About Rewired and Retired in Nicaragua

I am a boomer economic refugee living the good life on Ometepe Island, in the middle of an enormous lake, in the middle of Nicaragua, in the middle of Central America.

Home Invasions with Pork Legs!!!

“She wanted more, more slang, more figures of speech, the bee’s knees, the cats pajamas, horse of a different color, dog-tired, she wanted to talk like she was born here, like she never came from anywhere else”
― Jonathan Safran Foer

I am not a fluent conversationalist in Spanish, but I consider myself to be a fluent listener. When local slang words or colloquialisms trip me up while listening or reading Spanish, I become curious about their origins. It is kind of like one of our colloquialisms in the states; Why do we call the box in the dashboard of our cars a glove compartment?

This morning in La Prensa, there was an article about home invasions in Granada. I was so tickled I posted the conversation on Facebook.


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Weekly Photo Challenge: My Beacon of Home

The Weekly Photo Challenge is Local.

“There’s no limit to the human capacity for the homing sentiment.”
~ Edward Abbey

Like a beacon, our Concepcion Volcano on Ometepe Island is my guide home.

From the bell tower in Granada, Concepcion shows me the way home.

img_8374Concepcion volcano points the way home from the ferry in San Jorge.
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Weekly Photo Challenge: Life Watching the Water

The Weekly Photo Challenge is: H2O

“It is life, I think, to watch the water. A man can learn so many things.”                    ― Nicholas Sparks

Living on an island in front of the 11th largest fresh water lake in the world, I have learned so many things.

The ferries are our umbilical cord to the mainland. I have learned to tell time by watching them pass by our front door daily.
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An Update on Our Plunge Pool

I’ve done my water therapy exercises for my knee at La Punta Resort. But we have had many afternoon thunderstorms just as we are getting ready to leave for the pool. So, we filled up our plunge pool so I can do modified knee exercises.

The last time I wrote about our pool, we had started on the landscaping. These stone pathway forms are wonderful for a small patio, garden paths, and even a driveway.
landscaping-around-poolThe finished patio gives us easy access to the pool and keeps the dirt from accumulating in the pool.
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Weekly Photo Challenge: Living a Life of Nostalgia

The Weekly Photo Challenge is Nostalgia.

Living on Ometepe Island, Nicaragua is tranquilo and nostalgic. It is like living in the 1950’s where the quality of life and cultural values are revered. I see happy everywhere with  neighborhood communities reminiscent of my childhood.

Bicycling vendors sell ice cream and fruit cups from their carts.
img_1255A traveling bra salesman even sold me a bra while I was cleaning my beach! I never have to leave home. Vendors selling bread, nacatamales, vegetables, pots and pans, and herbs pass by my house daily.

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Let’s Get Real About Transparency and Donations

“Truth never damages a cause that is just.” ― Mahatma Gandhi

There has been a lot of talk about transparency in the political arena lately. However, my post is focused on transparency in giving. How can you be certain that your donation will serve others and not be used for administrative purposes? Can you earmark specific donations to an organization that has a tax-deductible status? What are the best crowdfunding and fundraising websites? And, how can you be certain that your donation to one of the crowdfunding websites will be used appropriately?

I’ve researched the best way for me to solicit donations for my little La Paloma Library in Nicaragua. I’ve debated on whether to apply for a 501(c)3 tax-exempt status or continue as I have been, seeking small donations through fundraisers and crowdfunding websites.

I am preparing for the future because what will happen to my little library if I move off the island, travel more often, or return to the states? Can it survive without me? I’ve invested my money and time in developing a comprehensive program to meet the needs of the teachers and the students. It is my legacy. So, in preparing for the future, I want to leave a program that will last beyond me with solid plans and financial support.

So, Let’s Get Real about Transparency and Your Donations…

I. Everything you need to know about your donations to a 501(c)3 tax-exempt organization

This section gives me a headache! First, you have to determine if an organization is a charitable organization with a 501(c)3 tax-deductible status. According to the IRS tax-deductible donation rules:

The 501(c)3 groups receive the major part of their support from the public rather than from a small group of individuals. They also use the bulk of donated money to further their stated exempt-organization goals. The 501(c)3 groups include churches, hospitals, schools and groups that provide disaster aid, such as the American Red Cross, the Salvation Army and similar organizations.

If you would like to earmark your donation to be used for a specific purpose, it is important to know that charitable organizations welcome recommended designations, but that all gifts go to the organization and are subject to its control and final discretion. 

When a 501(c)3 organization receives a charitable gift the organization is required to submit a written receipt to the donor stating (1) the donee organization has ultimate discretion over the destination of the contributions; (2) a confirmation that the donor intends for the organization, not the individual, to be the gift recipient; and (3) an acknowledgment of the donor’s preference to support a particular individual.

