As Much Money and Life as You Could Want!

“As much money and life as you could want! The two things most human beings would choose above all – the trouble is, humans do have a knack of choosing precisely those things that are worst for them.”
― J.K. Rowling, Harry Potter and the Sorcerer’s Stone


IMG_5788What would you do if money wasn’t an issue? If you live abroad in a developing country like we do, would you move? Travel more? Buy a big house and a new car? Start a charity? Pay off college loans?

We initially moved to Nicaragua because we could retire early from our teaching positions with small pensions. Nicaragua is affordable and we could live easily and simply on a fixed income. I nicknamed us “Economic Refugees” because we could never afford to retire early on fixed incomes and stay in the U.S. Money mattered in our decision to retire in Nicaragua.

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Pros and Cons of Living on an Island

“Every man is an island, and every heart seeks the ferry to cross the main…”
― Mykyta Isagulov


Sunday evening, I was invited to speak with a group of women from Finding My Place, a travel agency for women who want to explore living abroad. It was a lovely gathering with well-traveled women who are exploring Nicaragua as a place to hang their hammocks. Many of the questions they asked revolved around the pros and cons of island life. Below are some of the things we discussed, which may be of interest to you, too.

Islands are slow and far away from many distractions. Ometepe Island, Nicaragua is no exception. Island living is not for the faint of heart, yet the rewards are many, tranquility is abundant, and our lifestyles are simple.

Pros of Island Life

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Guess Who Came to Dinner?

doctorsMarina was diagnosed with Hashimoto’s Disease over two years ago. Her journey through this condition led her to a public healthcare surgeon in Managua, who removed her diseased thyroid in two operations a year apart. Gloria, her daughter, brought the diseased thyroid home in a plastic cup for all to see before taking it to a private clinic for a biopsy report.

I shook my head in disbelief.

What kind of pubic health system allows patients to bring a diseased body part home, then asks them to pay a private clinic for a biopsy report?

For Ron’s birthday, we decided to make a North American meal for 15 of our Nicaraguan friends and neighbors. Marina said, “My surgeon and his family are vacationing at my house for a week. Can they come, too?”

“Of course,” I replied. Again, I shook my head in disbelief.

Why would a surgeon want to spend his vacation in a humble abode of a patient instead of a fancy hotel? “Aren’t all doctors rich?” I asked Marina.

What I learned about the public healthcare system in Nicaragua will surprise you.


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The Bottom Line: Budgeting for Retiring Abroad

“Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” –Joe Biden


One of our biggest challenges in planning for retirement abroad was creating a realistic budget before we jumped into a new life. After our ‘pretirement’ experiment in Nicaragua in 2004-05, we set a goal to become financially independent. Many articles have been written about adjusting and assimilating into a different culture, but few articles stress the importance of financial planning before making the big jump.

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Travel Theme: Numbers

“[When asked why are numbers beautiful?]

“It’s like asking why is Ludwig van Beethoven’s Ninth Symphony beautiful. If you don’t see why, someone can’t tell you. I know numbers are beautiful. If they aren’t beautiful, nothing is.”
― Paul Erdős

Weighing fruits in a market in Mexico


I’m counting on you to continue! More numbers ahead.

Weekly Photo Challenge: Good Financial Habits…don’t exist in Nicaragua

This week’s Photo Challenge is Habit – stuff of the everyday, places we go, things we do, people we see.

IMG_3813This is our electric bill attached to our fencepost. Last month, when the electric man came to our house to cut off our electricity…AGAIN…I said, ” What happened to the bicycle deliverer this time?” You see, as hard as I try to be efficient and pay our bills in a timely manner…it’s almost an impossibility on Ometepe Island because good financial habits that I have developed throughout my lifetime don’t exist in Nicaragua.

The first time the electric guy came to our house to cut off our electricity he told me, “The fat guy on the bicycle quit delivering the bills.” In the ‘land of the not quite right’, even though we never received a bill, it was our duty to pay in a timely manner. So, Ron raced off to town on his motorcycle to pay our electric bill, while I entertained the electric shut off guy on my porch and taught him a few English phrases like efficiency, good financial habits, pay bills online, and I am never late paying my bills.

This time, the new electric bill delivery guy was afraid to deliver the bill to us because he didn’t speak English. “Oh my Lord…just tell him to hang it on the fence,” I said. And so, coming home from paying our other bills in town today, the electric bill was posted happily and fearlessly on our fencepost.

IMG_3811Let me explain the Latin logic in our bills. The big stack of receipts…over 3 years of receipts (in the picture on the right) is our Claro internet bill. We didn’t have residency when we wanted the internet at our house, so a friend of mine who had residency used her information to get us the Claro internet dongle. Every month, I have to go to the office to pay the internet bill and every month he asks me, “You are Betty?” At first, I tried to tell him that Betty passed away, and it was my internet bill. But, when he said, “Muchas gracias, Betty” after I paid the bill, I thought… what the heck. I’ll be Betty for the rest of my life as far as Claro is concerned.

