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Planner replied to the thread health insurance on the Dominican Republic forum on April 16, 2014:
Sclinton initially posted:
I am planning on living in the DR for at least 6 month and if I like it for years. Is it possible to buy health insurance as a non-resident?
Planner replied on April 16, 2014 with:
You must apply before age 65. Sometimes they require a physical and sometimes they do not. Not all my clients have had to get them. Some pre existing conditions will be excluded. But you can get coverage for everything else! yay....
Sereno replied on April 16, 2014 with:
Thank you boater. I was coming to your conclusion that you stated rather well. In a few years my wife and I will have to make that change from what is now a good plan but will go so expensive that we will have to look new policies. Since I don't travel much, I can get the U.S. Medicare with the emergency evac just in case of something really major. I'll have the D.R. plan for everything else. Our current plan needs pre-approval down here and then they pay us. Cataracts done here didn't get near my deductible so all out of pocket anyway. (under $5K vs over $20K going back to the States and having to rent place/car/live for a couple months.) IF I had the D.R. insurance as well, they would have kicked in for some of that under $5K. As others have pointed out, the D.R. does have some good medical facilities and people but .... not for open heart work, aggressive cancers and kidney transplants. If I travel to other countries other then the D.R. and U.S., then other policies can be purchased. My wife however, will cost an arm and a leg staying with our present provider since she travels the World and needs that coverage. Well done guys and thanks. Bottom line to the OP. You can get medical insurance here in the Dominican Republic using your Passport. Right? Sereno
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Sereno replied to the thread Bank Accounts in DR on the Dominican Republic forum on April 14, 2014:
Sclinton initially posted:
I am planning on living in the DR for at least 6 months and if I like it I will stay for years. I work from home on the internet and will be transferring funds to myself from the US to the DR. Any suggestions on opening a bank account in the DR and transferring funds?
Sereno replied on April 14, 2014 with:
Some banks are better then others. Some branches of a bank are better then others. So experiences will be different. We had two accounts here years ago. One in U.S. $ to transfer from our U.S. account to the D.R. Another in Pesos'. We then could take the U.S. $ and move that into the Peso account. It became so expensive and time consuming, plus the long lines, that it was not worth it so we closed both. We work via internet so most of our clients do a direct deposit into our U.S. accounts. We have been using a money changer that cashes our personal U.S. $ checks and we get pesos. No lines, fees or hassles and charges just a small fraction more then the banks exchange rate. Due to the large number of debit and credit card fraud, we only have one credit card that we use for large expenses and that Company always has us call to verify that it is us using the Card. I hope that others will share their experiences. Good luck. Sereno
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Sereno replied to the thread Living in Juan Dolio on the Dominican Republic forum on April 14, 2014:
Sclinton initially posted:
I am considering living in Juan Dolio. Anyone experienced there and have suggestions?
