Tag Archives: moving to Portugal

Just Like Riding A Bike, A Little Procrastination And Leaving Lagos

The Algarve Region, Portugal

The phrase keeps going over and over in my mind, “It’s just like riding a bike” as I look at this blank screen before me and think of the months that have gone by since we last posted. Once we get out of the habit of writing and posting every two or so weeks, it gets easier and easier to come up with excuses to put off typing out even a short blog post. Without updates, our friends, family and those of you who follow our blog are left wondering if we fell off the edge of the earth and we receive notes asking, “Is everything okay?”

In January, it was the ‘Portuguese Plague’ that lasted two weeks and wiped out thoughts of welcoming in 2018 with anything but waving a tissue clutched in our damp hands and a chorus of raspy hacks. Having house guests (one of whom stayed healthy enough to send out for groceries and more tissue) meant that our days seemed to go by in a blur. We also made several trips up and down the Algarve coast from Lagos to Albufeira where (more on that in a bit) we were planning to shift our base and trade in an apartment for a house.

 

 

The end of January saw me (Anita) packing a suitcase, gulping down last-minute, free-floating anxieties and clutching hugging Richard while I said goodbye as he’d decided the heat, humidity, dust and smoke from crop-burning in Southeast Asia would compete with the essential act of breathing. And then I set off on my first solo adventure to Vietnam and Cambodia which took care of …

All of February and …

Much of March.  Arriving back in Lagos mid-month, we sorted through two years worth of accumulated crap possessions, all the time thinking wistfully about our three years of full-time travel when we schlepped all our belongings in a suitcase and backpack. With the help of a Volkswagen-size van and two movers, we hauled our inelegantly improvised packing containers of garbage bags, baskets and salvaged boxes up and down the stairs of our apartment building and made the move to a lovely villa we’d found on the outskirts of our new town, Albufeira.

 

 

April and May were taken up with settling in and accumulating more stuff (time to relisten to George Carlin’s epic rant about “Stuff”) to increase our comfort level. Dare we mention we discovered the joys of IKEA? We also had several guests pass in and out of our new home (two extra guest rooms) during that time meaning there were lots more reasons to procrastinate rather than attend to our blog.

 

Seashore near Albufeira

And now … here we are in mid-June, half of 2018 gone by already, feeling like we’ve gotten a handle on our new home, a new lifestyle (co-housing) and getting to know and pick out our favorite places to grocery shop, wine-and-dine and enjoy the beaches. High season seems to start early in Central Portugal and avoiding crowds has taken priority. This year, we’d planned to stick close to home since that worked so well last summer. After all, if everyone else wants to be in Southern Portugal, maybe we should just hang out here too! Plans however have a way of changing as I’ll make a transatlantic flight at the end of June and again at the end of July to see our son in Denver and ferry our grandson back and forth so that we can introduce him to Portugal and break in his brand-spanking-new passport.

 

The countryside near our house

A little more about our new base which we’ll write about in our next post.  We’d known for months that our owners in Lagos wanted to reclaim their swanky apartment and put it up for sale, renting it out for short-term holiday lets until they got an offer. We’ve mentioned in previous posts that the Algarve rental market is tight; it can be difficult to find a year-around, one-to-two-bedroom apartment rental in the region now that Portugal has been discovered and is Europe’s new darling. Property managers and landlords make the most money out of the high season – June, July, August – and the shoulder seasons of May and September are becoming ever more popular. Blocks of holiday apartments sit empty for the rest of the year because the rent during the high season can exceed what a year around rental will bring in. Competition is fierce for an affordable rental in the Algarve between all the foreign residents who want to live here as well as the local Portuguese themselves. Like a lot of things that happen in life, sometimes you just need to wait for things to unfold, hope for some serendipity and, in our case anyway, do a little thinking outside the box.

Next Post: “Lagos We Love You but …” or “How the heck did we end up in Albufeira?”

By Anita Oliver and Richard Nash

 

Goodbye Lagos!

Living La Vida Lagos: How Much Does It REALLY Cost To Live In Lagos, Portugal?

Unless you’re reading our blog for the very first time, you’ll know that we’re delighted with our adopted country of Portugal and especially, the Algarve Region where we’ve been for the last two years, busily putting down some shallow roots. For us, it’s turned out to be an excellent place to live and we love exploring the area as well as playing impromptu tour guides, sharing favorite places with friends passing through. And maybe that’s why it really bothered us when we read an article about the cost of living in the Algarve that specifically mentioned outrageously low prices in Lagos (hamburgers costing €3) and promised that a couple could live on a budget of €1300 a month, more (that would be us) or even less.

But let’s back up a moment to confess that just a few short years ago, back in 2011 and right at the beginning of the germ of an idea that would lead to where we’re living now, I loved to check out the online stories about expats living out their retirement dreams in exotic locations overseas. We’d pass by the pics of palm trees and charming colonial cities and zero right in on our big question: What would it cost to live there? What would paying a rent of $700, $800 or even $1000 per month get us and what could we expect our groceries to cost each month? What was the price of a typical restaurant meal? A taxi? And, could we afford to pay the monthly air conditioning bill?

 

 

This is where traveling slow and living like locals as we made our way around and through several countries came in useful. From the beginning of our travels, we’ve kept detailed expense records of our daily costs and could tell you in a few minutes what we spent in each country. Having an idea what a realistic cost of living would be for us as well as what we could and couldn’t live without was extremely useful so that we could make some well-informed decisions based upon our practical knowledge. We visited many places where expats had written glowingly of their experiences and found, kind of like the nursery tale of Goldilocks and the Three Bears, that many places were too hot or too humid, some of the ‘springtime temps’ were too cold, some too rural and yes, some too expensive. Many places had little to offer in the way of things to do, some were too grimy, downright ugly or the air was polluted with diesel fumes, burning garbage and dust. In some places we had to be especially vigilant about protecting our possessions (we learned our lesson the hard way when a computer and camera were stolen in Ecuador) and there were places we didn’t feel safe. Lastly, some lacked medical services that we want in place as we age. Perhaps one of our most unanticipated lessons that we learned, on a memorable month-long visit to Big Corn Island off the coast of Nicaragua, was that our vision of paradise on a tropical island fell far short of the nirvana we’d imagined.

While we know that cost of living is an important consideration when you’re thinking of moving overseas, there are a lot of other things to think through, too. We’re mindful of our spending but bare bones living isn’t how we want to live. We want to download the new best seller onto our Kindles, watch Netflix, buy a pair of shoes or something for our apartment and go out to eat with friends without counting the pennies. And, contrary to what an online article we read said, €1300 ($1530 USD) a month probably won’t be enough to live in most places in the Algarve. (But, for those on a budget, don’t let us discourage you because there are some great places to check out north of us and along the Silver Coast which are less expensive.)

