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The Expat Files Podcast

#470 – The Expat Files: Gringo Advantage, Privacy, and Legal Precautions in Latin America

Show #470 · June 21, 2015

Johnny Mueller discusses expat strategies for privacy, legal protection, and navigating the complexities of life in Latin America.

Episode Summary

In this episode of The Expat Files, Johnny Mueller explores the 'gringo advantage' for expats living in Latin America. He emphasizes that expats can enjoy a level of anonymity and privacy that is often lacking in the United States due to extensive surveillance and data collection. Johnny advises expats to take advantage of this by using strategies such as setting up SA corporations, keeping their personal information discreet, and avoiding unnecessary exposure to databases. He also highlights the importance of using fake or fictitious identities, such as international driver's licenses, and maintaining separate phone numbers for personal and confidential information. While some of these practices may be considered illegal in the United States, they are generally accepted in Latin America due to the lack of strict data protection laws.

In another segment, Johnny discusses practical advice for expats living in Latin America, focusing on financial privacy and the importance of building long-term relationships with local lawyers. He highlights the risks of linking personal bank accounts or credit cards to utility services, suggesting instead that expats pay directly through banks or utility companies to avoid data sharing. He also emphasizes the value of working with a single lawyer for various legal and administrative tasks, such as residency, licenses, and business setup, noting that lawyers in Latin America are often more affordable and willing to assist expats for free if they become regular clients. Johnny warns against the 'backpacker mentality' of switching lawyers for minor savings, arguing that loyalty and long-term relationships with legal professionals are more beneficial.

In another segment, Johnny discusses the challenges expats, particularly gringos, face in Latin America, emphasizing the importance of legal and practical precautions. He highlights the need for expats to maintain a low profile, use prepaid phones with sim cards, and avoid revealing personal information. He also touches on the legal implications of such actions, noting that in the third world, these practices are common. Additionally, he provides an anecdote about the Costa Rican president's involvement in a drug smuggling plane and the subsequent disappearance of the drug smuggler, illustrating the complexities and dangers of the region.

In another segment, Johnny discusses the intersection of drug trafficking, media, and political corruption in Latin America, particularly in Mexico. He highlights how drug cartels use television networks as a cover for their operations, citing the case of Televisa, the second-largest Mexican television network, which was found smuggling drugs and cash across borders. He also notes the lack of transparency in the U.S. regarding its involvement in the drug trade, contrasting it with the detailed coverage in Latin American media. The segment ends with a discussion on the rise of Bitcoin in countries like Venezuela and Argentina as a response to economic instability.

Finally, Johnny addresses an email from a listener named Joe, who expresses concerns about the cost of seminars for retirees and the challenges of convincing his wife to move to Latin America. Johnny responds by emphasizing that while some areas in Latin America may not meet first-world standards, many upscale areas do, and that the seminar is valuable for both new and retired expats to avoid costly mistakes. He also promotes his upcoming seminar and encourages listeners to visit his website for more information.

Topics

Gringo Advantage, Privacy and Anonymity, Data Protection, Expatriate Life in Latin America, Financial privacy for expats, Legal advice for expats in Latin America, Building long-term relationships with local professionals, Avoiding common expat mistakes, Expats in Latin America, Legal and practical precautions for expats, Anonymity and privacy in Latin America, Drug smuggling in Costa Rica

Chapters

00:00:00 Opening
00:00:32 Introduction to the Gringo Advantage
00:01:08 Starting Over with a Clean Slate
00:02:27 Strategies for Staying Under the Radar
00:05:53 Introduction to the topic of financial privacy for expats
00:06:06 The importance of avoiding automatic deductions for expats
00:06:52 The value of a long-term relationship with a lawyer
00:10:12 Why it's not worth switching lawyers for minor savings
00:11:30 Introduction to Challenges Faced by Gringos in Latin America
00:12:04 Importance of Legal and Practical Precautions for Expats
00:12:52 Recommendations for Maintaining Anonymity and Privacy
00:15:29 Anecdote About the Costa Rican President and Drug Smuggling
00:17:14 Discovery of Cocaine-Laden Plane in Celebrity's Parents' Visit Area
00:17:34 Televisa and Drug Smuggling in Latin America
00:18:10 The Rise of 'Narco Televisa' and Its Implications
00:19:14 Mapping Drug Cartel Territories in Mexico
00:20:52 U.S. Drug Trade and Media Whitewashing
00:22:38 Bitcoin Adoption in Venezuela Amid Economic Collapse
00:23:20 Bitcoin Usage in Venezuela Due to Currency Restrictions
00:24:28 Addressing Concerns About Seminar Costs and Spousal Approval
00:26:34 Value of the Expat Wisdom Seminar for Avoiding Mistakes

