Tuesday 29 March 2011

Ship to Shore!

New Cruise Boat at the  Chapala Malicon


Posted Image


 Beginning this Easter Sunday,  tourists can enjoy a boat trip on Lake Chapala. Batur is a boat built by entrepreneurs in Jalisco and it will  tour the most attractive areas along the banks of Lake Chapala while passers eat and enjoy good music. The new Boat did it's test run voyage  which included a number of coastal mayors, officials, local businessmen and representatives of the media.

Lake and Mountain Tourism Service said the ship will formally begin operations this Easter and  it is considered to be the largest ship that has existed in Chapala, after the "Viking" and "Freedom" that ran between 1888 and 1940, during the golden age of sailing on the lake. Chapala has several passenger vessels but  this is the largest ship that has existed in Chapala.

It'll be docked at the Malicon waiting for your arrival! 
See you dockside,
Greg & Lori

Saturday 26 March 2011

Photos of Chapala........

http://www.flickr.com/photos/lakechapalamexico/sets/72157622595035762/show

Chapala is shown in the above link.  Many photos of the area, the lake, some of the beautiful homes nestled in the mountains, the old heritage train station, the mailicon and the some general shots of our town.

Our home is located about 5 minutes (by car) outside of the town square.  Close enough to the lake but far enough away from the noise of the town.   It is a community of approx. 200 homes called Chapala Haciendas.  All the streets are named after birds.  We're on Flamencos.
 Funny, going from "White on Black "to "Blancos on Flanencos!"
Oh, the noise of Mexico.  In the heart of the village, cars drive up and down the narrow cobblestone streets each day (all day!) supporting a loud speaker.  They are merchants advertising the daily specials.  Very much a step back in time!  The daily water delivery truck, the pepsi cola truck, the beer truck, the propane truck, the egg lady, the taco guy.........you get the idea.  All blaring their loud speakers promoting their wares.
Then there are the firecrackers!  Not your ordinary firecrackers, these are a closer relative to a bomb than a firecracker.  These things are set off day and night when it is "festival time".  And as we've come to learn very quickly, it's always Festival time in Mexico.  There are so many Mexican holidays and festivals, that'll be a blog of it's own to follow.........
Once the sun sets, the dogs begin their vocal display. You can sit and listen to each one in it's own domain barking to the other friends down the street.  As if to say, " It was a good day in Mexico today!"
Eveining parties begin in Mexico around 11 pm.   Music, Laughter, Dogs Barking, Fireworks and the sound of the night breeze..
Note to self - (add to Shoppers Drug Mart List - earplugs!)

Tuesday 15 March 2011

Life is Uncertain - - Eat Dessert First!

One of the many things we love about Mexico is the food.  Wonderful, flavourful dishes, warm spices and exotic colours make for the very best in eats!  We have not had the opportunity to sample the huge assortment of the local restaurants yet, but the few times we have, it was delightful!  The markets give way to a huge assortment of fresh veggies - some of which you simply cannot recognize.  Shopping for food is an everyday occurrence.  Heading to the market to buy the days freshest produce, meats and freshly caught fish  becomes a regular part of daily living.  How wonderful it will be in mid January to eat freshly picked veggies and fruit  - no more canned corn - yippee!
  Anyone who knows me, knows I love to cook.  I pride myself at being pretty good at it. Our Son Tyler and his girlfriend Jess bought me a really great Mexican Cookbook this past Christmas.  I'm excited to perfect a few special dishes in advance of their first visit.  Hey, maybe part of Ty's plan?
A very popular custom in Mexico is to have your large meal of the day at midday instead of in the evening.
This is called "Comida."  Comida is usually accompanied by a nice cool margarita, followed by a siesta!
Works for us!
The Mexicans LOVE their desserts.  Sweets are an everyday pleasure - the little corner bakeries are full of homemade cakes, cookies and pastries.  Greg, Mr. Sweet Tooth himself, walks past with glazed eyes and an ear to ear smile.   And to my Sister - " Sandy, you're going to love this place!"

