Over a million Americans travel abroad every year to seek medical treatment, most for elective procedures.  Latin America offers patients affordable elective and non-elective medical and dental procedures, usually at one third to half the cost of the same procedure in the United States or Europe.  As the name implies, medical tourism allows patients to combine medical treatment with a relaxing, tropical vacation south of the border; in fact, most medical tourism packages include excursions to nearby attractions and guided sight-seeing tours.

Because plastic surgery is so prevalent in Latin America (it’s estimated that up to 70% of middle and upper class women in some Latin American cities have had at least one cosmetic procedure), Central and South American plastic surgeons provide some of the most advanced and cutting edge surgical techniques in the field, usually in first class rate hospitals with better after-care than most U.S hospitals.

Medical tourism is booming in Argentina, Brazil, Colombia, Costa Rica, Panama and Mexico, perhaps with Brazil and Colombia among the world leaders in elective cosmetic procedures. In a a continent where so much importance is placed on beauty (particularly female beauty) Latin American surgeons have honed their skills and helped develop some of the most innovative surgical techniques in practice today. But plastic surgery isn’t the only thing boosting the medical tourism industry in Latin America; even those seeking non-elective procedures such as fertility treatment, joint surgery or organ transplants will likely find more affordable treatment options than at home.

Although Latin America is generally considered the third world, it boasts many excellent clinics, cosmetic centers, and hospitals.  However,  it’s important to make sure that the chosen hospital, clinic and doctor has international healthcare accreditation. The majority of doctors who participate in medical tourism packages were trained in the United States or Europe or at the top universities and clinics in their respective countries. Unless the patient is very familiar with the country of choice and the doctor who will be performing their procedure, it’s a smart idea to go through a Medical tourism company, which will arrange everything from the hospital, to lodging, meals, the operative doctor, aftercare and post-operative excursions.  Keep in mind  that although there are plenty of first rate medical facilities in Latin America, there are also an equal number of subpar facilities; going through a medical tourism company can help assure quality and satisfaction. Patients should also keep in mind that a tropical climate means that there may be infections and diseases not found in Europe and the United States and patients should obtain all required vaccinations before heading south.

One of the reasons that medical care is so much cheaper in Latin America than in the United States is because Latin American health care professionals earn about 20% of what American health care professionals earn and medical malpractice suits are rare and difficult to win. Although lower wages help keep medical costs down,  if something goes wrong during or after surgery, the chances of a patient successfully suing the hospital or doctor are slim to none, a factor individuals should keep in mind before deciding to seek medical treatment abroad.

Most importantly, it’s important to do research and contact several medical tourism companies to find one that’s right for you. Medical Nomad (www.medicalnomad.com) is a great source of information in the realm of world-wide medical tourism and allows users to find accredited providers and hospitals in Latin America. In addition, the website provides plenty links to medical tourism articles and information in various countries. Some popular agencies include: Healthbase (www.healthbase.com); Medretreat (www.medretreat.com); WorldMed Assist (www.worldmedassist.com); Planet Hospital (www.planethospital.com). Most of these agencies can help potential patients arrange cosmetic, dental, weight-loss and non-elective procedures.

How did Zell get started? Most business tycoons on Forbes’ list of billionaires have to start somewhere. Zell started out renting homes to students and friends at the University of Michigan while attending law school. He bought and sold distressed property during the crises in the 80s. He eventually owned over 225,000 properties throughout the United States. He was born to Jewish immigrants from Poland that moved to the United States right before the Nazi invasion in 1939.

According to different sources there is a housing deficit of somewhere in the neighborhood of 7-9 million homes in Brazil. This year the Brazilian Government lauched a program called Minha Casa, Mihna Vida (My House, My Life). It has plans to subsidize and finance the construstion of 1 million homes for poor and lower middle class families. Brazil historically has high interest rates, but in recent years rates has come down significantly to around 9%.

