Episode Summary
In this episode of The Expat Files, Johnny Mueller delves into the world of free trade zones in Latin America, with a particular focus on Panama's Cologne free trade zone. He explains how these zones operate, the tax benefits they offer, and their impact on local economies. Johnny also compares VAT rates across several Latin American countries, highlighting how these taxes affect the cost of living for expats.
He discusses the complexities of taxes and import duties in various countries, particularly in Latin America and Asia. Johnny highlights how countries like Brazil have high VAT rates, ranging from 0% to 365%, and how these taxes are often built into the retail price of goods. He also mentions the possibility of tax refunds at airports but warns that this is often difficult in third-world countries.
Johnny introduces the concept of the Cologne free trade zone in Panama, where products are imported directly from China without VAT or import duties, making them significantly cheaper. He contrasts this with his personal reservations about Asia, citing difficulties in learning Asian languages, concerns about Muslim populations, and the strategic importance of some Asian cities. He concludes by favoring Latin America for expats due to shared language, culture, and relatively low military threat.
He then discusses the adoption of VAT taxes in Latin America, explaining that it's a stealthy method for governments to collect significant tax revenue from the populace. He highlights that VAT is assessed at multiple stages of production, often leading to a cumulative tax burden that can exceed the final tax rate. He also notes that many Latin American countries lack strong tax enforcement mechanisms, allowing for widespread tax evasion and underreporting of income.
Johnny further explains how property taxes are often minimal, and how property transactions can involve informal arrangements to avoid reporting the full sale price. He also touches on the prevalence of cash transactions and the challenges of implementing cashless systems in Latin America. Finally, he transitions into a personal anecdote about the extremes of Latin American society, where both kind and unkind people can be found.
In a marketplace incident, Johnny recounts an encounter where a local woman confronts a man who had previously stolen six dollars from him. The woman, likely protecting Johnny as a gringo, publicly reprimands the man, leading to a small crowd gathering. Johnny later pays the man the agreed-upon price and gives him a warning not to steal again. He reflects on the dynamics of street life in Latin America, noting the prevalence of street performers, beggars, and the importance of being cautious with money in cash-based economies. Johnny expresses a preference for giving money to those who are actively working or selling something rather than simply begging.
Johnny also discusses the phenomenon of beggars using creative methods to solicit money, including a unique case where a man presented a laminated prescription card and a pharmacy receipt to justify his request. He highlights the idea of 'capitalism competition' and the 'lag time effect,' noting that such tactics have spread across different regions, including Latin America and Europe. He promotes his seminars and consulting services, emphasizing the importance of 'plan B' for expats.
Topics
Free trade zones in Latin America, Tax benefits for expats, Impact of VAT on cost of living, Economic implications of free trade zones, Comparison of VAT rates across Latin American countries, Taxes and import duties in Latin America, Tax refunds and their challenges, The Cologne free trade zone in Panama, Expatriate considerations in Asia, Cultural and strategic concerns in Asia, VAT tax in Latin America, Tax evasion and enforcement
Chapters
00:00:00 Opening 00:00:40 Introduction to Free Trade Zones in Latin America 00:01:44 The Reality of Free Trade Zones and Their Impact 00:02:54 The Benefits of the Cologne Free Trade Zone in Panama 00:04:58 Comparing VAT Rates Across Latin American Countries 00:06:14 Introduction to Tax Complexity in Latin America 00:06:42 Tax Refunds and Their Challenges 00:09:06 The Cologne Free Trade Zone in Panama 00:09:30 Personal Reservations About Asia 00:12:04 Why Latin American Countries Adopted VAT Tax 00:12:10 VAT as a Stealthy Tax Collection Method 00:12:16 How VAT is Assessed at Multiple Stages 00:12:21 Cumulative VAT Tax Burden 00:12:27 VAT Tax as a Cumulative Burden 00:12:32 Understanding the Final VAT Tax Rate 00:12:35 The Hidden Tax Burden on Consumers 00:12:43 Why Latin Countries Adopted VAT Tax 00:17:37 The Confrontation Begins 00:18:36 The Resolution and Warning 00:19:51 Choosing the Right Helper 00:22:55 The Beggar's Act and Disability Fraud 00:23:42 The Laminated Prescription Card Beggar 00:25:31 Capitalism Competition and the Lag Time Effect
Transcript
Automatically transcribed from the original recording; names and wording may contain errors.
