“In order to talk about property value appreciation [in Brazil] you must first consider what effect the global economy has had on the country as a whole,” claims Sueli Pacheco, Owner/Director of Pacheco Imóveis in Sao Paulo.

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

By Liz Small

Contributing writer to LatinWorld.com

Please look before you leap.

After reviewing the many articles that are available on the Internet on the subject of relocating to Panama and discussing the subject with friends and neighbors, we (a handful of full time Panama expat residents) thought we would try to present a realistic view of the “Good, the Bad, and the Ugly” of this major life style decision.

The Good

Depending on your choice of location in Panama, you will find the beaches and the beautiful oceans close at hand.  They are typically warm but breezy, thoroughly refreshing, and relatively clean.  Speaking of water, that which is intended for consumption, is fresh, pure, and entirely drinkable.  There are areas, however, where thoughtless use of pesticides has resulted in the need for the installation of home purification systems.

If gardening is your thing (or even if your prefer to just supervise), you will find an amazing array of tropical flowers (with orchids being particularly hardy and with many varieties available) and trees to plant throughout the year – different things during the two seasons, the rainy and dry months.  The climate consists of these two periods, both lasting approximately 6 months.  The dry season (or summer) starts in late December, early January and ends in mid May.  The rainy season (or winter) gets going around mid May and lasts until mid to late December.  Typically, a day in the rainy season begins with the sun out and clear skies. Then in the early afternoon, there is rain for an hour or so, and then the sun reappears.  Temperatures throughout the year (again depending on location) only vary 10 degrees or so (75-85 degrees during the day), the dry season being the higher.  The climate encourages a particularly lush environment which, in turn, provides the perfect habitat for a host of colorful birds, native animals, and exotic looking – some say “beautiful” – insects!

We have all found these things (the proximity to great beaches and oceans, the ability to be surrounded by a vibrant landscape while enjoying the magnificent weather) have greatly contributed to an easy adjustment to life in Panama.  Helping as well are the great roads which lead to many interesting sites and cities, the moderate cost of living, and the ability to meet and enjoy the Panamanian people.

The Bad

Favorite pastimes (reading best sellers, knitting, gourmet cooking, chatting endlessly with family members on the phone, or even receiving letters) sometimes have to be finessed or eliminated altogether.  Bring a good supply of books in the language of your choice – unless it’s Spanish, then “no problemo” – and encourage guests to bring some along with them when they come for a visit.  Ditto any special hobby needs or exotic ingredients which may be in short supply or unavailable altogether!  Better get hooked up on Skype or some other communication modality and be email literate.  Calling internationally and receiving mail is pricey!

Before you buy a piece of ground to begin to have your dream house built, please take into consideration the following:  the “ mañana” factor!  Everything goes at a slower pace here and there is no sense of urgency.  If you have left your ability to be patient wherever you have moved from, please go back and get it.  If you were never a patient person to begin with, please think long and hard about building versus buying an existing spec house or resale.   Retrofitting an existing structure is much easier than building from scratch.  Ask folks who have “been there, done that” and you will soon discover the wisdom of this advice.  By the way, those folks you asked for advice, they are your new “family” so try to listen carefully to what they are telling you and profit from their experience.  After you have listened and actually followed what they have told you and saved yourself no end of pain and expense, not to mention aggravation, have them over for dinner as a way of saying “Thanks”!   They may become your new best friends!

The Ugly

Have you have started to think Panama is synonymous with Utopia?  There are a few challenges of which you must be aware.  Traffic in Panama City can be daunting.  The lack of street signs combined with the curious driving habits of the cab drivers can often result in a hair-raising experience.  Are you used to having everything available at all times and in close proximity?  Unless you choose to live in Panama City, you will not enjoy that luxury.  Many  items (produce and paper goods to name two) have to be imported and therefore will not always be on the grocery store shelf and will be a bit more expensive due to importing costs.  We have a saying in Panama: “If you see it and want it, buy it!”  It may not be there the next time you go looking.  Also, there is a suspicion that some manufacturers send goods they would not be able to market elsewhere to Panama.  Quality can be an elusive characteristic.