Life is Uncertain--Eat Dessert First!





Sunday 13 March 2011

A Quickie!

Just a quick post ..... - Today we sold our home here in Rockwood and are happy to say we can now begin the adventure.  Lots to do with arranging movers, healthcare, dogs vet certificates, yard sale for items that we won't be taking with us.  Thankfully we did alot of the "purging" last fall.......this won't be too bad. We spent the day going through the house again and we agreed," this will be a breeze!"
Greg and I spent the morning kind of in a fog.  While we were happy to have sold our place we also are now faced with the reality of it all.  We are excited to begin our new adventure and at the same time reluctant to leave all that we love and know here.  Such a bag of mixed feelings............
Greg called his Mom today and told her the news - she cried on the phone telling him how much she is going to miss us both. Called my Sis, she too cried.. It sure is getting heavy.......... in more ways than one.
Our children have been so supportive of our plans, but I can't help but think that we will all miss the easy anytime last minute visits and  just knowing "we're all so close by." 
We will continue to post throughout our drive south as often as  wifi allows.  Our plan is to leave here the last week of April.
See you again when we're "On the Road to Mexico".
Over and out......
L&G
xoxo

Thursday 10 March 2011

No Guitar Lessons For Me!

I have decided to spend some of my"free time" helping out at the local animal shelter.  I had heard about Anita's place while researching the Lake Chapala area.  While Greg & I were down last June shopping for and purchasing our home, we took a cab and vertured out to see what Anita's was all about.  This lady is truly amazing.  I thought you may like to read a little about this wonderful lady and all the great work she does to help the many animals in need Lakeside.  I think Caesar Millan would be proud!...................

Anita's Animals.......San Juan Cosala, Jalisco, MX

Anitas Animals in San Juan Cosala MXAnita's Animals is a small cat and dog sanctuary located on a hill above the town of San Juan Cosala, in the state of Jalisco, Mexico by Lake Chapala.
Her animal sanctuary is not a fancy place, but it is a safe haven full of love and caring for those cats and dogs that are brought to Anita.
On any given day, there are 45-55 kittens and cats and 50-60 puppies and dogs in residence.
The cats and dogs live in a communal family type of housing arrangement, and not in individual cages or runs.
Anita came to Mexico in the late 60's, and for the last 20 years, she has been involved in cat and dog rescue. Even as a child growing up in Germany, she had a deep love and respect for animals, although she was not able to have a family pet of her own due to economic reasons. Her then unspoken mission in life, although it may not have started out that way, was to provide shelter, food and loving care for those unfortunate cats and dogs that were abandoned by human society. It started out as a small venture, taking in a few cats or dogs at a time and providing them with needed care, and finding them a loving home.
Anita's Animal Sanctuary Ajijic MXOver the last 12 years, this small venture, Anita's Animals, became a full time commitment and continued to expand and grow at the Lake Chapala area. Anita is not a person who has a animal sanctuary and spends only several hours a day there, she lives there. The cats and dogs she cares for live at her house in their own accommodations, right next to her unpretentious living quarters.
Anita has a few modestly paid helpers working six days a week, 4 to 6 hours a day, and they assist her with the general cat and dog care. That includes twice a day feeding, kennel cleaning , transporting to Veterinarian appointments, picking up donations when requested, responding to a phone call for help in rescuing a cat or dog, etc.. There are times when someone arrives at Anita’s house late at night asking for help with an animal that has been found along the road or in some other harmful situation. There have been other times, in the morning, she finds that someone has 'deposited' unwanted cats or dogs at her house. All of these scared and needy creatures are taken in – Anita has an open and generous heart and does whatever it takes to help the unwanted animals of Lakeside!

Wednesday 9 March 2011

You're Going Where????

Location, Location, Location........


  Location of Lake Chapala, Jalisco, MX


The North Shore of Lake Chapala.  Our town is at the top end.


