Category Archives: Rants and Raves

Zika in Puerto Rico

Zika, Zika, Zika! Everyone’s talking about Zika! As you can imagine, in Puerto Rico it has been a huge topic of conversation lately. As the latest “new” mosquito-borne virus/disease there has been a lot of worry, alarm and confusion. Puerto Rico is the first place in the U.S. to face the full force of this virus. Unlike in the north where they can just simply say “avoid areas with Zika” when we live here, we are much more aware. Currently, about 700 people in PR have been confirmed with Zika and those numbers continue to grow. But what does that mean? Let’s first go over what Zika is and isn’t.

aedes
Aedes mosquitoes are large, slow and striped

Zika is a mosquito-borne virus carried by the Aedes mosquito -the same ones that carry dengue, chikungunya, and yellow fever. They are larger mosquitoes with tiger striping. They like to hide out in houses, under beds and in cabinets. Their eggs can withstand long periods of dryness and hatch in as little as a thimbleful of water. They don’t fly far, but travel widely mainly because of the movement of humans and other blood meals. Because of these factors, completely eradicating mosquitoes especially in the wet tropics can be very difficult, if not impossible. The Zika virus can also spread sexually for the approximately 10 days that it is active in the body.

The illness of Zika is actually overall much, much milder than most of the other mosquito-borne illnesses. When Britton had chikungunya/dengue (still not sure which), it laid him out flat for a week! Zika, on the other hand, is almost entirely asymptomatic meaning most people will not even know that they had Zika! Those who do get Zika symptoms have very mild symptoms such as a mild flu. Very few people, in fact much fewer than from the flu, are expected to die from Zika illness.

The main concerns for Zika are Guillain-Barré which is rare and temporarily debilitating but in most cases people will recover and microcephaly in infants born to mothers who had Zika during pregnancy. Microcephaly is basically a shrunken head/brain deformity that can cause all sorts of serious problems in the baby including seizures, vision loss, inability to walk, and other developmental abnormalities. In the general population this occurs in about 2-12 out of 10,000 births.

zika-virus-and-microcephaly-4-638

The increased number of microcephaly births in Zika exposed pregnant women, including the exact rate, is still not exactly known. Nor, is much else about it for that matter. All that is known is that there is an increased risk. Most reports show, however, that the increased numbers of microcephaly were dramatically overstated in Brazil and that of those that were accurate nearly all of the women had experienced the classic Zika symptom of a rash on the face and red eyes. Since only about 20% of people who are infected will experience any symptoms at all, the likelihood of a microcephaly birth is still very low.

The other factor to remember is that once people have been exposed to Zika, including women of childbearing years, we then have immunity! It is only during this short window of time while it spreads, perhaps a year, that we are immunologically naïve and will have this risk. Because it is already spreading so rapidly, it is estimated that 80% or more of people in Puerto Rico will have been exposed (and therefore granted future immunity) to Zika. It is estimated that at least 20-25% will have been exposed before this current year (2016) is out.

My Thoughts on Zika
To me, given all of this information about Zika, which is still frankly not much (I would like to know the exact expected rates of births with microcephaly in infected and symptomatic mothers for instance), I would say that the majority of the population doesn’t need to worry much at all! Zika is a very mild disease and most people won’t even know that they had it. And trying to fight off all the mosquitoes is a losing battle. Even in the states, West Nile Virus spread like wild fire and infected tens of thousands of people. Even though mosquitoes there are really only an issue for about 3 months out of the year and most people have screens and air conditioning, it still spread! It is nearly impossible to be completely locked away from mosquitoes, and many call the fight against mosquitoes (especially the aedes mosquitos) a lost cause.

In fact since it is estimated that most of us will get Zika anyway, I’d rather get my immunity early rather than delay it further and that way I won’t have to worry as much about questionable chemical municipal sprays, GMO mosquitoes, larvacide in the waterways and freaking out about mosquitoes (though I am certainly no fan of the little blood-suckers and have tried all I can to keep them away, given how much they love me I probably already have it).

Since the biggest issue with Zika is the increased risk of microcephaly, the group of people who I would be most concerned about are women who could become pregnant, are thinking of becoming pregnant or who are currently pregnant. For that reason some groups are recommending the delay of pregnancy until after the wet summer season (when presumably we’ll all get the chance at Zika immunity). Even still, while it is an increased risk, most babies born to women who were exposed to Zika during pregnancy will be normal.

I hope this summary of information on Zika that I have been reading up on has been helpful. In the meantime, I will be eating a lot more garlic to ward off these vampires and keep my cardiovascular/immune system strong to fight off any virus. ¡Salud!

