Cliff Miller
Being an expat in Panama affords me many luxuries I never had back in the U.S. One is the ability to distance myself from the seemingly never-ending political debates that increasingly plague the country I once called home.
It’s not that I keep my head in the proverbial sand. Far from it, actually.
I certainly try to stay abreast of what’s going on back in the States, and the world for that matter. I’m just able to do it from a different perspective now. One that doesn’t cause my blood pressure to rise every time I hear about the government making a decision that takes even more hard-won freedoms and hard-earned dollars away from its constituents.
My North American friends are facing tough times ahead.
But I read something the other day that really made me realize how bad things have gotten.
It wasn’t a news story. It was a Facebook post.
I logged on to see what was happening in the lives of friends I keep in touch with through social media, since moving to Central America several years ago. I was shocked to read my buddy’s status update which stated that the health insurance for his family of four was increasing from $450 per month to a whopping $923. He wondered what others in his same boat were doing to combat similar rate hikes.
That’s a 105% increase just since last year!
Almost as shocking as his post were the comments in the thread. Friends shared stories about how they were experiencing the same increases. Not only were their premiums rising, but deductibles had doubled. Co-pays and out-of-pocket limits were increasing.
Most of the comments had to do with abandoning insurance all together and just paying the fines.
Triple and quadruple the premiums for less coverage?
I decided to research further and found that the implementation of Obamacare will cause the underlying insurance rates for young Americans to increase by 55 to 62 percent for women and 97 to 99 percent for men.
Those numbers are even higher in some areas, such as North Carolina where rates will triple for women and quadruple for men.
Of course these rates vary based on location, as well as the age and health of the individual. Americans who are youngest and healthiest will help foot the bill for sicker individuals or those who’ve been previously denied coverage.
And these increases don’t even take into account the fact that America’s middle class will not only pay higher premiums for their own coverage, they’ll also pay higher taxes to help fund the subsidies for those in the lower income group. They’re also not always comparing apples to apples, as most calculations use the second-cheapest option of the Obamacare plans.
I didn’t realize how good I have it!
Holy cow! Maybe I am a bit behind the times, living in Panama, but I honestly had no idea just how good of a thing I have down here!
I just paid my health insurance premium for my family of six. (Yeah, we have 4 kids!) It was $1,385…for the year. That’s right. THE YEAR.
What’s more is that our plan actually covers us in the U.S. too–as long as we spend at least 180 days abroad each year. That’s not a benefit we plan on using–because the health care here is fantastic–but it’s nice to have that peace of mind in knowing that we could travel back to the States for treatment if a really serious situation arose.
I’m saving over $14k per year by living here.
So, let’s do a little comparison here.
By the administration’s own estimation (so take that with a grain of salt), the average monthly cost for health insurance in the U.S. will now be $328 per person (according to Department of Health and Human Services data). That’s a broad average across the board. Regardless of age, health, location, blah-blah-blah.
Since that estimate is very general, it’s hard to know exactly what my family would pay. But let’s assume it’s the $328 average for my wife and myself and half that ($164) for each of our 4 kids. So my family would pay $1,312 per month, or $15,744 per year for health insurance.
That means my family is saving over 90% on health care by living abroad (not to mention all the other amazing benefits that you just can’t put a price on). I don’t really think that’s apples to apples either, since research shows that U.S. health care dollars don’t necessarily get its residents the best bang for their buck.
So can you!
There has never been a better time to consider moving your family overseas. Even if it’s just for a “gap year,” a trend that’s gaining popularity among many North American families.
Ever-improving technology is making working remotely and homeschooling your children simpler than ever. And an ever-flattening globe is making the ability to speak another language and interact with other cultures almost necessary requirements for the future generation of employees.
And, since health care isn’t the only thing that costs less in Central America, you could work a whole lot less and still live better than you ever dreamed. Consider the invaluable benefits to your children and the memories you could make together as a family. In short, the cost savings isn’t the only reason to consider a move. It’s not even in my top 5.
More places you can save…
But, since health care is the topic at hand, here are a few more places in Latin America where you can score a bargain on insurance.
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Panama: I mentioned the cost for my family. But there are a lot of different plans available. A fellow expat friend of mine only pays $450 per year for her family of 4. Many doctors are U.S.-trained, and most speak English.
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Ecuador: One of the cheapest places to live in Latin America, premiums are less than $40 per person (per month) for someone in their 50’s. Much less for younger adults and children.
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Costa Rica: While it’s one of the pricier destinations in Latin America, health insurance can still be had for as little as $60 in Costa Rica. Its health care system also consistently outranks that of the U.S. when it comes to the quality of care and health of its citizens.
More reasons to give it a try…
I mentioned that the cost of living wasn’t a top priority in my family’s decision to move to Panama. So you might be wondering what was.
