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“‘Mexico’ Mike Nelson is a gringo who knows more about Mexico than
most Mexicans.”
—Contenido
LIVE BETTER
South of the Border
IN MEXICO
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FM+.LiveBetter 6/10/05 2:22 PM Page v
EDITION
LIVE BETTER
South of the Border
IN MEXICO
PRACTICAL ADVICE FOR LIVING AND WORKING
TM
“Mexico” Mike Nelson
Fulcrum Publishing
Golden, Colorado
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EDITION
“Mexico” Mike Nelson was born in 1950 in Las Cruces, New Mexico. He’s lived
in both Peru and Mexico. The Mexican magazine Contenido said of him,
“Mexico Mike is a gringo who knows Mexico better than most Mexicans.” In
1977, after a stint as a staff writer on The South American Explorer Magazine
(Lima, Peru), he paddled a dugout canoe alone up part of the Amazon River.
This adventure ended when he got heatstroke and was saved by a kindly
native. He gave up jungle exploring in 1979 in Honduras. In 1999, his brief,
ill-fated attempt at bullfighting lasted for two bulls and he was nearly gored.
Since then, he has concentrated on less-dangerous pursuits, such as writing.
A rolling stone, he has called several cities and states home: Los Angeles,
San Diego, and San Francisco, California; New Orleans, Louisiana; Memphis,
Tennessee; Austin, Edinburg, Galveston, and McAllen, Texas; and Seattle,
Washington.
“Mexico” Mike has published fifteen books, mostly about Mexico, ranging
from social observations to travel. He was an internationally syndicated news-
paper columnist, with his work appearing in The McAllen Monitor (Texas), The
News (Mexico City), Attención (San Miguel de Allende, Mexico), and The
Coastal Current (South Padre Island, Texas). Because of his extensive knowl-
edge of Mexico, he has been profiled in dozens of newspapers and magazines,
including The Wall Street Journal, The New York Times, Texas Monthly, The
Guardian (Manchester, England), The News (Mexico City), Attención (San
Miguel de Allende, Mexico), the American Airlines in-flight magazine, and
more.
He was the official media spokesperson for Mexico’s Ministry of Tourism
and has been interviewed on many dozens of radio and TV stations in the
United States, Canada, and Mexico.
In recent years, he has devoted much time to the founding and operation
of a nonprofit support group for people with the emotional challenge of
getting rid of stuff, Clutterless Recovery Groups. He is the executive director
of this organization.
He currently lives with his dog, Fluffy, near McAllen, Texas.
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Fulcrum Publishing
16100 Table Mountain Parkway, Suite 300
Golden, Colorado 80403
(800) 992-2908 • (303) 277-1623
www.fulcrum-books.com
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Contents
Preface . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .xv
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
Don’t Go If … . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .28
Do Go If … . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29
NOT ALL IS SWEETNESS AND LIGHT . . . . . . . . . . . . . . . . .29
CONTENTS
X
x
LIVE BETTER South of the Border IN MEXICO
Legal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .63
Illegal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .68
CONTENTS
xi
CONTENTS
xii
Housing in Mexico . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .104
LIVE BETTER South of the Border IN MEXICO
Realtors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .116
Closing Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .116
The Fideicomiso, or Bank Trust . . . . . . . . . . . . . . . . . . .117
Squatters . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .118
Notario Publicos . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .118
MOVING YOUR STUFF . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .119
CONTENTS
xiii
CONTENTS
xiv
Mazatlán, Sinaloa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .204
LIVE BETTER South of the Border IN MEXICO
xv
Preface
Here is an example of how living in Mexico is different from living in the
United States or Canada, contributed by a longtime friend, Sherry McFarlane,
now living in San Miguel de Allende, Guanajuato. She gives folk art tours of
Mexico that are head and shoulders above anyone else’s. Contact her at
mexfolkart@hotmail.com.
PREFACE
xvi
LIVE BETTER South of the Border IN MEXICO
Introduction
Today there are many books on the market about living in Mexico. Some of
them are written by friends of mine. Some of them are good. So why should
you buy this one? We buy books that speak to us, that speak our language.
