Archive for the 'Saving money' Category

How to buy a car in Guatemala.

Here’s how to buy a vehicle in Guatemala:

1. Find the vehicle you want.

First do your research to get a feel for what you need and what is quality.

Questions to ask yourself:

  1. Am I going to be in the mountains, the city, or where?
  2. Do I need a truck, 4×4, van, car, etc.
  3. How many people will I need to carry?

Here are some good resources to check or keep in mind:

  • Research
  • Key words:
    • Rodado = brought down from the U.S. (often had some sort of accident)
    • Agencia = made in or for Guatemala (often has speedometer in kilometers) (often valued higher than Rodado)
    • Tramitador = a person who helps with paperwork for various legal ranglings
    • Taller de mechanica = a mechanic shop
    • Frenos = brakes
    • Llantas = tires
    • Aciete = oil
    • Oxido = rust

Once you have a good feel for what you want and what brand you’re looking for, decide how much you are willing to pay. You can get a feel for what prices look like by visiting GPAutos. Keep in mind that you can usually bargain the prices down once you find a car you like.

Finding the right vehicle isn’t always as easy as you’d think. Depending on where you are in Guatemala there are a few options:

    • Guatemalan vehicle sources
      • www.gpautos.net
      • Car lots
        • In Quetzaltenango
          • Check near the Rotunda (Marimba)
          • Check near Las Rosas and on the road to Salcaja
          • Check near the Rotunda de Tucu Numan and near the Airport/Justicia Rotunda
      • Prensa Libre Classified Ads
      • Individuals
        • In Quetzaltenango
          • Check with Victor at  importadora.rimasa@hotmail.com

2. Mechanic check

It is highly recommended that you have any vehicle checked by a mechanic. Especially if it’s used, this can save you a lot of time at the mechanic’s later. Ask around for a good mechanic from among the locals and you’ll find that it’s normal here for a used vehicle to visit the mechanic’s for a check before it’s purchased.

Have a trusted mechanic check the vehicle.

Things to have checked by the mechanic:

  1. Compression
  2. Transmission
  3. Oil
  4. Chassis (especially for rust)
  5. Card/motor/VIN number match
  6. Acceleration

ASK THE MECHANIC QUESTIONS! Use this time to ask about cost of changing spark plugs, oil, breaks, and cost for anything that needs fixed. Also ask how much the mechanic thinks is a good price for this vehicle and if it would serve well where you’re going to be using it most. (BE WARE that some mechanics won’t talk candidly with you unless you are not in front of the vehicle owner. Get a private moment with the mechanic to get their real opinion.

Some mechanic’s do this car check for free (rare) while others charge from Q40 to Q250 for this service. Ask before hand so you know what you’re getting into!

3. Negotiating

So you’ve found “THE” car! Great! Now you need to negotiate a good price. Since this is Guatemala, it really helps if you speak Spanish. If you don’t get someone who can translate for you to help you out.

Start low and build up to our ultimate price. For example. if the seller initially asked for Q70,000 you can ask what’s the best price he’ll give you. I did this once and received an immediate discount to Q55,000. That’s the real asking price, but is still negotiable.

You may then make a low ball offer and gradually work your way up to your final price especially if you see them coming down a little. This takes some work but with some practice you can get a good feel for this.

TIP: I often ask the mechanic who checked the vehicle how much he thinks would be a good price for the vehicle so I have a good idea of what it’s actually worth. Checking on GPAutos is also a good idea because you can compare your favorite with others that are similar.
4. The Buy

Once you settle on a price, the paperwork begins.

NOTE: U.S. dollars in cash are not king here. Most banks here have limits on how many U.S. cash dollars they will exchange from one individual per month. (Often about $2,000) So, if you have an account at a bank here, it’s best to deposit by checks or to gradually deposit your cash before the purchase. If you try to go over the limit, they’ll often reduce the rate of exchange so you’ll lose out on money. You can also ask the seller if they’ll accept U.S. cash at a good exchange rate.

If you have not done it yet, ask if the owner has the title in his/her name. If they say “yes!” that’s great and will simplify things. If they say that everything is in order, then it probably means that it’s not in their name but they’ve got copies of the owner’s ID so you can have the paperwork done.

QUESTIONS TO ASK:

1. Is the vehicle title in your name?

2. Do you have a new trajeta de circulation (should be blue or green NOT white)

3. Are there any outstanding traffic violations that need to be paid.  (Have they checked the SAT website to make sure there are no tickets?)

4. Do the numbers on the Trajeta de Circulation match the VIN and Chassis/Motor numbers on the vehicle? (Make sure they do!)

