Let’s Get Real About Consumer Protection Rights in Nicaragua

                                  “Debt is the worst poverty.” -Thomas Fuller                                                                                       

When we were shopping for appliances in Nicaragua, I didn’t understand the prices that were displayed. All I wanted to know was the total cost of a refrigerator, but instead the prices were listed in monthly installments on stickers that must have been glued on the appliances with super glue because they were impossible to remove!


It didn’t take me long to figure out that the majority of Nicaraguans can’t afford to pay the total cost upfront. Not only is credit “king” in Nicaragua, but the lack of consumer protection, the outrageous interest charged to buy on credit, and the lack of education about consumer rights in Nicaragua combine to make the worst poverty.

So, Let’s Get Real About Consumer Protection Rights in Nicaragua. (or the lack of them)

The first Consumer Protection law for Nicaragua was passed in 2013. Below is the link for the law in Spanish.
Law 842: Law of the Protection of the Rights of the People who are Consumers and Clients

Continue reading


Let’s Get Real About When Tourism Can Kill

Screen Shot 2016-04-29 at 9.36.21 PM
Warning: This is a rant. No beautiful photos of dreamy sunsets will go with what I have to say. Yet, I have to get this off my chest…When irresponsible and uncontrolled tourism leaves a wake of destruction in its path   It. Isn’t. Pretty

The truth is that irresponsible tourism can kill. It kills unsuspecting people, cities, small towns in pristine places, and our fragile environment. It kills morale and self-confidence, replacing them with fear and denial.  In its wake, it leaves us bewildered, confused, frustrated, afraid, and angry…oh so angry.

Irresponsible tourism affects everyone from the locals who are displaced to the business owners to the foreigners who have chosen to retire and live abroad. It affects us in Nicaragua and we are all responsible for the consequences of our irresponsible actions. No one gets off the hook easily…not anymore.

Yet, exposing the dirty side of irresponsible tourism in Nicaragua is a big NO! NO! Those who are courageous enough to speak out are harassed, shunned, and/or blocked from expat forums. Why? Well, I suspect a number of reasons, the biggest reason is economic. Responsible and sustainable tourism can provide direct jobs to the community and indirect employment generated through other industries such as agriculture, food production, and retail.

Responsible tourism can bring about a real sense of pride and identity to communities. By showcasing distinct characteristics of their ways of life, history and culture, tourism can encourage the preservation of traditions which may be at risk of losing their unique identities and cultural heritage.

Nicaragua relies heavily on tourism. Visitor expenditure generates income for the local communities, which can lead to the alleviation of poverty. The benefits of responsible and sustainable tourism are great, yet what about the problems that irresponsible tourism brings and how do we solve those problems without creating an awareness of them first?

I have written about the Codes of Responsible Travelers and I think that if we are responsible travelers we are aware of the effect we have on the places we visit. Yet, there is another side of tourism that is rarely discussed. What responsibilities do the locals have, the business owners, the local government, and the foreigners who have chosen to live in the high tourist areas? Do we escape accountability for when bad things happen?

I have given this much thought, and although I do not have a business in Nicaragua, I see the effects of the good and the bad practices daily. In discussing my thoughts, I want to make sure it is presented in a context where I don’t place anyone on the defensive or create emotional turmoil. I read about the problems on expats of Nicaragua forums, and I talk with many local and foreign business owners. These are only my thoughts on the problems. I place no blame on any group, but I think it is time that we ask ourselves some important questions to help our tourist communities be safe, enjoyable, and unique places for tourists to visit.

With the influx of foreigners moving to Nicaragua and starting businesses, are we loving Nicaragua to death? So….

Let’s Get Real About When Tourism Can Kill with six important questions we should ask ourselves as expats.

Continue reading

Let’s Get Real About Gun Ownership in Nicaragua

UGH! I am so frustrated with the politics in the United States over gun-control. I am not sure what can be done to stop the massacres in the U.S. So, I did a little research on where are the world’s guns and which countries have the highest rates of firearm murders.

Piecing the information together, thanks to Gun Homicides and Gun Ownership listed by country, gave me a better perspective of Nicaragua and where it stands in relation to  other countries in the world.

Let’s get real about gun ownership in Nicaragua. What are the laws, the procedures, and reasons to own a gun in Nicaragua?

The average total of all firearms in Nicaragua is 350,000. The average number of firearms per 100 people is 7.7.
Screen Shot 2015-10-03 at 8.29.51 AMThe average homicide by firearm rate per 100,000 people in Nicaragua is 5.92.
Screen Shot 2015-10-03 at 8.32.11 AMThe percentage of homicides by firearms in Nicaragua is 42.1% or 338 firearm homicides.
Screen Shot 2015-10-03 at 8.33.37 AMThe information from this article tells me that the U.S. has the highest rate of gun ownership in the world – an average of 88 per 100 people own guns. Nicaragua’s rate of gun ownership per 100 people is 7.7… which is considerably lower than the U.S.

