Category Archives: Long term travel

A Rant-A-Thon From a US and a Canadian Expat: Bureaucratic Contortions

Sagres, Portugal

A few weeks ago my Canadian blogger friend, Frank, at The Travels of BbqBoy and Spanky  reached out to me with an idea he had for a collaborative post called, “The Absolute Worst Thing About Being a Fulltime Traveler,” comparing our different perspectives.  What made his idea intriguing was that our worst experiences actually have nothing to do with traveling full time or with being an expat, he in Croatia and myself in Portugal.  This turned into a rather fun and enlightening rant-a-thon by both of us, so I thought I’d reprint parts of Frank’s post here with his permission. 

 

The US Perspective  By Anita @ noparticularplacetogo.net

Six years ago I decided that I wanted the life my husband had: early retirement. We’d worked hard over the years and, lucky for us, weren’t hit too hard by the great recession. We had savings, our home was well on the way to being paid for and we’d had a recent epiphany that life was short. The lifestyle that I was working for (house, cars, stuff) was no longer important to us.

Rant 1 Exorbitant Healthcare Costs. We quickly found out that the US isn’t set up for middle-class people who want to retire early. The biggest problem that we ran into right away was how to pay for our health insurance. My employer picked up half the cost of an excellent health care plan but I was still paying $800/month for the two of us. We solved that problem by deciding to leave the country and “going naked” (that’s what people from the US say when you don’t have health insurance) except for traveler’s insurance policies. We took a year to sell everything, leased out the house and became nomadic expats in 2012, slow-traveling through countries where healthcare was affordable.

Rant 2 Capital Gains Taxes. About three months into our new life we knew that we’d never live in Texas again and probably not in the US either. Deciding to sell our home wasn’t difficult but the whole *when to sell* decision was taken out of our hands. Rather than waiting for the best time to sell our house, we were forced to sell between years two and three of our travels in order to avoid paying hefty capital gains taxes on a place that was no longer our primary residence. (Not that we had any residence at that point!)

Rant 3 Transparency. We consider ourselves to be fairly honest. However, having a US street address is important for so many reasons we’d never considered. In fact, it seems that you need an address to prove your very existence. And so, we use my sister’s address. Simple things like keeping our money in a US bank, having domestic and international credit and debit cards, keeping our US driver’s licenses current, paying income taxes, remaining active voters, etc., all need a US street address. We’re not quite comfortable with the deceit but …

Rant 4 And speaking of honesty and transparency: Be careful to whom you mention that you reside outside the US. Banking and investing places seem to equate opting to live abroad with offshore wealth, tax havens and money laundering. If you want to avoid needless hassles and make your life a little easier, you might opt for, “We’re living out of the country for a while …” not, “Hell no, I’m never coming back!”

Rant 5 Taxes. Aren’t taxes always worth a good rant? And yes, we’re still paying them, on time and every year. We have an accountant who keeps us up to date on changes. All to stay law-abiding US citizens with piss-poor representation and absolutely no benefits.

Rant 6 Banking. It was fairly straightforward to open a bank account in Portugal where we live now unlike a lot of other countries that are refusing to open accounts for US citizens because of onerous reporting requirements and paperwork. However, we had to present our social security cards to open our accounts (who carries those when traveling? Or anytime?) and we’re careful to maintain our account balance under $10,000 to avoid complicated paperwork. (Try paying for a car using your debit card!)

Rant 7 Healthcare. And we’re back at where we started. Richard now qualifies for Medicare and we pay $110 each month for that luxury. However, Medicare is only good in the US and the insurance is not something you can cancel and pickup at a whim when you’re in between countries. So, he has “cheap” insurance (by US standards anyway) and I have none for the occasional visit back in the US. Our solution, should I ever get sick during a visit, will be to hurry up and get the hell on a plane and anywhere else before we’re bankrupted.

Our expat life has been all about minimizing what we have and simplifying where we can. Seems that our country of birth could be a little easier on us too and make the hoops to jump through just a little closer to the ground!

 

The Canadian Perspective By Frank @ bbqboy.net

Three years ago, after 20+ years of working in Quebec (Canada), paying a shitload of taxes every year (Quebec has the highest tax rates in North America) we decided we wanted to leave our 9-5 lives to travel.

It’s not that we didn’t enjoy our lives or didn’t love Montreal, Quebec or Canada. We were getting older and we just wanted to see more of the world before we died.