Real estate companies in Brazil are taking advantage of this growing market. Giants like Lopes and Brasil Brokers, two of the largest real estate brokerages in the country have seen accelerated growth in recent years. In 2007, Brasil Brokers raised money on the Brazilian stock exchange and has been growing through acquisitions. Headquartered in Rio de Janeiro, they currently operate in 15 states throughout Brazil. The real estate franchise model is not as prevelant in Brazil as the United States or Europe, but Century 21 recently set up shop in Sao Paulo and has goals of growing to 1000 offices in the next decade. Lopes, one of the oldest real estate companies in all of Brazil has been growing its profits at a fast pace. Lopes posted Pro-forma Net Income of R$17.5 million (~$10 million USD) in 3Q09, increasing by 61% over 2Q09 and by 66% in relation to 3Q08. The company recently signed an agreement with online real estate marketplace VivaReal, to begin commercializing new construction projects as well as properties listed by its franchise arm Pronto Imoveis. VivaReal is founded by Brian Requarth, Web entrepreneur from California. The company is focused on building the largest marketplace for buying and selling real estate in the country. Having launched in May 2009, they are off to a good start with a few hundred thousand home buyers using its site to find properties throughout Brazil on a monthly basis. VivaReal is going after the +$1 billion that is spent on real estate advertising in traditional media in Brazil each year. With increased investments in real estate and more internet users than Germany, the company has a lot of room to grow.

With the recent announcement that Brazil will host the Olympic games in 2016 coupled with the World Cup in 2014, all eyes are on this emerging country with incredible potential. Some have compared Brazil’s current status right now to the United States in the 1950s. With a AAA rating from several major credit rating institutions and outstanding press from publications like The Economist, investors like Zell are counting on big returns in Brazil.

Sueli Pacheco is one of several highly respected real estate professionals from Sao Paulo whom believe that the worldwide economic crisis has indeed exerted great downward pressure on the Brazilian real estate market but nonetheless claim that the Brazilian real estate sector is strong enough to continue to grow; “simply at a slower more sustainable rate,” believes Mrs. Pacheco who says that:

“We expect this second semester to perform quite well. Key indicators show real estate appreciation will continue its upward path; just not as accelerated as before…”

The Worldwide Economic Crisis Is Having Very Little Effect On Both Brazil’s Residential as well as Commercial Real Estate Markets

Other very reputable professionals such as Celso Kocinas, Owner/Director of Zylber Assessoria Imobiliária — whose focus is primarily on the commercial real estate sector — tell us that Brazil is in very good shape right now. Even more astonishing is the belief that it is expected to continue to be that way.

“Demand for commercial real estate (stores, shops, offices, etc.) is extremely high right now. Property value and appreciation has been significant and rental rates are high. The real estate sector in Perdizes for example [a neighborhood in Sao Paulo] is very strong regardless of the economic crisis or the falling US dollar.” claims Mr. Kocinas who further says that:

“Everyone is looking to rent commercial property. If I had a handful of shops to rent out right now I could rent them out very quickly.”

So Where is all This Upward Pressure Coming From?

The downward pressure on Brazil’s real estate sector is definitely a consequence of worldwide economic turmoil, but where is the upward pressure coming from? Why do real estate professionals such as Mrs. Pacheco and Mr. Kocinas think so highly of this market?

* The Brazilian government is making major investments in infrastructure.
* Brazil’s Central Bank is continuing to lower interest rates.
* Brazil is continuing to see strong growth throughout the construction sector.
* The Brazilian government has raised the lending cap for Brazilian workers which are buying homes through government backed programs.
* In the past couple of years we have seen more and more real estate trust funds (REITs) enter the Brazilian market.
* Tourism in Brazil is flourishing.
* The government has made great strides in reducing the red tape associated with foreign investment in Brazil’s real estate sector.
* Big name real estate internet portals have begun paying attention to Brazil thus giving the market even more foreign as well as domestic exposure.

Conclusion

Key economic indicators as well as the testimony of respected real estate professionals such as Celso Kocinas and Sueli Pacheco make Brazil’s real estate market seem highly shielded against the current global recession. The accelerated way in which the Brazilian real estate market over performed for the past couple of years may indeed slow down, but it is highly unlikely that it will come to a halt.

Brazil skyline photo kindly provided by flickr

Ricardo Matrone, Show Manager of SISP

Ricardo Matrone: The economic crisis in August of last year affected the strongest markets in the United States, Europe and numerous Asian markets. Brazil was also affected, but the scope of the crisis was not as broad as other markets. The crisis was primarily among banks that provide loans to builders resulting in a more superficial economic downturn. Despite the tougher environment, Brazil is still a growing market with a housing deficit providing great opportunity for businesses, entrepreneurs and investors. These types of opportunities are difficult to find in today’s current economic climate. Investors interested in the Brazilian market have the opportunity to come here and forge partnerships with companies that know the local market, but need financial support. There are many companies throughout Brazil, especially in the interior of São Paulo and the Northeast who have knowledge of the market, they know and understand what can be done to execute a successful venture, however, they need investors and partners.

