Episode Summary
In this episode of The Expat Files, Johnny Mueller dives into the complexities of living in Latin America, from the dangers of loan sharks in local markets to the chaotic yet vibrant environment of street markets. He shares personal experiences, discusses the economic realities of vendors, and touches on the challenges of content theft and spam on his website. Johnny also explores potential business opportunities, including pawn shops and online marketplaces, and offers insights for expats navigating the region.
Johnny begins by discussing the issue of loan sharks in local markets, where they operate in a clandestine manner. He shares a personal anecdote about observing a loan shark and an indigenous woman who sells various items in the market. The woman explains the high interest rates and the dynamics of lending to women versus men. Johnny also touches on the broader issue of content theft and spam on his website, leading to the decision to password protect his shows to maintain quality and exclusivity for his audience.
The segment then describes the chaotic and densely packed environment of large markets in a developing region, where vendors live and work in makeshift kiosks. These markets are often located in poor neighborhoods and are characterized by a lack of public facilities, with people using makeshift restrooms and paying for showers. The markets are self-policing with a low crime rate, but they are not safe for outsiders due to the risk of theft and scams. The segment also touches on the economic conditions of the vendors, who often live in poverty and pay rent for their stalls, with the exact ownership of the market spaces being unclear.
Johnny also discusses the chaotic and often dangerous environment of large Latin American markets, emphasizing the importance of driving and avoiding chicken buses. He highlights the presence of secure parking lots and the risk of car damage, noting that even though parking is relatively safe, the surrounding area can be risky. Johnny describes the phenomenon of wealthy families maintaining appearances by using these markets, often with bodyguards and high-end vehicles, while shopping incognito. He mentions the lack of taxes and the use of local currency in these markets, which makes them attractive for expats. Additionally, he touches on the loan shark business, suggesting that a pawn shop or loan shark business could be profitable in Latin America due to the lack of regulations and high interest rates. Johnny concludes by advising against setting up shop in the same territory as existing loan sharks and suggests that learning Spanish is essential for such a business.
In this segment, Johnny Mueller discusses the challenges and opportunities of running a pawn shop, particularly for expats. He emphasizes that being married to a business like a pawn shop requires constant presence and involvement, as neglect can lead to losing control. He suggests that pawn shops can be profitable, especially in Latin America, due to the niche market and the presence of valuable items that locals often overlook. Johnny also outlines strategies for acquiring inventory, such as attending rummage sales and yard sales, and highlights the potential for profit through the sale of gold, silver, and antiques. He notes that many Latin Americans lack the knowledge or resources to determine the value of items they sell, making it an opportunity for those with the right skills and connections.
Finally, Johnny Mueller discusses the state of internet access and smartphone usage in Latin America, highlighting that while many households have 24/7 internet, the average person cannot afford high-speed internet on their smartphones. He suggests that creating an online marketplace for antiques and collectibles could be a low-cost startup business for expats. He also mentions an upcoming expat wisdom tour in Europe and invites listeners to sign up for more information.
