Friday, March 13, 2015

Guatemala as a tourism & snow bird destination

Lake Atitlán at dawn
In my years of working in specialty coffee I visited Guatemala more often than any other country - which makes sense, given that it produces a wider range of high-quality regional coffees than all of the other countries in Central America combined. 15+ years later, my trip this year was a chance to experience the country as a tourist rather than for work, for the first time. 

When I first visited in 1990, the civil war was still in full swing. Someone had been machine gunned on the front steps of the swank Camino Real hotel days before my arrival, and every visit to farms entailed riding in a Land Rover with a shot gun under the seat and other weapons in the hands of armed guards. Over a hundred local villagers had just been massacred in the village of Santiago Atitlán, producers of one of the certified organic coffees I'd been buying. The political realities of Guatemala (one of the original Banana Republics), and the U.S. role in undermining democracy and supporting murderous dictatorships there, was impossible to ignore. While still at Starbucks I began a lengthy correspondence with a professor of political science who'd devoted his life to telling the "back story" of life in Guatemala, and he shared with me a quote (I don't know the source) that has stayed with me ever since: 

"Beauty cloaks Guatemala the way that music hides screams."

25 years later the civil war is still a fairly fresh memory. The huge disparity between rich and poor and the oppression of the indigenous majority by a tiny ruling class are the same as ever, and the abundant supply of guns has shifted into private hands, with many in use by gangs involved in drug dealing, kidnapping, extortion and human trafficking. Guatemala continues to be one of the most dangerous and violent countries in the world, as this State Department report makes abundantly clear. 

Having lived in México for 3+ years my wife and I had adapted to living in places where rule of law is essentially non-existent, but there is of course a gradation in actual and perceived risk, from the relative safety of such gringo retirement havens as Lake Chapala or San Miguel de Allende, to the chilling atmosphere of Ciudad Juarez or the wilds of Michoacán. Guatemala City, even in the nicer and safer areas, feels more like the latter Mexican locales. 

As for the beauty of Guatemala, the fact that the country is awash in tourists despite high crime, poor infrastructure, expensive airfares to get there from any country and a strong local currency ought to tell you all you need to know. The natural beauty and cultural riches are off the charts. My wife and I, on the other hand, naturally see Guatemala through a México expat's lenses, and from that perspective it's hard to think of anything, culturally or culinarily, offered by the country that isn't offered by Oaxaca or Chiapas at 30-50% lower cost and with infinitely better food. 

We'd bought the most current guidebooks available for Guatemala prior to departure as well as consulting online resources such as expat forums and found all of the information on costs available to be way out of date. Not only has it been 6-8 years since these books were revised but the real surge in Guatemala tourism has occurred only since 2011 with a significant increase in prices due at least in part to many more European tourists (enough of a factor that almost all tourist-oriented restaurants charge 10% service automatically). 

For anyone contemplating a visit or (like us) thinking of Guatemala as a possible longer-term winter respite location, here are a few observations from our just-concluded trip:


Lodging: while hostelers can do just fine on $7-10 a night, costs for hotels and guest houses in Guatemala are 30-50% higher, apples-to-apples in terms of amenities, than in México. A $25 hotel room in Antigua or at Lake Atitlán is generally going to be like a $15 room in México, which is to say rock-hard bed, not particularly clean, with well-worn polyester sheets, lumpy pillows, marginal security, etc. We (too) often found ourselves spending $40 a night for still very basic but more livable accommodation. 

Anyone contemplating a longer stay (say for language study or volunteering) would clearly be better off renting a furnished apartment or the like, and we saw plenty of these on offer at prices comparable to what you'd pay in touristy areas of México. 

Transport: Guatemala doesn't have anything resembling the deluxe buses that make long-distance travel in México such a pleasure. Chicken buses are an interesting one-time cultural experience but that's it: they're dangerous, hot and crowded and your chances of being permanently separated from your luggage are quite high. Minivans holding up to 12 people are the best option between popular sites and are quite affordable. Once at your destination their are tuk tuks like the one below that can take you anywhere you need to go for a couple of dollars. 



Food: the staples in Guatemala are refried black beans, hand (never machine) made corn tortillas, queso fresco and an abudance of fresh fruits, squash and other vegetables. Indigenous stews such as pepian are worth a try as well, but (again) through a Mexican lens Guatemalan cuisine (like that of Nicaragua, Costa Rica and anywhere else in Central America) is about as bland and boring as small-town dining in the American Midwest - which probably goes a long ways towards explaining the endless choices of foreign cuisine in all of the tourist hot spots. 