Sereno replied on April 14, 2014 with:
Hello Sclinton. I live on the North coast so I can not give advice concerning Juan Dolio. However, most ex-pats that live here mostly give the same advice. 1. Rent for min. of 6 months before buying anything. 2. Make sure you understand what is included in the rental. 3. How is the electrical service. Generator. Inverter/batteries. 4. Security. 5. Water situation. 6. Cable TV and internet availability/service. 7. Noise pollution. Keep in mind that Agents are not licensed in the D.R. so be very careful with whom you are dealing with. You may want a lawyer to go over the rental agreement/lease with you. The D.R. is also setting up to make ALL non-tourists to become registered and legal with residency. You may want to learn more about that. I don't know if Copy/Paste works here. Look for this thead : Finding a home started by Kiskeyanos Good Luck. Sereno
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Ltindal replied to the thread Dominican News. on the Dominican Republic forum on April 11, 2014:
Sereno initially posted:
We all know that news associations spin things. This one of several that I look at; cause it's in English and easy for me. I do scan others too. Reading and learning is a mixed bag here and I sometimes don't know what to make of what is going on. We are in a major drought but the money spent on other projects and not the basics just has me shaking my head not understanding why the basics are not addressed. Yet high cost of unnecessary projects that require other country's to do is the normal way of doing business.... for the "kick backs" to a few. It now is a problem of WHAT needs the priority and get done. Riots in some areas and many without water at all. Not to stir the pot, just my opinion. You that live here add yours and let others know along with the "news". BTY. NO one tells us the real reason for no water. NO one. I send my own people out to learn. "It's NOT MY fault!". The always heard Dominican chant. Sorry for my rant? No. It's sharing and learning experience. ; Sereno
Ltindal replied on April 11, 2014 with:
Sereno, the answer to your question as to how the DR still gets money, when they never entend to re-pay the loans to The World Bank & The IMF, is simple. Both organizations are the offspring of the Federal Reserve. To continue the perpetual issuance of fiat money, the Fed could not directly print it and give/loan it to DR; therefore the creation of the World Bank & the IMF, as clearing house's. Once a bank loans $1.00, it can receive $9.00 more from the Fed. The ongoing cycle of the DR no paying, causes the IMF to rescue them with new loans, in which hundreds of millions are shaved off the top for heads of state for personal use and to run there government. A large portion of the loan is re-paid to the bank as intrest on the previous defaulted loan, which now still alive as part of the new loan. This is the source of inflation. People are not aware that when the value of their money falls, they're facing additional taxes when goods and services cost more. Hope to sit and chat when you come to the capitol again.
Sereno replied on April 11, 2014 with:
LOL. I am familiar with how many financial systems try to work and some do better then others. It has been very interesting to watch all the economies work to over come. Some do better then others. What I don't understand is how the D.R. gets SOOO much money in loans and does not pay them back but manages every year to get MORE? This is a long history with many facets that I just don't understand. We are not survivalist. We are practical people that understood that we had to put systems in place to be safe and comfortable. Much more then .... just about every X-pat that is doing what I use to do with my chicken rant. We learned to take care of ourselves. Be it water, electric or candles. Your point of having back up stuff should be well noted. Your reinforcing a Plan B to get out IF needed also noted. People? I don't think that Plan B will be need because ... we have planed and can ride out in comfort to live here. Thanks Lt. for sharing. Sereno
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aali4 replied to the thread Sending kids to local schools? on the Dominican Republic forum:
karpo3 initially posted:
During our 6-month sabbatical, I'd like to send my 10 and 12 year old to local school to work on their Spanish. Frankly, I don't care if they learn anything else (they're bright kids and we can homeschool them on the few things they need to really learn during their six months"off"). Has anyone done this in DR? Any idea what the rules are for visiting US citizens? Can we send them to local public schools? Anything we should do before we arrive, or can we manage all this once we arrive? (FYI, we're all beginners/intermediate in Spanish -- I'm brilliant at charades :) but am worried about the level of bureaucratic Spanish getting in my way...). And we're not sure where we'll be living yet so just need general info.
aali4 replied on April 11, 2014 with:
Hi Steve, can i ask how much it costs for your children to attend private school yearly? Also did they speak spanish when you moved there? If not how was the transition and how were the other students?
StevenBarr replied on April 11, 2014 with:
I am retired and live in the Santiago area. I have 2 children 6, 14. I send them to private school and they are doing great. I find the country a relaxed atmosphere to raise children. I monitor who and were they go. they are great kids and soon I hope to have my son go to the colledge here to study medicine. good luck on ur adventure. steve
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Kiskeyanos replied to the thread Finding a home on the Dominican Republic forum on April 11, 2014:
Kiskeyanos initially posted:
My husband is Dominican and I am Puerto Rican both raised in the US. We are retiring early and bringing 3 school aged kids with us to the DR. We want to buy a home in the south west Island and can find little or no listings. Any suggestions? Have tried corotos, supercasas, dominican realty. Focused on baharona, pedernales or Azua. Looking for a rural home...nothing in town.
