and fairly easy to qualify. And it has the added benefit of allowing you to hold a job or start a business. It’s required in fact. Here are the qualifications for the visa offered to nationals of specific countries (NSC):
Qualifications
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$5,000 in a Panamanian bank (plus an additional $2,000 for each dependent)
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One of the following:
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evidence of investment in Panamanian real estate
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proof of ownership in a Panamanian business or corporation
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or a letter and contract of employment from a Panamanian company
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Oh, and one more thing. You have to be coming from one of these 47 countries “that maintain friendly, professional, economic, and investment relationships with the Republic of Panama”:
Andorra, Argentina, Australia, Austria, Brazil, Belgium, Canada, Chile, Croatia, Cyprus, Czech Republic, Denmark, Estonia, France, Finland, Germany, Greece, Hong Kong, Hungary, Ireland, Israel, Japan, Latvia, Liechtenstein, Lithuania, Luxembourg, Norway, Malta, Monaco, Montenegro, Netherlands, New Zealand, Poland, Portugal, San Marino, Serbia, Singapore, Slovakia, South Africa, South Korea, Spain, Switzerland, Sweden, Taiwan, United Kingdom, United States, or Uruguay.
Also eligible are applicants’ dependent spouses, children under 18 (or between 18 and 25 if they’re students), dependent parents, and family members with disabilities.
Benefits
The NSC visa doesn’t have any discounts or other monetary perks like the Pensionado. Its main attractive feature is that it gives you the freedom to work, and requires a very minimal investment.
Another perk is that, because the need for workers is great, Panama’s current administration is really cranking these visas out fast. And, it’s immediate permanent residency. No renewals. No waiting. Recipients can also apply for citizenship after 5 years, something that isn’t possible with a lot of visas.
That’s why a lot of folks are calling this one the “fast track” visa. It’s great for young entrepreneurs who might not otherwise be able to afford to make such a move.
Some Drawbacks
I really can’t think of a negative thing to say about this visa. Other than the fact that it isn’t right for someone who doesn’t have the $5,000 investment or doesn’t want to have to work. Other than that, it’s a great opportunity for ambitious would-be expats.
The Non-Visa Option
Another option, or you could call it a non-option, is not to apply for any visa at all. This is actually what I’ve been doing, and it has worked out quite well. You see, U.S. citizens are automatically given a 6-month visa upon entering Panama. And there’s no limit to the number of times you can be granted this visa.
So, because I live so close to Costa Rica, it’s really no trouble at all for me to hop over the border, stay for a few days, and then head back to Panama where I get another 6-month visa. This option is fairly common. I know a lot of people who do it.
Bottom Line
If you have the guaranteed income and are ready to enjoy a retirement lifestyle, go with the Pensionado visa. The benefits are worth it. If you have less of an initial investment and want to build a business or career in a place that better rewards your efforts, the specific countries visa is your ticket.
Then again, if you don’t mind some occasional travel, then don’t get a visa at all. There are plenty of options, or non-options, available. Find the one that’s right for you.
Sometimes the real estate market in countries like Panama appears to be flat out insane.
Prices don’t make sense. Some places that hardly have any infrastructure have expensive land. How in the world do you move forward with any rational decision in a market like that?
These are the questions that led us to come up with our work on the stages of land development in Central America. If you don’t yet understand this concept, you are playing with fire when evaluating whether or not you are getting a “good deal.”
Good, now that you understand the concept of Market stages, how do you apply it to Panama?
Start by using this map as a starting point to learn the stages of the different areas in Panama.
Is it an exact model of the country? No. Is it accurate enough to help you make smarter decisions. Absolutely.
P.S. Here is a bigger version of the map.
Click for Larger Version
If you’re considering buying property in Latin America, it’s easy to see why Panama would be at the top of your list. With affordable real estate, loads of investment incentives, and favorable tax laws, it’s a great place to live and invest.
But, while narrowing your search down to Panama is easy, what comes next is much harder. With such variation among its various cities, the task of deciding EXACTLY where to buy property can be daunting, especially as an outsider.
Use this map to learn the names of the areas where expats live in Panama and narrow your search.
Click for Larger Version
Magellan Missed Out on the True Peaceful Sea
History tells us when Magellan began his search across the Atlantic Ocean for a trade route to the Spice Islands by going around South America, he became impressed with the large, peaceful body of water he encountered on the other side, naming it the Pacific. With Portuguese Brazil his first landing point, Magellan didn’t really know the Riviera Maya Mexico on the Caribbean.
