Tag Archives: money

Million Dollar Views

When we were putting together our plan to move to the tropics and more specifically Puerto Rico we would often talk about the reasons for doing so.  Warm climate, different culture/language, early retirement, more self sufficiency and a general idea of breaking out of the mold we were raised in to experience something different and from a different point of view.  Fast forward to having lived here now for approximately a year and a half…. We are living those ideals and it has been an interesting journey in the adjustment to a new perspective that a different culture offers. Specifically in the way different people think about and see the world.

We used to watch the show 30 Rock and there is a fantastic episode about perspectives that helps illustrate the journey of seeing the world through different eyes.

As far as breaking out of the mold we were raised in, it is a gradual process.  Switching from the rat race to a slow pace has been interesting and I find my perspective still shifting between the two philosophies all the time.  The juxtaposition is a self imposed challenge in controlling my thoughts and actions in an effort to fit in and adjust depending on who I talk with.

Is it possible to change the way we see the world from that of Jack to Kenneth or Tracy Jordan amongst others and back depending on when we consciously choose to? Or are we stuck viewing the world the way we always have?

I have noticed a lot of us folks from the states tend to have the Jack Donaghy perspective of looking at things.  No surprise that I find myself with this perspective too.  In this perspective there is a monetary value associated with everything.  As Americans raised in the American school system and surrounded by a consumerist culture, I find that it is very easy to keep score using money as the system has intended for us to do.  Nearly everyone seems to know how to operate in this imaginary sliding scale of value.  Even giving monetary value to things that have no monetary value. Or telling us how successful we are based on our income.

This brings us to the “Million Dollar View.”  It is a term that I have heard from people originally from the states now living in PR.  It has happened enough that I started to wonder how we all acquired this term and why we use it.  I think this is a symptom of the culture in the states of having to associate a dollar amount to show value.   I know exactly what we are all talking about and I agree it is difficult to describe how fantastic life here in PR can be, especially the awesome vistas.  It could cost a million dollars!!

english rose view

But…..It usually doesn’t. In fact nobody pays anywhere close to a million dollars and some of the poorest people have some of the ‘best’ views.  It is more of a $10k-$60k dollar view, or even free, but nobody says that!  It would lose all meaning, “You should see the view, its a $25k dollar view!”.  Doesn’t seem as special now does it?  Same vista but a different view.

I have also noticed that native Puerto Ricans don’t seem to care as much about views and sometimes will just let the trees grow, or build a closet on the side of the house that has the ocean view.   Shade is sometimes more valuable. Vistas just aren’t valued in monetary or social terms as much, which is a HUGE contrast.  It is just part of the backdrop of life here, not something to be defined with a dollar amount anymore than a coconut tree or a patch of grass.  It’s just there.  It starts to raise the question of what is value which I think that 30 Rock episode does a great job of illuminating.  It is different for everyone.

Beach Front for sale
A Beachfront Warehouse!

To us a parcha vine is worth a lot, so are avocado trees and bananas.  The fact that we can pick food off a tree for free vs having to buy it has value to us but not just monetary.  It is a shift from looking at things the way Alec Baldwin’s character does (see the video) and isnt just about the amount of money saved or spent, but rather a sign to living a life not dependent or defined by money and all that it entails. It shifts perspective to just existing.

One thing that seems to puzzle people from the states is that the police drive around with their lights on ALL THE TIME. I’ve heard comments about how hard it is to “catch the bad guys if you announce your location with flashing lights!”.  There is possibly another reason.  What if the perspective that the police are there to bust people is not applicable everywhere?  What if they were there to help?  Wouldn’t it be easier to flag down a patrol car if you needed help if you could see it coming down the road?  Wouldn’t this be a more pleasant way to view police in general?

Perhaps we are becoming a little more like Kenneth where we can just appreciate the simple things.  Notice in the video from Jack’s perspective Kenneth is only valued at $7. Each perspective has an upside and a downside and being able to float between them is really the million dollar view?

The consumerist system wants us to think that we have to buy something new to be happy. We don’t have to buy happiness. Things that are awesome don’t have to cost anything. Look at all the marketing used to sell products; good mood food, good life, cause you’re worth it, open happiness, happy meal, etc.

Just a thought.  The mainstream American culture is here in PR there is no doubt about that, don’t get me wrong.  It is just every once in a while I see differences in the simple things and that has to be worth something right? 😉

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So What Do You Do? Or How to Quit Your Job and Move to the Tropics

“So what do you do?”

