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Quiet Townhouses with Ocean View in Reñaca

QUIET LIVING! Beautiful Ocean View in the World’s Best Climate!

Unit N°1 (156m2/1,948sf + 40m2/430sf covered terrace/balcony) 2 stories, 4 bedrooms, 4,5 bathrooms, hardwood kitchen with green granite, 3 big closets and high-up kitchen storage, very large terraces, open-air private Jacuzzi, two parking spaces and large storage unit (10m2), in-floor heating, solar heating system.

Unit N°2 (107m2/1,151sf) 2 stories, 3 bedrooms, 2 bathrooms, 5 big closets and high-up kitchen storage, balcony, two parking spaces and large storage unit (9m2), hardwood kitchen with green granite, in-floor heating, solar heating system. Dining area can be enlarged 8m2/85sf and include visitor’s half bath (additional cost approx. USD10,000). 

Unit N°3 (100m2/1,076sf) 1 level, 2 bedrooms (one of which is a large living room that converts to a bedroom with two Murphy beds, American kitchen, 3 bathrooms, 3 hardwood shelves/”closets” and laundry area, very large terrace on garden level, one parking space.

New building with three units (or townhouses). All are for sale. A 50% interest is available in N°3, permitting a 60/40 split of rental income and providing a Chilean address and place to live for some/most of the March through December (except Easter weekend, July 15-August 5 and September 15-21). Price for a share in that one is 2,900 UF or half of USD 244,000.

The townhouse for sale is perfect for newcomers from North America or Europe.

Unit N°1 PRICE 10,500 UF (280 million pesos on September 26, 2017) USD 440,000

Unit N°2 PRICE 6,200 UF (165 million pesos on September 26, 2017) USD 260,000

Unit N°3 PRICE 5,800 UF (155 million pesos on September 26, 2017) USD 244,000

Units N°1 and N°3 can be combined to make a much larger 3-story townhouse.

2% discount for cash purchase. Buyer pays all closing costs, including notary, legal and any realtor fees.

50% discount on property taxes for ten years (government discount under law DFL-2)

Very low monthly community fees: 3UF in units N°3 and N°2 and 4.5 UF in N°1. 

Note: The UF is an inflation-indexed currency surrogate that is used in Chile for major purchases and loans. It has a value in pesos that changes daily according to inflation. For example, 0n April 1, 2017, one UF was worth 26,472 pesos (about US$39.69). [UF = 26.650 pesos on Sept. 26, 2017.]

Here is the view:

La gran puesta del sol 31 julio 2015 edificio los arándanos de Reñaca Cobin puesta del sol 31 julio 2015 edificio los arándanos de Reñaca Cobin20150525_185940

Puesta del sol desde los Almendros 1 agosto Los Arándanos de Reñaca Cobin parte 2

Puesta del sol desde los Almendros 1 agosto Los Arándanos de Reñaca Cobin

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 Nov 1st sunset

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LOCATION – LOCATION – LOCATION

The location of the new townhouse in northwestern Los Almendros, a highly desirable section of Reñaca, a sector of Viña del Mar.

Street address is José Suárez 185, Reñaca, Viña del Mar,

Longitude/latitude to find the lot with Google Earth: 32°58’00.00″ S  71°31’26.10″ W.

Viña del Mar has been named the city with the best climate in the world on EscapeArtist Chile. It is similar to coastal Southern California. Also see this article that I wrote on Viña del Mar, this one includes Valparaíso and this one that I wrote on Reñaca Beach in 2014. Others that might interest you include:

PLANS

Townhome N°2 is highlighted in yellow in the drawings (designated as “Depto 2”), Like Townhouse N°1, it is two stories and thus is on two different drawings. It is the one indicated as 105.6 meters squared on the plan legend, 107 meters squared if one counts the deep end of the large downstairs closet in the count (1,151 square feet). The deck for Townhouse N°2 is 3.5 meters squared (37 square feet). Townhouse N°1 has a 15m2 balcony and a 25m2 terrace. Townhouse N°3 has a garden terrace of approx. 50m2.  The storage unit (bodega), which could be converted into more living space or an office, is 9 meters squared (97 square feet) for Townhouse N°2 and 10m2 for Townhouse N°1. Both of these later features make the effective living area larger. Some people might consider enclosing the outside flower bed outside Townhouse N°2, enlarging the dining area by 64 square feet, adding a visitor’s half bath and possibly making the balcony larger.