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, I'm always talking about the gringo advantage I think I even invented that term and when you're out and about down here in Latin America You'll find that it's in full effect Especially off the gringo tourist trail every single day and I like to point out situations where it's very obvious

[00:48] For example an incident that happened to me just yesterday Now first of all, let me preface this by saying that if you do come down to Latin America You may not want to cut all your first world ties But if you're like me and most every other expat you'll find you've been given a huge gift that you never really counted on That's if you take advantage of it and play your cards, right? Which is you're basically starting out in the Latin country of your choice with a completely clean slate You're on nobody's list except the one at the airport when immigration checked you in. That's it So now you have a second chance to have a very very small footprint And I mentioned this because now for once and probably the only time in your life You'll be able to regain some of that anonymity that privacy of yours that went down the tubes after 9-11 with all that hideous

[01:37] Big brother legislation that was passed which means when you get down here all of a sudden You'll find you're not on anyone's radar unless you choose to be and why would you do that? Well, that's because gringos are so conditioned to giving out their stats and debts to any official looking Pinhead who asks what I'm saying is don't make the mistakes a lot of gringos do when they come down and they get right back On that radar again. In fact, I can't tell you how many gringo expats I run into who regret some of the things they did when they first got down once again Just like in the US they got on all kinds of personal government and corporate databases Now, of course, this is the third world and most of those databases are chaotic jumbled incomplete and pretty much disconnected from each other For now, anyway, but down the road, they're bound to organize tighten up and interconnect

[02:27] Which is why all smart expats do things like open up SA corporations and trust own real estate businesses Cars and other things in SA corporations too not to mention they keep their homes and offices toned down and discreet They don't put a happy welcoming plaque on the front door with the address Nor do they have a quaint fake coat of arms saying welcome to the Jones residence No big SUVs with baby on board signs either that would be well stupid So what other things do smart expats do to stay under the radar? They open bank accounts in SA corporations They put their internet service in their corporate name their lawyer gets it in his name or his SA corporation They use an IP changer or IP tunnel They give their lawyers address or appeal box at another location as their mailing address

[03:17] They don't get on those idiot social sites like Facebook or wassup or Twitter And if they do it, they sign up with a fictitious name and they never post their own pictures Like I said on last week's show Smart expats are always prepared when someone requests your debts to give out a little disinformation You might even carry an alternate ID on you like for example a Cleveland library card Which will get you into most secure guarded office buildings instead of using your own real ID Why should you get out anybody's database if you don't have to now just like in the US? Businesses here want to get data on their customers to target them for promotions and sell them more crap later Which is why now down here so many retail establishments asked you for your name and your email address either

[04:05] Don't do it or use disinformation just whip out that Cleveland library card or expat Eddie's favorite and International drivers license, you know, you can get those on the internet. They're not legally issued by any state or country So you can put anything you want on them. So is that illegal? How can it be? It's not authorized or issued by any state or country Like I said, so then you might ask is it illegal to give people false information like that Well, as long as you don't fake it with the government or an official document like a deed or a bank loan, who cares? Why should you give some idiot rent a cop in a guard shack your real ID? Anyway expats have found a very good way to stay under the radar and be as anonymous as you can is to change your phone Number once in a while that involves getting a new sim chip for your phone

[04:53] I know for certain people that can be inconvenient. Some people want to keep the same phone number for years and years and years I think my mother still has the same one from 1960. It's alright If you keep one phone number for very general stuff But what about personal and very confidential stuff? Well expats that I know almost all of them have two phones one for the general stuff and one for the classified Personal stuff the stuff they don't want to share with snoopers So maybe they've got a contract telephone service that includes TV internet, etc That phone can be the general purpose phone And of course, like I said, you should try not to sign up for that in your own name use an essay corp or your Lawyers essay corp or he just might sign up for you as your proxy. That's what Latin lawyers are for

