When Tulum, Mexico is mentioned, the first images are often of impressive Mayan ruins, stunning beaches, and the vibrant party scene of nearby Riviera Maya. However, the best of Tulum encompasses much more, which is why investors and other expats are flocking to this Yucatan destination.
Well known as a popular tourist destination, this small seaside town is rapidly become a growth center for those looking to find alternatives to the more populated, tourist-centric locations nearby. With property prices still quite affordable, finding options in this beach town (yes, Tulum is a beach community) may be as easy as a click of a mouse.
Megan
How To Discover The Best Of Tulum For Yourself
The Tulum area has steadily been gaining attention as an up and coming expat destination. Publications like USA Today have called it “the fastest growing town in Latin America”; similarly, the Wall Street Journal recently noted that the area has become “the hottest section of Mexico.”
Knowing where and how to look for those gems that are the best of Tulum involves being open to new experiences and adventures. Below are some pointers that can make your search more successful and enjoyable.
Learn About The Geography And Climate
Located just 45 minutes south of Playa del Carmern, Tulum sits on Mexico’s Caribbean coast and is part of what has been called, “Mexico’s Rivera.” One of the oldest towns in Mexico, Tulum itself can actually be divided into three separate districts.
Tulum Pueblo
The pueblo is the actual town and is where the greater majority of supermarkets, retail stores, the bus stations, smaller hotels, hostels and inns are located. The town reflects the more of the local atmosphere than some of the more modern and developed areas nearby. This rustic vibe may be preferable for those seeking to find a quieter, less “touristy” place to live.
Tulum Playa
Though known primarily for its archeological treasures, Tulum is very much a beach town as well. Tulum Playa is bordered by the Sian Ka’an Biosphere (an ecological reserve) and white sand beaches to the east, as well as a wetlands and mango reserve to the south.
Not surprisingly this dynamic combination of natural beauty and pristine beaches has been a key factor in the growth of Tulum Playa as a preferred location for the development of new residential properties, higher-end resorts, and spas. Boutique properties dedicated to ecology are also a growing commodity here.
Tulum Ruinas
The Mayan ruins, some of the best preserved in Mexico, are unique due to their seaside location. In addition to the main set of ruins, there are twenty-three additional sites in the the Sian Ka’an Biosphere. While there are fewer residential options here (for obvious reasons), the close proximity of these symbols of a bygone era and culture are a powerful drawing card for foreigners who want to live close to history.
Learn About The Climate In Tulum
Tulum is an up-and-coming area. One of the major reasons is the climate, which is ideal for those whose love of the beach is irresistible.
The warm, tropical temperatures of the Gulf of Mexico, a dry season that matches perfectly with winter in the US, and a large expat presence make this the prime area for anyone wanting to live by the sea.
Learn The Easiest Ways To Get There
One aspect that belongs in any list of the best of Tulum is how accessible the village is from the US. The number of regularly scheduled flights into the international airport in Cancun leaves adventurers with only a ninety minute drive to Tulum.
Whether you choose to do the driving yourself or use one of the many buses, shuttles and taxis, the transfer from airport to Tulum is uncomplicated. Local taxis or shared vans, known as collectives, can help visitors get to and from their lodging to the beach area, the pueblo proper, and the ruins.
Wikipedia
The Investment Potential Is Definitely Part Of The Best Of Tulum
Unlike nearby locations such as Cancun and Playa del Carmen, Tulum is still largely undeveloped. As such, being able to purchase lots for investment projects becomes much more affordable and can bring a higher return on cash outlay.
The Mexican Trust has made it possible for foreigners to own property within the 30 mile coastal zone. Having beach access is another value-added feature of buying in Tulum.
There are a number of projects that are in various stages of completion that could provide rental income as well as an ultimate retirement palace. Tulum 20-12, Eden Zama, and Zama Village are examples of these developments that offer modern condo living, with state-of-the-art amenities, and the desirability of the Rivera Maya location.
There are half-acre beachfront lots located on the other side of Peninsulafor as little as $79,000. There are also plenty of other opportunities in this fast moving market that be may the perfect choice for your expat investment plans.
Gianni Maestri
Become Part Of The Best Of Tulum
With all the positives that Tulum offers, there is one remaining element that should be added to the best of Tulum-YOU!! Make plans to visit this ancient Mayan location and learn, firsthand, how moving here can be a great way to build for the future, while investing in the present.
Boca Chica, Panama is the tropical island that can truly be said to be the stuff of dreams. The special combination of a secluded setting that is still less than an hour a away from the major city of David promises to be a key factor in the rapid expansion of an expat population seeking new adventures and opportunities for reinvention.
Island living is not wihtout its challenges but the rewards of having a unique lifestyle that has been the stuff of dreams far outweighs any adjustments that may be required.
While not as well known as other Pacific locations in Latin America, Boca Chica may be the best bargain of all. The growing number of available properties-from lots ready to be developed to high end condos-bear witness to the desirability of this ocean side community.
Panama Travel
Island Living In Boca Chica-A Reality Check
Island living has a lot of pluses to commend it as a lifestyle change. There are also some challenges that prospective “Robinson Crusoes” should keep in mind as part of the decision process.
Seclusion Can Be Both A Plus And A Minus
One of the most compelling features about Boca Chica is its remoteness from the rush of larger metropolitan areas such as Panama City. This can be both a positive and a negative feature.
While having a quieter, more laid back atmosphere is a benefit for many expats, the inability to easily purchase items such as computers, electronics (phones, tablets, etc), and vehicles can take some adjustment. You have to decide whether having ready access to these stores is more important than the tranquility of a secluded beach village.
Fortunately, the city of David is just a short diatance away and has plenty of shopping options that can meet most daily needs. For some speciality items, however, a trip to Panama City may be required.
The Infrastructure Is Undergoing Growing Pains
With a single road leading into Boca Chica from the Pan American Highway, it should come as no surprise that the infrastructure of the area is still in a development stage. Again, this may prove to be problematic for expats who want all the comforts of home when they first arrive.
Even in paradise, growing pains are a necessary evil when a location, like Boca Chica, is developing as rapidly as it is. The long term outlook, however is that of increased value and accessibility that make investing now a great option.
Happily, the continual increase in expats and investors is also having a positive effect on upgrading the infrastructure in Boca Chica to be able to handle the needs of an increasing population.