We compiled our expenses from July through November this year and then averaged our monthly costs to give you a better idea of what we spend each month living in Lagos.

 

 

RENT – €800/$939 USD

Rentals are difficult to find in Lagos so we were beyond happy when we found a fully furnished, modern, two-bedroom, two-bath apartment on the outskirts of Lagos. The apartment is a 5-minute walk to the beach and a 30-minute walk to the heart of historic Lagos. It has a large kitchen with granite countertops, a dishwasher and washing machine, a balcony with a sea view and access to a rooftop terrace. There’s a communal pool, a storage room and an underground parking space as well as plenty of secure parking behind a gate. (Note: Our lease ends in April and we’re hoping to find a house somewhere near Lagos so this figure will probably change.)

 

 

GROCERIES – €365/$430

We both like to cook and we eat the majority of our meals at home. We buy very little processed or ready-to-heat foods and eat a lot of fruits and vegetables, fish, chicken and lean hamburger. We usually slow cook pork and beef cuts as we’ve found them to be tough.

HOUSEHOLD – €160/$189

This includes all the miscellaneous non-grocery items that usually get lumped in with the grocery bill like cleaning products and laundry soap, toiletries (shampoo, toothpaste), paper towels and toilet paper. It also covers household items such as a printer stand, pens and pencils, garbage bags, plastic storage bins and kitchen towels.

UTILITIES –  €215/$253

We’ve lumped in three separate costs under utilities. Our PHONE/CABLE TELEVISION/INTERNET is bundled at €60/$69 for a landline, one mobile phone and basic cable. Our WATER bill recently increased and runs about €25/$29 and our ANNUAL ELECTRICITY averages out to €130/$153 per month. We changed our average cost from monthly to annual for our electricity bill to give you a better idea of what we’re paying for an average. From December through March, we heat the living room of our apartment and from May through October, we cool the apartment using fans and the old-fashioned method of opening our windows during the night rather than using the included A/C in the living and bedrooms. Sewer and garbage is included in our rent.

TRANSPORTATION – €170/$200

We bought a 2012, 4-door Skoda our first winter here for €7500/$8830 which has a manual transmission. Following a tip from a friend, we found a mechanic who charges us local prices rather than the higher prices we’d been paying at a far more conveniently placed auto shop. Gas in Portugal is outrageous no matter how you look at it. We pay roughly €1.50/$1.77 per liter or a heart-stopping €6/$7.06 per gallon. A set of four new tires and an alignment cost us €279/$329 which is included in our monthly average. Also included in this average is our monthly car insurance at €28/$33 and the road tax (similar to license place fees) which is €13/$15.

 

 

MEALS OUT – €138/$162

Meeting friends for a late lunch is one of our favorite things to do here in Lagos and there are plenty of restaurants and cafes in the area to while away an afternoon. An average meal for the two of us costs €25-40/$30-47 including a drink and small tip. For wine drinkers it can be a real bargain because sometimes a bottle of water costs more than a glass of wine!

 

 

CLOTHING – €99/$117

HEALTH INSURANCE – €92/$108 for both of us

We carry a Portuguese private insurance for which we pay an additional copay per doctor or dentist visit. As residents, we also qualify for the public healthcare, the Portuguese Serviço Nacional de Saúde (SNS) which charges a very small copay. We did not include our medical costs or prescriptions as figures can vary greatly from person to person.

LANGUAGE LESSONS/GYM – €107/$126

ONLINE PURCHASES – €113/$133

This includes Netflix, movie rentals and book purchases from Amazon for our E-readers

MISCELLANEOUS – €102/$121

This includes all sorts of incidentals like haircuts and random purchases that don’t fit into any other category.

THE GRAND TOTAL – €2361/$2780

For us, “Livin’ La Vida Loca” in Lagos, Portugal doesn’t get much better.  We have everything we need at our fingertips but, more importantly, we have (just about!) everything we want. And …WE’RE LIVING IN  FREAKING EUROPE!  Obviously, our priorities and expenses are going to be different from another couple’s spending but there’s no reason to exaggerate about how affordable the Algarve Region of Portugal is. (And articles saying that a couple can live here comfortably for €1300/month only set people up for failure.) There are always going to be less expensive places to live around the world but, for a country brimming over with history, culture, stunning landscapes, beautiful beaches, a mild climate, great food, good medical care and friendly people – we figure we probably don’t need to find a better place for us than right where we are!

By Anita Oliver and Richard Nash

Note:  We’re going to take some time away from writing for the next few weeks, so this will be our last post for 2017. Wishing you all a very happy holiday season and we’ll catch up with you sometime in January.

 

Playing Twenty Questions: Life as Expats, Life as Travelers, Life in Lagos, Portugal – Part Three

 

Back in 2011, when we were in the midst of preparing for full-time travel and radically downsizing, our announcements of our plans to various friends and family got a lot of different responses.

From dumbfounded gapes and guffaws to “You’ll never be able to do it.”

What a great idea. I wish I could but …”

But what about______? ”  Here you can fill in the blank with: leaving a steady paycheck and our eventual financial ruin to robbers, rapists, natural disasters, not understanding a multitude of foreign languages, getting lost, people who hate Americans, etc.

And right along with the ‘What abouts’  were the ‘What ifs …?’  One of our favorite ‘What If’ questions was, “But what if you die?”  We both cracked up with that question and gave a shrug but looking back, that question and the puzzlement it conveyed perfectly summed up why we were deconstructing and reconstructing our lives and taking a leap into the unknown.  Because the alternative question was, What if we died living our perfectly safe lives?  That of course excluded: floods, fires and hurricanes, traffic accidents, robbers, mass-murderers, and various diseases lurking and waiting to ambush us. Or what if we died while we were reputably employed: watching the clock, feeling the stress and pressure build, buried under the day-after-day grind, waiting for something new to break up the routine, waiting for the weekend, waiting for retirement? For us then, What if we die? became a huge incentive rather than an obstacle and a multitude of “What Ifs?” became possibilities.

And so, in our conclusion to our “Playing Twenty Questions” series and counting down the last seven questions, we’ll answer this What if question.

7) But what if I die?

We can give the flippant answer of We’re all going to die, which is far from helpful or give you our Hereafter philosophy.  (Trust us, you don’t want to hear it, you probably won’t agree with it, and it’s way more shallow than deep.)  That said, we drafted our first US will in the eighties, after our one-and-only was born, and we’ve updated it periodically since then.  Copies of our newest will are kept at my sister’s home along with our dwindling stack of important papers which include our Durable Power-of-Attorney and Advance Healthcare Directive.  A few months ago, we met with our Portuguese attorney and had him write a will for what few assets (car, bank account) we own here in Portugal.  This will is written in Portuguese with an English translation.  It’s pretty basic but among other things, our Portuguese will mentions that we also have a will back in the US. It specifically states that we do not want our remains to be repatriated to the US which is a huge expense and a why bother? (No one in either of our families seems to care that much about our decision to remain wherever we drop either.)  And, continuing with the mortal remains theme, last week we pre-paid for our imminent demise with a bare-bones (no pun intended) international funeral plan that includes everything we can anticipate.  We’re also in the process of letting trusted friends here in Portugal know where our papers can be found.  And, in keeping with Benjamin Franklin’s famous saying, “ … the only things in life that are certain are death and taxes,” our next question tackles the second part.