[05:38] Remember, they provide a lot of services. You've never even heard of again. Is that illegal? Of course not Well, maybe in the States almost everything's legal up there now, right? But down here in a word This is the third world, you know So anyway, a lot of expats I know have a contract telephone service and almost always when you sign up for one of those services They'll want to hook it up to a visa or a master card or a bank account so they can deduct the bill from your account Every month though as convenient as that sounds many expats have come to realize it's better Not to link any account with a bank or credit card instead opt out of the bank or credit card deduction thing and pay your Bill right at the phone company or in fact any bank in Latin America Now you can go to any bank and pay any utility bill including phone bills again

[06:27] It's all about keeping a small footprint Keeping under the radar and not linking your personal life bank account and credit cards because you know even down here in Latin America banks and utilities and credit card companies will sell your data and Disseminate it as they see fit. Are you gonna read three pages of terms and conditions in Spanish? I doubt it I never do though. It's not as bad as the first world. There is that lag time effect, you know That said I repeat with that second lease on your private life you get when you come down to the third world Don't start out on the wrong foot Try to avoid getting your name and your dad's and all those databases. Here's a few more tips So anyway, I was saying you'll probably sign up for a contract service And I just told you the best ways to do that And by the way, if you approach your lawyer on that one and say hey

[07:15] Can you give me a contract internet account or a contract phone line in your name? Not mine if he seems a bit hesitant at first or doesn't know what you're talking about That would probably only be because you just might be his only gringo client and no one's ever asked him to do that before however, if your lawyer has a few gringo clients He'll know what you're talking about and surprise surprise often your lawyer will do these little things for you for nothing That's why I always say you have to develop a long-term relationship with your lawyer and on that note I just had a discussion recently with one of my new expat lady friends She came to one of our seminars and now she's living down here in Latin America, too We were on the subject of lawyers as expats often are I was mentioning the mistakes that so many expat gringos make when dealing

[08:06] With lawyers including some of the mistakes. I made the first few years. I was down I was talking about what I call the backpacker mentality I'll get to that in a second But first I have to mention a lot of gringos and expats come down with a built-in Antagonism for lawyers because they've been screwed so many times by him up in the states You know lawyers up north get a couple hundred bucks an hour and if you phone one up You're on the clock and being charged by the minute even if you never get to speak to the shyster himself You're getting charged even if you talk to his secretary or his paralegal now down here There's none of that a lawyer making 200 bucks a day is doing well I'm talking off the gringo tourist trail, of course here They still run their offices like lawyers ran them back in the 60s and 70s in the states

[08:54] So anyway when I'm talking about that backpacker mentality For example, and this is a real case a fresh new gringo will come down and settle in some Latin American country Soon enough he finds he needs a lawyer to help him figure out the paperwork to sign an apartment lease Okay, then some months later. He decides he's gonna go for a temporary residency Only now he's been there a while and he's been hanging at some expat bars and meeting other gringos And he's talking about such things residency, etc And he finds out from another gringo somewhere that residencies can be obtained through another lawyer cheaper So he goes to that second lawyer and gets his residency started then a couple months later His u.s. Driver's license expires and he needs to get another well, he's not going back to the states So he'll need a latin license. He finds out again by hook and crook by talking to other gringos at expat bars, etc

[09:45] There's a lawyer who's got an office next to the municipality By the central park and if you go to him, he could do the whole thing in a half a day for 45 bucks So our happy backpacker goes down pays the guy 45 gets his license Now the thing is once you've found a lawyer that's doing good by you And you see he's honest and upfront. You should not switch horses in midstream Fact is if your lawyer gets things done, even if he's slow as a snail by your standards It's almost never worth it to change and know this lawyers down here are so damn cheap compared to their first world counterparts It's not even worth shopping around to save a few bucks And the fact is as you have your lawyer do various things for you You know the usual drill help you get your driver's license bank account car insurance health insurance

[10:32] Write up an apartment contract hook you up with cell phone cable and internet service your sa corporation purchasing a car mail forwarding and whatever translations you might need too and of course residency not to mention if you start a business He'll be invaluable there, too Yep, your lawyer and his office will help you with all those things. Of course, it won't be him handling it all He'll have a girl friday that you'll get to know quite well when going through all these steps So in the end he's not just going to be like a flash of light in and out of your life What you're doing is building up loyalty confidence and friendship with that guy. I guarantee in time He'll be more than your lawyer For example, if you're out late at night and get in a car accident or you get in a jam or your car breaks down There's no better first call to make than to that lawyer