Increased Access And Investment Potential
With the opening of the new international airport in David, getting to and from Boca Chica becomes much easier than one might have expected even five years ago. Another plus is that, unlike other popular island destinations – for example, Roatan (which requires a 90 minute ferry ride to the mainland) – getting to nearby locations is simply a matter of a quick boat ride to the mainland to connect to other places.
This also is reflected in investment potential. Boca Chica is still largely undeveloped and not as well known as other islands in Latin America. With prices still extremely low, getting in at the start of the anticipated investment growth will cost less and, arguably, could result in much higher returns on investment.
Viva Tropical
The Real Estate Market In Boca Chica Continues To Grow
The recent attention given to the archipelago of the Gulf of Chiriqui in general, and Boca Chica in particular, has led to greater number of options for relocation and/or investment. Some of the examples of properties available in Boca Chica are listed below. The price points are still reasonable but can be expected to increase as demand increases for these beachfront locations.
Entire 11 Acre Island in Panama
If owning your own island and molding it into your own particular concept appeals to you, the island of Isla Iglesia Mayor is the answer to your search. Located just a short fifteen minute boat ride off the coast of Boca Chica mainland, this largely undeveloped island parcel is in its natural state with a wide variety of flora and fauna present.
Reminiscent of deserted tropical islands of literary farm, the potential for private or personal development is limited only by the imagination of the new owner. Priced at $1,500,000, the possibility for a strong return on the initial investment expenditure is quite good. Panama’s favorable tax structure and aggressive approach to attracting foreign dollars are further incentives to consider buying at this time.
2 Bed with Pool, Dock, Solar, Everything
This modern eco-friendly house sits on a ½ acre, ocean front lot, on Boca Chica Island. The solar powered electrical system is not only convenient but also budget friendly. Using solar power is also good for the environment and helps create a special kind of connection with the natural surroundings of the 400 acre private island where the lot is located.
This 2 bedroom 1 bath home also comes with a private dock, swimming pool and outdoor shower. With 100 feet of ocean frontage, it is difficult to imagine many homes with these benefits being offered for only $199,000.
Viva Tropical
The Total Package: Beachfront, Elegance, Amenities, Nature, and Adventure
For potential buyers looking for a high-end turn-key property with Spanish Colonial flair, oceanfront views, and top-shelf finishes throughout the house, this 4600 sq. foot home checks all the boxes. Situated on a 30,000 square foot lot, this 4 bedroom, 5 bathroom well appointed home also has a separate maid’s quarters with a separate bathroom.
Quality cabinetry, custom window treatments, a spacious upper balcony, and premium kitchen appliances (just to name a few of features) speak volumes about the quality of workmanship that when into the construction of this dwelling.
Located in Rincon Beach Estates, which is part of one of the premier gated communities in Panama, the Boca Chica Plantation and Club, residents have access to many special amenities such as an equestrian center, boat ramp and storage and even a helipad. The $799,000 asking price almost seems small when measured against all the extras that this stunning property has going for it.
The growth curve for Boca Chica is only expected to increase in the next few years. This is good time look at the properties currently on the market to find your place in the tropical sun.
Island Living Can Be A Life Changing Experience
For those who seek the adventure of moving abroad and finding paradise on a tropical island, Boca Chica is closer than you think. Deciding to become part of island life is a profound experience not to be undertaken lightly. A great way to find out if this choice is for you to go there, put your feet in the sand, and discover your connection to this tropical haven.
The quiet fishing village of San Juan del Sur, Nicaragua was little known outside of the country prior to the Gold Rush era of the middle nineteenth century. Cornelius Vanderbilt used the village as part of his transportation system to help prospectors reach the gold fields of California.
Today, over a century later, a new breed of “prospector” is once again making the trek to the shores of the Pacific coast of Nicaragua. Instead of gold, however, these new adventures come to challenge the ocean on surfboards, become one with the natural eco-system of the area, and immerse themselves in the less frantic pace of living that Nicaragua is becoming known for.
Growth has been rapid in recent years, but as a result the window of opportunity to find your own “gold mine” in this tropical haven could be closing fast.
Inga
San Juan del Sur Is Truly Special
It isn’t often that one can find a unique combination of 19th structures and world class surfing that is meshed with an eco-friendly community. This, however, is precisely what can be found in San Juan del Sur.
A Step Back In Time
The first influx of foreigners to San Juan del Sur came in the 1880s when the Central and South American Telegraph Company brought in personnel to lay submarine cables. The cobblestone streets, laid out in a classic grid pattern, contain some of the best examples of 19th Victorian architecture in Latin America. Walking those streets one is transported to an earlier time.
The Spanish colonial influence is well represented by the impressive statue of Christ of the Mercy. Overlooking the village from a nearby hill, this imposing sculpture stands 82 feet tall. When measured from its base, the total height is actually 440 feet above the Pacific Ocean, making it one of the tallest of its kind in the world.
The Iglesia San Juan Bautista is another popular location that demonstrates the beauty of colonial era religious buildings. Located in the center of the village, this iconic church serves as a reminder of the rich cultural heritage that grew out of the Spanish influence in Latin America.
The Bounty Of The Sea
San Juan del Sur has a rich tradition of fishing. Today’s adventurers can enjoy fresh caught seafood at one of the many restaurants in town. For those who are drawn by the “lure” of the sea, fishing charters are available at the small, but picturesque harbor.
Another ocean based activity that has drawn extreme sports enthusiasts from all over is surfing. Rapidly becoming known for its challenging breaks and 300+ days of offshore winds per year, San Juan del Sur has become a major surfing hotspot.
With smaller crowds than Costa Rica, wave riders have plenty of run to test their skills. The most popular beach, Playa Maderas, just a short distance from San Juan del Sur, has great waves for all surfing levels from novice to expert.
Natural Beauty And Natural Healing
There is a growing number of alternative healing retreats and yoga centers springing up in the village. A nice counterpoint to natural therapies is the nearby access to the Refugio de Vida Silvestre La Flor.
This reserve is managed by the Fundación Cocibolca and features over 30,000 female Olive Ridley turtles that come the area to nest and give birth. New pro-environmental legislation and commitment by the Nicaraguan government is dedicated to increasing protection of these special sea creatures.
JGL Songs
Now Is Definitely The Time To Consider San Juan del Sur As A Place to Invest
One of the major signs that an area is has great potential for investment is the growth of its tourist trade. The last several years have seen a steady upswing in the number of foreigners who have discovered this Pacific paradise.
