Category Archives: Finding ways to my retirement or living overseas

New Lots for Sale in the countryside close to the beach, 30km to the ocean!

Golf & Club Resort in Coastal Ecuador, La Peninsula

New golf course development in Coastal Ecuador is taking into account environmental factors and seeking to be amongst the most Eco-friendly in the world.

The developers will open the first 18-hole championship level golf course in Coastal Ecuador by January 2016.

Located in the scenic Coastal Location of Ecuador, the 1500-acre development is the newest and most exclusive residential resort community in Latin America and has been designed to protect the indigenous flora and wildlife of the area.

The layout encompasses woodlands, meadow lands, ridge lines and riparian valleys coupled with dramatic elevation changes making for a signature golf experience. The developer’s goal is to create a course that blended seamlessly into the unique topography of the land, they sincerely believe in creating one of the most visually stunning courses in all of Central and South America.

This peninsula location is one of the most desirable destinations in Ecuador for those who seek to retire comfortably or invest in a vacation home in increasingly popular Latin America, this location is internationally acclaim as the one of the best micro climates in the world.

International climate experts have section Ecuador Coastal Region in three:

1.      The tropical wet forest of the north – Esmeralda, Bahia, Manta

2.      The tropical savannas of the centre and southeast – Manta, Puerto Cayo, Olon

3.      The dry forest of the west and southern peninsula – Salinas, Anconcito, Playas

This Golf Club Villa development seats right on the peninsula, therefore: ‘The wonderful year round climate and scenic beauty of the region will be a perfect location for an active lifestyle that can include championship golf, hiking, birding, mountain biking and rafting, as well as many other activities.

It is one of the fastest growing retirement and tourism destinations in the country due to its lush vegetation, vibrant population of rare birds and the hiking opportunities. It is also an Eco-tourism destination.

Ecuador’s Coastal Peninsula has been a claim internationally as one of the top destinations to buy a property because of its infrastructure, business services, medical care and telecommunications combined with a desirable but affordable standard of living, some of the finest ecotourism in the world, bird-watching, scores of exotic beaches and islands, snorkeling, diving, sport fishing, white water rafting, rock climbing, fine restaurants, and a multitude of historical sites.

Request all details:


Ecuador living and Health Care – The city you choose to live has a lot to do with the quality of care you receive.

International Living–Health Care Abroad: Excellent and Affordable

youtube.com Health care in many countries around the world is excellent and affordable, with prices that are a fraction of what you’d pay in …

Although quality health care is available throughout Ecuador, you must keep in mind that many services may not be available in rural areas and the quality of health care may not be as good as in larger towns or cities.

Most expats and Ecuador living websites will tell you that Ecuador’s best medical services are offered in Quito, Cuenca, and Guayaquil. I will leave it up to you to agree on that, in the mean time, I will just let you know what locals do and I pretty much follow it.

It is common practice for doctors in other parts of Ecuador to refer seriously ill patients to hospitals and doctors in Guayaquil. In Guayaquil you will find high quality, low cost health care, but as anywhere else in the world finding it requires some due diligence and common sense.

We may consider Ecuador as a developing country; the truth is that you can get first-rate medical care here. Guayaquil holds the most progressive and open society, it is the largest and most service demanding local city, therefore, you will find that most local professionals are well educated and up to date on their specialties. Many doctors are educated in the U.S., Europe, Argentina, Chile, and Cuba, and receive continuing ed training around the world.

With the right choices, you will receive personal attention from medical practitioners not seen the U.S. And, you’ll pay some of the lowest prices in the world. In general, you can except to pay 10% to 25% of what you would in the U.S. for comparable services. For major surgery, involving longer periods of hospitalization, costs were even less than 10% of those in the U.S.

Health insurance is a bargain in Ecuador. A 55 year old man in the U.S. would pay a monthly premium of $1,100; in Ecuador he pays $86. A woman, age 50 to 60, would pay $77 for the same policy in Ecuador while coverage for a dependent child, between 2 and 17 years-of-age, costs $15.69 a month.

I will advise you to check local insurers since they all have their own policies that will apply. As in the U.S., the policies of major insurers consider pre-existing conditions and require that you sign-up for coverage before you reach the age of 70 (some companies require sign-up by age 65).

Some expats do not opt to take on any health insurance since per services are not expensive. That will be your decision to make depending on your budget and risk factor. Keep in mind that U.S. Medicare will not provide coverage out of the country.

