Episode Summary
In this episode of The Expat Files, Johnny Mueller dives into the intricacies of expat planning, offering insights on how to approach relocation, investment, and lifestyle choices in Latin America. He begins by discussing the types of emails he receives from listeners, emphasizing the importance of detailed questions for meaningful responses and the complexity of providing tailored advice for expat planning. He also mentions his paid phone and Skype consults, which require a comprehensive questionnaire to understand an individual's unique situation. Johnny provides examples of how different climates and locations in Latin America can be combined with a lifestyle that includes both inland and coastal living.
Next, Johnny discusses the importance of spending at least six months in a country before investing or buying property, emphasizing the need to understand the local context and avoid areas with high crime rates. He outlines a process for those seeking a personal consult to structure their 'plan B' for relocation, including preparing a list of items to get rid of and a breakdown of topics to discuss. He also addresses pet ownership in Latin America, highlighting the challenges of keeping long-haired dogs in hot climates and the lack of discipline among Latin pet owners. He touches on the issue of cloth furniture in Latin homes, noting the commonality of pets and people using it, leading to hygiene issues.
The segment then shifts to an email from a listener discussing visa options in Panama and Guatemala, including the requirements for obtaining permanent residency and citizenship. Johnny addresses the listener's concerns about the visa process, the importance of learning Spanish, and mentions an option for buying precious metals in Panama. He also outlines the process for obtaining residency in Panama, emphasizing the need for economic solvency, specific documentation, and the complexity of the application. He contrasts Panama's process with other Latin countries that offer simpler residency options through corporate investment.
Finally, Johnny discusses the process of obtaining temporary residency in Guatemala, which has no income requirement. He explains that the individual needs a police report covering the last five years, specifically from Panama, where he has lived for three years. Johnny notes that a police report from Panama is sufficient and can be obtained easily, often through a lawyer for a small fee. He also mentions that in some cases, an FBI report may be required, particularly if coming from the U.S. However, Guatemala only requires a sheriff's report. Johnny advises the individual to consider obtaining a passport from Guatemala or Paraguay, which are easier to acquire. He also warns against storing gold or precious metals in vaults, citing personal experiences where people lost their possessions due to the insolvency of storage companies. Johnny recommends taking possession of such items oneself, such as burying them in one's backyard. He concludes by promoting his upcoming Expat Insider Seminar and encourages listeners to sign up for more information.
Topics
Expat planning, Personalized advice, Phone and Skype consults, Comprehensive questionnaire, Climate and location in Latin America, Expatriate relocation and investment advice, Pet ownership in Latin America, Cultural and lifestyle differences in Latin countries, Hiring and training cleaning ladies, Visa options in Panama and Guatemala, Learning Spanish for citizenship, Buying precious metals in Panama
Chapters
00:00:00 Opening 00:00:14 Introduction to The Expat Files 00:00:26 Overview of the Show 00:00:32 Emails and Responses 00:01:01 General vs. Detailed Emails 00:02:04 Phone and Skype Consults 00:02:50 Personalized Planning 00:04:21 Climate and Location in Latin America 00:06:02 Introduction to the Article on El Salvador 00:06:24 Advice on Spending Time in a Country Before Investing 00:07:03 Importance of Understanding Debt and Baggage for Plan B 00:07:40 Encouragement for Listeners to Share Stories 00:08:50 Criticism of Latin Pet Ownership Practices 00:09:54 Issues with Cloth Furniture in Latin Homes 00:11:32 Challenges of Hiring Cleaning Ladies in Latin America 00:12:32 A Business Idea for Training Cleaning Ladies 00:13:02 Listener's Email on Visa Options in Panama and Guatemala 00:16:12 Permanent Visa Program in Panama 00:17:24 Economic Solvency Requirement for Residency in Panama 00:19:05 Alternative Pathways for Residency in Panama 00:22:00 Comparison with Other Latin Countries for Residency 00:23:08 Police Report Requirements for Residency in Guatemala 00:24:01 Path to Citizenship in Panama 00:24:43 Warning Against Storing Gold in Vaults
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 get a lot of emails and I can't answer every one of them But on occasion some very interesting ones come through like the one I'm gonna read you right now Oh, and by the way speaking of emails, I do read them all and it's not that I ignore any of them I almost always send some kind of response
[00:45] Now the ones that I like and will get some attention on the show itself are the ones where you ask me just one or two Questions then I can go into some detail. However, when you send me emails that are extremely general I suggest you just check out the archives because I hit on most everything eventually What I mean by extremely general. Well, let me read this one right here to give you an example. It says dear Johnny I'm 56 years old. I'd like to move to Latin America. I've got a 12 year old Dachshund No, not a Dachshund a Dachshund and he'll go where I go. I'm on social security disability I make around 1700 bucks a month and Johnny I'd like to know the best place for me and my dog to come down and live in Latin America and then nothing That's the end of the email. So how do you answer something like that?
