Costa Rica

Child Sex Tourism



 President Óscar Arias Sánchez said Wednesday that Costa Rica is an international destination of sexual tourism with minors and the country also is a transit point for minors involved in the sex trade.

With his words, the Presidencia has come full circle from Miguel Ángel Rodríguez who in 2001 said there was no problem with sex with minors in the country.

Arias was signing a bill that the Asamblea Legislativa approved in the first two weeks of June that stiffen the penalties for sexual activity with minors.
http://www.amcostarica.com/060607.htm
Still Arias seems to suggest that the problem was one of prostitutes and foreigners who come here seeking, in the words of Arias, "jovencitas." He also said that Costa Ricans should not turn their head away from such activities, noting that mini-skirted young prostitutes with excessive makeup frequently can be seen on a street corner.

In a parallel report, Casa Presidencial said that police and the Patronato Nacional de la Infancia, the child protection agency, conducted 280 raids of nightspots, bars, houses of prostitution and others from 1999 to 2006.  They also fielded 65 complaints about child pornography and 21 complaints about production of child pornography.

But the report said that only 35 persons were convicted during this period. Some 10 cases still are pending, six persons were acquitted, and the suspects in the remainder of the cases were in flight or otherwise awaiting further proceedings.

Arias blamed what he called the complex social problem on poverty, inequalities, lack of opportunities, drug addiction, abandonment of school, citizen insecurity and the disintegration of the family.

Arias did not mention it, but the new law does penalize sexual activity with a minor by a relative or a person in a position of trust, like a guardian. This is the dominant circumstance of child sex abuse in Costa Rica.

The proposed law also says that the statute of limitations for sexual crimes against minors does not begin to run until the youngster turns 18. In addition, the proposed law increases from 12 to age 13 when more serious penalties can be applied for sexual crimes. The penalty is from 10 to 16 years for sexual intercourse involving someone under 13 or an incapacitated person or when violence is used for any age.

The penalty is from two to six years for an adult who has sexual intercourse with someone between 13 and 15 years even if the younger party consents.

The law also increases the minimum term by one year for corruption (four years) and aggravated corruption (five years), which is generally enticing a minor into paid sex.

The penalty for making pornographic material with a minor would be raised from three to eight years to five to 10 years.

A new section provides a prison term of three to five years for distributing pornography to someone 13 or younger. The current penalty is one to four years. For someone over 13 but younger than 18, the penalty would be from two to four years, instead of the current one to four years.

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Foreclosure Homes for Sale




Are you on a small budget, but you want to purchase a home? If you are on a small budget, and you want to get a home, to start living as a family in an area that you love, look towards homes that have recently been foreclosed. A foreclosure is one that someone else has lost. The homeowner may not have been able to keep up on their mortgage payments, and the bank has taken over the property. Banks and financial companies don't like to hold onto these properties for long, because of the interest, the payments and the money that is being lost over all.


To find a home that has been through foreclosure you can begin your search online or offline. Many links to foreclosure companies and banks are going to offer listings of where foreclosure homes have been located. A foreclosure company is going to offer great rates, and will offer great prices on homes that they want to sell.


While nothing can be done for those who have been through the foreclosure process, and for those who have lost their homes, you can take advantage of the situation. You can purchase home, at a reasonable cost, and create a home for your family.


To purchase a home that has been through foreclosure, the process is going to be very similar to that of any other mortgage. You will have to apply for a mortgage, you will have to pass the background check, and you will be subject to interest costs, and closing costs of the mortgage. A foreclosure home may require some additional legal background work, so you will need to hire an attorney to look out for your best interests.


A foreclosure home is one that has been abandoned because the previous owners could no longer pay for the home. You will find that many types, sizes, and styles of homes are often included on the foreclosure listings by banks. You will find one bedroom homes, two bedrooms homes, rental units, retail and commercial buildings and you will find luxury homes, vacation homes, even mansions included on foreclosure listings.


The home of your dreams could be very affordable if you take the time to look at the foreclosure listings. The foreclosure listings will give you an idea of the city and the state where the home is located, and from there you are often required to contact the bank, the financial company or perhaps a real estate agent as listed, to find out more about the property. The only limitations you will have in purchasing foreclosure homes is going to be your credit limit and where you want to live. Homes from across the nation, from Vegas, California, to Virginia, Florida and in Washington are available for purchase.





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First Time Home Buyer




When anyone buys their first home they are usually so excited that there are many things they forget to ask and look for. Do not be afraid to ask question before you buy anything. Asking questions is always a good thing, since you learn something new in most instances. You will find help with your questions at many of the real estate sites online.


The real estate sites will offer you quote tools, calculators and much more. You will find help centers at most real estate web sites also.


Go to different realtor sites online to get quotes and more. You might check in with a real estate agent, especially if you are first time homebuyer. A real estate agent is qualified to help you find low interest rates, low mortgage payments and so on.


Don't buy the first home you see just because it sounds good. You need to look around and talk it over with your loved one or a family member to get their opinion especially if they have bought a home before. Someone with a buyer's background can help you avoid getting in debt, or buying a home that may have potential problems in the future.


Planning for your new home: Once you buy your new home, you want to have a plan in mind. Do you plan to live there for a while and then sell to make money or are you planning to live there as your family home for a few years.


If you plan to buy and resell, then the size truly, needs to be satisfactory to your current family size. One, two or three bedrooms are probably what you would want. This would give you room to expand your family size some as well. In addition, three bedroom homes sell better than one or two, most people like three.


First, you need to decide if you want to buy a ready-to-move in home, or one that you can fix up. You can buy the fix-up homes cheaper, but keep in mind that you may pay a small fortune in repairs. Fix-up homes are nice if you are a handy man and can do it on your own at you one free time. Remember if you plan to live in it and fix it up at the same time look for things that have to be done right away, because you will need certain things before moving into it.


Take time to explore the real estate market when you are a first time homebuyer to reduce risks.





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Why Costa Rica Continues to Attract Investors




Costa Rica continues to be popular with overseas property investors due to 4 specific reasons that give it a huge edge over its rivals, for investment property or second homes.


