Saturday, November 21, 2009

We Introduce Marcela Ponce Menendez


We want to introduce you to our latest "find" here in Uruguay.

She is Marcela Ponce Menendez.

Marcela is experienced in obtaining legal residency for newcomers arriving in Uruguay. She can tell you what steps you need to take, help you with your medical exam, and guide you successfully through the process. She speaks both English and Spanish with proficiency.

She also offers another service that we consider helpful to newcomers with limited or non-existent Spanish-speaking skills. Often, along with being linguistically challenged, new residents are handicapped in negotiations because we don't understand the culture and how things work here. Add to this the fact that locals are often blinded by imaginary dollar signs when they hear an English accent and may attempt to adjust the prices accordingly.

That's why it can help to have a local translate and even negotiate for you when it comes to renting or even buying here or handling other business matters. We can recommend Marcela.

A native-born Argentine, she has lived in Uruguay for the past 20 years. She is a graduate of Enterprise Argentina University in Buenos Aires and her fees are very reasonable.

She will also teach you to speak Spanish, once you are here, having taught professionally in private schools.

You can contact her at marceponce099@hotmail.com.
Her office phone is 037-28902 and her cell phone is 095-317676
If calling from the US you will need to dial
011-00598-37-28902(line phone) 011-00598-95-317676 (cell phone)
Or she can be contacted on Skype at marceponce099.

© Arlean Kelley 11/21/2009 All rights reserved.

As with all of our contributions, we always appreciate your feedback. Please post your comments if our information has been helpful or if you have corrections or further information or experience to add.

Monday, October 12, 2009

Culture Shock



Recently we had the privilege to meet with a young couple who were planning to move to Montevideo with their two children. During our meeting we told them that they were almost sure to suffer culture shock once they had moved. We described it for them and assured them that it would pass.

Later after they had made the move, she wrote and told me how glad she was that I had prepared her because it did happen and, since she recognized what it was, she was able to weather the storm.

On another occasion, I met a woman at an English speaker’s meeting who was seated off to herself, looking depressed. I approached to talk to her and she actually said, “I’m about to slit my wrists.” I think (hope!) she didn’t mean that literally, but after listening to her for a few minutes I said, “You’re experiencing culture shock, you’re going to be okay. This will pass.” Today this lovely lady owns a small farm, her new home is under construction and she is doing fine.

Culture shock takes different forms with different people, and can be present in different degrees. It seems to me that it affects women more than men but can seriously affect men as well. Some people who go through this period of adjustment develop hostility and irritation toward the host country and its people. Others just feel depression or a sense of loss or insecurity, excessive concern about cleanliness, excessive fear of being cheated, sadness or any combination of a variety of other reactions. Ultimately it all culminates in a desire to return to the place where things are familiar.

I experienced culture shock for the first time when I accepted an invitation from my son to visit Belize with him. Even though the language was English, the culture and the people were so unfamiliar that it took just five days for the shock to set in. It was hot there and the entire country seemed to have neither ice nor toilet paper. You had to carry your own roll and some of the public bathrooms were awful. I had never seen anything like it. Plus a man who rented a beach cabin to us tried to cheat us. My son took care of that in short order. But in the end, all I wanted to do was get on that plane and get back to Florida. It only took five days for me to get to that point!

A few years later, when I moved to Bariloche, Argentina, I experienced it again. In that case the people in Bariloche, unlike Belize, spoke a different language. I am not easily depressed but I certainly was then. I had the unrealistic feeling that everything I had ever done in my entire life had been wrong—a mistake. Of course that was foolish thinking, but it was a part of the culture shock. I wrote so many emails to my poor daughter that she wrote me in exasperation, “Mom, I don’t know what to do with all your emails!” I didn’t realize how many I was writing. I did the same with friends. It was an unconscious attempt to reach back to the familiar—to things and relationships that were comfortable.

Today I can be in the land of my birth for months on end and when I return to South America it feels so good to be back--like a return to my other home. It is a joy. In fact, some American expats have told us that they feel such a sense of freedom here that it is when they return to the United States on visits that they experience culture shock. It is culture shock in reverse, hard as that is to imagine. One couple who had lived in Guatemala for 18 years told me the only reason they ever go back is because of their aging parents and once they are gone they will never return. They are that much at home in Guatemala.

The area of South America with which I am familiar was a much easier adjustment for me than Belize. I think that it is partly because people here are of European descent. When I go out anywhere, the people look the same as people that I would normally see if I were not in a foreign country. So on the street, in restaurants or stores, things don’t seem strange at all. Also, the people here seem to think and reason the same way. It was not difficult to relate to them once I had a little command of the language. And so, in some ways, the country naturally has a certain degree of familiarity for me.

These things may not apply to everyone. For example, if you have chosen to live in Belize, I have no doubt that you will become accustomed to the culture even though it might take just a little longer. Or, in your case, it might not. And besides, they may even have both ice AND toilet paper in Belize by now! That was a few years ago. But finally settling in a country where things and people are more similar to the way they were “back home” has been helpful to me.

Now that we have established that some degree of culture shock is normal, what can we do to minimize it?

First, I think that just recognizing it as normal and knowing that it will pass is a big factor. You CAN live through this, and you will! The day will come when your new home will be . . . well . . . home!

Next, try to find a support group of other expats who have been in the country for a while. Many problems that you encounter in a new country are probably common and other expats may already have found the solutions. It may take a while to get used to the fact that Latin America may be quite different from what you are used to. In this part of the world there is almost always a way to get things done. Newcomers get upset about things that the rest of us are likely to laugh about! Meanwhile, this kind of group provides social contacts with whom you can communicate while you are learning the local language and building local friendships. In Montevideo there is a group of English speakers that I recommend. You can read about them here. Other cities, both in Uruguay and in other countries, usually have an expat community.

Also, when you face frustration in your host country, don’t forget that you had frustrations back home as well. No country is free from frustration and no bureaucracy free from stupidity. If you want to experience real frustration, just try repairing the roof on a house in Dade County, Florida. Talk about bureaucracy! In all honesty, with all the frustrations and inefficiency I have experienced in Latin America, none of it even comes close in comparison to the stupid bureaucracy involved in repairing a storm-damaged roof on your own house in Dade County!

So far I have frankly found life much easier here! But if you are coming here from the hills of Tennessee where there is (perhaps) little bureaucracy, you just might disagree!

In any event, when we are facing foreign inefficiency, it is easy to forget the inefficiencies we experienced back home and become inpatient and critical—especially when we are going through the adjustment period. So one suggestion is to try to remember that things were not perfect in your native home and avoid being too critical of your new one.

Get daily exercise, get enough sleep, and eat a natural, balanced diet. Loss of sleep, in itself, can cause depression and exercise relieves stress. Remember that high intake of sugar is known to bring on hyperactivity and unmanageability in some children. It can do the same for adults. Try to take care of yourself so that your lifestyle will not contribute to the problem.

Enroll in some classes in the language of your host country. In our area many Spanish classes include an introduction to the culture. Once you begin to be able to communicate enough to get what you need and know your way around on your own, you start to notice the feeling of empowerment—of being at home in your environment.