[01:33] Well, if you give me a few hours, I could think of about three or four thousand different areas that we could place. Mr. Dachshund I'm sure you longtime listeners get it So anyway, I get those very general emails and I get the pretty complicated ones too Where a person gives me their whole background and what they want to accomplish as an expat But it would be unfair to do a whole show just trying to figure out the perfect plan for one particular Individual which is why I do phone and Skype consults and people ask me about those all the time, too Yes, I do half hour and hour phone and Skype consults and I do charge for that stuff after all It's all about working out a personal and very individualized plan now And of course many times I hook you up with some of my own personal contacts Best of all, if they're the professional sort
[02:21] Physicians dentists lawyers, etc. They not only speak English. They charge Latin prices not gringo prices at all In fact when someone does send me a complete breakdown of their lifestyle, etc And what they mean to accomplish as an expat turns out there's a lot of analysis and back-and-forth questions Too much to put in an email without getting carpal tunnel. So instead I sent him a little pre-planning questionnaire letter it starts out by saying that everyone's situation is completely different and That your exit plan your plan B or part-time living plan Whatever your ultimate expat goal depends on your age your sex your education your health your lifestyle your marital status Whether you have children dependent or not as well as what you might call your special skills or hobbies
[03:07] We all have those right and it helps to know your savings or financial cushion not your projected savings or financial cushion But what it is right now your plan B also depends on your personality type For example, how people rate you and how you rate yourself. Are you for example the adventurous type? conservative liberal libertarian a Buddhist Anarchist atheist Evangelical Mormon or New Ager you get the idea and then of course, what's your physical lifestyle like? Are you a backpacker vegan four-star restaurant umbrella drink type a jogger marathon runner sports fan? Scuba surfer splunker bookworm painter writer, etc Then I have to know if you have an outside income a pension social security
[03:56] Disability is your grandma sick gonna die soon and leave you that Picasso etching. What about that Shelby GT in the garage? You're gonna bring that down and this is important. What are your Spanish language skills on them? One to ten Do you plan to have a business? Do you need a business or are you just wanting to retire into the sunset? What about climate humidity insects are you into beach and water or highland? Altiplano regions with perfect spring weather all year round or both that can be arranged, you know, especially in Central America For example, if you live inland in an altiplano climate meaning perfect spring weather all the time If you have a car You might only have to shoot off an hour or two east or west to hit that beach house on the Pacific or Atlantic Ocean, in fact, if you live in Nicaragua Panama Honduras Salvador or Guatemala
[04:46] You could live inland on the Altiplano or close to it then on any given weekend You could take off for a few hours in your car and be on the Pacific or Caribbean coast in fact many long-term expect gringos have just that setup as for me when I lived in San Jose Costa Rica and the Altiplano it was a Tour ride to the Pacific or the Atlantic and when I lived in Antigua Guatemala also in the Altiplano It was about a one-hour ride to the Pacific beaches and about a four-hour ride to the Caribbean And when I lived in Panama City, it was about five minutes to the Pacific in about an hour to the Atlantic However, nowhere in Panama are you in the Altiplano. So it's always dead smoldering hot Now for example, if you live in the capital city of San Salvador in the country of El Salvador
[05:34] You're about an hour and a half from the Pacific coast One by the way, a lot of people say Johnny, you know, El Salvador seems like such a terrible place They have all those gangs. They say Johnny isn't Salvador where that notorious Salvatrucha gang originates Seems they've infiltrated all the cities up in the States now. So why would I ever want to move down there? Well, let me tell you I've been to El Salvador many many times and there's some very cool and safe places there In fact, there's a little article. I like to keep handy It's called ten things you must do when you visit El Salvador Sure in every country they have gangs and violence including the states in Europe But they're always in those districts and departments us gringos and expats never want to live work play and or hang out in
[06:19] It's as simple as that They've got the good the bad the ugly and the great and we stick with the good and the great Which is why you always want to get boots on the ground and spend at least six months in a country before you buy Or invest in anything, but you knew that already, right? Now, where were we? Oh, yeah Talking about that little questionnaire I send people who want to do a personal consult when people want me to help them structure their own plan B Well before we do that Skype or phone call consult I asked them what kind of baggage they have to what kind of junk they have up in the states that they have to get Rid of like for example houses property businesses that have to be sold ex wives ex husbands kids Grandma's fake Picasso stuff like that. My advice have a dumpster ready Maybe two and to work out that plan B. It's important to know what kind of debt you have, you know