Let's look at these reasons in more detail.


1. Capital growth potential


It's an established market yet ever increasing numbers of buyers mean that it still produces great gains with low risk.


Let's look at an example.


A property bought near the popular resort of Jaco just 15 years ago for $30,000, is worth almost $800,000 today and savvy investors are still making 30 - 100% capital gains per annum.


This stunning growth is still available because, popular resorts and infrastructure are expanding.


By buying near these new developments you can take advantage of price increases as the developments are completed.


Keep in mind, that beach front property is still available at up to 70% less than in the USA and Costa Rica is just a few hours by direct flight from the southern USA.


So its literally like moves states in terms of distance.


As with any overseas property investment location is the key and looking out for future property hot spots can yield big gains with low downside risk.


2. Affordable Living


You can live far cheaper in Costa Rica than in the USA and this is attracting an increasing number of "baby boomers" who want to make their retirement funds go further.


You can live comfortably on around $2,500 a month and this is highly attractive for people retiring on limited funds.


3. Lifestyle


Of course, affordable living is great, but you still want all the comforts you are used to and Costa Rica offers a lifestyle that is hard to beat at any price.


You get a great infrastructure, all the entertainment you could want as well as beautiful surroundings.


Costa Rica offers pristine beaches, crystal blue sea, stunning rain forest, volcanoes, mountains waterfalls and an abundance of wild life - making this a truly affordable slice of paradise.


Over 100,000 foreign investors have already come to Costa Rica and many more are coming.


This means that foreigners feel comfortable - they have all the comforts of home, a large community they are familiar with and finally, it all costs a lot less for a comfortable lifestyle.


4. Security and ease of purchase


Costa Rica property investment remains low risk as the country is:


Safe, serious crime is rare and the government encourages foreign investment which makes the buying process simple. For example, you get the same rights as residents and a property investment is very tax efficient.


There are a wide variety of specialist Realtors who will help you buy the Costa Rica property of your dreams.


Add it all up


Overseas property investment in Costa Rica Offers you not only a luxury lifestyle it also gives it to you at a cost you can afford.


It also gives you the potential to make big capital gains, which is an appealing combination for many people.


Costa Rica remains the number one destination for Americans and other foreign nationals due to the unique combination of benefits above and will continue to attract more and more investors.


Consider the benefits of overseas property investment in Costa Rica and you may be glad you did.





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Cops enlist more cuidacarros for better security



 The Fuerza Pública is accepting all the help it can get. Tuesday some 65 cuidacarros or car watchers received recognition after three weeks of training in Cartago.

This is the Programa Vigilantes Independientes that seeks to make persons in their daily activities the allies of the police.

The car watchers will be working in Antigua Metrópoli, San Rafael de Oreamuno and Paraíso, said the Fuerza Pública.

The 63 men and two women have received training on recovering valuables, human relations, and protection of the crime scene among others, said Jorge Solano, regional director in Cartago for the Fuerza Pública.

The ceremony Tuesday brings to 125 the persons who have received this training. They received a reflective vest, a cap and a wallet card that accredits them as assistants to the police. The program was supported by the Cámara de Comercio, Industria, Turismo y Servicios de Cartago.

Police have always had an uncertain relationship with cuidacarros. Some car watchers are themselves thieves and robbers. Nearly all make their money from voluntary contributions by motorists. Frequently the motorist finds that the parked vehicle has been ransacked but the cuidacarros knows nothing. This is one reason the police have embarked on programs to instill more professionalization.

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Costa Rica Vacation Rentals




When wanderlust grabs hold of your mind, spirit, and feet, making it difficult to concentrate on your daily chores and your usual routine, the best and only solution is to get out of town. If this is an especially strong case of the travel bug that you've contracted, it might be necessary to head not just away, but far away. Go somewhere exotic yet safe, unexpected yet enchanting, and capable of distracting you constantly with charms, comforts, and adventures alike.


Not too many places could meet all of these requirements, but at the top of this short list is a place to consider; Costa Rica. Venture down to this Central American hotspot for a trip that won't disappoint, and consider booking a vacation rental to fully squeeze every drop of excitement and relaxation from this distinctive getaway.


Costa Rica is a place that will provide the opportunity for various thrills to be achieved on the water or in the diverse and beautiful terrain, yet it will also present situations of calm, peace, and if you desire it, luxury. Rough adventures are there to be had should you choose to take an eco-tour of the rainforest, a surfing lesson on a world class beach, or head underground to explore the depths of a cave. After such excursions, however, you may find yourself craving a good meal, a soft bed, and in general, a space to rest and nest. The abundance of vacation properties in Costa Rica make experiencing the full holiday experience a sure thing, so take a closer look at going this route.


Rentals come in all shape and size, so no matter how big your traveling group, how long you want to stay, and what your preferences are, you'll find something that turns out to be a perfect fit. Perhaps you've heard about the Monteverde Cloud Forest Biological Reserve and want to check it out, or are interested in rafting down the Corobici River. There are also kayak tours of Lake Arenal and countless amazing beaches along either the Atlantic or Pacific coasts. While you may not have time to see and do it all, your vacation rental will provide a solid home base for your daily escapades. Venture off in any direction (within a two-three mile radius you'll find all of the above) and relish the fact that each night you can return home to the same place, which will become homier by the day and increasingly more difficult to leave behind.


That's right, the special details like hardwood floors and furnishings, granite countertops, a well-equipped kitchen and stunning views of the ocean will be welcome sights each time you glance around the place you were lucky enough to secure. The patio will become a popular spot for your group, as hanging out by the grill in a rainforest climate will never cease to confuse your senses in a funny, pleasant way. You'll be able to fix meals in the comfort of your villa if everyone feels like enjoying a low-key night before winding things down with drinks and conversation as you watch the stars come out.


