Read more in one of my newsletter reports:

http://www.retireinluxury.com/free/retire_in_luxury_july20.pdf     page 3.

There are rentals available almost anywhere in Mexico, that you may be able to take advantage of and check the area out that you are interested in.  I always tell my readers to go, not as a tourist, but as some one who is really looking for a new place to put down roots.  Hang out at the native shops and restaurants.  Staying only in a lovely resort, in the fabulous pools, is not going to give you the real taste of Mexico you need to make your big decision as to whether you’re going to move south of the border or not.   Take a few trips to check things out.

Mazatlan, because of having every convenience, was our choice, but, there are places nearer the border.

And, sure, you can own property in Mexico.  In the interior you’ll get a deed – much like the States.  In the “excluded zone”, you can still own property, but you will do so through a Trust. Do download all my free newsletters and read all my reports and articles – you’ll find oodles of information to help you in your decisions.

Just heard a new one – at least for me – when life deals you a bunch of lemons – hey – make Margaritas :)
Best to you,
Barbie

Steep Roads of Acapulco

 And, to end today, an email received from Marlene S.:   “Thanks for all the information on Mexico.  Your e-book was very helpful.  Thanks to it and a visit for the month of October, we are moving to Lake Chapala area at the end of February.  Less than one month!!!  In about two weeks I will have a different e-mail address. If you want it just let me know. And thanks again for the good tidbits, do’s and don’t's,  etc.  Our friends from British Columbia just moved as well.  He was having some chest pains before he left but the BC doctors gave him a clean bill of health. When he arrived in Mexico things got worse.  He ended up having triple bypass surgery in Gudalajara.  It went very smoothly.  They gave the BEST and quickest care they have ever seen.  In a new clean modern hospital.  He may not be alive if he was still living in BC.  So Medical care is superb in Mexico. All for now.  Marlene”

Jerry first wrote, and I shared with you all:  “I have lived in Mexico for 11 yrs and I rent a two bedroom 4 yr old house (very pretty) in a nice neighborhood for $83.00 per month! How about that? And there are more! Jerry”

I responded:  Hi Jerry! Thanks for writing! Yep – it can be done! Way to go! Barbie

With that, and with many, many people replying to me, concerning his email, I asked Jerry if he would mind telling me where he was located, he replied:  “I live 7 miles from Chapala on the north side of the lake in a small but nice village called Ixtlahucan de Los Membrillos. Email me at (deleted by Barbie). I lived in those areas (around the lake) but found them to be too expensive — so I figured – what are the Mexican people paying, so I did my homework and found this place and the home that I lived in before, for 5 yrs was $100 USD per month with two bedrooms too! They exist, you just have to look for them…MexicoJerry”

And then, after I asked if he would mind if I shared where he’s located, Jerry quickly replied:  “Barbie:  Sure, I live in a small village at the bottom of the mountain just before descending into Chapala. (that’s Lake Chapala.)  The village’s name is Ixtlahuacan de los Membreious in the housing area called Aguilillias (some call it Vista Del Lago!)  There’s one house next to me that the bank just took back over so it’s empty at the moment! Hope this helps! Jerry” (Barbie = I looked this up on the computer – tempting!)

In his next email, he continued:  “When I first moved to this area, I paid the usual $350/250 per month for rents but decided that the locals can’t pay that – so I looked around.  For 5 yrs I paid $100 per month and then found this house for $85.00 per month.  You can get around the costs here if you do as the Mexicans do.  Health insurance, you can cut that way down too!  Lots of fine clinics and low cost hospitals. You just learn to work the system as the locals do. Jerry”   (Barbie = Exactly what I tell people – do your research – be well prepared, and then check things out in person – not as a tourist, but as someone looking for a new home.)

Then, quickly from Jerry:  “Barbie:  Thank you!  I don’t mean to step on your toes, It’s just that I figured that Mexicans aren’t paying big amounts for rentals so why should I.  Your readers will need to get down here and look around and do a little legwork.”

To which I replied:  “And – no – my toes are just fine ;)  I’m going to get an article/notice out asap – and yes – love your email – you are so logical – that can be a rarity these days…  have a good one!  Barbie – do keep in touch!

And after a very brief pause, Jerry sent:  “Barbie, You are right. I went to laundry-mats and small grocery stores and anywhere to ask about rentals in the neighborhoods. Ask the locals – quite often they know of something or maybe a relative has a rental and would love to get a Gringo in there! It worked for me.”

I wrote:  “Hi Jerry – thanks so much for your reply – yes – I understand – but my one fear is the ugly American coming down and ruining the “goose”.  I’m going to put up an article – try to tonight – hopefully explain – more – I say over and over that the average DAILY wage is $5 in Mexico…I keep trying :) Barbie”

(Lightly Edited for privacy)

Added by Barbie – please, dear readers, don’t think you can just go to Mexico and pick up rental prices like this easily – it’s going to take work – just like Jerry said.  Barbie

And, added when Jerry wrote this to me :    

“Should any of your readers think that even though I only pay $83 per month for my rent, that I am living is some sort of squalor, they couldn’t be more wrong!  I have high speed Internet telephones and Sky TV, a maid twice a week  and  (I think,) all the amenities.  I am retired from the University of Florida and while my pensions are small, I am able to travel, and even save money too just from my income.  I am planning a trip to Asia in October and have been saving for that. My point is that if someone has a pension of $1,100 US per month, they can live very well here in Mexico.  The best to you, Jerry”

Hi,Barbie,
My husband and I (and our dogs and cats) have now been just outside of Ajijic since Sept. AND WE ARE LOVING IT!!