Before the economic crisis investors had a lot of different options for places to put their money, but with the current situation investors look to emerging opportunities and Brazil has been identified as one of those countries, whether it be partnering up with an existing company or launching your own venture. This is the vision that we have in our planning, media and promotion of the Salão Imobiliário (Real Estate Expo) also known as “Property Week”. We want the event to resonate with important investors coming from outside of Brazil so they don’t lose out on the business opportunities presented during this action packed event. So far there is great interest, mainly coming from the U.S. through broker associations in Florida and other states that have closely worked with large Brazilian companies through partnerships in the past making them more connected to the opportunity. We just want to make sure that others are aware of this event so they can participate as an exhibitor or an investor.

LatinWorld: Are you also interested in attracting attendees and exhibitors from the rest of Latin America?

Ricardo Matrone: The São Paulo Real Estate Expo has positioned itself as the largest event of its kind in Latin America and it continues to grow in popularity. Not only are investors interested in Brasil, but they are also looking at other countries in Latin America. For example, companies in Uruguay, Argentina, Chile and Costa Rica were present last year as exhibitors showing their products to investors from the U.S., Europe and even Asia. So this event is not only about Brasil, but other parts of the region as well. On the other side of the coin there is a growing interest and a strong representation of projects in the state of Catarina in southern Brazil. You’ll see comercial and residential projects and in many cases there are Argentines that look to buy a secon home or investment do to the proximity to country.

Find out more about SISP clicking HERE

I miss my pup.  He’s up in the states chasing squirrels like an idiot, a relentless pursuit that will probably never bear fruit.  Pets – be it dogs, cats, hamsters, ferrets, and the like – are practically members of the family in the U.S. and Canada.  Leaving one behind is a very tough thing to do; thus, when considering moving to Latin America, a major question is “Can my dog/cat/etc come too?”  The answer is yes.  And depending on the country, the process is quite easy.

Mexico: With hundreds of thousands of visitors from the U.S. and around a million expats and retirees living in the country, Mexico is pretty straightforward in allowing pets across the border.

For dogs the main concern, of course, is rabies.  PROOF OF A RECENT RABIES VACCINATION IS THE MOST IMPORTANT DOCUMENT YOU CAN BRING!  Do not even attempt to bring Sparky into Mexico without one.  Fortunately, they are easy to obtain anywhere in the U.S.  This vaccination must be done at least 30 days before entry into Mexico but cannot be older than 1 year.  For dogs under 4 months, the animal must be kept at the owner’s residence in Mexico until it is old enough to get a rabies vaccination.  Cats and other animals do not need proof of rabies vaccinations.

Also, for all dogs its necessary to get a Certificate of Good Health from your vet.  This just says that, well, your pet is healthy, free of any contagious diseases.

With cats the process is a bit easier.  All that is needed is a Certificate of Good Health, obtained at any vet’s office in the U.S.  At the border your cat will be inspected, and if it is deemed that the animal is unhealthy, you will have to pay for kitty to be treated by a vet in Mexico.  But if the cat is healthy, then there are no problems.

Birds are a bit more of a hassle.  Some species are restricted by either the Mexican government for importing or the U.S. government for exporting.  You may even have to quarantine your bird at one of the U.S. Animal and Health Inspection Service’s center before going to Mexico.  It’s best to get in touch with them before planning to take your bird southward.  http://www.aphis.usda.gov/

Other animals, such as hamsters, rabbits, ferrets, and other furry critters are allowed into Mexico without much fuss as long as they are in good health.  Reptiles and amphibians, however, have restrictions depending on the species; check with http://www.aphis.usda.gov/ for specific information.

Costa Rica: The regulations for bringing pets in is similar to Mexico’s, with a few differences.

Both dogs and cats need proof of a rabies vaccination performed at least 30 days prior to entering Costa Rica, but no more than 1 year old.  Failure to have this document will result in a lengthy quarantine and many headaches.  They will also need the Certificate of Good Health form saying they are carrying no communicable diseases.

Birds are now allowed into Costa Rica; however, you are not allowed to take them out if you decide to leave.  So make sure the move is what you want if you plan on bringing a bird along.