[07:09] Baggage that said to make a good and complete analysis to come up with your personal plan B You'll have to send a good breakdown of the things previously mentioned and a list of ten or so topics You want to discuss in their order of importance? Then you'll send that along to me a few days before the call so I can think on it a while and help you Come up with some solutions So anyway for all you listeners out there who want to do a personal consult like that. Just send me an email I'll send you my little questionnaire. We can agree on the time and get started Oh and one more thing about those emails you send to me. I do appreciate a good crazy Latin American story That's for sure. We all do everyone likes a good laugh So by all means send them along and you can attach a few questions with them too
[07:54] No problem there But please don't ask me where the best place is for you and your dachshund to settle on a social security disability check However, not to leave animal lovers on the cold. I will say this you are definitely not doing your dog or cat Whatever a service by bringing them down to a beach or low altitude climate because it's very very hot in Latin America And they'll just lay around a lot and be miserable. That's especially true for your long-haired buddies Unless of course, you're in the Altiplano then it's perfect spring weather And utterly fabulous for man and beast. However, unfortunately, I do see some gringos ship down their dogs They're long-haired dogs and they do not do well in that low altitude or beachfront hot weather Now the local dogs who've been down here for generations and generations. They seem to do well enough
[08:44] However, they don't quite ever look as healthy as dogs in the Altiplano and I'm not talking about street dogs You know, they never look good. That said gringos are infinitely better pet owners than Latins I don't care if a Latin pet owner is lower middle class middle class upper middle class or wealthy those idiots Never train their pets. They have no discipline and they're always Crapping around the house or jumping up and humping your leg when you come to visit or when you sit on a chair They're jumping up on your lap. I just don't get it Latin pet owners are the absolute worst So ladies gringo ladies out there expect even if you visit an upper-class Latin's home Expect that dog to jump on you and screw up that fashion Look you've been working on for the past hour or so now as for me I've always had dogs and I don't tolerate them jumping up and pawn me and believe me
[09:34] That's gonna happen to you if you visit a Latin person's house and I have a dog and of course You can't blame another dog. It's the owner which begs the question. Where's that poison tipped selfie stick when you need it for the owner Not the dog. Okay, while I'm on a rant Let me give you one of my other pet pet peeves about pet owners Latin American style multiple puns intended First of all, whether you have pets or not I never recommend you have furniture that's made out of cloth or what they call tell a TLA down here That means cloth because after a while it gets so grungy and dirty from sweaty adults and kids and coca-cola and ice cream spills Etc soon enough. It looks well just plain gross not to mention after a while It picks up that locker room kind of smell you'll see this revolt and phenomena even in the houses of the very wealthy
[10:19] Who by the way think it's cool to pick up beige or even white colored cloth furniture? Yeah it stays that way for about two weeks till the kids and the dogs and the cats get at it because I don't think I've Ever met a Latin pet owner who didn't allow his pets to jump up on the sofas and the couches and the chairs and just Hang out there and I can't tell you how many middle class and upper middle class houses I've been in where the place actually smells like crap dog crap because in Latin America at least man's best friend Seems to think a nice quiet place behind any given sofa is easier and faster than going outside Of course it will get removed when the cleaning lady gets to it But believe me first world style cleanliness in the house and sanitation are not common practices as we know them anyway here in Latin
[11:06] America, I don't care what Socioeconomic class we're talking about so remember just because a person has a full-time cleaning later even a live-in cleaning lady That doesn't mean the house is necessarily hygienic or sanitary not to our standards anyway In fact if you're watching this on YouTube you're gonna see some examples of just what I'm talking about Houses with full-time cleaning ladies and yet you wonder who if anyone taught these ladies how to clean Which is why when you're down here sitting around with some gringos Sooner or later the subject will turn to cleaning ladies and that's when the gringas especially will try to top each other with cleaning lady stories So be advised when you hire a maid or cleaning lady You just can't hand her a mop in a bucket some Ajax and some soap and say get to it You're gonna have to spend some time observing exactly what she's doing and you're gonna want to correct a lot of things