One extra option could be alternative health care in Ecuador. On per capita basis, Ecuadorians use alternative services much more frequently than North Americans or Europeans. You will find well established practitioners of homeopathic and naturopathic medicine in Guayaquil by the Coast of Ecuador.

Ecuador Real Estate – facts about buying property in Ecuador and finding out local regulations

Thanks to one of my readers, I came to the attention that in Ecuador there is no such a thing as “Short Sales” on properties. I will try to provide some inside view about Real Estate Sales in Ecuador.

Latin American countries have particular structural features that complicate the regulatory environment of capital markets and affect the effective execution of short sales on real estate properties. For local Ecuadorians to purchase a real estate investment through a lender (Bank or Government Agency) it is easy since the introduction of the US dollar as the official monetary unit for all banking and government transactions.

In theory financing is available in Ecuador, but in practice it is difficult to arrange for foreigners.

The Ecuador constitution guarantees free access to the banking and credit market to locals and foreigners alike. The same as it guarantees the free right to own and hold property.

You can buy real estate once you land in the country using only your passport as identification. This is not just a policy of the current administration that can easily be changed – the Ecuador constitution guarantees the right to buy and hold property for everyone, citizens and foreigners alike. In fact, once you are in the country with a valid visa, the Ecuador Constitution guarantees that you have the same legal rights as Ecuadorian citizens, with the exception that you can not vote.

Additionally, there are no restrictions on owning beachfront property as there is in some other countries. Real Estate problems have mostly been the result of buying property that the seller did not have the right to sell – a proper title search, or buying title insurance, mitigates this risk.

The difficulty that foreigners face on financing is the inexistence of a “credit rating” system in Ecuador. Adding to this, there is a high default rate in their financial system, so it’s hard to qualify for a loan without a local employment history or a co-signer.

A good credit rating in the US does not mean anything here. Interest rates are typically 12% or more, and 30% to 50% down payment is standard.

The great opportunity to take advantage is on Pre-Construction Featured Projects in Ecuador. You could finance your down payment free of charge and cero interest until the project is ready. Also you could sometimes get the sellers to provide future direct financing, but they will typically require at least 50% down payment.

Getting back to the term of “Short Sales”, the definition applied to this term in Latin America it is completely different, “short selling” relates to market shares or stocks.  Latin American capital markets are characterized by the following factors affecting country risk perception from the international investor perspective:

  • Reduced liquidity
  • Limited price formation
  • Unavailability of information
  • Small economic size

All this facts makes it difficult to assess the appropriateness of short sales norms. Let’s say in Ecuador there is no currency market since their official monetary unit is US Dollar, so there is no possibility of short sell that would depend on the existence of a fixed or a floating exchange rate regime.

Therefore, Ecuador does not approved or makes it feasible to short sell in equity markets; there are no regulations on the topic.

This is the best place to invest in cheap property, not to go on market trading…

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If you need help with information related to buying property in Ecuador at real cheap price let me know… Hereyou have a sample of a real cheap property only $ 65.000 US dollars on sale directly by owner, ocean side gated community in Playas Villamil, the best ocean weather in the world.


Flying solo Overseas? find companionship here in Ecuador!


Play safe while in Ecuador, join our newest social network.

This site is a social network for people that wants to make new friends in Ecuador.

The best way online to meet local contacts in Ecuador and start your new social life!

Now days it’s not easy to find our way around on finding new contacts or friendship once we decide to move or travel overseas. We need to find trustworthy and reliable contacts where ever we are planning to go in the world.

Most globetrotters are on Twitter? Facebook? MySpace? LinkedIn? Other social networks? Posting regularly? Checking your email every 15 minutes (and immediately responding)?  Cellphone on all the time? Is it helping your quality of life?

We get caught up trying to keep up with the latest ways to boost our social life. In some cases, a small effort has a major benefit (for example, a profile allows people to find your online 24/7). But when we spend too much time focusing on trying to keep up with “the world”, we lose sight of real person hidden in the online world.

Can we truly create our intimate network? (people who truly know and care about us).

Hyper connectivity is giving us the feeling of doing something (having thousands of Twitter followers) but at the expense of meaningful relationships (both in our personal and business life). It’s also decreasing the amount of creative “unstructured” time that we need to think deeply about issues. If we’re always reacting to a stimulus, we have no opportunity to actually do something novel.

You may have already decided to search for a fresh new life overseas with great ambiance, ocean waves, fresh food and a relaxing local business approach. For sure you will need to include new people into that awesome new life, by helping create – Ecuador and adding real contact names references, we will have access to straight forward conversations related to ECUADOR and Latin America.