Other pets such as small mammals and reptiles also require the Certificate of Good Health.  Some species may be restricted, so it is good to check with http://www.aphis.usda.gov/ first.

Panamà: Compared to Panamà, getting an animal into Mexico or Costa Rica is a breeze.  Panamà has more paperwork, more procedures, more headache – but don’t panic, LW is here to help.

For dogs and cats the usual forms – Certificate of Good Health and rabies vaccination – are the first thing you should get done in the U.S.  They are the same as the ones in Mex and Costa Rica and have the same time restrictions.  Additionally, you need to mail a $30 money order to the Consulate General of Panamà.  And, most annoyingly, you need to send a Quarentine For Domestic Animals form to the Minister of Health in Panama.  This must be done at least 3 days before the animal’s arrival.

Now here’s the tricky part.  Your cat or dog MUST be checked by a Panamanian vet at the Tocumen airport in Panama City, and the vet must be government-authorized.  Easy, right?  Well yes, except the vets only work from 9am to 3pm and from 7pm to 10pm Monday through Friday.  If your plane lands after hours or on the weekend, you either have to keep your pet at the airport until the vets go back to work or arrange for a government vet to meet your plane.  You can arrange this with the Ministry of Health, but will have to pay extra.

Birds and reptiles are a real pain to get into Panamà, but not impossible.  The first document you need is an import permit, which you get from the National Environmental Authority (ANAM).  Next, your bird needs to be vaccinated before arriving in Panamà for the following diseases: New Castle, Tuberculosis, Avian Influenza,  Chlamydia, and Salmonella.  Proof of these vaccinations must be included in the Certificate of Good Health.  Also, the Certificate of Good Health and the import permit must be certified by the Consulate in Panama before your bird arrives.

With such strict deadlines and procedures, it may not be a bad idea getting the help of an attorney in Panamà to assist you in bringing an animal in, especially if its a bird, reptile, or other kind of exotic pet.

Brazil: The land of samba welcomes pets; just make sure the paperwork is in order.

For dogs and cats the first thing you need is the rabies vaccination, which follows the same guidelines as the other countries: no less than 30 days and no more than 1 year since the vaccination.  Second is the ubiquitous Certificate of Good Health, obtained in the U.S.   However, with Brazil, this certificate needs to be authorized in the U.S. by an APHIS office.  Check their website http://www.aphis.usda.gov/ for an office near you and make an appointment (walk-ins aren’t allowed).  The APHIS signature costs $24.  After this step, take the certificate to a Brazilian Consulate in the U.S: for further authorization, which will require a money order of $20.

After all of the authorizations are complete, your pet is ready to go.  You only need two documents: the original rabies vaccination and the double-authorized Certificate of Good Health.

For all other animals an import permit is required, which must be obtained before the animal arrives in Brazil.  This form is obtained from the Ministry of Agriculture (Ministério da Agricultura, Pecuária e Abastecimento).

No quarantine facilities exist for pets at Brazilian airports.  If there are problems with the paperwork, the pet, be it a dog, cat, or iguana, will be sent back to the U.S. at the owner’s expense or destroyed!!

Do you have additional info on pet travel?  Hints or tips?  Success or horror stories?  We want to hear from you!

If you are looking to move down south, you can find Latin America real estate by clicking on the link.

photo provided by jorgenjuul at http://www.flickr.com/photos/jorgenjuul/309794248/

A bungalow at Dos Ganchos

By Patrick Connelly

While it may not sport the plethora of resorts that countries like Mexico offer, Brazil has recently built up a reputable armada of beachside all-inclusives and romantic getaways.  With over 7,000 km of coastline, the area is immense and options are numerous.  Here are a few of Brazil’s best resorts, with representatives from several different parts of the country.

1. Ponta Das Ganchos – Southern Brazil (Near Florianopolis/Sao Paulo)

Leave the kids at home.  Literally.  They won’t be allowed in.  Ponta Das Ganchos, located on a private peninsula, is Brazil’s most romantic getaway: no one under 18 is allowed.  Twenty-five beautiful bungalows situate perfectly between the white beach and the lush Atlantic Forest, creating an intimate, isolated environment while offering top notch amenities.  From spas to movie theatres to massage tents, Ganchos has everything a couple needs and more.  The resort also sports one of Brazil’s finest diving areas at nearby Arvoredo Island.

