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Maxxgold replied to the thread banks on the Ecuador forum on October 31, 2014:
nanblake initially posted:
ive been reading the forum about banks. How do you all handle social security monthly checks. direct deposit in a bank in the usa & then transfer funds to bank in Equador?? your responses are most appreciated!!
Maxxgold replied 1 hour ago with:
I've heard that it is a good idea to notify your bank that you plan to be abroad. Tell them where, Perhaps establish a few contacts at your bank and have a code word so they know it is you if you call.
ecuadorjoe replied on October 30, 2014 with:
Yes, it is possible. I have my money in TX. Bridg. and I just get my money on the ATM here because I am not sure yet what I want to do but the banks will charge you some for the widrawals.
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livefreebstrong replied to the thread Gasoline and keyboards on the Ecuador forum on October 31, 2014:
Coopeee initially posted:
Hi all. We just finished a three week trip within Ecuador. I came home without answers to two silly questions. First, what's up with the different grades of gasoline. Usually I saw two grades of gasoline sold. One was $1.48 and the other $2, and deisel was $1.02. Is the difference in gasoline the octane? And is that per gallon or liter? Those of you who drive, what are you using? Also, what's up with the keyboards I used in the hotels and hostels? Where is the @ key? Usually we had to ask and only got the @ after using a combination of keys? I'm sure I will think of more silly questions later :)
livefreebstrong replied 4 hours ago with:
Coopeee...yes. There were a couple of crazy economic upheavals in Ecuador's history. Frozen accounts..locked banks..your favorite teller on the run without giving you a high five first.. 1997-98. had an 7.3% contraction of GDP, annual year-on-year inflation of 52.2%, and a 65% devaluation of the national currency in 1999. Ouch. Lot's of people watched their life's savings disappear right before their eyes. Anyone who had savings in Sucres... The dollar was like gold in those days.
Coopeee replied on October 26, 2014 with:
While I was in the Galapagos, someone told me that the gasoline prices was quite high at one time. I believe he was trying to tell me it was $10 per gallon. Does anyone know anything about that? Was there an inflation problem prior to Ec going on the dollar?
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withoutego replied to the thread Stuff that's difficult to get in Ecuador? on the Ecuador forum:
ecuaart initially posted:
Making my shopping list and checking it thirty times...what is difficult to find or too expensive as compared to the USA? Wondering about the following: printer cartridges, decent makeup, sugar substitute or stevia.
withoutego replied on October 30, 2014 with:
Metal reamers (a tool)
OceanHideaway replied on October 30, 2014 with:
If there is something you cannot live without and it is small and packable, bring a 3 month supply. It will help you adjust until you can either find it here or find a decent substitute. On the make up question... Bring what you use now but be ready to try some new stuff: We are in Latin America, land of some of the most elegant women, and they wear makeup. Check out YanBal cosmetics, a staple here (find them online too) And ...the ladies room and salon... practice your Spaish and make friends...ask the most elegant ladis where they get their make up nad of course what salon they use. They will be flattered and they will share.
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Maxxgold replied to the thread Can't work and collect Social Security on the Ecuador Welcome Forum forum on October 30, 2014:
Maxxgold initially posted:
In my research for next year I found something about losing SS payments. I realize there is a cap on how much you can earn if you are not at full retirement age but this says you can't earn almost anything if you live outside the US. True? http://www.ssa.gov/pubs/EN-05-10137.pdf On page 16 and 17 "The foreign work test: We withhold benefits for each month a beneficiary younger than full retirement age works more than 45 hours outside the United States in employment or self-employment not subject to U.S. Social Security taxes. It does not matter how much you earned or how many hours you worked each day. We consider a person to be working any day he or she: • Works as an employee or self-employed person; • Has an agreement to work even if the person does not actually work because of sickness, vacation, etc.; or • Is the owner or part owner of a trade or business, even if the person does not actually work in the trade or business, or the person does not make any income from it."
Maxxgold replied on October 30, 2014 with:
Thank you Susan.
OceanHideaway replied on October 30, 2014 with:
You will want to contact a Social Security attorney to see how the law applies to you and your situation. Every situation is different and case law will define if and how this applies to you.
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OceanHideaway replied to the thread Border Collie Stud on the Ecuador Welcome Forum forum on October 30, 2014:
imbuffn initially posted:
We have an AKC 4 year old male Border Collie that needs to breed before we neuter him. He is extremely intelligent and is learning new tricks and routines each week. We don't know if there are any Border Collie bitches in the country or not.. We lived in Texas most our lives and for the last 4 years in Missouri so distance to breed is not something that can't be overcome. We are new to Ecuador and have been in Salinas since July. We plan a long term relationship with Ecuador and enjoy the coast. We are not against mixed breeds and we will consider breeding to other good conformation collie in addition to a registered Border Collie. If you know of anyone interested please have them message us.
OceanHideaway replied on October 30, 2014 with:
You want to check the http://www.aercan.com/ The AKC affiliate in Ecuador. You may also ned to lok outside Ecuador to Peru where there are also some fine breeders. Criadores are Breeders Handlers are of coure handlers You may also want to put up a message on OLX.com that you have a stud , but be VAGUE as to your loction and be SURE that you have an actual contact for breeding (you do not want your male stolen) Next you want to send a message out to sme of the larger veterinarians in Guayaquil, and Quito such as Lord Gua Gua Kennels Keep in mind that due to the regularity of the season most females (hembras) will come into season in September and February/March so you will eed to wait. Last, if there is no history of prostate or testicular cancer and no aggression issues, you can consider if you wish to request a vasectomy rather than castration for your male, a choice not always available in the USA for those of us who wish to have sterilization of our male dogs without change in character or look.