The impression you receive when gazing at the Caribbean for the first time is that this incredible sea is like blue glass. The warm waves barely nibble at the shore making it seem more like an unbounded lake than an ocean body.
The Caribbean’s Natural Shelter
The Caribbean owes its placid nature to the Great Mesoamerican Reef, which shelters the mainland coasts from most storms. This reef system begins at the tip of the Yucatan Peninsula, and extends down to the Bay Islands of Honduras. The Great Mesoamerican Reef is the home to more than 65 species of stony coral, as well as over 500 species of fish and 350 species of mollusk. The vigorous bio-diversity includes the world’s largest group of manatees, as well as a number of endangered or protected species.
About the Riviera Maya Mexico
Originally called the Cancun-Tulum corridor, the Riviera Maya Mexico snuggles along the coastline of Quintana Roo, in the Yucatan Peninsula, where it basks in the uninterrupted miles of glittering white sand beaches, an amazing bio-diversity, and exposure to an ancient, technically advanced civilization.
The Riviera Maya Mexico has something for everyone. It is a favorite area for scuba diving, jet skiing, and snorkeling. For the adventurer, there are more serious pursuits.
Natural Wonders of Aktun Chen
Deep in the rain forest of the Riviera Maya Mexico, close to Tulum, is the incredible natural park, “Aktun Chen”. The Mayan name means cave with an underground river inside. There are three cenote caves at the park, with million year old stalagmites and stalactites and crystal clear water pools. For wildlife lovers, there are spider monkeys, white tail deer, wild boars, iguanas and flocks of brightly colored birds.
Cenotes, which are naturally forming sink holes, sometimes containing water, sometimes not, are found throughout the Riviera Maya Mexico. The Yucatan Peninsula is flat; so flat, it sometimes appears the only separation between land and water is the color and the towering palm trees. This creates an absence in surface rivers. They sink underground, revealing their presence only in the swirling holes dotting the landscape. Cavers have discovered a thrilling adventure in descending into the dry cenotes, that usually contain a sparkling pool of water at the bottom, delicious for swimming and for examining further underground pieces of paradise in the tunnels cut by the rivers.
Archeological Flavor
While sun-bathing on the beach is delicious, the biggest tourist attraction in the Riviera Maya Mexico is the Mayan ruins. Its ancient architecture rivals the best in Mediterranean history, stunning the viewer with its mastery of building and design, its astonishing understanding of hydraulics, its exquisite art and the massiveness of its enterprise.
Although a huge number of the Mayan ruins are still covered with growth, making it difficult to comprehend the full system of canals, roads, observatories, business and social establishments, an appreciation of their elaborate civilization can be found at Chichen Itza.
The Temple of the Jaguar
Located close to Merida, but within a day’s drive of Cancun, Chichen Itza is one of the most popular tourist destinations. The excavation site measures a mile from west to east, and approximately a mile and a half from north to south, revealing a number of buildings, some pyramids, temples, and an observatory.
Reaching the flattened summit of The Castle, a pyramid 75 feet tall, is a labor of love. At the top is a temple. In the middle of the temple is a jaguar, painted red and gleaming with inlaid jade and turquoise. Perhaps it’s just the cool shade from the sun, but you feel suddenly transformed to another dimension. The little jaguar, staring brightly, seems real, and his quizzical look seems to ask why you entered his domain.
The Highly Advanced City of Coba
The tallest pyramid in Riviera Maya Mexico resides in Coba. Reaching over 125 feet in height, a hike to the top reveals dozens of structures still moldering under jungle growth and the accumulation of sand and earth brought by the winds of time.
The most remarkable aspect about the area, however, is the remnants of a road system that had once covered the entire Yucatan Peninsula. The roads were raised, ran in a straight line, and included ramps and intersections.
The Castle by the Sea
A visit to the Riviera Maya Mexico ruins really isn’t complete without dropping into Tulum. Completed in 1,200 A.D., Tulum was a busy port and trading center during the Post Classic period. The greatest appreciation lies in the beauty of the architecture. Set precisely on the coastline, with the sea rolling close to its walls, it creates both a romantic and strategic setting. The Castillo, built on the highest point of the site, is believed to have been a lighthouse or a marker for seafarers. It has a watch tower vantage point, with views in every direction.