The Mexican people are so friendly, and the support from the expatiates and the local clubs, like LCS, are great.

I think our children and other relatives first thought their parents were crazy, but more and more we hear from everybody how much happier we sound since we no longer deal with all the issues in the States!

The big question has always been “yea, but what about crime?”  Well, we feel much safer here than in Little Rock, AR!  Maria W.

[Note from Barbie: I have, in some of the newsletters and reports stated that most problems are at the border towns, and are associated with the drug problem.  Border towns are creatures apart from most of Mexico.  However, I do also try to tell people to be cautions;  don't flash cash, don't wear great watches, etc.  And don't have anything to do with anyone who would even consider doing drugs - there are millions of us out here... we have lots of good company!]

Hi Barbie,
Tim W. here.  I now live in Nuevo, Laredo Mexico.

I live where the Mexicans live and rent, utilities, food are very affordable (I drink bottled water).

All the girls here want to get married (that’s not much different than the USA).

I’m on my way to Mazatlan but I’m making sure all my retirement money knows how to find me while the border is in walking distance.

Social Security claims to be more understanding and will deposit my money in any bank except in barred countries (like China).

I have cable internet now with hyper cable (pronounced hyper cowly).

There are very nice 2 bed, 1 bath new homes here on the outer part of Neuvo, Laredo, Mx.  They sell for $195/mo.  If a person learns Spanish it would be a great place to live.  No one there speaks English and I have to take along someone bilingual.

Are there places in that price range in Mazatlan?  A one room place where I can see the water way off in the distance (or not) will be fine.  (I answered – maybe not within view of the water)

Everyone in Mexico thinks USA types have money, so I keep one hand on my wallet at all times.

Final note from Barbie: Dick and I have never felt threatened – anyplace –we always try to be careful and wise and well prepared in the first place.  Taking unnecessary chances – just not part of our lives…we’ll leave that to the Acapulco cliff divers… :)

I recently ran into this true story:
A former Dallas, Texas,  police officer moved to the Lake Chapala area in Mexico.  He met a lovely Mexican lady and eventually got married.  A wonderful 84-year old Mother-in-law welcomed him into the family. 

The majority of the news that the Mother-in-law and her family received about the U.S. was from t.v.  From what she saw on the news channels, she was convinced the U.S. was a very dangerous place.  After all, she saw reports about children shooting children – mothers killing children – husbands killing their wives – students killing their teachers – such a scary country.

So it has became a strict rule that anytime this Expat gentleman and his Mexican wife want go to the States to visit any of his family, they first must go to the Mother-in-law’s home so she can say a special blessing prayer on them, in hopes that they stay safe on their trip to the dangerous United States.  Different perspective, huh?

Yes, the drug-lords in Mexico and especially around the border, are causing lots of trouble – but, remember, it’s mainly because they have such a wonderful place to sell their product – to all the people buying their product in the United States. 

volley ball on a beach

First of all, let me explain a couple of acronyms:

DIF:
The State System for the Full Development of the Family
(Desarollo Integral de la Familia)

INAPAM:
National Institute for the Greater Adult People
(Instituto Nacional de las Personas Adultas Mayores)

INAPAM, the Senior Discount Card I’ve already written about, is for both natural residents of Mexico and for foreigners (legal residents) holding an FM-3 or an FM2 visa, over 60 years of age. (This is about the same as the older INSEN card – so, update to a new INAPAM card for maximum discounts.)

To apply at your local DIF office, found in the state of your residence, you will need:

1. Passport,
2. Photo ID (passport or driver’s license),
3. Valid FM2 of MF3,
4. Proof of current residence in Mexico (utility bill in your name, deed to your residence, rental lease,
5. Three photos (similar to your passport and usually there is a person within the area to take those photos, so they fit the requirements),
6. Emergency contact information,
7. Birth Certificate.
Make at least two copies of everything to take in to the office.

I do list the Mexican Embassies, located in the United States, in my book, Retire In Luxury. The list is found on pages 67,68 & 69.

There are a few handicap parking places in Mexico

The DIF office in Mexico City: 
Sistema Nacional para el Desarrollo Integral de la Familia
Zapata 340 P.B.
Sta. Cruz Atoyac, 03310
México D.F. (Districto Federal)
Tel. (55) 30032200

The Mexican Embassy in D.C. is:
Embassy of Mexico
Consular Section
2827 16th Street, NW
Washington, D.C. 20009-4260
202-736-1000

Charlie lives in the Ajijic/Lake Chapala area, an area well-known for its warm, provincial feeling, along with a large North American expat community and low cost of living.  Seems pretty perfect doesn’t it?

A reader had asked me to put her in contact with Charlie because she had some questions she needed answered about Charlie’s area.  When Charlie kindly answered her email, after I put them in contact with each other, he sent me a copy of the questions with his answers.  I, of course, want to share the info with all of you:

Question 1:  Are there any homes that are furnished, for rent?   If not, are there any available that are unfurnished?   

