rentals – Ex-pats in Mexico

And the winner is…

It was quite difficult and we did a lot of back-and-forth, but Leslie and I have decided on our new home. We had two excellent — and very different — choices. How did we choose between Ajijic, Mexico, and Montpellier, France? Let’s look at the data.

First, what’s so good about Ajijic? I know, some of you think there’s nothing good about anywhere in Mexico. That’s probably because you’ve never been where we’ve been. A good friend and former work colleague was one of those people until recently. We had lunch a few days ago and he said he enjoyed reading this blog, saying, “You’ve made Mexico three-dimensional for me. It was always one-dimensional.”

Ajijic is close to the U.S., so we can get back easily if need be, and friends and family can visit. The cost of living in Ajijic is quite favorable. Coupled with the good dollar-peso exchange rate, that makes Mexico a great place for North American retirees. And the Mexican people are warm and friendly; pass a local on the street and you’ll always hear “buenos dias.” Here are some other Ajijic positives:

Furnished rental housing is easily available.
Climate is mild with few extremes.
There’s a thriving English-speaking faith community.
There are many other expats in the area.
The Lake Chapala Society offers lots of services and events.
There are volunteer opportunities to remain active.
We have established contacts to help with our transition.
Health care is good. Most doctors are trained at the medical school in Guadalajara, which is affiliated with Johns Hopkins.
There are a number of cultural opportunities, both in the Lake Chapala area and in Guadalajara, which has its own symphony orchestra and opera company.

There are some downsides to Ajijic, though. Area roads are not as good as in Europe, and in most places you must drink bottled water. One big complaint is that in some parts of the Lake Chapala area you cannot flush toilet paper. It goes in a trash can instead. We would need housing in the newer areas where this is not an issue. A few other not-so-good things:

Intercity roads are limited.
Public transportation is not great. Intercity bus service is great, though.
Are there too many gringos in the area?
Right now there is uncertainty about the future of the Mexican government. The new president does not take office until December.
Locally grown vegetables must be treated before eating. It’s simple but time-consuming.
Infrastructure in the village is not great, and there is limited parking.

Montpellier also has lots of positives, most notably its energy. There’s a great vibe in this fast-growing city. Cultural opportunities abound — concerts, festivals, plays and other forms of entertainment. Food from local markets is of a higher quality than in the U.S., and there are great markets all over town. Leslie was able to eat cheese and bread in France. Her system has had a problem with both for years, and she was in heaven! Some other good points:

Public transportation is excellent.
It’s easy to reach other European countries we want to visit.
It’s close to some nice Mediterranean beaches.
We have established contacts with people who can help with our transition.
France is a first-world country with excellent infrastructure.
History is pretty much everywhere.
The World Health Organization ranks French health care as the best in the world.

But the cost of living in Montpellier is higher than in Mexico and with the unfavorable dollar-euro exchange rate, the dollar doesn’t go as far. Also, getting to France is a little more difficult and time-consuming, so we might get fewer visits from family and friends. And there’s this:

Furnished housing may be limited, and two-bedroom apartments are expensive and rare.
It gets a little chilly in winter. Last winter they had some snow, although it melted two days later.
There’s a seven-hour time difference from Chicago; nine from Stephanie in San Diego.

We took all that — and more — into consideration and agreed that by Nov. 1, we hope to be full-time residents of Ajijic, Mexico. We’ve already begun getting paperwork together for our permanent resident (retiree) visa application.

There were several factors, but mostly we think it will be easier to transition into living long-term in Mexico than anywhere else we’ve been. We’ve spent a lot of time there over the past two years and we have a network of friends to provide help and advice. Location and cost of living were also big factors. We’ll actually be closer to Stephanie than we were in the Chicago area, and friends and family have an easier time traveling to Mexico for visits. Plus, the dollar goes a lot further in Mexico, and the climate seems to be better. While we loved living in Montpellier, we simply felt Ajijic would be the best bet for our first attempt at being true expats.

That doesn’t necessarily mean we will live in Ajijic forever. Remember, we might decide at some point to get a change of scenery and relocate. Montpellier would probably be at the top of our list.

This blog, of course, will continue! We’ll keep you posted as the process develops.

mariachis-0033 — *Strike up the band! We’re on our way to Ajijic.*

Europe, France, Living overseas, Uncategorized

So what does it cost?

Cost of living is an important factor in our choice of where to live. It’s not the most important, but I think we must give stronger consideration to countries and cities where our dollar goes further. So let’s look at what we’ve been spending to live like the locals here in Montpellier, France.

After housing, food probably takes the biggest chunk of our budget. For most items, we go to the French grocer Monoprix, which has a store in nearby Place de la Comédie (all amounts in USD):

canned white tuna, 3.28 oz., $2.32.
facial tissue, $2.51.
almond milk, 1L, $3.48.
basmati rice, 17.6 oz., $2.04.
gluten-free bread, $5.13.
Colgate toothpaste, 2.5 oz., $2.90.
olive oil, 16.9 oz., $6.98.
President butter, 8.8 oz., $5,47.
one dozen eggs, $3.48.
Barilla pasta sauce, 12.8 oz., $2.27.