Costa Rica isn't exactly a secret destination, so be prepared to encounter a number of tourist-filled areas. You'll probably find that it's worth it to follow the crowds to a few top attractions like Coco Beach and Barra Honda National Park, but if you seek peace and quiet as well, you'll truly be glad that you chose to rent a vacation casa. With this set-up, you can trek to the well-traveled spots and then return to your well-designed refuge. You'll also be able to see and do things that others will never know about as you explore the area surrounding your home away from home as well, so the spectrum of activities will stretch far and wide.


The constant tension between uncommon sights and the comforts of home will work together to make this a superior vacation, so go online to examine all the vacation property possibilities. While satisfying the urge to pack a suitcase and jet off to an exotic yet welcoming locale, it is also possible to do things a little differently than the average traveler.





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Hostels in Costa Rica




Many people think a hostel isn't for them if they're not 19, laden down with backpack, and scraping together their last forints/pounds/euros, etc. But would you consider a hostel for a romantic getaway, girls weekend, or family retreat? If not, consider the following points:


* Many Hostels Have Private Rooms: Sure, they're not the Ritz but they're usually clean and have a bathroom in the room or nearby. Plus, they're generally a fraction of what a similar hotel room in the same area would cost AND often include breakfast. Add in the bonus of internet access/lounge/activity planning that many hostels have and there's not much reason to dimiss a hostel.


*Hostels Are Usually Near The Action: Particularly in Europe, hostels don't do well if they're not convenient to transit connections and major sights. Trying to find a bed & breakfast or hotel that's reasonably priced in the same area is very difficult.


*A Great Way to Meet Travel Partners: In my 30's, I stayed in a hostel in Prague where I met the most delightful travel partner. We took in a pub crawl and a trip to the zoo. We still talk via email today and our paths would have never crossed if I had holed up in an expensive hotel room.


Sure, some hostels are better than others. The criteria that makes them great finds vary from person to person, but there are some standards to look for. See my related article, How To Pick The Best Hostel For You.


Happy Travels!





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Golf in Costa Rica




You can enjoy a good game of golf at one of the many Costa Rica gold courses. There are three golf courses in San Jose alone along with a country club that only allows members and their guests to access the course. The Parque Val de Sol is now a public golf course with green fees of $75, which includes a cart. While it is not hard to play gold in Costa Rica, it is not considered a sport - only a hobby.


The most natural Costa Rica golf course is the Cariari, and is considered the best golf course in Central America. It is a par 71 course with many wooded areas, narrow fairways and large greens with sand traps. The PGA Friendship Cup games were played on this course in 1979 and 1980. Another golf course that sees a lot of tee-offs is the Garra de León Golf Course, which is an ocean course. It surrounds a spectacular resort with beautiful vistas, sweeping fairways and large greens.


If you book a Costa Rica golf tour, you will get an opportunity to play on some of the best golf courses in the country. Many of these tours stay at the country club resorts or have access to them. All the fees for rental of clubs and carts are included in the price, so you won't have to worry about not having the right iron. Costa Rica is quickly becoming a destination for golfers all over the world. The ideal golfing vacation is not all golf because you can go on many sightseeing tours and take in fishing excursions as well as relax on one of the many pristine beaches.












For lots of information on Costa Rica and related topics, visit About Costa Rica Travel at http://www.aboutcostaricatravel.com








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Canopy Tour In Costa Rica




Last year we visited Costa Rica as a stop on an 8 day cruise. Among the many excursion available to us was a canopy tour. A canopy tour (aka zip-lining) involves sliding down steel cables from tree to tree to tree through the jungle. My wife had a sore shoulder so she did another tamer excursion. But my brother and his family we excited to do the canopy tour. To get to the canopy tour location, we took a long bus ride (over an hour). The roads in Costa Rica are in poor shape largely due to the weather conditions. But we made it safely to the canopy tour place.


We got off the bus, and got into line to get our equipment. They fitted us with harnesses like rock climbers wear. There was a big pulley hooked to the belt as well as straps with karabiners on the ends. We also got leather gloves and helmets.


Once we were all equipped, we were given some instruction on how to safely ride the zip-lines. They showed us how to slow ourselves, and what to do if we got stuck halfway between trees. Then we were led down a jungle road and trail to where the zip-line ride started. We climb some wooden stairs to the first platform. We were always tethered to something such as a stair railing, or a tree trunk.


The first platform was about 50 feet above the jungle floor. They attached the pulley connected to our harness to the zip-line. They released the tether and attached it to a second steel cable the paralleled the first cable. Then we slid down the cable to the second platform where there was a guy to catch us if we came in too fast or if we lost control.


The first zip-line was the shortest. I think that was so people wouldn't get so scared. Some of the lines were as long as maybe 500 feet. Those were pretty cool! There were a dozen lines to ride as we mad our way through the jungle. The final line took us down to the beach.


At the beach we removed our equipment, and left it in a pile. We followed a path that led us back to the canopy tour place where we were given fruit and some drinks. Then we got back on the bus to takes us on the hour plus bumpy ride back to the ship. If you are afraid of heights, you will probably not like a canopy tour! But I think most people will really enjoy themselves!




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Cheap Vacations in Costa Rica




Cheap vacations can still be relaxing, fun and whatever else you want them to be. Unlike cars and shoes, vacations don't get better according to price. Give up that expensive resort if you don't have the money, but don't give up your vacation. Try one of the following ideas instead.


1. Visit your friends. The key here is to have friends with spare beds that live in interesting places. You've probably had friends tell you to come and stay a while, so why not take them up on it? I'm hoping my friends move to Hawaii.


2. Caretaking vacations. Someone in California, Costa Rica or Colorado wants you to stay in their house while they're away. You'll have to water the plants, and maybe watch the cat, but you'll get to stay in a beautiful home. You may even get paid. To learn more caretaking opportunities, visit the Caretaker Gazette online.


3. Outdoor vacations. Outdoor adventure doesn't need to be expensive. Just stay close to home, and use your imagination. On "Tom Sawyer Day" we hike up a river for hours, then build a raft from dead trees. Then we float on it back to the car. It's cheaper and more fun than a guided river trip. Where can you hike or bicycle for free?