Topics
Living in Latin America, Expat experiences, Loan sharks in Latin America, Content theft and spam, Password protection for content, Market environment, Economic conditions of vendors, Public facilities in markets, Safety and crime in markets, Ownership and management of markets, Safety in Latin American markets, Expatriate experiences in Latin America
Chapters
00:00:00 Opening 00:00:33 Technical Information and Show Details 00:01:23 Content Theft and Spam on the Website 00:03:11 Loan Sharks in Latin American Markets 00:07:08 Where Do People Relieve Themselves in the Markets? 00:08:03 Why Do People in the Markets Avoid Public Restrooms? 00:10:31 The Role of Loan Sharks in Market Life 00:11:59 Driving and Safety in Markets 00:12:00 Avoiding Chicken Buses 00:12:02 Secure Parking Lots 00:12:08 Cost of Parking 00:12:13 Risks of Parking 00:12:19 People Leaning on Cars 00:12:21 Importance of Nondescript Cars 00:12:28 Older Cars for Safety 00:17:45 The Commitment of Running a Pawn Shop 00:18:38 A Viable Business Idea for Expats 00:23:18 Internet Access in Latin America 00:23:53 Smartphone Usage and Affordability 00:24:49 Startup Business Ideas for Expats 00:26:21 Expat Wisdom Tour in Europe
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 First a little technical information before we start now as you probably figured out I usually record my shows a few days before their broadcast here on PRN and when I'm really buzzing around Latin America Sometimes I record my week two weeks even a month before they go out
[00:48] But no matter when they're recorded they usually end up on WWW expat wisdom calm that's expat wisdom calm a few days before they go out on PRN And note if you get the shows from expat wisdom calm They're a bigger file and in high fidelity if that means anything to you And by the way for those of you who pick up the show on podbean calm or stitcher or other places They're generally the last ones to get the show usually a day or two later than PRN and from the numbers at the expat Wisdom calm website. It looks like quite a few of you go there to get the shows early I guess a lot of people want to tune in early to see what kind of crap expat Eddie stepped into this time Anyway recently at the expat wisdom calm website It looks like we've been bombarded with a high level of downloads from IP addresses from who knows the Russians the Chinese the alphabet
[01:39] Agencies not to mention the usual suspects the mass spammers You know the ones that come from Nigeria and now China that start out saying hello dearest one And also it looks like expat wisdom has been getting raided by get this other expat sites that are stealing my content And you know it burns me up when other people take credit for my expat Eddie stories And it burns him up too now that he's kind of infamous you know anyway all that along with the spam Seems to be killing our servers plus We really want to share the info with you guys and gals out there who we know are really serious about it So that said from now on we're gonna need to password protect the shows on the expat wisdom comm site So just go there and sign up on the home page, and we'll send you an email immediately and give you a password
[02:31] All 100% free of course I know it's one more step and all that but we got to clear out the Russkies and the Chinese and the alphabet Agency guys and the spammers etc and those Nigerian and Chinese guys who think my first name is darling or honey or dearest loved one God, I've been called a lot of things, but never dearest loved one You know I just got to cut those morons off or the website will grind to a halt So if you want access to my shows a couple days early again Just sign up on the home page of expat wisdom calm And we'll send you an email immediately after we upload it with the password. Okay. We got that settled right all right Let's get on with the show my dearest loved ones now a couple of shows ago I was talking about latin american loan sharks wasn't I never did finish that I mentioned that when you're in any big latin american
[03:23] Food and produce market whether you know it or not They'll always be a loan shark or two who set up shop and doing business nearby in a sort of clandestine kind of way So that day when I was kind of standing back and watching the loan shark doing his thing I managed to ask one of the indigenous ladies who was set up shop about 30 feet away Who'd been there for ages selling her own stuff? toothpaste and razor blades and pirate CDs and plastic pans etc Anyway, she told me the average amount a person will borrow is between five and twenty bucks at an interest rate of 1% a day a slick 30% a month or 365% a year not bad mega returns if you can get them now since she's been around a long time
[04:09] Selling in the market some 20 years. She said she's seen a lot of loan sharks come and go and this particular guy She says only loans out for 30 days max then at the end of 30 days Of course you can spin it again and pay the vig which will be 30% of what you borrowed in the first place Then you'll get another 30 days now from the looks of it. It seems he only extends credit to women After all I saw for myself a dozen or so ladies in the line and not one guy when I asked the lady Why no men she said most men who borrow money just go to the cantina and start drinking She said if she had a prestimos business prestimos meaning loan in English She wouldn't lend to men either and she said that with a straight face while she was looking directly at a guy in her