When we left to travel, we continued paying Canadian taxes. No issues with that, we’re Canadian, we’ll pay our taxes just like we suffer through 6 months of winter. But paying a shitload of taxes doesn’t mean we get any of the benefits that come with been Canadian.

Rant 1 Health Care. Two years into our travels we were no longer eligible for Canadian Health care. We’ve used up our “exception year” (I wrote about Canadian health care/insurance in detail here). Ask any Canadian why we lose our health care after 6 months out of the country and they’ll just shrug. Nobody seems to know. So we ended up getting expat insurance which, at 50 years of age, costs us about $3,000/year Canadian between the 2 of us. Basically we’re double paying because as Canadians our taxes are supposed to cover our health care coverage. That sucks.

Rant 2 Capital Gains Taxes. So we’re into our 3rd year of travelling, loving it, we don’t want to come back to Canada.

After renting out our Montreal condo for the last 3 years, our tenants decide they want to move, they want to start a family in the suburbs.  After weighing our options (rent? sell?) we decide that we would face reality – we love our lives travelling and have no plans to return to live in Canada.

So we put our condo on the market. It takes 2 months to sell but we’re happy when we find a buyer. Great!

Until the government bureaucrats get involved. “You’re a non-resident. This complicates your file. You will need to obtain an accountant in order to obtain for the provincial and federal governments a certificate of disposition. Furthermore, we must put a hold on the sale price in our in trust account until we have received confirmation of these certificates and the payment of the required taxes”.

Exact words with bolds and underlines cut and pasted.

Lucky for us, we have an excellent tax accountant who took care of this. It helped that a few years ago he made us fill out a form stipulating that our condo was never intended as an investment property and that it is still our primary residence and exempt from capital taxes.

Note: Just because you have an overseas address, that does not mean you are not a resident of Canada. As long as you stay a fiscal resident (ie. pay your taxes) you are still deemed a resident (although, as I say, without some of the most important benefits).

What would we do without an army of tax accountants and lawyers dealing with this bureaucratic shit?

Rant 3 Home Insurance on the rented property. When renting out our Montreal condo we had to get “renter’s insurance”. I specified to the company that we needed the insurance because we wanted to travel and rent out the property while doing so. Easy enough. But when year 2 came TD Insurance kept calling me, asking me when we would be coming back to Canada. Our renter’s insurance depended on it they said. By year 3 they said they could no longer cover us because we were out of the country too long. WTF? It ended up being another factor in the decision to sell.

Why would I get renter’s insurance if I came back to Canada? I’m renting out the condo because I don’t live there…

Rant 4 Needing a fixed address. We found out that you need a fixed address for everything: banking, investments, anything to do with government… Everything. In the first 3 years I used my condo address. Now I’m using my son’s address. You’d think in this day and age, with more and more people working remotely, that businesses and governments would keep up with the times. They haven’t. In fact, if you don’t have a fixed address or telephone number you realize pretty quickly that you are a rare species (I’ve had people look at me, wondering if maybe I was a vagrant…). It took full-time travel to bring home to us how totally non-existent you are as a person if you don’t have a permanent address and fixed telephone number.

Note: I should have used my son’s address as my address when selling the condo (Rant 2). Would have saved me and my accountant a lot of hassle.

We don’t mind paying Canadian taxes, Canada is still ‘our’ country. We have Canadian passports, Canadian driver’s licenses, Canadian bank accounts and investments, Canadian credit cards. I have Canadian family living in Canada. And I pay Canadian taxes. But why is the government taking away our benefits (notably Healthcare) or trying to screw us over with Capital Taxes? And it’s not just us, I know older Canadian friends who are not entitled to the GIS (Guaranteed Income Supplement) because they chose to live overseas (where they can get by with less money. Some can’t afford to come back to Canada). It just doesn’t make sense.

I wish the Canadian and Provincial governments would have a more modern and open approach to how people live today. With more and more people working remotely from overseas it would be nice to see a little more flexibility in the system.

One last thought.  For those of you thinking about making the jump to becoming either full-time travelers or expatriates, maybe this post will address some questions you haven’t thought about yet.  As for me, and I think I can speak for Frank too, I feel just a bit better now that I’ve done some ranting and raving about the bureaucratic contortions we go through to live outside our respective countries.  And despite all the hassles, it is, without a doubt, worth it.  It’s a whole ‘nuther world out here!