In response to this increasing influx, developments and residential projects are also expanding. One great example is a 6.25 acre parcel of prime beachfront property that already has 60 permit-ready condominium units and could certainly be expanded, renovated and modified to meet the requirements of your particular vision. The inital investment price of $1,200,000 can be expected to generate a strong return on investment as the indivdual units are sold to other adventurers seeking a fresh start in Latin America.
With many attractive accommodations already on site, a beach area within a sort walking distance, an harbor access, the money making potential of the property is quite high. It is also an ideal spot to offer an eco-friendly or more rustic, back-to-basics kind of living experience.
All that is required is the vision to begin the transformation. There are many similar real estate opportunities throughout Nicaragua that are definitely worth exploring.
Getting There Is Easier Than Ever
Regularly scheduled flights into Managua’s Augusto Sandino International Airport (Central America’s fifth busiest) will help adventurers connect to local bus service to arrive in San Juan del Sur in roughly two hours. Another option that many might not be aware of is to fly into San Jose, Costa Rica, and take the new shuttle service to your Nicaraguan destination.
Paul and Holly Ragan
A Best Kept Secret About To Be Exposed
With all the buzz that San Juan del Sur is generating by word of mouth from those have visited, chosen to relocate, or invest in the area, the window to getting in on a wonderful ground floor opportunity may not stay open much longer. If exploring the possibilities for living and investment in a beach side community that hasn’t become over commercialized appeals to you, now is the time to act. If you don’t check out San Juan del Sur now, you may really regret it later on.
What’s your pick for the best place to live and invest in the Latin Tropics? And what makes that location stand head and shoulders above the rest, in your opinion?
Is it the breathtaking scenery? One could argue that’s a common denominator among a lot of places down here. What about the quality of life? Is there one place that complements your ideal lifestyle better than any other?
What about other factors? Things like cost of living, investment potential, and accessibility. Those characteristics may be important to one person, but have absolutely no bearing on another individual’s decision-making process.
Mohamed Iujaz Zuhair
We’re Listing the Top 50 Places to Live and Invest. And We Need Your Help.
So, what’s the magic formula for determining the best destination in the Latin Tropics? Or is there one? That’s what we’re trying to find out as we undertake a massive project to research, rank, and relay the Top 50 Places to Live and Invest in the Latin Tropics.
Here at VivaTropical we’re asked all the time, by would-be expats and investors, where they can find their perfect paradise in Latin America. But even among those who inquire about moving down, their priorities are often all over the board.
Some want to know where they can score a rock bottom deal on tropical real estate. Others want to find property for sale in a place that already has all of the amenities they’ve grown so accustomed to in North America.
Still more want our opinion on up-and-coming tropical destinations where they could find success starting an expat business or developing rental property. Nobody seems to be looking for the same thing.
You Know What They Say About Opinions…
Not only do our real estate inquiries run the gamut from one extreme to another, so do people’s reactions to the things we have to say about the various cities in the countries we cover.
For every article we’ve written citing the amazing atmosphere and surfing conditions in this or that beach town, there are readers who comment about a terrible experience they had there or about how miserably hot it was.
The same is true for other types of destination. A place we think is a great up-and-coming real estate opportunity may be deemed by some as being in the middle of nowhere. And the vibrant cities we describe may remind some expats of the very same exhausting hustle and bustle that prompted them to leave their North American home.
And the thing is…they’re all exactly right!
Nick H.
The Truth About the Best Place to Live in the Latin Tropics
So with so many diverse needs and opinions among would-be expats and investors, how is it possible to say which tropical destination carries the most promise and potential?
We’ll answer that in two parts.
First of all, there is absolutely no perfect place on earth that is right for everyone. It just isn’t realistic. One man’s paradise might be another’s idea of hell on earth. And just because people are flocking to a certain popular destination in droves, that doesn’t mean the priorities of one specific couple or family will necessarily align with the rest of that community.
In short, the decision of where to live, relocate your family, or do business in the Latin Tropics is incredibly subjective. Don’t believe anyone who tells you differently.
The second part of our answer to this question is that, while no place is going to be right for EVERYONE, there are a number of places that will naturally appeal to a LARGE MAJORITY of like-minded folks. Those are the places we want to include on our list.
CW Goodroe
You Probably Have an Opinion of Your Own
And, with that in mind, we’d like your help. Maybe you’re a fellow expat who considered multiple destinations in Latin America before settling on your perfect piece of real estate. Or perhaps you’ve traveled extensively in the region and already have your heart set on the place you’d like to retire when the time comes.
Better yet, maybe you’re someone who had to try out several tropical countries or cities before you finally found the one that was right for you. Whatever your situation, we could think of no better way to kick off our research on the Top 50 Places to Live and Invest in the Latin Tropics than to ask you, our readers.
Now It’s Your Turn
Sure we have some criteria of our own in mind, on which we’ll be relying heavily as we compile our list. (And we can assure you it won’t be based on a single characteristic alone, but rather a collective consideration of many factors such as quality of life, investment potential, infrastructure, and more.)
But we still want to hear from you.
Which place(s) do you think deserve a place on our list and why? We welcome your input as we begin to explore the cities of the Latin Tropics from Mexico all the way to Ecuador. So please take a minute and answer our 5 question survey below. And be sure to check back soon to see if your favorite city made our list! Create your own user feedback survey
Cuenca, Ecuador has become one of the premier retirement and expat destinations in the world. Forbes and other publications consistently rank comfortable Cuenca as one of the most desirable locations in terms of culture, a growing expat presence, and cost.
In addition to all of those accolades, one of the major pluses of this Andean city is the climate. Cuenca, Ecuador weather is ideal for those looking for the allure of a Latin American community without the extremes of heat and humidity. Owning property in Cuenca, Ecuador could be the answer to finding a place in paradise with the perfect temperate climate.
Howard Wood
Cuenca, Ecuador Weather – A Tale of Two Seasons
Like most of Latin America, Cuenca, Ecuador has two seasons – rainy and dry. The rainy season occurs from January to May, while the dry season generally runs from June through December.
During the rainy part of the year, mornings in Cuenca can be bright and sunny with afternoon rain showers. Much like spring in the U.S., the heaviest rainfall occurs during the months of March through May.