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Money Matters: Shop Smart and Shop Rarely

This is part of a series on finances. Here’s Part 1: How we live on just $1000/month.

Living in a super tiny indoor space (and a park-like outdoor space) as well as having a careful budget, has really helped to understand what is important and what is not. It has helped me to weigh in whether or not this or that purchase is really worth those valuable dollars, resources or space. In 300 square feet, even a new pair of shoes can take up a pretty large amount of real estate. As I have discussed before, many of our modern problems could be alleviated by simply not buying as much stuff! And we subscribe to this philosophy quite a bit.

But sometimes in this modern landscape we do still need to buy things. This is a point when you need to be careful where your dollars go if you are serious about becoming financially savvy and financially independent. But there can be lots of temptation and marketers that would have you believe that spending gobs of money is the only way for you to get your goods. I recently saw an ad posed as an article in a magazine that made me laugh out loud.

Money matters shopping
Do you see what I see?

At first glance it seems innocent and common enough. There is a list of the must-haves for going to the beach: Laura Prepon’s supposed picks. A tote bag, cover-up, bangle bracelet, bikini and wide brimmed hat. What made me laugh though, was when I totaled up the cost of these items: $298 for the tote, $98 for the cover-up, $75 for 3 bracelets, $225 for a bikini top and $150 for a bikini bottom, and $40 for the hat. Or a total of $886! And that is not including tax which in Puerto Rico would be about $102! So around $1,000 just to wear very little to the beach?!

Outfit
What’s in Cassie’s beach bag?

It got me thinking about my beach gear. Like Laura Prepon, the swimsuit from Marshall’s was the most expensive item at $25 (and both the top and bottom! Imagine that! You don’t have to choose whether to go topless or bottomless -haha). The hat from Me Salvé was $1.99. The tote bag I’ve had for about 15 years and I think cost something like $15 back in the day. The cover up I recently got at a clothing swap, so essentially cost me just cleaning out my clothes that no longer fit me (this is the best idea ever! -thanks Ocean State of Mind!). Regarding bracelets, for one thing I don’t wear any jewelry to the beach, but I just threw them in to be comparable. The green one I got at Kohls in Greeley for about $2 and the bead one was a gift from my momma (thanks Mom!) that I think was something like $10. For a grand total of $53.99! With tax that would be about $60 total. Quite a difference especially when you look essentially the same as if you had spent what the magazines want you to think you need!

Beach outfit
Are you beach ready at $60 or $1000?

So be careful what you buy and be careful what you read. Sometimes just reading or watching things like in magazines, catalogs, TV, internet, etc can make you want things that you would never have thought about before and also plant in your mind a sort of normalcy for spending outrageous amounts of money. Remember, if you are seeking financial freedom, your dollars are your freedom fighters so use them wisely! And while bargain shopping can be a game in and of itself, the truly best way to save money (not to mention the resources it took to make the items!) is to not spend it!

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John Oliver on Puerto Rico

In case you missed it, John Oliver and Lin-Manuel Miranda break down the real reasons Puerto Rico is struggling so much economically: a long history of different, preferential rules and programs for the rich from the states that economically has handicapped the larger community AKA modern colonialism. There are special tax breaks, loop holes and unequal voting, shipping and bankruptcy laws that benefit vultures who feed off of decay, chaos, vulnerability, desperation and collapse. Even the toll roads on the island are owned by Wall Street! If we think there is legalized corruption through an oligarchy in the U.S. proper (which there most certainly is!), Puerto Rico is this on steroids.

What a powerful piece. Now we the people need to stand up and take the power back!

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Money Matters: How We Live On Just $1000/Month

Some people have asked for more specifics about how we were able to up and move to Puerto Rico and essentially retire before either of us turned 35. Well, let me first start this series with our budget. Your budget is sort of like your diet. It can be healthy or not, but it certainly does reflect what’s important to you. For us, living a bit more wild and free choosing how we wanted to spend our time was far more important than a lot of consumer items we could buy. Obviously not everyone wants to live like we do. But it certainly IS possible. And I would say having more freedom is worth every penny we don’t spend. If you are interested in the cost of living in general in Puerto Rico, check out this post: Cost of Living in PR.

Money Tree
Don’t we all wish we had a money tree?!

We live on only about $1000 a month. This is probably a shockingly low amount for most people, but it’s really just fine for us and it is very close to the amount we spent in Colorado except that we had a mortgage there. Less really is more and we still have a lot of fun and this is a pretty loose budget. If we needed to live on less I could probably get this down to about $700/month or $8,000/year if needed. So how does that $1000/month break down for us?