Mine is not the only good one. What I offer you, the reader, is a very personal
and yet very objective overview of what living in Mexico is like and why it may
or may not be for you.
Hundreds of thousands of loyal readers have bought my Mexico books
throughout the more than twenty years I’ve been writing about this perplexing
and fascinating country. I’d like to think that, as you read, you feel as if you
are my friend, my brother, or my sister. I will never knowingly steer you wrong.
What I believe I bring to the table, your table, is honesty, humor, and insight. I
no longer do “travel” writing. I try to bring the discipline of a journalist to
whatever I do. Sure, I do accentuate the positive, since that is my nature, but I
believe you should also be aware of the negative. Instead of hyperbole, I give
you objectivity.
Buying this book doesn’t preclude you from buying someone else’s as
well. You are considering a major change in your life. Invest in yourself. Take
what you need from my books and leave the rest. In the final tally you are the
real expert, you know what is right for you. I am only a guide. Follow your
heart and your dreams and you can’t go wrong.
Since the last edition of this book was published, much has changed and
much has remained the same. New cities have been added to better assist
those of you who will be transferred by your companies, and, more impor-
tantly, information about working and doing business in Mexico is a major
addition to this edition. I have also included a cost-of-living calculator for most
cities and towns gringos consider, as well as a chart of estimated living costs.
Mexico will always be Mexico. It will always be unique. People’s reasons for
moving there ebb and flow with the times. When I wrote the first edition, the
United States was in the midst of terrible downsizing by corporate America.
Many people moved to Mexico to find a new way of life. Meanwhile, the Amer-
ican economy (and Mexico’s) then went through a period of expansion. And
yet today we’re back to hearing “downsizing” in the daily news. People are
again searching for another way to live. For many, Mexico answers that call.
Mexico isn’t for everyone, but it’s perfect for many. Much of the advice
I wrote in previous editions remains the same. By all means, if Mexico
is for you, move! But some people won’t like it.
What I’ve endeavored to do—and what sets my writing apart
from many others—is to give you both the good and the hard-to-adjust-
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INTRODUCTION
2
LIVE BETTER South of the Border IN MEXICO
to facets of living in Mexico. Living there is not for everyone, and you
deserve to have the facts in order to make an intelligent decision. If
Mexico is indeed for you, you’ll find tools here to know what to expect
and what adaptations you’ll want to make to be happy.
Cost has always been a factor in people’s decisions to move to Mexico. It still
makes economic sense to live there if your income is limited or you have
retired. However, living there may be more expensive than you think.
There are a variety of lifestyles in Mexico for the cost conscious. The
Mexican government has decided that a foreigner needs to have a monthly
income of $1,000, single, or $1,500, couple, to officially live in Mexico. That is
right in the middle of the truth. You can be comfortable on those amounts. If
you are frugal, you can live on $600 to $800, single, or $800 to $1,200, couple,
a month, but not like a king or queen, as some would have you believe—it will
be a challenge. If you have a monthly income of around $2,500, single, or
$3,500, couple, you can definitely live like a prince or princess.
Costs have risen since the last edition. But please, don’t just think in
terms of money when considering moving. Money is always important, but
what is more important is your lifestyle and general standard of living. You will
find that the pace of life and the warmth of the people are the real attractions
to living in Mexico.
As many expats have said, “It’s not that I live so much more cheaply in
Mexico, it’s that I live so much better.”
Can you live on $600 a month? I know people who do, but it takes a
frugal mind-set. Can you live on $1,000 a month? Yes, but you would have to
choose your place to live and your lifestyle with care. Can you live on $1,500 a
month? Absolutely! A couple could get by on that amount, but more likely
couples should expect to spend about $2,000 a month to live a happy life.
Burst your bubble? That’s not my intention. Two thousand dollars a
month is $24,000 a year. You have to take things in perspective. Rather than
pick an amount to spend, why not take a careful inventory of what you’re
living on now? Then deduct about 20 percent. That is how much less expen-
sively you can live in Mexico by making a few adjustments to your lifestyle.