In actuality it was a lot of things. Namely the opportunity to have the freedom to live life on our own terms. The ability to simplify our lifestyle and shed the expectations of the North American culture. To teach our children what we believe is important, not what society dictates. To expose them to new things and people they might never have otherwise known about. And to allow them to have fun just being kids.
Was it scary at times? Absolutely. Especially in those first few months. But then again, so is logging onto Facebook these days.
There are lots of resources available for families considering moving abroad, including a guide that we compiled based on our experiences. If you’re one of the thousands of Americans currently considering becoming expats, you can find out more here.
Guy Buchmann
An influential factor for some North Americans who decide to move further south to Central America is the desire to lead a healthy lifestyle. However many residents in Central America consume high concentrations of pesticides and processed foods. Without a gym or a Whole Foods nearby it can be difficult for those moving abroad to be as healthy as they would like to be.
Here are some of the towns in Central America where expats and locals have created health meccas where organic food and healthy activities abound. People who are dedicated to healthy, sustainable living will find themselves connecting with the like-minded communities that exist in these towns.
Puerto Viejo, Costa Rica
Ana Munevar
Once the infamous party town of the South Caribbean, the gorgeous Costa Rican beach town of Puerto Viejo is making a name for itself in the health community. In addition to hiking, surfing, biking, and other physically healthy activities there are over five yoga studios which offer daily classes for those in need of some centering.
Residents enjoy healthy boxes of farm fresh organic produce twice weekly and access to incredible superfoods like noni juice, kombucha, and raw cacao at the farmers’ markets. There is also a farming cooperative in Playa Cocles in Puerto Viejo for those who want to get their hands dirty and help grow their own produce. There are also a few organic healthy cafes, even an entirely raw foods cafe. This makes it very possible to eat organic and healthy in Puerto Viejo.
The Tierra de Suenos health center in the Playa Chiquita neighborhood offers unique health opportunities for visitors and residents. The center works to heal individuals from all over the world suffering with chronic disease. There is an onsite holistic health consultant who works with community members on an as needed basis as well. Many residents in Puerto Viejo visit this center for a basic health analysis, to purchase vitamins and herbs, and for assistance with cleanses.
Lake Atitlan, Guatemala
This gorgeous lake surrounded by rainforest, mountain trails, and volcanoes is one of the top destinations for nature lovers in Guatemala. The clean mountain air and abundance of outdoor activities make it easy for residents to lead a clean, active lifestyle.
Some of the outdoor enthusiasts who fell in love with Lake Atitlan’s natural beauty decided to move here and contribute to the healthy lifestyle. Atitlan Organics is not only providing organic produce for much of the community, they also support local farmers with the intention of building a cooperative of farmers. They sell produce at the local farmers’ market and offer tours of their farm.
The La Voz organic coffee farm grows organic fair trade local coffee. Coffee lovers can enjoy some of the healthiest and best coffee in the world here and even take a tour of the farm.
The town of San Pedro de la Laguna is an expat’s health mecca with international restaurants ranging from all organic to Asian to vegetarian and vegan. They have daily yoga classes as well as retreat centers for those interested in a deeper immersion or a cleanse. The local hot springs are a great way to relax after a work week and you can dine on organic food while soaking.
Playa Gigante, Nicaragua
G. Gill
The Pacific coast of Nicaragua is an ecological paradise and most of the coast enjoys quiet serenity with no crowds and few tourists. Playa Gigante, known by travelers for its surfing, is a quiet little town that some expats looking for a laid-back lifestyle in an authentic surf and fishing town call home.
Many centers have opened that gear specifically towards health and wellness tourism, which presents the opportunity for those with plans to open a wellness-focused business or healthy restaurant. Residents can also enjoy many of the yoga classes and wellness packages offered at these centers.
Papaya Wellness has all kinds of yoga classes, pilates, and qi gong as well as Ayurvedic consultations, nutrition classes, and raw food preparation courses. Aqua Wellness Resort offers body work as well as healthy vegetarian meals.
Nosara, Costa Rica
Possibly the healthiest town in all of Central America is Playa Guiones in Nosara in Costa Rica. The town sits on a stunning white sand beach with perfect surf waves surrounded by jungle.
Costa Rica has the highest concentration of wellness businesses and eco tourism, so it’s not surprising that one of the healthiest towns resides here. Nosara first became a popular destination decades ago when the Nosara Yoga Institute opened its doors and began the yoga revolution in Costa Rica.
Today expats enjoy an incredibly healthy lifestyle. There is an abundance of physical activities like stand up paddleboarding, kick boxing, pilates, yoga, and even stand up paddleboard yoga.