[00:00] South of the border down Mexico way That's where I fell in love when the stars above came up to play and now I wonder Hello there all you expat wannabes I'm Johnny Mueller and you're listening to the expat files living in Latin America the show that tells you just what it's like to live Work play and or retire down here in Latin America It's a mix of the good the bad the ugly and the great and it's all right here. So let's get started You know this show is all about the good the bad the ugly and the great all in regards to Latin America today Let's talk about some good and some bad I'd like to mention something that comes into focus once in a while people talk about free trade zones
[00:46] Now in every Latin American country, they have assembly plants and Makilas and factories where workers make or assemble things And they ship them off to other countries to be sold down here That's especially true of the clothing shoes and textile industries and thus they have free trade zones or free trade Zona Francas That's what they call them here and to get into these little isolated Communities or colonies as they calm down here. You have to go pass to guard check in with your ID and paperwork a lot of Security, you know because you see the goods are not supposed to be sold within the country They're manufactured or assembled in unless taxes for that country are assessed and paid Meanwhile, the other items that get shipped out of country go out tax-free
[01:32] So you've got trains and trailer trucks and containers going in and out of those factories all the time But when they're shipped out they go directly to another country. Now, that's how it's set up. That's the theory That's how it's supposed to be but it's actually a lie because a lot of that stuff ends up slipping into the local marketplace Which is why you can pick up real brand names like Tommy Hilfiger and gas and stuff in Crappy little corner dives and tandas. Meanwhile, just a few kilometers away They've got the real bona fide retail stores at the regular first world price Anyway, one of the things that gringles and expats don't realize is that in the country of Panama There's a special little free trade town called Cologne. I mention it in a recent past show It's named after Columbus and that word Cologne coincidentally or not
[02:20] So coincidentally also spells out in English the word colon the normally unspoken part of a large intestine Therefore presenting us with a very easy memory aid. We're not likely to forget which makes you wonder if Old Christopher Columbus got his ass kicked a lot by the English-speaking kids at school and for that matter How about Colin Powell should have been his parents who got their asses kicked for naming him that you gotta wonder What were they thinking? Anyway, there's a town right on the Panama Canal called Cologne I mentioned this in a past show and for my money It's one of the best free trade zones in the world because you and I the general public can go there and buy things Tax-free and import duty free too. In fact, I've been there quite a few times myself
[03:06] And I can tell you you can get just about anything and everything there at generally 25% or more off the lowest price you could squeeze out of a desperate retailer on Black Friday Now, of course, you must remember that Latins love to dick her So when you're there and you see a price and you think hey sure it's cheaper than Walmart, but not that much Just hit them with your best shot They expect that although many gringos won't dick her or they don't know no Spanish to dick her and they're just so very pleased to See the prices are 10 or 20 percent lower than they're used to which is why so many fresh green Gringos are happy to pay the sticker price Just remember that generally the sticker price is not the final price as expat Eddie says It's just a nice starting point and a way to sucker in gringos who don't know any better
[03:51] By the way last time I was in Cologne Panama I noticed that probably 80% of all the retailers in their free trade zone were Asian Which shouldn't be surprising the Chinese pretty much own all the shipping and port storage around the Panama Canal now So anyway, if you're ever in Panama do make a point of going to the Cologne free trade zone and man Is it big in fact the zone consists of 16 streets of nothing but wall-to-wall stores It too is gated and guarded you have to go through one main entrance check in show them your US passport and such So then why do they bother doing that the trick is you see they don't let Panama citizens Buy stuff there because all the other retail businesses in the country outside that zone Would go under you could see it, right? No one would shop locally anymore