Kiskeyanos replied on April 11, 2014 with:
I have to agree. Whether European, American, or Hatian, you need to abide by the laws of your host country. As far as the Hatian situation, I find it interesting that the US is condemning the Dominican government for their stance on the massive illegal immigration taking place in a country that is already one of the poorest of this hemisphere, when the US deports thousands of "south of the border" illegal immigrants weekly. I do not understand why there is a double standard. People outside of DR like to call it a race issure, when in reality, it is an economic issue.
Sereno replied on April 11, 2014 with:
For some time the Dominican Gov. has told illegals that they must conform to the law just like all other countries require. I know a lot of expats that entered the D.R. on a 30 day tourist card and have been here for years illegally. I really have to wonder what will happen to them and their property if/when they are caught and deported? http://www.dominicantoday. Regularize or leave, top official warns illegal foreigners Santo Domingo.- Interior and Police minister José Ramón Fadul warned Thursday that foreigners residing illegally must leave the country if they fail to register for the Regularization Plan by June 1. He said all undocumented foreigners must adhere to Dominican Republic’s immigration laws. "There are 18 immigration categories, so we’ll open the regularisation plan that will be more positive and transparent to gain the people’s confidence and go to the places to register in the plan and regularize their status." Fadul said the idea is to fulfill all procedures and work in coordination with the churches, neighborhood groups and social organizations, “so that no one is abused.” "Those who fail to submit to the Regularisation Plan will be illegal and must return to their country, that’s elementary. I ask what country in the world allows the illegal to stay," he said. He denied that international organizations and pro Haiti sectors press the Government. “Nobody pressures President Medina, as he said in his speech during CELAC in Havana, neither big nor small, we’re a sovereign country."
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Ltindal replied to the thread Is it really so bad?? on the Dominican Republic forum:
concreteman initially posted:
Really? Nearly every post has someone telling you about how you will be screwed out of everything you own. Are Dominicans such bad people? I lived in Mexico for 6 months a ways back and loved it. meet many great locals and really don't recall a bad day there. Does anyone have a good life there or are you all there loving the weather and hating the country? I hope not, it would ruin my plans for the future. I have been searching the Caribbean via forums and other reading sources as to where a good place to live may be and have it down to 3 or 4 choices. The DR is one of them. In the next 2 years we will start traveling to these areas to see what we think. Someone give me some hope please...but be honest. Thx
Ltindal replied on April 09, 2014 with:
In my previous reply, I stated that there is much more you will need to know, knowing that others in the exchange would try as I did to help you. It is best that you find my comments harsh in advance, rather than being here and discovering the truth, which is what Sereno and I were telling you. Good Luck.
Sereno replied on April 09, 2014 with:
As I said in your other thread. Go to the Dominican Consulate near you and get the current information first hand while still in the U.S. Don't be afraid to ask questions to clarify if you or your husband don't understand fully. Relying on me or others telling you what your Dominican husband needs in order to repatriate with you and children is most likely going to get confusing with different/old/not applicable/wrong information. If we from the U.S. can do it.... so can you. Maybe a lot easier. We can hope. LOL. Good luck. Sereno
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Sereno replied to the thread Things to do. on the Dominican Republic forum:
Sereno initially posted:
Any place in the world will have things to do. The D.R. is NOT just the A.I's and tourist areas. Some out of the way places that are not promoted tourist places are safe and have so much to offer. You just have to find them. My wife and self trailer up into the hills and mountains with two horses and we ride for hours seeing areas that few expats see and meeting folks that live off the land. They are so warm and inviting when we stop What ever they have to offer IS offered. We soon will do our first treck from the north coast to Jarabacoa. It has taken a couple of years (Yes it has) to put this riding trip together and make it work for riding in a great NON tourist area that we have visited on foot and car before. Very exciting for us. I know many other non-tourist areas to visit and we hope to venture more soon but it does take some planning. POINT. Plan and get OUT of the tourist areas, experience the remote areas and good people with a simple life but so much to show you. No hot showers if they even have running water. Finding a room out in the middle of no-where can be done. Bring coffee and sugar and you set. Just sharing some thoughts tonight. Sereno