Bienvenidos a Panama!

front photo provided by ethantate at http://www.flickr.com/photos/ethantate/2750089356/

first photo provided by seracat at http://www.flickr.com/photos/mserarolsbcn/3370563337/

second photo provided by Alexander H.m: Cascone at http://www.flickr.com/photos/cascone/1295936293/

By Patrick Connelly

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/

By Patrick Connelly

With seemingly unlimited picturesque landscapes to work with – from cacti-strewn deserts to sandy beaches – the world’s most renowned golf course designers have made Mexico a playground for fans of the gentleman’s game.  Whether you think you are the successor to Tiger Woods or only use that $400 driver a dozen times a year, Mexico has stunning, challenging courses throughout the country.

Just as in the U.S., there are both private and public courses, with the former sometimes being extremely exclusive.  So if you aren’t willing to dish out half a million dollars on a resort condo to gain access to the links, public courses are the way to go.  But these are no coach-cabin second class fairways; conversely, Mexico has several top-notch public courses at decent values.

1. Cabo del Sol Golf (Ocean and Desert courses)

10% of every green fee goes to putting cool logos on golf balls

Located close to Cabo San Lucas, the Cabo del Sol courses are two of Mexico’s signature public masterpieces.  The ocean course, an 18-hole, 7,103 yard work of art borders the Sea of Cortez and has been named as one of the top 100 courses in the world. Designed by the famed Jack Nicholas, it has been the host of several Senior PGA tour events and ProAms in its 15 year history.  The course has also been described as the “Pebble Beach of Mexico”, albeit by Nicholas himself.  Regardless of the designer’s self-aggrandizing, the ocean course is a true joy to play and continually receives high marks in Golf Magazine and Golf Digest. The clubhouse itself worth the trip; a 40,000 ft. haven inspired by local architecture offers fine dining, stocked golf store, and much more.  With quality comes costs, however; prices range from $125 to $350 depending on the tee time and the month. http://www.cabodelsol.com/content/golf_ocean.html

The desert course, on the other hand, is dominated by sand, rock, and cacti (imagine that).  Designed by Tom Weiskopf, this 18-hole course rolls through 7,100 yards of intimidating elevation shifts and difficult bunkers.  While it may often be overshadowed by its older and more illustrious brother, the desert course has been ranked as high as #6 in Mexico by Golf Digest. Like its brethren, the course’s clubhouse is based on classic Mexican architecture and offers all the glossy amenities to make a visit memorable.  A round of golf among the dunes will run you anywhere between $85 and $220. http://www.cabodelsol.com/content/golf_desert.html

2. El Tamarindo (Jalisco)

Learning the Spanish word for mulligan will help at Tamarindo

The best golf courses connect the sport with the natural beauty, creating a synthesis that puts the golfer into another environment.  The Tamarindo golf course, set amidst a 2,000 acre nature preserve, is a great example of this technique.  Plus its a damn fine course, 6,750 yards bordering the rugged Pacific coastline and fringed by tall palms.  Located in Jalisco, about 130 miles from Puerto Vallarta, Tamarindo has been ranked as high as #2 in Mexico and is perfect for amateurs and seasoned pros alike. http://www.eltamarindoresort.com/en/index.shtml

3. Palmilla Golf Club, Cabo

Another one of Jack Nicholas’ creations, Palmilla is unique because of it offers 27 holes in three mini-courses.  The Arroyo (stream) Nine, the Ocean Nine, and the Mountain Nine are all pretty much self explanatory in what the terrain is like.  Much like its neighboring courses in Cabo del Sol, elevations shifts are the golfer’s main enemy.  At 6,369 yards, the course is a difficult challenge, but with several sets of tees to play from, all levels of skill are accommodated.  Palmilla routinely gets high accolades yet is less expensive than many comparable courses in Mexico; fees range from $60 to $220 per round of 27 holes. http://www.palmillagc.com/index.html

4. El Cameléon Golf Course ( Quintana Roo)

On the other side of the country in the heart of the Yucatan is the impressive El Cameléon course.  A 7,000 yard Greg Norman creation, this course does an impeccable job combining the man-made with the natural.  Its promoters note that the 18 holes wind through three different environments: mangrove forests, beaches, and hills.  The Mayakoba Resort, which houses this stunning course, is a mere 30 minutes from the Cancun airport, yet seems a million miles away from civilization. http://www.mayakoba.com/index.html