Raw cafes, juice bars, and even an organic grocery store are available to keep residents from missing their former lives of shopping at Whole Foods. You can order from the community farm cooperative, frequent the farmer’s market, or stop by the organic grocer any day of the week for organic produce.
Being healthy abroad is easier than many people realize. Towns with health-focused expat communities tend to have healthy options already, but if you find the town you want to relocate to is missing something perhaps that’s your opportunity to open your own wellness business.
Robert Lesser
The capital of Costa Rica, San Jose, has been a popular destination for expats from all over the world for decades. With direct flights from its international airport to many U.S. destinations, access to plenty of stores, art museums, theaters, outdoor organic markets, and plenty of community events it has many of the conveniences of cities in the first world.
Being the capital city it also has the highest concentration of businesses, which is a big reason why many people live here. It’s not uncommon for expats to move to San Jose, Costa Rica for a business opportunity or a work transfer. One of the benefits of living in San Jose is that it is a major transportation hub for exploring the natural beauty of Costa Rica.
Here is a list of trips that are under an hour and half car ride from the capital city of San Jose that can be experienced in a day.
Limoncito Beach
Samilia
Costa Rica is world famous for its beaches, and the popular beach town of Jaco, just an hour from San Jose, brings vast amounts of tourists particularly from the United States every year. The town of Jaco has a mixed reputation and has been criticized for being overly commercial and North American.
People who are looking for the peace and tranquility of some of the less tourist-frequented beaches in Costa Rica but only have a day away from work to explore should check out nearby Limoncito beach.
Limoncito is just 15 minutes from Jaco, and less than an hour and a half from San Jose central. The landmark for this beach is a luxury hotel called Punta Leona, but day trippers can enjoy the secluded white sand tropical beaches on their own.
Avid surfers will enjoy the clean, fun, easy waves in nearby Jaco where most of the country’s surf competitions are held.
Poas Volcano
Nate Hughs
This active volcano and its surrounding national park is considered one of the most breathtaking sites in all of Costa Rica and is just an hour drive from San Jose.
The main volcano crater is a mile wide and is a dramatic site with a sulfuric pool that emits bubbles and smoke into the air and an exceptional view of the surrounding area. In the crater is a stunning blue-green lake called Botos Lake.
The park itself is dense with vegetation and wildlife. There are many species of birds including the quetzal, the hummingbird, and the black guan. Marmots, coyotes, rabbits, squirrels, snakes, frogs, and many insects can be spotted as well. The park is made of cloud forest, mountain rain forest, and of course the incredible craters.
On clear days it is possible to see both the Atlantic and Pacific coasts from the volcano.
This park can be revisited many times as there are 68 miles of trails through coffee plantations, flower fields, forest, and crater lakes. It makes a great escape from the city when you have a short amount of time.
La Paz Waterfall Gardens
Steve Stevens
On the slopes of the Poas Volcano in the Central Highlands are the La Paz Waterfall Gardens. In addition to the five incredible waterfalls, these gardens boast the largest butterfly conservatory in the entire world, a frog pond, hummingbird gardens, and more.
There are three kilometers of trail that wrap around the waterfalls for optimal viewing. At the end of the trail lies the hummingbird garden with 24 species of hummingbirds. The butterfly conservatory has butterflies flying freely and you can observe their entire life process. There is even a lake where you can fish for your own trout.
Irazu Volcano National Park
Richard May
Another active volcano close to San Jose in Cartago, about an hour drive, is the Irazu Volcano and National Park. The park covers over 5,000 acres of immaculate primary, secondary, and cloud forest.
The volcano itself has several craters, but the most famous are the largest which is 900 feet deep and emits steam and the Diego de la Haya with a mineral rich lake that transforms in color from deep green to crimson red. From the top of the volcano it is possible to enjoy views of the Atlantic and Pacific Oceans.
The park terrain is rugged yet is still filled with wildlife including armadillos, foxes, owls, woodpeckers, coati, and hummingbirds.
Deciding to move to the city of San Jose makes exploring the incredible nature of Costa Rica a breeze. These are trips that can be done in a day, but if you have an entire weekend most places can be reached in three to four hours including some of the most beautiful beaches in the world.
Matty Wack
In recent years Honduras has become a hotspot for international dive and beach lovers. The Bay Islands on the Caribbean Coast are what have brought them there and some people have even chosen to make an island their home.
Like Belize, these islands lie along the Mesoamerican Barrier Reef, the second largest in the world. This makes for some amazing scuba diving. Because Honduras has yet to become an on-the-beaten-track tourist destination, the prices here remain considerably lower than other Caribbean destinations.
Perhaps this explains why many serious divers and those simply looking to enjoy relaxed island life end up retiring or opening businesses here.
With three incredibly distinct islands, visitors and residents often find their favorite. Each island offers access to great diving, has an interesting local culture with Caribbean, Spanish, and Indian roots, and has primarily English-speaking locals due to their Caribbean ancestry. However, each island is quite unique.