[11:20] And if you've been spreading your legal work around with various different lawyers None of them will really have too much loyalty to you and they might not even pick up the phone Now i'm sure you've heard of a lot of those crazy mixups that gringos get themselves into down here in latin america Especially if they don't speak any spanish You know gringos who occasionally push the envelope and like to party not that that's ever gonna happen to you, right? I mean, let's face it They've made a lot of movies about gringos and foreign lands that have gotten themselves into trouble So I ask you when down in nicaragua Who are you gonna call at one in the morning when your car falls into a volkswagen sized pothole? Who are you gonna call ghostbusters? I don't think they have a franchise down there I'll tell you who you're gonna call your lawyer and your insurance company. Probably your lawyer first

[12:09] So my recommendation if your lawyer down here is doing a job for you Even if he seems like he's doing it at a snail's pace That's normal. I know this is latin america, but things will get done So have your insurance company your bookie and your lawyer on speed dial Speaking of speed dial now, that's a dinosaur term. I mean everything's speed dial these days, right? Anyway, like I said, you'll probably have a contract telephone service. Hopefully not in your name But unfortunately many gringos and expats who've never heard this show don't know they can do it any other way Which is why so many new expat gringo start out with a bigger footprint than necessary So what to do next? Well, I always recommend getting a cheap throw away phone or an inexpensive smartphone and buying one of those sim chips on the prepaid plan

[13:01] You know where you pay as you go. You'll load up with minutes at gas stations and tiendas. They're everywhere You'll know they sell time because the phone company logos are plastered all over the walls So then you buy the phone and it comes with the chip Or if you have a new phone you can just buy the chip now sim chips down here in latin america are around Five or six bucks and they throw in a bonus of about a hundred free minutes Now this is going to be the phone you use for secure conversations and private stuff remember But when you go in to buy one of those phones or get one of those new sim chips You'll be defeating the anonymity and the privacy aspects if you pull out your passport or driver's license and hand it over when you buy it Now you have to know that all throughout latin america recently all countries have passed laws stating

[13:46] That you have to show your national id or passport to buy any phone prepaid or not Now if you go to a bona fide telephone office in down here in latin america There are five or six main telephone companies one being the landline company and the rest being cell phone companies And the names well, you've got mobistar tigo clado and a few others Anyway, if you go into one of their real bona fide offices You'll have to pull out your passport or a national id card no exceptions However, and here's the amazing part. They also sell phones and sim chips at thousands of little private kiosks And if a latin person buys a phone or sim card at an independent kiosk They'll have to pull out their national id however If a gringo shows up and tries to buy one or the other you can pull out your passport when they ask for it

[14:34] Or you can tell them you don't have it on you. It's at home. It's at the hotel Or you could say I don't have my passport with me, but I know my passport number or more often than not They'll see you or a gringo and they won't even ask you for anything They'll just give it the sim card or the phone and when they're doing the paperwork and stumbling over your name Not speaking english, of course more often than not they'll hand you the paper and ask you to fill it in And where it says name passport number or id number Give it your best guess or put someone's name down who's truly despicable, you know, obama hilary bush dick cheney In fact, you know since I heard expat eddie bring this up some months ago in el solvador Hillary has hundreds of phones registered in her name. By the way, I heard to get even with bill

[15:20] She's seeing kaitlyn jenner these days just a rumor So anyway, I started out today by saying that the gringo advantage is alive and well because just yesterday I bought two such chips at one of those little kiosks and I was asked for no id Nor did I have to sign a thing? So why was I buying sim chips? Well, I believe like underwear Sim chips and phone numbers should be changed frequently and for the average gringo or gringo Who'd like to maintain a small footprint and a low profile? I'd say change sim chips about every six months and slightly more frequently your underwear Again, the question is is this illegal? Come on. This is the third world we're talking about And now for the latest in drug smuggling news