5. VistaVallarta (both courses) – Puerto Vallarta

Foliage is slightly different than your neighborhood course in Ohio

Mexico’s two seminal course designers, Nicholas and Tom Wieskopf, team up at the Vista Vallarta resort to create a double offering of sweet courses.  The Nicholas course is a 7,000 yard par 72 built on high elevation, providing golfers with incredible views of Puerto Vallarta below.  Wieskopf’s creation is an exercise in extremes; he brilliantly uses the area’s unique characteristics offer an immensely challenging 18 holes.  Rates vary between $130 and $195. http://www.vistavallartagolf.com/

cover photo provided by tdwhite63 at http://www.flickr.com/photos/toms-pics/106817290/

first photo provided by happygirljen at http://www.flickr.com/photos/happygirljen/727793153/

second photo provided by Jessica New at http://www.flickr.com/photos/jessicanew/493938122/

third photo provided by stelter13 at http://www.flickr.com/photos/11383359@N03/2226482896/

If you are staying for a short trip you might want go for a vacation rental in Mexico or if you are looking for an extended stay you can see all types of Mexico real estate here.

By Patrick Connelly

It is, ultimately, the point where the process of living in Mexico diverges into two distinct paths.  The question of whether to rent or to buy – to purchase that clifftop villa on the Pacific or just rent a nice place in the nearby town – plagues many a prospective buyer in the U.S. and Canada.  The decision has more variables in it than a college calculus class, but here are a few things to take into consideration if you are having the same quandary.

1. Renting keeps your options open

If you are like me and have a total fear of commitment (relationships, locations, etc. etc.) then renting is perfect for you.  Well, that and if you are just not totally sure on living abroad for long periods of time or permanently, or don’t fancy investing money in a property in another country.  Renting can be a great option for the certain type of person, especially those new to Mexico.  Buying or building a house ties you down to that property.  Renting does not.  Simple as that.  If you find out that you hate Mexico and want nothing more than to stay in the U.S., it is much easier to cancel or see out a lease than it is to sell a home.  And if you want to travel around Mexico or Latin America for an extended period of time, it is usually easy to sublet your rented property to recoup some of the losses.

2. Buying a house is an investment

While the global recession has driven down home prices in Mexico in recent months, owning a home south of the border is still a great long term investment.  The Mexican economy hasn’t been hit as hard as the U.S. has and the situation north of the border will recover in time.  In fact, many real estate professionals are predicting a strong buyer’s market in the coming months in hotspots like Puerto Vallarta and Cancun.  With a bit of shrewd cunning great deals can be found these days and when the markets bounce back – and they will – owning a property in Mexico suddenly becomes a very, very valuable commodity.

3. There is far less of a financial investment when renting

Well, duh.  Financially speaking, it is definitely the “safer” of the two options.  While you certainly get more bang for your buck in Mexico than you do in the U.S., buying a home is still a major financial investment.

4. YOU own the house and deal with no one else

Anyone that has dealt with landlords knows it can be a real headache.  Its no different in Mexico.  The fact that you do not own your rental property and have to answer to a higher up may lead to squabbles over anything from redecorating to rent to leases.  Choosing a good rental management company can prevent conflict if you want to rent.

On the other hand, when you own a house, you decide what goes in it, what additions will be put on, etc. etc.  You are your landlord.

5. More choices when buying

Odds are, you will find a property for sale in Mexico that matches your desires before a rental.  There are just more options out there to choose from. Rentals are only ultra popular in certain areas frequented by vacationing tourists, while good homes for sale exist everywhere.

The choice ultimately comes down to you.  Owning a home in Mexico can be the experience of a lifetime, but it isn’t for everyone.  My advice would be to rent a house for a few months in your desired location….get to know the culture, climate, and lifestyle.  If you fall in love with it, jump in.  If you hate it, simply back out or try a different region of Mexico.  This is by far the smartest approach to take – many a gringo have made impulse buys after a two week vacation in Cancun or Cabos and ended up with a house they later realize they don’t want.

photo provided by Ze Eduardo at http://www.flickr.com/photos/97968921@N00/756377225/

This one’s for you guys. Which is better, the inland haven or the Caribbean getaway? We want to hear from everyone…tourists that have visited as well as expats and retirees currently living there. Voice your opinion below.

photo provided by cocolimemonkey at http://www.flickr.com/photos/locachica/2926141774/

The fourth in a series of articles comparing Central America’s two leading expat and retiree destinations.  Costa Rica is the more established of the two, but Panama is the upstart new kid on the block with a full head of steam and a pocket full of dollars.  Who will come out on top? Read more and find out.

Click here for Round 1: Retirement Benefits

Click here for Round 2: Climate

Click here for Round 3: People and Culture

Round 4: Things to do

If you are going to pack up (or sell) everything and move to Central America, you might as well go somewhere where there is stuff to do; after all, you can only sit on the porch and drink so many margaritas before it becomes mundane (or does it…).  In this matchup, the cultural and outdoor activities of each country are looked at and a winner decided.  Round four, begin!