For fruits and vegetables, there’s the Halle Castellane market right next door to our building. There are a number of vendors for fruits and vegetables, chicken and meat, seafood, cheese, even wine:

aged comté cheese, 10 oz., $11.63.
broccoli, 10.9 oz., $1.01.
head of romaine lettuce, $1.52.
asparagus, 12 oz., $3.83.
eggplant, 9.3 oz., $.91.
zucchini, 11.1 oz., $1.02.
Roma tomatoes, 12 oz., $1.90.
carrots, 19 oz., $1.63.
white onions, 12 oz., $.80.
boneless chicken breasts, 11.5 oz., $6.54.
beef tenderloin, 10.2 oz., $14.85.

There’s also a good boucherie (butcher shop) close by. We got a 1.3-pound pork roast there for $9.18, and 2.2 pounds of ground beef for $14.99 — and they ground it fresh while we watched!

*Heirloom tomatoes at the Saturday morning open-air market.*

We’ve also been to the open-air market under the 18th-century aqueduct, but the vendors don’t always provide receipts and I can’t remember what we spent. We pay cash for all those transactions. I sense it’s slightly less than at Halle Castellane. The open-air market is only on Tuesday and Saturday mornings, and it’s a bit of a hike. We’ve only been twice.

Wine appears to be the best bargain, and I guess we should expect that since we’re in the largest wine-producing region in France. We’ve found excellent local wines for $12 or less — even less than $10.

Dining out seems to cost roughly the same here in Montpellier as it does in Chicago’s western suburbs. I think we’ve been spending slightly less for dinner but more for lunch. For example, after church Sunday we stopped at a restaurant on the Place du Marché aux Fleurs (Flower Market Square) that features burgers and ratatouille. I had a burger with a nice German beer and Leslie had salmon with rice and ratatouille and a glass of rosé — total of $47.05. Their basic burger was over $15. A few weeks ago we tried an Argentine restaurant that features empanadas. (I was looking forward to this because I used to enjoy empanadas from a food truck in the Loop.) We each had two empanadas. Granted, we had dessert and enjoyed two glasses of malbec each, but the total was $49.04.

Dinner, on the other hand, seems a bit more affordable. We cook at home most nights, though, so the sample size is small. We’ve been to three of the four places our host, Anne-Marie, recommended. On our first night in Montpellier, we went to Bistro d’Alco and enjoyed three-course meals that included some very fine foie gras as an appetizer. Can’t recall what the main courses were, but they both just blew us away. This is a highly rated farm-to-table restaurant with an ever-changing menu, and our total bill with wine was $79.18.

*Leslie admires the ceiling of the 13th-century building that houses a fine-dining restaurant. A bit on the pricey side, but the wine was fantastic!*

The second restaurant was L’Artichaut (The Artichoke), where we spent $84.22. This place has earned the Michelin Bib Gourmand award for good, simple cooking at prices under $46. Leslie had the three-course meal (including a chocolate dessert that we shared), while I enjoyed a very nice fish. And of course there was wine. (One of our favorite quotes: “A meal without wine is — breakfast.”) I remember spending more on dinner for two at some of our favorite “special occasion” places in Westmont, Naperville and Oak Brook. So dinner can be a bit of a bargain, in my opinion — lunch, not so much. We did one fine dining experience at Restaurant 1789 in a 13th century building with Gothic ceilings. Pricey, but with amazing food and outstanding service.

I’m getting hungry now, so let’s move on to real estate, starting with the rental market. Based on what I’ve seen online and in handouts from some of the immobiliers (real estate agencies) in our area, the market seems geared toward university students and young singles. You can rent a studio for less than $600 per month (real estate amounts in USD too). You’ll pay more if you want an actual bedroom. For example, a one-bedroom on the city’s north side is $719, and one in the Beaux Arts neighborhood, closer to the historic center, is $812. Both are unfurnished.

That would not be adequate for Leslie and me. We need a two-bedroom because we hope some of you are going to come for a visit — wherever we eventually land. At the very least, we need a place for Stephanie when she comes. I went on one website that listed hundreds of rental properties. When I clicked on the filter for two bedrooms, I got back six. And four of those were unfurnished. Another site, though, offered a two-bedroom with a private garden in the Arceaux neighborhood for $1,350.

Sale prices, as usual, depend on location. One agency had a flyer that listed a two-bedroom apartment with a terrace and parking near the newer suburb of Port Marianne for just $180,646. On the high end, there’s an air-conditioned three-bedroom apartment in Place de la Comédie for $503,479. Great location, but it would be noisy. The place is the largest pedestrian square in Europe! I saw lower sale prices in outlying communities, such as Palavas-les-Flots, and Pezenas.

*We saw lots of new construction outside the city center. Montpellier is still the fastest growing city in France.*

Being in the historic center is nice, but Leslie says that if we were to live here long-term she would want something more modern. Recently we took the Montpellier City Tour, a red bus that goes through some of the newer parts of this town. Modern can be found easily in places like Port Marianne and Odysseum, suburbs built in the 1990s while Montpellier was growing from the 28th largest city in France to its seventh largest. And there’s building underway. Looks like the state bird here is the construction crane. Live in one of these areas and you’re just a quick, inexpensive tram ride into the historic center and the main train station. Closer to the historic district is the Antigone neighborhood, which Leslie says she likes because of the classical Greek architecture. Different from the historic center, but with the same walkability — shops and restaurants everywhere.