While you can find a complete meal for $2-3 in local comedors, it's not likely to be a satisfying long-term choice unless you're truly prepared to "go native" in terms of adapting to local bacteria and getting used to the food-as-fuel reality of eating a dozen or more tortillas in lieu of more diverse but costly cuisine. $5-7 per person per meal is more realistic, and in any place offering international cuisine you should expect U.S. plus prices but with lower quality cooking and abysmally slow service. Don't expect to find anything remotely resembling the paradise of street food one gets used to in México: instead of glorious 75 cent tacos you'll see fried chicken and french fries, at KFC prices but with third world sanitation. 

We did stay at a few places with shared kitchen facilities and bought fruit and veggies at local markets, but here again learned in short order that the only way to avoid paying 2-3 times the actual local price is to shop at a supermarket, where there are fixed prices but of course much lower produce quality. This kind of price gouging for foreigners is certainly something we've experienced from time to time in México but never with the consistency we found in Antigua and at Lake Atitlán. I'd guess a retiree living in such places might eventually be offered the real price - or they could resort (as friends of ours in San Miguel de Allende once did) to having their maid do all of their food shopping!

Recreation: in Antigua there's a nice moderately hilly short walk to an overlook of the city called Cerro de la Cruz, plus some gyms, plenty of dance studios and some yoga classes. At the Lake it's easy to rent kayaks. Of course given the natural beauty and abundance of trails and dirt roads what one really wants to do is hike, but it's dangerous to do so given the rampant petty crime, and both the local and long-term expats we talked to advised either only going with guides or making sure to only carry items one was prepared to lose. This reality alone, in my view, is pretty much the kiss of death for Guatemala as a potential long-term stay or retirement destination. 

Medical care: there are plenty of doctors and dentists catering to wealthy visitors in Antigua but there as at the Lake any serious medical emergency is going to involve getting to Guatemala City (an hour from Antigua, 3.5-4.5 hours from the Lake). In short, it's no country for old (or infirm or handicapped) men. 

On a day-to-day basis, cobblestone streets, sidewalks with metal protruding from them and/or holes that can swallow an ankle and (in Antigua) air pollution from diesel-spewing buses, heavy and entirely unregulated traffic and ash (cineza) from Volcan Fuego are the main hazards.

Lake Atitlán (outside of the tourist trap village of Panajachel) is much less polluted, but Antigua though it only has a population of 50,000 has air quality that doesn't seem like any improvement on Guatemala City, a filthy and dangerous city of 4 million that most visitors do their best to avoid entirely except for the airport. 

I concluded my visit to Guatemala with a day of coffee cupping and conversation with one of the bright young lights of the trade, a wonderful young man who is improving quality and creating export markets for hundreds of small farmers. Tasting great coffees from Antigua, Lake Atitlán, Huehuetenango, Fraijanes, Cobán and up-and-coming regions I'd never heard of was a wonderful experience, and it made me realize that if I ever do return to Guatemala it will be for volunteer work in coffee. Other than that, it's a nice place to visit, but.....













Thursday, January 1, 2015

(mobile) Home Economics




"Chez Mobile" - our Cañon City abode
This past summer we moved into a late model (1999) two bedroom, 840 sq. ft. mobile home in Cañon City, Colorado. We've owned other mobiles, including one in pricey Boulder, Colorado that was the most comfortable, quiet and energy-efficient of all of the places we lived in our 2+ decades there. 

Our Boulder home was a real eye-opener for the two of us, as we like so many others were prejudiced against mobile homes to begin with, but felt forced into one due to financial constraints. The insulation and tight window and door seals in our mobile there translated into peak winter gas and electric bills under $100 combined, and our neighbors, much to our surprise and delight, turned out to be a mixture of Naropa and CU professors, savvy budget retirees, and Mexican immigrant families. 

We'd owned a conventional ranch house and a condo in Boulder and so were very familiar with typical operating and ownership costs, and were astonished at both how much more peaceful our mobile was and how much money owning it freed up for actual living. 