4. Treasure hunting. Take a trip to a ghost town or beach with a metal detector. In Arizona an old Mayan Indian showed us where to find arrowheads, semi-precious stones, and ancient pottery. Treasure hunting is cheap, and you might find something valuable as well.


5. Cheap beach combing vacations. What's more relaxing than sitting on the beach with a drink? Restless? Start collecting seashells and driftwood. Bring a metal detector to find more valuable things. There are beaches in Florida where you can camp in your RV, and cheap motels on or near the beaches in Michigan.


6. Stay home. Make a list of sights to see, and things you've always wanted to do that are within an hour of home. Spend a weekend or a week checking off your list. No expensive hotels or long-distance drives.


7. Shopping trips. Cheap vacations don't normally involve shopping, but they can. Visit flea markets and rummage sales in some scenic corner of the country. Have a shopping adventure for less than a day at the mall.


8. Hotspring vacations. Hotsprings in many parts of the United States are free or inexpensive to use. Camp in an R.V. or tent to keep it really cheap. Spend nights around the campfire and days soaking in hot water. My personal favorite is a beautiful place in Arizona (106 degree water), with hiking trails. We paid the $30 annual fee and stayed more than a week.


9. Greyhound bus travel. Taking the bus is an alternative to expensive gasoline if you're traveling alone, and the trip itself is sure to be an adventure. Pick a nice place within a day's ride, pack a bag and go.


10. Camping vacations. In Florida we stalked alligators and watched a dozen other forms of wildlife. Every night we sat around the fire with new friends from England and Texas. We escaped winter there for eight days in our van. There were hot showers, and the campground was free. Camping can be the cheapest of cheap vacations.





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Adventure Travel: It's Not Just For The Young




It used to be true that a vacation meant getting away from one's day-to-day surroundings for the promise of leisure and relaxation. While that's still true, today's travelers expect more from the promise.


For previous generations, leisure and relaxation often meant being idle. When the World War II generation wanted to get away, some could afford to be pampered, but most did not do much more than eat, drink, and be merry. It was a generation that was content to spend a weekend camping at a local lake, gamble in Las Vegas or Lake Tahoe, or take a cruise in the Caribbean. Leisure activity was to them, essentially, an unheard-of oxymoron.


Not so anymore. According to the American Association of Retired Persons (AARP), baby boomers have, in recent years, embraced greater willingness to travel, and have the resources to do it. But while that much is true, adventure has become a big part of their travel plans.


A recent AARP survey of 1,594 respondents ages 41 to 59 shows that about 55% of boomers consider themselves adventurous, and a whopping 77% feel they are more adventurous than their parents. The survey suggests that huge numbers of seniors are traveling, and that they want to participate in healthy activities when traveling. The baby boomer generation, unlike their parents, is not content to lie around on the beach or get their only exercise playing one-armed bandits.


You can bet that the travel industry is capitalizing on this trend. In fact, a recent relationship between AARP and Travelocity has resulted in Passport, a travel service site aimed at the baby boomer market. There are over 81 million people in the United States 50 or older, which equates to roughly 28% of the U.S. population. It's a segment that controls 67% of the nation's wealth, has more than 750 million dollars in discretionary income, and owns more than 28 trillion dollars in assets. Baby boomers also want to spend that hard-earned money wisely, knowing that self-gratification means eating well, drinking moderately, getting in a good hike or a few good ski runs, and earning a good night's sleep while away from home.


Boomers know how to use the Internet, too, with nearly 40% of them booking their travel on the worldwide web. And, like much of the younger generation, they are looking for ways to streamline their lives, favoring e-commerce sites that allow them to quickly and easily pay for their vacations instantly via credit card, without writing checks or hassling with follow-up phone calls to book tours.


While good diet and exercise is uppermost in the travel plans of baby boomers, they also want intellectual or cultural stimulation, many having identified community heritage, artisan crafts, local theatre, naturalist-led hikes, and wine education as motivations for booking vacations in a given region.


Today's mature travelers, then, are not content to while away their leisure hours idly. They want to learn, feel, see, and do. And they have the desire, tools, and discretionary income to do it.





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What to Look For When Buying Property Overseas




There are many different kinds of properties and many different places where you could be looking to purchase, but in every place there should be certain things in common. It is my goal here to provide you with some basic information that may help you to know what to look for (and what to check) before you buy a property overseas.


No duplicate title or claim on the property
Every country will have a different name for the organization which has information on who has legal title to the house/condo/ land about which you are inquiring. In the United States the county in which the property resides has information about the legal owner of that property. In Costa Rica, the Registro Nacional has all the information about who has legal title to a property. Each property is assigned a 'Folio Real' which is a unique number, and the current owner as well as the ownership history is recorded in the Registro Nacional every time there is movement on a property. If you are buying property in Costa Rica, you need to make sure that the person or enterprise selling you the property is actually the owner. You can verify this yourself with the Registro Nacional in San Jose, or you can use a reputable attorney to investigate the property. In either case, you or your attorney must check the Registro Nacional.


Water Issues
When buying property in Costa Rica you MUST make ABSOLUTELY SURE that water will not be an issue. This is especially true if you are interested in buying an undeveloped parcel of land. The community you are looking in will have what Costa Rican's call an asada… A&A. these are small, local groups which control water rights. You need to check with the A&A for your area to find out who is or will be supplying water to the property you are interested in. If you do not speak Spanish, contact a reputable attorney for this specific purpose. Do not simply take the seller's word for it that the property has water. They might be as honest as can be, but they could be mistaken, too. You must know for a fact that the property has water or where the water will come from.


The Development, House or Condominum complex has obeyed all the survey and engineering laws.
I have heard and seen cases where some developments were built encroaching on a public street or where a condo swimming pool was built on an adjacent lot not owned by the developer. You can easily make sure that the Condo you are buying has been signed off by the Colegio de Ingenieros, the architect and the ministerio de Salud before buying. If the developer cannot show you the signed off documents, then think twice before buying. Do not just assume everything is ok simply because the development is pretty or costs a lot of money.