The confusion at the Claro office started when I got the Claro phone plan with my residency card. I pay the bills on the same day. “Muchas gracias, Betty,” he said when I paid my internet bill. “Muchas gracias, Deborah,” he responded when I paid my Claro phone bill. I think they are humoring me and suspect that they are dealing with a loca gringa with dissociative identity disorder.

Good financial habits don’t exist in Nicaragua. Very few bills can be paid online…only my SKY satellite TV bill…and that’s from Mexico. The electric company is the only one that delivers the bills from house to house on a bicycle…no mail service here. For the other bills, we play the game of seek and pay. First, we have to find the stack of old receipts attached to the original contract, then pay them in the right office.

It really becomes tricky if we can’t find the stack of stapled receipts because the electric and water bill aren’t in our names. We tried to change the bills to our names…but don’t get me started on that fiasco…which involved Spanish words like abogado ( lawyer), escritura (our property title), and mucho dinero ( much money).

Maybe I really have developed dissociative identity disorder? Paying bills in a fiscally responsible way in Nicaragua is a habit I’ve had to break. It’s the only way to stay sane in the ‘land of the not quite right.’


Retirement and Good Living Article

I was asked to write a short piece about our lives on Ometepe Island for a website Retirement and Good Living.  You can check out the article here. The Retirees and the Volcano.

I have to add that I love blogging. I have met so many wonderful people through my blog. Thanks to all my friends, old and new, who have enriched my life beyond my wildest dreams.


Helplessly Mute: A Trip to the Dentist

“Blessed are they who hold lively conversations with the helplessly mute, for they shall be called dentists.”
― Ann Landers

We’ve been searching for professional and trustworthy dentists in Nicaragua for three years. Finally, after excellent recommendations from several friends in Granada, Nicaragua, we found the perfect couple to attend to our dental needs.

Ron had major teeth problems and I needed a thorough cleaning. So, we contacted Dr. Erwin Esquivel Chavez through an email for an appointment. He responded the same day and set up appointments for our dental exams.

IMG_3759Meet the dentists: Dr. Erwin Esquivel Chavez and his wife Dra. Ximena Urbina Ordoez
Website: Clinica Dental Esquivel-Urbina
Office Phone: 2552-0664
The oral surgeon,Dr. Gilberto Martinez, aka TITO,
comes every Friday.
IMG_3760Dental Tourism is growing in Nicaragua. Dr. Erwin specializes in oral rehabilitation and implants. His wife, Dra. Ximena specializes in root canals.

State of the art dentistry at its best. Modern, sterilized equipment is provided for every procedure.
IMG_3762Gentle care: Dr. Erwin cleaned my teeth for over 1 and 1/2 hours. He took 5 x-rays and showed them to me immediately on his computer screen. He stopped often to ask if I felt any sensitivity. When my fingers started playing Fredric Chopin’s Polonaise (over the stereo system), he stopped suddenly, concerned that I was in pain. “Not at all,” I said, “I used to play this on the piano.” He was impressed…lol…because it is an extremely difficult piece to learn.
Ron had five teeth extracted by the oral surgeon. Next, he has to decide whether to get implants or partials. Where else can one sit in the office, watch the step-by-step extraction with a detailed explanation of everything in fluent English, and receive HUGS after it is over?


I asked the dentists if they are required to have liability insurance or malpractice insurance and they said that Nicaragua doesn’t have anything like that. So, the savings are passed down to the patients.
1. Teeth cleaning: $45
2. 9-10 x-rays:     $100
3. tooth extraction: $60
4. Ron had 5 teeth extracted, injections to numb his mouth, and stitches: $300 for all of his dental work.
5. Antibiotics and pain pills  $15
total: $460 for both of us
If he wants implants, they will cost $1,200 each for everything. For a partial denture: $300
Nicaragua is generally a cash only society, and the dentists were no exception.

If these same procedures were done in Tennessee, I calculated the cost using this website:
Dental Cost Calculator in the United States

1. Teeth cleaning     $84.71
2. single x-ray          $17.34                 for 10 x-rays    $170.34
3. Tooth extraction   $ 126.82             each additional tooth  $131.87
for 5 teeth  $ 654.30
4. Initial surgical consultation    $84.71
5. antibiotics and pain pills        $80

total:  $1,074.06

One Implant Placement:  $2,407.31
Partial Denture:                $1,544.97

We could have shopped around for a good dentist that would have been considerably less money. For example, Ron went to a dentist in Rivas and had a tooth removed. It cost $25. But, for the comfort, sterile environment, modern equipment, and dentists who speak fluent English, it was worth the extra money. They were wonderful and I would recommend these dentists to anyone seeking dental procedures. In fact, after our first appointment, we stopped at a main street cafe…a very touristy area. Two groups of people overheard us talking about the dentists and came over to our table to ask us more questions. Did I ever tell you how much we love Nicaragua…even when we are helplessly mute!