Life at Its Fullest
The traveler to the Riviera Maya Mexico is as versatile as the many natural wonders and modern services the Yucatan Peninsula has to offer. You’ll find anthropologists and biologists rubbing shoulders with adventure seekers, naturalists, cavers and scuba divers. For the more social, there are dazzling night spots, cozy beach clubs, and broad avenues filled with shops and restaurants.
A final touch to add to the Riviera Maya Mexico experience is visiting a spa. Located throughout the region, the Mayan spa has become a favorite destination among travelers. As much a cultural experience as a treatment, the temazcal – or house of steam – incorporates a shaman, ritual chanting and herbal remedies. The treatment may involve covering yourself with mud to help draw out the toxins. The benefits are said to include ridding toxins, cleaning the nervous system, relaxing muscles, reducing fat and stimulating the digestive and respiratory systems.
The Unforgettable Appeal
With a coastline like no other and an egg-shell sea in front of it, those features alone are enough to set up lawn chairs all over the Yucatan Peninsula. The wild bio-diversity that includes rain forest and cenotes, the open plain feeling, are the bonus features, adding dimension and versatility to the region. The ruins give silent testimony to the fact that at least two thousand years ago, a people saw the potential of this equatorial zone. They built a civilization with technologies we are only just now beginning to understand and appreciate for their precision and functional applications. Although remnants of this civilization are scattered throughout Central America, none so far have been found quite as spectacular as the giant pyramids and elaborate city hubs on the Riviera Maya Mexico.
BattenKill Canoe
Retirement used to mean that your best days were behind you. The word itself conjures up images of senior citizens gathering for breakfast every morning at the same local cafe or meeting up for their weekly game of bridge.
Retirees were those who had resigned themselves to their fixed income and holed up at home to live out the rest of their days in peace. The more well-to-do might spend a month or an entire season in Florida in a mobile home park, or maybe even a condominium. But most just counted down the days until they got put in a home and lost their last final shred of dignity.
Those days are over.
Today’s retirees are not content to waste away playing checkers and reading their AARP magazine. They’re adventuresome, fearless, and all the more vivacious because of the gusto with which they’re approaching their retirement years.
For many, retirement means something very different these days than it did even a decade ago. Those uneventful, sedentary lifestyles are being replaced with travel, exploration, and sometimes even a new start in another context.
Retirees are traveling and moving overseas more than ever before.
Travel among retirees is at an all-time high. The travel industry has recognized this demographic as a vital segment of their customer base and has begun catering to the mature traveler.
And the travel itself even looks different. Today’s retirees are less likely to spend their vacation on a crowded tour bus being shuttled from one city to the next. Many are taking a more DIY approach, planning their own adventures and steering clear of the more cookie-cutter travel experiences.
Since much of the current retired generation has traveled extensively during their working years, many are now targeting locations that are a little farther off the beaten path. If they traveled to a well-known European city years ago, they may decide to visit its lesser-traveled neighbor when they return. Multi-generational travel has also grown in popularity, as many retirees want to see the world with their children and grandchildren in tow.
In addition to their short-term travel, more Americans than ever are retiring overseas. It’s unclear just how many, but a reported 350,000 Americans receive their Social Security checks in countries outside the U.S. And in a recent study by Travel Market Report, an estimated 3.3 million baby boomers plan to retire abroad.
So what’s causing this trend among current retirees?
Maybe they’re born with it.
Americans who are currently entering retirement age are part of the “baby boom” generation, which includes those born between the years of 1946 (following the end of World War II) and 1964, when more babies were born than in any previous period in history.
While there are a number of suggestions as to why this boom occurred, many speculate that it was the result of a spirit of anticipation of future comfort and prosperity that led postwar families to want to have more children. Young couples in those days desired something better than their Depression-era parents had, and they wanted their children to have an even better life than they themselves planned to enjoy.
No doubt baby boomers came into this world with an inborn sense of optimism and an inherent drive to surpass all expectations. And this characteristic is evident in their travel and retirement decisions. Today’s retirees have a spirit that is not afraid.
Could it be a culturally-driven thirst for adventure?
In today’s world, it seems like everyone has a “bucket list.” A mental inventory, or maybe even one they’ve put down on paper, of all the things they want to do before their time is up. Add to this the fact that nearly every prime time network has a whole lineup of reality television shows set in remote destinations and featuring a slew of death-defying challenges and adventures.