That’s all on the dollars and cents angle. In the next post — our last from Montpellier — I’ll explain whether or not Leslie and I would consider living in this little corner of the south of France.

Bonne journée!

A better look at the Gothic ceiling in 1789, a Michelin-rated restaurant next door to our apartment. Somebody worked all day on that ceiling — 500 years before the French Revolution, which was in…right, 1789.

Costa Rica, Living overseas, Retirement, Travel

So what’s the cost of living in Costa Rica?

As we get ready to leave the land of pura vida, it’s time to talk dinero. If we choose to retire to Costa Rica, what would our cost of living be? It’s a key issue for us and always an inexact science.

Costa Rica’s currency is the colon. The current exchange rate is 566.795 colones to one U.S. dollar. So when you see something priced at 3,000 colones, that’s just a shade over five bucks. The guy at the airport car rental place called it “Monopoly money.”

Simply put, Costa Rica is not cheap. Eating out in restaurants, for example, costs us only slightly less than what we might pay in the U.S., and in some cases about the same. Last night we had steak and barbecued ribs at one of this town’s nicest spots, and it was slightly over $80 including wine and dessert. But last week we visited an excellent Thai/Balinese restaurant a short walk from our condo. Leslie had pad thai and I had Balinese beef stew. With lovely chicken spring rolls and two glasses of wine, we paid 27,400 colones — $48.34.

*Pineapples at the farmers market. Very sweet!*

But we have most meals at home, buying groceries and cooking. As in Mexico, the food bargains are at Jacó’s Friday morning farmers market, where roughly $30 USD buys us a bag full of amazing fruits and vegetables. We bought a pineapple that was probably the best I’ve ever tasted. Great tomatoes, zucchini, watermelon, green beans and avocados. Most of the produce is local, but some comes from other Latin American countries, such as the apples from Chile.

*Stalls at the Friday farmers market. Not a big market, but some very nice produce.*

We’ve shopped mainly at two grocery stores, and remember this is only for Jacó. We haven’t bought food anywhere else and prices might be different in other areas. Maxi Pali is a Costa Rican chain owned, I’m told, by Wal-Mart. It’s just down the street from our condo, and prices are lower than some of the other local stores. Here’s a sample:

fresh orange juice, 64 oz., $6.26.
15 large eggs, $2.81.
local chorizo, three links, $1.50.
mayo, 14.1 oz., $1.98.
oatmeal, 42 oz., $2.21.
white onions, 20.8 oz., $1.41.

The more Americanized option is called Auto Mercado. It’s about a five-minute drive down the main highway in the Plaza Herradura shopping center. Prices are a little higher, but we can find things like gluten-free bread and pasta, and their wine selection seems to be the best. We got one of our U.S. favorites, Apothic Red, but it was $17.81 a bottle and we usually pay $7. Of course here, it’s imported! Here’s some of what we bought:

six limes, $2.50.
Costa Rican coffee, 12 oz., $7.59.
Ritz crackers, 9.14 oz., $2.71.
seedless red grapes, 28.7 oz., $8.75.
gluten-free pasta, 8.8 oz., $1.42
head of Boston lettuce, $.97.

We’ve gotten some meats at these stores, but we’ve also gotten great cuts at a lower price from El Rodeo, a carneceria just off the main street through town that was recommended by our new friend Lisa. She also guided us to a relatively new pescedaria where we got a little over 2.2 pounds of fresh mahi-mahi for just under $9. I think we made three meals off that fish.

Not a great picture, but this is Jaco Bay Premium Towers where we’ve lived the past month. You could score a 2/2 here for under $300,000, but it’s pretty crowded on weekends. Yes, that’s a paraglider between the towers.

Moving on to real estate (all prices in USD), and I’ve tried to find properties in all three areas featured in this blog. I did not look in San Jose, although the San Jose neighborhood of Escazu (ess-kah-ZU) and the suburb of Alajuela (allah-WAY-la) are prime for North Americans to buy or rent. And please remember, we haven’t actually looked at any of these properties — I’ve just done a lot of research, either on the internet or by checking listings posted in real estate company windows.

Jacó is a beach town that’s known for surfing and partying. A 2/2 at one end of the beach with amazing ocean views is listed for $389,000. Pretty good for ocean view. Don’t need a view of the Pacific? Here’s a nice 2/2 condo with a short walk to the beach for only $227,000. On the high end, a stand-alone villa for $1.2 million. Rentals are available, but it appears the focus is on short-term vacation rentals. I did find a 2/2 in central Jaco for $1,000 a month, but it’s not close to the beach. Right on the beach, in nearby Playa Hermosa, there’s a 2/1 for $2,000 a month.

Atenas isn’t near a beach, but the mountain views from this Central Valley village can be stunning. Here’s a 2/2 with two 1/1 casitas on the property for $699,999. And there’s a more moderately-priced option, a 3/2 in Grecia for $178,500. As for long-term rentals, I found a couple of nice 2/1 properties just outside Atenas running from $1,200 to $1,400 a month.