[16:07] Now I don't know if you listeners know this or not, but when hugo shaves died Everybody I think but the us sent a representative to his funeral Now what you didn't know was that the president of costa rica was caught flying to hugo Chavez's funeral in a plane used for drug smuggling that was owned by the second biggest drug smuggler in world history Gee, how'd that happen? Well, it was all over the costa rica newspapers, but i'm sure you didn't see it So the second biggest drug smuggler in the world a columbian lent this plane to the costa rica president. She has no questions, of course Anyway soon enough this drug smuggler was captured and extradited to the us for trial And again, the dea said he was the biggest drug lord since pablo escobar

[16:53] So he pleaded guilty in the us got convicted and now no one and I mean no one Not even the best journalist can find out where this guy is what his sentence is and what prison he's in if any He just kind of slid off the map And in other costa rican drug news You might have heard that perris hilton owns a mega ranch in costa rica And while her parents were visiting there was a plane discovered on that land loaded with large amounts of cocaine Way too much for personal use if you know what I mean even for celebrities and jet setters and how that story play out Well, it just kind of faded away How about that and in more drug news for you telly novella lovers out there Otherwise known as soap operas in the states guess who was caught red-handed smuggling drugs through the corridor of costa rica

[17:41] Nicaragua guadamal in mexico the second largest television network service in mexico surprise surprise It's called televisa. Check it out. It would be the latin equivalent of nbc abc or even tnt You with me so far and here's how it worked Anyway, the second largest mexican television network has mobile tv units and vans all throughout latin america You know picking up on the evening news and all that and of course filming those shit for brains Telly novellas. Anyway in mexico. They're now calling that station narco televisa What happened was this there were three television mobile vans caught crossing latin borders with get this 9 million dollars in cash and a heavy load of cocaine in hidden compartments

[18:28] Now the thing is you see down here in latin america latin society is absolutely enamored with anything that has to do with Television or telly novellas So what a great cover they had, huh? Because of the so-called glamour and fame associated with a television network like that normally border guards would suck up to them and just Wave them right through So who knows how long this has been going on? 10 20 years even until this little slip-up tv vans like that were practically immune from being searched So those are the kind of people that are involved in the drug trade celebrities politicians and high-end businesses In fact in mexico, they say you can't tell the drug dealers from the cops or the politicians. Come on We knew that and here's something that's really weird

[19:14] If you pick up any big mexican newspaper or guadamalan or nicaraguan panama costa rica Whatever at least once every week or two You'll see a map of mexico drawn with areas shaded in where the top five drug cartels are operating Kind of like states within states So if you're interested from week to week and month to month You can see which gangs are gaining presence and which ones are losing and by the way, here are the top five There's the zetas the sinaloa's The knight's templar the gulf cartel and the mata zetas And that last one mata zetas really makes me laugh because what it means is kill the zetas And besides running drugs, that's what they do. They kill the zetas and vice versa

[19:59] Yeah, so you can kind of get the idea that these guys don't like each other Anyway, like I said every week in the paper You can see the map of mexico and where the cartels are how their territories are expanding and contracting and all that Now, of course, the u.s. Is the number one drug consuming country by far, right? And once those drugs get shipped into the states by those five mexican cartels All those massive movements of money and drugs have to be organized and arranged, right? But the funny thing is you never pick up a us paper and see the us mapped out into regions Controlled by drug lords and drug operations like zetas sinaloa's or mata zetas So what's the point? Well, somehow all the us illegal drug delivery systems are seemingly

[20:47] Whitewashed in the press because they just never show up. So who's in charge and what areas do they cover? Well, you can pretend that the u.s. Government and the cia and politicians like the clintons are not involved in the u.s Drug trade just like we can pretend that the u.s Dollar is real money. The unemployment rate is six point one percent. Tom cruise and john Travolta are not gay vaccines and geomos are good for you and obama care really cares So then who do you think runs the wholesale cocaine business in the usa? Unlike newspapers in mexico You won't see names of cartels shaded in on maps of the us So then who's running the show the sociopaths at the cia or some sociopathic colombian drug lord your choice At least in mexico. It's private enterprise

[21:35] Oh, and by the way, if you still think the americans are the good guys Did you know that a c-130 heavy cargo transport plane was found at the mexico city airport? So then what's strange about that? Well Inside was a hundred million dollars in cash and one billion dollars in cocaine And guess who it belonged to? It was registered to the us forestry service and guess what never reported missing Bet you didn't read about that one in the chicago tribune or the cleveland plane dealer So then with all the other horrible crap going down in the us the economy obama care tsa gmo's vaccinations, you name it Well, as far as the drug business who's got the upper hand the cia or the zetas or maybe it's phyzer and novartis