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OceanHideaway replied to the thread Family of 6 wants to move to Ecuador on the Ecuador Welcome Forum forum on October 30, 2014:
momof4cubs initially posted:
My husband and I are currently researching options to move to Ecuador. We have 4 children and have found little about young families who live in Ecuador. We currently live in Southern California and while we know moving to Ecuador will be a huge transition, we are all open to it. We need a lower cost of living and we want our children to really open their eyes to how another culture lives. With the reliance on video games and TV, we feel it's important they learn the lesson of a broader world view. So my question is, basically what can anyone tell us about a young family's projected cost of living in Ecuador? What are the requirements for a Visa if my husband works online for an American-based company? We're looking at Quito, Manta and Cuenca for possible cities to live in. What are the best ways to find a rental without being gringo-gouged? I speak intermediate Spanish and plan on continuing that while waiting to move as well as introducing my children to it. Any information would be greatly appreciated!
OceanHideaway replied on October 30, 2014 with:
You may want to hook up with Dana Cameron AGUA_PLATA@hotmail.com for two reasons... First...she is the best when it comes to being a visa facilitator...and can actualy give you some solid answers to your questions about VISAs you and your husband can qualify for. Second...she has been raising her daughers here for over a decade. They are amazing young women in their late teens and arly 20's now (and a sone who has headed bck to the States to care for grandmother). So you have someone who will tell you the nitty gritty of raising kids in a developing country. Tell her Susan suggested you caontact her and that you are on the Expat Exchange. You might also consider the coast. Lots of young families here from around the world with the same idea as you. I{ve watched a whole bunch of the growing up in around Montanita during the past 8 years... it's pretty amazing.
Gears2014 replied on October 30, 2014 with:
Yah, i've had a few names. Bitterness will eat you alive. I'm just helping others where morons like you won't.
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OceanHideaway replied to the thread Discount travel question on the Ecuador forum on October 30, 2014:
mappam initially posted:
We are seniors and wondered if we can buy (at our discounted prices) tickets for our son to visit? It would be a Christmas Gift to him and we would be paying. Anyone know of a travel agency that speaks english? THANKS!
OceanHideaway replied on October 30, 2014 with:
Since Mappam{s son would need to present his passport to USE the senior discount... he would be caught as would his parents for defrauding the government... Best case, they would politely request that he pay for the entire full price ticket. Worst case... well... Ecuador takes misuse of their tercera edad benefits very seriously... Nice catch justathought and GringoinQuito ...and what a surprise...mappam is in...Cuenca Please remember this isn{t Kansas Your "just wondering how you might be able to screw with the system" to save a little extra of the money you have, funds that exceed th common Ecuadoria by a power of 100s is ...downright pathetic and really really being an Ugly American.
ecuadorjoe replied on October 30, 2014 with:
YES Sir, I understand that there are TWO SEPARATE ISSUES and I addressed them bot separately but I will make it simpler: 1. I am also at the age where I am eligible for the discount travel, Last August I wanted to fly from Quito to Guayaquil with my girlfriend and her young son. Went to the travel agency located in the same building as the MEGAMAXI in Quito and asked about receiving a 50% discount for the 3rd age, I was told by the travel agent it was not possible. 2. My other comment re: Dealing with the airline I found that dealing with airline directly I got a better price than using discount that is available to me. That is all no less no more.
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jrmp replied to the thread Opening a bank account while on a 6 months visa on the Ecuador forum on October 30, 2014:
jrmp initially posted:
Will be arriving next week for 6 months. Is it in any way possible to open an account while on this type of visa. And if so which bank would you recommend? Thank you
jrmp replied on October 30, 2014 with:
Thanks Lional I'm glad that it can be done using my passport. Can you recommend a specific bank because when I was there in September I tried to do it at the Pichincha Bank but they told me that I needed some document from the government ?
lional replied on October 30, 2014 with:
Yes you can open a savings account. You will be required to supply at least two letters of reference (some ask for three). Generally your landlord can help with that. They should be Ecuadorian and the letters will need to be in Spanish.
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pilihermosa replied to the thread Solar on the Ecuador Welcome Forum forum on October 30, 2014:
greenmountain initially posted:
Looking at property ads in Ecuador I see many places called solar and solares. I'm familiar with hectares, acres, and now cuadras, but not a solar. Could someone tell me what a solar is? Thanks.
pilihermosa replied on October 30, 2014 with:
Hi Solar is the way people here in Cuenca tells a piece of land, have nothing to do with the size .
icemeister replied on October 30, 2014 with:
Solar means lot or parcel, like in a building lot.
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imbuffn replied to the thread Opening a new bank account on the Ecuador Welcome Forum forum on October 30, 2014:
thebackdoctor initially posted:
I've been reading a lot lately about how difficult it is to open a bank account for US expats in Panama because of the new requirements of the US. Is this true in Ecuador also? Is it difficult to open a new account there?
imbuffn replied on October 30, 2014 with:
I live in Salinas. Opening an account with the Bank of Guayaquil was a very short visit. I visited on a Thursday and asked what I needed to bring. A copy of my cedula, a copy of a utility bill I paid (it didn't have to be in my name just prove I paid it) and a receipt made out to me for the place I rented and $200. That took me 3 minutes on Thursday. (I am over 65 so I was asked to go to the head of the line.) On Friday at 10 am I went back, and was ushered to the head of the line again. I gave the lady my papers and $200. Seven minutes later I walked out with a savings account and a debit card. The other banks wanted references, rental agreements, etc. Bank of Guayaquil was a snap here in Salinas.
thebackdoctor replied on October 30, 2014 with:
Thanks for the replies. It sounds like it is much easier there than in Panama. Hopefully it will stay that way. Mostly I will be using it for direct deposit of my SS check. Each day gets me a step closer to actually making this move.
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