Join us today…


Unete al mejor lugar para comunicarte con extranjeros sobre temas actuales. from

Ecuador  el mejor lugar donde comunicarse e intercambiar ideas con extranjeros sobre temas actuales…
¿Te apuntas? Hemos creado la red social para gente madura que goza de gran éxito a nivel internacional.

¿Te preguntaras por qué? Resulta que la nueva meca norteamericana es Ecuador.

Difícil de creer… yo lo se, aquí te muestro una de las grandes oportunidades que nos llegaran al Ecuador,
International Living Live and Invest in Ecuador Seminar

Es la nueva oleada en USA y Europa…. El reto de vivir mejor con menos…

Una nueva visión internacional, ECUADOR el país donde se propone a un nuevo estilo de vida y donde pueden obtener una vida de calidad.

Ecuador… A Retirement Haven That Has it All…
Bueno, por fin llega el momento de proveer un espacio diferente solicitado por todos.  es un estilo nuevo en Ecuador que te permite tener tu espacio personal.

Al ser 100% gratuita en Ecuador, es escogida por personas como tú y yo para promocionarnos al mercado internacional, aunque también muchos conocidos la aprovechan para promocionar sus nuevos trabajos y anunciar eventos.

Aparte de eso, es un lugar donde puedes dar a conocer al mundo tus aficiones, gustos y fotos en grupos y blogs personalizados.

Dispone también de online chat que es como un messenger para miembros de pluMMix.

Al igual que el resto de redes sociales, te permite escoger si tu perfil es privado o público, y sólo tú decides quién puede tener acceso a él.

pluMMix  es una página web de contactos al uso, con la ventaja de ser una de las más frecuentemente utilizadas por los extranjeros.

Aprovecha únete hoy en su versión Beta en Ecuador…!



New social networking venue on the block… from Ecuador!

Socializing when overseas

"making friends in Latinoamerica"

Mission… Developing relationships is a core part of who we are, and we’re inspired to deliver a great online socializing solution. Help great people of all kinds find each other.
Why not join the party? Are you interested in finding new overseas contacts? Post yourself here and connect your friends to this network so they can make real comments about you. From here you will be able to connect through to their real online social networks.
I am starting here from Ecuador, South America, there is a large group of Latin women who would love to make friends overseas. Hurry and invite your friends …

ECUADOR and Latin America, do we know why they have done better during our on going crisis?

The actual performance of the region’s economies is surprisingly strong particularly when compared to past crises. China’s sustained demand for the commodity exports of the region and the timely monetary action of the IMF liquidity provisions, are two external factors that are undoubtedly part of the explanation.

However, internal factors played a major role too including greater macro policy resilience and the financial sector reforms in most countries over the last decade. One over looked factor is the contribution middle class consumption has done to the region; Latin America middle class is not the stereo typical one, they will be closer to poverty class in standard societies, and they also have limit access to aggregate demands that will condition micro economic growth, therefore domestic demands have allow this economies resilient to global crisis.

Future challenges will be: to secure domestic financial development against political pressures for short-term gains, to pressure the local financial sector as a market player while maintaining sound lending practices, and to adopt real government policies to sustained macroeconomic stability.

As for our self, if we are looking for new horizons to develop careers or retire while still contribute to society; this country will be a great opportunity to put in action collaborative strategies for development.  A good starting point to contribute to real wealth and welfare should include strong education systems and investments in order to organize economics and promote better incomes distribution. Let´s make a better world for our next generations.

I will like to invite you to watch the following video


Showing a bit more of Ecuador…

First working day of the month of October and by reading most of my friends and colleagues e-mails, I am realizing that weather change is approaching. It is getting cooler up north, and we are getting warmer here in our tropical Coastal Ecuador.

I use to enjoy and welcome fall and winter, it meant slowing down, looking intro perspective, and start building and planning my next steps in life. But also, this reminds me one of the main reasons to be living in Ecuador with this nice hot warm weather.

Around the year 2000, when I was developing my professional path in USA and Latin America, some health issues interrupted all my wonderful working and travelling plans.

Within all the travelling options, one was to visit family in Ecuador. Once on my trip, I ended up checking the local health and medical resources because of a severe pain crisis (spinal discs problems). I was basically pain managing for a couple of years but came to that point that I needed surgery.

Let´s make this story short, it was my second back surgery, I had already one done in Canada with success. So without even thinking or making my health a priority in my future plans, I review all the options and opted for the best ones at that specific moment:

1.- My medical expenses were covered here in Ecuador by my insurance policy

2.- I could opt for top level doctors and hospital beds, since the rates were lower here in Ecuador.