Answer:  Most everything is furnished.   A nice two or three bedroom, near me, runs from 300 to 350 USD a month.   

Question 2:  How did you find your place – through a realtor or just looking around?  

Answer: There are no realtors over here and if you found one, they would probably raise the local prices. Word of mouth or just looking around is the best way to find bargains.  I found mine through referral – word of mouth.   

Question 3:  What is the average monthly cost for the following services:  Electricitiy, water, phone, satellite, trash disposal.  

 Answer:  These numbers are approximate:  

 $50 for electricity,  

$1.20 per liter bottled water.  

$50 for phone and high speed internet service,  

$52 for satellite, this will vary with what you subscribe to, 

Trash disposal is usually included in the rent – depending on the area -
I pay $400 a year for my trash, water and security.   

Question 4:  Is there Bus service both around the local area and to Jocotepec and how is it?  Do you need a car? 

Answer:  Bus service here is great but a car is preferable.  

Question 5:  How are the Medical facilities? 

Answer:  Medical is great but there are many different ways to approach it (Read my articles on site and also the newsletters, on my site, for lots of info on health care – Barbie)  

Question 6:  What about Banking? 

Answer:  My money is in a brokerage house in Ajijic, 45 minutes away.  I never go there, I just use a money machine in my town.  I get %8 minimum on investments for the past three years.  

Question 7:  Do you have local shopping – stores or mercados? 

Answer:  I get my staples just about 1/4 mile away.  I get other things in my little town 3 miles away.   It is 15 minutes to 80% of my desires and 45 or 50 minutes to Walmart, Sam’s and Costco!  

Natural air conditioning in Mexico

 Finally, here is an interesting email I received:

Hi Barbie,
My husband and I (and our dogs and cats) have now been just outside of Ajijic since Sept. AND WE ARE LOVING IT!! The Mexican people are so friendly, and the support from the expatiates and the local clubs, like LCS, are great.

I think our children and other relatives first thought their parents were crazy, but more and more we hear from everybody how much happier we sound since we no longer deal with all the issues in the States!
The big question has always been “yea, but what about crime?” well, we feel much safer here than in Little Rock, AR! Your information certainly has been helpful! — Sincerely, Maria W.  

 Now, my plea to any of you now living in Mexico, email me some info on your area – I’ll pass it on to the questioning folks considering Mexico as a possible place to retire. 

What do you think? Do you have a question about retiring in Mexico? I’d love to hear from you. If you don’t see the comment box below, read the full article and scroll down. Let me know what you think!

“My wife and I enjoy reading your info abour Mexico. We are in the process of house hunting in Ensenada and would like to learn how to take our household goods (furniture, etc.) into Mexico when we move there. If you have any particular info about Ensenada and that area, we would appreciate that too.”

That’s a really good question.

HI, Bob:

This is a pretty long answer – but here ’tis:

IMPORT OF HOUSEHOLD GOODS FOR HOLDERS OF FM3 OR FM2
You must use the importation without tax privilege within the first six months of your move to Mexico…AGAIN:  All foreigners to Mexico who apply for and receive an FM3 permanent residence document are carefully instructed by the Mexican officials that the newly documented resident has the one-time right to import his used household furnishings to Mexico without the necessity of paying import duties.
All household goods must be inventoried.   (An inventory should include:   make, model and serial number for ALL electronic devices and electrical devises. You also want to list the estimated value – individually – for EVERYTHING.  You may import a quantity of used items which would be appropriate for a normal household.  WITHIN THE FIRST SIX MONTHS OF YOUR MOVE TO MEXICO.  New appliances are prohibited.)

The list must be in Spanish, typed in single space on white paper, leaving a space of two inches from the top.

Each item must be numbered progressively and on a separate line, beginning with the electrical appliances, specifying make, model and serial number (including kitchen appliances).
Small articles packed in boxes or crates must be described and numbered in the list as one box (crate) containing clothing, kitchen utensils, etc.

Each page of your original list must be signed in blue ink on the bottom, right-hand corner.

The original list, and five copies, must be presented to the Consulate General to obtain your visa.

Take your original FM3 or FM2, and six copies of the page(s) where your personal date is located.

Make sure you take six copies of your valid passport, the page with your personal data, picture and signature.

You will then, pay the consular fee of $127.00 US dollars, either with cash or money order, payable to the Consulate General of Mexico.  Personal checks and credit cards are not accepted.

Once the Mexican gov’t official receives all the requirements, it can take five business days to process your application.
You may either mail the above documents, or bring them in person. (Any thing you can do in person, we’d suggest you do – papers can get lost in the States, let alone in Mexico!)  Make sure you take proof of U.S. residency, for the past two years when you go to the Consulate.
If you decide to mail your documents and want them mailed back, include a self-addressed prepaid envelope, completed FEDERAL EXPRESS or UPS.  The Consulate does not assume any responsibility concerning mailed documents.
Consulate locations and info are listed on pages 67, 68, and 69 of Retire In Luxury.
 