[11:53] Because you remember cleaning ladies guards maids nannies etc come from the poor and lower classes They don't have hot water nor vacuum cleaners In fact, you just might have to teach yours how to empty the vacuum cleaner or it'll never get done Not to mention most have driveway chickens and a lot of pets themselves and believe me They can never keep their houses clean under those conditions. So whatever feudal techniques They are using in their own little houses. That's what they're gonna bring to your house So my advice when you hire one of these ladies don't get mad Just start training which by the way always brings me back to what I think is a very cool and what could be a very Successful business idea, but I've yet to see any gringo or gringo try it yet. So what's the idea? Well, it's providing a weekend crash course to turn your cleaning lady into a first-world style maid
[12:38] Diploma and all of course and I think every middle upper middle class and wealthy Latin woman of the house would be delighted to spend 50 or a hundred bucks to send her cleaning lady or cleaning Lady is to a course like that Why because that would be the ultimate in gringo wannabe ism if that's a word and I don't think it is But where were we? Oh, yeah, I was just about to read a very interesting email starts out Hey Johnny wish I would have found your podcast two years ago Would have got my permanent residency in another Latin American country besides Panama Hmm, but however, I was able to obtain the friendly nation's permanent visa in Panama Which is a plus because there is no income verification. Ooh, it's me Johnny again
[13:24] I bet you're all wondering what that is that friendly nation's permanent visa in Panama. We'll get to that later Let's finish this email. He says Johnny you're spot-on that on the gringo trail Cities are much more expensive and the people are pretty much jaded. It's all those US dollars floating around Anyway, he says you mentioned in one of your podcasts that Guatemala has a temporary visa that can be extended to a permanent visa after a year and a half and I believe you mentioned that the temporary visa has no income requirements and A place of last residence police report for the last five years is needed Well, the last four years I've lived in Latin America three in Panama and one year in Costa Rica and between four and five Years ago. I was living in the US
[14:11] Does that mean I would still have to obtain an FBI report for the Guatemala temporary slash permanent visa? Would you recommend I apply also for that temporary slash permanent Guatemala visa to or just wait another couple years to apply for citizenship in Panama? I guess I'm not sure if Panama regularly grants passports to permanent visa holders after five years or not What about Guatemala? Does it provide the passport because you see obtaining another passport is a pretty high priority for me Then he says regarding citizenship and passport in Latin America He says, you know, I need to figure out my Spanish in order to take the citizenship test one day Don't I eventually that'll happen when I go for the final passport learning Spanish will also allow me to get off the gringo tourist trail
[14:56] Too. Yep for me. It's four years on the gringo tourist trail in Latin America And I've got very little Spanish to show for it. Yes, you're right I never needed to know Spanish at all living in bulk at the Panama every time I attempted to learn Spanish I would use interactive software by the way And after feeling somewhat confident I would talk to a local and be completely bewildered because of the speed and the different dialect of Spanish that the computer software could not account for and you know Johnny as far as I can see the only Two things the Latin Americans can do fast are speaking and driving. However, those are the two things I wish they would slow down By the way, here's a good thing for your listeners to know it seems that Panama has an option for buying precious metals
[15:41] It's called vault max. It's in the duty-free zone just outside of Panama City There you can order gold and silver and have it shipped direct to Panama with no VAT and then Nationalized to the country of Panama for a nominal fee. I'm still checking into this company though I'm not sure what other dealer would ship precious metals to Latin America and what it would cost for insurance and VAT etc Well, that's all for now Johnny signed mr. B. Okay, mr. B Let's take these things one at a time first Let's talk about that permanent visa program in Panama that very few people know about it started in 2014 And here's how it works Panama grants permanent residents and a right to work to applicants who are from what they call friendly nations
[16:26] Which is why they call it the friendly nation visa and let me list a few of the 50 nations on that list the USA Austria Brazil Belgium Slovakia France Finland Netherlands Ireland, Japan Norway, Czech Republic Liechtenstein Monaco and or a Portugal Denmark almost all 50 our first world nations with just a few Latin countries thrown in now If the US did that they'd call it racial or cultural bias, wouldn't they but I digress as usual now You don't have to be living in Panama full-time to qualify for this residency But you'll have to spend quite a bit of time there now the applicants must have some sort of business investments or company incorporated in Panama or you have to have a Contract to work with a Panama corporation and with that visa you will be able to get Citizenship and a passport in five years or so now the easiest way to get a friendly nation visa is to create a business