[04:38] They just head for the free trade zone in Cologne every time they wanted to buy something Now the rest of the retail shops outside that zone have to pay local taxes That would be Eva or value added tax, which is 7% in Panama Not to mention built-in to every item outside the free trade zone is the import tax, too Anyway, like I said Panama has a 7% vat tax or Eva and that's pretty low as Latin countries go now Just for comparison sake Chile has a vat of a get this 17% again one big reason why Chile is one of the more expensive Latin American countries to live in now Remember everything you buy including hotel space restaurant dinners and such has the vat or as it's called
[05:25] IBA here built right into the price. All right, that was Chile or as the locals say Chile now Costa Rica has a 13% Eva same with Salvador 13% Dominican Republic 18% Guatemala 12% Honduras 15% Nicaragua 15% Paraguay 10% Venezuela 12% Argentina a ridiculous 21% Eva another reason the average gringo expat shouldn't really be thinking of Argentina as a low-cost expat haven even though people like Doug Casey will tell you fruits and vegetables and local products are very cheap And they are many manufactured products are imported and heavily taxed So you will get nailed and your cost of living will be much much higher than most other Latin country
[06:14] However, it's a great place if you have a lot of dough Do you so Argentina is pricey, but now for the topper Brazil? Get this a country ever into complicating things beyond the absurd especially when it comes to government Brazil has a Eva or vat sliding scale depending on what products you're buying from 0% to an unbelievable 365% Hey, I know it sounds crazy. Just look it up. You'll see for yourself now Of course, you've probably heard that you can get that vat tax refunded at the airport or when you leave another country You just have to show your receipts and such and it's true And I know people who've done it without too much problem either, but that's always been in places like Japan
[07:01] Australia Europe Israel Places that are first world just try doing it in the third world once if you do as expat Eddie says you have to Add another day onto your trip. So is it worth it to even try probably not Unless you're talking about some real substantial numbers then still there just might be a hang-up Then you'll have to spend another day in the country, which is why most people don't even bother when then third world They just fly out and forget about those tax receipts better yet If you're in Panama you just go to the Cologne tax-free zone Where there's no vat or import tax duties figured into the price of the product at all Oh, and by the way when you're in Latin America or any foreign country for that matter when you buy a product there That's been imported. Let's say from China. Well, most things are you're not just paying the country's vat tax and it into the price
[07:48] Remember the products when they landed in the country were assessed an import to detect so that's added into the price So when buying imported items down here, you're paying in the retail price the vat Which varies from country to country as mentioned and you're paying the import duty which is built into the price to also Varying from country to country, for example in a previous show I mentioned the case of Guatemala where import duties range anywhere from 0% for things like vitamins and drugs certain electronic items and such to 15% of the value of the invoice. So if you take the Guatemala example Let's say you're buying a chainsaw that was produced in Sweden Well when it landed it got hit with a 10% import duty then the 12% vat value added tax or eva is added
[08:36] So the price of that item is automatically 22% more than the actual value of the thing Of course, if you bought the same item in the states, it'd be assessed to state tanks and there's import duties, too So that's why prices vary so much from country to country bottom line Retarded malignant governments have their hands out and pick your pocket many times over for every product that's produced However, like I said, there's one place you don't get nailed for all that. That's the Cologne free trade zone So then how can you get that stuff so cheap? Well, because all the products are coming directly from China through the Panama Canal That's where you can buy electronics televisions computers toys perfume shoes watches jewelry leather goods. You name it. No value added tax That's Eva's down here or import duties
[09:23] Now I know some of you have been to Asia and you see those big markets in Bangkok, etc Those are pretty much tax free for all too But as for me and I guess most of you listeners out there Asia is not my favorite place And for those of you who are thinking of becoming expats in that part of the world Well, good luck to you. There are some places that are extremely inexpensive, but I have my own personal reservations for one It's very very difficult to learn an Asian language But when it comes to learning Spanish, I've known 70 something people in wheelchairs and walkers who've been able to learn the language Second reason I'm not big on Asia. Well, they've got huge Muslim populations in many of the countries So call me skittish. Call me prejudiced. Call me anything you want. Most people have can I help it up?