I’s seclusion and luxury at the highest level, and such privilages do come at a cost.  But the location is not only picturesque, but also very convenient; the resort can be reached easily from Rio, Sao Paulo, and Buenos Aires.

2. Rio Das Piedras - 45 Minutes from Rio de Janeiro

This resort you can bring your kids to.  In fact, this Club Med creation caters to the young extremely well, and is a perfect place for a family vacation.  Its everything that you’d expect from member of the Med hegemony: quality, efficiency, and a well-rounded approach.  Das Piedras, a stone’s throw from Rio de Janeiro, has plenty to offer the kids as well as the parents, from waterskiing to spa treatment to archery lessons, all included in the overall fee.  A massive 320 rooms, in both club and deluxe sizes, means that getting a room is not nearly as hard as it is at Dos Ganchos, but on weekends the resort can get crowded with Paulistas from Sao Paulo and other cities.

Das Piedras also offers great dining and bars, most of which is included (some old wines and spirits are not), as well as Club Med’s famous monitors that keep watch over the kids while parents relax.

3. Blue Tree Eco Resort Park - Angra dos Reis (90 miles from Rio de Janeiro)

Another resort that is a favorite of weekenders from the large cities, Blue Tree Eco Resort is part of the Blue Tree Hotel chain and is a top quality destination for families and couples alike.  As the name suggests, Blue Tree is focused around a natural experience, combining the beauty of the surrounding environment with modern perks.  Numerous small, tranquil bays and islands dot the coastline while the Atlantic Forest covers everything in brilliant green.  Many of the resort’s activities are centered around this unique setting, with extensive canopy walking through the forests and watersports amidst the islands.  Along with Das Ganchos, Blue True also has some of southern Brazil’s best dive spots.

View at the Enotel Resort

Many people have been asking about property ownership in Brazil, and specifically about purchasing real estate through a foreign (non-Brazilian) company.  The short answer is yes, you can buy real estate this way, as opposed to using your personal name.  However, the process is lengthy and complicated.  That’s why we are here.

LatinWorld.com’s in-house Brazil expert, Diego Simon, is a native brasileiro with years of experience in the real estate market there.  Here´s what he had to say about the subject:

“The whole process may take from a few weeks to a few months (editor’s note: what in Brazil doesn’t take a few weeks or months?).  The first requirement for the process of real estate acquisition in Brazil by a foreign company is a previous authorization of the CDN (Conselho de Defesa Nacional). To acquire real estate, the foreign company needs to register at the “Secretaria da Receita Federal”, obtaining a tax number called CNPJ (Cadastro Nacional de Pessoa Jurídica).

‘The register of the company must be formalized with an inscription at the CADEMP (Cadastro de empresas da Área do DECEC), which is the Department of Exchange and Foreign Capitals (Departamento de Capitais Estrangeiros e Câmbio).  The request is made at the Central Bank of Brazil (Banco Central do Brasil).  To start the process, it’s necessary to have a photocopy of the company’s constitutive act, authenticated by the Brazilian Consulate at the company’s country of origin, and translated by an authorized translator in Brazil.

‘We strongly recommend the guidance of a specialized lawyer, with strong knowledge of Civil, Comercial, Tax, and International Laws in Brazil, to intermediate the buying process according to the Brazilian laws and, at the same time, preserve the interests of your company.

‘On the other hand, the acquisition of real estate under a personal name is much more straightforward.  It is recommended if possible, because the only requirement is the registration for a Brazilian CPF (Cadastro de Pessoa Física).”

Here is the official law on the subject, albeit in Portuguese.  “IN 568 de 08/09/2005, Art. 11 itens 5,9 e 10 da alínea “a”, combinado com os itens 1 a 6 da alínea “b” do inciso XIV do Art. 11 da Instrução Normativa do BACEN de n° 568 de 08/09/2005.”

Similarly, Cristina Adam from Kapital International had this to say:

“Your company will have to be registered as a tax payer. A property bought under a person’s name  registers with CPF, and companies register with CNPJ.  So the registered address can be the new property address and the documents required will be the social contract of your company and the passports of the owner(s) of the company.”

With such a complicated process, it is definitely in your best interest to find a top notch real estate attorney that understands the ins and outs of not only real estate ownership in Brazil, but also foreign company investment.  This will go a long way in making this process much smoother.

To browse Brazil real estate listings, visit VivaReal. They have a growing database of Fortaleza real estate, Florianopolis real estate as well as other cities.