So do take heart. You, too, will survive and almost surely learn to love your new home.
_________________________________________________________________

© Arlean Kelley 10/12/2009 All rights reserved.

Please feel free to send any questions. We will answer in the blog or write or call you directly. Comments are welcome. You can write comments for all to see by clicking on "comments" below. Or send us an email and we will include it for you. If you would like to be notified of new posts coming online, please send an email to us at newsfromlatinamerica@yahoo.com and we will add you to our email list. And we hope to meet you in person soon--in Latin America!

Monday, October 5, 2009

How to Subscribe to this Blog



If you would like to be notified when new material is added to this blog or to receive other messages from us, please send an email to
newsfromlatinamerica@yahoo.com and we will add you to our mailing list.

Likewise, if you decide that you don´t want to receive mailings from us any more, just let us know.

We encourage any comment on any of the posts. Just click on the comments line at the bottom (next to the email envelope).

All opinions and viewpoints are welcome and encouraged. We especially appreciate additions from expats already living in South America but other questions and comments are also welcome. There is only one rule. That is that everyone show the same respect and courtesy for others that we would if we were a guest in another's living room. Aside from that, it's a free for all!

Arlean

____________________________________________________________________

© Arlean Kelley 10/10/2009 All rights reserved.

Monday, August 31, 2009

Diversify Your Retirement Account



Have you ever wished that you could diversify your retirement account, not only among different assets but also among different countries? Many people think that their only options for their IRA funds are in the stock market or in cash.

Happily that is not the case. There are many opportunities out there--and they are not even limited to a single country.

Here is a partial list of investments that you are legally allowed to hold within your retirement account, whether inside or outside the U.S. For this partial list we give credit to Simon Black of the Sovereign Man newsletter.

"- Gold stored in your home
- Foreign real estate
- Gold stored securely overseas
- FOREX, hard money loans, Options, Stocks & Bonds

And of course much more…"

Simon goes on to say that the process is simple. It involves investing your IRA funds in a properly structured LLC of which you are appointed manager and you direct the activities of the LLC.

Most of us are painfully aware that we are living in an age of financial uncertainty. Diversification is one way to protect oneself financially. Not only between different banks and types of investment, but also different countries.

Simon writes a very good newsletter. Right now it is free, although I suspect it will not always be so. You can read the current issue about how to diversify your IRA, as well as back issues, at http://www.sovereignman.com/. You can even sign up for his daily newsletter there if you are interested. Simon provides information that is not easy to come by. Plus he tells you enough details about how to do it that at least you have some idea how to proceed or where to find the information that you need.

Let me know what you think.

I hope to be back in South America in mid-September.

© Arlean Kelley 08/31/2009 All rights reserved.

Please feel free to send any questions. We will answer in the blog or write or call you directly. If you click on the comments line below you can add your opinions or comments for all to see. Or just send us an email and we will add it for you. Contributions from other expats living in Latin America are encouraged. They are, of course, subject to editing. If you would like to subscribe to this blog, just send us an email to newsfromlatinamerica@yahoo.com and we will add you to our email notification ist. Likewise email us any time you want to be removed from our list.



Thursday, June 11, 2009

Uruguay Battles Brazil on the Futbol Field






















This week in Montevideo was The Big Game. Uruguay met Brazil on the Futbol (soccer) field.

You already know that latinos excel when it comes to celebrating a holiday. They have their priorities in place and holidays are right up there at the top.

Stores close for all kinds of reasons anyway. Once when we were visiting a couple here in this part of the world, she closed down her clothing store because we were there. I said, "But can you do that? What about your customers?"

To which she replied, "It´s my store. I can close it if I want to!" I guess she was right. And you will find that she isn´t the only storekeeper that closes if she wants to.

When you are an expat in this part of the world, holidays often sneak up on you and catch you unawares. But we were not prepared for the city to shut down just because their team was playing soccer. I was warned that I could expect not many people or traffic on the street because most would be either at the stadium, gathered in homes in front of the TV, or at a sports bar.

But the day started out like any other day. Traffic in the streets was about the same and people rushing about, as always. But along about noon all that visibly started to change. Doors were being locked as each customer left the store and finally the metal grillwork was rolled down over the glass in one store after another.

About an hour later the streets were relatively quiet and there were few pedestrians. A few people were still out and about and if they came into the hotel you would hear them ask "What´s the score?"

One more reason for a holiday in Uruguay.

And the score? Brazil 4 - Uruguay 0

© Arlean Kelley 03/11/2009 All rights reserved.

Please feel free to send any questions. We will answer in the blog or write or call you directly. If you click on the comments line below you can write comments for all to see. Contributions from other expats living in Latin America are encouraged. They are, of course, subject to editing.

Wednesday, June 3, 2009

Montevideo Stock Exchange





















Bolsa de Valores de Montevideo


Uruguay does indeed have its own stock exchange, located in the Ciudad Vieja--the Old City--in Montevideo. The exchange itself handles only bonds and Uruguay companies. But if you ask at the Bolsa de Valores, they will give you a very long list of stock brokers in the city.

Or you can get the list from me.

We visited one broker on the list who also handled only bonds, but who underlined, on our list, the stock brokers that he knows and recommends who do handle stocks for their clients. A visit to one of them provided the following information.

Gaston Bengochea & CIA can buy shares for you in major markets of the world. They do work with Mellon Bank in Pittsburgh, Pennsylvania, through Merrill Lynch--however you happen to feel about that at this point.

They can hold your account there in the name of the brokerage, or designated in your own name, as you prefer. Or they can set up a custodian account for you in their commercial bank here in Montevideo. They do not provide stock certificates but hold all stocks in electronic form, but they can sell your stock certificates if you are now holding them.

They also volunteered an alternative custodian in place of Merrill Lynch. It is the Julius Baer Group, a Swiss "boutique" bank that they have researched and recommend. Julius Baer requires a minimum of $500,000. A little rich for the blood of some of us but the option is there if you are interested and qualify.

Of course there are other Swiss banks that have a lower minimum and will buy stocks directly for you on many exchanges, if that is what you are after. However, if you are a U.S. citizen, some of the banks that we know of will buy shares of foreign companies for you (Canada, Brazil, Asia, etc.) but will not buy U.S. shares. I am sure they would like to but they feel that they avoid a lot of problems by just saying no.

If you have questions, please don´t hesitate to email us.

© Arlean Kelley 03/11/2009 All rights reserved.

Please feel free to send any questions. We will answer in the blog or write or call you directly. If you click on the comments line below you can write comments for all to see. Contributions from other expats living in Latin America are also encouraged. They are, of course, subject to editing.