There are travel magazines, travel-themed TV shows, and even entire networks tailored to those who have a desire to see the world and experience other cultures. As a result, retiring baby boomers are more aware than ever of the options that are available to satisfy their wanderlust.
Cross-country RV trips to the Grand Canyon are being replaced with 14-day cruises to Grand Cayman. And instead of weekend trips to Florida with the family, they’re heading to Peru to hike Machu Picchu with their kids and grandkids. And they’re hanging in there with the spryest of them.
Maybe it’s the calm and contentment.
As people age, studies show that their enjoyment comes less and less from the anticipation of some future event and more so from relishing the here and now. And many retirees feel like traveling to or living in another country can greatly affect their enjoyment of their current state.
For many, it means spending time outdoors and enjoying the serenity and peacefulness that nature has to offer. This may be why so many of today’s retirees choose to visit or relocate to areas with milder climates and undisturbed natural habitats.
Spending time in another location better enables retirees to avoid common stressors, like political dissatisfaction or financial worries. The absence of stress has been proven to improve health and decrease one’s risk of illness, particularly heart disease.
For this reason, many retirees are embracing the possibility of enjoying a stress-free lifestyle in those all-important latter years. Many are finding this decision to be hugely beneficial.
Or is a lack of money prompting baby boomers to retire overseas?
Still another possible reason today’s retirees may be choosing to travel and especially live overseas is the fact that they can enjoy a much lower cost of living, without sacrificing any of their quality of life.
Living in the States these days is not cheap, especially for those in retirement. The recent global financial crisis did quite a number on the pocketbooks of many American families. Many suffered severe hits to their 401k’s (an average of 18 years worth of gains). Home prices also fell 23% from 2007 to 2010.
Not everything is down, though. On the contrary, taxes have never been higher. And the average 65-year-old couple will pay $240,000 in out-of-pocket medical expenses over the rest of their lifetime, versus $160,000 a decade ago.
It’s no wonder that, in a recent Retirement Confidence Survey conducted by the Employee Benefit Research Institute, only 14% of employees were “very confident” they’d have enough money to live comfortably in retirement.
As many retirees are learning, this comfortable retirement can much more easily be found overseas. Housing costs are much lower than the U.S. average. Good health care, often as good as can be found in the U.S., can be obtained for a fraction of the cost.
Expats can often enjoy a pedestrian lifestyle, buy fresh produce from local markets, and enjoy excellent meals at local restaurants for much less than they would pay in the U.S. for the same cuisine. Add to that the abundance of inexpensive activities they can participate in, especially in more-established villages or those with a large tourist or expat presence.
And with today’s technology it’s even easier and cheaper than ever to stay connected to family back home. So, there’s one less barrier to breaking free and spending their retirement the way they’ve always dreamed.
No matter the reason, they don’t seem to be slowing down.
Whatever it is that’s prompting them, baby boomers are changing the face of retirement as we know it. The travel industry is certainly taking notice, as many of the biggest names in the industry have launched campaigns tailored towards retirees.
Interestingly, quite a few foreign countries are also jumping on the bandwagon. Between foreigner-friendly tax laws and special discounts for retirees, many nations are welcoming both tourists and expats with open arms. See for yourself some examples of what these countries are doing. A little research can help you decide if overseas retirement could be right for you.
The Nicaragua 3 Count, where we bring you 3 Nicaragua stories that you shouldn’t miss.
Photo: Bialy
1. Granada: Here’s Why Expats Are Choosing this Colonial Gem
Granada is Nicaragua’s colonial gem. Many expats are calling this city home and for many good reasons. One couple’s reasons for choosing Granada goes well beyond its famous architecture and they say moving there was an emotional feeling more than anything rational.
2. Nicaragua Fast-Tracks Huge Canal Project
Nicaragua has dreamed of building a canal for hundreds of years. Now it is pursuing a plan to give a Chinese company exclusive rights to build the largest development project in Nicaraguan history. With little information and no public debate, the canal project was made public. Nicaraguans have no idea where the funding will come from, what the proposed canal route is, how long it would take to build, what the environmental toll would be, or even how much the project will cost.
3. Nicaragua’s Beaches Among the World’s Best
Nicaragua’s beaches on Little Corn Island are now ranked among the 100 best in the world. Located nearly 44 miles off Nicaragua’s Caribbean coast, Little Corn Island is approximate one square mile and known as being “low key, undeveloped and languid”, making it a perfect destination for tourist seeking a laid-back, relaxed vacation.