Invariably when you meet someone for the first time, this question is bound to come up. It tells you a lot about that person and gives you a baseline for some of the interests and background of that person. In fact, I ask it a lot myself.

In Colorado we had pretty “normal” answers. Britton and I both worked full-time professional jobs, had a standard house and yard to maintain and had a few hobbies like our chickens, bicycling and gardening.

But now that we have moved here to Rincón, Puerto Rico, when we are asked that question, it is a little harder to say. We are not exactly retired, but we don’t exactly “work” either. I would say I work physically a lot harder than I ever did before, but I don’t get paid to do it. So is that work? Or do I just “hobby” around? It’s funny how our self identification seems more clear when we are paid to do something rather than when we choose to do it on our own time. Why is that? Why does money muddle who we are? Wouldn’t you think it would be the opposite? That what you do just because you do is actually closer to the real you? And what exactly is the difference between doing something professionally or as a hobby? Is it that you have an “official” title and job description or does it all boil down to the paycheck?

Painting the cabana
Meeting reminder: Paint, meet the trim of the cabana

Well we don’t work for a paycheck anymore. So what do we do if we don’t do that? And more importantly then who am I? How do we describe ourselves and “what we do”? Well, every day we do something! Sometimes it is painting a house. Sometimes it is tearing apart a deck. Sometimes it is clearing trees and vines. Sometimes it is planting new trees. Sometimes it is figuring out computer issues. Sometimes it is laying on the beach. Sometimes it is going on marathon shopping trips to Home Depot or garden nurseries that will mean even more work the next day. Sometimes we go out and meet up with people. Sometimes we just lay around the cabana and read and watch shows on the laptop and cook food. Essentially, what we do is…live!

Surrounded by plants
 A day at the office

But I think the question beneath the question of “what do you do” is really…”How do you make money?” And when you separate the daily what-you-do from the money question it makes it much harder to define. If what I do doesn’t directly earn me money is it then therefore still who I am? I think this question has plagued stay-at-home moms and dads for a long time. They could be working their butts off day and night but because there is no paycheck, it doesn’t seem as “real” to some (usually those who are still wage earners) as paid labor.

The “work hard” mentality is usually tied to earning money. And that is a hard game to play, especially for low-wage earners because the shortage ultimately will be – time! You can only work so many hours in a day. If you are a mid-range (and especially high) wage earner it will still be tough, but if you want to, you can stop playing the stressful rat race game. In reality, if you want to get off  the rat race treadmill you have to change your mentality toward working hard and climbing the ladder only to spend more and climb more. At least that was our wake up moment.

Everything boils down to how you envision your life. To us, we saw keeping expenses down as more important than earnings and so we were able to get out of the rat race. Just like it takes a lot more effort to run 10 miles than to just not eat the cookies, it takes a lot more effort to work your whole life than it does to just not buy into all the consumerism. There is some discipline and will-power in there somewhere too, but it is much simpler to just go without sometimes. Not always. Just sometimes. And that’s what we did to get here to this point where we could pretty much do whatever we want to do each day. Seemed like a good trade to us.

Hibiscus
My office view

The money game is really not that hard to figure out. You need to be able to save more than you spend. You should have as little debt and subscriptions (AKA ongoing expenses) as possible and you need to figure out some recurring income. We set a goal to save up enough money to live here with very little expenses and we have a small amount of investment income as well. We worked at our traditional jobs with that goal in mind and bought and worked on our investments and now we are here! We also intend in the future to possibly sell some agricultural products (fruits, plants, chicken eggs, etc), have a little cabana rental income eventually and always keep an eye out for what other opportunities might come up that speak to our spirit.

IMG_4478
On the task list: Fog the mosquitos

And what is really cool about living here, especially in Rincón is that there are so many other like-minded people! Nearly half the “expat” community of people we have met have made a similar jump to the unknown and come down here with a hope and a dream (and sometimes a plan). They start doing what they love to do and soon they are even being paid to do it or they make a business out of it. People come here to play, and I don’t just mean in the ocean.  They, we! come to play the game, the life, of our choosing. When you get down to it, that’s what life is really all about.

IMG_4302
The board room

Sure you need to have your basic needs met. And like I said, for some people this is harder than for others. But if you are blessed with your basic needs met then beyond that, your dreams, your creativity, your preferences, your real true self underneath it all should mean something too. And if you feel that you are at your highest self working a traditional job, then by all means do that! But if you have an itch to go out and try something new, if you know deep down that you are ready for an adventure then work towards living the dream! And then go do it! It really IS all that it is cracked up to be. Believe me. It’s what I do for a living.