5. Are taxes paid through the current year? (Check the window sticker for reference.)

If it’s not a dealer, you’ll probably want a tramitador to help with the paper. Ask around before you start negotiating so you can recommend a tramitador whom you trust at this point.

The tramitador will check the papers to make sure all is in order. They can help you walk through this process.

Once all is set on the paperwork, proceed to pay for the vehicle.

###############################

Other things to consider:

 

Insurance

  • http://www.segurosgyt.com.gt/seguros/gyt/gytPautos01

How to Make Brown Sugar

My husband loves cookies, but most of his favorite recipes call for brown sugar. Here in Guatemala we haven’t found a good source for brown sugar that is like what we could get in the states. Oh, they have brown colored sugar that they sell in the Dispensa Familiar for about US$1.60 for a bag but it’s not the same. Recently, we discovered that we can make brown sugar on our own!

First you have to find molasses. We asked around and found two sources:
1) Guatemala City

There’s a little baking supply shop in San Cristobal in the shopping center located on the opposite side of the boulevard from Burger King/Cemaco. I don’t have the name right now, but I’ll try to add it later.

They charge by the pound for the molasses (about Q15/lb.) but that’ll make a bunch of brown sugar!
2) Quetzaltenango (Xela)

The Bake Shop is at 18 Av 1-40, Zone 3. Hours are 9am-6pm, Tuesday and Friday.

I’ve heard they have molasses but I don’t know the pricing.

Molasses and a cup of white sugar ready for combination!

Once you have your molasses on hand here’s the recipe:

1 cup of white sugar (non-sulfurized is best but you can use regular granulated sugar)

1 tablespoon of molasses

Mix these together. (You can add more or less of the molasses to have darker or lighter results.)

I found that the molasses kinda balls up in the sugar but a fork will mash it against the side of the bowl and mix it in really nicely!

Pour one tablespoon of molasses into one cup of sugar.

 

Use a fork or mixer to mash the molasses into the sugar until it is well mixed and fluffy!.

After you get the mix you like, store the fresh brown sugar in an airtight container, place on top of oatmeal, or mix up your next batch of cookies!

Fluffy new brown sugar on our oatmeal cereal breakfast!

 

I got this idea from Joy the Baker!

Speciality baby supplies in Guatemala

I found a place to get speciality baby supplies (including breast pumps) in Guatemala! They continually have a variety of products and can ship items across the country very quickly!

Check it out at Babby Place (sic) on Facebook and get the baby items you need! You can email them at babyplacegt@hotmail.com to request something if you don’t see it on their Facebook site.

After my baby was born at a natural childbirth clinic in Guatemala City, I found that I needed a breast pump and they’re not easy to find in Guatemala. Thanks to La Leche League leaders in Xela, I found out about Babby Place and was able to have a shipped to me in just a few days! I paid through a money transfer at a local BanRural Bank. Just be aware that the shipping is sent as a pay-on-delivery so it cost about Q40 to receive the package.

If you’re looking for a good connection to specialty baby products and you’re in Guatemala, give Babby Place a try.

International Health Insurance for Expatriates

We live abroad and we want international health insurance for our family. While companies that provide international health insurance are many, we wanted something that provided some key options:

  • Reasonably good coverage (of course!)
  • Maternity coverage
  • A track record of good service to customers (see reviews)
  • A high deductible option,
  • Coverage inside and outside the U.S.,
  • Inexpensive, money-saving rates

We searched around, talked to fellow expatriates and discovered some options. Below is a break down on what we found.

(Spoiler!) After reviewing a number of options, we chose to go with IMG for these reasons:

  • Price ($200 less per month than previous insurance)
  • International experience and options
  • Maternity options

International insurance options we checked out:

 

 

Global Medical Insurance from IMG (International Medical Group) Continue reading ‘International Health Insurance for Expatriates’

Natural childbirth in Guatemala

Chrisi at the Chichicastenango municipal sign

Pregnant and moving to Guatemala

On January 28th of 2011, we moved to Guatemala to serve as missionaries when we were six months pregnant (about 25 weeks) with our first son. We wanted to have our son naturally, and we very quickly found out that this would be a bit difficult. With C-section rates at 80% in the private hospitals in Guatemala, we realized that we needed an alternative.  We started checking our options. We were studying Spanish in Xela so we checked out an APROFAM public clinic that has a birthing center, but it still wasn’t what we were looking for.  We did have an ultrasound and bloodwork done at APROFAM and every thing was looking great!