We’ve broken down each island to help you determine which of the three Bay Islands you might call home.
Roatan
Viva Tropical
Roatan is the largest and most developed, populated, and tourist-frequented of the Bay Islands. In 2011 Island Magazine named it the #1 island in the world to retire on. The white sand beaches and clear Caribbean water make it the image of island paradise, while its accessibility makes it a desirable place to live.
The island consists of a long, forested ridge surrounded by white sand beaches which allows for many outdoor activities. Snorkeling, scuba diving, kayaking, and water sports can be enjoyed in the ocean. On land there are trails for hiking, horseback riding, zipline tours, and mangroves for exploration.
Roatan lies just off the shore of Honduras and a 2.5 hour plane ride away from Houston. This makes it a great island for those looking for convenience to the U.S. and the mainland for basic supplies.
If you have plans to open a tourism-based business, particularly a restaurant or hotel, Roatan is a great option because it has a steady influx of tourists. Particularly luxury hotels, spas, fine dining restaurants, and most shops will do best on Roatan which attracts more luxury-minded tourists than the other islands. Cruise ships sometimes stop in Roatan so businesses that appeal to cruise passengers will likely also do well on this island.
While the island enjoys tourism for its economy, it is still an up and coming location that is far from densely populated, allowing you to enjoy the relaxation and nature around you.
Utila
Simon Hook
Utila first became a tourist destination for backpackers and dive enthusiasts seeking the most affordable diving in the world. While it does enjoy tourism, the island is significantly less developed and populated than Roatan. The local scene is a diverse array of foreigners whether their ancestors came over a hundred years ago on a pirate ship or they moved over from the United States a few months ago.
Because of the island’s small size of under 10,000 residents it has a supportive small town feel. All of the residents know one another and share a peaceful lifestyle on this sleepy island. Utila has a bigger nightlife scene than the other islands because of its popularity with backpackers but it still has a quiet, laid-back island vibe.
Unlike Roatan, Utila is mostly mangrove covered and does not have large stretches of white sand beach. However there are small cayes nearby that you can reach with a dingy for your own private paradise island experience, a favorite day trip for many residents.
This island may not be for everyone, but those who have chosen to live here absolutely love it. It would be a great investment choice for those looking to open budget accommodations, particularly hostels, dive shops, bars, and inexpensive eateries. It’s also a great place for those simply looking to get away.
Guanaja
Denise Clarke
This small island is certainly the most difficult to access of all the bay islands, but that is likely what keeps it relatively untouched. When you arrive on Guanaja, it becomes apparent that you are somewhere off the beaten track.
Reaching Guanaja does take more effort than the other islands, which is what keeps it so pristine. You must either fly from La Ceiba on the mainland, about a thirty minute flight, or fly first to Roatan and then charter a boat from there.
The island is the most mountainous of the three and has waterfalls, creeks, hiking trails, and beautiful beaches. Most residents live on a small caye off the mainland called Bonacca which has been called the Venice of Honduras because it connects residents with its many waterways.
People who long to be in a truly undisturbed paradise will fall in love with Guanaja. It also has a local fishing community which makes it a great place for fishing enthusiasts. Because this island is considerably less tourist-frequented it has just a few restaurants and hotels. Those looking to work in tourism may be better suited to other islands, however the lack of competition on this island does present an opportunity.
The Bay Islands are some of the most beautiful and affordable islands in the entire world. Whether you’re seeking the ease, simplicity, and beauty of Roatan, the local culture and diving on Utila, or the gorgeous relaxed paradise of Guanaja there is an island for you.
Arturo Sotillo
Nationals and residents of Costa Rica seem to all share one integral thing: a deep love for the country that surrounds them. Native Costa Ricans, expats, and even travelers who have spent time in this land of monkeys, waterfalls, and surfing, speak about the area with deep admiration and pride.
Costa Rica has become one of the most popular places in the world for North American retirees and expats to relocate. What exactly is it about this beautiful country that lures people to pack their belongings and invest their lives there?
Here is our list of the top ten reasons that inspire many people to make the move to Costa Rica.
1. Stunning Nature Abounds
Costa Rica is literally covered in natural wonders. It has epic volcanoes with spewing lava that create natural hot springs you can soak in. It has tall mountains you can climb to see the Atlantic and Pacific coasts.
It has hundreds of miles of shoreline varying from black to pink to gold to white. It has dolphins and whales for you to watch on and off shore. The sea varies from enormous waves for exciting surfing to calm and still for snorkeling and diving.
The land is covered in old growth trees, swaying palms, and beautiful flowers. Rushing rivers and waterfalls flow through mangrove forests or reveal themselves deep in the jungle.