Housing is always the biggest cost of living. Depending on the location,
you can buy a two-bedroom house for anywhere from $60,000 to $250,000.
That’s quite a spread. But think about it. If someone asked you how much a
house costs in the United States, the first thing you would ask is, “In what
state?” California is much more expensive than Nebraska. So it is in Mexico.
Cancún, Cozumel, Mexico City, and Monterrey are expensive. Most of Baja is
priced similarly to California, San Miguel de Allende is in the middle, and
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INTRODUCTION
3
As I say in the book, there are people who swear they can rent an apart-
ment for $250 to $300 a month almost anywhere in Mexico, but it’s unrealistic
for most. Generally, for a decent place rents will vary from $400 a month
(which is rare in gringo settlements where the bottom line is more likely to be
$600) to $1,500 a month (for a middle-class, one-bedroom apartment or
condo on the lower end to a middle-class two-bedroom house on the higher
end), depending on where you live. In out-of-the-way locales, it is still possible
to rent a house (a one-bedroom comfortable house or condolike apartment)
for as little as $400, with a little luck and connections.
BUYING A HOUSE
Buying a house, to my way of thinking, is not cheap. Most people pay about
$90,000 to $140,000 for a home in a gringo town. However, property taxes are
a huge savings. If you pay more than $500 a year, you are living in a mansion.
What will be considerably less expensive for you is anything that requires
labor. Maids, gardeners, repairmen, etc., will always cost less in Mexico than in
the United States. This could be a big improvement to your style of living
that’s unattainable at home.
FOOD
Food, in general (excluding imported items), could cost a bit less, but unless
you eat more fresh vegetables, will probably be close to what you’re paying
now. Dining out isn’t expensive. You can find good, filling meals in most loca-
tions for $6 to $12 per person. You probably spend that much at a fast-food
place here. Speaking of fast-food, most of the well-known chains are in Mexico,
though they are more expensive than Mexican family–owned restaurants.
SAFETY
Safety is another concern, at least in the minds of Americans who are inun-
dated by stories of kidnappings and such taking place in Mexico. Your chances
of getting kidnapped are so slim they are not worth worrying about. Megarich
Mexicans and Americans are kidnappers’ targets; you and I are not.
I really get a bee in my bonnet when someone rants about terrorists and
their connections to Mexico. Sure, some enter the United States via Mexico,
but the likelihood of a terrorist act in Mexico is much slimmer than in the
States. (By the way, Mexico took a neutral stance on the war in Iraq.)
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INTRODUCTION
4
CHILDREN
LIVE BETTER South of the Border IN MEXICO
Children are safer in Mexico than in the United States. Mexicans don’t have to
have the paranoia that we have about molesters, kidnappers, or other bad
people. It is still common in smaller towns, and to an extent in cities, for chil-
dren to play happily in the zócalo, or town square (you’ll learn a little Spanish in
these pages), unsupervised. They still walk home from school.
If you move with your children, you’ll find public schools for them to
attend that are safe, and except in large cities such as Mexico City, Guadalajara,
and Monterrey, nearly completely free of gang influences. Any town with a popu-
lation of Americans working there will offer Montessori schools and other
private schools that teach in English. The cost to attend these schools in Mexico
will be considerably less than you’d have to pay at home.
MEDICAL CARE
Medical care is a major reason why many people move to Mexico, especially for
those without insurance. Even health insurance is cheaper in Mexico. Many
advances have been made in Mexican medical care, and there are more
resources for you to check out before you go. There are hospitals that are just as
good, and in some ways better, than hospitals in the United States and Canada.
If your major expense at home is medical care, by all means, figure that in
Mexico you can pay at least half of what you are paying in the United States.
Internet and telephone connections have changed dramatically, for the better. In
many cases it is now possible to conduct an online business from Mexico, though
I’d still be wary of living via stock market trading (which I have done many times).
With all the advances in phone services, your Internet connection (usually via
digital subcriber line, or DSL) will still not be as dependable as it is in Canada or
the States. But now you can also get a new telephone line for a new house in a
matter of days or weeks instead of spending months in frustration.
