Gypsytoes or Stickytoes


This says it all about our lives on Ometepe Island. We want the best of all worlds. How does one decide to stay or go? Is it possible to have Gypsytoes and Stickytoes  together? If so, how does that work?

Here are some of our considerations in deciding to stay or go.

Financial

 

We grow a lot of our fruits and vegetables.

In 2016, we traveled to Colombia, Fiji, New Zealand, Las Vegas, Tennessee, and Pennsylvania. We accounted for all of our expenses and income for 2016, and we actually saved money and came out ahead when we balanced income vs expenses.  We own two homes, we have no mortgages and no expenses for our home in the states. Our trusted friends live in our house, collect our mail, and they even took care of our old cat, Tokyo, until she passed away this year. The small amount of rent goes into a special account which we use to pay our property taxes, rental insurance, and for repairs on the house.

If we were to sell our house on Ometepe Island, we would be free to travel the world, but it would come with a price. We would continue to live only on our monthly income, and try not to dip into our savings, yet it would be difficult because we would have to pay a monthly rental fee, which we don’t have to now. Traveling is expensive. We aren’t backpackers anymore, and we like to stay in Airbnbs throughout the world. It is doable, but will take some work to stay within our budget.

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Random Rants about My Country of Birth


Random ranting is always good for the soul. It is like a pressure cooker value releasing steam. A good rant is cathartic. Sometimes ranting keeps me sane. And living in Nicaragua as an expat, I have some frustrations about my country of birth. It has been a while since I’ve ranted, and Anita of the blog No Particular Place to Go inspired me with her rant-a thon, so here are a few of my random rants.

U.S. Health Care Rant

Don’t get me wrong. I appreciate having Medicare, but we can’t use it abroad! With my first eye surgery in the states, single payer was quick and easy. I paid 20% of the total cost of the doctor, facility, and anesthesiology. When I told my doctor that I needed to fly back to Nicaragua, he said he would have to replace the vitreous in my eye with silicon oil, which necessitates a second eye surgery to remove the oil.

“I am going to see if a doctor in Nicaragua can remove the oil in my eye,” I said to my surgeon. “Good luck with that,” he responded. “I doubt that you will find anyone as competent in Nicaragua as eye surgeons in the states.”

What is it with doctors’ arrogance? Waiting for surgery in the gurney, I watched as a train of gurneys were moved in and out of the operating room. “How many retina surgeries do you do here in a day?” I asked the attending nurse. “Usually 15 per doctor per day,” she said. I quickly calculated that the doctors each made $1750 per surgery X 15 surgeries a day = $26,250 a day!!! That is just the doctor! It doesn’t include the facility or anesthesiology fees.

I made an appointment in Managua at Vivian Pellas Hospital to see a retina specialist. Dr. Juan Rivers gave me a through exam and patiently answered all of my questions. When he said my eye was still extremely swollen, he asked, “Why didn’t the surgeon give you steroid shots to reduce the inflammation before injecting the oil?” I said that the doctor told me oil and water don’t mix, so he couldn’t put steroid shots in my eye. “Well, that is what we do before we inject the oil or gas,” he said kind of irritated. He shook his head and said that I would have to keep the oil in my eye for three months, which could have been avoided if they reduced the swelling first.

Through my tears… in only one eye… I thanked him for his patience and his TLC and scheduled another eye appointment for the end of August. His initial consultation cost $160.89. The surgery to remove the oil and replace my corroded lens will cost $3,000 for everything. Since we have international health insurance, we weighed the cost of airline tickets, a rental car, and at least two weeks of expenses to repair my eye in the states in a train of gurneys vs the cost of surgery with Dr. Juan Carlos Rivers at Vivian Pellas. I opted for a competent, caring doctor in Nicaragua. I can file claims with my international insurance and get some of my money back.

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Not my Circus! Not My Monkeys!


I watched the talking heads on CNN the other night and suddenly realized that I was screaming at the TV, “Not my circus! Not my monkeys!”  When my anxiety decreased, I became aware that these two simple phrases have a lot of meaning in my life lately. Then, I burst out laughing.

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My First Experience with Medicare


“One quarter of Medicare beneficiaries have five or more chronic conditions, sees an average of 13 physicians each year, and fills 50 prescriptions per year.”
― Clayton M. Christensen, The Innovator’s Prescription: A Disruptive Solution for Health Care

I went to see my eye doctor in Tennessee the other day. When the nurse entered my information into the electronic files, she asked me, “Are you sure you don’t take any medications?” I replied, “Yes. Nothing.”

She couldn’t get over the fact that I had no pre-existing conditions, took no prescription medications, and had no medical history other than my appendectomy and tonsillectomy, which were removed when I was a teenager.

