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Everything posted by Crazydog

  1. Whoever you talked to at your banks is right. You cannot have more than one name in the account. This is what shows up on bank statements and what you use to do wire transfers. You can however add a second person to give him the power of attorney to make transactions for you. Their name only shows up in a bank contract but not in any statements. They can also go in the branch and whithdraw cash and complete wires without the primary account holder being there . The easiest solution would be to open an account with your name on it. Source: have three bank accounts in Mexico. All operate the same.
  2. Do these buliders/architects give you facturas or say they will charge an extra 16% if you need it. Without facturas you are running into problems when you sell.
  3. If it was a dog that did this, maybe it's the result of ignorant/negligent humans not being responsible for him/her and not helping with overbreeding of street dogs (like getting your dog spayed/newtered) when this service is FREE! Before you point your finger on a particular breed (that may not have even been the type of breed that attacked), please look at the big picture.
  4. We transferred money to the escrow account of the real estate company. It was a monex account in USD but held in Mexico. I wonder why chase wants you to split the transfers especially if you have this money in your chequing account. To do a transfer overseas all banks go through the swift system so being in Mexico makes no difference than sending money to the Uk or Canada.
  5. In one year it went from 20.6 to 18.6 now. Peso got stronger not weaker. Wonder where you got the 10% figure. Also if the peso weakens you only lose if you need to exchange back. If you live here long term there is less need to exchange back and fourth. What impacts people that have pesos is the inflation rate. Usually CDs keep up with inflation. An inflation of 5% is not awful. CDs make 7% so you net 2%. If CDs gave you 50% return that would be a BAD situation because your money would be devalued just as fast. I don't see that happening in Mexico. They are one of the richest countries in the world with solid growth.
  6. Sorry maybe I didn't read this right. Are you saying cartels were paying the bank to disclose them your account. Sounds very strange?
  7. I would advice against buying commercial properties in lakeside. A lot are vacant and a lot of new businesses pop up then fail within months for various reasons. Residential is better because of the expat demand. There are other areas in Mexico that have much stronger real estate markets than lakeside which mainly depends on expats and the US economy. (Look at what happened here in 2008) I would pick a city like Queretaro or Guanajuato where a lot of big companies have invested and created jobs. However real estate is not regulated in Mexico like in the rest of North America so there's a lot of risk too. If you don't know Spanish things get even harder to invest in those markets. The other thing about real estate is capital gains when you sell. They can be quite high. CDs get taxed at a flat fee of 5% (I believe it's 5% but it's in that range). Ohh and let's not forget about maintenance and management of real estate. I have had CDs with multiva for over 2 years and mutual funds. I average around 7% yearly on CDs (inflation is around 5% so you are still netting 2%) and the funds I got pretty lucky with around 20% returns but they are high risk ones. The bottom line is like you said it's not so much bank fraud as is the risks you are willing to take with currency and the type of investments you make. If you are planning to live in Mexico long term I think CDs are a good option (especially short term) because you will need to use pesos either way to pay for things. How much you want to exhage is then up to you.
  8. No I'm quite happy here but I was trying to help by sharing my honest experience regarding rentals. I have rented in many parts of Mexico where they don't cater to gringos not just Ajijic. And I did not just make up all those events. When I was new to the area I would have appreciated people be honest with me and not just "welcome to paradise where everything is so cheap and you sip margaritas all day long and expect things like in good ol murica" Mexico requires us to adjust and understand the local culture. And the local culture of rentals is different. If you prefer less adjustment than the best way is to rent from a gringo, although like another poster said it doesn't always guarantee things either.
