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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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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Fruitful Times


“Don’t sit at home and wait for a mango tree to bring mangoes to you wherever you are. It won’t happen. If you are truly hungry for change, go out of your comfort zone and change the world.”
― Israelmore Ayivor

I love this quote! It really represents our life in Nicaragua. We definitely moved out of our comfort zone 13 years ago when we first moved to Ometepe Island. But now that we have settled into our little boomer nest, we are experiencing fruitful times.

Our last rainy season just ended and what a glorious rainy season we had. The past three years have been exceptionally dry, but now with the abundant rains, we have new fruits popping up everywhere.

Ron planted several avocado trees five years ago. This week, I noticed one avocado tree blooming and it is beginning to produce baby avocados. Last avocado season there were few avocados. The extended drought took a toll on the trees. But, this should be a great avocado season. It is still early, yet I am finding local avocados in the grocery stores now.

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Last year we had one cacao or chocolate pod on our cacao tree. I was so excited because although the tree is seven years old, we never saw any pods develop. However, the pod cracked and fell off the tree last year. I think due to a harsh dry period. But, this year, we have a couple of pods developing and one is the size of my hand.
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Moving Day in Nicaragua


“Settling into a new country is like getting used to a new pair of shoes. At first they pinch a little, but you like the way they look, so you carry on. The longer you have them, the more comfortable they become. Until one day without realizing it you reach a glorious plateau. Wearing those shoes is like wearing no shoes at all. The more scuffed they get, the more you love them and the more you can’t imagine life without them.”
― Tahir Shah

I can’t imagine life in Nicaragua without Nicaraguan ingenuity. My Scottish sister friends moved to their new house on Ometepe Island and they needed to move their belongings.

I know you are thinking, hire a moving van or rent one, right? The problem with that is that the only professional moving company that we are aware of is in Managua. We know that because when House Hunters International filmed us, they had to hire the only professional company in the country to move our belongings from our house, so they could film us “pretending” to view our house to buy.

How in the world did I explain this to our Nicaraguan friends and neighbors, who are only familiar with horse cart moving, when a giant moving company truck pulled on our sandy beach path?  My response was, “It’s Hollywood,” and that seemed to satisfy their curiosity.

The Scottish sisters hired Wilber and his trusty old horse to pull their belongings in a repurposed cart to their new house. They were concerned that Wilber’s old horse might have a difficult time pulling a heavy load and the repurposed cart was heavy, too.

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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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What Makes Housesitters Extraordinary?


“We leave something of ourselves behind when we leave a place, we stay there, even though we go away. And there are things in us that we can find again only by going back there.” ― Pascal Mercier

Our housesitters left fresh flowers, homemade chocolate banana bread, and a mesh covering over our shower drain because we thought the cane toads were hiding in the shower drain during the day and hopping around the bathroom at night. Two weeks after returning from Fiji and New Zealand, I still find little remembrances of them.

Meet Doug and Johanne our housesitters extraordinaire.

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How to Afford to Travel


“Desires dictate our priorities, priorities shape our choices, and choices determine our actions.” ― Dallin H. Oaks

I love reading travel essays, but before we started traveling I was disappointed when the essays never explained how one affords to travel. I received a comment on my blog the other day asking me how we afford to travel six months of the year and live abroad.

I never gave that question much thought after we started traveling because we just did it, but it is a great question and one that I think deserves a thoughtful answer.

Let me break down the quote above because it explains our process perfectly.

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Arthur’s Pass in the New Zealand Southern Alps.

 

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