Argentina International Analyst Offers Financial Advice



Adrian Salbuchi, Argentina International Analyst, in this video describes the global financial system as one huge Ponzi scheme. Argentina has faced inflation and devaluation of their currency in the past and some of them believe that the United States and other countries are traveling the same path that Argentines have already traveled. I don´t know if he is on target on everything but I thought what he has to say worth considering. One never knows. His advice might be helpful:







Please feel free to send any questions to us at newsfromlatinamerica@yahoo.com. We will answer in the blog or write or call you directly. If you click on the comments line below you can write comments for all to see. Article contributions from other expats living in Latin America are encouraged. They are, of course, subject to editing.

Sunday, May 24, 2009

Free Medical Care in Montivideo, Uruguay



Today I spoke with an M.D. who works at the public hospital in the Ciudad Vieja area of Montevideo. He is a cardiologist.

Naturally I questioned him about health care in Uruguay.

As already posted elsewhere in this blog, medical care is reported to be very good here--and affordable. I have been told that if you need something as sophisticated as a heart transplant you would need to cross the river to Buenos Aires. But Uruguay is prepared for illness short of that.

Actually, free medical care is available at the hospital in the Old City. Those of you from the U.S. who are old enough to remember the old free county hospitals may have a good idea of how this physician described the public hospital. You have to wait for a long time because they accept everyone. Even someone with a child with sniffles. It is so easy to run to the hospital when it is free. Probably it is the worst thing you can do since who knows what you can pick up there that you didn´t have already--in ANY hospital.

But they will treat anyone, whether you are a resident or not, citizen or not--doesn´t matter. You will have to pick up and pay for your own medication if you do not have a card issued by the hospital. All you have to do to get a card is apply for one. Once you have a card, they will even provide your medications.

However, this cardiologist told me that if you can afford the private doctors and clinics you are better off there. I said "Why? Is there something wrong with going to the public hospital?"

"No," he said, "but sometimes we do not have the things we need. Sometimes we don´t even have gloves."

But still, qualified free medical care is available for those who need or want it.

Of course there are private physicians and numerous private clinics and hospitals. I have not had experience with them, but other expats report satisfaction with their private medical care.

© Arlean Kelley 03/11/2009 All rights reserved.

Please feel free to send any questions to us at newsfromlatinamerica@yahoo.com. We will answer in the blog or write or call you directly. If you click on the "comments" below you can write comments for all to see. Article contributions from other expats living in Latin America are encouraged. They are, of course, subject to editing.

Wednesday, May 20, 2009

How to Qualify for Residency or Citizenship in Uruguay




























Some of the first questions we all ask are:

Must I be a legal resident before I can buy real estate?

How can I live in the country legally?

Are my property rights protected there?


You don´t need legal residency to buy real estate in Uruguay. You can just cross the border into Uruguay and buy real estate. The Uruguay government claims to protect the rights of Uruguay citizens and foreigners equally the same.

There are two ways that you can live in Uruguay without getting on the wrong side of the Uruguay immigration laws.

1. Take a bus, the hydrofoil, or the ferry across the river to Argentina every 90 days. Go shopping. Go out to dinner. Go to the opera. As you cross the border back into Uruguay, you automatically renew your tourist visa.

Or, if you choose to live on the Atlantic coast of Uruguay, and you are a U.S. citizen, get a visa for Brazil and take a mini-vacaton there every three months. Many non-U.S. citizens do not need a visa to enter Brazil from Uruguay, but U. S. citizens must obtain a visa to enter Brazil.

When I lived in Bariloche, Argentina, in the Andes near the border with Chile, I crossed a mountain pass into Chile every three months. In winter it was not unusual for the pass to have snow and ice. In Uruguay you don´t even have snow and ice to contend with.

But why even do that if you don´t have to? If you have $500 a month retirement or from another source, or you can find a job or a way to work in Uruguay, you´re in. Well, almost. You just need to jump through a few hoops.

You must provide documents to immigration as follows:

1. Your birth certificate

2. Your marriage certificate. If you are divorced or your spouse has died, just to be on the safe side, bring a copy of your divorce decree or the spouse's death certificate. This is just an overview. If you do decide to obtain legal residence, I suggest you check with an immigration attorney regarding your own circumstances.

3. Police record from your home country as well as anywhere else you have lived in the last five years. (For U.S. citizens, this is obtained at the Interpol office in Uruguay.)

4. Documented proof that you meet the income requirements. At present that requirement is $500 per month. This income can come from a pension, retirement fund, rental property either in Uruguay or elsewhere, income from a company you own, or a job contract in Uruguay. Really almost any income, if sufficient, will qualify you for residence.

These documents must be obtained before leaving your home country. They must be legalized at the Uruguay Consulate in your home country and legalized in Uruguay at the Foreign Ministry.

You must also provide a certified translation of all documents into spanish language.

My own immigration attorney suggests gathering the documents, having them authenticated, then sending them to him just to be sure everything is in order before leaving for Uruguay.

You then enter Uruguay as a tourist and present your papers to immigration. Once you have submitted the papers, and before you are approved, you are allowed to ship personal and household items into the country duty free. You do not have to wait until official approval. However, there is a process of posting the duty amount for the incoming goods just in case you do not follow through with your residency. But once you do, the deposited amount is returned to you.

It can take 8 months to a year and a half for temporary residency. It may well depend on whether you do it yourself, use an attorney or representative, and even what representative you use and the connections that person has with immigration. As you probably know, much of what happens in Latin America depends upon who you know.

There are also some medical requirements. Women are required to have a mammogram and all applicants must have a tetanus shot. I have no idea why tetanus. Living in Uruguay is not that much different from any other developed country--I am only reporting the current requirements.

After one year as a temporary resident, you may apply for permanent residence. In three to five years, you may apply for citizenship and a second passport.

Although I prefer to work with a knowledgeable attorney or representative, a number of expats here successfully obtained their residency without an attorney.

If anyone has had a different experience from what is reported here, your input is appreciated. As we all know, things change often in Latin America and your input could be important to someone just now taking this step.
___________________________________________________________________

© Arlean Kelley 03/11/2009 All rights reserved.

Please feel free to send any questions. We will answer in the blog or write or call you directly. If you click on the "comments" below you can write comments for all to see, or just send us an email. Article contributions from other expats living in Latin America are encouraged. They are, of course, subject to editing. If you would like to subscribe to this blog, email us at
newsfromlatinamerica@yahoo.com and we will add you to our mailing list. Likewise send us an email if you want to be removed from the list. We look forward to meeting you personally--in Latin America!

Shopping the Organic Market in Montevideo






















This is especially for those purist folks who are concerned about the poisons and other chemicals that add insult to so many of our fruits and vegetables around the world.

When we were considering living in Montevideo, one of my concerns was about the availability of organic produce and other food products. To my delight I found that there are, indeed, farmers in Uruguay who are committed to organic farming.

A small section of the Sunday open market at Parque Rodo is populated with organic farmers. We buy fruits and vegetables, organic wheat flour, bread, cheese and even personal care products there.

However, in my neighborhood of Montevideo, known as "Centro," only blocks from where I live, a group of organic farmers have opened a coop-type storefront where they bring their food products for display and sale. You can find fruits and vegetables, cheese (yes we can even get organic cheese), some meat, personal care items, books, honey--even some handcrafted items.