 

Reasons to love Portugal

6) How do you deal with your taxes?  Google the question, “Do I have to pay US taxes if I live overseas?” and the answer is a resounding “Yes.” The sad reality is that leaving the country does not mean you can leave this obligation behind, no matter how much you’d like to.  If you are a US citizen, you are required to pay income taxes no matter where you reside.  (For our readers who aren’t from the US, it’s worth checking out what your tax laws are if you’re considering long-term travel or expating.) Since we’re somewhat lazy and generally hazy on anything tax related, we have a Texas accountant who keeps current with the laws and has helped us file our taxes for several years.  Because we’ve done our damnedest to simplify our lives (no paycheck, no property, few deductions) our taxes are simpler to file too.

TIP – Paper tends to add weight when you’re traveling full-time and clutter when you’re not, so we scan copies of all our medical expenses and receipts to our computer and upload them to Dropbox in case we’re ever audited.

TIP – For those of you considering an expat life living and working in another country as a U.S. citizen (instead of a totally idyllic retirement like us) you are also required to file.  And yes, the IRS wants to know all about any money you make overseas.

And that leads naturally to the next question.

5)  If I get a resident visa to live in Portugal, do I have to pay taxes in Portugal?

This question gets you the wishy-washy answer of Yes and No and, since we’re not lawyers, accountants, nor remotely interested in trying to grasp any legal intricacies, we’ll try to skim-answer this question as best we understand it.  (In other words, if you want a better answer, ask someone else.)  Foreign residents who live in Portugal are called (probably one of the nicer names anyway) Non-Habitual Residents (NHR) and Portugal has a tax treaty in place with the US and several other countries that exempts these residents from double taxation on their foreign income.  Since we’re retirees, this exemption means that we don’t have to pay taxes in Portugal on our US social security and money from our retirement plans. Of course, nothing is that easy and you have to:

1) register as a non-resident taxpayer

2) obtain your residency visa

3) register as a tax resident in Portugal and

4) then apply for the NHR exemption which is applicable for ten years.

A link that explains this requirement better can be found Here and there are more answers online.  To be compliant, you need to file annual tax returns in Portugal, stating your worldwide income and provide adequate documentation as well as proof that you’ve paid your income tax back in the US.  We copied and submitted our income tax returns which worked just fine.

 

More reasons to love Portugal

4)  How difficult is it to set up a bank account?

In recent years, many foreign banks are refusing to work with American citizens because the US imposes burdensome filing requirements upon them but we found it remarkably easy to set up a bank account in Portugal and we made a good friend, Teresa, in the bargain.  (We refer all our friends to her.)  We picked Millennium BCP bank because it seems to be located in almost every city and village in Portugal, and our new BFF, Teresa, patiently walked us through all the forms. The bank account required passports, our rental lease, our fiscal numbers (trust us, this essential number, also known as an NIF, will be the most important part of your official new identity as a resident of Portugal) and a copy of our US social security cards.  We left with a stack of papers that included online instructions and passwords welcoming us and our money to the new Millennium family and received debit cards in the mail a couple of weeks later.

Note – We set up our account in November of 2015.  We’ve talked to friends who have set up accounts recently and our info still appears to be current.

TIP – If you plan to set up a bank account in Portugal (or any foreign country for that matter) this link is a terrific quick and dirty into to what you need to know about foreign bank account reporting as a US expat. And you can sound like an expat pro to your friends and family when you casually drop the acronyms FATCA and FBAR into your conversations.

3) Can you give me the lowdown on all things medical in Portugal?

This won’t be a surprise to anyone from the US, but we receive a lot of questions related to Portugal’s healthcare system from US citizens and retirees. As residents of Portugal, we are entitled to access the National Health Service (the Portuguese Serviço Nacional de Saúde or SNS) for almost free public healthcare.  Almost immediately after we received our residency cards, we signed up at our local health service center in Lagos bringing our passports along with us as required.  We were each issued a paper with our individual numbers to use in the event that we find it necessary to use the public healthcare system. That said, we understand that, although the care is good at the public hospitals, the waiting lists for routine visits can be longer than what we’d like and that many of Portugal’s public hospital and clinics may be crowded and understaffed. Instead, we’ve elected to access the private hospitals using our private health insurance company Medis, which was offered through our bank for a cost of €46 per person each month.  With private insurance, we have no problems getting in to see English-speaking doctors at the private hospitals in a timely manner and the care we’ve received has exceeded our expectations.  After coming from the US where many of the doctors are stressed out, overworked and all-too-often forget the human side of health care, it’s been awesome to find doctors who are warm and caring and our visits to them unhurried. The copays vary from €15 -25 and, if a prescription is necessary, we can get a discount at the pharmacy when the doctor writes down our national health service number.

The pharmacies are also quite different in Portugal compared to the US.  Some medications like inhalers are available without a prescription and when your prescription is presented, the medication is located, a notation is written on your prescription indicating that the medication has been dispensed and the prescription is handed back to you. Quick, efficient and quite a bit simpler than filling a prescription in the US but, my critique as a former pharmacist would be that there seems to be little advice given nor screening for drug interactions. There are upsides however, and almost all of the drug prices are much lower than in the US.

TIP – Make sure to ask for the generic as it won’t automatically be offered.

TIP – A good reference that will help answer your questions regarding Healthcare in Portugal can be found Here.

 

We love the pedestrian friendly streets too!

2) How’s that learning Portuguese going?

In the Algarve area of Portugal, as well as the larger cities of Lisbon and Porto, it’s not hard to get by with English as your primary language.  And, because laziness is always our convenient fallback, the fact that English is spoken widely has proven to be our greatest stumbling block.  We really have to put forth an effort to find locals to practice our Portuguese with as they, in turn, like practicing their English on us expats. That said, Richard (as always more diligent when it comes to language learning) has been attending classes twice a week for several months and is actually making some progress.  I, on the other hand, have found all sorts of excuses to avoid this exercise and fervently believe that (some) spouses should never attend the same classes if they want to remain happily married.  Eventually though, I realize that I need to ‘get with the program’ so to speak, and make a real effort to learn some Portuguese since this is our adopted country.  We love exploring other parts of the country where finding English speakers is more difficult and having some familiarity with the language really enhances our experience.