Boulder is also the epicenter of the cohousing movement in the U.S., and we've had friends who've lived in such places and visited several others. It's a concept and a lifestyle we find appealing, but as such places are nearly always new construction they are very expensive. Over time we've come to realize that manufactured home communities, especially some of the larger ones with more amenities, are, effectively, cohousing for the real (or at least other-than-upper class) world. Our friends and mentors Billy and Akaisha Kaderli offer a good overview of such communities here


View of the Arkansas River from Tunnel Drive in Cañon City


Cañon City is a town of 15,000 on the banks of the Arkansas river, about a 45 minute drive from Colorado Springs. It's a conservative place overall, but with a small, very visible and growing progressive community. Hiking and biking are fantastic, the climate
is the mildest in the state, and the cost of living is about as low as you'll find in any habitable place in the U.S. There are plenty of artists, good yoga teachers, a great deal of agriculture in and around town, a thriving farmer's market, and (important to us) lively Buddhist and Christian contemplative communities. 

Getting back to the economics, here are the basic numbers for our current mobile:

Purchase price: $16,000 (we got a bargain and it's easily worth 20K)
Annual taxes: $80
Monthly space rent: $245
Average combined monthly gas and electricity: $120
High-speed internet + phone: $50
Home and auto insurance (combined) : $60 per month 

We have a couple of excellent all-road bikes for workouts and getting around town on our errands, and our car is a 2006 Scion xA that gets 40 mpg on the highway - one of the (in)famous finance blogger Mr. Money Mustache's Top Ten Cars for Smart People

Prior to living in Cañon City we spent the better part of three years in México, and before that tried our luck in such low-cost domestic retirement havens as Silver City, New Mexico and Port Angeles, Washington, while also investigating numerous other options, including Tucson, Albuquerque, Bisbee, AZ and a few others. 

It would be difficult if not impossible to achieve the kind of rock-bottom low overhead I've detailed here in any of these places, due primarily to the much higher value of real estate as well as transportation costs. Mobile home space rent in, say, Tucson or Albuquerque, which are considered U.S. average cost cities, would run more like $450-550 per month. Our mobile home park is an easy 1 to 2 mile bike ride to the supermarket and the heart of downtown, with the Riverwalk off-road trail system and great road riding out our door; we could easily go for several days without getting in the car except during the worst weeks of winter. Contrast that with any of these other car-centric cities where we'd probably need - or at least often want - a car per person, and would be filling them both up with gas multiple times per month. 

We're certainly spending a bit more on food here than we did in México, but being a 45 minute drive from a Costco and Trader Joe's and having fabulous local organic produce from May-October at prices that are about a third of what they get up in Boulder go a long way towards keeping things in check. 

Our biggest concern, financially and in terms of quality of life, in returning to the U.S. from México was health care and insurance, and this remains the one area that lends a major asterisk to our hope to remain in Colorado for the long run. In México we had great catastrophic insurance for a few hundred dollars a year total for the both of us and happily paid out-of-pocket for routine doctor and dental visits at ~$20-25 a pop. Colorado is one of the better, more progressive states in terms of its embrace of ACA/Obamacare and Medicaid expansion, but all we are eligible for, due to our low income, is Medicaid, and that basically means hospital-only coverage with very poor access to doctors. Looking ahead, it's obvious with the Republicans in charge of both chambers of congress that attacks on ACA and Medicaid will continue, so we know that we'll have to continue to monitor things closely and continue to get dental work and other care done during periodic México trips, while also knowing that we need to be ready for a long-term return to life down there at any point, should the U.S. system continue to implode. 

That major "asterisk" aside, our overall cost-of-living in Cañon City is on par with, and probably a bit lower than, what we were spending living a car-less life on foot at Lake Chapala, where we paid an average of $600-700 a month in rent for modest-sized furnished dwellings. The other thing we really notice in the brief time since we've been back N.O.B. ("north of the border," in expat lingo) is that while inflation in food and energy costs as well as residency visa fees was a stark reality in México we seem to be seeing flat-to-declining costs in many areas here, with the current cost of gasoline (we just filled our 10 gallon tank for $20!) being perhaps the starkest recent example. 

Setting costs aside there's the most important issue of all, at least for us, and that's quality of life. In our experience it's really hard to equal the ease of making friends and depth and diversity of people one meets in such expat havens as Lake Chapala and San Miguel de Allende. A lot of this has to do with the fact that those who choose expatriate life are by definition much more curious about the world and adventurous than most. We've been exceptionally fortunate in having a community of friends based on deep common interests in sustainable living, organic agriculture, progressive politics, outdoor adventures and contemplative practices here in Cañon City, so that for us, the México and Colorado options are pretty much on par in terms of quality of life, but with the huge difference of easy access to wilderness, silence and solitude and proximity to aging parents and old friends here in the U.S. that make being here the right choice for us, for now.