  9. Sometimes you get what you pay for. I don't want to profile all Mexican landlords under this but expectations are different in Mexico when you rent. 1. You are most likely renting unfurnished. You are new to the area. Don't know jack shiit where to go buy furniture and 99.9% of the stuff they sell here is overpriced crapp. Instead of coming down to Mexico to relax or enjoy your retirement you are now running back and fourth trying to make this place livable. Oh and the furniture was supposed to arrive 10 days ago but it's still not there and they promise you it will be there tomorrow. (This happened to me and it got very frustrating!) Also you may discover there is no hot water and lots of leaks in the house. Mexicans are a lot more slack about repairing leaks or even building their homes leak proof to begin with. So you have to hire your own contractors to come in for repairs because the landlord doesn't seem to want to fix it. (It happened to me in a 2 year old house rented by a Mexican landlord and I know many others that had landlords not fix anything). Also a lot of contractors will lie about arranging a time to come fix things and never bother showing up. (It happened to me too multiple times) Most Mexican renters know that it's their responsibility to make the place livable. Our cultural norms regarding rentals are different. Also a lot of the times places get trashed (not in gringoland so much but in other parts rented by Mexicans) and the landlord will show the house trashed to prospective new tenants. (Try looking for a rental in Guadalajara and you will see what I mean by that). Also a friend of mine agreed to rent a furnished place from a Mexican landlord and the day she moved in the guy had taken everything and left some old used furniture behind. She lost her deposit and her precious time. When you rent from a gringo they usually operate rentals the same way they would in the US/Canada. They come furnished most of the time so you don't have to run around sleeping on the floor the first month. Also they speak your language. So if Spanish is not your greatest skill you don't have to suffer with the language barrier. Also sometimes even if you know what a Mexican landlord says they may not mean what they say. Look up the definition of "magnana" or "ahorita" .You get a lot of that here. Again not all gringo landlords are great and not all Mexican landlords are crap but like I said the culture of renting is different so keep that in mind. Also do a simple google search on rentals in Ajijic/chapala and you will see what's available. There are rentals in all price ranges starting at $400 a month. My advice is to not book anything unless you see the place first.
  10. The best physiotherapist in my opinion is Jorge Ulloha. His clinic is in Riberas close to Mom's restaurant in a small plaza. He speaks perfect English and offers professional service. I would rate his service better than a north of the border clinic As for personal trainers, I have only met one that was qualified and he moved away (Esli). The guy was truly great. I have tried several others from gym trainers and people that come to your house and they have not been knowledgable to train other people in my opinion. For massages I would recommend the Total body care spa in Ajijic Centro. It's on ocampo I think. Nothing fancy but they have good prices and are professional. They speak English too.
  11. http://www.accesslakechapala.com/ they have a lot of inventory and my experience dealing with them was great!
  12. Went there once it was packed. Food was good and service also pretty good. Tried it again a few months later when we were the only table. The waiter must have thought we were invisible, even when we would ask something he just didn't care and would dissapear talking to this kid (maybe his daughter). Food was also equally bad. Won't be back
  13. I think the lake restaurants don't attract expats because: 1. They pester you from the public road to go into their restaurant, getting as close as they can to your car and whistling in your face while wiggling a dirty cloth also in your face. 2. They play Deafening music that sound more like torture noise. I'm all about fun and partying but that was beyond what even someone my age(in my 30s) can tolerate. 3. They have no internet presence. Don't recall seeing them on trip advisor or seeing their websites.
  14. I saw this cloud the other day. Do you think there's UFOs in there? ?
  15. I saw this UFO once, it looked so mythical like it was made to create excitement and adrenaline among the humans. It didn't come from the lake however, it was made in china ? Also where can I get some of those shrooms you guys have?
  16. Thank you for your replies. Some of them were quite informative. Also funny how asking a question about why EXPATS preferred to move to Ajijic in the past became a discussion about Mexicans finding suitable mates for their children. ?
  17. I wonder why Ajijic became the hub of expats when Chapala has much better infrastructure of roads and space. I also find Chapala much more visually pleasing than Ajijic, however the big majority of restaurants are located in Ajijic, the prices of real estate are extremely more expensive compared to Chapala, yet the Ajijic Carretera is full of dust and traffic that barely moves and for being an expat retirement community it's not particularly handicap friendly or noise friendly to live.
  18. Two of my dogs used to get in fights. One was a pit bull. The water gun saved us from many vet bills and wounds on both dogs. After a few fights the dogs finally made peace. Now they get very obedient every time they see the water gun. FYI: pitbulls may have a high pain tolerance but they hate water.
  19. Water gun works too. If you spray water in the dogs face they will get shocked and let go the biting/victim dog.
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