 

Lagos, Portugal

 

We’ve been “Discovered!” by WordPress

Porto de Mos, Lagos May, 2016

Near our home in Porto de Mos, Lagos, Portugal      May, 2016

In hindsight, we should have started writing our blog in 2011.  Back when the “great epiphany” hit us that we wanted to trade in our current lives, wipe the slate clean so-to-speak and walk down a totally different road. But of course then we were much too busy!  And so it wasn’t until 2013, during a housesit in Antigua, Guatemala, where we were graced with some reliable Wi-Fi that we got serious and started to research how to even start a blog; the nuts and bolts of putting it together and what we wanted it to look like.  And that didn’t even count what bloggers call “content” – our words, our pictures, our ideas …  We checked out a couple of blogging websites and selected WordPress because it was simple.  Easy for non-experienced and new bloggers like us who had no idea what we were doing.  With some gentle hints and guiding us in the right direction we put the bones together.  We started out slowly, with no real goals and like our travels, no idea what direction we wanted to go or even an idea of where we wanted to end up…

A couple of weeks ago we were contacted by Cheri Lucas Rowlands, an editor at WordPress who asked us if we’d be interested in being featured in a post she was putting together about “nomadic and free-spirited lifestyles.”  Of course, we jumped at the chance, not only because WordPress has thousands of bloggers and being invited to do this was a big deal, but we really liked being called “free spirits” at our age! 🙂  As if that weren’t enough, we’re in the amazing company of two other terrific blogging duos who write at Adventures in Wonderland and Paint your Landscape.  Go ahead, you know you want to check them out!

Here’s Cheri’s post with the link:

 

Three retired couples blog about their shared journeys and the joy of travel and self-discovery.

via Blogging Nomads: On Wanderlust and Shared Journeys — Discover

We hope you enjoy Cheri’s post and want to tell you how much we appreciate you all for stopping by our blog.  It’s so awesome to think of all the people we meet online, comments exchanged and virtual friends we’ve made.  Our world has grown much richer through our travels but also richer with the friends we’ve met, both online and face-to-face through fortuitous meetings.  Our sincere thanks,

Anita Oliver and Richard Nash

 

 

 

 

 

 

 

 

 

 

 

 

Silves and Its Castle: Conquests and Crusades

Silves CastleIt’s not hard to find the ruins of the Moorish castle as you enter the town of Silves, Portugal.  Perched on a hilltop high above the town it dominates the landscape, its presence looming as the castle and remaining walls that surround it are easily visible from wherever you are in the city.climbing up to Castle Silves

The castle is like a picture in a kid’s storybook with its stereotypical, crenellated silhouette, narrow slits and gaps for the defenders to guard against intruders or rain down arrows and boiling oil upon enemies, massive red sandstone walls and the turrets where sentries stood watch. It’s not hard to find yourself imagining the hoof beats and neighing of horses, the sound of armored soldiers clanking by, dark robed men silently skulking about in the shadows, tradesmen mixing with peasants going about their business, the blare of trumpets and flags unfurled in the wind.Silves Castle

Our reaction when we first saw the Algarve’s biggest and arguably best preserved castle?  Big grins and what we later tried to describe to each other, a feeling of little kid wonder as we remembered tales read long ago.Castle Silves

Silves (pronounced the Portuguese way in one slurred syllable SilvSH) has archeological remains that go back to Paleolithic times and has been known by many names – Almohad, Cilpes, Shelb, Xelb – depending on who was occupying it at the time.  Located on the Rio Arade (pronounced with a g sound that sneaks its way in, A rad gee) which connected the hinterland with its riches of copper and iron to the Atlantic, it was an important trade route for the Phoenicians, Greeks, Carthaginians and Romans.  Silves’ prosperity really took off with the Moorish conquest of the Iberian Peninsula in 713. The city became an economic rival to Lisbon for over two centuries claiming the nickname, “The Baghdad of the west” with its bazaars, shipyards and port.  With its strategic location overlooking the river and built upon one of the largest aquifers in southern Portugal, Silves had a lot to offer and everyone wanted it. For a few centuries a tug-of-war existed between factions of the Moors themselves, the Spanish and the eventually victorious Portuguese aided by crusaders who stopped by on their way to the Holy Land. In 1249 the Portuguese had the Moors fleeing for the final time stripped of their possessions including, according to some accounts, the clothes on their backs.  In the following centuries Silves’s fortunes waned with the loss of its North African trade routes that the Moors had established and as competition grew from other ports along the coast.  The gradual siltation of the Arade River formed a swamp which bred fevers, disease and epidemics like the Bubonic plague, which contributed to its downward spiral.  The 1755 earthquake that destroyed much of the Silves along with the rest of Portugal’s cities seemed to seal its fate.