Note: While sitting on the beach all day is fun, it can be done in both countries with equal laziness. Thus, beachbumming does not count as an activity.

Costa Rica

Expats, retirees, and tourists wouldn’t have been flocking to CR for two decades if all there was to do was sit on the beach all day.  For a tiny country, Costa Rica boasts a huge array of attractions that can keep the average gringo busy for months, if not years.  Here are a few top picks, both in outdoor activities and cultural discoveries.

Into the wild:

1. Arenal volcano- Yeah, its been exploited more than Macauley Caulkin, but Arenal still is one of Costa Rica’s most impressive, and easily accessible, natural attraction.  Not only does lava commonly spurt from the top, but the surrounding area is popular for hiking, fishing, and canopy tours.

2. White water rafting- This is some intense stuff. The #1 river to raft is the Pacuare River, which not only offers a rush of adrenaline but also a chance to see virgin rainforest up close, without the mosquito bites.

3. Parque Corcovado.  It would be a sin to leave out Corcovado from any list.  This is the absolute best place in Central America to immerse oneself in the rainforest without going “Man vs Wild” Bear Grylls-style.  Far enough from the tourist trail but still within civilization, the park offers unparalleled access to plants and animals in their natural habitat.  And the hiking isn’t all that difficult.

Whats a Tico, anyway?

1. San Jose museums and opera house- not many travellers or expats spend much time in the capital, but the gold and jade museums, along with the Belgian/Italian designed opera house, are worth checking out to get some background on Costa Rica’s long history.

2. Grana de oro- Coffee is big time in CR, and even non-fans of the stuff (like me) will find the coffee regions intrguing.  The process, the climate, the scenery, plus the opportunity to taste and buy some of the “gold grain”

3. Craft shopping- Even the guys out there will enjoy this, as every manpad (or dining room…) should have at least one piece of badass foreign art that you can tell your friends about.  Despite not having a gloried pre-Colombian past, the country boasts some excellent handmade crafts, from pottery and dolls to colorful oxcarts, that are available for a fraction of what you would pay for them in North America.

While it can sometimes feel like you are being led around by the hand by tour guides and its often hard to go five minutes without seeing a fellow gringo, Costa Rica has a ton of activitis to offer, too many to list here.  The infrastructure is top notch, making even the novice traveler or expat feel comfortable.

Panama

In a country that is still being discovered by gringos, Panama has some really cool stuff for the expat, retiree, and tourist alike.

Into the wild:

1. Wildlife viewing- Rainforests and cloudforests dominate Panama, so there is no lack of opportunity to get out and see some nature.  The famed Pipeline Road is close to the capital in the Soberania Park and is great for birdwatching, and the Baru National Park in Chiriqui is well known for its Quetzal birds.

2. Tree canopy adventures- scattered in forests throughout the country, these “rides” consist of a person being harnessed and attached to a zipline, then literally flying around the forest canopy from one platform to another.  Really cool, safe, and a total adrenaline rush.

3. Diving and snokeling- Get off the beach and into the water.  Around Portobello, Isla Grande has well-established dive programs and Bocas del Toro offers some untouched diving spots.

The canal and more

1. Panama Canal- Every tourist, expat, and retiree should see the canal in action at least once.  Not only is it really a remarkable feat of engineering, but also a big part of each Panamanian; a true source of pride.  If possible, book a trip from the Pacific to the Caribbean or vice-versa.

2. Portobello- Steeped in history, this Caribbean town was once one of the most important cities in the Western hemisphere.  Some of the most famous pirates fought brutal campaigns in and around the town, and the ruins are quite amazing and the tourist infrastrure well set up.

3. Go native- Panama boasts some pretty unique and accessible indigenous tribes, each one being different in some way, beit customs or language.  The Embera people mainly inhabit the dangerous Darien forest along the border with Colombia, but a few communities have made their way to the Chagres River by the canal area and welcome visitors daily.  Along the Caribbean coast, the Kuna people make their home among the 400 islands of San Blas, so visitors are treated to an incredible setting as well as indigenous customs.