The last point is ambiguous in this area of giving because qualified organizations must remind donors that improperly earmarking gifts may compromise the deductibility of the donation.

For example, if an individual wanted to make a monetary donation to my library, I could partner with a 501(c)3 charitable organization so the gift could be tax-deductible. However, there is no guarantee, according to the IRS laws, that an earmarked donation will be used for my library.

This is where transparency is needed. All donors to a 501(c)3 organization must receive a written receipt of their donation as well as be informed that the charity has the final say about where the money will be used.

It is too complicated for me, a one-woman operator. I can’t see the advantage of partnering with a 501(c)3 organization because of the excessive requirements by the IRS with no guarantee that my library would receive earmarked donations. And because of the tangle of bureaucracy involved in becoming a 501(c)3 organization, I would rather keep it simple. In addition, many of my donors are foreign donors whose donations are not tax-deductible because it only applies to U.S. citizens.

Tax Deductible Donation Rules

Fuego y Agua donations for my library and the La Paloma Elementary School.

La Paloma Elementary students check out the new book donations.

II. Crowdfunding and fundraising websites

Crowdfunding websites allow individuals and businesses to solicit donations for any kind of project by accessing a large number of potential donors. There are advantages and disadvantages to using crowdfunding websites and the potential for abuse is always a concern.

Best Crowdfunding Sites for 2016

I have used YouCaring to Help Los Ramos Rebuild after a devastating landslide that destroyed their community and for donations to support The Divine Women’s Soccer Team.

Transparency in seeking donations on a crowdfunding website is important. I believe it is imperative to respond to each donor, to be specific in how their donations will be used, and to be open, honest, and accountable for  the money spent.

For these reasons, I always write a blog post with photos about how the donations have been spent and help the recipients of the donations write a letter or make a video thanking the donors. Goodie Bags for Los Ramos    Los Ramos Says Many Thanks

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Weekly Photo Challenge: My Quest for Cultural Diversity and Immersion

The Weekly Photo Challenge is Quest

“Our ability to reach unity in diversity will be the beauty and the test of our civilization.” ― Mahatma Gandhi

This is a perfect photo challenge for me because my blog focuses on cultural diversity and cultural immersion. My quest for cultural diversity and cultural immersion plopped me smack dab in the middle of an all Spanish-speaking community in the middle of Nicaragua, in the middle of a giant sweet sea, in the middle of Central America.

What have I learned in my quest for cultural immersion in Nicaragua?

I’ve learned that there is significant diversity in religious beliefs and practices. As a result, I am more informed, tolerant, and appreciative of various religions. I feel a deeper and thoroughgoing appreciation of the different religions; their infinite variety becomes a source of fascination and enrichment for me.
img_1291I’ve learned that children are children throughout the world. They all want to belong, to be loved, and to be appreciated for their unique qualities.
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The Best Water Therapy Resort on Ometepe Island

“The water doesn’t know how old you are.” ― Dara Torres

I’ve started water therapy exercises for my knee. I love the feeling of freedom walking in the water. Although we live on the beach and have a plunge pool, neither are suitable for water therapy exercises. We’ve been going to Moyogalpa to swim and exercise in the Hotel Nicaraus pool. Yesterday, they told us that they were going to drain the pool and repair it. Time to look for another pool close to our house.

Hotel La Punta is our new hot spot located a short five-minute drive from our house at Punta Jesus Maria.

img_1570The hotel recently opened, but it is the slow season. Today we had our own private resort.

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How to Avoid ATM Fees When Living Abroad

“Folks don’t carry money around in their pockets. They’ve got to go to an ATM machine, and they’ve got to pay a few dollars to get their own dollars out of the machine. Who ever thought you’d pay cash to get cash? That’s where we’ve gotten to.”~Bill Janklow

banpro-1Twelve years ago, we had to go to the mainland to take money out of an ATM. The first time we took our neighbor kids to Rivas, the ATM machine impressed them the most. They were amazed at the small cool room, and it really blew them away when money came out of a hole in the machine. When they told their Papa about the miracle they saw in Rivas, he asked us if he could get a card for the money machine, too.

Today, we have at least five ATMs to choose from in Moyogalpa. However, our MasterCard debit card from our bank in the states is only accepted by one bank and one private ATM at the Mega Super grocery store. Recently, our bank sent us new debit cards with the digital chips. Now, the only bank that accepts our chipped debit card is BAC.

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How to Get Absentee Ballots for U.S. Citizens

I am reblogging my post about how to get an absentee ballot when you live abroad. This is an important election in the USA. Remember to vote. And send your absentee ballot early.

Rewired and Retired in Nicaragua

Voting-Quote-1My husband and I have always exercised our right to vote in local, state, and national elections. Even as expats, we continue to vote for we believe that “the ballot is stronger than the bullet.”

With important elections in the United States now upon us, I want to explain our process of receiving absentee ballots and voting from Nicaragua.

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