Regardless of which season, temperatures in Cuenca reflect the subtropical highland climate of most communities in Ecuador’s Andean highlands. With daytime temperatures in the mid 60s to high 70s and evening temperatures in the high 40s to low 50s, the air conditioner can certainly get a rest.
Below is a climate data chart for Cuenca that provides a good picture of what kind of weather expats can expect in this highlands city:
| Climate data for Cuenca, Ecuador | |||||||||||||
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
| Record high °C (°F) | 26.7 (80.1) | 26.1 (79) | 27.2 (81) | 24.4 (75.9) | 25.0 (77) | 25.0 (77) | 22.8 (73) | 25.6 (78.1) | 25.0 (77) | 27.2 (81) | 27.2 (81) | 27.2 (81) | 27.2 (81) |
| Average high °C (°F) | 20.6 (69.1) | 21.1 (70) | 20.6 (69.1) | 20.6 (69.1) | 19.4 (66.9) | 18.9 (66) | 18.3 (64.9) | 18.9 (66) | 20.6 (69.1) | 21.1 (70) | 21.7 (71.1) | 21.7 (71.1) | 20.3 (68.5) |
| Daily mean °C (°F) | 15.3 (59.5) | 15.8 (60.4) | 15.6 (60.1) | 15.3 (59.5) | 14.4 (57.9) | 13.6 (56.5) | 13.3 (55.9) | 13.3 (55.9) | 14.7 (58.5) | 15.3 (59.5) | 14.7 (58.5) | 15.6 (60.1) | 14.7 (58.5) |
| Average low °C (°F) | 10.0 (50) | 10.6 (51.1) | 10.6 (51.1) | 10.0 (50) | 9.4 (48.9) | 8.3 (46.9) | 8.3 (46.9) | 7.8 (46) | 8.9 (48) | 9.4 (48.9) | 7.8 (46) | 9.4 (48.9) | 9.2 (48.6) |
| Record low °C (°F) | 3.3 (37.9) | 2.8 (37) | 3.9 (39) | 1.1 (34) | 0.0 (32) | −0.6 (30.9) | −1.7 (28.9) | −1.1 (30) | 2.2 (36) | −0.6 (30.9) | −0.6 (30.9) | 1.1 (34) | −1.7 (28.9) |
| Average rainfall mm (inches) | 67 (2.64) | 85 (3.35) | 107 (4.21) | 109 (4.29) | 77 (3.03) | 68 (2.68) | 53 (2.09) | 47 (1.85) | 56 (2.2) | 73 (2.87) | 69 (2.72) | 67 (2.64) | 878 (34.57) |
| Avg. rainy days (≥ 0.1 mm) | 20 | 21 | 22 | 19 | 15 | 11 | 10 | 10 | 12 | 16 | 13 | 10 | 179 |
| Mean monthly sunshine hours | 155 | 113 | 124 | 120 | 155 | 150 | 186 | 186 | 150 | 155 | 150 | 155 | 1,799 |
| Source #1: Sistema de Clasificación Bioclimática Mundial (temperatures)[1] | |||||||||||||
| Source #2: Cuenca Climate Guide [2] | |||||||||||||
Sources: Sistema de Clasificación Bioclimática Mundial (temperatures) and Cuenca Climate Guide
A Matter of Geography
With spring-like temperatures most of the year, expats should remember that sweaters and jackets may be necessary during the evenings. Cuenca, is, after all, in the mountains and, at 8500 feet above sea level (Denver, by comparison, is 5,278 feet), cooler nighttime temperatures are to be expected.
One benefit of the higher altitude is drier air. For sinus sufferers, the mountain climate can be a welcome relief from the chronic troubles more humid conditions and higher dew points often bring.
Paul De Andrade
What to Expect on an Average Cuenca, Ecuador Weather Day
Learning what clothes are needed and how to dress comfortably is an important part of acclimating to your new Latin American home. Here is what to expect on an average day in Cuenca:
The Morning
Cool, crisp mountain air, brilliant sunlight and fathomless, deep blue skies paint a perfect portrait of a Cuenca morning. The chill of the night may be lingering, so grab a sweater or jacket before venturing out for morning coffee.
Midday
A few wispy clouds may begin to appear that may, or may not, herald the approach of rain. As the temperatures have warmed up, you can leave the outerwear at home, open your windows to let in some of the gentle breeze, and enjoy another day in your mountain paradise.
The Late Afternoon
If this is during the rainy season, expect a rain shower (Have that umbrella or windbreaker ready). Fortunately, it won’t last long and will leave freshness in the air.
Nightfall
When going out for the evening – perhaps to a concert or dinner – be sure to have a jacket or heavy sweater along. By the time you return home, the temperatures could dip into the high 40s. That makes for good sleeping weather under an Ecuadorian blanket; if you have a fireplace, a nice fire can warm both the living space and the soul.
Micheal
The Cuenca, Ecuador Weather Is Moderate in Other Ways
With lower mountain temperatures than those that expats would encounter in beach or tropical rainforest areas, the cost of electricity (specifically for air conditioning) in Cuenca is dramatically lower than in regions where air conditioning is, virtually, a necessity. This translates in to a more budget friendly environment for expats who have a fixed or limited income.
Another benefit, albeit a more intangible one, is that the comfortable climate can act as a catalyst to more outdoor activity. Walking through the historical district – designated a UNESCO World Heritage site – is even more pleasurable while enjoying the cool mountain air under the stunning azure sky.
The Best Way to Discover the Meteorological Advantages of Cuenca – Go There!
For those expats who want to find a highland retreat that combines a great cultural and community environment, a comfortable mountain climate with moderate temperatures, lower rainfall, and drier air, as well as a vibrant social and art scene, Cuenca, Ecuador is for you.
If you are among those who have wondered about how you would enjoy life in the Andean Highlands, visit Cuenca and see for yourself. The spring-like weather that Cuenca enjoys year-round makes any season a great time to visit and immerse yourself in this gem of Ecuadorian life. Come on in; the weather’s fine.
Podcast – Exploring the Last Frontier (the Ocean) with 11-Time Freedive Record Holder Hanli Prinsloo
Peter Marshall
Hanli Prinsloo is a Freediver and Ocean Conservationist who has had many incredible adventures, one breath at a time. Freediving is the practice of diving below the surface of the ocean on a single breath. Professionals can go hundreds of feet down in competitions, but freedivers also get to see things surface dwellers never even dream of experiencing. Like looking into the eye of a 60 foot sperm whale, sharks, or reaching a calm, deeply meditative place.