[04:57] Booth that I'm pretty sure was her husband and he just flashed me a crooked smile and gave me a mouthful of very badly done gold teeth Which I'm sure his wife paid for now I mentioned earlier that indigenous people like their gold teeth. These are not gangsters These are common hard-working class people who happen to like gold teeth now remember down here in Latin America The gold tooth fad has been around a couple of hundred years. Nope The trend was not invented by guys like Cooley Owen Snoop Dogg now note We're talking about the poor and lower middle classes here. Then she told me something that didn't surprise me She said if a guy walks up and tries to get a loan more often than not he'll get turned down or The loan shark will up the vig in charge him a percent and a half a day or two percent
[05:44] So as you might figure they go behind the guys back and get their wife or girlfriend or some lady whose arm They twisted to take the loan out for them at the usual rate for ladies, which is 1% a day Now don't think the loan shark is unaware of what's happening He'll make that loan to the lady even though he knows it's for her deadbeat guy because he knows no matter what She'll get the money. She'll work double time She'll work her ass off And that's the way the cookie crumbles in the cash short poor and lower middle classes and believe it or not A lot of the ladies that work these stalls and sell stuff in these big markets They actually sleep there at night. It's kind of their home The usual setup is they've got a makeshift wooden kiosk set up on one of the side streets or avenues
[06:29] Most of those avenues way too small for a car to fit through But that doesn't stop cars from trying. Sometimes they get wedged in for hours It really is like a bee colony organized chaos people hauling produce Etc in hand trucks and wheelbarrows on their backs and on their heads, too Often with a kid or two in tow and a baby in a papoose So if you're gonna shop there, it will be mighty close quarters And you'll literally be rubbing elbows with dozens of people as well as certain animals like chickens and goats, etc And you gotta wonder with thousands of people walking around in hundreds of stalls and plenty of live animals to the $60,000 question is where do these people relieve themselves? Well, I know where the animals in most low-class guys do it anywhere
[07:17] And your nose will verify that and the ladies. Well, I just don't know they seem to keep that a well-guarded secret Although every once in a while as you're walking, you'll see a sign that says public bathrooms There'll be a lady standing at the door and you'll have to hand her something like a dime and she'll give you about a foot And a half a toilet paper if you're lucky then you're in but believe me You don't want to go in that place unless it's an absolute emergency. I won't paint any pictures for you Now I've often wondered with so few of these public bathrooms And you know, they're not really public if you have to pay a dime, right? And with all those thousands of people in and out of that market Why is there almost never a line at one of those restrooms? Well, I think it's because it costs a dime or so and most of the people in the market are
[08:03] Scratching out in existence living on the edge and really need to save every nickel I mean peso so again, you might ask where does everyone do their duty? Well, that's the sixty thousand dollar question now, isn't it? Oh and another thing if you're in one of these big markets occasionally, you'll see a sign that says duches itinas which means showers and baths And there there will be another door and another lady collecting maybe 10 or 20 cents And you could go have yourself a nice shower or a bath. Did I say nice? Sorry, it just slipped out It's another something you never want to do believe me Now i'd never use one though. I did sneak a peek once There are about 10 times as scruffy as one of those military camp showers that they set up in the field
[08:51] You know like in a mass unit where you pull the rope and a bucket of water comes down over your head Which wouldn't be so bad if you had privacy and clean water, but there's no guarantee of either But I digress as usual So anyway, when you go to one of these big markets They've got all these people set up in their little kiosk hundreds of them And there's a main drag with hundreds of people mulling through along with terribly beat up cars and overloaded Rusted out pickup trucks and the occasional chicken bus too Picture a very overpopulated state fair carnival midway on steroids That's kind of what it's like now Like I said people are set up in their own little makeshift kiosks Most of the people as it turns out have assigned spots and have been there for years
[09:38] Yes, they do pay rent on those spots, too Each spot being no bigger than your average carnival shooting gallery, you know where you're when the cupid all And you know a great many of these kiosks have an upstairs. That's the house. That's the sleeping quarters of the owner What's the rent you might ask? Well, I understand it's between 20 and 40 bucks a month for a small kiosk like that depending on the location in the market Now who you actually pay is some guy that comes around once a month And who actually owns that entire market space who collects the rent? Nobody seems to know some say it's government property other people say it's owned by a corrupt politician same thing Others say it's owned by some wealthy family But the people who work rent and live there really don't care