They tell me that, if I call in my order the evening before, they will even deliver to my front door.




















I have met some Uruguay people who tell me that the farming culture in their country traditionally leans toward avoiding unnatural farming methods and insecticides, and that even the farmers who are not organic avoid pesticides as much as possible.

Something else that I find interesting is the knowledge among the people about the use of herbs for healing. That interest shows up in the selection of books on display at the store. They offer for sale quite a few books dedicated to medicinal herbs.





















Productos Organicos is not a health food store like those to which many of us are accustomed. There are no shelves stacked with bottles of vitamins and minerals in pill and capsule form. It is all just fresh farm produce.

Since I like to buy fresh wheat and grind my own flour using the grain attachment of my Champion juicer (does a fantastic job!) I was looking for a source of fresh, organic wheat. I did find an organic wheat farmer here. Someone else in our English speaker´s group (covered in a different article) also found a source of organic seeds for sprouting and grinding.

So for you organic folks, I assure you that we are down here busily gathering information for you all . . . as well as for ourselves!

Purchasing at the organic section at the Parque Rodo market is most economical. All depends on whether you are looking for economy or convenience. The market at Parque Rodo is available only on Sunday whereas Producto Organicos is open every day.

Sadly for those of us who understand the value of an uncorrupted food supply, the organic farmers tell us that Monsanto is here in Uruguay and the Uruguay government is now allowing their seeds. There are stipulations as to how far away they have to be with their genetically modified seeds, but of course it would be best if they were not in the country at all from the point of view of those of us who profer organics. Or even prefer food as nature intended us to eat it--without pig or bacterium genes!

When the camel gets its nose inside the tent, I get worried!

However, the only GM crops, so far as I know right now, are corn and soybeans. Also some crops used for oil, like canola and cottonseed oil, may be genetically engineered. A Wikipedia article at http://en.wikipedia.org/wiki/Genetically_modified_foods lists genetically engineered foods.

A very high percentage of the corn and soybeans in the U.S. are GM products. This is why I don´t eat corn. There was a genetically modified tomato at one time but it could not compete with a traditionally grown tomato so it was taken off the market.

Therefore, for now, GM foods in Uruguay are not a problem (unless one likes corn a lot) and there appear to be plenty of organic farmers ready and willing to provide organic products for those of us who are interested.

As I learn more about organics and farming in Uruguay I promise to let you know.

© Arlean Kelley 03/11/2009 All rights reserved.

Please feel free to send any questions. We will answer in the blog or write or call you directly. If you click "comments" below you can write comments for all to see. Article contributions from other expats living in Latin America are encouraged. They are, of course, subject to editing.

Saturday, May 9, 2009

Buying Uruguay Real Estate





This week I purchased my first Uruguay real estate. It is a three-story building in the Centro area--downtown Montevideo--two blocks off the main street, a pleasant four block walk to the waterfront, and walking distance to the Old City.

The structure is only 37 years old, according to the record. While the inside is a shambles, the building itself is wonderfully solid construction. The first floor is an empty storefront and the upper two floors were designed as a four-bedroom, three-bath house, complete with balcony, patio with BBQ grill, and a stairwell going all the way to the roof.

The roof can be used for sunbathing, family get togethers, hanging laundry or throwing a rooftop party if one were interested.

Although it is a wonderful building, it was left unloved--vacant and neglected for years after the previous owner died. The family had raised six children there. They moved away long ago. When the mother became infirm, this Uruguay real estate was rented to a government agency to help with her expenses. When the agency moved out, the building was left alone and empty--a medium for graffiti artists.

Sadly the renters that used it for those years left it in terrible shape.

In addition, leaves were allowed to pile up on the roof and block the drains, causing filtration of water and, eventually, mold in some of the rooms.

Here are some pictures.


Here is your Uruguay reporter in her new diversion of building renovator!


Taking up old carpet


A Little Work Required Here!


Second Floor Patio and Grill


View From the Third Floor

And so begins the business of restoration. We will keep you informed of the progress.

If you happen to be one of us crazy people who just love to see a wonderful, neglected building restored to warmth and beauty, there are plenty of similar real estate opportunities here in Montevideo.

Uruguay is probably one of the few places left in Latin America that is beautiful, tranquil and stable, with low crime, low living costs, where you can find real estate reasonably priced.

A building of this quality, situated even in San Telmo, Buenos Aires (not in the posh Ricoleta area), would cost about three hundred percent more, even in its present condition. And it would not be in the downtown business area.

Stay tuned for more real estate information. Until next time . . .

© Arlean Kelley 05/18/2009 All rights reserved.

Please feel free to send any questions. We will answer in the blog or else write or call you directly. Comments are welcome. There is a tiny envelope at the end of the blog where you can write comments for all to see. Contributions from other expats living in Latin America are also welcome. They are, of course, subject to editing.

Saturday, May 2, 2009

The Open Farmer's Market in Centro



Today (May 8, 2009) was market day in my neighborhood in Montevideo. Actually two days are market day in my neighborhood--Tuesday and Friday. Of course any day is market day if I want to go to the grocery store.

I don´t.

For those of you who ask about prices, today I bought the following. I paid pesos but will change value to dollars for comparison purposes. All of the following are fresh.











Pears 50 cents per pound
Oranges 50 cents per pound
Red delicious apples 60 cents per pound
Leaf lettuce 25 cents per pound
Spinach 25 cents per pound
Tomatoes 25 cents per pound
Tangerines 40 cents per pound
Kale 40 cents per pound

June 21, 2009

I have returned to Florida, U.S.A., for a few weeks. It is always wonderful to return to my home country. In addition, with the reversed seasons, winter had seriously set in in Montevideo--as seriously as it ever sets in. Wintering in Montevideo is similar to wintering in Central Florida.

After the cold, sometimes windy streets of Montevideo, the Florida heat and sunshine that many complain about was for me a welcome change. I have been back for two weeks and I am still soaking it up.

However, a few visits to the local grocery stores and I already miss the market in Montevideo with its lush, juicy and inexpensive tree-ripened fruit.

I suspect that since we are getting so much of our food now from outside the United States, it is picked green to allow for shipping time. Much of the fruit appears to be ripe and does in fact soften to what we would consider edible ripeness. But it is relatively tasteless compared to the locally grown produce that is available to us in Uruguay. I think that, if people in Florida are smart, they will plant fruit trees in their front yards instead of ornamentals. Why not plant something that produces something of value?

An organic vegetable garden in the back yard would also be a great idea!

©Arlean Kelley 05/08/2009 All rights reserved

We always appreciate your feedback. Please post your comments if our information has been helpful or if you have corrections or further information. Article contributions of others living in Latin America are encouraged, subject of course to editing. If you would like to subscribe to this blog, just send an email to newsfromlatinamerica@yahoo.com and we will add you to our mailing list. Likewise if you want to be removed from the list. We look forward to meeting you in person--in Latin America!









Labor Day in Uruguay



Yesterday (May 1, 2009) was Primero de Mayo in Uruguay.

Labor Day!

Little did I know.