BabyBjorn Travel Light

Preparations

In Xela we prepped the baby’s bed by buying 5-inch mattress foam and cutting it to fit inside our BABYBJÖRN Travel Crib. We used three pieces and had them covered with regular sheet material we had purchased at Megapaca. A sostre or sewing guy, made the mattress cases with a zipper for us so we can change them as needed. The new mattresses gave 15 inches of lift to the modified play pen so our baby would be at a bassinet level and we can lower it as he gets bigger. Continue reading ‘Natural childbirth in Guatemala’

APROFAM Medical Clinic in Quetzaltenango

Are you an expatriate looking for a women’s health clinic in (Xela) Quetzaltenango, Guatemala? Maybe you’re a Spanish school student, missionary, or traveler needing some extra medical attention.

We moved to Xela for Spanish school and we also happened to be pregnant so we checked out the APROFAM (Asociacion Pro Bienestar de la Familia) Clinic. Since we were looking for a place to have our baby in Guatemala. Here’s what we thought…

Especially for women,  APROFAM provides a full-service clinic and mini-hospital complete with multiple in-house surgeons, doctors, overnight rooms and birthing facilities.

This clinic is part of a nation-wide clinic service and offers an all around good choice for locals and expatriates as well. Located on 3 Calle 7-02 Zona 1 in Quetzaltenango, Guatemala, APROFAM is just a few blocks from Parque Central (Central Park) just off of octava avenida (8th Ave.) Phone: 7765-3886 Continue reading ‘APROFAM Medical Clinic in Quetzaltenango’

Nais: Guatemala City’s Aquarium Restaurant

20110422-043940.jpg
At the new and high-tech Oakland Mall in Guatemala City (Diagonal 6 13-01 Zona 10) a unique restaurant named Nais S. A. provides more than a tasty meal. This restaurant provides unique entertainment for the entire family to enjoy.

In the center of the dining space is a large saltwater aquarium 128 feet long and lively with a good-sized shark, rays, moray eel, and a variety of other saltwater fish.

This mid-scale dining experience feels top notch because of the one-of-a-kind environment. The restaurant  includes a significant menu with prices ranging from about Q42 – Q100 (US$7 – US$13) per plate.

We dined on a large tasty burger, a chicken sandwich, fries, potato soup, and an all-you-can-drink soda for Q150 (US$ 19.97) including the tip. We didn’t try the fish.

This restaurant is great for your next family outing. Occasionally a diver passes by waving to the crowd and a glassed-in air bubble let’s adventurous diners stand inside the aquarium area for a photo with the fish or the diver. We hear it is a pretty exciting show during live feedings, but we didn’t get to observe this.

Refilling our soda with our own soda fountain wand!

Food was delivered to our table quickly and we didn’t have to stand in line. (We’ve read that people waited for more than an hour when Nais S.A. first opened at Oakland.) At first we thought the waiter was neglecting our refill on the soda. When we asked for a refill on our Sprite, he indicated a small cabinet on the wall. Inside this Coca-Cola branded cabinet was a soda fountain nozzle all for us! We could refill our soda until we were as full as the aquarium!20110422-051705.jpg
Seating on the main floor is booth style seats. On the other side of the aquarium the restaurant seating area continues with larger tables and the walls include smaller fishbowl aquariums house a number of jellyfish which are entertaining to watch.

So if you are looking for unique dining experience, Nais S. A. is the place to check out. Before or after dinner you can wander the stores of the six levels of Oakland Mall.

Bathrooms are kept clean and include a baby changing station.

Online donation options for non-profits

Several online payment services offer many useful tools for businesses and for non-profit organizations too!

As e-commerce becomes more and more common and is embraced by many as the norm. It is not time to sit back and wait for people to send checks to your organization. When it comes to fundraising, it is time to take that same ease of payments that for-profit organizations use and bring it into the non-profit world. Put online giving within easy reach of donors. Here’s a breakdown on three options for online donations.

Thanks to PayPal,  Amazon.com, and other sources like Facebook’s FundRazr App non-profits have the ability to collect individual donations or even schedule ongoing gifts with tools that e-consumers are already familiar with.

PAYPAL

PayPal Donate Button

PayPal Donate Button

PayPal offers several options that give non-profit organizations the ability to accept donations in a simple way that consumers are already use to using PayPal accounts or credit cards. See a guide on how to setup online donations on PayPal.

FEATURES:

PayPal features include:

  • Configure buttons and copy HTML code for use on your website or HTML websites
  • Enable one-time donations at donor-determined amounts,
  • Schedule regular online giving at pre-determined amounts and cycles
  • Management of funds
  • Auto receipt
  • Optional info collection for followup

DONATION ACCEPTED:

PayPal accepts donations from people with or without PayPal accounts through:

  • PayPal Account transfers
  • Credit Card Processing

COST?