[10:24] All they care is that a guy comes around once a month and collects the rent and that by the way is where The loan shark comes in handy That's their biggest day by far all month. You could call it a latin version of a payday loan Now just imagine a gigantic low-class market like that where gringos fear to tread and i'm serious I go to those places once in a while and I never see gringos Why because they're basically afraid they think with all those lower middle class and poor people they'll stand out like sore thumbs And they do and thus get targeted for some kind of scam or ripoff Which they won't because like I said in a past show a long time ago These markets are self policing In fact i've been told there's almost zero crime in markets like that because it's a place where everybody's just trying to squeak out a living
[11:15] And there's zero tolerance for bad guys and no goodniks Now that isn't to say you can walk from your nice gated community down to one of these places because you're gonna go through some Pretty bad neighborhoods to get there. That's just the way it is The big markets like that are always located in the armpit of town And I wouldn't drive my car even if it's a nondescript one and park it on the street near one of those markets either Not because of car theft or the fact that someone might bust your window and steal something But the fact is anywhere near that market. There are so many people when you come back There could after a couple hours be people actually selling oranges and produce from the hood of your car I've had that happen to me. It just might become someone's fruit stand. So then how do you get there? Well, you drive, of course
[12:00] You certainly don't want to take a chicken bus There are always a number of safe secure parking lots in or around the market And they charge between 50 cents in a buck an hour and nothing's gonna happen to your car in there That's not to say the guys on either side of you won't give you an occasional door ding or when you come back There won't be two or three people leaning on your car That you just have to put up with this is latin america and why it's always good to have an average nondescript car That's at least a couple years old Now note i've been in a number of these parking lots around some of these big markets and occasionally you see a big ass SUV with blacked out windows a late model too and you wonder is that a narco or something? What's that doing there? And you soon find out as it turns out since all food vegetables and produce are at least half
[12:49] Price at one of these big markets compared to the local supermarket chains and the walmarts and the costcos that are everywhere down here now Anyway oftentimes when a formerly high-end latin family is hitting the skids and they want to keep up appearances Even though they're loaned out and stretched to the limit too They still have to have that suv and the bodyguards and all that So what they do to save dough and i've seen this Is occasionally come to the big massive chaotic market park that suv in one of those lots And send out the bodyguard or the cleaning lady with a list to buy stuff in the market for half price Meanwhile the pretentious jerk lady of the house usually the mother Will be sitting in that car behind dark sunglasses and she'll never get out
[13:38] Because it would be just way too embarrassing if anybody who counted ever saw her walking through the market Can't let that happen, but she'll go there incognito She'll open the door and let the cleaning lady out to do the shopping So bottom line when you see a decked out late model suv in one of these parking lots and believe me I see them almost every time i'm in there It's some hoity-toity rich guy or gal who's suddenly done on their luck now in a parking lot that holds maybe 50 cars You might see one or two, but because the windows are blacked out You'll just never know which one of those highfalutin pretentious families has hit the skids And from what I hear when you're an upper class family on the skids You can keep up appearances for a long time one by shopping at the big chaotic market
[14:27] clandestinely of course two By being very tardy and paying your help sometimes for weeks and months and three by hitting up your friends and relatives for personal loans In fact over the years some supposedly upscale individuals with exclusive last names Have tried to hit me up for a loan here and there, but I like to think i'm not that stupid In fact, I asked one guy who kept pestering me Why don't you just go to the bank and get a loan and he said because they won't loan it to me my credit's bad And I said so then i'm supposed to lend you the money when the bank's already told you you're a crappy risk Sorry, but that doesn't compute then he said he'd give me his harley as collateral But later I found out he couldn't do that because he was paying it on payments and he was behind on that too
[15:16] Figures, huh? Anyway back to those great big chaotic central markets Now I have to say from an expats point of view the beauty in all this is that it's a completely cash business and No one's paying taxes on anything. There's no sales tax. No vat No receipts you just whip out your dough and pay no credit cards. No checks And note they only take the local funny money So if you're in honduras, they're taking limp eras guadamala Quetzales and when in salvador the local funny money is called the u.s Dollar by the way So anyway, as far as the loan sharking business down here in latin america a friend I was with a local latin lawyer Told me that some of these loan sharks in these big markets have a hundred thousand dollars cash with them at old times