Se o Português é a sua língua nativa, você pode visitar o portal VivaReal para buscar imóveis em São Paulo, como apartamentos em São Paulo e casas em São Paulo.

photo provided be luiz at http://www.flickr.com/photos/graduale/354513902/

The famous Hercilio Luz bridge alight

By Patrick Connelly

Florianapolis is a city cursed with names.  The current label is in reference to Floriano Peixoto, who was Brazil’s president from 1891-1894 and is accused by many residents of the city of being a brutal dictator that murdered hundred in the area during his administration.  Not exactly someone to build statues of or name streets after.  But, alas, he gets his own city.  However, the alternative is just as cacophonic.  Many residents are campaigning for the name to be restored to its original moniker: Our Lady of the Banished.

Despite its inability to come up with a suitable name, Florianapolis is booming.  The island city – well, half of it is on an island – has become a tourist and expat destination for adventurous people all over the world.  Great beaches are in no short supply and the climate, while still tropical, is not the same scorching heat that typifies some of the more northern cities.

Surfers first made the city famous abroad during the 1970’s and 80’s with the discovery of incredible wave breaks at the Joaquina and Campeche beaches, both of which are still hugely popular today.  Already frequented by Brazilians as a prime weekend destination, foriegners soon began to flock to the “magic island” in the 90’s and a healthy English-speaking expat population now exists.

The island, which is the main tourist and expat draw, is divided into north and south sections.  The northern half has seen the majority of tourist attention and thus has the hotels, popular beaches and nightspots, etc. etc.  Along with Joaquina and Campeche, the north also has uber-popular beaches like Jurere and Inglesias, popular among partygoers, expats, and families alike.

Conversely, the southern part of the island has been able to retain a way of life that has existed for hundreds of years.  Portuguese immigrants from the Azores islands arrived to the island in the 18th century and set up a fishing/agriculture society which is still evident despite the growing number of surfers and sunbathers around their fishing nets.  For the foreigner, the south offers a a refuge from the sometimes crowded north and, despite being underdeveloped in terms of tourist infrastructure, still has a number of hotels and real estate opportunities.

The island of Santa Catarina, on which the city is located, has been named by Newsweek as one of the most dynamic places to live in the entire world (http://www.newsweek.com/id/46125/page/12).  It is an extreme mix of traditional shrimping villages and modern skyscrapers, of bikini-clad women and sleepy hamlets.  Each year hundreds of foreigners fall victim to the spell of the “magic island” and now call it home.

Florianopolis can be reached by air from almost any city in Brazil and is a only a short flight from both Sao Paulo and Rio de Janeiro.

Here’s a video about the region

If you are interested in renting or buying Florianopolis real estate, visit VivaReal.

cover photo by Joao H at http://www.flickr.com/photos/john_jones/1537275160/

first photo by Eduardo Cavasotti at http://www.flickr.com/photos/cavasotti/16306955/

second photo by Pablo O Palmiero at http://www.flickr.com/photos/pablopalmeiro/2856353153/

Getting pensions transferred to Brazil can be a big headache if one is not prepared before hand. I’ve heard the process called “impossible” and “exhausting”, among other things, but these comments usually come from people who haven’t actually gone through it. In reality, with careful planning the process is quite easy, if not a bit long.

Pension Requirements

First off, Brazilian pension requirements for U.S. retirees are a bit steep at $2,000 U.S/month. This number is always subject to change, and with an increasing number of retirees looking to Brazil, it may certainly lower. This $2000 requirement covers the pension holder and two dependents, all of which will receive permanent resident visas. Additional dependents require proof of an additional $1000 in pension funds per month.

What You Need

This is the tricky part. Paperwork, paperwork, paperwork. The cost of living in paradise.

Background Information:

1. Visa application forms. The Brazilian embassy says you need two per applicant, but I’ve also heard three are necessary. Better to be safe than sorry.

For dependents under the age of 18, a copy of the birth certificate is needed as well. Also, their visa application forms must all be co-signed by the minor’s parents or legal guardians and then notarized by a Notary Public.

2. Photos. Again, the embassy says two per applicant, but I’ve also heard three. Either way, passport-style photos are the best, the ones you can get made at any Kinko’s or Walgreens. Just don’t bring a cut out photo of you at the office Christmas party. That probably won’t fly with Brazilian authorities. Avoid the headache, get the pictures made where they take passport photos.