TIPHere’s a great online resource for learning European Portuguese (which differs from Brazilian Portuguese) that we’ve found useful.

And, our final question (for those of you still with us) is:

1) This lifestyle reset to become a fulltime traveler and/or expat sounds like a lot of work. Is it worth it? 

Yes and Yes!  We’ve heard variations of this question several times and rather than painting a rosy picture and telling a happily-ever after fairytale, we have to admit that shaking up our lives has been, in some respects, the hardest we’ve ever worked. The flip side to that is, it’s also been the hardest we’ve ever played and the past years have been some of the best in our lives. Trading the routine and the known is a great and trusting leap into the unknown cosmos of foreign plane, train and bus terminals, unique and exotic cultures and different languages, customs and rules.  And sure, there have been downsides: bureaucratic tape and finding work-arounds to get things done, patience-testing situations (that we generally fail first time around) and things that make us exercise our ‘colorful’ vocabularies. But, we can truthfully say that we have never contemplated going back to our old lives.  For us, going forward is infinitely more rewarding and making the decision to shake up our lives six years ago has wildly exceeded our expectations.

By Anita Oliver and Richard Nash

 

 

Playing Twenty Questions: Life as Expats, Life as Travelers, Life in Lagos, Portugal – Part Two

 

There’s no getting around it: writing a blog is work. It takes time.  It takes discipline. It takes waiting around for a brilliant insight to hit you or an inspiring thought (a very rare event) and slogging ahead anyway when your muse is silent. However, the effort is well worth it when we hit the ‘publish’ button and add another page to our personal time capsule.  Because, by far, our favorite thing about blogging is the comments part where we get to interact with old friends and new readers, trade ideas, exchange experiences and share some of the things we’ve learned as full-time travelers, expats and now, residents in our adopted country of Portugal.

Occasionally, we have an outline that we follow for a post but often, we just kind of watch and see how our post evolves in a stream-of-consciousness kind of way as this post did.  In fact, it got away from us, growing into an unwieldy tome, which is why we broke it up into parts.  In case you missed reading Part One, you can find the link HERE.  And now, on with the countdown and our version of Twenty Questions.

 

 

LIFE AS TRAVELERS

13)  What are some of the upsides and the downsides of full-time travel?

The Ups.  For most of the three-plus years we were nomadic, we were slow travelers and spent an average of one to three months in each country.  This allowed us to immerse ourselves into a destination, get familiar with how to navigate our way around a village or city and find out where the ATMs, markets and restaurants were located.  Traveling slow also allowed us to settle into the not-so-exciting business of living our lives with the familiar routines of cooking, cleaning, laundry, paying bills, correspondence and researching future places to visit.  Actually living in a place, however short the time, also gave us a chance to explore and discover the landmarks and landscape at our leisure: sightseeing at its best.  We chatted up the locals as best we could in our fractured Spanglish and exchanged a lot of smiles, nods and the occasional shrug. Whenever possible, we tapped into the local expat community to ask questions and meet people, many of whom we keep in touch with still. Our favorite thing about traveling full-time was the feeling of being more in the here and now, and slowing down to appreciate the unique quality of each countries’ similarities and differences.  And always, there was the anticipation of our next destination.

Tip – We traveled like the locals too, using the low-cost and well-developed bus systems of Mexico and Central America to slow travel from destination to destination.  In countries where we were more concerned about possible violence or danger like El Salvador and Honduras, we checked with local travel agencies about shuttles and would hire recommended taxi drivers to act as our personal guides.  Many times we used public boats and ferries to take us to more remote places like Placencia in Belize, Utila, one of the Bay Islands of Honduras, and Bocas del Toro in Panama. Once we reached South America where the distances are much greater, we used local airlines which are less expensive than their international counterparts.

 

 

The Downs.  To be truthful, there were very few things that got us down for the first two-plus years.  Maybe we were in the ‘honeymoon phase’ but the sheer freedom of structuring our days (or not) as we wanted to, was exhilarating.  We loved unfolding our big wall maps of Mexico, Central and South America (something we were always glad to make room for in our limited suitcase space) and figuring out how to zig or zag our way to our next destination. Gradually though, the idea of packing and repacking, living out of a suitcase, schlepping it from bus to taxi and back, just got plain old. Deciding what clothing to pack was easy in the one-season tropical climates of Mexico, Central and South America and some of the island countries. However, once we decided to shift our travels to Europe, the clothing needs doubled for a two-season climate and our suitcases got a lot heavier.  Visa restrictions, especially the Schengen Visa (click HERE for more info) made traveling more complicated. Living in too-small rooms and making-do with just the basics in an AirBnB apartment (every traveler has experienced a dull knife or two) gradually became less enchanting. We felt a growing isolation in places where we met few people and patching together our health care needs also seemed to get incrementally harder. The glow of nomadic life gradually dimmed in year three and we knew it was time to set up a base and use it as a place to launch future travels.

LIFE AS EXPATRIATES AND LIVING IN PORTUGAL

12)  Why Portugal?

Honestly, we’d always pictured ourselves living somewhere in a beach community in Mexico or somewhere in Central America.  As we traveled, we’d say, “Sure this is a nice place to visit but … could we picture ourselves living here? ” We kept a list of places that might work (interestingly, none of these were on a beach) but gradually we realized that the draw of many of the towns and cities we’d visited was more about the people we’d met than the actual places.  And, the more we traveled, the more we recognized our preference for places with historical landmarks and histories that went back centuries.  We wanted to be close to old world culture and museums as well as country landscapes including beaches and seas that we could look at for hours. We wanted to be close also, to markets and grocery stores carrying a selection of good foods and inexpensive restaurants that offered a variety of choices.  In a nutshell, we wanted our version of paradise:  a place where the cost of living was affordable, a mild climate and close proximity to many destinations for future travels.  We knew within a week of our first visit to Portugal that it had everything we were looking for – plus that indefinable feeling of coming ‘home’.  In fact, Portugal is rated Number 1 on Forbes’s 2017 Best Places To Retire Abroad and Number 3 on the 2017 Global Peace Index (right behind Iceland and New Zealand), ahead of Canada at Number 8 and a light year away from the US standing at a dismal Number 114.

 

 

11)  How do you get a Resident Visa in Portugal?

We wrote about how to get a 4-month resident visa HERE for US citizens with some explanations and links.  To give you a recap:  you need to apply in person or by mail to a Portuguese Consulate (information can be found HERE) or the Embassy in Washington, D.C.  Information listing the various types of visas and how to apply, including a list of supporting documents needed is available HERE.  Once your initial 4-month visa is approved and you arrive in Portugal, you’ll have time to settle in before you’ll need to renew it at the SEF (Service de Estrangeiros e Frontiers or, in plain English, the Immigration Office) and submit a few more documents.  Our post detailing our first experience at the SEF can be found HERE.  This visa renewal is good for one year. The next renewal will result in a two-year resident visa which is what we have now.