If you’ve never seen a ship pass through the Panama Canal, this is your chance. Videographer Jean-Phillippe Angers filmed the ship passing through.
Enjoy!
Johny Chunga
There are many things you could say about Salinas, Ecuador. And comments from first-time visitors often fall all over the spectrum, from fabulous to formidable. And everything in between.
Indeed, to say this resort town is polarizing would be a gross understatement. It’s a place of stark contrasts, from its reception by travelers to its weather to its varying influx of tourists as the seasons change.
We’ll give you the lowdown about what there is to love and hate about this South American beach community, but first here are the facts about Salinas, Ecuador Real Estate.
Overview
Salinas is located 90 miles from Guayaquil, a bustling port city and Ecuador’s largest. The beach is divided in half by a jetty, which houses the Salinas Yacht Club. To the north is Salinas Beach, and south of the jetty lies Chipipe Beach which has a little bit more of a family atmosphere.
It’s visited mostly by Ecuadorian families who come down for the weekend. However it also draws some of Ecuador’s elite, particularly those who come to the yacht club. It’s also popular among newlyweds and could be equated to a Hawaiian honeymoon for an American couple.
The Good
First things first. There are some really great things about Salinas, Ecuador. Best of all would have to be the price tag. Salinas offers some decent amenities at a lower cost than you’ll find almost anywhere.
You can get a hotel room for $30 per night, a steak dinner for $6, and as much fish or shrimp as you can eat–prepared any way you want it–for $3 at the market. Even property prices are reasonable, as a 3-bedroom/3-bath condo (with a maid’s quarters) in one of the impressive high-rise buildings will only set you back about $130,000.
Note, you’ll probably only want to use that condo during November through January when the weather is gorgeous. Not so much the rest of the year. But we’re getting a little ahead of ourselves…
The good news is that you shouldn’t have any trouble renting your place out to some Ecuadorians who live in the surrounding areas. Many like to visit Salinas in June to September, when their kids are out of school.
Rounding out the “good” list, Salinas also offers a lot of water sports and activities. At least during the peak season, which is generally December through April. You can charter a boat for game fishing or whale watching. Adventure companies offer skydiving and parasailing. You can also try surfing or wakeboarding.
The Bad
As we mentioned, the weather in Salinas, Ecuador is really, really nice during the high season. As a result, tourists flock to it in droves. It looks like Miami in that sunbathers literally line every square inch of the beach. Well, except the part just off the promenade that’s littered with millions of painful, sharp broken seashells.
In addition to the crowdedness, or as a result of it, it’s incredibly noisy. And dirty. Cars crawl along the crowded streets, bringing in even more tourists. Street vendors line the malecon, the beachfront esplanade, hawking everything from souvenirs to shrimp on a stick.
Hosts of businesses and brands also line up to capitalize on the opportunity to market to thousands of visitors all crammed into one place. Inflatables and advertisements are everywhere, and virtually every exposed surface in town has someone’s logo plastered on it.
The Ugly
So, that’s Salinas, Ecuador in the peak season. What’s the off-season like?
Polar. Opposite.
The crowded, bustling beach is virtually empty, and the place turns into a ghost town. And all for good reason. The beautiful weather of the busy season is replaced by chilly temperatures, and the sky is overcast almost every day. This often comes as quite a shock to unsuspecting tourists, many of whom have gone so far as to describe the scene as “depressing.”
Many visitors to Salinas are also disappointed in the availability and quality of shopping and dining. This sparseness is even more exaggerated during the off-season when a lot of businesses that cater to tourists don’t operate.
There isn’t even a decent supermarket in Salinas, as the nearest one is 10 minutes away in La Libertad. This presents a bit of a problem, since safety can be a bit of a concern the farther you venture from the beachfront resort area.
During the peak season, the tourist area is patrolled by a whole battalion of police officers and private security guards. But the area farther from the coast is industrial and impoverished-looking. Again, quite the contrast from the glitz and glitter of the coast.
Then again, much of Ecuador’s coast is undeveloped. So, the amenities and infrastructure are about what can be expected for a city this size.
Salinas, Ecuador Summary
Salinas is a really great deal. But it’s only a great deal if you’re prepared to deal with overcrowded beaches, underwhelming food options, and nothing but tumbleweeds blowing down the street in the off-season.
If you’re looking for a serene, tropical paradise where you can lie undisturbed on the beach and enjoy the scenery year-round, this isn’t it.