“I have to put something in the spaces,” she commented. “Do you take any vitamins?”
“Once in a while I take glucosamine,” I replied. With almost a sigh of relief, she asked me how many milligrams and how often I took glucosamine. “You are the best and easiest patient I have ever had,” she said. “But, you aren’t normal.”

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Happy Trails!


“Why do you go away? So that you can come back. So that you can see the place you came from with new eyes and extra colors. And the people there see you differently, too. Coming back to where you started is not the same as never leaving.”
― Terry Pratchett

 

We are off island for a grand journey to Cuba, Mexico, and then the United States. It has been a busy week. I won’t be posting from Cuba, but when we get settled in Mexico, prepare for a hundred shots of the old cars of Cuba. On my first date with my husband, he picked me up in a 1950 Chevy! And it got better…on our second date, he picked me up in a 1956 limo. We are old car lovers.

Here is a review of our past week.

Robinson opened his Island Cafe restaurant. It used to be the American Cafe and Hotel. We wanted Robinson to name it Robinson’s Crusoe, but he felt more comfortable calling it the Island Cafe and Hotel.

What a change paint makes! The restaurant used to be off white with red plastic chairs and blue plastic tables. Now, it is so chic!  Continue reading

Humans of Nicaragua: Think Potential


“Always dream and shoot higher than you know you can do. Do not bother just to be better than your contemporaries or predecessors. Try to be better than yourself.”
― William Faulkner

When we first rented our little beach shack in 2004, we dreamed about buying it and remodeling, planting fruit trees, raising a big garden, and building a guest house. When we were ready to move permanently to Ometepe Island, we found the owner of the beach shack and asked if we could buy it. And the rest is history.

The possibilities are endless when building on Ometepe Island. Friends from Slovakia had a dream. They searched for beachfront property and found their piece of paradise near Moyogalpa.

They rented a house near their property. Before they could start building, they had to clear the land and burn brush. Then, they dug a long trench and laid water pipes for their new trees and vegetation. It hasn’t been easy and the challenges are great, but they are on their way to fulfilling their dreams.

They started by building a wall out of sand filled earth bags. Their land is at sea level and is prone to flooding. The earth bag retaining wall will protect their house and gardens. Plus, in experimenting with the challenges of earth bag construction, they decided that their house would be built with bricks instead.

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Cost of Living: March 2017


Since I am preparing envelopes for our house sitters with two and a half months of expenses, I thought I would give you an idea of our latest cost of living expenses for the month of March 2017.

We own our home, thus no rental expenses. This month, we paid our property taxes of $25 and I included that in the miscellaneous expenses along with gas, propane, and a few other small expenses.

The amounts are in dollars. The total monthly expenses are: $960.

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If you are considering living in Nicaragua, it will depend on your location and your needs. Ometepe Island is cheaper for home rentals than most of the larger cities like Granada and San Juan Del Sur. But, there are some expenses that cost more, such as a rural internet provider since we don’t have cable internet available outside of the main cities. Our service provider is Ggnet and it is on the mainland. We built a tall tower in our backyard because we need direct line of sight to the mainland to receive a strong signal for our microwave internet system.

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Kava Culture


“Kava is like chamomile on steroids.”~ unknown.  

I always stress out before we leave on a trip. This month we are leaving for two and one half months. First stop Cuba, then Mexico for a month, then to the states to visit family and check on our house.

Planning for an extended trip is exhausting. It takes months of planning to book Airbnbs, transportation, and flights. Then, there is the planning for our housesitters, bills to pay ahead, etc.

Kava to the rescue! When we were in Fiji last November, I wanted to go to a Kava ceremony. Instead, our Airbnb hosts brought the Kava ceremony to us. The Fijian house keeper took us to the market to pick out the best Kava roots and coconut husk cups.

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Weekly Photo Challenge: Ometepe Island is a Good Match for Us


The Weekly Photo Challenge is: A Good Match

Ometepe Island has been a good match for us to retire abroad because…

Our island and volcanoes go hand in hand

img_1365Charco Verde lagoon is in harmony with nature.
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Humans of Nicaragua: Ever and Blanca Build New Lives Together


“It is such a happiness when good people get together — and they always do.”
― Jane Austen

Valentine’s Day was also the wedding day of Ever and Blanca. I’ve written about Ever before in Humans of Nicaragua: Ever Builds a New Community. And now, Ever and Blanca are building their new lives together.

img_5018For me, Nicaraguan weddings are a wondrous act of simplicity, creativity, and love. The whole family pitches in to create an atmosphere tingling with joyful camaraderie.
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