Tip 1–  If it sounds complicated, we’re not going to argue.  However, think about the bureaucracy in the US for a moment (or any ‘First’ world country for that matter) and you’ll realize how many years it took to assemble your paper life.  The ‘Great Document Roundup’ as we called it may seem daunting but only because you’re amassing all the required documents at once.  Just take a deep breath, muster your patience and break things down into steps.

Tip 2 – In our various posts, we talk about hiring a lawyer to help us through the visa process.  In hindsight, this expensive assistance really isn’t necessary although a little handholding is always nice. (However, we’d rather hold our own hands at this point and save some money.)  You can do everything yourself for the first step of the visa process when you’re gathering your documents to submit to the Portuguese consulate. Once in Portugal, there are a few times when you might need a lawyer but this is a pricey way to go.  A much less costly alternative can be found in the form of a Portuguese resident who can act as your fiscal representative in obtaining a couple of documents. Check with a local expat group when you arrive for recommendations.

 

 

10)   What is your Cost of Living?

This is the question that always interested us when we’d read about the lifestyle of other expats in various countries because, while it wasn’t our main reason for expatriating, it still played a major part in why Portugal appealed to us. We’ve kept track of our monthly expenses since September 2012, at first because we were curious as to how the countries we were traveling in would compare in terms of expenses, and as a way to monitor our own spending. We have an up-and-coming post where we’ll itemize our expenses but we have a quick and dirty estimate of our monthly costs for the last three months which includes rent, utilities, food, car maintenance and gas, health insurance, household goods and miscellaneous costs.  Excluded are travel and medical expenses.  Our monthly average is about USD $2500 – $2800 per month.  We probably eat out two to four times a month and our rent is about $900.  We’re mindful about how we spend our money but we like our comforts and splurge occasionally too.

Tip – Keep in mind that we live in the Algarve Region of Portugal which, along with the city of Lisbon, is the most expensive area of Portugal.  Your money will go farther if you opt to live in other areas.

9)   How do you find a rental apartment in Portugal?

There’s no such thing as multiple listing here in Portugal and finding a rental can be a slog, especially in the popular Algarve where you’ll find yourself working with multiple property managers.  Rents are all over the board with the area around Lagos one of the spendiest for a long-term rental.  Anywhere between €600 – €1200 is reasonable for a 1-2 bedroom/1-2 bath apartment.  To start your own research, check out the Facebook page called Long Term Rentals Algarve for listings or type Rentals in the Algarve region of Portugal into your browser for listings and property managers.

Tip – We tell people who are thinking about visiting the Algarve area and Lagos in particular to avoid the high season months June through August and maybe even the shoulder season months, May and September, when rents are at their highest and tourists crowd the streets.  AirBnB has listings for short-term rentals anywhere you want to visit and nothing beats the boots-on-the ground approach to finding a year-round rental you like.

8)  What about buying a house or condo?

We don’t know about the rest of the Algarve, but a common sight in Lagos are the cranes silhouetted against the sky and apartments and condos in various stages of building.  Signs saying ‘For Sale’ or ‘A venda’ can be seen wherever you look. It’s a hot market and the asking prices are still climbing way past anything we’d want to spend.  Having divested ourselves of our property back in the US, we much prefer the freedom of renting versus tying ourselves down anywhere. At this point, there doesn’t seem to be upside.  At the very least, wait until you’ve been here awhile and have had a chance to explore the variety of regions and the country to find what suits you best.  We happen to like the more rural, laid-back feel and climate of the Algarve but friends of ours prefer the central and northern coasts around Lisbon and Porto where there’s more of a cosmopolitan vibe.

Once again, this is a l-o-n-g post and many of you may be saying, ‘Enough already!’  Our fervent wish is to leave you hanging on the edge of your seats and wanting more (dare we hope?) rather than tuning out.  Part Three of Twenty Questions will conclude with our last seven frequently asked questions and start out with the lowdown on all things medical.

By Anita Oliver and Richard Nash

 

Part Two – Figuring It Out Along The Way – Life In Portugal

Lagos, Portugal

Lagos, Portugal

At the end of our last post, Part One (read it here) we promised that we would continue our “Not the Same As” list comparing the differences between life in the States, no longer United, and our newly adopted country of Portugal.  Sure, we could paint word pictures about the picturesque cobbled streets, the single lane country roads that curve and beckon one to explore, the giant storks’ nests upon the chimneys and roofs and on and on. Storks, Lagos, Portugal. Photo by No Particular Place To Go

Those were the things that piqued our interest about this part of Europe and made us fall in love with the country but they don’t answer the questions we had when we first moved here.  Our questions were a lot more prosaic, dealing with life on a day-to-day basis but, seriously, we didn’t even know enough to ask them.  So, here’s another list to answer the question of, “What’s it really like to live in Portugal?”

Shopping.  Not to make light of the homeless situation in the US, but we’re from the land where grocery carts serve as portable storage trailers.  It’s not unusual to see someone walking along the edge of the road with a cart piled high with their belongings and what these runaway carts cost the store is another matter altogether. However, Portugal is the first country where we ran into “tethered grocery carts.”  (Evidently Canada has them but, as our Canadian friends remind us, they’re ahead of the US on a lot of things.)  Upon seeing these for the first time, we hung out for a bit (trying to figure this new wrinkle out) before watching someone insert a coin which released the chain holding the carts together.  In a “Duh” moment it took us a few trips before we found out we could get our money back at the end of our shopping by inserting the key at the end of the chain again whereupon our coin would pop out.  The store even gives away plastic coins so you can spend all your money right there!   Anyway, we think these are clever and we like to dazzle our American friends with our new parlor trick when they come to visit.Tethered grocery carts. Photo by No Particular Place To Go

Fruits, vegetables and bread.  We love them all and they seem to have so much more flavor than what we’re used to in the US. The upside (or downside depending what side of the argument you’re on) is that they spoil much faster because the fruits and vegetables are ripe when they’re picked and, as the commercials used to promise, at “the peak of their freshness.”  A loaf of still-warm bread is best the day of purchase because there are no preservatives.

We buy our eggs in a half carton, six at a time, off an aisle shelf; they have yolks so yellow they’re almost orange.  Likewise, our milk, which comes in a waxed cardboard carton, is found on a shelf on another aisle. Neither is refrigerated.  Since we were properly indoctrinated on the need to refrigerate dairy products, it took us a while to accept that it really was okay to ingest them.