The U.S. does not have the worst firearm murder rate in the world. Honduras wins the prize with a staggering 68.43 murder by firearm rate per 100,000 people. Nicaragua, which shares a border with Honduras, has an average of murder by firearm rate of 5.92 per 100,000 people. This indicates to me that Nicaragua is one of the safest countries in Central America and they must be doing something right to halt gun violence.

What are the laws of gun ownership and the procedures for registering a gun in Nicaragua?

Thanks to Darrell Bushnell ( a U.S. expat living in Nicaragua) and Paul Tiffer ( a Nicaraguan lawyer) this article explains everything you need to know about Registering Firearms in Nicaragua.

One overlooked item in this list by many countries: certification by a psychologist or a doctor to prove that the applicant is mentally and physically able to carry and handle a weapon.

An expat friend bought a gun in Nicaragua and registered it according to the laws of Nicaragua. His psychological examination was done in Spanish with a certified psychologist.

I understand that gun-control and registration vary from state to state in the United States. However, it is of my opinion, that if the federal government enacted a law that specifically required a psychological and physical examination for prospective and legal gun owners,  then we could better track the people with mental illnesses applying for and/or registering already owned guns. This appears to be a practical solution to reduce gun violence in Nicaragua.

I also find it interesting that a gun must be concealed at all times in Nicaragua. There are no special licenses for concealed weapons.

Why do people own guns in Nicaragua?

First, the majority of Nicaraguans do not own guns, at least not legally registered guns as reported in the statistics. How would one find the number of illegal guns possessed throughout the world? They can’t gather statistics on guns that aren’t legally registered.  The population of Nicaragua is 6.17 million people. The average total of all firearms in Nicaragua is 350,000 with the average number of gun owners being 7.7 per 100 people.

Guns are expensive to buy in Nicaragua. The registration and licensing procedures are time-consuming and expensive for the average Nicaraguan. 48% of the population lives in poverty and 40% of the population lives on less than one dollar a day.

Nicaraguans cherish their machetes. They use their machetes for work, for protection, and for safety. They are cheap and readily available. Now, if I could find homicide rates by machete for Nicaragua, I suspect they would be very high, certainly higher than homicide rate by firearm.

What do responsible gun owners do with their guns? I really don’t know the answer to that because there are so few people that I know who own guns on Ometepe Island.  Our expat friends who have legally registered guns use them for protection. We have a pellet/BB gun that we use for shooting rats in our garden. I only know of one incident where a legal gun-owner in Nicaragua used a gun to protect his family from a home invasion. The perpetrators entered the home with guns, and were shot with the homeowners’ legally registered guns in their attempts to strangle and possibly rape the homeowner.

Paul Tiffer concludes by saying, “You may buy or own as many guns as you wish but you will need a separate permit for each one. You should use a lawyer or perhaps a friend in the police department to help you walk through the process. Having a firearm without a permit is automatic confiscation, jail time and a fine on top of it.”

This information was an eye opener for me. I hope you find it helpful.

If you live abroad, do you know the legal process to buy and register a gun? What are the statistics on homicide rates by firearm where you live?


Expats: Free Birds or Jail Birds

When asked why foreigners immigrate to Nicaragua, often they say,  I just want to feel free, like never before. My response is usually, Free from what? Does Nicaragua offer more freedom than we can obtain in our home countries? If so, what are those freedoms and are there restrictions to our freedom while living in Nicaragua?

I’m reminded of Lynyrd Skynyrd’s song, Free Bird. It is a metaphor for life.  “Things just couldn’t be the same. ‘Cause I’m as free as a bird now,” the group sings. Life happens whether we want it to or not. Since life passes so quickly, I figured that I might as well jump right into the thick of it…take calculated risks…live my dreams…change and grow. I couldn’t handle staying where things were always the same day after day. Life seemed to be passing me by, and I needed a change where I could spread my wings and fly. Nicaragua gave me that change.

What freedoms do we have in Nicaragua?

Some expat business owners say that they have more freedom to conduct business in Nicaragua. I assume that means there isn’t as much bureaucracy. Others interpret freedom to mean less financial stress and less work.  For me, now that we are retired, freedom = lifetime pensions. We can live comfortably on a fixed income in Nicaragua.