Sereno replied on April 09, 2014 with:
PS. A few years ago we had a trainer for a South American country Pan Am equestrian team stay with us. His father trained before him. We shared lots of stories. While I was working my horse one day he asked. "Sereno", do you see the World differently while riding your horse?" Answer: "If I didn't, I shouldn't be on a horse." He smiled. "Right answer." Amado heard that and he agrees. Seeing his own country on a horse has changed his prospective about some things. For the good. My wife goes to our friends country a couple of times a year on business and always spends a day visiting and riding with our friend. Seeing his Country while riding a horse. A different prospective that we love. :) Sereno
Sereno replied on April 09, 2014 with:
We did haul our horses to Jarabacoa a couple of weeks ago. Thought that I'd let you know how it went. The 2.5 hour drive was OK using the new Santiago bypass at a whopping 600 pesos each way. The highest toll since we had the car and trailer with 8 axils. Found the stable, and changed to another one the next day. It's a learning experience too. Two full days of riding, the 3rd day it was pouring rain so loaded up early and headed back home on the North Coast. We had our main man and like a son Amado with us so we rented a "tourist" horse for him and a guide. Just watching Amado was a real hoot as he experienced his own Country on a horse. The riding in the mountains, the views, small villages and the people in this area were awesome. The best riding and experience that we have done in years. We have also trailered up into our local hills, very rural, to ride and visit with past friends that greet us with open arms. One place way out yonder, the older woman saw us coming and got the wood fire going to make us coffee before we arrived. How's that for a greeting? We are planning another trip to Jarabacoa soon for longer rides and perhaps camping out? Much more fun then the AI's, cities, tourist places, gringo places and attractions that we did do years ago and moved on to finding and enjoying so much more. Enjoy. Sereno
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Expat ArticlesArticle Summary: Did you know that you have to have residency to drive a car after you've been in the Dominican Republic for 30 days? Did you know that call centers are a main source of jobs in the Dominican Republic? Continue reading to get advice for expats in the Dominican Republic. (Continue)
karenmmm replied most recently with:
Purchased a home in gasque back in the mid 90s. We moved because the tap water was toxic, reported in the local papers to be full of fecal matter, etc. We of course only drank bottled water, but over time felt the effects. Aside from that, loved it there. Nice people, but a rather high COL. I never had any problems driving well past 30 days on my US license. One problem encountered when selling is that they had capitol controls, so good luck in getting your money out. I was able to transfer mine to another account though, so we were able to move to Costa Rica which was wonderful until they recently started double taxing expats on their out of country earnings.
A reader replied recently with:
Hi, Can I call you regarding questions I have about moving to Domica Republic.
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Sereno replied to the thread Home Health Aides/Agency on the Dominican Republic forum:
clarasmit initially posted:
Hello we are traveling to Domenican Republic next month and one person in our party will require a home health aide for several hours each day for the week we are there. I have been unable to find any information about services we can use while there. We are staying at hardrock casino. Thank you for whatever info you can provide
Sereno replied most recently with:
Nursing and home attendants are different here in the D.R. and usually done by family or close friends. I suggest that you call the Hotel and talk with the General Manager or front desk manager and explain your situation and level of care desired. Perhaps they can find some employees that could help during their off hours. Don't leave anything of value and DO check to see the attendant is doing what they are suppose to do .... and that they are in the room/area with the person needing the care. Don't be surprised if they are gone. Don't tell them where you are going or when you will be returning. More like; "we are going out for a few hours." Make sure that you and person have a cell phones that work here and call often. Your person calling the front desk is not a good idea as the main contact. Good luck. Sereno
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