On this episode Josh and Hanli discuss how yoga and free diving have a lot in common, what it is like to swim with the giant animals of the sea, and why this sport could be the best hope for bringing awareness to the life in the oceans.
Hanli also takes us through a 200 foot dive and what it feels like and how you prepare to do it. Listen and hear a great example of someone following their lifelong dream and living in a way many have never considered.
Listen to the show
You can listen to the show using the player above or grab it and listen on the go via one of the following options:
- Click here to download the mp3
- Click here to subscribe via iTunes
- Click here for the RSS feed (non iTunes)
- Click here for the show archive
React to the Show
We appreciate your reaction to episodes of Viva Tropical Radio and feedback about how we’re doing. Send us your thoughts any time in an email or comment below.
Show Notes
Learn more about Hanli here.
Many expats are giving serious thought to living in Panama, as a result of all the attention that has been focused on the potential of the country. An important step in making the decision to move abroad is to actually learn about the pros and cons of life in your prospective destination from those who have already made the journey
The options for expats, investors, and retirees considering Panama as a potential location can range from the modern urban life of Panama City to mountain towns like Boquete to coastal fishing villages like Boca Chica. Regardless of your preference, doing the research about this Latin American country, rightfully known as the Hub of the Americas, is a great place to begin your quest.
descubriendoelmundo
There Is Potential for Expats Living in Panama
There are no perfect paradises in the world. Each location comes with its own unique set of positives and negatives that potential expats should consider before making a decision or committing finances. Panama is one of those destinations that has many desirable qualities for those seeking a life abroad.
Streamlined Residency
The Specific Countries Program that was enacted three years ago makes it easier for U.S., Canadian, and European passport holders to qualify for Panamanian residency in as little as six to eight months. Skilled and educated workers may also qualify for a worker’s permit under recent revisions. Naturally, time frames can vary depending on how fast the government bureaucracy can process applications.
Familiar Currency
The U.S. dollar has been used as legal tender for all transactions in Panama for quite some time. Being able to use your funds without dealing with the hassle of exchange rates and international conversion fees is a great benefit when handling daily transactions such as grocery shopping, paying bills, etc.
Easy Access
Perhaps one of the most popular features of living in Panama is the ease of getting to and from the country. Daily, regularly-scheduled flights from 15 U.S. cities are easy to find and are quite affordable. Inside of Panama the country’s domestic carrier, Air Panama, is also expanding its service to new locations, such as Pedasi. For expats who want the security of being able to return back home to visit friends and family, this convenience is an extremely attractive feature.
Quality Health Care
Health care in Panama is a pleasant surprise for most expats. Modern facilities and equipment are available. For example, the Hospital Punta Pacifica in Panama City is affiliated with the world-renowned Johns Hopkins University and offers the same quality of treatment found in any major U.S. metropolitan area, but for a much lower cost.
Being a Retiree in Panama Translates Into Savings
Retirees, known as pensionados, are entitled to many discounts on services and products throughout the country. For those living on a fixed budget, these savings can make a big difference in the quality of life.
Zhu
Adjusting to Expat Life While Living in Panama
For many expats, living in Panama requires an adjustment period. This “culture shock” can be minimized if new arrivals understand some of the potential issues of daily life in their new tropical home.
This Is the Tropics, After All
Panama is a tropical country; except in the highland areas, the areas along the coast and in Panama City are hot and humid much of the year. For many expats, adjusting to these temperatures can be a surprising challenge. While some like it hot, there are others who may feel that this climate change is too extreme for a long-term commitment.
Traffic Jams Exist in Paradise, Too
Expats who think that cities in Latin America will not have the same congested roads and traffic jams found in many major metropolitan areas of the U.S. are in for a rude awakening. Panama City’s traffic is notoriously bad and can remind residents of the traffic problems back in the States. Even on more rural roadways, rules of the road (think stop signs, red lights, no passing, etc.) are viewed more as “guidelines” than mandates.
Growth Is Challenging the Infrastructure
While Panama City has a modern and urbane environment, other areas of the country are less developed and far more rustic in nature. If having access to modern amenities is a requirement, this could limit the choices for relocation.
Language Is Still Important
Panama does have a significant number of English speaking residents – both native Panamanians and long-term expats who have lived in the country for a while. However, having at least a basic understanding of Spanish (particularly outside of Panama City) can make the expat transition much less difficult. For those who are linguistically challenged, having to learn a foreign language may be an overwhelming negative.
Panama City Is No Longer an Inexpensive Location
As Panama City has continued to grow and develop, prices for the rental or purchase of residential property have also increased. While some online sources tout the affordability of living in Panama, realizing that Panama City’s prices are not that much different from many U.S. cities is something to consider. Fortunately, there are still many properties outside of the metropolitan area that are less expensive and do have a tremendous potential for return on investment.
Adam Mizrahi
Make Living In Panama an Adventure
There are going to be other cultural and societal differences that will impact your daily life in Panama. The laid-back attitude of the country requires adjustment to such things as scheduling appointments, arranging for work to be done, or even standing in line at the store.
This slower, more casual pace, however, is also one of the most attractive features of living here. Remember that escaping the hectic pace of your U.S. lifestyle was one of the main reasons you made the decision to become an expat in the first place.
Embracing the differences, immersing yourself in Panamanian life, and appreciating the differences is the most important part of living in Panama. Take the time to visit the country and see for yourself what this Hub of the Americas is all about and, more importantly, whether Panama is right for you.
Lisa Cho
Ecuadorians love to celebrate. Regardless of the time of year, colorful displays of dancing, parades, and costumes can be found somewhere in the country.
Embracing both the pre-Columbian past and the Spanish colonial era, as well as honoring the religious significance, these festivals are just another reason that Ecuador continues to grow as a great expat destination for vacations or permanent relocation.
For expats and those considering Ecuador as a possible location to live, immersing yourself in one of these holiday festivities is an enjoyable way to experience the culture of this fascinating country firsthand. Importantly, foreigners are as welcome as native Ecuadorians to participate in these events and enjoy all that they offer.
We asked Lisa Cho, a California native who writes the Cuenca Culture Shock blog, to share with us about her firsthand experiences with these celebrations as an expat living in Ecuador. Here’s what she had to say:
Lisa Cho
Guest Post: Ecuador’s Must-See Festivals
Thinking of living in Ecuador? Get ready to immerse yourself in an entirely new culture, a different language, and a different way of…partying? Yes! Ecuadorians certainly know how to celebrate and there are several festivals throughout the year.