In the background - Old Cathedral on the left and Silves Castle on the right

In the background – Old Cathedral on the left and Silves Castle on the right

Silves is a city of living history with its fabulous Moorish Castle, declared a national monument in 1910, but there are a few other reminders that testify to its former greatness as you wander through the historic part of this picturesque city.  Rising up near the castle is the second most striking building of its skyline, Sé Velha, the Old Cathedral.  A national monument since 1922; the original structure was built in the 13th century by the conquering Portuguese on the site of a former mosque.  Over the centuries it’s become an eclectic blend of many architectural styles with a Baroque façade and Manueline style doorways and windows as well as the great entrance, an arched, Gothic doorway of yellow sandstone with its balcony above embellished with corbels of animal and human faces.

Gothic doorway - Cathedral of Silves

Gothic doorway – Cathedral of Silves

Manueline doorway

Manueline doorway

Nearby is the Municipal Archeology Museum which has exhibits from the Paleolithic, Bronze and Iron Ages to Roman artifacts, displays of ceramics from the Moors and finally pieces from the Portuguese victors of the 13th century.  The museum itself is built along a section of the old city walls and incorporated an existing Islamic cistern-well originating from the 11th century that is 18 meters (59 feet) deep within its structure.12-13th century Almohad well-cistern - Almohad period

It’s hard to imagine that Silves was once a bustling port or that the Vikings war ships attempted an armed, exploratory excursion bent on looting and plunder in the 10th century up the Arade River.  Known as the Old Bridge or the Roman Bridge of Silves (although the Roman road that crossed the area would have existed several centuries earlier) the original structure was built in the 14th century.  Historically, one of the main entries into the city connecting Silves to the coast, it has five semi-circular arches that span the waterway, now heavily silted.  Today, benches have been scattered along it in the city to make it a charming place to sit and admire its beauty.old bridge

While Silves will never regain its former glory it still has a lot going for it: a pretty city spread over hills in a beautiful countryside. Its economic prosperity began to improve in the 19th century as cork and dried-fruit industries were established and many residents enjoyed an increased level of affluence. Today its economy is fueled, like many of the towns in the Algarve, by agriculture and tourism. It’s exactly the kind of city we love to visit and return to with friends to share its magic.view from Silves Castle

By Anita and Richard

 

 

 

 

 

 

Transitions, Changes and Americus the Beautiful

And then we waited … And waited… And … We were at loose ends after we submitted our application in late August to the Portuguese Embassy in Washington D.C. for a long-term visa.  According to the fine print in the application, the review and approval process could take up to three months. (The fact that we received our visas in under two months could be seen as testimony to the alacrity with which the Portuguese bureaucracy can move when it sees a couple of prime candidates for immigration.) But given this gift of free time, and we did after all have a car again, we decided to take a road ramble with only a loose itinerary, following our inclinations with no particular place to go.

Wyoming

Wyoming

Our time in the US could have been measured in the places we stayed: one rental apartment, two housesits, six guest rooms with friends and family and, lastly, fifteen hotel rooms.  We could have counted our time in miles spent crisscrossing the USA: approximately 5800 miles.  Or the number of states we drove through, seventeen, from Texas through Colorado to Washington and Montana and then through a part of the midwest and the deep south to Florida and finally to Georgia where we left our car with family. Or tallied the airport flight connections and boarding areas we sat in from the time we left Portugal in mid-July to our return in November, a mind-numbing seventeen.  We could enumerate the number of photos of old friends (friends old in the longevity of our association as well as longer of tooth) and family with whom we spent time catching up, laughing and playing “remember when?” or the countless pictures of breathtaking scenery and small town life as the miles rolled by.

Montana

Montana

Florida

Florida

During our sojourn we fell in love with our home country, this time as travelers seeing it from a new and different perspective after our three years spent out of the US.  The vast road system woven throughout the states, driving Interstate highways around the big cities and state highways through small cities and towns with their flags and banners displayed.  Friendly clerks at countless gas stations, waitresses greeting us with smiles and refilling our cups of coffee time after time, places where people take pride in their hometowns.

Livingston, Montana

Livingston, Montana

We whiled away an afternoon in Livingston, Montana where the Yellowstone River flows north from its headwaters in the Park through the Paradise Valley flanked by the majestic Absaroka Mountains. We stayed one night in Americus, Georgia and visited the site of nearby Andersonville Prison, a name synonymous with the horrors of the Civil War in our own country.