Prices are lower in the area around Lake Arenal. You can even get amazing views for a bargain price. Like this new 3/2 in a gated community with lake views for only $169,000. If you’re on a tight budget and you don’t need to see the lake, there’s this 2/1 renovated house in the village for just $89,000, and you can walk to many stores and restaurants. I had to work hard to find a high-dollar property but here it is, just reduced to $995,000. It’s a 3/3.5 with a garden shower and an infinity pool with waterfalls! Area rental prices are low, too, running around $500 a month. I found a 3/3 with volcano and lake views for $800 a month on a six-month lease. From a price standpoint, Arenal wins.

So does that mean we’re moving to Costa Rica? The answer is in the next post!

Pura Vida!

*Good stuff at the Jaco farmers market. And this photo was taken late in the morning, so everything had been picked over. Still some nice produce.*

Europe, Living overseas, Mexico, Retirement, San Diego, Travel

New year, new plan

Happy New Year, everybody! May this be a great one for all of you. Leslie and I have been sharing a bad cold since right before Christmas, so we’ve been staying pretty close to home and doing very little of interest. Nothing to post about. We both feel much better now but we still have lingering coughs that sound worse than they are.

A new year brings new plans. We will be here in San Diego until the end of January (longest we’ve been anywhere since this project began). Unless our circumstances change significantly, San Diego is not on our list of possible retirement locations.

The cost of living is stunningly high here. For example, there is a one-bedroom, one-bath condo for sale on the first floor of the building we live in right now. It’s 717 square feet and is listed at $398,000. A two-bedroom, which is what we would need, is closer to $500,000+ in the downtown area. In nearby towns like La Mesa, one of our favorites, you can find two-bedroom places under $500K, but they’re generally quite small. And rents are high throughout the area. I’m not going into detail about real estate because everything depends on location. Prices are affordable if you don’t mind owning a double-wide in El Cajon. Want to see water from your house? Now you’re looking at seven figures.

Groceries cost a lot more here in Southern California. Ralphs is the biggest and best grocery store in the downtown area, and it’s an easy 10-block walk from our condo. (An aside here for my editor colleague John: It’s Ralphs, not Ralph’s. No apostrophe — checked their website to be sure.) The best thing about Ralphs is getting 30 percent off all wine (mix and match) if you buy a minimum of six bottles! That’s a great deal. These prices, though, not so much:

gluten-free penne pasta, $2.79.
Classico pasta sauce, $2.99.
zucchini, 1.29 lbs., $1.92.
grape tomatoes, $3.99.
Silk almond milk, 1/2 gal., $3.49.

Across the street from us is Grocery Outlet Bargain Market, a discount food store. Prices are lower and the walk is less than a block, but they don’t carry the range of stuff Ralphs or Whole Foods does:

5 limes, $1.00.
zucchini, 1.29 lbs., $1.02.
Quaker oats, 42 oz., $3.29.
Ritz crackers, $1.99.
pineapple, $1.99.

When we have a rental car, we go up to the hip Hillcrest neighborhood to Whole Foods. There are some things we can only get at Whole Paycheck, like our favorite Intelligensia House Blend coffee, which sets us back $13.99 for 12 ounces. It’s worth it. Some other stuff:

guacamole, .85 lb., $7.64.
romaine lettuce, $1.99.
coconut milk coffee creamer, $4.49
low-sodium bacon, $5.49.

*People-watching is great at the year-round Little Italy farmers market.*

Then there are the Little Italy (Saturday morning) and North Park (Thursday afternoon) farmer’s markets. I have no idea what we spend there, but it’s dramatically more than at the tianguis in Ajijic, or the mercado in Mérida. For example, you may recall me bragging about getting 13 limes at the Santiago mercado in Mérida for about 75 cents. At the Little Italy market, one vendor was selling limes at three for a dollar. Sometimes, though, you get what you pay for, like free-range eggs from Three Sons Farm in Ramona, Calif. — expensive at $7 a dozen, but by far the best eggs I’ve ever had.

I looked back at cost-of-living posts from Mexico, and you should feel free to do the same if you like. The Orowheat whole wheat bread I enjoy, for example, is $3.49 at Ralphs. We paid $2.30 for the same loaf at Wal-Mart in Ajijic, Mexico. At Ralphs, a dozen large eggs is just a penny shy of four bucks. In Ajijic, less than two dollars.

Mexico still seems to be in the lead in our home search, and cost of living is a big factor. But we’re giving Europe — France and maybe Italy — another chance in the spring. More on that when plans firm up.

Finally, some sad news. We had to say goodbye to our cat Sam last week. He was only 10 and suffered from episodes of poor health about once a year since he was a kitten. Dr. Berg, the best vet in the world, would give him a B12 shot and some other treatment and he would bounce back as if nothing had happened. She did that several times while we still lived in Westmont.

This time, after more than a year of excellent health, he didn’t respond to treatment as he had in the past. He stopped eating and his kidneys and liver were shutting down, so we consulted with Dr. Berg and with our dear friend Barbara, who was caring for Sam in our absence, and made the tough call to end his suffering. We deeply appreciate Barbara, who did all she could for him. She and Sam had bonded, and we know she feels the loss as we do. We bring these little creatures into our homes and into our lives knowing their life spans are shorter than ours, but it’s still hard to handle.

2018 started on a sad note as Leslie learned that her second cousin, Helen Thoman, died in New Jersey at the age of 99. She was a grand lady, and a lot of family history may have been lost with her death, especially information about Leslie’s Hungarian relatives.