[22:23] That said how about lat Americans in bitcoin? Well, we know countries with failing economies like argentina are very big on bitcoin They've got the second biggest bitcoin exchange behind brazil whose economy is also taking a dive these days Did you know that the use of bitcoin in venezuela has more than doubled since 2014? Some analysts are predicting bitcoin adoption in venezuela will explode beyond anyone's imagination in the next few months And as it turns out there seems to be a firm and solid rule developing around bitcoin Which is the more a formerly stable economy crashes and burns the more interest in and use of bitcoin In fact all the bitcoin references on social media in venezuela have the tag that says in spanish

[23:12] Protect yourself from inflation use bitcoin and then it gives the internet address that shows people in businesses how to get on board Another reason bitcoin's on the move in venezuela is that in order to travel abroad or shop online You're only allowed to take 300 per year that's per year But since so many online sites are taking bitcoin like ebay, venezuelans can legally bypass that law Now an email starts out. Hi johnny Please send me that free ebook fast spanish if i'm not too late I was also wondering if you had a book coming out listing information such as contacts Places you recommend all your sources of info, etc. I would be happy to buy your book

[23:58] Also, maybe attend a less expensive seminar in the future I don't see how retirees trying to save money can spend a few thousand bucks Attending a seminar in latin america not that it's not worth it. I'm sure it is but seems for a lot of us It's just not feasible. You're a very smart person to listen to and I really enjoy it Sometimes though i'm not sure I could convince my wife of the poor hygiene and other downsides of living in latin america Thanks for everything joe Okay, joe First let's talk about the poor hygiene issue in latin america Well, you know, you're a first world person joe and in your own house You keep up those first world standards and you will in the house or apartment you live in down here, too And in latin america all upscale sections of town upscale malls, etc

[24:45] Have first world standards, too If you come down here, you'll see what I mean There are lots and lots of places in every city in latin america that are absolutely first world In fact, you wouldn't know them from the nicer places in seattle or cleveland If it wasn't for the fact that people are generally shorter tanner happier And everything's in spanish and joe as far as what you say about convincing your wife That seems to be a universal problem convincing your better half that you better get the hell out of the us It almost always turns out if you're not both on the same page It's just not going to happen no matter how much you want to go and how great you build up your case If she or he depending on the case doesn't want to go you got trouble in river city Now joe as far as the seminar cost you point out that retired folks probably can't afford it and it's true

[25:30] If they've got no savings and are just on social security, that's probably true However, most of my listeners are not retired yet And a good percentage of them that are retired have savings and or have a combination of social security and a pension The fact is this seminar is for everyone. Why because i'm always seeing new fresh expats Making typical clueless gringo mistakes in selecting their location housing lawyers Insurance health care transportation, etc Many of them cultivate friendships with questionable people just because they speak english That's all you need is to have a conman get his hooks into you gringo or latin And you know i'm considered slightly above average by most people and kind of frugal And I still made all those stupid mistakes in my early years down here

[26:19] I figure in the first five years or so I threw away 50 grand in stupid deals and purchases and bad advice bad lawyers, etc So the value of my expat wisdom seminar is that I can guarantee new expats will save tens of thousands of dollars and avoid Those countless stupid mistakes and errors that so many fresh gringos make and through the many good contacts you'll meet I can alleviate a lot of relocation stress and who can put a price on that Now that's not to say you won't make some mistakes along the way no matter how much you know or how much time you spend With boots on the ground making mistakes. That's the human condition. It's just that when you come to the seminar You'll find you can truly avoid some of the whoppers That said we're about three weeks away from my july 2015 expat wisdom seminar

[27:06] Just go to expat wisdom.com click on the seminar link and check it out Have no fear will hold your hand the whole way last seminar an 85 year old lady came down And guess what? She wants to come down again. That means she'll be a repeat offender In fact, i've had a number of people take the seminar twice three even four times I'd say that was a pretty good endorsement. Wouldn't you? South of the border You've been listening to the expat files living in latin america coming to you twice a week from somewhere south of the border Email me the expat files at gmail.com And don't forget to check out expat wisdom.com to sign up for your free reports on latin america

[27:53] See you next time nos vemos Ah

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