Yes, there is a lot that has changed in this edition. What has not changed is my
personal style of writing. I talk to you as if we were talking in my living room,
peppering the chapters with personal stories about what it’s really like to live and
travel in Mexico.
If you need more guidance about driving through, moving to, or working in
Mexico, you can call me at 888-234-3452 or e-mail mexicomikenelson23@mexico
mike.com. I make a living from services such as this, so only call if you are serious
and are willing to pay me for my time. Thank you for taking the journey to a new
life with me.
—“Mexico” Mike
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5
Part One
THE YIN
AND YANG
of Living
IN MEXICO
HOW MEXICANS FEEL ABOUT AMERICANS
Wenn nämlich die Jungfrau bei der Hochzeit die Schwelle des Hauses
ihres Gatten überschritt, mußte sie zuvor die Pfosten mit Wolle
umwinden und mit Öl oder Fett salben (ungere). Ein weiterer
Zuname war Cinxia, weil der Leib der neuvermählten Jungfrau mit
einem wollenen Gürtel gebunden war, dessen Knoten der Bräutigam
zu lösen hatte.
Man sieht also, wie die Römer den Akt der Begattung bis aufs
einzelste analysierten und besondere Genien darfür aufstellten.
Neu erhebt sich die Sonne und endet sich alt im Winter;
Gleich ist der Anfang, den nimmt Phöbus zugleich mit dem Jahr. –
Aber warum bist du im Frieden verborgen, und warum eröffnest du
deinen Tempel bei erregten Kriegen? Er weilte nicht; vom Gefragten
gab er mir den Grund an. – Damit dem Volke, wenn es zum Krieg
geeilt ist, die Rückkehr offen stehe, steht auch meine Thür offen und
das Schloß ist hinweg. Im Frieden verschließ' ich die Thore, damit
nirgends der Ausgang vergönnt sei; und lange werde ich unter
Cäsars göttlichem Schutze verschlossen bleiben. Sprachs, und
erhebend die Augen, die hier und dort hinblickten, sah er alles, was
auf dem weiten Erdkreise lebte. Friede wars, und schon hatte der
Rhein, die Ursache deines Triumphs, Germanikus! dir seinen Strom
zur Knechtschaft übergeben. O Janus, mache ewig den Frieden, und
ewig dauernd die Friedensstifter; und gewähre, daß der Dichter sein
Werk nicht unvollendet lasse!“
Als solcher eröffnet er einen ganzen Zug, den Feldbau, Weinbau und
die Viehzucht beschützender Götter und Göttinnen.
Daß C e r e s sehr früh rezipiert worden, bezeugt Cicero (p. Balb. 24):
„Den Dienst der Ceres“, sagt er, „haben unsere Altvordern mit großer
Reinheit und Heiligkeit besorgt wissen wollen. Da er aus
Griechenland entlehnt war, so wurde er auch immer durch
griechische Priesterinnen ausgeübt, und alles mit griechischen
Namen benannt. Wenn aber die Person, welche den Ritus angab und
verrichtete, immerhin aus Griechenland berufen wurde, so wollten
sie dennoch, daß dieselbe die Opfer, die zum Heile der Bürger
gebracht wurden, auch als Bürgerin verrichte, um die unsterblichen
Götter zwar mit fremder Kenntnis aber doch mit eigener und
einheimischer Frömmigkeit zu verehren. Ich finde, daß diese
Priesterinnen gewöhnlich aus Neapel oder Velia verschrieben
wurden, welche Staaten ohne Zweifel damals mit Rom im Bündnis
standen.“
Das Wort Liber „frei“ scheint anzudeuten, daß die Sendung des
Bacchus im Sinne einer freieren Lebensführung aufgefaßt wurde. An
seinem Feste, den Liberalien wechselten die geschlechtsreif
gewordenen jungen Römer ihr kindliches Kleid mit der männlichen
Toga. Auffällig ist auch, daß liberi die Kinder und liberi die Freien ein
lateinisches Wort sind, wie Hartung, Religion der Römer S. 138,
bemerkt, „hat um der guten Vorbedeutung willen das Volk, dem die
Freiheit für das höchste Gut des Lebens galt, die Kinder mit diesem
Namen bezeichnet.“ Varro freilich deutet das Wort auf den
zügellosen Liebesgenuß und die Ausgelassenheit, die bei der
Verehrung dieser Gottheiten üblich war, in sehr drastischer
Ausdrucksform („Liber“, qui marem effuso semine liberat, Augustin
VII. 2). Allerdings nahm sein Kultus in Italien, zumal in Süditalien,
eine mindestens so zügellose Wendung, wie der Bacchus- und
Dionysos-Kult in Griechenland.