Round 4 winner: Costa Rica. This was a close one, but Costa Rica’s far superior infrasture gives it the edge.  While this might not appeal to everyone, CR is just more accessable than Panama; however, given the right oversight Panama could easily equal, or even surpass, Costa Rica in terms of cool things to do. And man, Corcovado just plain rocks. Score: Costa Rica: 2, Panama: 1, 1 tie

Voice your opinion below.  Agree, disagree, or have additional info thats been left out?  We want to hear from you…

As the H1N1 Swine Flu enters its second full week of being the world’s #1 news story, Mexico – ground zero of the whole mess – continues to be hit the hardest.  Mexico City is still in full lockdown mode in an attempt to contain the virus, with nearly all commerce stopped.  Despite not reporting large numbers of H1N1 cases, the tourist and epxat hotspots on Mexico’s coastlines are reporting incredible losses as gringos stay away: Rodrigo de la Peña, Cancun’s hotel association president, says that reservations are down 30% and still dropping quickly.  Here’s a rundown of how Mexico’s top destinations are being affected.

Acapulco

99.9% of the time its good to be the favorite beach destination for a city of 25 million, but alas the coastal resort town is experienceing that .1% right now.  As wealthy residents of the capital enjoy a mini vacation, and with much of Mexico City closed, many are flocking to ‘Pulco for some fun and sun….but in the eyes of the town’s residents, they are potentially bringing the dreaded flu along with the sunscreen and beach towels.  And they aren’t happy: Police report that as many as four cars with Mexico City plates have been stoned by Acapulco residents as they entered the town. So much for a warm welcome…

Despite Covadonga Gomez, the town’s hotel and tourism cheif, publicly pleading with capital city residents to stay away from Acapulco, a steady stream of vacationers made the five hour trip from Mexico City last weekend.  And while Apaculco officials reiterated the fact that every restaurant, bar, and disco were closed, many establishments deemed the almighty dollar, er, peso, was too much to ignore.  High profile places like Señor Frog’s and Sibu were open for business and reportedly quite crowded.

Cancun

It’s without surprise that Cancun, which relies so heavily on foreign tourists and expats, is getting economically kicked all over the place by the flu outbreak.  As soon as news of the flu began, most cruise lines cancelled their stops in Cancun and the rest of the Maya Riviera, taking away the lucrative invasions of cruisegoers.  Hotels are reported to be half empty with cancellations coming in every hour and outbound flights are jam packed with tourists trying to flee.  Additionally, many European and U.S. airlines have cancelled or cut back the number of flights to Cancun since the confirmation that several New York students have the H1N1 virus and also just returned from the resort town (no official link between the two has been found, however).

Mónica Roberts, operations chief for Real Resorts in Cancun, reports only 20% of the rooms are full at a time when 80-90% should be, according to the Washington Post.

Following local leaders’ insistence that not one case of H1N1 has been confirmed in Cancun or the state of Quintana Roo, tourists and expats in the area report that there seems to be a hush-hush attitude held by hotel staff, restaurant waiters, and just about everyone else with vested interest in the tourist industry.  Without foreigners, Cancun will suffer terribly, and for now it seems like it is just doing enough to keep its head above water…

San Miguel Allende

San MA, and the state of Guanajuato in whole, has not confirmed one case of H1N1 and the population is reported to be quite healthy.  Despite this, fear and panic have taken over many of the citizens of this popular expat and retiree destination.  Like Mexico City, many of the public sectors have shut down and, unlike in the coastal resort towns, green facemasks have become the new fashion craze.  As with the rest of the country, schools are closed for the foreseeable future, but for the time being there is no H1N1 in the area.

Cabo San Lucas and the Baja Peninsula

The expat and tourist mega-destination that is the southern Baja Peninsula, including Cabo San Lucas, has been confirmed “Swine flu free” by the Mexican government, however, this did not stop Rosarito officials from cancelling Cinco de Mayo celebrations or several cruise line operators to cancel stops in Baja.  Tourist numbers are reported to be slightly down in the last week, but again, there have been no confirmed cases.

Have more information about the H1N1 flu in Mexico? Are you an expat, retiree, or tourist somewhere in this great country?  We want to hear your story!  Let us know whats going on in your community.

photo provided by Current News Stories at http://www.flickr.com/photos/currentnews/3489545692/

The third in a series of articles comparing Central America’s two leading expat and retiree destinations.  Costa Rica is the more established of the two, but Panama is the upstart new kid on the block with a full head of steam and a pocket full of dollars.  Who will come out on top? Read more and find out.