Construction is of Good Quality
Make sure that you know how the building was built. This is important because there are many fly by night developers who buy cheap materials and skimp on things like rebar because it's costly. You need to ask what number of rebar they used and how much has been used. You need to know if the walls are concrete or drywall. You need to know if the structure is concrete or if its metal beam. You need to know if the development has a seismic foundation (in earthquake prone areas) or if it's built to hurricane standards (in a hurricane prone area). Check things like wall thickness between units, how many and where are the supporting beams. Do not just pay attention to pretty little details like paint or cabinet knobs. Those do not matter.


Access to Telephone and Internet
Unless you want to get away from it all and not have a phone or internet, it is important that the property you buy comes ready for phone service and internet service. A lot of times you will have trouble getting either service, most likely because the provider doesn't provide service in that area or simply because it's a government run monopoly that is grossly inefficient. However, your job is to make sure that the property is CAPABLE of receiving these two services.


If possible, buy a furnished unit or house
The reason I'm suggesting this is because in most countries outside the United States, your supply is limited to some degree. In Costa Rica, you have a good selection of nice furniture, but its not as easy as jumping in your car, driving 3 blocks to the nearest furniture store and finding exactly what you like at a reasonable price. In Costa Rica, you will have look, and that takes time and effort. Time and effort are in short supply if you come only for a few weeks to vacation and have fun. There are many fine furniture stores, but there's always something. The furniture is nearby, beautiful but way too expensive. Or the sofa you like is in San Jose, the table is in Sarchi, the beds are in Palmares and the rest of it is imported from Bali, but costs a lot of money. My advice is buy a home that is already furnished. If it isn't furnished, make arrangements with the seller to furnish it. You will spare yourself a LOT of heartache.





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Real Estate - The Secrets To Nothing Down




There are a lot of get-rich-quick and nothing down real estate programs on the market today. Programs costing hundreds of dollars and claiming to show you how to make it big in real estate using their "proven system"...


I have seen some of these programs and without naming specific names, my personal opinion is they are over priced, over rated and cost a lot of money to tell you what you probably already know. For those of you who don't understand the real estate game, I thought I would give you this free crash course on the "secrets of investing" and the "nothing down" angle.


This is a crash course because I believe most people can understand the concept quickly without spending hundreds of dollars. If you need more information on get-rich-quick real estate programs, check your local library for older get-rich-quick books, the concepts are basically the same yesterday, today and tomorrow. The new programs just have different authors and product covers…


PREMISE #1- DON'T WANTERS


The whole angle to finding deals in real estate is to find sellers who don't want their properties. A don't wanter is a high motivated seller who will sell their property cheap, far below market value, to get out from under the property. Now you may ask why someone would be a "don't wanter"… There are many reasons but chief among them is:


1. The Seller inherited an out-of-town property. They don't want to pay taxes on it, they don't want to insure it, they don't want to manage it, and they just want to dump it fast. They have no blood in the deal and want to be cashed out fast, even if the property sells for substantially less than it is worth.


2. The Seller has economic and/or tax problems. The seller has to dump the property quickly for whatever reason to come up with cash. This is a desperate seller who will be very flexible on price.


3. The seller has to relocate and needs to sell the home to buy the next property and time is of the essence. These types of sellers, while motivated are not as desperate as the first two mentioned but deals can be had.


PREMISE #2- NEGOTIATIONS


The perfect objective is to get the seller to either do a no-down payment or nearly no-down deal on a land contract. The other alternative is to have the seller carry the down payment back as a second mortgage, which you pay over time in conjunction with the first mortgage to the bank or lender. The key: No cash out of pocket. There are a number of seller motivations that can be considered in a real estate transaction as follows: (see my article on negotiations)


1. Do they want the full purchase price? Then, are down payments, interest rates, land contracts, second mortgages, etc negotiable?


2. If selling price is not critical, can you offer them a higher interest rate on a land contract or second mortgage for a reduction in price?


3. If the seller wants out of a deal for tax or income issues: Can you take over the payments and have the seller carry back a second mortgage for the balance of the spread between the selling price and the mortgage balance?


Every seller has one of three primary motives: they either want to be cashed-out, get an income stream, or a blend of both. Find out what the seller wants to achieve and work it.


You can always look at foreclosed property through sheriff sales in your area by calling your local government and asking about tax sales if that is of interests to you.


PREMISE #3-INCOME PRODUCING


The other and very important consideration to real estate investing is that whatever property you purchase should be income producing. The most solid revenue generating property is a rental. Whether a single family or multi family property, the key to building wealth is found in properties that generate an income stream. My personal opinion is to avoid single family units and not to rely on "flipping" to make money. A key starting property is a duplex (see my other articles for the discussion on duplexes and land contracts).


A single family residence in which you live is simply a money pit requiring you to pay the mortgage, the interest, the insurance and taxes. The only wealth from a "home" is found in appreciation. Single family units as rental units can go vacant for a long time and cost you money as well. With a multi family deal like a duplex or a fourplex, at least one unit will always be generating some cash flow. The average vacancy rates tend to be around 30% for commercial properties… or about a third of your units will always need tenants… that is a pretty safe guesstimation for safety.


There you go… the bottom line on investing and it only required a few minutes of your time and no money, right? If you found this article useful, I strongly suggest you click the quick view link below to check out all my real estate articles.


To your success!





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Costa Rica Vacations: Amazing Adventures amid Exotic Landscapes




For those looking for the ultimate adventure vacation whether it is by one's self or with one's family, look no further then the beautiful and exotic country of Costa Rica, with its golden sand beaches, active volcanoes, lush dense rain and cloud forests, and amazing vibrant seaside towns. With something for everyone, this tiny Central American country has today become one of the world's hottest tourist destinations, with plenty to do and much to see.