And we were shocked just after Christmas to learn of the unexpected death of our former neighbor Dan Smith. Dan and Zdenka were the best neighbors we ever had. I remember Dan shoveling his own driveway, then shoveling ours, then shoveling Monica’s driveway across the street, after her husband Ed died. Dan was one of those really big men who was never without a smile. Except, maybe, when the Chicago Blackhawks lost a hockey game! He was truly a gentleman, and a gentle man. Z, you and Christopher are in our prayers.

We miss you, Dan. So glad we had this dinner together last summer.

Retirement, San Diego, Travel

Fires, househunting and Christmas

tree-2022 — *Stephanie’s Christmas tree, overlooking the corner of 9th and Island.*

Once again I’ve taken a long time to put up a new post. But I’ve got a lot of very good excuses for my procrastination! We continue to look at possible retirement locations, but we’ve been doing some Christmas shopping too.

First I should tell you that Leslie and I are not in any danger from the wildfires ravaging Southern California. Most of the fires have been north of Los Angeles in Ventura County. The biggest and baddest of them, the Thomas Fire (they name fires like hurricanes here in California), is one of the worst in the state’s history.

The Lilac Fire (now fully contained) was the only one in San Diego County. It hit the North County area pretty hard. You may have seen national news reports about a number of thoroughbred horses being killed when this fire swept over a stable complex. Heroic efforts by horse owners saved many horses. Two people trying to save them were seriously injured, but it looks like they will both recover. Fortunately, the Lilac Fire never came near downtown San Diego. We didn’t see or smell smoke at any time, and we didn’t venture north while the fire was at its worst. We saw the effect of the Santa Ana winds, though. Nasty stuff. And humidities were below 20 percent most of last week.

Leslie and I have visited a few more places we could consider living, provided we’re forced into Plan B for whatever reason. Escondido is in North County (that’s what they call the northern part of San Diego County). It’s an inland town of about 150,000 that has a few 55-plus communities. Nice town, roughly 30 to 45 minutes from downtown San Diego. We also spent some time looking around Solana Beach, an upscale community right on the Pacific Ocean. Both are places we could definitely afford to live. We just wouldn’t be able to buy food or clothing or anything else for that matter!

That’s the big drawback to Plan B. Rentals can be $3,000 to $4,000 a month, or higher, for a two-bedroom apartment. Buying a condo means shelling out upwards of $500,000 in the downtown area for a two-bedroom — more if you want a view or an upper floor in a high-rise. And it’s not much better in the outlying areas where we’ve been looking.

north park-2026 — *The North Park neighborhood, an older area just north of Balboa Park. Costs are a bit lower here than in downtown, and it’s a neat area. A possibility.*

There is a way for us to pay for housing here, but it involves dipping into investments way earlier than planned. That raises the specter of outliving our money, which is not something we even want to think about.The other downside, especially to apartment rentals, is that everything is so small. We’ve seen two-bedroom apartments in North County that are about 850 square feet. The bedrooms are too small for our king-size bed.

Gotta go to the upside, though. On Tuesday I met with some guys at St. Paul’s United Methodist Church. It was noon, and we were sitting outside. I admit, I wore a long-sleeved shirt. But my new friends Tom and Lee were both wearing shorts! Looking for “normal” temperatures in the low 60s F. for Christmas Day.

And so it goes.

That’s all for now. Merry Christmas to all our family and friends, and Happy Hanukkah to our Jewish friends. Happy New Year to all!

Low cost of living is a big plus for Ajijic

Monday, Oct. 16, was Leslie’s birthday. We celebrated at one of the top-rated restaurants in town — Ajijic Tango. Varied menu, but the Argentine steaks are stars of the show. We had the filet mignon for two — 26 ounces of mesquite-grilled beef, medium rare. We each had half a baked potato and a glass of red wine. We finished off by having two cups of descafeinado (decaf coffee) and splitting a piece of flourless chocolate cake. Total bill with tip was 664 pesos — $35 USD!

Lest you think we made pigs of ourselves with that huge chunk of beef, we did a para llevar (doggy bag) on at least half of it. We had steak on our salads at lunch the next day, and steak-and-eggs for breakfast another morning.

steak-1892 — *It tasted as good as it looks!*

That’s just one indicator of the Lakeside cost of living. Eating out is so inexpensive we often pay cash, especially at lunch.

I got a haircut a few weeks ago. I recall paying 200 pesos in Playa del Carmen. At Joe’s Barber Shop, just down the street, the haircut was only 80 pesos. With a tip, I paid a little over $5 USD. Leslie found a good place for a pedicure, which was only 160 pesos. That’s less than $9 USD. She’s gone back twice for other things.

Groceries, as usual, come from several different places — just like back in the U.S. One favorite spot is Super Lake, known for having lots of items popular with Americans and Canadians but with prices a bit higher than other stores. They have the best selection of gluten-free items. From our receipts, prices in USD:

Silk almond milk, 947 ml, $2.23.
Orowheat bread, $2.30.
President unsalted butter, 200g, $2.99.
Schar gluten-free bread, $5.47.
Filippo Berrio olive oil, 750ml, $6.79.
Pasta, gluten-free, 1 lb., $6.55.
One dozen brown eggs, $1.83.