Depending on the holiday, there might be parades, street parties, folkloric dancing, and a variety of special foods. Expats who live in Ecuador can keep celebrating Christmas and Thanksgiving while learning a rich variety of new traditions. These are my three favorites.
November Festivals of Cuenca
Each major city has its own festival that celebrates its independence. In Cuenca, Ecuador, these festivities last an entire week and there are activities every day. Along the river, there are hundreds of arts and crafts stalls from all over Ecuador and Latin America. The city government helps bring in the best and most unique selection of vendors, so you can find necklaces made of seeds from remote Amazon tribes, or hand-knit alpaca scarves from Chile.
Meanwhile, the downtown area hosts different smaller cultural events, all for free. There are guitar playing workshops, art receptions, documentary screenings, and live music events. Toward the end of the festival, the streets explode with life as folkloric dancers, schools, and other local organizations parade down the streets, and at night, the town stays awake all night partying in the street to the boisterous sounds of local bands.
Corpus Christi
This is a religious celebration that celebrates the body and blood of Christ. In Ecuador it also happens to be a feast where people gorge themselves on hundreds of kinds of sweets. In Cuenca, stalls cover the main plaza and sprawl out into side streets. There are honey-rolled coconut balls, sweet cheese-filled “quesadillas”, alfajores filled with dulce de leche, chocolate bonbons, and more.
As a religious festival, there aren’t wild parties at night but you will see amazing parades during the day. They also light a wooden castle which creates a whirlwind of spinning wheels, exploding colors, and fireworks. It’s all too easy to gain 10 pounds during Corpus Christi, but there’s always a brisk walk by the river and freshly-squeezed carrot juice to help you burn it off.
Lisa Cho
Carnaval
Carnaval is celebrated completely differently in Ecuador. Rather than ongoing wild parties, Ecuadorians engage in ongoing public water fights. You may be walking down the street and be hit with water guns, water balloons, or even a bucket! Carnaval is a love-it-or-hate-it affair in Ecuador. Some cities have even banned the public throwing of water balloons, pushing the water-soaking parties into the backyards of families. Other cities, however, embrace it.
My favorite place to celebrate is Gualaceo, a small town 30 minutes from Cuenca where people gather for an enormous all-day water fight. Families gather along the riverside alternating between grilling food, especially “cuy” or roasted guinea pig, and going completely wild. The town’s river supplies an endless supply of ammunition for water guns and buckets, and the sunny weather makes getting soaked part of the fun. The “get-the-gringo!” attitude is very common among the local kids, so don’t expect to sit on the sidelines!
One of the most important parts of expat banking and finances is being able to access your funds, whether in local currency or U.S. dollars, easily and inexpensively. Being able to navigate the local banking system, using the ATMs, and understanding fees and potential issues that may arise while using debit and/or credit cards can reduce stress and save money and time.
Learning the ins and outs of the banking system in your chosen tropical location is as important as discovering other nuances of expat living. Making a checklist that includes information about local banks is a great way to prepare for some of the challenges that may lie ahead.
B Rosen
Understanding the Differences in Expat Banking and Finances
For recent expats (and even those who have been living abroad for a while) dealing with foreign banking systems and how they interact with U.S. banks can still present a variety of challenges. Below are some key points to keep in mind:
Different Banks Have Different Rules
Unlike the U.S., banks throughout Latin America often have different requirements, even within the same country, for foreigners seeking to use their services. Some institutions will only do transactions in local currency; others may not have online bill paying capabilities for such things as utilities, etc. Even business hours may vary; the traditional “banker’s hours” certainly are different in paradise.
Opening a Bank Account Abroad May Not Be So Easy
With the recent passage of the Foreign Account Tax Compliance Act (FATCA), many banks in Latin America are refusing to deal with U.S. passport holders. The reason? With the complicated reporting requirements to the IRS and potential penalties for not reporting, local banks have found it easier just to avoid the problem altogether by not doing business with expats.
Increased concerns involving illegal activities, as reflected in tighter AML (Anti Money Laundering) rules and, of course, the Patriot Act, have also impacted the ability of expats abroad to open local accounts. This is a trend that can be expected to continue to increase for the foreseeable future.
Even those banks that still will permit foreigners to open accounts often mandate massive initial deposits, proof of residency, and other requirements that many new expats, frankly, are unable to meet. As a result, new arrivals in paradise may have to rely on their banks back home as a source for their funds.
Think Panama
All ATMs Are Not Created Equal
As is the case in the U.S., the fees charged by the owners/operators of ATMs for withdrawing cash can vary greatly. In addition, many ATMs only use Spanish for their language option. For those who do not understand or speak the language, this could also result in confusion and create potential problems.
Not all ATMs will have the option of receiving your cash in either U.S. or local currency. Before completing a transaction, make certain that the cash that you will receive is in the currency you were expecting.
Beyond any local fees that local institutions may charge for using their machines (again, not dissimilar to the U.S.), there will be exchange rate fees and transaction fees from your home institution as well. Comparing the various rates banks charge for purchases and cash withdrawals can help you choose an option that can save you money in your new expat life.
ATM Versus Debit Cards
There are differences between ATMs and Debit cards that can impact their usefulness abroad. Generally speaking, Debit cards will have a VISA or MasterCard logo on them and can be used for purchases as well as cash withdrawals; ATM cards are more limited and primarily are used for accessing funds in checking or savings accounts. Inquiring with your institution to see if you can have both issued can be another tool to maximizing your account options.
Think Panama
Problems Involving Expat Banking and Finances (and How to Prevent Them)
There are few things more traumatic to expats building a new life in their chosen tropical paradise than to abruptly discover that they can’t get to their money. Below are some of the most common problems and ways of preventing (or limiting) their impact:
I Can’t Find an ATM That Will Accept My Card
If your home institution is part of the PLUS or Cirrus networks, finding an ATM that is part of those networks should be easy; over 135 countries participate in those programs. If you have trouble finding a local ATM that is a member, there are online directories that can provide the locations of compliant machines.
My PIN Number Doesn’t Work
Many foreign banks will only accept PIN numbers that are four digits long and numeric. If your PIN is longer than four digits, or has letters and/or symbols, consider changing it before you depart for your tropical destination. This simple precaution can prevent a lot of undue worry.