[16:04] In the local funny money, of course and obviously even since rip-off credit card companies don't get 365 interest a year At least I don't think they do the little off the books loan shark guys in this business Are cleaning up tax-free too judging anyway by the line that never seems to diminish in front of this guy's little cash window So you might think then is it worth it for a gringo to get into this business? Well, i'd say yes, but I think if you do it you do it as sort of a pawn shop But i'd never crowd these guys. I'd never set up on their territory I'd go to some other part of town and I think it really would be a good business. That is Loan shark slash pawn shop since your typical us style pawn shop just doesn't exist down here
[16:49] And since in latin america, there really are no rules per se about lending money And no limits on what kind of interest you could charge etc I'm sure if you open a pawn shop slash lending business You don't charge one percent a day You charge half of what everyone else is charging and you'll still make a ton of money Now, of course if you have a pawn shop business anywhere You got to have a couple of strong arm guys in a very solidly built place Bulletproof service window reinforced concrete metal walls and all that not a problem down here. That stuff's extremely cheap But note if you want a business like that you'll definitely have to learn how to speak spanish at least a seven out of ten And by the way, if you're interested There are actually websites and books that you can get off the internet that tell you exactly how to set up a pawn shop
[17:38] Turnkey, in fact i've got such a volume myself because at one time I was thinking about it And then you might ask why didn't I do it? Well, that's because I discovered you have to be married to a business like that In other words, you have to be there all the time or at least check in once a day If you don't you'll soon enough lose control of things. That's for sure And another thing you'll probably have to set up in a kind of a ratty part of town because those are the kind of people That go to pawn shops, right? Now I like to travel so i'm not into being married to such a place But some people especially expats with a lot of time on their hands and there's plenty of those They need to have a place like that to go to every day Otherwise they'll spend half their life channel surfing or swinging in the hammock sucking down beers
[18:23] I know I know it to some of you folks up in cleveland. That sounds like the good life, doesn't it? Anyway know this people who have bars and restaurants and mom and pop bed and breakfast, etc They know about being married to a business and it's not for everyone. That's for sure So if you want to come down here and you're stumped for business ideas a pawn shop could be just the thing I can tell you that even in a small town of 10 000 or more a pawn shop could really clean up It's a niche market that no one's filled yet And the downside again is you'll have to be there all the time And that's true whether it's in the first or the third world. And by the way, it's a cash business now, isn't it? Hint hint. Hmm good idea you say but what about inventory? Well, you do have to start collecting stuff before you open, right?
[19:10] And here's how just go to a couple of local latin rummage sales and buy them out cheap And that will be a good start and soon enough you'll be in business Now note in any city newspaper down here They have yard sales and garage sales now They don't advertise them like that because the term is not really translatable into spanish So you just go into the miscellaneous area of the classifieds and you see when people put down big lists of things for sale For example, sofas and beds and TVs and tools and just loads of stuff then, you know, it's your basic garage sale By the way, i'm a sucker for those things, especially here in latin america I'm always thinking i'm gonna come across that superman action number one comic book. That's worth a couple hundred grand Way back when they shipped all kinds of stuff like that down here
[19:58] So there are thousands of ultra valuable things scattered around down here You just have to find them and the latin folks. They have no idea Anyway, if you're looking for antiques or you want to stock a pawn shop Occasionally you'll just see a bunch of junk piled up in a yard or a few flyers pasted on a telephone pole And that too is how they advertise these things Now more than once i've come across a flyer on a telephone pole and I went to one of these yard sales And I came across some very cool stuff one guy had a two-car garage. That was an entire tool shed I mean this guy had anything and everything that had to do with fixing cars and machines, etc And when I walked in the place the only gringo, I think the guy's ever spoken to in his whole life Surely the only gringo at his rummy sale The first thing he said to me was give me an offer and you can have it all
[20:47] Now that was the moment I could have stocked my very own pawn shop completely That said if you go to one of these rummager yard sales and you see a lot of very cool good stuff Give them a price on everything In fact, i'm sure the guy with all those tools would have taken 500 bucks for the works I'm sure I could have sold that stuff online for at least five grand Now don't forget you don't have to have a pawn shop stocked with all kinds of junk Because you know that stuff does get people in the doors But the real money maker is the gold and silver and jewelry trade That's how first world pawn shops make most of their dough And remember I mentioned in a previous show too that down here in latin america There are many many items that first world people would consider antiques and down here