Also, see my new friend’s blog article Holes in the Head about her experience with these dentists.

How Long Would You Work for a Jar of Pickles?

At the current $7.25 an hour, the federal minimum wage has become a poverty wage. A full-time worker with one child lives below the official poverty line.
Bernie Sanders

Yesterday, we hit the jackpot when shopping in Rivas, on the mainland. For the first time in Nicaragua, I found a jar of whole dill pickles, French honey mustard, and Snyder pretzels. Today, I received my first Social Security deposit. I’m officially old and lovin’ every minute of it. Yet, both of these events got me thinking about the poverty level in Nicaragua.

Do Nicaraguans think they are poor or do we, who were born into a capitalistic society, only perceive Nicaraguans as poverty-stricken? Do Nicaraguans prioritize their lives around how much things cost? To help answer my philosophical ramblings, I asked myself, how long would a Nicaraguan have to work for a jar of dill pickles?
pickles copyOn the average, a full-time Nicaraguan employee earns 100 cordobas a day. That’s the equivalent of $4 a day at the current exchange rate. My jar of dill pickles cost 135 cordobas, which means the average Nicaraguan would have to work more than a day to buy a jar of pickles.

To put this into perspective, a minimum wage worker in the states would have to work about 42 minutes to buy a jar of pickles. Of course, pickles are a luxury item here, so the cost is much higher than in the states. My neighbor kids love mayonnaise. They beg for mayonnaise when they come to visit because it is pricy and out of reach for most wage earners in Nicaragua.

Honestly, I seldom look at the prices of most food items in Nicaragua. We buy very little processed food, but there are certain treats like peanut butter, mayonnaise, pretzels, chocolate and pickles that we enjoy when we can find them.

Out of curiosity, I’ve compiled a list of how long a Nicaraguan would have to work for various items that we normally think nothing of purchasing.

One day of work would buy: 100 cordobas or $4.00
1. 1 jar of mayonnaise
2. one giant Hershey bar
3. A week of telephone minutes ( depending on how long one talks and if calling a Moviestar phone from a Claro phone)
4. 4 pirated DVD movies
5. 4 bottles of Tona beer
6. almost a jar of pickles

One week of work would buy: A work week is 6 days. 600 cordobas or $24
1. A month’s Claro internet plan for a dongle modem
2. 3 jars of peanut butter…very expensive in Nicaragua
3.  A tank of gasoline for a motorcycle
4. A cloth hammock
5. 2 bags of cement

One month of work would buy: About 3,000 cordobas or $120
1. Rent under $120 a month for a small house.
2. One double mattress thick and padded
3. A used bicycle
4. 4 baby piglets
5. Two taxi rides to Managua from Rivas

One year of work would buy: 36,000 cordobas or $1,440
1. A cheap Chinese motorcycle
2. A refrigerator, a washing machine, a bottle of propane, and a small two burner cook top.
3. 2 rt airline tickets to Miami , plus the cost of the visas
4. A manzana of land for grazing cattle on the volcano
5. 2 fiberglass canoes

Compiling this list put a lot of things into perspective for me. Now I understand why the prices for most furniture, appliances, electronics, and vehicles are listed first in monthly installments with the full price at the bottom. Most Nicaraguans buy on credit with little understanding of interest rates. Usually, they will buy an item on credit, and if they can’t make the monthly payments, the repo man visits. The repo men are very busy in Nicaragua.

Now, I understand why most young families live with extended family members. Who could afford to rent a house? Even on Ometepe Island, where the rental prices are still reasonable, a small house with a tiled floor, one bedroom, and a flush toilet will run about $150 a month unfurnished.

Now it makes sense to me why mayonnaise is “rico” and gallo pinto for breakfast, lunch and dinner is the life force of Nicaragua. I can see why they cook with wood instead of propane because a bottle of propane costs about $15.

Now, I understand why the Nicaraguans barter, beg, or steal. They are their best when bargaining for a good deal. It’s accepted practice to never take the first price offered. In fact, it’s a performing art to watch the thrifty Nicaraguans bargain.

Now it makes sense why most Nicaraguans live a stress-free life and why making money or getting rich is not a main goal in their lives. I understand why they don’t have a clue about budgeting because they live day-to-day with little extra money to budget.

Finally, I understand what it is like to live like a Nica. Money is not high on their list because they have so little of it. They creatively make do with what little they have. They work hard, play hard, and laugh often. They don’t think they are poor. Their birthplace determines their future, and in my opinion, it has little to do with money. They prioritize their purchases depending on immediate needs, not wants. If their basic needs are met, then they buy luxury items on credit, or barter and bargain for them. Do I think the Nicaraguans would work a whole day to buy a jar of dill pickles? Not a chance!