And then there are the bright red ticket machines. Rather than lining up in front of the butcher or baker’s counter, people pull off a numbered piece of paper which marks their place and mill about.  The number comes up on a display or the baker/butcher yells it out.  The whole system seems to work fine.  A quirk however (and we’ve been ignored a few times) seems to be that you need to pull your number even if you’re the only one standing there.  Ticket machines are ubiquitous: at the post office, the doctor’s clinic, pharmacies, phone or cable stores and any government service where people might line up.

Obviously, the subject of shopping could take a whole post but we’ll stop after one, two, three more observations.  1) Bring your own tote bags or you’ll need to buy some. 2)  Remember to sign up for the store’s loyalty plan and have your card scanned at the beginning of your purchase.  It can save you a lot of money.  3) And, like most countries, it’s usually not a matter of one-stop shopping.  Pingo Doce is our favorite store and we buy our hamburger, plump chicken breasts and most of our produce from there.  Continente gets our business because it’s closer, we can buy plain Doritos corn chips, Knox spice mixes and (no kidding) sometimes hard-to-find celery as well as some household goods.  We shop at Aldi for the best priced walnuts, feta cheese, hard German salami and the adventure of seeing what goods (socks, plastic ware, toys, umbrellas, jackets, and once even sewing machines at €90) are in their center aisle bins each week.  This week we scored with an electric heating pad! In Lagos, we have our favorite, butcher, bakery and fruit and veggie stands.

Driving. Stop signs and traffic lights are the exception in Europe.  Here, roundabouts rule. We first ran into roundabouts in the island country of Curacao and were confounded, not in small part because the signs were in Dutch.  Our GPS directs us to, “Go around the rotary” and “Take the second exit” in a proper British accent but it took us a while to get the hang of roundabout etiquette.  We thanked the gods above more than once last winter that we could practice during the low-season while the streets and roads were mostly empty. (Here’s a big tip: We take turns driving so that we can change-up who’s yelling at who.)  Here’s a handy diagram that might help.

Source

Roundabout Etiquette  (Source)

And, speaking of tips, after one exits a roundabout in urban settings, there’s usually a white-striped crosswalk.  Pedestrians have the right-of-way of course, but it’s easy to tell who’s local because the Portuguese assume we’ll stop while tourists look both ways first before setting a foot on the road.  Once we’d “mastered” some of these driving proficiencies, we were still puzzled about the occasional honk we’d get when we signaled to make a left-hand turn.  Finally, we realized that we hadn’t seen many people making them … Another “Duh” moment because the roundabouts also serve as a way to change directions and avoid most situations requiring a left-hand turn.

(Not-so) Common Courtesies. There are of course the usually handicapped parking spaces but there are also signs for preferred parking spaces for pregnant women and parents with children.  And, after some internal fuming about the old women who sashay their way ahead of us in line at the grocery, we learned there’s a common practice of allowing the elderly to go ahead in line. Kind of nice, right?

Preferred seating and priority service

Preferred parking for pregnant women and parents with childrenAt the doctor’s and dentist’s offices, the appointments are on time or only a little late.  And, we kid-you-not, the staff apologizes if they’re running late. We usual get a text message reminder a few days before scheduled appointments and we’ve received calls saying that the staff is running behind and asking us if we could come in later.

At the Movies.  One of our small pleasures, now that we belong to the leisure class, is going to the movies.  Lagos has a small movie theater, right above one of the Chinese stores (that’s a post for another time) with two “salas” or rooms with screens.  A new movie comes to town each week on Thursday and usually there’s one or two for adults, including first-run movies in English with Portuguese subtitles and something good for the kiddies.  The tickets cost about €4 each and a large bag of popcorn is under €2.  We’ve heard they make American-style popcorn occasionally but so far, we’ve just had the typical Portuguese popcorn, a caramelized, slightly sweet treat that’s grown on us.  At this price, we check the offerings weekly and usually go to the matinees where, most times, the “crowd” is less than ten people so we get preferred seating too. This week the offerings are Office Christmas Party, Sing! and the new Star Wars movie, Rogue One. Because Christmas is right around the corner and the holidays have begun, we may have to give up our preferred seating and rub elbows with the crowd to see Rogue One.

We’ll close this two-part rambling post on basic life skills for expats in Portugal with a note on Time.  Continental Portugal is in the Western European Time (WET) Zone, usually abbreviated as UTC + 00:00.  (Note for you trivia fans like us: UTC stands for Universal Time Coordinated and is the same as GMT or Greenwich Mean Time.)  A reminder to our son in Denver, Colorado: This means we’re seven hours ahead.   Portugal observes daylight saving time and uses the 24-hour clock so appointment times are written as 09:00 or 14:30 rather than 9 AM or 2:30 PM.  The date is written in a DAY-MONTH-YEAR format so today’s date is written 17/12/16 rather than 12/17/16.

So, on this day, a gorgeous, mostly sunny, Saturday afternoon with the temperature high of 17 °C on 17 December 2016 in Lagos, Portugal, we say “tchau!”

By Anita Oliver and Richard Nash

Pedestrian only entrance to historical city of Lagos, Portugal

Pedestrian only entrance to historical city of Lagos, Portugal

 

 

 

Part 1- Figuring It Out Along the way – Life in Portugal

lighthouse at Ponta de Piedade in Lagos

Lighthouse at Ponta da Piedade in Lagos

Traveling and expating means that we have to/get to learn new ways to do things. We, however, like to think of it as a fun exercise in “mental stimulation” that AARP recommends to stem the onslaught of dementia.  Each country we visit has a unique twist on how certain things are done and, despite how Urban Dictionary defines different as a “pseudo-polite way of saying something is unpleasantly weird or unacceptable,” we like to think that differences just are.  And in Portugal, our list of “Not the Same As” keeps growing.  Here are some basics.

Language  In Portugal, the official language is Portuguese.  As we’ve looked through various books and online teaching classes we’ve learned that there are two variants:  Brazilian Portuguese and the correct choice, European Portuguese.  Here in our part of the country, the Algarve, most people speak English, a fact that has made us very lazy but here’s hoping that (someday) we’ll magically acquire the ability to twist our mouths and tongues into the acceptable shapes and pronounce suitable sentences in the correct tense.  So far we’ve evolved from English to Spanglish to Portuglish.