Labor Day in Uruguay is a major, major holiday. I was here Easter. Most stores were closed. But the Internet places and quite a few restaurants were open.

But on May 1 the city shuts down. People in Uruguay just plain do not labor on labor day! Holidays in Latin America are times to spend with family and friends.

I had an appointment to meet a friend at 2 p.m. I waited at the bus stop on a strangely deserted street, wondering where all the buses were.

A young woman noticed me and asked in spanish , "You aren´t waiting for the bus, are you?"

"Yes," I said.

"There´s no bus today. It is necessary to find a taxi."

Well let me assure you that there were no taxis either. To be more accurate, I did find a few taxis. They were all parked in the parking lot at the city square with no driver in sight. Obviously the taxi drivers had also joined the festivities.

I called my friend to tell him I was stranded in Centro. Since he too is a transplant to Uruguay, he had forgotten it was Primero de Mayo.

When you join us down here in Latin America, I suggest that you pick up a calendar early and note the holidays. It might save you some unwelcome surprises AND some broken appointments.

In spite of the inconvenience of being able to accomplish absolutely nothing on a holiday, I like the fact that people in this part of the world have their priorities in place in many ways and business and money are not necessarily at the top of their list.

©Arlean Kelley 05/01/2009 All rights reserved.

We always appreciate your feedback. Please post your comments if our information has been helpful or if you have corrections or further information. Article contributions of others living in Latin America are encouraged, subject of course to editing. If you would like to be added to our mailing list, just send us an email to newsfromlatinamerica@yahoo.com. Likewise if you want to be removed from the list. We look forward to meeting you in person--in Latin America!

Tuesday, April 7, 2009

Opening a Bank Account in Uruguay



I was able to open a bank account with little effort today in Montevideo. I presented two forms of identification. One of them was my passport, which is required. The other one, my driver´s license from Florida, served as proof of address in the states. Much different from the three other banks I had already tried.

One other bank was willing to open an account but there were a few more requirements. So I went with the easier bank.

Although opening an account in Uruguay still is pretty easy if you find the right bank and fulfill their requirements, there are some things that it might help you to know.

Banking in Uruguay is in a bit of a state of flux right now. For years Uruguay has been known as the Switzerland of South America because of their reputation for safe, dependable banks and strict bank secrecy laws.

Uruguay does not, by law or practice, protect criminals. If someone appears before a Uruguay judge and produces evidence that someone is involved in criminal activity and may be hiding the proceeds in Uruguay, an investigation will be opened. But up until now they would not allow someone to go on a fishing expedition into your private matters without showing just cause.

However, offshore banks have been put under pressure in recent years and some are attempting to resolve the problems by refusing to deal with U.S. citizens.

Recently the Montevideo daily newspaper, El Pais, reported that the OECD put four countries on their black list for refusing to comply with OECD requirements to abolish their sovereign bank secrecy laws. Uruguay was one of those countries. The country faced being denied loans from the IMF, the ability to do business in the U.S., and was threatened with an embargo. They signed an agreement to comply.

Some Swiss banks had already been notifying their U.S. clients to withdraw their money and close out their accounts because they are no longer going to serve U.S. citizens. The Wall Street Journal, on April 8, 2009, reported that one Swiss bank, UBS AG, had barred certain bank employees from traveling outside the country in order to avoid arrest as the U.S. continues their attempts to force other nations to abide by their proscribed banking standards. So naturally banks are becoming more and more afraid to deal with U.S. citizens.
And more and more cautious when they do.

All of this makes one wonder what ever happened to respect for liberty and national sovereignty. The International Forecaster, a financial newsletter, reported in their March 18, 2009, issue that the Swiss have no intention of complying because they expect the whole financial system to implode before they
will need to. Who knows? Certainly I do not claim to. Probably it will take a little time to find out where all this is headed. AND more importantly, where it ends up!

But in my opinion. Uruguay is one of the safest countries for banking.

Here are things to consider.

Documented proof of the origins of money to transfer into your account is a serious issue. You can deposit a small amount with no problem. But they are very concerned about keeping on file documented proof of origin for larger amounts. It is not sufficient that the money is coming from an established account with another bank or brokerage. You need documentaton that can serve as proof of origin.

Therefore, as you are going through possessions, there are a few things you should make a point of hanging onto until you see if you need them.

If you have a closing statement from real estate or something like that, you are okay. Since some residential real estate sales in the United States have no tax implications if we lived there for two years, many of us have not thought it necessary to save settlement statements from those sales. If you are transfering money here that would correspond with the amount of such a sale, that settlement statement is just what you need. So if you come across something like that, don´t throw it away. Bring it with you. And if you threw it away and can somehow replace that documentation, try to do so. If you have several, bring them all.

Settlement statements from real estate sales are something they understand here. I can´t say the same for things like brokerage accounts. In fact, when I mentioned to one banker transferring from a brokerage account his response was "People in Uruguay do not understand about that."

So, to stay on the safe side for now, don´t throw away any of your documentation if there is a chance that it might serve to justify something that you just can´t justify otherwise. If you will be transferring money that you inherited, be sure to have that documentation with you. One person that I know who had inherited some money as a listed beneficiary on the bank account of a deceased relative was able to justify the transfer through a letter of verification of origin from the bank.

However, a word of caution here. Several have found that Bank of America will not write reference letters. Some banks in Uruguay require a letter of reference from your current bank. When I first heard of the refusal of BOA to write reference letters, I called my branch to verify that. They told me that they, in fact, were not authorized to write reference letters. I changed banks. I didn´t need a letter of reference at the time, but it was a matter of principle. To my thinking that was the least they could do for a long-time customer.

This week when I did need a letter from my bank I was glad I made the change several years ago. My branch of Suntrust has been absolutely great.

In all fairness to the bankers in Uruguay, I don´t think they want to make things difficult for their customers. I think that they are just doing what is required by the international banking cartel in order to keep themselves and their country out of trouble. Perhaps you can make it easier for yourself and for them with this extra information ahead of time, by being prepared when you come.

Following is a list of requirements for opening a bank account as presented to me by a top level Montevideo attorney who claims that he handles more immigrations into Uruguay than any other attorney--and probably does. I have added my own experience. And please, if any of you should have something to add, now or later, please do. There is a little envelope near the bottom of this blog that you can click on and post comments for all to see, or else just email me at newsfromlatinamerica@yahoo.com. We are all in this together and I would like to keep this information as current and accurate--and helpful--as possible.

Here is the attorney´s list in bold type with my own comments in parentheses and italics.

ID, passport is recommended

(The bank where I opened my account required two IDs, not just one. I used passport and driver´s license from the U.S.)

Proof of address--utilities bill

(My U.S. driver´s license served for proof of my U.S. address and my sales agreement for the real estate I am buying here served as proof of local address. However, in case you might decide on a different bank you might want to bring a utility bill from your U.S. address since some do require that. One other bank I considered did want a utility bill. I was up the creek on that one since I have no utility bills. They seemed unwilling to accept anything else.)