Andersonville Cemetery

Andersonville Cemetery

In nearby Plains, Georgia, yards had signs showing their support: “Jimmy Carter for Cancer Survivor.” Meanwhile, a Confederate flag hung side-by-side next to an American flag across the street from the Secret Service sentry booth outside President Carter’s family compound. In the other direction and a hundred miles or so down the road was Franklin Delano Roosevelt’s summer home, “The Little White House,” in Warm Springs where he showed people that America and the world could be fixed again and hope could thrive.

Watching the nightly news and the Republican and Democrat debates told us what was wrong with the US – in divisive and contentious language and finger-pointing accusations.  But our travels showed us another story: what was positive, strong and right with our country.  Many things may be broken but there’s a lot that works and a lot of which to be proud.

Alabama

Alabama

We left the US this time with a deep appreciation for what it represents but glad to be resuming our lives in Europe, with the opportunity to learn about new countries and cultures, art and architecture as well as to meet new people and hopefully, become a part of a community.  And here we are, finally and barely a week into setting up a new life in Lagos, Portugal, transitioning from full-time nomads to traveling expats with a home from which to venture forth and return.

Anita and Richard

 

The Great Document Round Up: Starting the Portugal Residency Process

Google “Best places to retire abroad” and Portugal consistently shows up in the top ranked countries. Ditto in highly regarded magazines such as Forbes and AARP, as well as those magazines selling sugar-coated dreams to those with rose-colored glasses.  And we’d done our homework as travelers who’d spent the last three years roaming Mexico, Central and South America as well as several Caribbean islands before we jumped to Europe. We knew what we wanted and what we wanted was to live in Portugal.  Ask anyone who’s been there and they’ll know why.  For the uninitiated, we could list the low cost of living relative to other European venues, fresh and delicious food, a moderate climate with 300 plus days of sun, miles of coastline, fascinating history and warm people with wide smiles.  For us, Portugal pushed all the right buttons including an important one.  We didn’t want to give up traveling, not with Europe spread before us and beckoning.  We just wanted a place to call home, to launch from and return with only a small carry-on suitcase accompanying us.

Carvoeiro, Portugal

Carvoeiro, Portugal

It  requires little effort for much of the world, including US citizens, to visit Portugal and the other twenty-six European countries that comprise the Schengen Zone.  You simply present your passport at your original point of entry for a stamp and, presto, you’re granted permission as a tourist to enter, exit and cross borders with no further ado, similar to us driving from state to state in the US.  “Great” you say but, and for us as slow travelers with no time constraints, this presented a conundrum. The visa is only good for 90 days.  And then you have to leave the Schengen nations for a period of at least 90 days.

Lagos, Portugal

Lagos, Portugal

So, what to do if you want to stay?  We whiled away our time in Portugal this summer investigating places we’d like to live more-or-less permanently we also started doing our research and hired a lawyer to help walk us through both sides of the process: the documents we would gather in the US and the forms, renewals, translations that we would be completing upon our return to Portugal. There’s a wealth of material online (and probably much of it is even accurate!) from many countries about how to apply for a their residency visas as well as lists of the necessary documents but, when it came to Portugal, there seemed to be a dearth of information. We found articles online with guidelines for citizens belonging to the EU but for US citizens there was a confusing jumble of incomplete, contradictory and inaccurate data.  We finally concluded that there wasn’t an easy way – we had to begin at the beginning and put together our own list of requirements necessary to apply for a Portuguese residency visa (here’s where being stubborn not to mention methodical and, somewhat, patient comes in handy!)

The Application 

Our online inquiries led us to the official website regarding visas for Portugal at embassyportugal-us.org and a little bit of squinty-eyed reading resulted in a Eureka! moment when we found a link for residency visas.  As retirees we were indeed on the list of people eligible to receive this type of visa and the table at the end of the page seemed to be short and straightforward.  We contacted the Consular’s Section of the Portuguese Embassy in Washington DC requesting the application form and we received a prompt email response with four attachments.  An initial point of confusion was the actual name of the form itself, Application for Schengen Visa.  This form, however also covers the initial steps for the residency visa process.

Tip 1  Processing fee $128/person.

Tip 2  The signature needs to be notarized if mailing the application but a notary is not necessary if applying in person.

Tip 3  If you plan to present the application personally be sure to call and schedule your appointment a few weeks in advance as the office hours are limited.