3.- All international insurance companies have local referrals that are practitioners who have done their studies in USA or Europe, even award winners professionals.

4.- Since I was covering expenses directly, I did not have to wait on line for tests or MRIs.

5.- I could set up myself in a nice upper scale condo with house help for less than 1.000 US. (I need 3 months at least to be able to drive again)

I had the surgery by a recognized worldwide surgeon, a nice recovering period, fresh home made food and care, and I was keeping up with my pending working projects and connected to the world by the internet.

Maybe this is not an option for everybody, still you could always research medical options overseas. There are online medical referrals to consult your options even here in Ecuador.

I will leave you with some nice pictures of some of my personal adventures here in Ecuador. I was asked by one of my readers if the posted pictures are original, I would say mostly they are. At times, some pictures are from other sources which may narrow the certainty of their originality.

P.S. Due to my health issues cold weather doesn´t agree with me,  and in Ecuador, I am able to afford on going therapy and massages plus attend exercise classes like yoga and Pilates to manage my health as I am aging.

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Check every year for this “Home Expo fair in Guayaquil” to get your dream property in Ecuador.

Now heading towards its 4th year, it is the leading event in Ecuador dedicated to educating investors and traders of all levels.

When you make the decision to buy a home to live in, or for an investment, it is critical that you immerse yourself with information and insights from trusted, experienced experts – and this is on-tap at the show.

With a major exhibition and over 70 high-powered seminars across three information-packed days, visitors will leave each show with a greater understanding of what’s required to make smarter (and more profitable) decisions when researching, finding and buying their next property in Ecuador.

As an independent exhibition participant our objective is to provide visitors with the opportunity to gain direct access to the most impartial, highly qualified and successful experts from Ecuador and around the world.

So if you only attend one property education event this year – make it EXPO-HABITAT 2011 in Guayaquil, Ecuador, one of the most leading events.

Local projects, properties and contractors… all in one place for you to search your best real local price property of your dream.

I trust the following website will provide you with an inside view of the show, I could help you out with all the information you need since everything will be outline in Spanish.

Start building a network of professionals and friends overseas as the stepping stones to a great life overseas…

I don’t need to remind you of the problems we are facing today, in North America and elsewhere. You may already be watching your nest egg shrink…and, like many, may already be taking a hit on your day-to-day quality of life.

So, we get excited around the idea of a brand-new start in a brand-new place where you can enjoy all the things you might be missing out on right now.

Then, reality sets in.

You will have to sort through an overwhelming number of possibilities out there, making all of us tipsy when thinking about crossing the fence to a complete new setting in life.

First, let´s check some basic ideas to help you see if living or retiring overseas works for you.

People who chose to retire overseas weren’t prepared to settle for an average retirement. They were looking for a better quality life under a lower income.

The word “retirement” has nothing to do with checking out or taking it easy, unless you want it to and could afford to. Maybe this is your case, here you will find great places were you could improve your golf swing or join a bridge club…or you could spend your days lazing in a hammock beneath a palm tree. And no one would think any less of you.

For the rest of us who are not ready to take up a position on the sidelines of life, there are plenty of options to show you here in Ecuador, South America. And, I am pretty sure they could be applied in other Latin American countries.

The world is alive with opportunities for fun and for profit, no matter what your age. That’s because it is easier today than ever before to live, travel, invest, and retire as best suits your personal agenda.

Now, if all this ideas are for you, then you should start working on a plan to make your dream come true. My first suggestion will be to start building an online network of people (professionals and friends) that will help you along the journey.

I know sometimes it is difficult to garner the right information. They usually tell you that you are not going to find reliable answers to your life-overseas questions by simply surfing the web…or reading all the books you can find on the subject.

I believe that if we pull together to provide the right information online from honest professionals at each local place, we will be able to overcome this sort of limitation.

Apply your common sense and ask every question that you can possibly conceive. On this blog, we should be able to provide an open source of information for your plans to live overseas, and not to depend only on paid sources from people who have experience traveling or living overseas and making a profit out of it.

If you like to share o become friends to help others online, please write something about your experiences when going overseas. Here you have few topics to start springing ideas in you:

How much money do I need to set aside for going overseas? Should I sell my house? Will I rent a property overseas or should I buy?

Things like local health care, Immigration laws, ways to make an extra income, local customs and the way they deal with foreigners, how to buy property, especially in developing markets, any main issues faced by all would-be overseas retirees…

Good luck and welcome to the Global Community!

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