BUDGET BREAKDOWN

$500 -Food/alcohol. Approximately $100-$130/week grocery bill equates to about $500/month. While we grow a good 50% of our food it still costs a lot to buy food and alcohol. I value good, nutritious food, so this might be more than someone who just buys cheap junk processed food. Still eating in is by far cheaper (and way healthier) than eating out. This breaks down to less than $3 per meal per person (3 meals a day). If you counted the snacks/beer/coffee that we don’t go out to buy it’s even less!

Bananas
A banana tree is pretty close!

$100- Vehicle. Travel. Truck gas, marbete and maintenance like tires. We try not to drive too much and this is probably closer to $75/month but also gives some room for long distance travel or a random large mechanical problem.

$75- Going out for food. We don’t eat out much, but just a light lunch for two is about $20. Let alone a dinner. So we only go out to eat about 3 or 4 times a month.

Taco Food
Living in a tourist town can be expensive if you eat like a tourist very often! $8 for a couple of tacos is pretty common

$75 – Partying/hanging out. Hard to admit, but yah, going out once or twice a month to a bar or whatever is expensive when you start buying drinks/rounds! At least we get paid a little when we do it with the band!

$50- Clothing. We don’t buy this monthly but this would probably be an average of about $500-600/year.

$50 -Random household goods/repairs. Kitchen items, Kitty food, makeup, cleaning supplies, small tools, Rx. Stuff like that.

$50- Farm Expenses. Bird food, new plants, plant care, yard tools. Though some of this is capital improvements and/or comes back in the sale of eggs/produce or in that we don’t have to buy as much food at the store.

$50 -Utilities. Water, electricity and internet. Appx $15 each. We don’t have air conditioning or a clothes dryer and although we sometimes water our plants or mix concrete it still doesn’t seem to jump up much. Sharing is caring when it comes to internet and many other things.

$25- Medical. Doctor/Dentist -Rarely needed. Probably not even this much.

$25- Other miscellaneous expenses that inevitably pop up. Also gifts/donations.

What’s missing?
A mortgage/rent. We have no mortgage on this property. Living expenses are generally the largest expense most people have. So to be free from this is incredibly important in being able to live simply/inexpensively.
Other debt. We have no other personal debt. No student loans. No credit card balance. No home equity lines. No car payments. We live simply and don’t like debt unless it earns us money directly above and beyond what it costs to service the debt and even then I don’t really like it.
Costs related to investments in CO. Those go back into the business so aren’t counted as part of living expenses.
Most insurances. We self insure, so I suppose in a way our savings pays for this but it’s not a monthly or yearly expense.
Taxes. We pay very little taxes except sales tax. One big benefit of making less money is not having to pay much in income taxes! Property tax is $40/year or less than $4/month. Counted in other misc.
Costs related to construction. This was saved for prior to the move.
Many utilities. We don’t pay for a cell phone. We don’t have cable or even a TV. We don’t pay heating (there is no need for heating). No one pays for garbage service in PR.
Hair cuts, landscaping, car and house maintenance and other stuff we can do ourselves.
Costs related to children or divorces (like child support/alimony). Keepin’ it simple!
Very many dumb purchases. Sorry to say but some things like cigarettes, lottery tickets or bottled water are just not smart for a variety of reasons including your health, the environment and of course your budget. Alcohol is our one dumb purchase and we limit it to about $50-100/month. If we needed to save more it would be the first thing to go.
Retirement payments. We are already living it!
Most Entertainment. Most of our screen audio/visual entertainment comes from the internet.
Savings. We still save each month, but this budget list is only for expenses that are not recouped.
Travel/Vacations. This is captured under vehicle somewhat, but we can also use savings. Though I haven’t left the island in over two years, so it’s not really an expense currently. Traveling is super expensive in general!

Guajataca tunnel BK CK
Livin’ it up in Puerto Rico!

So that’s it! That’s what we spend our money on. We took a huge pay cut to move to Puerto Rico, but it didn’t really hurt because we lived on this basic budget in Colorado even when we were making a LOT more.  Though a lot of focus is on salary or pay, it doesn’t really matter what you make. It matters much more what you spend. Again to compare a diet, just as you can’t outexercise a bad diet (if you are eating more than you burn), you can’t outearn a bad spending habit (if you are spending more than you earn). You may be making a million dollars a day, but if you are spending two million you’re doing much worse than someone like us who makes maybe $1200/month but only spends $1000.

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