If possible, get a minimum of three written relocation proposals from reputable household goods forwarders. Do this at least 30 days in advance of your planned move-out date. International moving estimates are NOT binding.
REMINDER:
Within six months of obtaining your FM Visa, you are able to import used household goods and personal effects in quantities which would be considered normal for the number of family members in your household.
Prohibited. Furniture and especially electronics and appliances MUST have been in use for more than 6 months. Items deemed to be new may be subject to confiscation by Mexican customs officials and the owner may not get his furniture back until a substantial fine is paid. (Import taxes)
 In my book, just to review:  After you have decided to move to Mexico as a perpetual tourist, you will probably want to bring your household goods down…or just get rid of your stuff.
However, if you decide to keep your things:
Hire a shipping/moving company (there are several you can locate via internet who offer moving service to Mexico) or have a truck of your own.
Get your items inventoried.
Procure your FM-3.
Give your shipper the stamped inventories and a notarized (by Mexican Consulate)
copy of your FM-3.
Then when your household goods show up at your new home, have cold drinks and
snacks available to the workers.
It is wise to use someone you have received a personal reference from. Check on
the chat sites where you’ve decided to move. Have every detail in black and white -
with many copies available. Include price, exact performance such as packing, loading,
unloading at your new home, dates, etc.

Dick and I felt it easier to sell the stuff in the U.S., and just replace…we planned to downsize a lot anyway – who wants to clean and dust “stuff” during retirement?!

Best to you,
Barbie

Well, Christmas is almost here. Only a few more days to go. All of the family will be getting together for Christmas dinner… and of course to open presents!

I just received this email and it prompted me to write today’s blog post. It’s from Barbara B. in Yucatan. She writes:

HI, Barbie. Well here we are in the Yucatan.  Can you tell me, can we buy a pickup here and put the title in both our names?  

In one of your letters you said something about people over 50 could get a card for discount on busses and tours etc. Can you tell me where I can get a card?  I am 81 and my husband is 86 years young. Thank God there are people like you who can help us old folks! Thank you so much. Barbara B.

First of all, Yes, Barbara!  You can buy a pickup and put the title to it in both names.

Now, let’s delve into one of my favorite things – saving money!  Yes, even in Mexico, residents and retirees can say “Senior discount, please” and be rewarded.

The National Institute of Older Persons, a Federal program administered by DIF (Desarrollo Integrál de la Familia) was designed to enhance the quality of life for all legal residents, Mexican and foreign, who are over the age of 60.  This “Senior Discount Card” was originally issued only to Mexican citizens and foreigners holding an FM-2 immigrant visa, but now it is now available for anyone holding FM-3’s also.

You’ll receive various discounts… on your pharmacy purchases…. discounts on your water bill, discounts to concerts, transportation, clinics, bus fare, festivals, movies, restaurants and lots more. You can read more about the whole program here.

Here’s how you get your discount card:

First find the DIF office in your part of Mexico. If there isn’t one, ask at the local government office where you should go to apply.  As with any office in Mexico, hours may be limited –and even their supplies. Try to go early and take a book or something to fill your time in case you have to wait. Be sure to bring with you:

• passport
• birth certificate
• valid FM-2 or FM-3 residence visa
• photo ID such as your passport or driver’s license
• proof of residence (a utility bill in your name, deed to your home, or rental lease, etc.)
• 3 photos in “infantile” size (smaller than passport size. Any passport photographer will know the correct dimensions)
• contact information for someone to be contacted in case of emergency;

Make sure you bring least two photocopies of everything on this list.

With all this in hand, you should be able to obtain and physically walk out of the office with the discount card in your hand.  You’ll find the constant use may wear them out, so laminate your cards.  You’ll probably want to make a couple of copies of them for future use too.

And that’s how you can get your senior discount!

So what do you think, folks? Do you have a question about life in Mexico? Are you ready to retire? Would you like to make a comment or a suggestion? If you don’t see the “COMMENT” field below, simply follow this link to the complete article and tell me what you think!

With that in mind, I am sharing a few of those emails with you. They have been edited for brevity and privacy, but they all capture the spirit and essence of invididuals who wrote them.  As you read them, you’ll see these are people just like you and me. Folks from all walks of life are thinking about Mexico.

Here’s the first email from Larry who is considering Costa Rica and Mexico as retirement possibilities:

Hi, Barbie! Thanks for keeping in touch. I am in Costa Rica right now checking out what is available. There are some nice small houses close to Jaco Beach for $75,000.00. The food here is more expensive than I thought it would be. Dinner at a local restaurant will cost at least $10.00 with a beer.  That’s why I am checking out Mexico next. Thanks for all the great tips! Sincerely, Larry

Here’s an email from Joy. She’s been living in Mexico for almost 3 years now:

Hi, Barbie. We have been living here in the Yucatan for the past 2 1/2 years and loving every minute, we do not ever want to leave, except for a cruise which we do every 3-6 months.   Happy Holidays! Joy R.

Here’s one from Suzanne:

Hello, Barbie.  My family and I have been in Mexico recently and have just returned to the USA.  It was fun and full of life and culture unique as the people. My husband even rubbed raw onion on his thinner parts of his hair to make it grow in accordance with certain customs and practices! The beaches are great! So, I will retire there. Thanks for your important site.  Talk to you soon… Happy Holidays.  Suzanne M. L.

Here’s an email from Terri who is considering Mazatlan:

HI, Barbie.  This year my husband I will be spending three months in Los Ayala, Mexico and are planning to spend one week of that time in Mazatlan.  Love to read your newsletters and information.  Thanks for doing this for all of us snowbirds.  Terri D.