Bank reference letter from your current bank, plus one local reference from Uruguay.

(The lawyer who provided this list charges $150 to act as your local reference. I did not need a bank reference or a local reference. But one other bank I checked does require both a bank reference and a local reference. One banker here told me that if I had two bank references from the U.S. I would not need a local reference.)

I hope this information will make the transition to Uruguay a little easier. Things in Latin America are always subject to change and so, once again, please submit any additional information or experience that you might have or let us know about changes that you discover. It could be your opportunity to help someone else. Also if you have questions, don´t hesitate to ask. We don´t know all the answers but will certainly do our best.

© Arlean Kelley 04/16/2009 All rights reserved.
Please feel free to send any questions. We will answer in the blog or else write or call you directly. Comments are welcome. Just click on the "comments" below to write comments for all to see. Article contributions from other expats living in Latin America are also encouraged. They are, of course, subject to editing.





Thursday, March 19, 2009

Learning Spanish

"How could I ever live in Latin America when I don´t speak Spanish?"

In my experience, it really isn´t as big a problem as you think.

In most of the large cities in this part of the world there are people who speak at least some English. Both my attorney and my architect here in Uruguay speak excellent English. I found two banks so far in Montevideo where someone could speak English. And I have not checked all the banks.

So it isn´t as if you are unable to function if you never learn Spanish!

You can also find groups of English speakers here. In Montivideo there is a group that meets at around 1:00 every Sunday afternoon for lunch at the Old Maz Restaurant in the neighborhood called Pocitos. (Location has changed. See note at end of this article for new meeting information.) Many are from the US and Canada. One visits from Australia, and some are Uruguayans who come to practice and perfect their English. Since they have lived here all their lives they are a great source of infomation.

Old Maz Restaurant



We usually meet in an upstairs dining room that the restaurant reserves just for us. Once the group gets there it is sometimes not easy to get them to leave. I have been present when we were asked to at least move outside because the restaurant owner wanted to close! And then some of us usually walk the two blocks or so to the local ice cream store to take up residence there for another hour or two.



This is a friendly group that likes each other´s company. If you decide to come down and check out the territory, I assure you that you are welcome at the Sunday lunch at Old Maz. If you have questions, you will find someone there who can answer most, if not all, of them. Do you see that man a bit to the right wearing the red shirt? That is Glen. He started this group several years ago. If you do get to one of the Sunday gatherings at Old Maz, be sure to say hi to Glen and tell him I sent you! ;)

Having said all that, life will never be normal for you here unless you do learn the language. If you are in preparation stage for a move to our area, I suggest you use the time to learn as much vocabulary as you can before you come. It takes some self-discipline to invest time every day for spanish vocabulary, but you will be glad you did. It will give you a head start.

But with an attitude of adventure (which you already have or you would not be reading about living in a foreign country) it is not so difficult--in fact, in my opinion, it is fun.

There are a couple ways to do it. If you prefer a classroom experience, there are schools that aim to get you speaking Spanish quickly. They usually involve several hours a day of intensive training for relatively short periods. In the Old Maz group we even have a member who gives private Spanish lessons.

Or you can do it on your own. My spanish-speaking son advised me not to waste time at first on grammar. He said spend your time learning as much vocabulary as you can and you will be able to communicate much sooner. After you have the vocabulary, then you can work on grammar.

So I ordered a Spanish textbook like the one he had in college, Mosaicos, second hand from www.alibris.com. I paid less than $4.00. It even had a CD with it.

I was interested to learn that the reason this is called Latin America is because the language is almost pure Latin--hence, Latin America. Since other European languages, including English, are based on Latin, many Spanish words are easy to remember because they are similar to words that you already know, called cognates.

It is working for me. I am here alone in Montivideo right now and am able to communicate just fine without a Spanish class.

I am far from perfect. In fact, my son teases that I am "this woman that talks baby talk!" Sometimes the local people laugh at my Spanish, but it is good-natured laughter. I laugh too! Some of them go out of their way, if they see me, to talk with me in Spanish. And others who are trying to learn English will do the same because they want to practice. All in all people here are friendly and really want to be helpful.

I do have problems communicating with the owner of the hotel where I am staying. One day, joking with her a little about my inability to think of a word I needed to tell her something, I said, ¨Yo necesito una profesora!" (I need a teacher). She put her hand on her chest and said proudly, "YO soy profesora!" (I am the teacher.)

From that day on I have problems saying what I want to say to her because she is so busy being my profesora. She stops me mid-sentence to correct my pronunciation or my arrangement of words. She is encouraging and committed to teaching me . . . whether I want her to or not!

So I hope that you will not worry or be put off by the prospect of learning a new language. It is not the fearsome project you might think. People here will help you.

It will be a new experience. A new challenge to keep you young!

Note: Since this article was originally posted, Old Maz has closed down. However, the Sunday English Speaker's Meeting is still alive and well, still meeting from 1p.m. to 4p.m., but now the location is Fellini Ristobarretto at Jose Marti y Benito Blanco. All are welcome! For further information go to http://www.totaluruguay.com/montevideo/expats.html.

© Arlean Kelley 03/11/2009 All rights reserved.
Please feel free to send any questions. We will answer in the blog or else write or call you directly. Comments are welcome. Just click on the "comments" line below and write comments for all to see. Article contributions from other expats living in Latin America are encouraged. They are, of course, subject to editing. If you would like to be added to our mailing list, just send an email to newsfromlatinamerica@yahoo.com. Likewise if you want to be removed from the list. And we look forward to meeting you in person--in Latin America!

Shopping the Open Markets of Montevideo




Sunday is the day of the open market at Parque Rodo in Montevideo, Uruguay. It is huge. Entrepreneurs converge on the area en masse. They set up their stands and tents, arrange their merchandise and they are in business.

These are real Uruguayan businesses. Most of the merchandise is new and much is good quality. You can find leather goods, clothing, hats, boots, jewelry, school supplies, handcrafts and a very large selection of fresh vegetables and fruits. And on occasion even wild edible plants.

I bought some verdelago (or so the merchant told me) a few weeks ago because I have an interest in wild edibles. I bought it because he said it is good for salad. As we were leaving, just outside the market, lo and behold, was a grassy area with an abundance of beautiful verdelago growing, free for the taking. But the price I paid was worthwhile just to learn about the plant and what it is used for.

Verdelago


Does it look familiar? We used to have a ton of this in our vegetable garden. We pulled it out by the fists full and put it in the compost. We should have put it in the salad bowl! Little did we know!

Three blocks from my hotel a different market materializes magically every Tuesday and Friday morning, right in the street, shutting down traffic for three blocks. This one is limited mostly to food.

So if you live in my neighborhood in Montevideo you can buy your fish here . . .


your cheese, eggs, nuts, raisins and dates here . . .


flowers for your table here . . .




Your meat here . . .



And your fruits and vegetables here.


Here is a picture of one more market.





Yes, you´re right! It´s an honest-to-goodness grocery store. It is included just to assure you that Uruguay is a civilized country and if you really want a "normal" shopping experience you can have it here.