With PayPal’s fee structure  you receive a discount if you verify your 501(c) 3 status. The regular rate is 2.9% + $0.30 but while the non-profit rate is just a wee bit less:

YOUR MONTHLY
DONATIONS
YOUR FEE PER
TRANSACTION
EXAMPLES
$0 to $100,000 2.2% + $0.30 $2.50 fee on a $100 donation
$100,000+ 1.9% + $0.30 $2.20 fee on a $100 donation

AMAZON.COM

Amazon Payments Logo

Amazon.com offers a similar non-profit donation plan. Amazon’s no start-up cost option  includes the ability to configure your own donation buttons (to be posted on your site or in your html e-mails).  Amazon also provides flexibility to set fixed, minimum, or donor-determined donation amounts along with scheduling ongoing gifts.

Donors will have to either open an Amazon Payments account or have one already to use this service.

Amazon supports giving through:

  • Credit Cards (Visa, MasterCard, American Express, Discover, Diners Club, and JCB).
  • Bank Account debits (only supported by Amazon FPS)
  • Amazon Payments balance (only supported by Amazon Simple Pay and Amazon FPS)

Cost?

Amazon charges no start-up fees, but neither do the other options listed here so that’s no big deal. The key is to compare per-payment charges. At Amazon they’re pretty similar to PayPal:

  • For credit card transactions >= $10: 2.9% + $0.30 for credit card
  • For transactions < $10: 5.0% + $0.05 for credit card

I couldn’t find good info on their charges for non-credit card transactions, but they provide a pretty good FAQ page.

FundRazr

FundRazr provides a unique option of embedding your giving links into Facebook and providing goal-oriented giving with on the fly followup charts so donors can see how the donation project is progressing.

I like this idea, but have found it to take some work to setup (though recent reviews say it’s easy now!). Still with the popularity of Facebook this could reach a lot of people on the social network.

Payment sources?

  • Credit Card
  • Debit Card
  • Paypal Account

Cost?

Recipients pay a fee of 4.9% + $0.30 on every payment. The fee includes all PayPal transaction fees. This is higher than either Amazon Payments or PayPal’s regular service, but the ability to integrate with Facebook is really attractive even at nearly 5% in fees per payment.

Conclusion

I like PayPal but it doesn’t hurt to have several options as long as they’re displayed in a user-friendly way.  In unofficial numbers PayPal had more than 153 million accounts worldwide in 2008.  Amazon has about 615 million and Facebook has over 500 million users. That puts Amazon in the lead with users by evaluating your audience may be a good idea if you just want to use one service instead of all three.

Keep in mind the fees involved. You’ll need to account for these as you keep up on your records since this will be a reduction in the total donation you receive when transferring the donations to your organization.

Do you have a different source that you use for online donations? What’s working well for you?

Billionaires to give away fortunes

Billionaires giving away their cash!

Billionaires have discovered that giving away money can not only be fun but also benefit the giver and the receiver.

Here are some highlights from the Washington Times story on those who took the pledge to give away at least 50 percent of their wealth:

Media mogul, Ted Turner: “Looking back, if I had to live my life over, there are things I would do differently, but the one thing I would not change is my charitable giving,”

Investor, Warren Buffett: “Too often, a vast collection of possessions ends up possessing its owner. The asset I most value, aside from health, is interesting, diverse, and long-standing friends.”

Former Citigroup Chairman/CEO Sanford Weill and wife, Joan, said ” we are firm believers that shrouds don’t have pockets.”

Melinda Gates: “We do not want to give excessive wealth to our progeny. Giving wealth to young and future unborn children, in our opinion, reduces or eliminates the character-building challenges ahead of them in life that they would otherwise face.”


Read the whole story here.

Review of Gravity Water Filtration Systems

I’m considering a gravity water filtration system. These can be a key element to personal health especially when you’re dealing with water sources that are not sanitary.  Here’s what I’m discovering so far:

1. ) La Natural Terracotta Base with ceramic filter

Combines old technology (naturally cooling effect of terracotta with modern filtration technology. Pour 1 gallon of water into container and gravity pulls it through a “dual micro-pore ceramic/activated carbon filter that removes 95% of chlorine, pesticides, heavy metals including iron, aluminum, lead and 100% cryptosporidium, giardia and sediment.” Can filter 6 gallons a day…if you keep up with filling it. The filter lasts one year or 2500 gallons.

Costs: $198 (from watersavers.com)

Replacement filter: $72

Positives: Natural cooling effect is nice.
Negatives: Small capacity, heavy for shipping and fragile for transport. Pricing seems high compared to more higher tech and ones with better ratings than this. Continue reading ‘Review of Gravity Water Filtration Systems’