And here’s one from Charlie:

Hi, Barbie. Need some advise. My wife and I are moving to Mexico for 6 months to give it a try. We both have traveled there many times and enjoy it very much, however my wife’s passion is her jewelry, she loves to wear it. Diamonds, gold, you name it. She can’t be without it. Is this a deal breaker? Today she informed me she is not moving anywhere she can’t wear her jewelry. I would be very concerned about her safety. Do you have any ideas?  Thanks, Charlie W.

My Reply:   I for one don’t think a big diamond ring is worth loosing a finger for! Yes, I have them – - but sure don’t wear them indiscriminately. I have a few blog posts about saftey and traveling, and no matter where you travel (in the US or abroad) you have to be careful.

Here is a great email from Doreen in Canada:

Hi, Barbie. I really appreciate receiving your emails.  About a year and a half ago we purchased a house on the El Cid Golf Course (I’ve deleted the address – Barbie).  Although we have not officially retired yet, we do get there at least twice a year with the intention of retiring there within the next 3 years.  One question you may be able to help us with–we generally rent a car when we are there and are now considering buying a used car there.  We do not have an FM3 yet but wondering if we can still purchase a car (it would be left there) and what is the process regarding registration and insurance and if there is anything else we should know.  Doreen

My Reply: Hi Doreen,   Thanks! I know the process for bringing a car into Mexico with the express desire of taking it back to the U.S., but to purchase a used one – I’d go to the auto dealer in Maz and see what info they can give you.  I know it’s usually more expensive to buy a car in Mexico – perhaps not always a used one – but, that sort of depends on what kind of a “bargainer” you are (remember, you will not have much to stand on if you happen to purchase a “lemon”).   An FM3 allows you to have a car in Mexico as long as the FM3 is in good stead. But, to buy a vehicle in Mexico, and just keep it there – that’s probably just going to take a lot of permits – start with the auto dealer.  See where that takes you – then, start shopping around. I also suggest pacificpearl.com and whatsupmaz.com.  But, from what I’ve gathered, talking with people, it’s a wiser choice to buy in the states, (even a used car) take it into Mexico with the proper papers, keep them updated, and then when you are done with the car, take it back across the border and do with it as you wish.  Yes, keep it insured as long as it’s in Mexico, with Mexican insurance.  Best wishes, Barbie

And finally, here is one from Debbie who discovered Lake Chapala and the Ajijic area:

Mazatlan's historic district

Dear, Barbie. I retired from teaching in June of 2007.  My husband and I traveled to Mexico (just as a drive-thru on our way to South America).  However, we stayed for about a month in the Chapala and Ajijic area.   Then that turned into 6 months; and finally, I found myself teaching English in a bilingual school and we wound up staying for 2 years.    We loved it. Because of the economy and some business we had to take care of in the States….we had to return for a couple of years.  Our plan is to return to Mexico to live when we get rid of our house here in the states.   We will probably head down toward the Manzanillo Beach area this next time.   Have a great time!  Debbie C.

So you see, more and more people are thinking about Mexico as a place to live, retire, and enjoy life. What about you? Let me know what you think! If you don’t see the comment field below, click on Read Full Article and share your thoughts. If you have a question, just let me know. I’m always here to help.

Sincerely,

Rest assured thousands of people have already done it. Mexico is where they live, work, and play. People from all walks of life are living the good life for a lot cheaper than they could do it anywhere else.

Indeed, Mexico has it all: Lower healthcare costs, pleasant weather, idyllic lifestyle, and so much more. Mexico will help you save money on practically everything you need right now. Imagine slashing your living costs by a third… or even a half. That’s a lot of money in your pocket!

So what will your life be like in Mexico?

How much does it really cost?

Most importantly, how do you get started?

This article answers all of these questions for you. My newsletter, my free reports and my books provide you all the information you need.

If you’re looking for the perfect place to retire… a place to vacation to… a place to escape the winter months, you’ll discover why more and more people are choosing Mexico to make ends meet — and getting more bang for their bucks.

So read all about it! I’ve got lots and lots of information waiting for you right here, so dig in and enjoy.

Oh yes… and I almost forgot! If you feel like commenting on any article, please by my guest.  At the end of each article, there’s a little “add comment” feature — so feel free to make use of it. I *do* get a lot of email and keep pretty busy, but I guarantee you will always get a reply from me!

Verl writes: “Thanks for your correspondance. We are planning a trip in July to possibly purchase in the Lake Chapala area. It is difficult from here to get the real scoop on the most desirable retirement spots and then the best neighbourhoods, we’re shooting in the dark.  And we think we should purchase now before prices go through the roof.”

And so, I introduced him to Charlie after assuring him that to hurry the process is not wise – prices have leveled off just as they have in the States – relax – shop around.

Charlie has  rented a three bedroom, two bath home, with a maid’s casita and bath, garage, patio and nice yard about 30 miles south of Ajijic on the other side of the lake for $200 a month.

He lives in Ajijic while looking for a permanent place and paid the Ajijic prices for everything and out here it is about half.  Even the food, and pharmacies are cheaper because it seems that here everything is priced for the economy of the town.