Click here for Round 1: Retirement Benefits

Click here for Round 2: Climate

Click here for Round 4: Things To Do

Round 3: People and Culture

If you are going to relocate, either as an expat or retiree, its important to know what your neighbors will be like.  Considering that most prospective expats and retirees don’t want to live in a country full of jerks, this article takes a look at the culture and people in both countries and determines a winner.  Round 3, begin!

Note: These are generalizations and not meant to include every citizen.  Also, food will be covered in another article.
Costa Rica

The oft-repeated generalization is that Costa Rica, in fact, has no culture.  This is impossible; even a land of brain-eating zombies have a culture of, well, eating brains.  The Ticos certainly do have a culture, albeit not as impressive as the Mayan-rich countries to the north.  And if culture is defined by recent social and political instability, then I think most Costa Ricans would be more than happy to have little of it.

CR is definitely the whiter of the two countries, with 97% of the population classifying themselves as white or mestizo.  Some Ticos will claim that there isn’t racism in the country, which is easy to say when you never really see Afro-Caribbeans or pure indigenous people.  In fact, Afro-Caribbeans were not allowed to leave the Limón province until 1949 (however, the U.S. had some pretty draconian racial laws at this time as well).  But alas it is the 21st century and for the most part all is well.

Ticos are generally conservative people who for the most part shun the weird and bizarre.  Additionally, they shy away from debate in an almost offensive manner as to, ironically, not offend anyone.  Perhaps that is the Central American key to political stability: don’t talk about politics, don’t stir the pot.  They will, however, do whatever they can to impress their guests and are extremely amiable.

Religiously, Costa Rica is a dominantly Catholic country.  However, the church does not have the kind of power or influence it does with CR’s neighbors; many Ticos claim to be Catholic but practice it more as a tradition than a lifestyle.  A crucial part of the country’s culture is its strong middle class, something of an oddity in Latin America.  It acts as a sort of homogenizing ease between the poor (yes, Costa Rica has poor people despite claims to the contrary) and the rich elite, smoothing over tensions by giving the poor an feasible economic ladder to climb.  Thus, coupled by the fact that the country has no army and no military budget, is the reason why the school, medical, and road systems are developed.

Summing up, Ticos are smart, kind people who wish to leave a good impression on visitors.  While this makes for a great vacation and you know your neighbors will be peaceful folks who invite you over for sunset dinners, the general disdain for healthy debate takes some of the spark out of conversation

Panama

Panamanians must be split up into two groups: those living in the capital, and everyone else.  Just about every city-dweller in the world makes fun of, looks down on, or thinks less of the hicks, rednecks, countryfolk, farmboys, etc etc that live outside the metropolis’ limits.  But the inhabitants of Panama City seem to have an indignation, nearly reaching hatred status, of everyone else in the country.  Once, when telling a Panama City friend of mine that I was going to go to the rainforests to the west of the city, he became perplexed and responded simply with “Why would you want to go there?”.  PCity is the place to be; if you don’t live there, then you haven’t made it to the top yet.  Thus the snobbish attitude that many capital residents have and the reason why two groups must be made when looking at the people and culture of the country.

Whereas Costa Rica is very, very white, Panama is a melting pot of races and cultures.  A healthy population of Afro-Panamanians, as well as several indigenous communities, inject a good deal of diversity into the country.  Additionally, the canal project and subsequent international trade has brought sizable enclaves of Chinese, Koreans, and Indians to the capital.  The diverse crowd, along with prosperous economic times, makes racism a mute point, although it does exist.

The Panamanian attitude, especially in the capital, is a combination of New Orleans’ “let the good times roll” and Las Vegas extravagance. The new found wealth that the canal and international banking have brought has fostered a forward-thinking capitalistic society that could care less about the past; in fact, I had a Panamanian history and culture professor in Panama City tell me that history is pretty much irrelevant and can even be a hindrance.Panamanians can be a bit more closed off than their Tico counterparts, but once the initial ice is broken they are as inviting as any culture.  They love to talk about anything, which is perhaps a vestige from their Colombian roots.  However, the wealthy elite, who are growing in number, can be a bit prudish and flashy.

Round 3 Winner: TIE.  While their timidity and political disassociation can get a bit annoying at times, the Tico’s welcoming vibes are irresistible and definitely add to the charm of the country.  Also, their predominately European heritage makes them unique in Central America.  Panamanians love a good party and are cool people, but the initial closed circles and penchant for the uber-rich to flash money around is a turnoff.  But the diverse racial mix of the country, including several indigenous groups and the Afro-Panamanians on the Caribbean coast, make up for any big-spending showboaters.