Swimming at the Chapala Beachfront - Malicon

A Day in Paradise.........




The Travelling Hounds........

Those who know us know that we have 3 dogs.  2 golden retreivers - Wookie & Mallie and a cocker spaniel named Newman.  One of our biggest challanges was how to get ourselves and the 3 hounds all the way down to Mexico.  We looked into flying all three of them (& ourselves as well) but putting them in kennels and into the cargo hold of a plane just didn't sit well with us.  Getting to Guadaljara from Toronto requires a layover in the states.  We simply couldn't see that as an option..........so, we're driving!
The first thing we needed to do was sell our Volkswagen Passat and get something bigger.  After shopping around for a few weeks we found what we thought was the perfect veichle.  We drove home with a Jeep Grand Cherokee - good, cross that off the to-do list. 
Not long after we purchased the Jeep it was brought to our attention by many that Jeep Grand Cherokee's are definately "target veichles".  The "bad guys" search these out and often overtake them.  And besides it is a little small in the cargo area.............So, sell the Jeep.  Buy a Mini Van, that's what we'll do!
Two weeks later, we're driving a Toyota Sienna Mini Van!   I really never pictured Greg and I driving a Mini Van in our retirement years.. We always drove small  import cars.  Hey, never say never.
We're still working on our driving route - looking for the most direct way that has the most Motel 6's!  There are only a few options for overnight stays when you're travelling with a pack of hounds.  It's a long haul - approx. 3500 miles!    7 days with 3 dogs in the car should be an adventure all on it's own.

                                                                     The Travelling Hounds......

Monday 7 March 2011

Purging........

It felt good really.  Going though all those no longer needed work clothes - blazers, dress pants, business suits........oh yeah , it felt real good!  As both Greg and I prepare for our life in MX we spent a good deal of time going through our closets and very carefully created piles.  One pile for the Salvation Army, one pile for friends & family (who are still working!), and a special pile to take with us.  We've been warned about "getting rid of all your cold weather clothes" by many of our new friends in Chapala.  They insist that we will too one day  will wear socks with our sandals on those chilly January mornings.  Being Canadian Cottagers we are confident that will never happen.  But who knows, we never thought we'd be heading off to Mexico to retire either!  Funny how things change, how what you thought years ago you'd never do, you're now doing!  Maybe the same with the socks & sandals......??
We know the things we definately won't miss.  Shovelling snow, cold dark long winter days, tax bills.. but we sure are thinking alot of the stuff we will miss.  Our children for example - as time gets closer to the big move  we think and talk often of how much we will miss the regular visits, watching our grandchildren's school plays, being there as our children become parents themselves.   Thank goodness for Skype and airplanes.
 "Going to Grama & PaPa's will just take a little longer to get to, we've convinced ourselves all will be fine.
And fine it all is.......

No Tuba..........

Greg, being the music lover he is,  has decided on a new hobby!  Yes, that's right - he bought a guitar with a little help from our son-in-law Trevor (Enter the Haggis!) and has made arrangements to begin taking lessons.
Being an ex-drummer, Greg was looking for a new instrument to learn.  He investigated a number of horn type instruments and my immediate thought was - Oh no, not another few years of that RECORDER again!  I remember my girls learning to play the recorder in school and while I enjoyed their enthusiam and dedication to the learn, I sometimes found it difficult to listen to after coming home from a day at work!  I thought , oh well it could be worse, could be a Tuba!  I said nothing..............
I can't tell you how relieved  I was to hear Greg had decided and bought a guitar - not just a regular guitar I might add - a Spanish Guitar!  Perfect! 
I thought the image below was appropiate for this post.  Who knows, maybe some day in the near future you'll see Greg on the Chapala Malicon with hat in hand.........
Retirement is Fun - Life is Good!





Mexico - The Good!

 With all the negative media coverage about Mexico, below outlines some of the facts about Mexico - we found these to be interesting and hope you will too.
Viva Mexico!!