[10:11] I feel better when I'm far away from any substantial Muslim population In fact, I've had people mention the Philippines to me as a good Asian expat destination long ago It was conquered by Spain. So Spanish is their second language. Yep. You could get by with Spanish in the Philippines However, they have one huge Muslim insurgent population there A lot of terrorism and jihad stuff going on there that never gets reported on Because the first world press doesn't care about third world news unless there's a very high body count Another reason I'm not big on Asia is because they have many many strategically important cities and ports that very well could end up being Future war zones or pawns in that kind of a game not to mention some of those countries don't get along very well And many of them have nuclear arsenals as for Latin America
[10:57] Nothing's really militarily strategic about the place except for the Panama Canal Which like I said the Chinese sort of run and by the way, another reason I've crossed Panama for my list of good places To become an expat. Oh and not to mention all 20 Latin countries speak the same language Spanish So they've got a lot in common. That means they share the same music and heroes and food, etc Not to mention the reasons 98% Christian their united front there too and their differences Prejudices and gripes against each other are minimal. Hey, that's not to say they haven't had a few wars and revolutions down here only No one's got missiles No one's got nukes and the armies are mostly composed of lazy fat-ass pus-brain slugs Just how you want an army to be? Yes
[11:43] They'd much rather dress up spit polish their shoes march around in a few parades Get drunk and watch soccer games then actually fight anyone or by the way Did I tell you for example the entire Guatemalan army has exactly 15 tanks, but I digress as usual Where were we? Oh, yeah talking about import duties and taxes So you might ask why have all Latin American countries copied the VAT tax which originated in Europe Well, that's because it's a stealthy way to suck vast amounts of tax money from the populace Because studies have shown as a product gets made manufactured assembled Whatever there can be 10 or more manufacturing steps along the way where VAT tax is assessed And those taxes are cumulative the 10 or 15 percent VAT tax
[12:32] You know about is just the last tax in the process It could be that up to 50 percent even more of what you pay for any item anywhere has been sucked away by your Insatiably gluttonous government, but the main reason all Latin countries have adopted the VAT tax is Because Latin Americans like Italians see tax evasion as a national sport even a right Which is why down here most people don't pay personal income taxes and businesses pay little if any corporate tax Even though on paper tax rates may seem high. There are a hundred and one ways around them By the way, Latin countries have no strong arm IRS type enforcers either hmm ain't that a shame?
[13:18] That means you're sort of on your honor when you have to report your income and get taxed on it That's why so many Latin businesses keep two sets of books, which is why throughout Latin America Nearly all houses buildings and properties are registered at the local municipality at a tiny fraction of what they're worth That's why beautiful houses here in Latin America that would easily go for 200,000 to a million bucks in the States often pay no more than a couple of hundred bucks a year in property taxes Which is why when you buy a property down here You can often make a deal with the lawyers involved to cut two checks to the seller One perhaps ten to twenty percent of the real sales price that being reported to the property Registry when the title and ownership are transferred Meanwhile that second check for the remainder of the 80 or 90 percent of the real purchase price
[14:07] Simply lands in the sellers in country or offshore bank account. No questions asked. Yep You gotta love Latin America, huh? By the way, all banks throughout Latin America In fact throughout the world are cracking down on cash transactions within the bank For example in some Latin countries You can't deposit more than a thousand or two thousand dollars in cash at one time even if it's your own account That's right They're now starting to have those know your customer laws here, too And you'll have to explain in some detail where you got that money However, we're talking about cash now when it's checks or wire transfers Electronic so-called digital money all is well and generally no questions asked and you know, I find that a bit strange Why because every one of the 20 Latin American countries has a huge cash space society
[14:56] Just check out any of the big markets or the thousands of little mom-and-pop stores and kiosks along any busy city or street In fact, I bet if you're shopping anywhere in Latin America, you'll run across signs that say cash only no checks I'll bet if a business in the states had a policy in a sign like that They'd get shut down in a way by York Segundo In fact, it's been estimated that 30 to 40 percent of Latin American businesses done in cash So if you're worried about that so-called cashless society that seems to be progressing along rather quickly Well, that's gonna happen up where you live They're pushing for it right now But it just would be impossible to implement down here in Latin America or in any so-called Developing country. So look for it in a first world country near you but forget about it down here
[15:44] Though as mentioned dealing with banks worldwide is getting harder and tougher. That said are you up for a story? Sure You are Well as said in the beginning of the show We're about to illustrate some of the good and the bad in Latin America now Just the other day I was having lunch with another new friend of mine who came down to one of my earlier expat insider seminars and now he And his family are living down here for good and after living more than a year well off the gringo tourist trail He said johnny, you know, i've noticed latin america is certainly a land of extremes Then he said i've met some of the nicest best people i've ever met in my life But i've also met some of the biggest jerks and dickheads. How is that possible? And I said hmm sounds like my old neighborhood back in chicago Now he wasn't complaining or maybe he was which spurred me to tell a little story that happened to me