[21:34] Well, every grandma and grandpa has a room full of them and it's just old dusty junk furniture to them They'd much rather go to walmart or costco and buy that crap furniture that comes from china I'm not kidding. Why? Because it's brand spanking new and not great grandma's old junk. Nope Doesn't matter that it's plastic press board glue and paint It's brand spanking new and modern even if it's only gonna look that way for a couple of months So don't forget the antique angle that could be really big So then how can you lose you're making money four different ways if you open a pawn shop or a facsimile thereof? You're pawning you're lending money You're in the junk golden jewelry business and you're picking up the odd rare antique here and there
[22:23] So then how do you know what that stuff's really worth when it walks through the door? Or if you stumble across something interesting at a yard sale Obviously since most of the people bringing that stuff in won't even have an internet connection Nor will most people who are having yard sales in middle and lower middle class neighborhoods and believe me That's where you find the best stuff Anyway, they have no idea what that stuff's worth Not that you or I would either and you know Even if the locals had a computer hookup or a smartphone, they wouldn't have the faintest idea where to check it out The fact is 99.9 percent of latins who are on the internet every day are experts at two things Facebook and twitter. That's it. Oh and I forgot I've been hearing about this thing called
[23:08] What's up down here lately too sound familiar? And here's the stats on that as of january 2015 depending on the latin country only 15 to 20 percent of latin families have a 24 7 internet connection at home Now as far as smartphones meaning phones hooked to the internet. Oh, yeah, they're all over the place down here, too And you could get the real cheap ones for as little as 25 or 30 bucks So then the average latin guy or gal might have one of those probably does but The cost to surf away on those things with abandon Is not within the reach of the average guy down here making three or four hundred bucks a month So what 95 percent of people with smartphones do Is just send tons of text messages and hook up to you guessed it facebook and twitter when the finances permit
[24:00] Meaning the average person with a smartphone down here does very little real surfing on the internet Only the latins that can afford a phone with a contract About 15 percent of the population do any kind of real surfing on that cell phone but as for you you can get on your smartphone or jump on your computer and Get on an antique site or craigslist or amazon or whatever and get a pretty good idea in five minutes or less What certain items at rummage sales are worth as well as the oddball antique that walks through your door? So then how do you sell that stuff? Well the stuff you can't sell locally and i'm sure You're not going to sell those antiques locally. It's an international market. You're looking for either post that stuff on antique Websites or craigslist etc and naturally amazon or better yet
[24:49] Make your own website and put up your stuff for sale because I guarantee you no one down here is doing that Anyway, there's a one-of-a-kind business idea with a very low startup cost I think maybe with a 10 grand investment you could get it off to a really good start Now the reason why i'm mentioning all this is because I get emails all the time from people Asking me what I think would be a good startup business here in latin america That is something small and manageable for expat gonna bees and wannabes with an inexpensive startup cost Let's say 5 10 or 15 grand now The best way of course is to get your boots on the ground And a real good start is to sign on to one of my expat wisdom seminars So if you're interested in an early bird deal on the seminar i'm probably giving in july
[25:35] Email me the expat files at gmail.com or johnny at expat wisdom.com Again, once you get boots on the ground That's when ideas really start percolating when you're down here and you see for yourself How you can do things better than the locals are doing them or perhaps you just find a cool niche And fill it anyway I want to close out now by giving you a little news from robert in europe On occasion you may have received some emails from him from our expat wisdom website Just to let you know he and his expat wisdom team in europe Yes, there's an expat wisdom team both here in latin america That's my thing and the expat wisdom team in europe. That's robert's thing Anyway, he and his expat wisdom team in europe are meeting in barcelona spain
[26:21] Early in may for a little fun to catch up hang out and generally enjoy all the coolness of barcelona Then he thought why not invite some of the expat file listeners, too Now if you remember i've been talking about possibly doing an expat wisdom tour in europe For some time now, I never got around to it But now this looks like it just might be the perfect window for robert to organize one And if there's any bad news is that it's limited to just seven people kind of crazy, huh? There's a reason for it, but you'll have to hear it from robert himself So if you're interested you'd better get an email off to those guys as soon as possible Just send one to info at expat wisdom calm and they'll get you all those details immediately The cool thing is that robert's been doing business in spain for 10 years now
[27:11] And he knows all the ins and outs the good the bad the ugly the great And with the economy is in real estate crashing left and right over there. I understand from him There's some tremendous deals to be had lots of desperate sellers. So it's info at expat wisdom.com By the way, I promised robert i'd show up too and even maybe bring expat eddie along south of the border Down 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 See you next time. Nos vemos Ah