 

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Phone call with Carlos, the lawyer in PR

I called Carlos. 

 

Basically he doesn’t know how long it will take for the department of natural resources to do their part. (all the rest is hear-say)

 Carlos hasn’t told Alwilda yet.  Then he went off on “he doesn’t know how long she can wait”. 

BK: well she doesn’t really have a choice does she?

Carlos: They may need to sell it to someone who has the cash upfront.

BK: Why would someone buy a property that isn’t titled correctly?

Carlos: It would be the same kind of deal that it was when she bought it.

BK: What kind of deal is that?

Carlos: A cash deal

BK: Well I don’t know many people that have that much cash, is there someone else waiting to buy an un-titled/not properly titled property?

Carlos: You would be surprised, that is how we do things in the rural parts

 

Which comes back to, if a bank can’t buy it because it is missing something or there is a problem with the title I don’t see how anyone would want to buy it (unless of course they didn’t know).  Makes me wonder if Alwilda even ‘owns’ it!?!

 

I suggested that we could talk to Alwilda and maybe work something out until the bank financing goes thru and he said that is something that “she would have to decide”.
It’s tough working on something like this that you have no idea how to influence from 2000 miles away.  

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Keep Gas Prices High

Keep Gas Prices High
By Cassie

I know, I know. That sounds like blasphemy, but it really can bring about solutions not the least of which would be ending our dependence on oil and therefore foreign powers (eg: war!).  How do high gas prices work to decrease our dependence on oil and what other benefits can be derived? I can think of at least three ways.

1) High gas prices drive up the price of everything that is shipped in, and that is a good thing because we think before we ship. Why are we shipping in water for instance (in the form of bottles of water, watermelons, pop, oranges, beer and so many other things)? We may actually go back to a simpler and more sustainable way of life if we shipped/trucked fewer things in/out. The things that are shipped in should be things we can’t produce locally, and only then, it should be a rare treat to see oranges and bananas in Colorado (or fresh cranberries in Puerto Rico). If we are going to ship things, they should be dry goods like spices or coffee.  People could learn how to make bread from local mills (for example) and buy locally produced furniture and toys instead of shopping at Wal-Mart where probably 70% of its products come from China (that’s a long way and a lot of fuel to get here).

 The phrase, “think global, live local” sums it up.  When we live, eat and buy in and from our local area, we not only support our local area (farmers, businesses, community), but also help to stop the exploitation of other areas across the globe (think: sweatshops, child labor, slavory). I am trying to turn into a locavore. Yes, a little loca too 🙂

2) High gas prices also make you think about your travel. That is also a good thing. Maybe people will use scooters more or -gasp- bicycles and FEET! This can help us combat our obesity epidemic (if you haven’t seen the CDC report, Colorado is the last hold-out, but still tremendous high level of overweight/obesity http://www.cdc.gov/nccdphp/dnpa/obesity/trend/maps/) Maybe we will build our cities so that they are connected and people want to go (walking/biking) to a flourishing downtown. Maybe SUVs won’t be the big monster gas-guzzling bullies that they are anymore as people downsize their vehicles.

3) High gas prices also make you think about our energy infrastructure and what we can do about it. We have had electric car technology (and electric trolleys) for nearly a century. We have also had CAFE standards that the auto makers conveniently forget about and pass the fine costs on to the consumer. We have mass-transit solutions (although this might require a change in the individualistic mind-set). We have had solar energy capabilities including being able to beam down energy (no it’s not science fiction) from space solar power.

When we start thinking about this, we start to realize the amount of control the oil companies wield over America. Exxon-Mobil alone makes more money (profits) in a quarter than the annual GDP of many developing nations –combined! No wonder we have been so slow to change our energy policies. Oh, that and we have an oil man in the highest position of the land. Hmmmm.

Listen, I don’t like paying more for energy than anyone else, and in fact, I am known for being rather frugal, but if this is the only way to get out from under Big Oil’s thumb, keep on a-rising. It’s certainly given me more incentive to ride my bike! And no, giving us a “tax holiday” (average in US for state and federal is only 47 cents/gallon) or drilling up the wildlife reserves is NOT the answer. Actually, a gas tax could help. We could tax gas until it is obsolete and give the money back to the people in the form of incentives for solar energy on their houses (to power their own electric cars!), or for free bicycle programs, help in creating active community environments, tax rebates for hybrid and other energy solutions, business incentives for work from home programs and not just use the taxes to build bigger roads for bigger cars with bigger seats.

Here’s an article about harvesting the sun’s power from space: 

   

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