**Mexico is so much better and healthier than most people think
The population is aging, so many of the people who currently hold jobs are retiring, opening up jobs for younger workers.
**The last two presidential administrations fostered and encouraged home ownership, which is building a growing middle class.
**The current administration, at great cost across the board, is fighting corruption and the invasive influence of the drug cartels. It is difficult and painful… but must be done. If Mexico stays the course, this will bring great long-term benefits.
**Mexico does have vast oil resources. If they ever allow private professionals to get involved, the country can rival many OPEC members.
**Mexico is a young democracy… as it matures, it will get better.
**Mexico’s proximity… for better or worse… to the United States gives it great opportunity. Both countries must get over immigration and border sensitivities, and if they do, both will prosper in the relationship.
**The Pan American games are coming to Guadalajara in October 2011…this year! Guadalajara and Lake Chapala will have a lot of exposure during the games…promoting awareness of the area as a tourist, resident or business location. Since Lake Chapala is sponsoring the water-skiing portion, the area looks to benefit from the additional advertising and tourism coming to the area.
**Drug violence is not a threat to ordinary tourists like you and me. This is according to the Mexican government, the U.S. State Department and Worldhum.com.
**Mexican highways are excellent and well-marked. Most major cities are now connected by well-engineered toll roads that have limited access and are patrolled by federal police and Green Angels, motorist-assistant trucks manned by mechanics.
**Customs offices are clean and customs officials are professional and efficient. Neither used to be the case.
**Gas stations are also vastly improved. Almost all now include a convenience store and some even have food courts.
**And the vehicle stock is better than years ago; gone are most of the lopsided buses and one-eyed trucks of the past.
**“Tourism to Mexico jumps nearly 20%” (latimes.com) – Top Quote: “In a surprising turnabout, international tourism to Mexico showed a sharp increase this past summer — a sign that tourists may be putting aside worries about the economy and fears of drug-related violence, analysts say.”
**“Tourism to Mexico is Up” (nytimes.com) – Top Quote: “In addition to having several of the top sun and beach destinations of the world, Mexico has 30,000 archeological sites, 110,000 monuments and 31 Unesco World Heritage sites. Many places have one or maybe two of these elements, but only Mexico combines all of them in one destination.”
With its profoundly rich Indian and Spanish culture, its spectacular beaches and charming colonial hill towns, its real estate bargains and its proximity to the United States, Mexico is an undisputed  destination for American & Canadian retirees. It boasts thriving expat communities in Lake Chapala, near Guadalajara; San Miguel de Allende, in Guanajuato; Baja California; and CancĂșn, in the Yucatan.
A quick word about crime and safety in Mexico: Yes, it can dangerous in the cities bordering the United States (mostly to drug cartel members themselves!). Mexico, however, is also nearly three times the size of Texas, and most of the country is reasonably safe and secure, especially resort areas and tourist destinations.
**Good news: Mexico held an election last summer and..... The good news for Mexico – and for its relationship with the United States – is that, try as they might to disrupt the political process and dictate the outcome, the cartels failed to do either. Despite violence that included…the assassination of a gubernatorial candidate, many voters turned out to cast ballots – for their choices and not the cartels’.
**Mexico is growing by leaps and bounds. According to Business Week, Mexico’s middle class “have swelled to record levels.” While many people mistakenly assume that Mexico is an impoverished country, the truth is far from that. Millions of Mexicans have access to mortgages, have solid jobs and are saving toward their children’s higher education.
**Mexican stocks are outperforming the U.S. stock market. Since 2005, the Mexican stock market has outperformed U.S. Stock markets, according to the S&P 500. In fact, the Mexican market has not only performed better but it’s done at a rate of 10 to 1.
**Alaska Airlines flies to nine different Mexico destinations and they are offering deep discounts and also offering vacation packages that get you down to Mexico at even lower rates: Mazatlan, Puerto Vallarta/Riveria Nayarit, Los Cabos, Ixtapa/Zihuatanejo, Manzanillo, La Paz, Loreto, Guadalajara, Mexico City.
**Mexico Will Continue to Accumulate International Reserves in 2011. Their record breaking year in 2010 will continue into this year as Mexico strengthens its financial position, reported the Wall Street Journal. Economists declare that inflation rates in Mexico will be contained throughout 2011 and well into 2012. In fact, many experts expect the Bank of Mexico interest rates to stay put into 2012.
**Largest Bond Fund Manager says “Invest in Mexico” on Bloomberg Television
**Foreign reserves peaked at a record $113.6 billion in Mexico in 2010, rising $22.6 billion toward the end of the year.
**Mexican Banks Anticipate Bull Market in 2011: According to the Wall Street Journal, consumer banks have shown double-digit growth in most of their product lines this year.
Virgin America airline chooses Mexico as its 2nd International Destination.
**Mexican GDP Expected to Grow in 2011: The United Nations and the Mexican government both have approximately the same estimate for Mexico’s gross domestic product growth in 2011, around 3.5%. This is on top of a 5.3% growth in 2010, as reported by Morningstar.