As expats, we express our freedom in many creative ways. We are artists, builders, writers, chefs, teachers, and photographers. We cherish our freedom and our rights to free speech. We defend our home countries, and pack our traditions, values, cultures, and symbols of freedom to display in our adopted country.

Continue reading


Let’s Get Real about Working in Nicaragua

Since my post, Lets Get Real about Retiring to Nicaragua, was a big hit, I am going to have a monthly post on Let’s Get Real about…

This month’s post is Let’s Get Real about Working in Nicaragua. It all started with a post on a Facebook forum for expats in Nicaragua.

Hey, how much money will I need to support myself for the first couple of months? When I arrive I am going to travel to a few places (i.e Leon, Granada) and choose the place I like best and then look for work as an english teacher there.

Recently, I have noticed an increase in the number of alarming posts, such as the one above. I say alarming because many foreigners looking for work in Nicaragua haven’t done their research.

So let’s get real about working in Nicaragua as a foreigner.

Continue reading


New Regulations for Nicaragua: Mandarin Required

Breaking news! In a dramatic policy change, the legislative branch of Nicaragua, the National Assembly, confirmed today that Mandarin will become the official language of Nicaragua. An amendment to the Nicaraguan Constitution requires all foreign residents and nationals to pass a Mandarin proficiency test.

In expectation of thousands of Chinese immigrants entering Nicaragua to work on the proposed Nicaraguan canal, the spokesperson for the President of the National Assembly states that the rule change is a result of concerns that national and foreign residents will not easily assimilate into local communities where the Chinese immigrants will settle. Without a solid foundation of the Mandarin language, it will adversely affect the local populations.

In a prepared statement being distributed to foreign embassies, consulates, and the Nicaraguan embassy, as well as immigration offices in Managua, the National Assembly states, “We recognize that Mandarin proficiency will be a major predictor to adapt to Nicaragua and a new Chinese culture. We have become increasingly concerned about recent clashes between the Chinese and local residents. Language problems may be causing the clashes due to cultural differences and misunderstandings.”
Continue reading


Illegal Immigrants and Perpetual Tourists in Nicaragua

Last week, I went to Granada to visit friends. Not only were there throngs of tourists, but there appeared to be many new foreigners moving to the Granada area. Fancy hotels and condos sprung up in Granada, practically overnight. New restaurants and bakeries cater to the tastes of foreigners. Relaxing spas and swimming pools bathe and soothe foreign bones and tired muscles.

I wondered how many of the new foreigners moving to Nicaragua were pursuing legal residency in Nicaragua and/or their reasons for not choosing the legal path to residency. Ron and I lived in Nicaragua two years before applying for residency. We got tired of crossing into Costa Rica every 90 days to renew our visas. For us, the process was a bureaucratic nightmare, mainly from the U.S. side; however, for many the process to legal residency is almost impossible.


Continue reading


International Human Rights Day in Nicaragua

“The rights of every man are diminished when the rights of one man are threatened.”
― John F. Kennedy

December 10th is International Human Rights Day. In honor of this day, a great March Against the Nicaraguan Canal is scheduled in Managua. This year’s theme is Human Rights 365.

March copy Continue reading


Ometepinos March Against the Canal

“One has a moral responsibility to disobey unjust laws.” ― Martin Luther King Jr.

Over 2,000 people attended the march against the canal in Moyogalpa, Ometepe Island on Saturday, November 15, 2014. When I filmed the march, it surprised me that there were less people in attendance. The last march against the canal drew 4,000 people.

It wasn’t until the march was over that I learned of military tactics to prevent hundreds of  people in buses and trucks from attending. They were detained at check points along the main road from Altagracia by the Nicaraguan military.

There has been a lot of “detaining” lately in Nicaragua. After the first protest march on Ometepe Island, the ferry was detained for 20 minutes by the Nicaraguan military. I know of several other situations where people were detained in Nicaragua because of taking photos of the canal route, or simply trying to fish off the coast of Ometepe Island.


Continue reading


Sharpening Machetes

 Our hands will not tremble when we bring out sharp machetes to protect our families, our
land, and our basic human rights. ~ The Nicaraguan people


I was going to write a post about the many uses of the machete in Nicaragua, but with recent protests and lack of transparency about the Nicaraguan Canal Project, I foresee many Nicaraguans sharpening their machetes. The comments below represent the alarming anger, mistrust, and nervousness of the Nicaraguan people.

Thousands of locals along the route have begun protesting against their impending expropriations with several demonstrations having taken place in just the last few weeks. Many of the signs they carry read: “No Chinos!” The anger has become so intense that police have begun patrolling outside of the Chinese engineers’ headquarters in the provincial city of Tola.
The Red Canal Continue reading