My Card Is Blocked
This scenario is becoming more frequent as international fraud has increased. Unfortunately, banks are not required to notify their customers that a block has been put on, the result being that the first time you may learn of this situation is when your transaction is declined. The best way to limit the impact of this problem is to have more than one option for accessing your cash; having two or more accounts (savings, checking, credit, etc.) will permit you to get to your funds from a different source until the blockage issue can be resolved.
A second preventative measure is to have a travel advisory placed on your account(s) before you go so that your bank/credit union doesn’t think that a fraud is being attempted. Additionally, keep your bank’s contact information readily available in case a question arises; many institutions have online access as well as phone services that are available 24/7/365.
My Card Was Lost or Stolen
Immediately contact the issuing bank and advise them of the situation. Find out from them what their best recommendations are for replacing your card and accessing your funds in the interim. If an Internet site is available, monitor all activity on your account and report anything suspicious.
Final Thoughts
Learning the best methods of getting to your money after arriving in your chosen expat destination may seem daunting but, in truth, it’s only another part of adapting to your new tropical lifestyle. Take the time to examine your banking options, both local and with your current financial institutions, as you prepare for your overseas adventure. Your efforts today can make your tomorrows far less stressful.
Your new expat life is going to involve a lot of adjustments, on many levels, during the first six months of living in paradise: social, mental and, yes, physical. Knowing some basic health tips can make living in your tropical retreat much less stressful.
Many Latin American countries have excellent health care options and insurance programs that equal those in the U.S. and are far less expensive. However, there are still many areas where modern medical access is not always immediately available. Learning common sense approaches on adapting to your new environment can make living healthy an easy and enjoyable task.
Nick Kenrick
Health Concerns in a Tropical Paradise
For all the benefits of living in an environment where life moves slower, nature is on full display, and the opportunities for rediscovery are nearly boundless, being aware of potential health problems is an important part of immersing in the new world you have chosen. There are a number of physical conditions you must look out for.
Skin Problems
Perhaps the most common medical issues faced by newly arrived expats to the tropics are those involving the skin.
- Insect Bites – Insects are everywhere, especially in more rural settings. Using a good insect repellent (one with DEET) is your best defense. Treating bites is easy; using anti-itch medications, such as Benadryl, can clear things up in a few days.
- Sunburn and Heat Rashes – Playing in the tropical sun for extended periods can have unintended consequences. Applying a sunblock/sunscreen can cut down on your risk of burning. If a heat rash develops, keeping the skin clean and dry, and staying cool. This should resolve the itchiness and redness. Fortunately, as you adapt to living in paradise, your skin will also develop a greater tolerance to this new environment.
- Other Eczemas – Other skin conditions may be the result of fungal or bacterial infections. Keeping your skin and clothing dry and clean can do wonders for reducing the risk of these occurring. If a problem arises (rash, itchiness, or dry, scaly patches), using topical anti-fungal medications is the best treatment. If things don’t seem to be getting better, a doctor should be consulted.
- Heat and Sun-Related Illnesses – Heat stroke and sun stroke are often not thought of until they appear in the form of light-headedness and disorientation. Remembering that you are living in a tropical climate and, depending on which country, much closer to the Equator is important. Allow yourself to adapt physically, as well as mentally; all things in moderation.
Stomach Disorders
A close second on the list of most common medical problems for new expats involve the stomach and digestive tract.
- Travelers’ Diarrhea – Eating new foods and drinking water from unknown sources is the principal cause of this all-too common condition. Making certain that food is properly cleaned and water is from a disinfected source (or bottled) are good preventative measures. If this does happen to you, make certain to stay hydrated and eat lightly; things should clear up in a few days.
- Giardiasis and Schistosomiasis – Less well known, these two ailments also impact the digestive tract, urinary tract, and kidneys. The presence of blood in the urine or stool, along with diarrhea and cramps, are primary symptoms. The best way to avoid them is to maintain good hygien,e as well as proper food and water preparation/sterilization.
- Cholera – Drinking contaminated water or eating raw/uncooked seafood (think ceviche) are the primary causes of this illness. Fortunately, modern antibiotics and rehydration can combat and ultimately defeat this disease.
Less Common, More Serious Conditions
While not as common, there are a number of serious conditions that expats should be aware of.
- Malaria, Yellow Fever, Dengue Fever – This group of illnesses, though less common, still exists throughout much of Latin America. Marked by high fevers, aches, and general weakness, these ailments are most commonly spread by mosquitoes. Using insect repellent and mosquito netting, when in more wooded or jungle areas, are ways to minimize the exposure risk. For some of these illnesses, vaccinations are available and should be considered before the move.
- Hepatitis A-E – These are blood based illnesses that affect the liver and usually involve some kind of transmission through exchange of bodily fluids; hepatitis A, however, can be contracted through contaminated food. There are vaccinations, but only for types A and B.
Robert Thomson
Health Tips to Consider Before You Go
While no one can truly prepare for the unexpected events in life, there are a number of things an expat can do before arriving in their Latin American home which can be beneficial in dealing with medical situations that may arise.
Stock Up on Prescription Medications
If you, or a family member, are taking regularly prescribed drugs, make certain that all of the prescriptions are filled – preferably for 90 days or more. You may want to speak to your medical provider on options for receiving renewals if you are out of the country.
You may also want to do some online research into what alternative or generic medicines may be available in your new location. Many countries sell prescription drugs over the counter without your needing to see a physician; while the names of the drugs may be unfamiliar, the actual formulas can be identical to those you may already be using.
See Your Doctor, Get Examined, Get Vaccinated
Getting your annual examination done before leaving the country is a great, common-sense step to identifying any potential health issues. Getting current on all vaccinations should also be high on that list; many Latin American countries have the potential for harmful diseases, particularly in more rural areas, which can be prevented through vaccination.
Does Your Insurance Cover You Outside the U.S.?
Most health insurance companies have limits on coverage outside the U.S. Additionally, finding providers in your new home who would accept foreign insurance can be extremely difficult. Looking into health insurance in your new country and speaking with your former carrier can give you insight on how to proceed.
Since out-of-pocket expenses for medical services is much less than in the States, (and possibly less than an insurance premium), considering just paying for care, when needed, might be the best budgetary option. Check on social media to see what others who have gone before have to say on this topic.