About the Area

Lake Chapala: 
This place is Lake Chapala, Mexico's largest natural lake located in eastern Jalisco state, 50 kilometres south of Guadalajara, the country's second-largest city. Ajijic (pronounced aah-hee-HEEK), a cute little village complete with boutiques, art shops, quaint restaurants sits at 1,535 metres surrounded by the foothills of the Sierra Madras Mountains  on narrow cobblestone streets!  Once a quaint fishing village, Ajijic and 14 other north shore villages strung from Chapala in the east to Jocotepec in the west -- collectively referred to as Lakeside or the Chapala Riviera -- have, since the 1980s, become increasingly popular with retired Canadians and Americans and are now home to 10,000 full time expats, the largest number anywhere.  In addition to the homeowners, many  more vacation or spend the winter. The home we purchased is in Chapala - a nice residential mature neighbourhood in a cottage like setting.  Lots of trees, birds and nature.  The Lakeside area also has a large number of "sun-birds" as they are referred to.  Sun-birds are Americans from the hot south who choose to spend their hot humid summers here at Lake Chapala instead.  This affords a very good set up for folks wanting to rent their home out both winter & summer!
This area has one of the world's best climates. With a semi-tropical average temperature of 20 C and a year-round variation of just 8 C, plus low humidity it was the perfect choice for us.
"Mexico is home to 700,000 U.S. and Canadian citizens, who have decided to exchange the cold weather and high cost of living for a more affordable, easy way of life retirement.
Chapala is No. 1 for North American expats. In addition to climate,  its popularity to its proximity to Guadalajara -- with its big-city facilities including hospitals, stores like Costco and Wal-Mart, and renowned Mexican handicraft markets -- and the beach resorts of Puerto Vallarta and Manzanillo are only a 3-4 hour drive away!  We felt this was a perfect mix - same driving distance as from home to the cottage!

Health Care:  Foreigners qualify to join IMSS (National Health Care System) at a cost of approximately $300 a year (less than $1 a day) and there is no age limit (covers everything). Excellent, well-equipped hospitals and well-trained Doctors in Mexico; many trained north of the border and speak English. International private insurance is half the cost if you live in Mexico (and outside the U.S. or Canada more than 6 months a year). Alternative health care is abundant and affordable.  Our OHIP will continue to cover us for an extended period of 2 years out of country.

Immigration Visas:   The Mexican government has made it super easy for foreigners to obtain residency visas in Mexico.   We are able to bring in our furniture and vehicles Tax FREE.  Shipping costs to move our house full of stuff is expensive.  We are told by many that the cost of quality furnishings in Mexico are quite expensive (as most things are imported) so we will ship our favourite things down.

Pets:    It's easy to bring the pets as well.  Only thing required is an international health certificate from your vet proving that the pets are current with shots and are parisite free.  There are many excellent vet clinics in the area - prices for vet care are about 1/3 the cost of Canada.  Premium pet foods are readily available in many of the local stores.  And, there's always Costco not far away!