A few months with the Gringos in Ajijic and it was an easy decision, Charlie said. It wasn’t an economic move but being away from the Gringos who do drive the prices up where ever they go it certainly turned out that way.

You may remember the article in AARP magazine that offered Lake Chapala at $800 a month. Well the Gringos drove it up to an easy $1200 to $1400 a month.

Well, Charlie is here to tell you that if you don’t desire the hubbub of the crowd and you don’t mind a 25 or 30 minute drive to the larger towns tell your folks that $800 a month is a breeze.

He writes, “You know the climate & beauty here, the people in the country, like in the U.S., are more friendly and helpful than city folks and the only thing we don’t have out here is the noise of the city.

 ”My advice to a prospective person coming to Mexico is to rent for a few months and look around for what fits their economic and social desires. There is something here for every one. In my community I don’t spend or act like a Gringo and I am accepted as a member of the community.”

As far as Social Security, the nay-sayers and dooms-dayers say it won’t be there – but, even if is, (and I can’t imagine any politician who values their political life not working to keep it functioning) then it will be an added bonus!

Ways to do it:

If your employer offers retirement savings plans – take full advantage of them. Contributions are taken out of your pay before taxes – and the savings will earn interest, and you won’t be taxed until you – usually in retirement – take the distributions. And, believe me, in retirement, most of us have a lower income – ergo – lower tax ratio. Win-win – you saved, let it gain interest, and the taxes will be less when you receive the money. If your employer offers a matching plan – take full advantage of it! Contribute as much as is allowed. Same scenario as above paragraph, plus you double your savings!

Once you have a plan established, don’t borrow on it! You’ll find it’s almost impossible to replace the money you already saved – and you’ll be paying back interest too boot!  Keep your eyes open for penalties! If you take distributions before 59 ½, those withdrawals may have penalties!

So, try to wait until at least age 62 to retire – you’ll find health insurance can be a huge expense on your own – try to hang in there until 65. Medicare is wonderful! 

 Now, assuming you’re a bit nearer that golden year of retirement, and have already put the above plans into action, here are a few thoughts to ruminate:  Your retirement does not involve only yourself. Your spouse or partner is going to take that ride with you.

Sit downand have many discussions about your hopes, your expectations, your desires you have for the future years. Dick and I have always found a lot of easy conversation while driving and relaxing – find a comfortable setting and share.

Figure out just where your income is going to come from and how much you can plan on receiving – here, a financial advisor may come in handy. Most banks have that service offered for free, but we’ve found you can get a lot of information by just getting out pencil and paper and doing some figuring!

By now you should have a budget figured out – see where you can cut down, where you will be able to save. Use coupons and take full advantage of sales. You’ll probably find that during retirement, you’ll have more time than money, so make a game of coupons… and don’t forget to always ask for the good old “senior discount”! Dick and I would feel really bad if we were to pay full price for almost anything anymore! 

Just for the fun of it – go though last year’s financial records. Find out just what you actually spent for the year, and see where you can cut down. Even if you have unlimited funds, you should feel very proud not to just waste money.

And what a wonderful lesson to pass on to your children!

Now, you should be in full retirement mode – but – woops – what happens a little later…when the car needs a major repair, the roof starts to leak or the plumbing gives up the ghost and needs a major rework – or maybe your washer just stops in the middle of the spin cycle, never to spin again? All those savings you’ve been able to put away will be a life saver.

Expenses don’t stop just because you retire!

How many buses does it take to get to Mazatlan from Puerto Vallarta? Well, in our case, four. That’s not the norm, nor the point of this story.

Before even leaving Puerto Vallarta, we had to exit the first bus we had boarded at 8:15 a.m. for a second one. Then the second bus broke down and nearly incinerated us in the mountains at 10:30 a.m. A third bus came along within 20 minutes and finally delivered us to Tepic. We arrived barely in time to catch the final bus to Mazatlan after a madcap dash through the terminal at noon. That doesn’t mean we were jinxed does it? It’s all in a day’s adventure, no?

We missed the Masked Ball on Friday night, not because of bus delays but because we simply didn’t know about it. In fact, not a whole lot is printed about the Carnival in Mazatlan, especially by or for gringos, and that is the point of the story

Imagine us, a middle-aged gringo couple embarking on an adventure with a minimum of knowledge, traveling by bus from Puerto Vallarta for a five-night excursion into the heart and soul of the Mexican Carnival. At first we were disappointed to discover online that most resorts and hotels were full by January. We tried to book the main five nights of the long weekend at our favorite Bed and Breakfast, but no luck

Fat Tuesday, or Mardi Gras, while celebrated around the world, is known simply as Carnival in Mazatlan and the date, is tied to the Christian calendar, and varies each year. It came early this year on February 5th just 40 days before Easter.

While not on the scale of celebrations in Rio de Janiero, or New Orleans, or even Venice, Mazatlan has has a reputation of enthusiastic attendance, growing over the years. Luckily only a few weeks before the event, our B&B called back and said they had a cancelation exactly for the time we wanted, so at the last minute we took it. We love the location, a block from Olas Altas beach and directly in the heart of Historic Mazatlan.

The B&B is a lovingly restored, two story, 19th century mansion built around a sunny courtyard. It has a beautiful pink marble staircase, a fantastic updated kitchen, a generous serve-yourself-bar, and internet access. The owners, couldn’t be more attentive, gracious or enthusiastic. They shared the party spirit of the moment with us like old friends. We love the place!