Man nannte die unzüchtigen Lieder und Verse, die bei diesen Festen
improvisiert wurden, f e s c e n n i n i s c h; vermutlich hängt das Wort
zusammen mit fascinum = Phallus (italienisch fescina, zugleich ein
phallusartig geformter Korb zum Traubenpflücken[628]). Jedenfalls ist
diese Ableitung natürlicher, als die bisher bei den Philologen beliebte
von der in Unteritalien belegenen Stadt Fescennium (Georges'
Lexikon).
Die geistreichsten Verse der Art hat wohl ein Zeitgenosse Bruno's,
der neapolitanische Dichter Ta n s i l l o in seinem aus
formvollendeten Ottave Rime bestehenden „Winzer“
(vendemmiatore) gedichtet; er entschuldigt ihren allerdings
bedenklich obscönen Inhalt in der Vorrede, wie folgt: „In jedem
anderen Lande, als dem meinen, wohin diese Reime gebracht
würden, würden sie ihre Anmut verlieren, wenn sie solche überhaupt
besitzen; und dies zumal, wenn sie Leuten in die Hände fielen, die
den B r a u c h m e i n e r H e i m a t nicht kennen. Dieser Brauch
gestattet nämlich zur Zeit der Weinlese dem niedrigsten Arbeiter,
dem vornehmsten Herrn und der vornehmsten Dame die gröbsten
Anstößigkeiten zu sagen, zumal wenn er (der Winzer) auf der Leiter
an einem Baum[629] steht und die Trauben pflückt und die nun
zufällig Vorüberkommenden anredet, und in dieser Situation ist mein
Winzer zu denken, der die Trauben schneidet und den unten
stehenden Frauen zuwirft.“
Mit der griechischen Afrodite hat eine Ähnlichkeit die römische Göttin
der B l ü t e n und Blumen, F l o r a.
Um der Ehe Glück und Segen zu verbürgen, mußte sich sogar die
Braut vor der Hochzeitsnacht auf den kolossalen Fascinus am Herde
setzen. Daß die sog. fescenninischen Verse ihre Bezeichnung dem
Fascinus verdanken, also nur ein anderes Wort für Priapejen sind,
wurde schon erwähnt. Praefiscine, die Anrufung des Fascinus, war
der übliche Ausruf der Römer, wenn sie etwas lobten oder für gut
befanden, und hatte etwa die Bedeutung der deutschen
Volksredensart: „Unberufen, unbeschrieen, dreimal unter'm Tisch
geklopft!“
Kaum ein anderes Wort ist mit verschiedeneren Ideeen und Gefühlen
je nach Zeit, Ort, Rasse, Kulturentwickelung und endlich
Individualität vergesellschaftet, als das kaum noch eine bestimmte
Definition zulassende Wort „Religion“. Ein feinfühliger Christ wird mit
vollem Rechte dieses Wort als mißbräuchlich angewandt bezeichnen
auf ein Göttersystem, wie das in diesem Kapitel skizzierte römische,
das sich bis zur Vergöttlichung von Freudenmädchen verstiegen
habe. Er mag eben durch den Kontrast die geistige Höhe des
Christentums um so angemessener schätzen lernen.
Allein er darf sich dadurch nicht zu einem ungerechten Urteil über
die sittliche Bedeutung der heidnischen Religionen und der
römischen insbesondere hinreißen lassen.
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