The Cost of Living in Lake Chapala is one of the lowest retirement locations in Mexico. Just a few examples of the costs :   Rib eye steak and all the trimmings at a nice restaurant  for under $10. A nice bottle of Chilean wine in a restaurant for $12 ($4 in the liquor store). Five-day trips to the beach for $300 (includes transportation in first-class bus, 5-star hotel on the beach and food and drinks). You can live here well on under $2000 a month.  You can have  maid and gardener ($3 an hour). Manicure and pedicure (both for under $15) or a 50-minute massage for $20.  With the high Canadian Dollar, money goes even further now. 

Mexico offers Retiree Benefits Program. Anyone 60 years or older (including foreigners with a valid visa) are eligible to join the Personas Adultas Mayores program with discounts all over Mexico. Discounts can range from 5% to 50% and some services are FREE, like museums. From doctors (many specialties), hospitals, laboratories, dental and pharmacies, airline, bus tickets and car rentals, hotels, theater, furniture and clothing, and even lawyers (now that's a nice touch). In Mexico, foreign retirees are treated like Mexican nationals; that means foreigners are eligible for the same benefits that Mexican nationals are.

Taxes -  We no longer shutter when the bills arrive!  . Property taxes on a house worth $200,000 are under $100 per year!!  . As expats we are exempt from Capital Gains and retirees pay no taxes on the money they bring into Mexico.
You can work in Mexico (some exceptions). The expansive infrastructure in Lake Chapala is partly due to retirees deciding they wanted to do something, so they looked for something missing and filled in. Many have started businesses that add additional services to the area.  That certainly becomes an intersting option for us younger ex-pats!  You simply apply for a "work permit" and pay Mexican Income Tax on your earnings.

Canadians living in Mexico can choose to become non-residents of Canada for Tax purposes and never file income tax again. 15% withholding tax on pensions and RRSPs. You don't give up your Canadian passport; you maintain your Canadian citizenship as well as becoming a resident of Mexico.   There is alot to consider before making this decision, we are planning on working with a Canadian Tax Professional to get the best advice.

Legal System - You are doubly protected by NAFTA in Mexico. You get a Direct Deed to your property when you buy real estate (just like back home). And you can name your children beneficiaries in the deed.  All you need to do is have a Mexican Will drawn up.  Super simple!

Well friends, that gives you a little overview of the important issues we have researched and learned about the area - stay well!
Lori

Saturday 5 March 2011

The Big Decision

Our decision to move and retire in Mexico came quickly!  We had visited Mexico many times over the years and were always smitten with the culture, people and easy way of life.  After 6 months of  research, we booked a flight to Lake Chapala area and browsed around the real estate market.  Finding just the perfect opportunity, we bought a "fixer-upper" in Chapala Haciendas in June 2010.  A leap of faith and a few pesos later we were officially home owners in Mexico.  As we settled into our seats on the Delta flight home, we honestly wondered "what have we just done?"...........:Let the games begin!

We took possession of our new home in early September and headed back down for the closing.  This went smoothly and as we drove up to our new mexican hacienda we felt both delight and fear.  The place needed so much work, where to begin!  Back in Canada we had listed and sold our cottage in Muskoka - a very emotional doing - it had been our "family gathering spot" for ourselves and our 4 grown children and 3 grandkids for over 25 years...........  Now, all that 's left to do in Canada is sell the house...........
We researched and hired a wonderful contractor who was in charge of getting all the reno's underway once we returned to Canada.  After meeting a few of our new neighbours, they decided that we really were nuts to entertain such projects while not being there to "supervise."   We put our full trust in our contractor and as the months ticked by, we were more than thrilled with the results.
So here we sit in Ontario Canada waiting for our home to sell so we can begin our new adventure in Lake Chapala Mexico.  Throughout this blog we will post our experiences, and hope you will follow along with us!