Rounding up the Documents

Passport sized photo

Personal statement  We each wrote a brief paragraph about why we wanted to retire in Portugal (the people, the countryside, the culture and history, etc.)  as well as where we would be residing and our type of accommodations.

Proof of Financial Means  We submitted a printout of a letter from the Social Security Administration that showed that Richard received monthly Social Security payments and the amount 2) three months of bank statements to show the money was direct deposited into our account and 3) that the monies were available to us in Portugal

Tip 1  We haven’t come across a source we can quote on the income necessary to prove financial independence but the figure we kept in mind is that 1000 Euros is considered sufficient to support a family of four in Portugal. 

Tip 2  Our lawyer advised us to keep our answers regarding financial resources as simple as possible and not to complicate this step by submitting other sources of income such as 401(k) or 403(B) pensions, savings and investments holdings, etc. as they may needlessly complicate the process.

Tip 3  We included our Marriage Certificate to show that this income was available to both of us since Anita is not eligible to receive Social Security payments yet.

Criminal Record Certificate Issued by the FBI  We had our fingerprints taken at our local police department (cost $10/person) and then worked with a company to expedite their submittal and review through the Bureau (cost $63/person).

Tip 1  A list of pre-approved FBI channelers is available online but the company we used was My FBI Report (myfbireport.com). The company notified us 4 days after they received our print cards that Richard would need to get his fingerprints retaken and resubmit them as the FBI said they were “too worn.”  The police department waived the fee for the reprinting process when we presented the receipt showing proof of our initial payment.  However the expediters charged an additional $20. Anita received her background check within 10 days and Richard’s arrived a week later.

Tip 2  A search online resulted in the suggestion that applying Corn Husker’s lotion the night before could make the fingerprint ridges more distinct. We’re not saying it does but we didn’t have to go back for a third attempt!

Notarized Copy of our Passport’s Information Page

Tip – We copied the pages with our photo, address and the dates the passport was valid and had a notary stamp and sign underneath.

Proof of Health Insurance  This is by far the most expensive part of the whole application process.

Tip – We’ve carried policies with high deductibles from IMG (imglobal.com) since we began traveling.  Richard’s covers every country but the US and did not require a doctor’s exam ($1,836/year) and Anita’s policy includes an allotted time in the US and required a physical exam ($3,895)

And … The Approval!

Never ones to pass up a chance to visit one of our favorite cities, Washington DC, we decided to submit our applications and the supporting documents in person.  We also wanted to ensure that everything was complete as well as address any problems immediately versus a slow back and forth through the mail. We met with our contact, Ms. Dina Silva, at the end of August for a 30 minute appointment.  She examined our applications and told us that they would be sent to the Service de Estrangeiros e Frontiers in Lisbon, Portugal.  And then we waited… On October 6th we received a note from Ms. Silva and a form requiring our signature to authorize a criminal background check in Portugal. And finally, in mid-October, three months after we had returned to the US to initiate the process, we received an email saying that our residency visas had been approved. We mailed our passports to Ms. Silva to receive our official visa stamps and registry numbers. Our departure is imminent!

“What’s next?” is another post altogether as we move forward with the visa application in Portugal.  Our initial visa is valid for 120 days and we’ll be working through the next steps with our attorney for a Permanent Residency Visa.

For those of you who made it to the end of this long post … thanks and we’re done for now!  So many people have expressed interest in how a Portuguese Residence Visa can be obtained that we wanted to write about our experience as well provide some tips. We’ve tried to be as complete and accurate as possible but, despite receiving approval on our application, we’re no experts.  It only looks simple in hindsight!

photo available at www.gratisography.com

photo available at http://www.gratisography.com

By Anita and Richard

Back in the Land of Too Much: Round Pegs in Square Holes

We returned to the US with a mission: Obtain approval from the Portuguese government for a long-term visa.  In addition to amassing the documents and jumping through the bureaucratic hoops we looked forward to visiting with friends and fam.  However, our return to “The Homeland” seemed to be a slow downhill slide from simplicity to unanticipated complications.

Now don’t get us wrong; we are true-blue, passport-carrying Americans.  We like to think of ourselves as a contented mix of sunny, southern California and mountainous, western Montana (the hot and the cold, the yin and the yang) who willing relocated in 2002 to North Padre Island in South Texas. Having experienced the phenomenon of reverse culture shock previously we prepared ourselves again for the symptoms and looked forward to our return with great expectations and anticipation. That was until things began to go decidedly south.