Animals take refuge in the lush landscape and the Osa Peninsula is one of the most biodiverse places in the world. Howler monkeys live in the trees in your backyard. Sloths cross the road causing traffic jams. Toucans and scarlet macaws fly over your head.
Costa Rica is easily one of the most magical and beautiful countries on Earth.
2. Great Healthcare is Affordable
Healthcare is top-of-the-line and inexpensive, which has brought a new kind of tourism to the country: medical tourism. Hospitals in the capital of San Jose offer world-class care. Procedures including dental work, surgeries, and more are available at a fraction of the cost of the U.S. and are extremely high quality.
Costa Rican citizens receive free healthcare and residents can pay a low fee to join the national healthcare program. Private healthcare plans are incredibly affordable starting at around $50 per month. Even the out-of-pocket medical costs for those with no coverage is staggeringly low compared to the U.S.
3. Comfortable Climate Year Round
While there is a distinct wet and dry season in most of the country, temperatures on both coasts average between the high 70s and low 80s year round. Even in the rainy season there is typically some sunshine every day. This comfortable weather allows you to enjoy outdoor activities and nature every day of the year.
4. Its Proximity to North America
The capital city of San Jose is an airport hub for flights to North America and has inexpensive, direct flights to major cities in the U.S. including Houston, Fort Lauderdale, Boston, and New York. These flights often cost less than national flights across country. This makes it easy to stay close to family, have visitors, and run home to stock up on certain comforts that can’t be found in Central America.
5. The Established Expat Community
Because Costa Rica has been popular among expats for years it has a well-established supportive community in most of the coastal towns as well as in San Jose. These communities have created excellent schools for children, health-focused stores, markets, restaurants and cafes, and other practices like yoga, pilates, and bodywork.
The communities are very supportive and make integration into a new country much easier. Living in a small town with like-minded people, you may even find yourself in a closer community than the one you were in back home.
6. A Healthy Lifestyle
Eating less processed foods and more local fruits and vegetables, being outside with nature every day, and using your body to achieve more tasks are all changes that take place for most people who move to Costa Rica. Many report losing weight because they become much more physically active.
The slower-paced lifestyle and immersion in nature help one to fully relax which is incredibly health beneficial. Not to mention, outside of the city there is much less pollution and toxic fumes than cities in North America.
7. The Stable Government and Economy
Costa Rica abolished its army in 1950 and has kept its spot as one of the most stable democracies in the world since then. It is the only country in Latin America to make the list.
The economy is also experiencing steady growth with greater foreign investments as well as tourism which bodes well for those looking to invest in the country.
8. Kind, Generous Local Culture
Local Costa Ricans, Ticos, are some of the most hospitable, nature-loving, peace-oriented people on earth. They love their country and are welcoming to tourists and expats who love it too. Costa Rica has a 95% literacy rate and nationals are highly educated.
Raised in an amazing ecological environment, most are quite knowledgeable on plant medicine, wildlife, and other aspects of nature that many people in North America never study.
The smaller coastal towns tend to have very integrated communities where locals, long-term tourists, and residents are friends. It’s also fairly common for families to be multicultural with one local Costa Rican parent and one foreign parent.
9. Outdoor Adventure Opportunities
With unlimited hiking trails, white water rafting, excellent swells for surfers, rivers for kayaking, and standup paddleboarding, Costa Rica is an adventure lovers dream. High adrenaline activities are very popular here including ziplining and bungee jumping. In Costa Rica, even a simple walk on your nearby beach can become an adventure.
10. The Pura Vida Lifestyle
What may truly set Costa Rica apart from the rest of Central America is its dedication to the words “pura vida”. Pura vida is more than a phrase, it is a way of life. When locals say “pura vida” it is a reminder to themselves and the rest of the world to relax, let things go, and be grateful for what you have.
Isn’t that why most people get off the grid after all?
It may not be the place for everyone, but Costa Rica is an exceptional option for anyone looking to live abroad in Latin America. These are just a few of the many reasons to move here.
Clair Taiwan
Caye Caulker in the northern cayes of Belize may be a half hour boat road from Ambergris Caye, made famous by the Madonna song La Isla Bonita, but it is worlds different. With no cars, no luxury hotels, and just a few laid-back beachfront bars, Caye Caulker is the island for expats looking for a truly laid-back Caribbean island life.
Living on this small island is not for everyone. However for those who have chosen to call it home, it’s pretty close to paradise. So what type of person would enjoy living on Caye Caulker?
Water Adventure Lovers
Muckster
Surrounded by water, there is an abundance of aquatic activities for those who love to explore the sea. Many expats have their own dock space for a sailboat, motorboat, or even a little dingy. Because the island is so small, only five miles long by one mile wide, your boat is never far away.