Closer to home is Supermercado El Torito. We were told, “That’s where the Mexicans shop. The gringos shop at Super Lake.” One reason the locals shop at El Torito: lower prices, especially on meats. The grocery selection is not as good as Super Lake or Wal-Mart, but we saw a number of gringos shopping there. We got 1.82 pounds of ground beef at El Torito for $5.25, and two pounds of chicken breasts was about the same.

Tony’s is the best carneceria in our area. For example:

About a pound of ground beef, $2.78.
Nearly two pounds of chicken breasts, $4.26.
Just over a pound of smoked bacon, $3.50
A one-pound pork tenderloin, $2.35.

All our fruits and vegetables come from the Wednesday morning tianguis, where the real savings is. You’ll see lots of locals as well as ex-pats.

*These folks always have fresh produce.*

We have no idea what individual items cost at our favorite vendor. We put everything into a round plastic bin, they weigh everything individually and we pay the total price. Last week it was 180 pesos, roughly $10 USD, and we got:

Eight carrots.
One head green-leaf lettuce.
Four medium tomatoes.
One bunch cilantro.
Three white potatoes.
Two sweet potatoes.
One medium red onion.
Two small heads broccoli.
One poblano pepper.
One-half pound (approx.) green beans.
Five large portabella mushrooms.

At a different vendor, we got eight pints of fresh locally grown blackberries, raspberries and strawberries for 170 pesos, or $8.95. And to make my special pico de gallo, I got three medium jalapeños for 5 pesos, roughly 25 cents.

Shopping at the local markets saves money, as you can see. But it’s also a social event. We’re starting to see people we know at both the Tuesday morning organic market and the Wednesday morning tianguis. The organic market is great for home-made hummus, specialty chorizos, nuts, free-range eggs and chicken, and prepared foods such as tamales and tortilla español. It’s a little more expensive than the tianguis.

Unlike the tianguis, the Tuesday morning organic market is inside a large “eventos,” a hall where people often have large parties. Lots of great stuff here.

Let’s leave food now, I’m getting hungry while typing. The other big expenditure, no matter where you live, is housing. This area, like most we’ve encountered in our travels, has a wide range of available housing for sale and for rent. You can easily buy a nice home here for under $200,000 (all prices are USD), but if you want to be up the hill and have a lake view, that will cost closer to $350,000. Rentals range from less than $500 a month to well over $2,000. The good news for us is that there are rentals with views of the lake that fit our budget.

And unlike other places we’ve lived, Leslie and I have seen a number of homes here. Some on the market and some owned by new friends who’ve been showing us around. Most of the real estate companies have a free home tour once a week. We went on an Ajijic Real Estate tour of five homes. Two were in Racquet Club, a gated community in the San Juan Cosalá neighborhood. They were $269,000 and $349,000. The lower level of the more expensive one could be closed off and rented as a casita, so there was income potential. We also saw a nice 2/2 slightly closer to Ajijic for just $187,000, but the view was not as good.

On our way home from the tianguis one Wednesday, Leslie and I spotted an “open house” sign, so we wandered in. It was a new 3/2.5 in a gated compound. Dwight, the agent on duty, said the price had been reduced to $249,000. It was nice, but the only lake view was from the mirador on the third level. Many Lakeside homes have this feature. It’s usually a small area above the roof where the view is good and you can enjoy a glass of wine and watch the sunset. But in this condo, the mirador was a huge terrace complete with wet bar. You could have a party for 100 people easily!

Prices tend to be lower in the town of Chapala and other surrounding communities, but we prefer Ajijic. Here’s a sampling of what’s on the market right now, all in Ajijic:

A 2/2.5 in West Ajijic with lake and mountain views from the mirador. $117,500.
A 2/2 with casita (which makes it a 3/3, technically) in Upper Ajijic (north of the carretera, where homes are generally newer. Big yard and view of Lake Chapala. $212,000.
A 4/4 in tony Raquet Club on a double lot with a private pool, mirador and casita. $639,000.
And for the high rollers, there’s this one in Upper Chula Vista. Stunning, and only $850,000. Unfortunately, it just sold.

If Leslie and I were to choose this area, we would definitely rent for at least a year, and if that works out we would most likely try to find a place with a three- to five-year lease option. The rental market is good right now, but lots of gringos are coming to Lakeside, so prices may go up.

Rents vary by area and whether or not there’s a lake view. We know someone who’s renting a 2/2 just off the main road in San Antonio Tlayacapan for $350/mo. It’s small and not in a subdivision, but it has a gated carport and a nice mirador. You can also find luxury properties on the hillside that rent for $2,500/mo. or more. Other possibilities include:

A 3/2.5 in Upper Ajijic (north of the main road) with a small view of the lake. $700/mo.
A 3/2 in San Antonio Tlayacapan close to Wal-Mart and other shopping, but no views. $950/mo.
A 2/2 with study in Los Sabinos. No lake view but great outdoor space. Taxes, HOA fees, utilities and gardener included. $1,500/mo.
A 2/2 in Puerta Arroyo with lake and mountain views, a nice lawn, great patio, and a jacuzzi. $1,750/mo.

All that stacks up well with the other Mexican cities we’ve lived in, and in some ways Lake Chapala costs are slightly lower. Of course, it’s all less expensive than living in Chicago’s western suburbs.

Last post from Mexico coming up soon!

Hasta luego!

