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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Out of Nicaragua


“One does not travel by plane. One is merely sent, like a parcel.” ― Karen Blixen

We’ve been out of Nicaragua for three months. It is the longest time we have been away in the seven years that we have permanently lived here. Three countries, 16 airplanes, two trains, three ferries, two rental cars, too many buses to count, and one eye operation later…we are finally home!

My impressions of the countries we visited are dependent on many factors such as economic, political, climate, and most important…the people we met from all walks of life. In every country we visit we ask,”Could we live here?” The answer often surprises us. Yet, it helps us to form lasting impressions of the country.

Could we live in Cuba?

Foremost, we are grateful we had the opportunity to visit Cuba in March before Trump’s Cuba policy redefined “good” U.S. tourism. We are and always will be independent travelers. In most packaged tours and cruises, you see what the tour companies want you to see…predictable, expensive, and unsustainable tourism. Instead, we like to explore as detectives searching for clues about why people live as they do, what the real culture is like, and what makes a country tick.

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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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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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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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Responsibilities of U.S. Embassy Wardens


“Lets have faith that right makes might; and in that faith let us, to the end, dare to do our duty as we understand it.” ― Abraham Lincoln

Five years ago, the U.S. Embassy warden for Ometepe Island moved back to the states. She asked me if I would be willing to take on the duties of the warden for the island and of course, I said I would.

My primary responsibility as a warden for the U.S. Embassy is to aid in communicating with my fellow U.S. citizens living and visiting Ometepe Island in the event of an emergency. So, I’d like to describe my volunteer position to you.

  1. My main responsibility as a volunteer is to assist consular sections in disaster preparedness, welfare & whereabouts, and alerting fellow Americans to emergency situations. Mainly, I am a messenger. We have a Google group and a Facebook page where I can send messages I receive to the community of expats on Ometepe Island.
  2.  I facilitate distribution of routine administrative information (changes in section work  hours, procedures, embassy closures, voting information) of interest to the U.S. private community. I also provide important, timely safety and security information, which might include the times and locations of upcoming local demonstrations, areas of potential unrest due to local celebrations or elections, or information about a specific medical issue.
  3. The U.S. Embassy sends me email messages and provides me with a contact list of all the U.S. Embassy wardens in Nicaragua. I am invited to July 4th celebrations at the Embassy. Although, I have yet to attend because it is a long trip to Managua, and I have to spend the night because I can’t get a ferry back to Ometepe Island after 5:30 pm.

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How to Catch a Thief in the Digital Age


“Stealing, of course, is a crime, and a very impolite thing to do. But like most impolite things, it is excusable under certain circumstances. Stealing is not excusable if, for instance, you are in a museum and you decide that a certain painting would look better in your house, and you simply grab the painting and take it there. But if you were very, very hungry, and you had no way of obtaining money, it would be excusable to grab the painting, take it to your house, and eat it.” ― Lemony Snicket

I asked myself today, “When is it OK to steal?” We’ve had our banana stocks stolen every year because they are close to the small sandy path on the border of our property by the lake. Were they hungry thieves? Is that excusable?

We aren’t novices in crimes of opportunity. We live in a developing country and we understand that anything left out is fair game for people passing by our property. We’ve had hammocks, water hoses, and a fish trap stolen because we forgot to bring them into the house at night. We’ve had an iPhone stolen and a pair of Ron’s shoes by workers who came into our house to work.

Is stealing ever excusable?

Today, I felt betrayed by a young friend. Lauren started coming to our house with her dad when he was building our casita. She was 10 years old and we would make cookies and cupcakes together, draw and paint, and play card games. We developed a close relationship. I seem to have that effect on 5th graders. They like to hang with me.

As she matured into a teenager, she didn’t come to visit as often. When she did, we would give each other manicures and do girlie stuff together. The last time I saw her was last August. I was busy weeding the garden and I told her I couldn’t spend the morning with her. She asked to use the bathroom, and I should have followed my intuition. Something was not right. I found her in the living room and she looked guilty about something, then left quickly.

I didn’t give it much thought. Months passed. I looked for the phone, but figured I had misplaced it and the battery was too low for it to ring. We hardly ever used the Samsung. Lauren never came back to visit. Then, last night I had a dream where I saw Lauren put my cell phone in her purse. Was my gut feeling trying to awaken my consciousness through my dream?

This morning, I checked her Facebook page. I knew she didn’t have a phone and rarely posted. However, when I scrolled through her Facebook page, she had posted selfies every day since last August. And not just normal cute selfies…very sexually provocative selfies. She just turned 15 in November and I was shocked by her selfies. What was going on with her?

I wondered if my old phone number still worked because we still had the phone on our data plan. Long story about that, but Claro advised me not to remove the old phone number from my plan because I would have to start all over again with a more expensive plan. So, I called my old phone number!

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Feliz Navidad de Isla de Ometepe


“The smells of Christmas are the smells of childhood” ― Richard Paul Evans

My annual tradition has always been to bake dozens of Christmas cookies and pass them out to my neighbors and friends. Although it was meaningful in the states, for me it is more significant in Nicaragua for several reasons.

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