3.Marriage, birth certificates. Depending on the number of dependents attached to the pension. Spouses need both the birth and marriage certificate, while children only need the birth documents. If you are flying solo, of course, only your birth certificate is necessary.

4. Copy of passport information. Just a copy of the information pages of the passport. The pension holder and all dependents must have a copy of their own. I’m really happy you went to Fiji last year, but don’t make copies of the country stamp pages. Not needed.

5. Criminal Record. Well, a non-criminal record would be better. This is time-sensitive, so plan accordingly. A complete criminal record check by the Federal Bureau of Investigation must be done within 90 days of your planned move to Brazil. Any record check older than 90 days is useless and the process will have to start again. The records check is necessary for all dependents over the age of 16. Check this link out for more info in the FBI background check:

http://travel.state.gov/travel/tips/emergencies/emergencies_1201.html

6. Proof of Residence in wherever it is that you currently live in the U.S.

Pension Information : With all the red tape done, its time for your pension paperwork.

7. Proof of Retirement. A statement from the Social Security Administration saying that indeed you are retired and receive x amount in pensions. If applicable, the form should state both the lifetime portion and the temporary portion. For more on this statement, click here:

https://secure.ssa.gov/apps6z/isss/main.html

8. Proof of Pension. Documented proof, provided by your pension provider, of the amount that you receive on a monthly basis. Of course, this must equal or exceed $2000 U.S./month. Additional dependents must be covered by the amount as well, an additional $1000 U.S. a month. Again, it is good if your provider can state the long-term and temporary portions of your pension.

9. Bank Statement. A statement from your bank is necessary, stating that $2,000 (or more) of your pension fund can be transferred to Brazil on a monthly basis.

Photo from flickr

The phenomenon of a deserted beach becoming an overnight sensation is baffling. It is not as if the lonely beach was covered in ugly rocks and awash with muddy water one moment and the next pristine white with turquoise surf, prompting hoards of sun worshipers to descend on it. No, these hidden gems have been unchanged for hundreds if not thousands of years. Yet still people will cram ten people to every square yard on the beaches of Panama City, Florida.

The coastline of Brazil’s Paraíba state is one of these hidden gems. Largely ignored because of the popularity of surrounding areas, like Recife to the south, the Paraíba coast boasts incredible opportunities for investors, retirees, and the curious tourist alike. Transport and infrastructure are well set up, the government is eager to promote the region as enticing to foreigners, and real estate prices are still cheap.

The state’s coastline is dominated by the capital city of João Pessoa, one of Brazil’s oldest (founded in 1585) and home to over half a million residents. With that kind of mileage under the hood, the city itself is a time capsule; churches, mansions, and theatres, blasted by centuries of salt breezes, are just some of the cool cultural things to explore. Local expats from around the world claim that Pessoa is the most peaceful, easy-going large city in northeastern Brazil, which is a bold call given the northeast’s famous laid back attitude.

Other cool things about Paraíba and João Pessoa:
The city is the eastern most point in South America, meaning residents are the first to see the sunrise in all of the continent. But I’ve got be honest, its been a while since I have gotten up that early.
The international airport, Presidente Castro Pinto Airport, just went through an expensive renovation ($R38 million)
The mega-tourist city of Recife is only 20 minutes away by air, or 1.5 hours away by car
João Pessoa is the second greenest city in the world according to the United Nations, following Paris. The city is known for incorporating the Atlantic forest into its extensive park system, with 600 hectares within the city limits.
The Paraíba Tourist Board claims that tourism is growing at a rather incredible 70-80% per year.

The beaches, of course, are the main draw to this area, and they do not disappoint. The capital itself has over forty kilometers of pristine, postcard-quality white sand, fringed by idyllic giant palms and glasslike sea. Just outside the city are the real trophy praias. Significant attention is being paid to the two beach communities of Tambão and Cabo Branco, both a short drive from the airport. Already several European countries – led, strangely enough, by the Swedes – as well as the U.S. and Canada have shows interest in buying coastal property for development.

Yet real estate prices remain low. There is ample, beautiful land available and the time is prime. The Brazilian government certainly believes in the potential of Paraíba; just recently it has allocated $R1.7 billion in funds to improve the region’s infrastructure. The government sees it as a sure bet. For the prospective investor, it is truly an opportunity to beat the gold rush.