*It’s best to get to the tianguis early. I took this a little after noon, and the crowds have already thinned out.*

food, Living overseas, Mexico, Retirement, Travel

How does Puerta Vallarta stack up?

Before the main event (and because there are not a lot of pics this time), here’s a photo I thought I had posted before but realize now that I never put it up for all to see. John and Anne Mixen came to Puerto Vallarta for a well-deserved vacation just a few days after we arrived here on March 1.

Amigos-1445 — *We met John and Anne for drinks and watched an amazing sunset.*

After a number of emails and texts, we met our old Naperville friends for drinks at the Lighthouse and dinner at Victor’s in the marina, followed by great conversation on the patio of our temporary home. It was great to see them again and catch up.

Now let’s talk pesos and dollars. Any consideration of where to live in retirement includes the cost of living. That’s a big factor in our decision, along with climate and a few other things. So let’s take a look at what it costs to live here in Puerto Vallarta.

We shop for food in several places, just like we did back in the States. The two major Mexican supermarkets are Soriana and Comercial Mexicana. Here’s a taste of what it costs to shop in an American-style supermercado (all numbers have been converted to U.S. measurement, and prices are in dollars at today’s exchange rate):

Lavazza coffee, 12 oz., $8.00
rice, 26.5 oz., $1.23
Colgate toothpaste, 4.6 oz., $2.04
oatmeal, 2.2 lbs, $1.07
gala apples, 23.8 oz., $.68
sliced deli ham, 17.6 oz., $5.39
olive oil, 25.4 oz., $5.28
gluten-free pasta, 12 oz., $2.61
loaf of 12-grain bread, $2.01
dozen eggs, $1.21

In San Miguel de Allende, and in Alicante, Spain, we shopped for fresh fruits and vegetabels at the mercado where the locals go. Puerto Vallarta is big city, so there isn’t one central market. We go to El Mercado Palmar de Aramara. It’s a neighborhood market, and we see lots of locals there. Here’s what we got this week:

pineapple (gold), $.69
carrots, 24.7 oz., $.48
red onion, $.59
raisins, 35.27 oz., $3.20
cauliflower, 35.27 oz., $1.09
white onions, 46.56 oz., $.45
cucumbers, 22.57 oz., $.93
Italian zucchini, 41.62 oz., $1.33
radishes, 35.27 oz., $.80

Obviously, we try to get fresh produce at the mercado whenever possible, but we have to take a bus or a taxi because it’s too far to walk. The bus is $15 pesos for both of us to ride. That’s less than a dollar US.

Mexican buses are not much to look at, but they get us where we need to go. There are no routes, as such. You just look at the front window as the bus approaches. If you want to go to Centro, for example, hop on this one! And do you see the speed bump? Mexico LOVES speed *bumps! They’re everywhere!*

Taking a taxi is usually about $70 or $80 pesos, which is less than five dollars US. Transportation is not a big expense here in PV, but if we lived here permanently we would definitely need a car.

We usually have breakfast and lunch at home, as well as the evening meal most nights. Dinner out is always fun because there are a lot of excellent restaurants in PV, especially in the marina. We found a great place in the marina for seafood, Las Palomas Doradas. On our first visit, Leslie had mahi-mahi Veracruz style and I had — OK, I don’t remember what I had, but we both had a glass of wine and the bill was $38.25 US. On our second visit, we both had shrimp dinners with wine and paid less than $50 US. Plus, since it was a repeat visit, we got dessert free. There’s also a great Argentine restaurant, Rincon de Buenos Aires, where we both had steak with red wine and paid $57.85 US.

Is there expensive food too? Yes, we’ve had lunch twice at a gourmet burger spot, where Leslie had a glass of wine and I tried some Mexican craft beers. That ran us about $30 US, but the burgers are really good! And we have reservations next weekend at Puerto Vallarta’s top-rated restaurant (according to Trip Advisor), Tintoque, where we will celebrate daughter Stephanie’s birthday! That will be more on a par with high-end restaurants in the Chicago area. I’ll let you know.

There seems to be a lot of property on the market at any given time, which you would expect in a place like PV. There are also a lot of real estate agents, including some expats who ~~prey on~~ serve other expats. So I checked a reputable place, Coldwell Banker. Just so you know, CB on Main Street in Downers Grove has the best real estate agent in the Chicago suburbs, Slav Polinski. Slav, you should come down here! Anyway, the CB office in Marina Vallarta has a range of properties. These are some of the condos available (single-family homes are generally a bit higher):

A 1,200-square-foot, two-bedroom, two-bath in the Marina Golf complex for just $175,000. Overlooks the marina and the mountains.
A 1,732-square-foot, two-bedroom, two-bath in the Porto Fino complex for $395,000. It’s beachfront, on the seventh floor near the elevator, with views of the Bay of Banderas.
And just for comparison, a 4,000-square-foot, two-bedroom, three-bath penthouse in luxurious Bay View Grand for a mere $1.1 million. Two terraces, bars inside and outside, and a private pool. Here’s the listing, in case you want to dream a bit.

The Romantic Zone is another popular area of Puerto Vallarta. It’s in the centro, the older part of PV, and you can find homes with a little more Mexican character here. Just looking at the Coldwell Banker website, there are two-bedroom condos from $155,000 US up to $1.2 million US. For $599,000, you buy a two-bedroom, two-bath overlooking Los Muertos Beach, and it’s a penthouse with amazing ocean and beach views, plus a BBQ grill.