[16:32] Not even a week ago you long time listeners Know I often stop in at giant central markets where they've got everything and anything fresh as can be Tremendous selections of fruits and vegetables at fantastic prices Plus it's a cool experience and really a trip Because you always run into things that are new and surprising that you haven't seen before which makes the whole experience doubly interesting Anyway, I mentioned in a recent past show that when you go down to one of these big markets You can hire one of these little porter guys for a buck He'll walk through the whole place with you carrying everything you buy And when you're finished bringing it back to your car in the parking lot and even if you want do some price Negotiation for you if your spanish really sucks. Nope These little guys don't speak english But they know how to haggle and they're good at reading your hand signals and the look on your face
[17:20] When you pass something you want to buy Anyway, after about 10 or 15 minutes shopping in the thick of one of the big latin markets I saw from a distance a kind of a cute young latin girl running towards me I thought she was going to run right past but she stopped right in front of me She gave me a kind of an evil look and started poking me in the arm. I'm wondering what the hell's going on Then she looked right over to the little guy that was carrying all my stuff and she said something nasty to him Then I didn't quite hear I thought uh-oh something bad must have gone down between these two Obviously, he was not her favorite person. It seems serious because latins are generally pretty non-confrontational They'll do anything to avoid an argument or a scene Except behind closed doors where latin tempers can really flare without the neighbor seeing
[18:10] Anyway, she started in on this guy and his face turned pale. She was so pissed off I thought she was gonna smack him now Remember these marketplaces have hundreds of people and they're quite loud So I wasn't catching any of what she'd said to him Then she pointed at his pants pocket looked at me and said plenty loud so I could hear it Did you know back there when you walked by? Six bucks fell out of your pocket. He grabbed it and stuffed it in his That was when I figured out what this was all about. She was trying to protect me the gringo Suddenly a small crowd gathered everyone loves a fight Especially when it's a woman laying into a guy not to mention It was of double interest to everyone because I was the only gringo in sight Then she turned to the little guy and demanded pull it out pull it out of your pocket
[18:56] I saw you put it in there and the guy stuck his hand in and sheepishly pulled out six bucks Uttering those famous last words anyone would in that situation. He said I was gonna give it back to him later Remember all this is going down in spanish now So there I was caught kind of speechless which is a first for me then I gathered my wits thanked the girl She stuck her finger once again in the guy's face and said this kind of stuff does not happen here Or something to that effect the guy looked at me tail between his legs and I said kind of sharply All right, come on. Let's go But not before I put my finger in his face and said don't think I don't know what you're up to Anyway, since he had all my bags and a half of them were filled already We went through the market and finished off
[19:42] I gave him the agreed on price which was around a buck and gave him a look signifying I'd never hire him again By the way when i'm in a big market like that I like to hire the guy that looks like he's in most need of the cash And they're all usually very nice. So I tip him too Now I said he because it's not a mixed gender job not yet But someday who knows by the way when you're at one of those huge markets You'd think you'd run into a few beggars or street people. I mean seems like everyone shopping there working there or Delivering stuff there whatever they're at the very bottom Socioeconomic rung of the ladder here in latin america for one thing it's all a 100 cash business No checks accepted no receipts either and in that kind of organized chaos. There are no atms
[20:30] However, speaking of beggars and street people, you know when you're off the gringo tourist trail You rarely see them and when you do somehow they're always stationed at very busy street corners Where a stop light or stop sign or very slow traffic will make you slow up by the way That's where very dark tinted windows come in handy. You know, you can tint them as dark as you want down here Anyway, funny enough You always see the same street performers and the same beggars at the same corners How they work out the pecking order who knows now the good thing is at those corners There are often many more people actually selling little bits of stuff then holding out their hands and begging Then of course, you've got the so-called street acrobats and artists jugglers sword swallowers mimes fire breathers Yep, you got it all and you know, it's those fire breathers that really amaze me man. They work hard for the money
[21:19] They've got the singed hair the dark skin the burns and the chemical stink to prove it So they all got their own shtick. Most of them are actually selling something or doing something which is cool Then, you know, I don't mind giving them some money and the worst of course is someone who just comes up in bags and worse than that is someone who comes up at Begs who has a baby in her arms or a kid or two in tow a person Perfectly capable of doing something. I mean selling pencil erasers or gummy bears or cleaning a windshield Just don't stick your hand out and ask for money because you were stupid enough to have a kid without a scent to your name Or a roof over your head now that always drives me nuts and I never give them anything And sometimes, you know, you had a very long red light and the time is ticking off and they're standing at your window