Money  In the US the dollar ($) is king but in Portugal the euro (€) reigns.  What we like are the bills which are different sizes and colors depending on the denomination and, rather than one euro notes, there are one and two euro coins.  The downside is that your wallet can get very heavy, very fast.  Right now, since the dollar is strong, the conversion rate is almost at parity with a euro approximately equal to $1.06 dollar.  This means, with nineteen countries in Europe using the euro, travel is a pretty good deal right now.Euros. Photo by No Particular Place To Go

Plugs, sockets and adapters Like all of continental Europe, Portugal uses the Europlug, a two round pin plug for 220 – 240 voltage that fits into a recessed socket.  Since most of our electronics are from the US, we have a variety of adapters that we’ve picked up here and there and, because our wall sockets are never quite enough or conveniently placed, we use extension cords.  With our adapters, and especially with the surge protector on top, it makes for an inelegant and precarious tower.    Inelegant extension cord, adapter and surge protector. Photo by No Particular Place To GoMeasurements  Growing up, we both remember hearing our teachers say that the United States was going to change over to the Metric System “any year now.”  Decades later, that still hasn’t happened but we’re getting pretty darn familiar with the concept.  Our weather forecast and oven setting are in Celsius versus Fahrenheit, our mileage is in kilometers versus miles, our drinks are in liters and our weight is in kilograms (so getting on that scale isn’t quite the shock it could be).

Our home  Forgive us for a sweeping generalization, but it seems that in Portugal and the parts of Europe that we’ve seen, everything is smaller, including the houses and apartments. The refrigerators are narrow and it’s common to have the refrigerated section on top and the freezer below.  Washing machines are half the size of their American counterparts. There are no garbage disposals – or none that we’ve encountered.  Dishwashers are rarely installed in older homes but are more common in newer, higher-end apartments or refurbished homes.  And clothes dryers are even rarer – maybe because they’re expensive or because utility costs are high.  We have a fold-up rack for drying our clothes, a few lines on our rooftop terrace and a good supply of clothes pins . And speaking of clothing care, ironing boards and irons appear to be in every hotel room and rental.  In the stores, there’s a whole offering to the mighty iron. Instead of central heating, homes have heaters of many varieties and various efficiencies in selected rooms and doors to close off the warm areas from the cold. On-demand hot water heaters are the norm as opposed to up-right tank water heaters.  Upright vacuums are rare and much more expensive than the canister types and we have yet to see a wall-to-wall carpet.  It’s more common than not to see bidets in the bathrooms and let us tell you, we’re getting spoiled with our heated towel racks too. (Okay, heated towel racks probably aren’t common but it hasn’t taken long for us to get used to them.)  And the beds … all we can say is, “Where are the box springs and pillow-top mattresses?”  Beds are low, usually a mattress on a platform, which might be good for the back but less-so for the soul.

Cars  Cars are smaller too.  Perhaps so they can wend their way through cobblestone roads designed for a donkey and cart without knocking off the side mirrors? (Of course, there’s no need to ask how we know that those side mirrors pop right back on when you do that, right?)  And another thing. There’s a whole generation or two in the US who have no idea how to drive a car with a manual transmission but here’s a heads-up – get some practice. We’re not quite sure why but it costs more to rent or buy a vehicle with an automatic transmission – or it would if you could find one.  Lucky for us, we hail from the generation that needed those shifting skills occasionally.  But, speaking of skills, we’ve discovered that parallel parking is something we could both use a good refresher course on.

Which bring us to – Gasoline.  Portugal has both the self-serve stations and attendants who’ll help you feed the hungry beast or pick you up after you faint at the price.  Because, in Portugal, gas prices are a whopping €5.60/4 liters which is roughly a gallon. And with OPEC back in the gas boycott business, prices may escalate soon. community garbage cans. Photo by no Particular Place To Go

Garbage  Yes, we have recycling!  Instead of a trash and recycling bin for every home however, the garbage cans are grouped together every few blocks for common use.  It’s a sort-as-you-go system and the bins are clearly marked with the refuse that goes in them.  They sit on a concrete pad that is cleverly lifted so that the containers below can be emptied.  Our bins are three blocks away which gives us a good reason to take a stroll every day

Garbage seems like a good place to end the first part of our “Not the Same As” list.  Next post we’ll continue and talk more about our daily life in Lagos, Portugal, including driving, shopping and entertainment (some say they’re the same thing 🙂 ) and small courtesies.  To quote a couple of lines from singer-songwriter Jimmy Buffett, “It’s those changes in latitudes, changes in attitudes, nothing remains quite the same…”  Here’s to the differences!Tiled house, Ferragudo, Portugal. Photo by No Particular Place To Go

By Anita Oliver and Richard Nash

 

Emigrating, Immigrating and Celebrating Our First Year in Portugal

Countryside in Central Algarve, Portugal

Countryside in Central Algarve, Portugal

We don’t usually think of ourselves as trend-setters.  We left the US in 2012 with the plan to travel slowly and see where the road took us.  We’d concluded the year before, in 2011, that the only way early retirement would be possible for us was to look at moving to another country where the cost of living was cheaper and the health care more affordable.  We weren’t making any political statements as we traveled slowly from Mexico to Central and then South America with a couple of island nations thrown in for good measure.  And how we ended up in Portugal wasn’t because we were disaffected with the US.   However, judging from the dramatic increase in Americans inquiring as to how to move to other countries like Canada, (so many that the immigration website repeatedly crashed the night of the election of Donald Trump as the future President) we may well be ahead of a rising number of US expatriates seeking new lives elsewhere.

Along the cliffs between Lagos and Luz.

Along the cliffs between Lagos and Luz.

Coincidentally, the increased interest in moving abroad has occurred on our first anniversary as Portuguese residents, living quite happily in the Algarve area of Portugal.  It’s been awhile since we’ve talked about our lives in the small city of Lagos, what we’ve learned as we’ve coped with the cultural differences and figured out how, where and when to get things done.

One of the most important things we did, after consulting our lawyer and giving our landlord the required 60-days’ notice, was to move.  Turns out there’s a H-U-U-U-G-E difference in living out of a suitcase for three years and viewing each home as temporary versus renting a place with the plan to stay for a year or longer.  Our small apartment at the Lagos Marina was iffy from the start and, over the five months we lived there, doable slowly changed to irritation, changed to the old movie line from Network, “I’m mad as hell and I’m not going to take it anymore!” Heaters were replaced and light fixtures repaired but we were still left with broken down, uncomfortable and stained furniture, the sound of late-night partygoers holding loud conversations outside our windows and the fact that we had about a foot of counterspace to prepare meals in our “efficiency” kitchen.  And once we rented and later bought a car, the walkable location and proximity to the grocery store, city center, bus and train stations became much less important.