And that’s just from one agency, and just looking at their website. There are many other options. (Google “Puerto Vallarta real estate” if you’re interested.) Real estate here in PV is all over the map, literally and figuratively. For vacation rentals, the same thing. There are nice properties for rent under $1,000 US a month, and there are some ocean-front penthouses that rent for that same price, but per week!

In general, we think prices might be a little better in San Miguel or some of the other places we’ve visited. But we’re not done yet! At the end of April we head for the next destination, Mérida, capital of the state of Yucatan. More on that later.

Let’s close with a look at that sunset we enjoyed with our friends back in March. This is a regular occurrence here on Mexico’s Pacific coast.

PV Sunset-1455 — *Sunset as seen from El Faro, The Lighthouse in Marina Vallarta. We have a pretty good view from the patio of our condo, too!*

Hasta luego!

Living overseas, Mexico, Travel

Muchos pesos, no muchos dolares

You may have heard that the exchange rate between U.S. dollars and Mexican pesos is great and getting better. That’s good for us, not so good for people here in Mexico.

money — *Mexican cash is colorful! The smallest bills are $20 pesos. The coin on the left is $10 pesos, on the right $2 and $5.*

When we lived in Westmont, we got a weekly “allowance” from our favorite ATM on Ogden Avenue. Here, I’m getting a little more and hitting the ATM more often, but that’s because we use cash more frequently. Many restaurants and shops don’t take plastic. Likewise, tickets for concerts, lectures and other events.

One of our reasons for living in another country is the cost of living, so let’s talk about that, starting with the cost of food. Here are a few items we bought several days ago at el Comer, known locally as “Mega.” All prices have been converted to USD:

Reynolds aluminum foil roll, $1.13.
Loaf of whole wheat bread, $1.96.
Jumex orange juice, 900ml, 69¢.
Lavazza coffee, 12 oz., $7.37.
Barilla penne pasta gluten-free, 12oz., $4.91.
Hellman’s mayo, 190g, 89¢.
Four gala apples, $2.21.
Olive oil, 250ml, $1.72.

But we buy most of our food at the Saturday organic market just down the street, or at the public mercado just north of the main plaza. We get great produce at low prices. They don’t give receipts and I can’t remember the exact prices, but less than Mega.

*Greens at the Saturday organic market.*

On our way home from the public mercado, we stop in to a carneceria, a butcher shop. We’ve gotten some excellent pork chops, ground beef and mild chorizo there. Better quality and lower prices than Mega.

Why even go to Mega, you ask? For coffee (we really like Lavazza brand, which we discovered in Malta), some paper products, a few other things we can’t get at the mercado.

Restaurant prices — again, there’s a range of prices. The anniversary dinner we enjoyed Monday night at one of SMA’s high-end places cost about what we would pay at our former haunts, such as Bakersfield, our favorite Westmont eatery, or Devon, the great seafood place in Oak Brook Terrace. Lunch today, on the other hand, was just $200 pesos with tip. That’s not even ten bucks for two people having lunch.

Other costs. Dry cleaning, we pay $45 pesos per item, or about $2.20 USD. Leslie got a mani/pedi a week ago and paid $300 with tip, less than $15 USD. I’m scheduled for a haircut tomorrow. They tell me it will be $250 pesos. Got some very nice Mexican wines a few days ago for just over $10 USD a bottle. Our buddy Ken Stevens would appreciate that!

Housing costs are all over the place, but for the most part they are fairly consistent with prices in the Chicago area. One local real estate agency is advertising a three-bedroom newly built home with high ceilings and a rooftop entertainment area. It’s just over 1,600 square feet and is listed for $139,000 USD, but it’s nowhere close to the Centro where you find most of the restaurants, bars, galleries and shops. Still a good price. Centro properties can be more than $1 million USD, but the same agency has a three-bedroom with over 3,000 square feet listed for $850,000 USD. Includes a two-car garage and a rooftop terrace.

Rental rates also vary, depending on location, of course. One agency’s website lists a two-bedroom in the El Encanto neighborhood for only $950 USD a month, but you definitely need a car to get anywhere. The same agency has a gorgeous 2/2 in San Antonio, within a 15- to 20-minute walk to Centro, for only $1,140 USD a month. It includes a garage and rooftop terrace. And nearly all rentals are fully furnished. Some sales are, too!

Two interesting things about real estate here. First, all the agencies list their prices in U.S. dollars, which should tell you who they’re marketing to. Second, there is apparently no multiple-list service like in the States. And we’ve heard the agencies do not cooperate with each other. Go to a local Coldwell Banker agency, for example, and they will only show you their own listings. That might be an issue for our friend, Slav Polinski of the CB office on Main Street in Downers Grove, the best real estate guy in the western suburbs!

One thing we have learned about living in San Miguel de Allende — and Mexico in general, I suppose — is that utility costs are pretty high, especially electricity. In some of the other places we will be living, especially Puerto Vallarta and Mérida, we are being asked to pay extra for the electricity we use.

That gives you an idea of what it costs to live here in San Miguel de Allende. If you have specific questions about what things cost here, just ask. We’ll let you know.

Hasta luego!