It began just before we left Portugal for a return to the States, three days before our departure, with a scramble for alternative accommodations after we received news that the place we were going to stay was no longer available due to a family emergency.  Summer in Corpus Christi is high season and, as beachgoers pour into the city to visit the seashore and island, availability goes down as prices go up.  We reached out to our former property manager/realtor who scoured her listings and found us an efficiency apartment – overpriced but within our budget and on the island for our stay.

Miles of beach and open sky - Padre Island

Miles of beach and open sky – Padre Island

Our second indication of the deep do-do which awaited us was found at the car rental counter of the airport in our adopted city. We had reserved a rental car for a couple of days with the idea that we’d find a cheaper rental offsite later. It was during this transaction that we discovered if you did not own an automobile, which was of necessity insured, you could not cover a rental with your car insurance. Well duh! So, (and here’s the rub) if the car was X dollars per day to rent the insurance was a whopping 2X dollars per day. Somehow $111.95 per day was a bit steep for a sub-compact auto which barely held us and our luggage.  We tried another car rental agency the next day with a representative who oozed charm (but no ethics) and tried to finagle the insurance issue.  Luckily for us, our insurance agent called him on the slight-of-hand, the distinction between renting and leasing a car.  If we’d had an accident it could have been ugly. And so we accepted that a rental car was not an option.

Plan B, suggested by our insurance agent – with rhyming first and last names, a wide and very white smile, brightly colored talons, who called us “Sugar” and blessed our day – was to lease a car. We grasped the lifeline and decided upon a $1300/month car from the only short-term lease agency in town.  We’d gotten our insurance down to a manageable rate but the 2000 a month mileage cap, which we’d been assured was something we could negotiate, was chiseled from granite.  A short time later, wiser and poorer, we finally shed ourselves of the lease vehicle and settled on Plan C:  We bought a car.  The deed was accomplished in less than three hours with the assistance from a friend who was also manager of one of a multi-sited, new/used dealership; we were the grudging but proud owners of a 2014 Toyota.  From dedicated minimalists to All-American automobile owners … again! We were going in reverse!!

But now, back to our temporary abode at the “resort.”  (Caution! Whining involved!) We’d always thought resort sounded a bit posh but found the name to be only a hopeful aspiration. Since our apartment was on the third floor we’d asked, and been assured that there was an elevator which we (kind of ) assumed worked reliably.  We did our grocery shopping during our stay with the idea in the back of our minds that one of us might have to lug that 10 pound watermelon up three flights of stairs.  We hung bags of Damp Rid around as festive decorations  to combat the atmosphere of cold clamminess resulting from a temperamental air conditioner. And, after a couple of years traveling in Central and South America where our lips touched only bottled water, we came home to a boil water order. However, we were still begrudgingly pleased to have a place in which to spread out, cook a few meals and call home as we visited with friends and family and worked on gathering the necessary documents for the long-term visas for Portugal. Never mind that we had to buy our own Wi-Fi hotspot for the apartment rather than trek to the common area, sans air conditioning, sweltering and seemingly dedicated to the idea of defining “humid.”  All in all our home-sweet-home was a place to flop and infinitely preferable to a motel on the sleazy side of the city.

And so it was that we chipped away at the tasks of daily living, with the attendant aggravations of all of the above mentioned, and worked on jumping through hoops and the issues of starting the process towards obtaining residency visas in Portugal. And slowly the tide turned.  We were fortunate to have been given an opportunity to housesit for very dear friends for three weeks and we gratefully escaped the 3rd floor apartment. We flew to Washington D.C. to present our long-term visa request to the Consulate’s Section of the Portuguese Embassy and visit family.  We spent a lot of time at the beach and catching up with friends. We made arrangements to store our car with other family members near Atlanta, a boon over storing it in a secured lot with no attention in south Texas. And we whiled away the remainder of our waiting period by taking off on what we called “Our Epic Road Trip” which encompassed crisscrossing the country a couple of times.

image available atbwww.jokesandhumor.com

image available atbwww.jokesandhumor.com

In the end the salient points were driven home amid the strangeness and the familiarity.  America is the land where what you need is available and what you want is within tantalizing reach.  It’s the land of too much, the land where things are expected to work. In return, each must play their role. Deviating from the act of acquiring is not an admired trait – it is met with incredulity, intransigence and roadblocks. Without a home, a car, a cell phone, internet connection, insurance, ad finitum, ad nauseum you are at the mercy of the marketeers. We felt but a smidgen of this disfavor and it was uncomfortably frustrating.  We were, in a real sense, strangers in a strange land.