[17:18] In Panama to do that you have to create a Panama corporation or rent or buy into an existing Panama business Then you have to prove that you're economically solvent That's done by depositing five thousand bucks for one applicant and two thousand for each dependent into a government approved account In a Panama bank then there are a few other hoops to jump through But then a temporary residency card is provided after the application is filed and that card is valid for about a year Then it's replaced with a permanent residency card. Once your application is approved, then you're allowed to work full-time in Panama So what else do you need to apply? You need a notarized copy of your passport and your driver's license Then they have to be authenticated or apostoled by the Pan American consulate near you and you have to submit a notarized copy of
[18:05] Your utility bill who knows what that's for, but you have to do it gas electric phone bill Then comes the weird stuff You need a bank reference letter and a professional reference letter from someone high up in an established business in your home country Stating they have known you professionally for a considerable amount of time and that you're a good person of good character And that you don't beat your spouse or smoke crack any more than the next guy Just trying to see if you're dosing off there Anyway, same applies to the bank reference letter the banker has to say that he's known you for at least two years and that your account is in good standing and you'll have to Supply copies of your account balance for the last couple years Then you'll have to have a written letter describing the kind of economic activities you plan on creating or getting involved in
[18:53] That would be an abbreviated version of a business plan the kind you give a bank when you're going for a startup loan And of course those documents will have to be notarized and authenticated by a Panama consulate near you up in the states Now mr. B says he went through this process and it didn't require him to show proof of income Well not to confuse things but in certain cases that can be done For example, if you're being hired in a professional capacity by a Panamanian company In other words, you'll have to make contact with the Panama company and get them to agree to hire you Or possibly get recruited from the outside by one of the Panama companies that's advertising for professionals on the net, etc And if hired as a professional by such a company the Ministry of Labor in Panama will fast-track your work permit in addition
[19:39] You'll have to register with Panama's Social Security Administration That's so you could get their version of a Social Security card and pay into their piece of dog crap system In addition your new employer will need to provide an employment contract or letter Explaining the professional capacity you're being hired for by the way certain professions are restricted For example, if you're an architect attorney an engineer a medical doctor a dentist or a veterinary doctor You can't get in under this program why because they insist that only Panama citizens should fill those kind of jobs and thus you'd be competing directly with Panama citizens with advanced degrees and they don't want that anyway I mentioned you have to supply a written letter stating the type of professional or economic activity
[20:26] You'll be conducting in Panama, but that's not all Like I said, if you're being contracted by a Panama company, you'll have to provide not only a legit employment contract proof that the company is registered with the Panama Social Security Administration to and that you have attained a Social Security card Which is kind of a catch-22 because to get that Social Security card, you'll have had to show proof You're working for that company already. I guess there's ways around that anyway as mentioned earlier another way to get that preferred country visa is to open up a Panama Corporation that does business in Panama and So you'll have to provide documents stating you are either on the board of directors or a major shareholder in a Panama Corporation Or that you own the company and if you're applying for that special visa that way you have to actually prove
[21:13] It's doing business not just an empty hollow corporation that has no money movement So if your Panama company or Panama Corporation is new you must submit proof that its corporate franchise tax has been paid along with a copy Of its business and commercial license and if the corporation is over one year old You have to submit a copy of the Panama tax return or certificate of good standing in addition You have to submit copies of Panama bank accounts for that corporation in that corporation's name along with the proof of any income That's been produced by sales or services or real estate owned by the company In other words, what you're doing there is proving that you're economically solvent So now I think you can see why very few people know about this kind of Panama visa It's just way too many hoops to jump through now by contrast
[22:00] There are a handful of other Latin countries well off the radar where similar programs exist that are much easier to maneuver through Whereas unfortunately Panama right now is probably the highest profile country in the world with the release of the Panama papers and all That said there are a handful of other Latin countries including Nicaragua, Guatemala, Honduras, Peru, Bolivia Where all you have to do is open up a corporation in that company in SA Corp And that's about enough to get started on permanent residency Of course you'll have to do that with a lawyer and leave it in his hands He'll get the permanent residency going based on the fact that you've opened a corporation and therefore are going to be investing in that country And you've done so already by opening a corporation which again runs anywhere from around a thousand to maybe three thousand bucks