When we arrived Friday evening, we were greeted with glasses of wine as the busy, weekly Art Walk, which they help sponsor, was happening. Then they handed us ‘the earplugs’. “So we’ll need these?” we asked naively. Their reply was that we were a ‘bit close’ to one of the bandstands. An understatement indeed!

Although so perfectly situated for walking through the Historic District and accessing the beachfront Malecon, the B&B’s location is directly in-line with the musical pathway of one of at least 10 band stages along the end of the parade route through Olas Altas. In fact, sitting on the roof of the house you look directly at the stage, but also at the sunset and the ocean beyond.

There are two big parades, one on the Avenida del Mar about a mile away on Sunday and one on Mardi Gras (Fat Tuesday) evening right in front of the B&B. There are also two fireworks celebrations; known as the Combate Naval (the first of which was the best display I have ever seen!); one on Saturday (commemorating Mazatlan’s victory over the French Navy in 1864) and another display on Monday evening, along Ave. del Mar.

But getting back to the ear plugs…music is at the heart of the Carnival celebration and is called Sinaloa Banda music. Banda is not Mariachi music but something akin to a blend of many styles; Salsa, Mariachi, Cumbia, Merengue, and maybe you can even toss in some Jewish Klezmer music. Hate it or love it, there are 30 plus bands, over five nights, playing up and down the beachfront on bandstands from about 7 in the evening to at least 2 in the morning, and sometimes til 4!

During the parades or in between acts on stage there are the small bands that didn’t make it into the line up and rather than allow any silence, they play on the street corners when no one else is upstaging them. This is infectious, danceable music and did I give you the impression yet…LOUD!? (And to boot, just jog four or five blocks away from Olas Altas to the Plazuela Machado where there are four more stages – we’ll deal with that location later.)

After a couple of nights, we practically got used to it almost constant music and even caught a few hours of sleep. Banda music has a distinct place in Mexico’s musical heart and creates part of the soul of Carnival, much as Jazz does for New Orleans or Samba and Bossa Nova do in Rio.

Carnival was “family friendly” fun, with clowns and balloons, day and night, in a way that discourages the “skin shows” and drunkenness of other cities around the world. There are loads of beer stands everywhere, setting prices from 10 to 20 pesos a can. ($1 to $2 USD) Pacifico Beer is produced in Mazatlan; so are the Pacifico Girls…you see everywhere. They still use huge 100 pound ice blocks, hauled by ‘men-with-tongs’ and chopped up to cool enormous stacks of beer. The streets ran slick with the melt-off strewn confetti. People dress up with masks but because the date was early in the year, many folks just plain dressed to stay warm in the cool evenings.

In addition to the numerous locations having street fair stuff, there is a whole wealth of entertainment and more of a purpose to Carnival when the local residents crown various Queens of Carnival, presented in stadiums and grand ballrooms. These gala events include much more ceremony, distinction, and are coronations of the most beautiful and talented individuals of the highest order. Past year’s queens are honored for their achievements in a ritual of events.

Food for most, including me, is a priority when I travel. Although street vendors can entice you with an economical plethora of local specialities, we found that real meals are highly important to not only provide stamina for dancing, walking, site seeing and a host of other daily events but also to avoid heartburn. We moved our focus to the Plazuela Machado in a more completely restored section of Historic Mazatlan only a few blocks from our B&B.

That reminds me, while we took the time to walk around Historic Mazatlan; we were enveloped in a wonderful ethereal sense of artistic decay and elegance somewhat akin to what Havana, Cuba is like. The antiquated charm of the abundant and strikingly different architectural styles, the restored buildings, brightly painted and filled with wrought iron works is contrasted with the ancient and deteriorated looking structures sometimes right next door to each other. It truly captured, amazed and thrilled both of us! The revival of the area began with the Angela Peralta Theater anchoring the neighborhood and gentrification has spread outward during the last decade.

The Plazuela is a focal point of Carnival, bounded on its northern side by Calle Carnival filled with locals selling festival goods.

Depending on our timing we either had lunch or dinner in the outdoor cafes surrounding the plaza’s shady strolling area. In the Plazuela you have the choice of sitting on the sunny side or the shady side and are surrounded by fantastic people-watching as you gaze across the central sitting area and fountains. Strolling minstrels and mimes added color, and impromptu songs and poetry by groups kept the place entertaining all day long. At night multiple stages erupted into big music productions the place was packed and rockin’ with the youth of Mazatlan. This became one crowded little plaza!

Additional sight-seeing in Mazatlan filled our daily needs. One morning we hiked to the tallest working lighthouse in the world. Looking out from the top across the ocean and all of Mazatlan we saw the cruise ship terminal and fishing fleet docks in the harbor from which the city has earned the nickname, ‘Shrimp Capital of the World”. We looked northward where the tourist, beach-mecca of high rise hotels and resorts is, known as the Golden Zone and saw the three islands just offshore.

Two different days we took a 15-minute hike to the Old Zocalo and Cathedral for more people watching. The huge, typical Mexican public market, “Mercado Pino Suarez” nearby is jam-packed full of tourist-ware, groceries, meat displays, clothing, and absolutely everything up for bargaining.