Offering fantastic adventure vacations for one and all, Costa Rica combines a laidback lifestyle with stunning natural beauty and a friendly local Tico population to provide a truly memorable and unforgettable holiday. With an impressive wealth of national parks, which cover more than a quarter of the country's land surface, Costa Rica provides adventure lover's with a thrilling stage; hosting everything from mountain biking to white water rafting, and jungle treks to canopy and rappeling tours of the verdant forests here. For those who enjoy the ocean in all its glory, Costa Rica has some of the best surf breaks and swells in the world, with incredible snorkeling and underwater diving opportunities as well.


For those who enjoy endless meandering trials set amidst some of the most lush and magnificent forests, Costa Rica has some incredible hiking and trekking possibilities. Visit the beautiful Manuel Antonio National Park or take a hike in the wonderful Parque Nacional Rincon de la Vieja to become truly one with nature. However, if you prefer you can visit the secluded and remote jungles of the Corcovado National Park, which is home to the last remaining coastal Pacific rainforest.


White water river rafting and kayaking opportunities are also abound in Costa Rica. Kayak out in the open ocean or raft down the roaring rapids of the Rio's Pacuare, Revenatzon and Naranjo for wild ride. But if surfing is your thing, then head on down to the fantastic beaches that Costa Rica has on offer. Visit the Salsa Brava, Ollie's Point, Witches Rock, Pavones or Playa Hermosa in Puntarenas for some of the most superb surf breaks in the world.


To explore some of Costa Rica's most gorgeous sceneries underwater, dive along the coast off Bahia Drake or Drake Bay or visit the lovely Isla del Caño, home to some of the most fabulous underwater and marine life in the country. Along the Guanacaste Coast of the Nicoya Peninsula excellent snorkeling opportunities can be found at Playas del Coco, Playa Ocotal and Playa Hermosa. And if all this is not enough, try rappeling down some of Costa Rica's beautiful waterfalls around the areas of Puerto Jimenez and Cabo Matapalo.


As you can see Costa Rica's versatility not only extends to its landscape, but its fantastic adventure opportunities as well. So come on down to this gorgeous tropical country to experience Pura Vida or the 'Pure Life' and have the adventure of a lifetime!



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A Fresh Look at Costa Rica for Retirement & Investment




For many years, Costa Rica has been touted as one of the top retirement havens in the world. With a stable democracy, growing economy government friendly to foreigners and tropical climate, as well as incredible natural beauty, it rightly earned the phrase, "the Switzerland of Latin America."


Is this still true today?
Is it as expensive as Switzerland?
Are retirees still coming here?
Should they still consider Costa Rica?


To many people, there appear to be less expensive retirement destinations such as Panama or Nicaragua. To others, Costa Rica has become too touristy. Still others believe Costa Rica is overrun with "gringos."


I want to debunk these notions, and others, and suggest that Costa Rica is still a terrific place to retire, or to start new life in if you are not yet retired, particularly if you choose your location and activities carefully.


Costa Rica is too expensive!


I have been living in Costa Rica for about two years but have been in and out the country frequently since 1989 and based my extensive travel throughout the country in conjunction with my "Boomers in Costa Rica Retirement Tours," I've found that there are still inexpensive areas in which to live, particularly if you stay away from the close-in suburbs of San Jose.


Take, for example, the wonderful city of San Ramon, an agricultural town of 70,000, situated on the northwest edge of the Central Valley. Home to three former presidents including "Don Pepe," who abolished the army in 1948 and set in motion the basis for today's robust democracy, San Ramon offers a peaceful environment in which to live yet it offers all of the services of a larger city including numerous supermarkets, a mall with a three-screen theater, numerous outstanding restaurants and warm, welcoming locals. It is also only 40 minutes to the international airport in Alajuela, one hour to San Jose and 40 minutes to the Pacific Coast.


San Ramon also offers a wide variety of lots for building one's retirement dream home, either in the mountains which the "Tico Times" calls "the Tuscany or Provence of Central America," or stunning ocean view properties in which one can see the Nicoya Peninsula, the Pacific Ocean and the bustling port city of Puntarenas.


Prices for land still remain low with some lots as inexpensive as $15,000 for a one-half acre lot, to $75,000 for an incredible ocean-view lot on 2.25 acres. With another $60,000 to $75,000, you can have an incredible ocean view lot and house, complete with all the services you need, for under $200,000. If you decide you don't want ocean views, you'll pay even less, perhaps around $100,000 for a nice lot and home.


Property taxes are very low, only .25% of the registered value of your home/land. I paid $66 in property taxes for an entire year! The local government office even asked me if I wanted to pay my taxes quarterly!


If renting is more your style, you can still find nice two-bedroom, modest homes for rent for under $200/month. Low housing costs combined with very low prices on food and utilities makes San Ramon an excellent bargain. The towns of Grecia, Sarchi, Atenas and Naranjo offer excellent value as well; you just need to know where to look or link up with an experienced and knowledgeable local or gringo to help you out.


I also eat inexpensively, perhaps a $1.50 for breakfast, $2.00 for lunch, and then I splurge for dinner, perhaps $4-$6, and this is if I go out to eat! Of course, if you visit some of this country's wonderful outdoor markets, you'll find the freshest meats, fruits and vegetables, and can cook for yourself and spend even less.


I need good and convenient medical care!


Some foreigners living in Costa Rica complain that the medical system here is overcrowded and it often takes hours to see a doctor. Yes, in some areas there are less doctors per capita than in the United States but this generally applies to people living in the San Jose area, and often times relates to people who have elected to get on the "CAJA" system, which is the most basic health insurance program, run by the government, to which most Ticos belong.


Once you leave the San Jose area, even if you are on the CAJA, the lines lessen and more often than not, you'll form a great relationship with an English-speaking doctor who is well-trained, and in some cases, will even make house calls. There are also other privately-run programs that allow you to see any doctor and even these programs are much less expensive than insurance programs in the states.


Costa Rica also has several outstanding hospitals that provide the same level and quality of service that you would find in the United States. CIMA Hospital San Jose, which is affiliated with Baylor Medical Center in Houston, is a brand new facility with all of the new technologies you would find in any top hospital in the United States. In fact, my doctor at CIMA has more advanced technology in his office than my doctor in New York City. Clinica Biblica, also near San Jose, is also another top hospital, with the same quality of service you would find at CIMA.