[22:49] Depending which country you're in and it might cost 50 to 150 bucks a month to maintain a corporation So in some Latin countries, it's a fast track to permanent residency But as you can see in Panama, it's not nearly that simple Let's see what else oh yeah He's asking about getting temporary residency in Guatemala because it's got no income requirement However, he's asking if he still needs a police report that will cover the last five years in the places He's lived and he says he's done one year in Costa Rica and three years in Panama Well in that case all he really needs is to get a police report from Panama And that's easy enough to get you can have your lawyer do it It costs maybe 15 or 20 bucks And by the way, what most people don't know is generally in Latin America You get two police reports get one from this city or department you're living in plus a national police report
[23:36] Oh and another thing if you've lived in a lot of different places over the past five years You can still go right back to your hometown in Cleveland Even if you haven't lived there use your parents or your sisters or brothers address and pull a police or sheriff's report there However in Panama these days you have to pull an FBI report if you're coming from the states However, Guatemala still only requires a sheriff's report Oh and mr. B You've got three years in Panama now with your permanent visa That means you've only got two years or so and you can get your passport and naturalization. That's citizenship So you should stick it out However, Panama is so high on the radar these days not to mention They've got all that high-tech biometrics crap at the airport every time you go in and out I would suggest if you've got the time and inclination to try to get another passport
[24:21] And Guatemala is one of the easiest latin countries to obtain one Of course in Paraguay, it's easy too But it's a long expensive way down if you have to go back and forth and you need an FBI report Okay. Now, let's talk about vault max. That's a gold storage company in panama and it's run by first world people You can tell by its website. Just check out VAULTMAX and you'll see what I mean However, i'm totally against storing gold or precious metals, whatever in a vault or with anyone else You really must take possession of it yourself if you have to bury it in your backyard In fact, I know a couple of very sad stories of people who've stored things in vaults in my own case I used a private Costa Rican storage company many years ago And guess what my Costa Rican lawyer called up one day and said Johnny
[25:07] You better get your stuff out of there because that place isn't solvent It's going bankrupt Then when it does you won't be able to get your stuff out for love or money And I shot right over there took the stuff out and he was right three weeks later They closed the doors and you had to get a court order to get in there and get your stuff back And I don't know of anyone who was even able to do that Then I know of a gringo who had a couple of hundred ounces of gold and platinum in bark lays bank in england in a safety lockup He paid the fee way into the future, but didn't stop in and visit for many years Some more years went by and when he went back, they wouldn't even let him see it much less take it out They told him he needed a court order to get it out something to do with being a gringo Of course, there was a little more to it than that But he never did get his gold back bottom line always take possession
[25:52] And remember you can buy and ship gold all around the world fairly cheaply by the way In fact, I was just looking at a site the other day shift gold very reputable firm has worldwide delivery And they'll ship practically any amount but they'll break it up into packages that are worth $10,000 or less because well, that's the rules for some precious metal dealers By the way There's a website called compare bullion sites calm and it lists the three best and top rated golden bullion dealers that do International shipping now recently I talked to a gringo who bought some gold from a company had it shipped and it cost 40 bucks Plus 1.5 percent of the total value. So he bought 10 000 bucks worth which is around seven and a half ounces So it was 40 plus 150 bucks to have it shipped and insured
[26:40] Okay, we're near the end now and let me remind you you can still sign up for my Expat insider seminar starts july 9th. That's a couple of weeks from now for sign up information Just go to www.thenewexpat.com Click on johnny's 2016 seminar link at the top of the page and you're in The fact is things aren't getting better. They're getting worse and I know you can feel it too That means you really don't have much time left to get your plan b underway So why not get on the fast track and get it kicked into high gear by coming down to my july 2016 seminar? And while you're at it, do check out john gault's famous pre and post seminar trips All in all a boots on the ground experience You'll never get if you come down here on your own and finally do check out my youtube channel If you want to see the pictures and slides that go right along with what i'm talking about, dude
[27:27] Check it out. If nothing else you're guaranteed a couple of laughs and who couldn't use that these days 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 if you want me to help you sort out your own latin american plans schedule a one-on-one Consult with me just send an email and let me know at the expat files at gmail.com. No es vemos