A couple of times we took an ‘indigenous’ open-air taxi ride in a golf cart-like contraption known as a pulmonía, commemorated in Mazatlan history by a monument on the Malecon.

Carnival comes to a climax on Fat Tuesday night after the last parade, with revelry exceeding all previous evenings. The noise gets louder and the people crazier. But after throwing the last of our confetti-“In your face, baby!” we went home at midnight, showing our age, long ahead of everyone else.

Before leaving town in the morning we walked the Malecon one last time; watched the cleanup, melted ice and towers of beer still in evidence, the ocean surf pounded on the big rocks off shore, and we were entranced by one of the brave cliff divers from the pavilion near the dolphin sculptures.

After five nights, our bus ride back home was very anticlimactic. There were the same four young guys we rode the bus up with. However, now they were no longer singing, laughing in anticipation, playing loud music on their MP3’s, no more joking at the front of the bus, nor displaying the antics of youth; now they were in the back, behind us, practically soundless and like us probably sleeping much of the ride home, recovering from the exhausting and delightful party known as Carnival!

Hi Barbie!

I just wanted to say thanks for the info you provide, it’s so helpful and practical!

I am not much for writing e-mails, but I wanted to tell you that I have been living in San Agustin for the last two years and I love it!

The weather is perfect, the rent is amazingly low for my 3 bed, 2 bath casita ($2200 pesos (Barbie – approxmately $220 American dollars) a month, includes water and a great gardener)!

I pay aprox. $175 every 2 months for electricity, gas is aprox and I pay 300 pesos every 3 months, for phone, cable & internet. Combined is only 450 peso a month!

I live on a small pension plus I teach English at a local school. I am the only “gringa” living in my coto, and my neighbors have taken me in with warm hospitality.

Guadalajara is a wonderful, diverse, cosmopolitan city with so much to see and do! It’s only a 2 1/2 hour drive (on the Colima road) to the beaches in Manzanillo… 3 1/2 to the beaches in Nayarit… 4  hour s to Puerto Vallarta.

What more could I ask for? Life is good!

Thanks again for your newsletter, keep up the good work!

Cheers, Lorna

Hi, Barbie! I am now officially retired as of 7/01/09. I went to  to Playa Del Carmen Mexico in November 08 after we e-mailed. My sister went with me and we had a wonderful time!

We looked for a condo to rent this year and found one. We are going back 11/1/09 and want to stay until 4/30/10. I have tried to remember all the important things I need to do for a 6 month stay and wondered if you could tell me if there is a need for a Visa if we stay 6 months in addition to the passport. We also need to buy inexpensive furniture as it is not furnished.

Would you know of any places you could recommend for that?

 We are planning to leave the furniture for the 6 months we return to the states and return there the following year again. I am not sure about permanent retirement there until we see how we like it this time for 6 months. We plan on going to many different places from Playa and checking things out. I have verified my health insurance will cover me there and resolved the prescription issues for a vacation exception to get 6 months to take with us. Any advice or info you can give me would be greatly appreciated!

The other thing I was wondering about was the location of the nearest Catholic church in Playa We’ll be staying just off the other side of 307 .It’s about 10-15 min. from the shopping district. It’s a new development and it has a private beach 5 minutes from the condo.

After 61 years of Maine winters and 28 snow storms just last winter alone I am so looking forward to this. :)

Thanks again. Sharon

Here is my reply to Sharon:

Hi Sharon:  Glad you took your sister with you!  Bet you had a ball!

You are absolutely right: you will need your passport – and make sure its valid date exceeds or meets the date you plan to return to the States.

Then, as a U.S. resident – I’m assuming – You will also need a Tourist Card (permit) and it will be good for 180 days – important – that does not mean 181 days!!!  You must enter the States before midnight on the 180th day!!! NO Excuses!!! :)

The tourist card (permit) –will be taken care of at the border crossing port of entry or on the airplane, ship, etc.  Just do as Dick and I did in my book, Retire In Luxury – follow the line or do as the airline steward or official at the port of entry instructs you to do. Remember:  Do not enter Mexico without your permit.

You will decide on:  either a Non Immigrant Permit – visit Mexico and then leave Mexico (What you’ll want) ,  or an Immigrant Permit – permanent residence in Mexico.  Either way, you do not give up your natural citizenship to receive these statuses.

For a short stay of 6 months or less you may want to consider the FMT  visa (short term non-immigrant visa for stays 6 months or less.)

Or you might want to consider a FM3 (long term non-immigrant visa for more than 6 months which gives non-immigrant temporary residency status to the holder.  In my book, I call this the “permanent visitor” permit.) Most retirees opt for the FM3.

The furniture situation – that’s a tough one – maybe try to buy some used. Or, try Gringo Furniture ( 1-866-600-1186). I have not used them, but I have heard good reports about them. Might be an easy way to accomplish a big project!

You were wondering about the nearest Catholic Church. There is one in the Colosio neighborhood in Playa del Carmen. It’s called Parroquia de Nuestra Senora de Guadalupe.  Father Bernard Quinn may still be the priest there. I believe the services are in Spanish.  The church is not air conditioned. I don’t think you’ll find many that are in Mexico, but the ventilation is good.  It’s the corner of 15th Ave and 12th Street.

Best to you,
Barbie