You can also explore the surrounding area by kayak or standup paddle board. The island is divided in two by a split, with the town on one side, and a lovely mangrove forest to explore by water on the other.
The second largest barrier reef in the world is a short sail away from the island which offers amazing dive opportunities for avid divers as well as snorkeling. If you have your own sailboat and a snorkel set you can see dolphins, manatees, and sharks not far from your own backyard.
People who love to sail will particularly enjoy living in Caye Caulker as it’s a great launch off for sailing trips to the southern cayes, the beach town of Placencia in the south, or even trips to the Bay Islands in Honduras or the islands in the Yucatan in Mexico.
Those Seeking a Laid-back Lifestyle
On the island of Caye Caulker there is little to do but sit in a hammock and relax. Those looking to truly lead a laid-back lifestyle will love the easy vibes of this Caribbean island.
A typically day usually consists of breakfast from your hammock or in the swing of a sand floored beachfront cafe and afternoons sailing or swimming in the turquoise ocean. At sunset locals gather at the Lazy Lizard bar for a drink followed by stargazing. In the evening residents prepare the fish or lobster they caught earlier that day on a bonfire on the beach or eat at one of the delicious international restaurants.
Locals here live the simple life which is a huge draw for the expats who have chosen to reside here.
Non Spanish Speakers
Muckster
English is the native language in Belize, so moving to Caye Caulker will be an easier transition for those who don’t speak English than other island destinations in Central and South America.
Basic activities like purchasing groceries, arranging boat transport, and finding a house are much simpler when done in your native language. Also, establishing deeper bonds and friendships with locals happens more organically when language is not a barrier.
Caribbean Culture Lovers
In the Caribbean sea with locals descending from Caribbean islands like Jamaica, there is a strong Caribbean culture here. Jerk chicken, coconut lobster, and other Caribbean dishes are served streetside and are an incredible addition to the international cuisine.
Bars playing reggae music open late at night which can be a fun night out for dancing. Most establishments on the island play mellow reggae music all day long which just adds to the laid-back Caribbean energy on the island. At times there is even live Caribbean music on the beach.
Those who are looking to become immersed in another culture will love how Caye Caulker has a truly Caribbean vibe worlds different from North America.
The many advantages of living on Caye Caulker are apparent, however who might not love living on this island?
Families who seek more formal education and activities for their kids may struggle with what is available on the island. Also, those who are looking to start a business may find that the small island population can affect profitability. The island is just becoming a destination for expats so certain luxuries like health clinics, organic food, and general community events are not as established as they are in other parts of Central America.
People who do not find that Caye Caulker is a good fit may look into Ambergris Caye, which is a short boat ride away and has more businesses, more steady tourism, and a larger expat community.
Yassif Garcia
From its origins as a hippie beach destination in the 1960s to its present-day reputation as a surfing hotspot, Montanita Ecuador has been luring tourists and expats to its golden shores for decades. And with some of the country’s most lively attractions and colorful characters, it’s a place that’s guaranteed to keep even the most intrepid traveler on their toes.
With a name that means “Little Hill,” Montanita is situated on the country’s Santa Elena peninsula. Just over two hours from the bustling port of Guayaquil, this multi-cultural mecca boasts one of the most beautiful beaches on Ecuador’s south coast.
It’s grown considerably over the past 50 years, but slowly. It has all the modern conveniences most tourists and expats expect, including fancy restaurants and resort hotels. However, it’s not quite as crowded as some of the country’s other beach destinations, like nearby Salinas.
But don’t be fooled. Montanita has all the ingredients for an exciting tourist destination. Or a really rowdy frat party.
Ranging from the riveting to the risque, here are a few facts about Montanita, Ecuador, that are sure to intrigue any visitor or would-be expat:
1. Montanita, Ecuador, has some of Latin America’s most challenging waves.
As it turns out, those hippies were onto something when they stumbled across this sleepy little fishing village in the 60s. They pitched their tents on the beach and took up residence (and surfing), and eventually word began to spread.
Today Montanita attracts surfers from all around the world. It boasts strong, consistent waves that can get as high as one meter (over 3 feet) during the calmer summer months. Likewise, during the late fall and winter, especially January through March, waves as large as 2 meters (6 ½ feet) have been recorded.
With its excellent waves and good tubes, Montanita presents a challenge for beginners while still remaining tricky enough for even the most advanced surfers. The surfing in Montanita has earned a spot on the international surfing circuit, as well as a place in the town’s annual Carnival celebration. An international surfing competition now holds a spot on the agenda of the February festivities.
Yassif Garcia
2. Montanita is a cultural phenomenon.
A town that started with a handful of local fishermen and a few foreign hippies has evolved into a vast cultural melting pot of people from all nations and walks of life. In addition to U.S. expats, residents of Montanita include Argentinians, Jamaicans, Russians, Australians, Canadians, Germans, and an assortment of other Europeans.
