Denver Real Estate firms
Do not check your brains at the border
I always believed in the maxim, "to diversify their investments." So, for our My wife and my career in real estate purchase, especially in the south of the border.
When it came time to retire, we chose live at least half of the year on the shores of Lake Chapala, Mexico. Lake Chapala is almost the same height as Denver, Colorado, but is rarely so cold. This a short mild winter, but most houses are not heating or cooling.
For the ideal climate and cost of living, which are cheaper in the United States or Canada, has become a popular retirement community of people around the world. Expatriates in Mexico most of the hundreds of thousands.
Since the age of the baby boom generation, this and other places like the island of Roatan in Honduras, Costa Rica, the coast Mexico and, of course, most of the Caribbean's most popular – and expensive – with retirees.
These are ideal places for retirement and I do not want to discourage anyone from considering them. But not check your brains at the border.
With the exception of Puerto Rico, a commonwealth with the United States, they are all foreign countries. English is not the things language in all parts and do differently – sometimes very different.
If you plan to buy or rent a house and do research, which is quickly becoming familiar with the realtor large populations of these places. Amazingly, it is very easy, especially the United States or Canada ready to eat and drink, you discover the local community expatriates and explain the intricacies of life outside.
About a year or two ago an article published in International Living entitled "Not all sharks swim under water." Real estate is about the ex-pat and the stories that matter. And here is the location where your brain is essential.
Take everything real estate agents will tell you a grain of salt. Then stop at any local pub, and more likely to respond expatriates malcontents who are upset by where you are. Also, take what I say with a grain of salt, but consider carefully both sides of the image.
If you can try to find long-term residents throughout the year, generally will be the best source of information reliable.
Remember, when a first visit to these places, you're on vacation. Things are a lot of fun. You meet new people, make partying and drinking too much. You visit and spend a good time.
But living in these areas can be a very different experience. Telephones and electricity can not work all the time. Internet service may be irregular. You may have to pump and purify their drinking water.
There may be conflicts with the indigenous population, which usually goes to waste.
There will be many sharks – mostly expatriates – more than willing to take advantage of their naivete.
So a few tips:
1. Do not believe everything you're told. See it all so many sources different as possible. And if it sounds too good to be true, it probably is.
2. Remember that you are a guest in a country abroad. Do not act like a spoiled child. Cultural differences can be enormous. And even if a native English-speaking residents, there is often misunderstandings due to cultural divide.
3. Do not invest your money with a sympathetic uncle who meet in a local pub, whatever Back guarantees. In fact, keep your money in the States or Canada, for safety in a bank or brokerage firm. If you want to keep some local currency on hand, open a bank account real. Keep the same counter that was in the States or Canada. Too many are dying broke ignore this advice.
4. The laws are different. In many countries, a notary – a lawyer with special permits – is invited to both sides of a real estate transaction. But you always have the right to hire his own lawyer, artist, building inspector and surveyor. Would you be surprised how many people do not – I know you have taken. And in many countries, the lawyer-client confidentiality and conflicts of interest are not known.
5. While most of the population native will be respectful of you if you return the favor, you'll be a target of local thieves. Crime is likely to be lower than anywhere where it's from but there is – particularly search and auto theft. They can also find more bitter for the good of local public service missions. It may be difficult to get friends with them. But for the most part, the streets are safe at night
6. Try to learn the language and customs. Do not try to impose their values and see where you try to stop in. The only thing that almost always make sure get the workforce is of poor quality when it tries to tell how local crafts workers do their work. They make their own way, even if you're an engineer or architect of world renown who knows the "right" way of doing things.
7. In many places, the only thing they have in common with other expats is language. So make sure you choose a room with sufficient ex-pat community so that you can create true friendships. For most, there will be many warm and friendly people willing to include in your social circle. It is an attraction to life outside.
8. Be prepared to cope with poverty, child labor people living in deplorable conditions, and more. There are several support groups, but seems never be enough to put even a small dip in the problem. Some problems are due to local culture and there is nothing you can do about it.
There is no place like paradise, at least not in Mexico, South America or the Caribbean. You can live a good life, but nothing is perfect.
About the Author
Chris Cooper a retired attorney, and his wife Aileen, who has a MBA in Finance, provide personal finance and financial planning advice at
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