By Richard and Anita

Lagos, Portugal: A Place Like Home

2011 was the year of “The Great Epiphany.”  It was the year we decided  we wanted an alternative to the life we were living.  It was the year we realized that the “American Dream” was no longer our exclusive priority. We wanted something different …

2012 was the year we put our finances in order, sold everything, formally said goodbye to a steady paycheck and left the country to pursue what we once thought of as a pipedream: full-time travel. Over the next three years our dream has taken us through Mexico, all of Central America and several countries in South America as well as many islands in the Caribbean.  We’ve traveled by bus, by ferry, boat and luxury ship, plane, train, taxi, collectivo and tuk-tuk.

And in 2015, somewhere in the middle of the Atlantic Ocean on our way to Spain, with visions of wandering across Europe dancing in our heads we decided that, while the nomadic life has been all that we wanted and more, it was time to tweak our travel dream a bit and set up a base.  A place where we could leave that extra suitcase as we leisurely explored Europe without worrying about the 90-day Schengen tourist visa and journey to North Africa, Turkey or the old Eastern Bloc.  A place where we could make friends without the constant goodbyes and even buy our own honed kitchen knives, coffee cups and pillows.  In short, it was time to find a place like home.

It was a toss-up between Spain and Portugal.   Both countries welcome foreign retirees, are relatively easy to obtain a residency visa and offer much in the way of culture, history, art and architecture, big cities and small villages, beaches, good medical care and all the needed amenities we might want.  And while we loved the small part of Spain that we visited, when we moved into our temporary abode in Ferreiras, Portugal we knew that the Algarve Region was the place for us, a place like home.carousel

Our friend, Luis said, “If you want to live in the Algarve, here are the cities you should check out.”  And so we spent our time traveling back and forth across the coast by train and, like Goldilocks, finding one city too small, one too hilly, one too quiet when the summer tourists left, …cobblestone walkway along marina

But Lagos, as Luis described it, was a city of “living history.”  A place where the cobblestone streets connect to the principal artery along the waterway leading in to the marina with benches for people watching, a place with a breathtakingly gorgeous coastline along the Atlantic, buildings from the 15th, 16th  and 17th   century, a city center that is relatively level for ease of walking on daily excursions to the fish market, the restaurants and vegetable markets as well as well stocked supermarkets.  Long popular with the British, Lagos has a large, English-speaking expat population and many of the locals also speak some English which would make settling in to the community easier.  Upon further investigation we found that there’s a language school where we can learn Portuguese, doctors, and dentists, pharmacies to meet our medical requirements, et cetera.plaza fountains & boy with church of Santa Maria and Santo Antonio

A part of the dense history clustered in Lagos is in the historic city center. Located here are the Ponta da Bandeira Fort and the original city walls – part of the complex of defenses to protect the nascent voyages of discovery – the slave market, the Governor’s Castle, and numerous ancient Catholic churches.Governors' Castle

Near the entrance to a church were two women, possibly widows, who, dressed head to toe in traditional black, whiled away the day in gossip, subtly indicating their bowls for alms. We later noticed these women leaving the historic city center in the late afternoon as we enjoyed a gelato waiting to taxi to our train back to Ferreira; the women, like ordinary workers, heading home at the end of another shift. Life, so it seems, has a rhythm that transcends national boundaries.cobblestoned streets

In the hills above Lagos are numerous villages and neighborhoods, none perhaps more picturesque than Praia da Luz. A small vertical town whose east-west streets side-hill the slopes rising out of the Atlantic while the north-south land drops precipitously on to the beach for swimming, snorkeling, boating and other aquatic opportunities. Here is a place to enjoy a cup of strong coffee, a mid-afternoon snack or simply watch the children and adults frolic in the surf.cobblestone road & ocean view

And as we hop-scotched across the Algarve region, playing our real life version of Eenie, Meenie, Miney, Moe the decision played out quite naturally and logically in the coastal city of Lagos. Here we were, are, betting that we will find a place like home. A place to settle in, study a new language, volunteer and teach English, become a small part in a large community and a place to serve as a travel base for further exploration, a place to return to and a place like home. Time with tell. Our application for a long-term visa is wending its way through the Portuguese bureaucracy and we await the country’s blessing on our request to reside in the Algarve.  For now we’re practicing patience while we wait, living out of our suitcases as we continue to travel and crossing our fingers.

S. Goncalo de Lagos (1360 -1422)

S. Goncalo de Lagos (1360 -1422)

By Anita and Richard

 

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