As diverse as their nationalities are the lifestyles of those who live in Montanita. As opposed to the rest of Ecuador, which remains fairly conservative, differences are celebrated–applauded even–in Montanita. Locals voice approval to same-sex couples who show public affection, something that would be frowned upon elsewhere in the country.
The city promotes the ideas of tolerance, acceptance, and maybe even a bit of rebellion. Peace signs adorn cars and t-shirts, as does the image of the famed Marxist revolutionary Che Guevara.
3. “The party don’t stop” til the wee hours of the morning.
It could be said that Montanita, Ecuador, is a partying town with a surfing problem. Its streets and shores are dotted with bars, clubs, and cabanas serving up the local brews and the local gossip. And, man, is it juicy.
For those seeking a mellower party experience, there are open-air cafes with drink specials galore. You can even relax on the beach in the evenings with the few other stragglers who haven’t wandered into the town to party hard. A centrally-located cliff serves as a great barrier to separate the buzz of downtown nightlife from the more tranquil side of the village.
On the other hand, those who want to party ’til the break of dawn will not be disappointed by what awaits in Montanita. You’ll find several dance clubs blaring techno music into the streets, and on any given night the sand usually thumps with beach parties where local DJs spin house music. Flyers around town promote all-night raves.
4. The weather in Montanita ranges from hot and humid to outright sauna.
Montanita is located on the coast of Ecuador, just one degree from the equator. It has a tropical climate and no elevation to provide relief from the heat. As weather conditions go, those in Montanita aren’t among the more bearable.
Like most tropical climates, the temperature doesn’t fluctuate much throughout the seasons. The low rarely falls below 70, and the highs are usually in the mid 80’s. That sounds nice, but when you factor in the humidity it often feels much hotter.
Montanita’s rainy season runs from December to May, and thankfully most of it falls during the evening and night hours. Regardless, though, many swimmers and surfers are willing to brave a little drizzle in order to avoid any downtime in their beach-going experience.
5. If it’s illegal in the States, it’s likely accepted in Montanita.
There are a lot of words you could use to describe Montanita. Wholesome isn’t necessarily one of them. While it isn’t exactly overt, drug use is common on Montanita’s beaches and streets and in its clubs. It’s not in your face, but at the same time you don’t have to look terribly hard to find it.
While the use of illicit drugs is technically illegal in Ecuador, it seems to be openly tolerated in Montanita. In fact, the city has earned the nickname “Little Amsterdam” for its tolerance of marijuana. Many of the vendors who peddle their wares along the beachfront actually do so as a front for a much more lucrative enterprise.
And, hey–like at any good frat party–when the alcohol gets to flowing, the inhibitions start to disappear. Montanita is no exception to this rule. At least one of its beaches is known as a place where many women sunbathe topless.
Nicolas Pena
6. Montanita is a place for adventure seekers.
While you’re more than welcome to sit back, relax, and enjoy some bird-watching, or just people-watching, Montanita is best suited for those with a thirst for adventure. In addition to its world-class surfing, it’s also a great spot for scuba diving, fishing, or even land exploration.
A small mountain to the north (called “The Point”) separates Montanita from the more peaceful beaches of neighboring Olon. A hike up to its peak offers some incredible views of the ocean and beaches. The southern end of Montanita borders Manglaralto. With a name that literally means “high mangrove,” its estuaries offer great opportunities for fishing and exploring.
The lush hills that surround Montanita can be explored on bike or horseback, as well as on foot. Many travelers hike or bike the few miles to the waterfalls at Two Sleeves and Olon. Wildlife, such as exotic birds and turtles, can also be seen at the Valdivia Aquarium and nearby Machalilla National Park.
However, if your idea of travel or retirement doesn’t involve exercise, Montanita also offers much in the way of amenities and modern conveniences. It’s home to several top-notch hotels, restaurants to suit any taste and budget, and shopping from a variety of stores and vendors.
7. With its low cost of living, you might just end up extending your trip to Montanita, Ecuador.
A lot of things to do around Montanita are really cheap, some free in fact. Like surfing or swimming. Restaurants offer meals for reasonable prices, like a nice dinner for $8 or a hamburger from a street vendor for $1.50. Bars and cabanas offer 2-for-1 tropical drinks during happy hour. Hostels can be rented for $20 per night, and even the nicer hotels are reasonably priced.
Travel to and from Guayaquil is reliable and inexpensive. And, should you decide to stay indefinitely, you can even rent a cozy two-bedroom place on the beach for as little as $600 per month. And, since Ecuador has one of the lowest costs of living in Latin America, you could expect to spend no more than $1200 each month (including rent), depending on your lifestyle.