View from our balcony

View from our balcony

Finding a rental in Portugal.  Unlike the US where rental companies and realtors share multi-listing services, it takes a little more effort and diligence to find a rental here.  It’s not that there aren’t property managers, rentals or sellers out there – it’s just that their listings are exclusive.  A renter or buyer goes from one representative to another and views different properties with different agents until they find what they want.  Another wrinkle in the Algarve and especially in Lagos, is finding a long-term rental versus a short-term rental (called a “holiday let” here) because this is a popular tourist area.  The rents double and triple in June, July and August and many owners have a good income as well as the option of using their property as a vacation home.  We’d made friends with one realtor during our time in Lagos and a new friend recommended another property manager so, in a classic case of the right time-right place circumstances and in the space of a week, we had two great places to choose between.  One was a 2-story, 3-bedroom, 2-bath townhouse/condo for €900 in the nearby town of Luz and the second choice was a very modern second floor apartment, 2-beds, 2-baths with a sea view on the outskirts of Lagos for €800.  Both were furnished nicely right down to pans, plates, sheets and towels, had gated access with parking for our car and lovely pools.  We opted for the second apartment with its granite countertops and dishwasher (only €50 more per month than our original rental) and, giddy with the feeling that we had a most excellent abode, forked over without any hesitation our first and last months’ rent.  We’d moved to Portugal with three medium-sized suitcases, two carry-ons and two small backpacks.  This time it took two car trips to schlepp our stuff, mostly kitchen items, a bulky printer-scanner, pillows and off-season clothing, Beverly Hillbillies style.

What we learned.  We should have rented a place month-to-month (Air BnB has some great choices) for the first one to three months while we looked for a good rental that better suited our taste and budget.  It takes a bit of work to wriggle out of a long term lease.

Other things to consider:

*If you’re thinking about the Algarve, start your search during the shoulder or off-seasons, September through May.  You’ll save money and there will be more choices available.  Keep in mind that living along the coast will be more expensive as is living in a popular tourist town like Lagos.

*Rent a car by the day, week or month (the rates go down during low season) even if your plan is to be auto-free and pedestrian once you settle in.  This will give you a chance, in your quest to find the right place, to explore the small villages scattered along the coast and inland which all have unique personalities and characteristics.

*Don’t buy a property right away if that’s what your long term plan is. There’s a lot to choose from and no reason to rush. And, if we haven’t made it clear by now, our plan is to keep renting for the foreseeable future. We’ve been there – done that as far as owning property and we much prefer to keep our options open.  In fact, we really can’t see too many reasons to buy property in a foreign country since the rents are so reasonable.

Coastline near our apartment

Coastline near our apartment

Changing your address.  Since we’d traveled for several years we’d gotten out of the habit of a having either a phone (when you’re new in town who are you going to call?) and mailbox.  The ease of doing everything online and staying in touch by email is a no-brainer.

*However, now we had a phone and internet/cable contract so we walked over to our service provider, MEO, to advise them that we were changing addresses and needed to have the cable moved to our new apartment. The new installation cost a whopping €100.

Consider: In a foreign country, we always try to do things face-to-face to make sure we understand and are understood!

Consider: If you’re going to rent short term, find a place that has wi-fi and cable TV (almost every apartment but the one we rented!) to avoid a package contract.  Our new apartment had public Wi-Fi and cable so now our services are duplicated. On the upside, our total bill is only €54/month and our internet is private.  Still, if you only have a phone contract, it’s much easier to update the address and pay the bill as an auto deduction from your bank.

*We took photos of the water, electricity and gas meters of our old apartment on the day we moved out to give to our former landlord to change the utilities back to his name.  The whole process of changing the utilities took a lot of patience and ended up with us feeling frustrated as well as feeling like we’d (most probably) been ripped off.

Lesson Learned.  Our new property managers gave us the option to keep the utilities in the owner’s name and we pay the bills online as we receive them which is much easier and more straightforward.

ruins near Porto de Mos, Lagos

ruins near Porto de Mos, Lagos

As foreign residents, the most important people to tell about an address change is the SEF, Service de Estrangeiros e Frontiers aka the Foreigners and Borders Service –  in short, the immigration authorities.   We stopped by the nearest SEF office in the city of Portimao where we showed them our new lease and address, forked over €40 each and had new photos (hurray, the new photos make us look less like fugitives but one of us is lacking a chin!) and fingerprints taken since SEF would issue a new resident card with our updated information.

Another lesson learned.  Make sure your address is complete.  While our address was correct the original information we’d been given lacked our apartment number which meant the postman couldn’t deliver it.  We waited and waited for our new resident cards to come, checked at the post office where they shrugged their shoulders in a polite but unhelpful way and finally went back to the SEF office to find out the cards had been returned.  We picked them up and, next time, will make sure our new cards have the apartment number on them when we renew our resident visas.

Car Taxes and Road Inspections.  We’d bought our spiffy little car, a used, low-mileage, 2012 Skoda, from a reputable dealer for €7500.  In Portugal, the license plates come with the car and a road tax is paid annually at the Finanças office.  Our cost was about €120.  Once a car reaches the grand old age of four, it also needs to be inspected either annually or biannually depending on its age. Using a hand-drawn map, we headed out of Lagos toward the town of Sagres for a few kilometers, past the campground, around a few roundabouts until we saw a furniture store and, next to it, our target, the Inspecção Automóvel.  We paid the inspection fee of €33 and watched as our baby was poked and prodded, the brakes stomped on repeatedly until we thought we’d have to buy new tires and then shaken, over and over which had us thinking, “This can’t be good.” And it wasn’t … We were given a temporary pass, told to have our shocks replaced and headlights adjusted (€300) and instructed by the unsmiling technician to return within the 30-day grace period. A final re-inspection fee of €8 (and a smile at last) confirmed our car’s continued road worthiness for another two years.car inspection

Portuguese Driver’s License. We haven’t quite figured out what to do here. As residents, we’re supposed to have a Portuguese driver’s license but we understand that we have to exchange our US licenses.  In the US, a license is necessary for many day-to-day transactions. Since we travel to the US and also drive, we don’t want to surrender our licenses.  We’ve talked to several Brits who have lived here for years and have yet to find anyone who has exchanged their licenses.  So, for now, this issue is unresolved.

Lastly, and thanks to our lawyer, we recently received our registration as Non-Habitual Residents (NHR) which exempts our foreign income (like social security) from being taxed twice, once by the US and again by Portugal, for ten years.  We’ve included a link here which will explain this difficult concept much better than us since our understanding is, “WTH?” at best!  Taxes for Non-Habitual Residents

Looking back at this lengthy tome we’ve written has us thinking “We should have done this months ago” in more manageable posts!  For those of you with questions about becoming a resident in Portugal, hopefully this provides more information and didn’t induce too many yawns.  For those of you happy where you are, we hope we’ve impressed you with our dogged determination to master our lives in a foreign country.  Every day we’re reminded in many small ways that, “We ain’t in Kansas anymore.” Things are done differently here in Portugal but the extra effort is definitely worth it.

A cairn along the cliff path near Lagos

A cairn along the cliff path near Lagos

By Anita Oliver and Richard Nash

Next Post:  Continuing with the “We ain’t in Kansas anymore” theme, we’ll talk about some of the things, for better or not, that are different here in Portugal.

 

 

 

 

 

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