But I guarantee that it won´t be nearly as much fun! :)

Until next time . . . .

--------------------------------------

© Arlean Kelley 03/11/2009 All rights reserved.

Please feel free to send any questions. We will answer in the blog or write or call you directly. Article contributions from other expats living in Latin America are also encouraged. They are, of course, subject to editing.

From Uruguay Daily News

World Bank: Uruguay Better Prepared for Crisis
Posted: Wednesday, March 18, 2009 9:02 am


World Bank chief economist for Latin America and the Caribbean, Augusto de la Torre, said that although Uruguay is one of the best prepared countries in the region to face the international financial crisis, it will suffer in terms of trade. De la Torre said trade would suffer “in part because the world is contracting and in part because the country’s trading partners are having contractions in aggregate demand.” The World Bank economist said the government must be “proactive” to prevent higher unemployment. He predicted that if the crisis persists, there will be impacts on employment and household income in 2009.

Sunday, March 1, 2009

Saying hi . . . from Uruguay! :)



















Greetings once again. This time from the beautiful capitol city of Uruguay . . . Montevideo!

I know it´s been a while. One friend thought I had deleted him from my list because I had not updated for so long. The fact is my laptop died on this trip and everything must be done from a public (translated that means s-l-o-w!) computer, which has been a handicap. Particularly trying to work with photos.

But I am back to pass on information to you. Several of you complained about the absence of pictures in my last eletter. I excluded them because others had complained the time before because their computers would not open the file. So I had to do some research. I decided to move my letter to a blogspot site where I could include the pictures that some of you want. If it does not work for you, please let me know. I´ll work at it until I get it right.

You will recall that I started writing this eletter by request from friends who are interested in moving to a place that offers low-cost, high-quality living. And so, although travel is involved, this is not primarily a travel letter. It aims to deal with the nuts and bolts of exploring and living in this part of the world.

The City of Montevideo
Montevideo, with a population of more than 1.7 million, still feels like a small town. People are friendly, caring, sweet people. Not detached and disinterested or too busy to say hello--even to a stranger.

Just for example, recently I was waiting with my son, Matt, in line for a taxi. (That´s how they do it here, you wait in line.) It was raining and the young man ahead of us struck up conversation with us. He asked where we were going. We told him. He said, "I am going right by there. Come and go with me in my cab." And we did. I find this friendliness and caring attitude is typical of Uruguayans.

The architecture here is decidedly European. And so are the people. With my European ancestry, no one on the street can tell I am not a local unless I speak. I don´t stand out. As one travel writer has said of Uruguay, it is more European than Europe!

Part of this city is known as Ciudad Vieja, or Old City. It is the historical area of Montevideo. It is situated right on the Atlantic Ocean, but over the years, the area deteriorated into a slum. The old architecture is grand and beautiful. But the buildings were, and many still are, in serious disrepair. A lot of undesirable folks had taken up residence there. Although I feel safe in the daytime, I would be a bit apprehensive there at night.
Ciudad Vieja where much restoration has taken place.
















But the city fathers decided to restore the old area. As part of that program they offer a tax benefit to those who buy and refurbish the old buildings. So if you are into refurbishing real estate, and you like tax breaks, then come on down! It is interesting to wander through the city in the daytime, looking at the old, ornate architecture, and imagine what it was like in years past--the people who laughed and cried and lived and died there. What secrets the old city could tell us!

Here is one of the streets in the restored area.

















It is surprising that that part of the city fell into such disrepair since waterfront areas usually are the most expensive. Interesting though it is, I do not want to live there. Even though the old city is gradually improving, there are still quite a few people living on the street.


Aside from the Ciudad Vieja, the type of petty crime that exists in Argentina is minimal in Uruguay. I have seen an unattended cart in the local grocery store with a purse sitting in it, a car left parked next to a sidewalk, running, with the key in the ignition, and other signs that locals are not worried about crime. Things I doubt if you would see in Argentina--and probably should not do here for that matter! But people are not worried enough to be really cautious. I walk around downtown alone, safely, at any time of night.






















Throughout Montevideo, all day, you will see the recyclers driving their horses and wagons through the traffic-filled streets where they search through the trash for treasure. These are what you might call professional dumpster-divers!

Comparing Uruguay to ArgentinaArgentina is becoming more and more expensive all the time. I am not sure the reason. The last economic crash in Argentina was in 2001. Argentines claim that this happens to them about every ten years. There is now fear among Argentines that another crash may be in the making. Some people think that that fear is what is moving prices skyward—i.e., that it is a matter of perception. The Argentines experienced hyperinflation leading up to the 2001 crash, with prices changing every day. I don´t mean that when they woke up the next morning the prices were higher, I mean they would go up during the day. That is hyperinflation.

As Doug Casey, of The Casey Report, who invests and lives part of the year in Argentina, says, Argentina has the stupidest government in the world. But many Argentines believe that these crises are not the result of stupidity, but that they are engineered by the bankers and super wealthy who then move in and grab up the spoils. They have a Spanish name for it that I never can remember. I don´t know enough about Argentina´s economics or politics to have an opinion. Many savvy Argentines are too smart to get caught in the trap, if it is true. Their money is in Swiss francs or Uruguay banks.
Several Argentines have told me NOT to bank in Argentina but open an account in Uruguay for any “serious money” since Uruguay is considered the Switzerland of South America, with strict bank secrecy. (Addendum comment: The bank secrecy was changed with the 2009 OECD meeting. See Banking in Uruguay for details.) I happened to mention that advice to a lawyer in Buenos Aires. He looked alarmed and said, “Don´t ever say that to ANYONE! That is illegal!” And then he proceeded to tell me how to do it and said he could give me contact information for Uruguay banks!

I used to criticize how things are done in Latin America. I now think that in some circumstances, the savvy people learn how to survive and prosper in the situation they are in—the others get fleeced.

I don´t think this should keep anyone from living in Argentina. It has a lot going for it, and if you protect the buying power of your cash, perhaps you could snatch up bargains yourself if Argentina has another crisis.


Uruguay is not considered as exciting as Argentina. There are no ski slopes. In fact, as far as I know it never snows anywhere in Uruguay. There are no mountains. No real sightseeing attractions that I know of except for the beaches--which are fantastic. As one writer expresses the difference, Argentina vibrates. Uruguay, on the other hand, is laid back--tranquil. However, Uruguay is also more stable in many ways--particularly economically.


Other Cities in Uruguay






Thanks to a friend and reader who
graciously contributed this map.












We explored all the way up the Atlantic coast to Chuy, on the border of Brazil. I sent a list of real estate buys from that area, at the time, to those of you that I thought would be interested. The prices there are incredibly low. On real estate and everything else! I hear that Brazil is a good place to buy real estate. Houses are available there as low as $25,000 in good areas. Since Chuy is smack on the border with Brazil, that might influence the prices.
There are several small beach towns on the eastern seaboard that would be lovely for retirees who do not need to depend on business or work for survival. La Paloma is one. It is a small beach resort with an interesting lighthouse. Also Piriápolis is a beautiful beach town only 20 minutes from Punta del Este, and about one hour´s drive from Montevideo, one and a half hour´s ride by bus.