So, maybe you’re looking for a place with a great vibe, where you can party with people from all over the globe. Or perhaps you prefer a destination where you can do some undisturbed people-watching from your lounge chair while sipping on a $2 daiquiri and soaking up some rays.
Come to Montanita, Ecuador, where you can do both.
Ryan Cozie
Costa Rica is the most popular country in Central America, and one of the most popular in the world, among North American expats. With warm sunny weather, tons of national parks, and stunning beaches with great surf, what’s not to love? However many residents and travelers have never made their way to the Caribbean coast.
The Caribbean is easily one of the most beautiful areas in all of Costa Rica, has a unique culture, tons of wildlife, gorgeous beaches, great snorkeling, world class surfing, and is less developed, less tourist frequented, and less expensive than many other parts of the country.
Read on to discover why you should consider giving Costa Rica’s Caribbean coast a chance.
Stunning Beaches
The South Caribbean has easily the most beautiful beaches in the country. In fact the beaches in the Manzanillo Wildlife Refuge are consistently listed by publications like National Geographic as among the most beautiful in the entire world. The sand ranges from powdery black to soft white to coarse golden. The ocean is much warmer than the Pacific and is a turquoise green color.
The surrounding coral reef offers excellent snorkeling and diving.
All of the beaches are jungle-backed which makes you feel like you are truly in a deserted part of the world. Imagine waking up in the morning and walking down a jungle path to a completely uninhabited undeveloped beach.
The coral reef and weather changes also give the ocean a lot of versatility. It can range from stormy with enormous waves for advanced surfers to completely flat and perfect for kayaking, snorkeling, and paddleboarding.
Who wouldn’t want to live on some of the most beautiful beaches in the world?
Caribbean Culture
A truly unique aspect of the Caribbean is its culture. Caribbean Islanders came about a hundred years ago and brought with them many traditional foods, art, music, and dance. Rice and beans are steamed in coconut milk, fresh lobster is stewed in curry, and plantains are fried Puerto Rican style. Reggae music plays on the streets from beachside bars and live Calypso music can be heard almost nightly.
The Caribbean vibes add the “don’t worry be happy” mentality to the “pura vida” philosophy that already exists in Costa Rica as a whole.
Most locals in the South Caribbean speak English which can bridge the gap for many expats who have just moved to Latin America.
Less Tourists
Costa Rica in general can get a bad rap for being overly touristy and developed. When choosing a place to relocate and live, a tourist-trodden place is unappealing for many people. Like some of the smaller, less-discovered towns on the Pacific, the Caribbean is still relatively remote, undeveloped, and is avoided by many tourists. This helps keep many of the beaches empty and relaxing for residents.
The tourists who do come tend to be eco-conscious individuals who are studying permaculture, wildlife, or yoga or adventure-seeking backpackers. These types of travelers tend to steer clear from expensive luxury hotels and restaurants which explains why the towns still have their rustic charm.
National Wildlife Parks
The South Caribbean has several wildlife reserves including the Cahuita National Park, the Manzanillo Wildlife Refuge, and the Tortuguero National Park. Cahuita is best known for its wildlife and excellent snorkeling. Manzanillo has breathtaking beaches, viewpoints, and hiking trails.
Tortuguero has stunning mangroves, rainforest, and is a popular place to watch turtles lay their eggs during laying season or watch the baby turtles make their way into the ocean. Tortuguero is much less established as an expat community compared to the towns in the South Caribbean, but exploring the national park is a great side trip.
The many animals in these national parks bring tons of wildlife to the area. It’s not uncommon on the main roads in these Caribbean towns to see sloths, monkeys, lizards, all kind of birds, and maybe even a wildcat.
Lower Cost of Living
Costa Rica is one of the more expensive countries in Central America which is difficult for some North American investors or retirees hoping to live a lower cost life abroad. The Caribbean, because it is less established among tourists and investors, tends to be much less expensive with respect to rental properties and purchasing land.
Strong Expat Community
The South Caribbean has an already established expat community which brings tons of events and support to the area. There are many expats from North America but also from all over the world; Argentina, Italy, France, and Israel just to name a few.
There is a lovely expat-run private school which ensures solid education for children. A local farming project involves the entire community in planting and creating a farm where participants will then receive farm boxes with every harvest.
There is also a weekly farmers market and an organic produce distribution program. Some expats have even begun selling their own homemade cheese, bread, and kombucha door to door to people on their email lists.
Events to involve the community like monthly organic dinners, movie nights, beach cleanups, and barbecues happen frequently.
If you are considering a move to Costa Rica, or anywhere in Central America, consider spending some time on the Caribbean Coast. Many expats have positively fallen in love with the gorgeous scenery, the lovely people, and the unique culture.