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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Part Two: Let’s Get Real About Expat Health Insurance

“Both terrorism and insurance sell fear — and business is business” ― Liam McCurry, Terminal Policy

IMG_9465The greatest fear of mine is a slow, painful, and expensive death from a catastrophic illness or accident. Living abroad poses many health risks, especially living on a tropical island with limited access to quality health care. After a painful bout with Chikungunya, it became necessary to research our options for international health insurance.

I suppose there are pros to being uninsured in Nicaragua. Health care is cheaper. We don’t have to see a doctor to get antibiotics or other prescription medications. We can usually self-diagnose if the illness is small and uncomplicated. For serious illnesses, Vivian Pellas hospital and the new Militar hospital in Managua offer excellent care. But, without health insurance, a catastrophic illness or accident can be expensive.

I’ve written posts about the need to have emergency medical funds when living abroad. If an expat goes to Vivian Pellas for an emergency medical procedure, before anything happens…anything!  VP swipes your credit card. Do you know what your credit card limit is? How will you afford an emergency $16,000 stent or two?

Therefore, because of my fears and “business is business”…we purchased international health insurance. Part One covered our exploration into the world of international health insurance policies. Now….

             Welcome to the world of two happy, healthy insured expats!

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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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Weekly Photo Challenge: Boundaries Across Cultures

The Weekly Photo Challenge is Boundaries Boundaries are physical, emotional, spiritual, and relational. They can consist of the limits of what we consider safe and appropriate. They reinforce our values, goals, concerns, and roles we choose to play. There are similarities and differences in boundaries across cultures, so it is important to be sensitive to people’s differences.

Nicaragua has many forms of boundaries.

For protection and personal security

Our community built a safe and creative playground for our local children.
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A Three-Hour Tour

Just sit right back and you’ll hear a tale, a tale of a fateful trip…I hummed that song for three hours on my flight from Ometepe Island to Managua, which was supposed to be a 20 minute flight.

IMG_0272I was a little concerned when I booked my flight online with La Costéna because it is usually $50 plus taxes for a one-way flight. This time it was $83. Why the increase in the cost? The flight schedule said the plane left at 2:45 and arrived in Managua at 3:05.

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I am off the island heading for the states this morning. I leave you with a few photos from our Nicaragua Independence Day parade.

“I am no bird; and no net ensnares me: I am a free human being with an independent will.”
― Charlotte Brontë, Jane Eyre

IMG_9368“How wrong is it for a woman to expect the man to build the world she wants, rather than to create it herself?”
― Anaïs Nin

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Failure to Communicate

“What we’ve got here is a failure to communicate.” ~ the 1967 movie Cool Hand Luke

It sounds so simple: say what you mean. But, all too often, what I try to communicate gets lost in translation…literally. Let’s face it! Communicating effectively in a second language is not my strength. Many days, I have a failure to communicate. But, last week’s problem was not because of ineffective communication in Spanish. It was a problem with forgetting my cell phone.

Last Sunday, our god-daughter invited us to her presentation at the border of Costa Rica and Nicaragua. Her father, Jairo, had tried to call us for a week to invite us to Alba’s presentation. Unfortunately, I had turned off my old cell phone…the number that Jairo knew. So, Jairo had to walk to our house to give us the invitation.

That was my first mistake. I gave Jairo my new number and asked him to send me a text message with directions to the place where Alba would give her presentation. That was my second mistake. Jairo doesn’t know how to send a text message. Who knew?

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Weekly Photo Challenge: Shades of Pitaya

The Weekly Photo challenge is: Monochromatic.

Our Pitaya fruit is ripe and OHHHHH is it beautiful and delicious. I took a kaleidoscope photo on my iPad of our bowl of Pitaya fruit. Problem was… I was so excited to eat it, I neglected to get a “normal” photo of our ripe fruit. :-)


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Let’s Get Real about Garbage in Nicaragua

“To know our refuse is to know ourselves. We mark our own trail from past to present with what we’ve used and consumed, fondled, rejected, outgrown.”
― Jane Avrich


Basura…garbage…it is one of the first things most tourists see and comment on when visiting Nicaragua. A Google search “garbage in Nicaragua” led to more than one million hits!  We still have a long way to go, but I have seen many positive changes in Nicaragua in the area of waste management.

Let’s Get Real about Garbage in Nicaragua

1. Recycling

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