[22:04] Because they recognize somehow that you're a gringo. Maybe your windows aren't tinted dark enough or whatever We are rare commodities off the tourist trail But when a street person sees one of us, they know we're pretty soft touches Now I have to admit that sometimes I get fed up when one of them is tapping on my window I'll roll it down and say I'd give you some money right now If you just made the effort to sell something to me anything chiclets gummy bears erasers pencils I wouldn't even take it I'll give you the money just for the effort But i'll never give money to anyone who just stands there with their hand out doing nothing and looking sad Unless it's someone with a real bona fide physical handicap now, this might sound insensitive and cruel But I won't give money to anyone who's out there begging and exhibiting their symptoms
[22:51] For example, if a person's got a withered arm or withered leg They'll cut away that pant leg or a short sleeve walk to your car shove it up to the window play the sympathy act and start begging No, not attempting to wash your windshield or sell anything. Just strictly playing off that disability By the way, a lot of disability frauds out there, too Meanwhile, you notice people with much worse handicaps actually doing things and working jobs In fact, there's one juggler with a clown act who has his particular corner once told me he said Once you found a good lucrative spot on a busy corner and can hold that spot down You can make a lot more money than minimum wage in a factory. Plus he says get this you're your own boss Like that. Hey nothing against the guys on those corners will actually do something like that clown
[23:39] He had a pretty cool act, but that's not why i'm bringing this up I'm mentioning it because I saw one of the most unusual beggar acts i've ever seen and this guy was cleaning up Listen to this maybe a half a year ago. Now. I pulled up at a busy intersection and a guy walked up to me He obviously had something wrong with one of his eyes Now this guy had a laminated card of some kind hanging from his neck He grabbed that card and stuck it up against my window. Can you guess what it was? It was a new one on me It was a laminated pharmaceutical prescription from a doctor along with a typed out description of the guy's medical problem Well, I thought poor guy This is a new and creative twist though Then he flipped it around stuck it up to the window again and on the back side
[24:26] There was a laminated receipt from a pharmacy saying exactly how much his medicine costs It was around 25 bucks right then and there I was thinking boy has this guy got a plan He shows you his prescription. He shows you what it costs Shows you his ailment and symptoms all typed up and i'll tell you your first thought is to give the poor guy some dough Now, of course, there's no way to know if that was a real prescription if it was his prescription though, man You have to give the guy an A for effort with that little gimmick The guy was really cleaning up as he went from car to car each one of them dug deep and contributed meanwhile All the other window washers street performers and beggars could see they had some big-time competition on their hands Now i'd never seen that guy at that street corner before but you could certainly see in that neighborhood
[25:14] He'd raised the bar for that kind of work Now i'd say I first saw that particular guy around six months ago And lo and behold just last week in a latin town probably 150 miles away from where I first saw that guy There was a man on a street corner pulling the same trick a different guy, of course Which is the reason why i'm bringing up this story at all. So you could call it capitalism competition survival of the fittest whatever Yes, it seems all that and more exists with all human endeavors in any social economic bracket Someone finds a niche gets creative and sooner or later he's got competition But that's not all I mentioned it to expat eddie and he said oh I saw a guy do that in europe seven or eight years ago In berlin, he said on the conferston dam where all the street performers and clever beggars are hanging out
[26:05] Then we both laughed and blurted out at the very same moment the lag time effect Yep, that little clever variation on begging took seven years to make it down here to latin america And you know, I shouldn't have been surprised. Let that be a lesson to you So there you have it more proof that the lag time effect is alive and well note too That it's part of your gringo advantage, by the way Would it surprise you to know that beggars street urchins and shoeshine boys all have cell phones? Okay, we're getting towards the end of the show now and i'd be remiss if I didn't mention i've got a couple of spots left From my january 2017 expat insider seminar So if you want to get in on what some past attendees are calling the most eye-opening trip of their lives Go to www.thenewexpect.com click on johnny's 2017
[26:53] seminar link for full details and while you're there Don't forget to check out those great john gulp pre and post seminar trips, too When you come down to the seminar, it's a way to make the most of your boots on the ground experience Oh, and by the way, i'd like to mention once again If you arrange to have a phone or a skype consult with me And yes, I do charge a fee when I help you with your own personal plan B Anyway, if you come down to the seminar i'll refund that money in cash And finally don't forget to check out my youtube channel Closing in on a hundred shows up there now Just put the expat files in the search box and you're there and don't forget to subscribe. It's free south of the border This is the expat files living in latin america If you want me to help you out with your own plan B
[27:40] Just schedule a one-on-one consult send me an email the expat files at gmail.com And if you want to learn how to move forward with your own plan B from right up there in the states go to www.expatplanb.com and check out my three videos. See ya nos vemos