There are too many tourists!


Costa Rica certainly is a well-traveled tourist destination and sees over 1 million holiday makers a year. If you visit the beaches at Manuel Antonio, the rain forest of Monteverde or Arenal Volcano during the dry season, yes, you will see many North Americans and Europeans. However, living here, particularly in towns such as San Ramon or Grecia, you would hardly know it is the tourist season. These towns, and others, see few tourists and move at their own leisurely but consistent pace year round.


Actually, visiting tourist destinations during the off season is a significant benefit of living here, particularly given that prices are significantly less than during the high season.


Costa Rica does count among its residents some 40,000 North Americans, mostly from the United States. They come for a variety of reasons from wanting to leave their corporate careers for more meaningful work to just wanting to retire and enjoy a slower, relaxed pace of life that Costa Rica offers.


While these expatriates are scattered throughout Costa Rica, most of them live in the suburbs surrounding San Jose such as Escazu, Santa Ana and Cuidad Colon. Quite a few ex-pats live in beach communities up and down the Pacific Coast while a smaller number of people live on the Caribbean coast. However, many people are beginning to take note of the smaller towns in the Central Valley such as Grecia, Sarchi, Naranjo and San Ramon as well as even smaller pueblos surrounding these towns. These towns and pueblos offer a relaxed pace of life, reasonable property prices and an overall lower cost of living.


So, you can live in Costa Rica and not feel overrun by gringos or the high prices in other parts of the country. However, if you want to live among "your own kind," you can do that too!


Historically, Costa Rica was a country primarily attractive to retirees; those people in their late 50s or early 60s (and in some cases much older) who wanted a small house, and could live much less inexpensively than in North America or Europe. However, Costa Rica is also beginning to attract a fair number of baby boomers, particularly people not yet ready to retire.


Beyond living a quieter, simpler life, these people are certainly not done working yet. They may own businesses they can run from virtually anywhere. They may also be writers or artists. Still others are coming here to invest their time and money in new businesses. Many people have made the successful transition from a corporate career in the states to running a bed and breakfast, managing a surf shop, offering tours, investing in real estate, and more much. Costa Rica is a very business-friendly country and the opportunities here are still endless.


The roads are terrible!


Like any developing country, particularly one with a rainy season for part of the year, and with trucks and cars sharing the same, often two-lane road, it can be hard to maintain the roads in perfect condition all the time.


Fortunately, under the new administration of Nobel Prize winner, President Oscar Arias, significant steps are being taken to address these concerns. Millions of dollars have been allocated to new road construction and repair. Costa Rica has come a long way in infrastructure improvements, and it is only getting better.


No hablo espanol!


While one can get by without knowing much Spanish, you'll have a better experience if you try to learn at least some key words, phrases and sentences. In addition, befriending a Tico (hopefully a bilingual one!) will go a long way in helping you get things done here.


On our retirement tours, for example, we provide a post-tour relocation service where we link up our clients with a Tico to help with some critical "post-move" tasks such as getting a driver's license, hooking up electricity, phone, and Internet services, and a variety of other things. I couldn't get by without my "Tico connections" and my Spanish is getting better all the time.


But Costa Rica is in Central America!


Central America does have a reputation for being very poor, and historically, a region chock full political chaos, dictators, communists, and meddling by foreign countries. Costa Rica, however, has had a continuous and stable democracy since 1948 and the transition to new administrations have been as peaceful as they are in the United States. Yes, there are poor people here but it is nothing like the abject poverty found, for example, in Nicaragua or Honduras.


Costa Rica also has not experienced the gang warfare that is rampant in El Salvador, Nicaragua, and Honduras. It remains somewhat dangerous in these countries and the political systems are still not completely stable. Housing and land may be much cheaper, but is it worth paying less to live if you experience power cuts for six to eight hours each day (as is the case in Nicaragua lately) or more importantly, live in fear?


I've also found that the people are much more welcoming to us gringos than in other countries in the region, and don't just befriend us for our money. They are very hard working, genuinely interested in learning about North Americans, and for us, it is not hard to integrate into Costa Rica society. I cannot tell you just how many parties and dinners I've been invited to in Tico homes since moving here. They are friendly people indeed!


With millions of baby boomers in North America-over 70 million of them-retiring now or over the next 20 years, and living longer than previous generations, it will take a lot of money to live well in retirement, particularly in the United States. Is Costa Rica still a good alternative? Yes! Will you do well here and enjoy yourself? Absolutely! Come visit and introduce yourself to the wonderful people and natural environment that we still call paradise. We're here, living our dreams, and happy to help you! You can even email me at: boomersincostarica@gmail.com.



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Botanical Gardens of Costa Rica




On my last trip to Costa Rica in Feb. 05, while doing research for my botanical tour programs, I visited the three most important botanical gardens in this small Central American Republic - Wilson Botanical Gardens, Lankester Gardens and Arenal Botanical Gardens. Each of these venues was quite different from each other in terms of design, location and focus. If you are botanical enthusiast, it wouldn't hurt to visit all three venues. To follow is a brief description of all three …


Wilson Botanical Garden


Located in southern Costa Rica near the Panamanian border at an elevation of 4500 feet above sea level, Wilson Botanical Garden cover an area over 25 acres and were designed in part by the famous andscape designer and arhitect, Roberto-Burle Marx. The gardens are operated by the Organization of Tropical Studies (OTS) as a center for research, scientific study and public education in tropical botany. The gardens are terraced to give it sort of a natural feel; plants of the same culture requirements are grouped together - Bromeliads, marantas, heliconias, gingers in particular are well represented here. There are over 700 species of palms alone, the second largest collection worldwide. Easy to navigate walking trails circle the entire property which abuts a private biological reserve. Believe it or not, this is one of the most popular venues for the birdwatcher crowd. When I was there, a small group of real avid Birdwatchers from California and Massachusetts stayed at the lodge and were really stoked as they added many new bird species to their life history list. Nearby is the quaint little town of San Vito which was founded by Italian immigrants sometime after World War II; there are several great pasta and pizza ristorantes in the area.