Stock Up on Your Over-The-Counter Supplies
Finding things like sinus and allergy pills, aspirin and other pain medications, antacids, or topical skin medications for insect bites and sunburn, can be difficult when you first settle in. Make sure that you bring plenty of these types of products with you to help you manage these situations until you learn where their local equivalents can be purchased.
Autentico Adventures
Covering Your Bases
Preparing for and adapting to the life-changing experience of becoming an expat can be much easier by using basic common sense. Here are some simple tips to help you adjust.
Remember Where You Are
There is going to be a period of adjustment to your new environment. Don’t expect your body to immediately become comfortable to newer foods and newer temperatures. Keep this simple truth in mind and allow yourself time to settle into expat life; slower is better.
Have a Fallback Plan
Although they probably won’t be needed, make certain that you have contact numbers for the U.S. consulate/embassy in the event that a serious medical situation develops. Consular officials can be helpful to arrange transportation back to the States in a worst case scenario.
Make a list of all medical conditions and medicines that you are taking and keep them with your passport. A list of emergency contacts (friends/family) should also be included. This information can be useful in emergency situations.
Fulfilling your Latin American dreams can be the most profound life choice you can make. Knowing that you can make this transition and keep healthy at the same time will only enhance the experience.
A major concern among potential expats and retirees is how safe it will be to live in their new country. It is a fact that there are areas in Latin America where crime and violence are prevalent, particularly in urban centers. The good news? There are still places where expats can find some of the safest countries in the world in the tropical paradise of their dreams.
The emerging countries in Latin America face a number of challenges as they continue to develop improved infrastructures and economies. Political instabilities and the growth of organized crime in some countries have also been major factors in personal safety concerns. At the same time, several countries in the region have made good improvements in public safety.
Steve Summers
How Safe Is Living in Latin America – The Numbers
A recent Gallup Law and Order Index poll showed that residents in Latin American and the Caribbean were least likely to feel their communities were secure. This survey was based on factors such as confidence in the local justice system, how safe respondents felt personally, and self-reported incidences of theft or other crimes.
Significantly, however, the index ranking (of world regions) actually improved 2 points from the previous 2009 survey. Other regions, while ranking higher, showed decreases during the same period; the U.S. and Canada, -1 point; south Asia, -6 points; Middle East and North Africa, -5 points. Even the number one region in the poll, Southeast Asia, dropped 2 points. Clearly, Latin America is moving in a positive direction.
The 2014 Global Peace Index also shows promise for the region. Of the 162 countries ranked, several popular expat destinations ranked quite high; Costa Rica came in at number 42, Panama, number 57, and Nicaragua, number 58.
What About the Cities?
It may come as a surprise, but many Central American cities are safer than those in other locations. No cities in Costa Rica, Nicaragua, Panama, Ecuador, or Belize even appear on the Mexican Citizens’ Council for Public Security and Criminal Justice, or CCSP-JP, which publishes an annual report of the 50 most violent cities in the world.
While Brazilian and Venezuelan cities make up the majority of those Latin American communities on the list, Mexico, by contrast, has seen a reduction in the number of cities on that list from 12 in 2011 down to 10 in 2014.
Even the U.S. has more cities on the list than most Latin American countries; [St Louis (19), Detroit (22), New Orleans (28) and Baltimore (40)]. This is just another indication that your tropical dream location may be among the safest countries in the world.
Mii Chiel
How to Find the Safest Countries in the World
Each country has areas that are less safe than others. As part of investigating where in paradise you want to live, there are some simple things that you can do to help select the most comfortable place to begin the next phase of your life.
Online Information Is a Great Place to Begin
Because of the increasing interest by expats, retirees, and investors in Latin America, there is a wealth of information about each country that can be readily accessed by the proverbial “click of a mouse.”
In order to avoid information overload (which can easily happen), make a short list of the desirable characteristics for your tropical paradise as well as a list of concerns that you may have. When you start your research, using your lists can help focus your efforts to truly gain an understanding of the countries and communities that interest you.
Many expats post blogs, make entries on social media applications such as Instagram and Facebook (to name two), or join online groups to share their experiences living abroad. Become part of these groups, read the entries, and, above all, ask questions about the prospective destination. Learning from those who have already made the journey is, perhaps, the best way of discovering any potential issues that may not be openly advertised on sales or market-driven sites.
There Is No Substitute for Visiting First
While doing research and connecting with other expats is certainly an important part of finding a location that you can enjoy and feel safe in, there is no substitute for actually visiting yourself. If possible, make more than one trip; being able to experience life in your preferred area at different times can help fill in some of the “knowledge gaps” that remote research just can’t complete.
Talk to the Locals
Getting to know the ins and outs of your new community is one of the best ways of staying safe not only in Latin America, but anywhere in the world. Talk to the locals that live there, preferably expats who speak your language. There is no better source to learn where the problems are and how to look out for them than residents who live with them day to day.
Can Latin America Be a Safe Haven for Expats?
Ultimately, the big question for many expats is: Will my new home in paradise be safe? The answer would have to be a qualified “Yes.”
There are legitimate concerns about public safety in a number of Central and South American countries and communities. At the same time, there are also many desirable destinations whose crime rates are less than many American cities and towns.
The continued efforts by many Latin American governments to encourage foreign investment and ownership of property will, in the long term, continue to increase the level of public safety in their nations. Additionally, as expat communities grow and flourish, the amounts of information available to potential new arrivals will only increase and provide a more concise picture of how safe life can be.
Deciding to become a tropical resident involves a certain amount of faith in the outcome. Putting in the time, in terms of gaining knowledge and visiting places that intrigue you, is one of the best ways of ensuring that the safe haven you seek is where you desire.
There is no time like the present to begin the quest. Let your journey of discovery begin today.
Located 1200 meters (3900 feet) above sea level, this little Panama mountain boasts the perfect climate. It is obvious why it is such a hit with expats and retirees. Great weather, lots of restaurants, and a walkable, small town feel.
Paul McBride joins the show to discuss Boquete’s enduring appeal and why you should consider it even if you want to be near a beach. We also talk about the real estate market, how the area has changed over the last decade, and where you should be looking for investment opportunities.
Additionally, Paul tells us about the costs to build a home as well as local market prices and why he has called Boquete, Panama home for over a decade.
Listen to the show
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The Show Notes
Contact Paul anytime here.