Punta del Este is the beachgoer´s mecca of Uruguay, frequented by visitors from Europe and some North Americans as well as latinos. At Punta, if you didn´t know you were in Uruguay you might think you were on Miami Beach. There are fancy restaurants, glistening high rise apartments and hotels and, of course, the beaches. I was there in January and everything was exceedingly crowded--and exceedingly expensive. It is beautiful, though, if you like Miami Beach type cities. As with most of the coastal towns, the economy depends on tourism, which lasts from December to March with some tourists coming as late as May or June. After that most of these places turn into ghost towns except for a few year-round residents. In January, Piriápolis was busy, crowded, and we had problems getting a room. When we did, it was expensive. But in February there was no problem getting lodging close to the beach and prices had dropped.

However, the ghost town effect in Piriápolis may not be permanent. There are many North Americans moving into the Piriápolis area in particular, as well as Punta and points further north toward Brazil. For a retiree who wants to be near the beach, and still close enough to Montevideo for doctor visits and other things, Piriápolis would be a quiet but beautiful location.


Climate

Weather in all of Uruguay is mild. It gets very chilly in Montevideo in winter. Seasons are reversed from the northern hemisphere. You could live in South America during the winter months of North America, and return to the north in May or June and have the best of both worlds. It is the middle of summer here right now. We have had some very warm days--but overall it is very comfortable. Beautiful days, in fact.


Real Estate, Medical and Other Costs
Although I am giving an overview here, I will add more details at a later time. But to begin--at the time this is written, you can buy a breachfront house in a small town in the neighborhood of $75,000 if you have time to wait and look around. Utilities are higher in Uruguay because they are not subsidized as they are in Argentina. As in other areas of Latin America, medical care is good and reasonable and I am told that Uruguay is fine for anything short of heart surgery, in which case you would want to go to Buenos Aires.
Also, believe it or not, in Montevideo doctors make house calls.

For my part, I canceled my supplementary Blue Cross Blue Shield insurance after my experience with the plastic surgery in Santiago de Chile after my fall. I now know where to go where I can afford to pay for medical care if I need it. And I seldom need it. I try to maintain a lifestyle that keeps me from having to resort to prescriptions. I don´t suggest this plan for everyone but it was my decision and I have been happy with it for about four years now. The extra money is handy! I do plan to get accident insurance once my physical address is here. Insurance companies will not write it if I have a U.S. address, which I still do. They will cover me in the U.S. if I happen to be there and need emergency care, but will not insure me if I live there.

 Real estate is still reasonable here. Of course the United States is where you find the real steals right now and I understand that in about two years they will be even better. But apartments and even houses are available here in Montevideo from the $30,000s and $50,000 range. I have seen only the ads so don´t know the condition. Probably they need work. Maybe a lot of work! There is no shortage of fixers here for the handyperson. I have seen studio apartments advertised in the $20,000´s.
If you want to check on real estate offered here, two sources that you could try are www.mediano.biz and www.gabinohome.com. You will find pictures, descriptions and prices that will give you an idea what is available. This is not intended as a recommendation. This is only local real estate agents and only to give you an idea what is available. As I have written before, as you read the ads, dormitorios means bedrooms, garaje is a garage, real estate is measured in square meters, not square feet. A parilla is an outside BBQ, usually made of concrete and-or brick. A jardin is a garden. A cocina is a kitchen. Terrazo is a patio. Also, when you look at the ads, if it says alquilar, that means for rent. Vende means sale. And if this is not sufficient, you can always resort to an online Spanish-English dictionary. If there is anything like an MSL listing here I have not found it. In fact, that could be a business idea!

One thing I notice about both Argentina and Uruguay. You do not have the feeling of enforcement. The police have a sweet, servant attitude toward the people on the street. I have never seen one with an authoritarian attitude. They are there to help people. In Viedma, Argentina, I smile when I see the police riding their bicycles through the street. And yet they are there, faithfully doing their job. But their entire attitude is one of oversight and protecting you rather than ordering you around. In fact, the entire feeling of enforcement is absent in both of these countries. And yet, for the most part, you are safe here although subject to petty crime, particularly, in Argentina. Of course one needs to use normal caution in any large city.

There is also apparently no enforcement regarding at least some drugs in Uruguay. I smell marijuana often on the street. Same in Argentina. I also noticed people sitting in doorways openly smoking pot. There is vocal statement of compliance with pressure from the United States, but in practice it apparently is ignored. I think there is a tendency here to "legalize" it whether formally or not. This is not a problem for me but I mention it in case it is for you.



If you decide to refurbish real estate, there are requirements if you change the structure of the building. But according to the lawyer I consulted in Montevideo, you are perfectly welcome to do the work yourself.


Economy
Uruguay is almost all arable farmland. It is gently rolling with little streams that run like veins through the country. Most of the population lives in Montevideo with the balance spread through the farm areas and the beach towns.

Tourism is a major industry. Much of it is Europeans who vacation on the beaches on the Atlantic side. But for the most part it seems to me to be people from Brazil, Uruguay, Argentina and Chile.

I am not sure how Uruguay will fare in the financial meltdown directly ahead. Europe is extremely damaged financially as their governments, retirement funds, etc., are heavily invested in the worthless debt sold off to them by the Henry Paulsons of the world--who was at the helm of Goldman-Sachs, one of the biggest offenders in packaging, mislabeling and selling toxic debt around the world. So I suspect that tourism from Europe and America will be greatly curtailed. Which leaves farming. Countries whose major product is commodities are expected to not fare as badly as the more industrialized countries, like the United States.
Uruguay´s biggest trading partner is Brazil. Brazil is also a farm and natural resource country expected to be less affected by the meltdown for that reason. BUT . . . Uruguay´s second biggest trading partner is the U.S. So it seems to me Uruguay will feel the effects. Maybe seriously. And yet they produce mostly food, and people always have to eat. As far as I can determine, they were not big participants in the toxic debt tranches.

One more bit of information for my friend who always wants to know about firefighting in these countries. I almost never see a fire truck in the streets of Argentina or Uruguay. You see the bombero stations, so they are here. But most of the buildings are concrete. Even the roofs are concrete. A fire could start in a mattress or drapes on the inside but I think it is not likely to get very far. There really is not a whole lot of carpet in the buildings here. Most of the floors I see are tiled. So not much to report on that score. Chile is another matter. Almost everything there is wood and every time I have spent time in Chile, I have seen fire engines racing to a pillar of smoke rising somewhere in the city. But not in Argentina or Uruguay where construction is mostly non flammable.
For those of you seriously considering a move to a less expensive country with great quality of life, Uruguay would be one of the major countries in Latin America that I would recommend considering. In fact, I am considering staying here myself. But if you are going to do it, it might be a good idea not to put it off for too long. If you are from the United States, now is a good time, while the dollar still has purchasing power.

© Arlean Kelley 03/11/2009 All rights reserved.
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