Lankester Garden


Located in the Central Plateau near the historic colonial city of Cartago, Lankester Garden are operated by the University of Costa Rica. It's an easy 1-hour drive from San Jose. For several years, this facility was poorly maintained, however when I visited the gardens in Feb 2005,the gardens were in good shape as the University spent some money on upgrading the facility. The gardens are located on a relatively flat terrain at an elevation of about 3,000 feet above sea level; while it does not have the raw and wild look of Arenal Gardens or the classical natural terraced landscaping of Wilson's, it is still an absolutely delightful place to see and is especially popular with visiting Tico Families from San Jose.


Featuring over 1,100 different species of orchids including the most important collection in the world of the minature Pleurothallids, Lankester is definitely the place to go if you're an orchid enthusiast. Walking inside their Orchidarium, I saw many unusual and colorful species of cattleyas, ladyslippers (Phragmepidiums), moth orchids (Phaelonopsis) oncidiums, stanhopeas as well as the tiny looking " dwarf orchids". I'm not really an orchid enthusiast per se, but I have to admit some of the exotic orchids on display in the Orchidarium were real knockouts. For your information, The National Orchid show, a special weekend festival in San Jose takes place every year in March.


Arenal Botanical Garden and Serpentarium


Located about 3 1/2 hours northwest of San Jose, Arenal Botanical Garden is situated on a sloped hillside directly across from Arenal Lake. These gardens are primarily a native species preservation project; it definitely has the wildest feel of the three described venues and features many native Costa Rican plants, trees and flowers in addition to a good selection of imported and introduced species. Overall, 2,200 species are represented here including an extraordinary collection of Cycads and ferns. The trails climb a relatively steep grade and circle the entire facility. There is also a small Serpentarium on site - if you're interested in becoming familiar with some of the indigenous snakes of Costa Rica, this is definitely the place to visit. Boas, pythons and poisonous species are equally represented here


There lots of attractions in this region of Costa Rica, including the majestic Arenal Volcano, one of the most active volcanoes in the world; in addition there are some small butterfly gardens in the area and several venues with thermal hot springs. Sportfishing and windsurfing are two of the most popular activities at Arenal Lake, a large manmade lake, located just east of the volcano.


In addition, if you're staying in the San Jose Area, you must visit the lovely gardens at the Bougainvillea Hotel, located in the quiet San José suburb of Santo Domingo.



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Exotic Costa Rica Vacation




Stories of political unrest, hurricanes, and not-so-tourist-friendly areas have a way of scaring people away from visiting Central America come vacation time. However, you'd be wise to investigate the situation for yourself before crossing Costa Rica off your list. This beautiful, surprisingly quiet and peaceful country has all the qualities that make for an exotic and relaxing trip, so consider this oasis for your next holiday if you're in the mood for something different yet delightful.


Costa Rica has miles of coastline to take advantage of, so if you want to surf, snorkel, or just laze on the beach you won't have to look too far. Along this line of thinking, some consider Nicoya Peninsula to be the most beautiful spot in the country. Popular beaches border a tropical yet dry rainforest where agricultural and ranching developments are also found. Fun mixes with authentic terrain here, and you'll find that the result is almost overwhelming.


Wildlife preserves and parks will acquaint you with Costa Rica's focus on conserving precious flora and fauna, and you'll have the chance to catch sight of the world's largest species of turtle. Northeast of Nicoya are some fascinating caves, and throughout the forests are birds, iguanas, and howler monkeys. Playa Samara, Montezuma and Playa del Coco are all places worth investigating as well if you're lucky enough to find yourself on the peninsula with time to meander and be amazed.


Internationally recognized for all that it has to offer, Wilson Botanical Garden brims with rare, indigenous, eye-popping species of plants. Grab a map and head out for a self-guided walk or follow a tour guide who will tell you what's what. Either way you go, you'll end up dwelling over medicinal herbs, colorful flowers, and an array of birds that will make binocular wearers jump for joy. If you've come all the way to Central America, taking in the natural landscape like this is a must.


Surfers will find Costa Rica to be a paradise, and notable places to catch a few waves include Playa Naranjo and Ollie's Point. Seek out the famous "long lefthander" that the Golfito region is known for if you want a true challenge. Experience both the Atlantic and Pacific oceans as you tour the many beaches, and be assured that non surfers will find plenty to do as well. If you'd rather not feel the pull of the tides and the crash of the waves, just sit back and take it all on from ashore.


In a matter of three hours you can go from one side of Costa Rica to the other, so in order to see as much as possible you'll likely be moving around a bit. If you happen to pass through the capital, San Jose, be prepared for a bustling city that's a little gritty but definitely worth exploring. Museums, theatres, shopping, and excellent food will all compete for your attention as you navigate the noisy streets that weave through skyscrapers and typical big city sights. The energy is palpable, so you may not find San Jose to be the place to achieve the ultimate feeling of relaxation, but it makes a nice contrast to your quieter escapades.


As you wander the cities taking in the language and the culture or tour the rainforest stretching your neck to view the untamed upper canopies, you'll be glad that you've strayed from the beaten path to take a vacation that is out of the ordinary yet perfectly safe. As you drink refrescos (fresh fruit, sugar and water) after a day of hiking or as you stroll across a black sand beach, you'll be torn between telling the world about your wonderful trip and keeping it your own little secret. Later you can do whatever you think is right, but be sure to enjoy the peaceful moments as they occur.


As far as where to stay while in Costa Rica, lodging options are plentiful. In the spirit of this distinctive trip, however, you may find yourself gravitating towards a vacation rental. By settling into a house or villa that captures the tropical vibe, offers great views, and provides better than average amenities like a washer and dryer, a covered porch, plenty of closet space, and long-term availability, you might be tempted to leave your old world behind and take up a new identity as a tico (local). Conveniences like being able to walk to the beach without ever feeling crammed into a boxy hotel will be key in contributing to your overall sense of happ