A lot of Americans cannot imagine living in such a “small” space but once in Chile, like Europe or Japan, one gets quite used to living in smaller spaces comfortably, especially when there are common areas for BBQs, grassy yard with fruit trees and view decks, plus large, high-ceiling storage shelves and cabinets, in addition to the square footage for the apartment itself.

Looking down to the apartment from the street, it can be seen at the top of the drawing (for reference, the public area with marble sidewalk starts where the dashed line is indicated, the building property being to the right of it). Looking up at it from the ocean, it is on the upper right with the large view windows of the living room and master bedroom visible in the drawings.

Look at the architectural plans below, which can be downloaded as PDF files and printed. The parts labeled “Bodega” are storage areas, and one has been converted to the maid’s quarters or a fourth bedroom with full bathroom (Townhouse N°1). They have 2.87 meter (about 9.5 foot) ceilings and two go all the way to the property line, seen on the plans as a dashed line (right underneath the parking space, one highlighted in light blue). The rest of the top floor likewise has high ceilings. The apartment comes with two parking spaces, highlighted in yellow in the plans. Visitors can easily park on the street or in the large cul-de-sac, too. The lower floor, back and sides are made of solid reinforced concrete construction, as is the bodega and spine of the upper floor, with welded metal and metal framed (like one would find in low-rise office buildings) and stuccoed construction for the rest, Townhouses N°1 and N°2 share a common wall.

The yellow highlighting shows the kitchen, living and dining room and bedrooms and bathrooms. The outside landing and bodega that pertain to Townhouse N°2 are shaded in other colors.

The street-level, marble rooftop is a common area for gatherings and viewing, especially things like the famous New Years Eve fireworks displays over the port of Valparaíso and other shows over Viña del Mar, Concón and Reñaca. (This area is mixed with the parking area.) The small amount of land that “by law” goes with the apartment by law is not estimated in the highlighting.

Click on the links for each plan image to enlarge it. You can open, print and/or download a clean PDF version of the plans.

nivel-0 PDF here Street level with view deck (commons) and parking spaces, solar heating

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nivel-1 PDF here Top floor (kitchen, laundry, living room, dining room, balcony, bodega)

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nivel-2 PDF here Lower floor (bedrooms, bathrooms and closets)

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nivel-3 PDF here Lower floor and garden area (commons)

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VIDEOS AND PHOTOS

The townhome is in a building that features 240 square meters of elegant marble flooring–2,582 square feeet! Residents even park on marble. It is quite elegant and makes the owners feel proud of their home. Much of the marble is on the view deck and staircase, both of which are shared or common areas.

Note: Videos show some debris/incompleteness becasuee they were taken prior to building completion.

View deck and blueberry plants up top

Parking area and View deck

Walk to front door from lawn/garden area below

Marble entrance from street and parking area down to front door Townhouse N°2

Kitchen Townhouse N°2 similar to other kitchens

Climb staircase Townhouse N°2

Master bedroom starting at bathroom Townhouse N°2

Master bedroom starting from hall Townhouse N°2

Study or small bedroom and other bedroom Townhouse N°2

Second bathroom Townhouse N°2

Banister and walk down Townhouse N°2

Cozy living room dining room Townhouse N°2

Kitchen Townhouse N°2

 

Neighborhood

View from up top

Looking down from view deck

Storage unit Townhouse N°2

Garden 

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FEATURES

° solid hardwood (lenga) interior doors, stairway, hand railing

° spacious custom closets, in Townhouses N°1 and N°2, with storage room under the stairs and high up in the kitchen, too, plus the bodega outside.

° black marble entrance way in Townhouses N°1 and N°2.

° hardwood (raulí, cedar o lenga) kitchen cabinets with green granite countertops.

° custom (mostly hardwood) bathroom cabinets with green granite or brown marble countertops

° upgraded bathrooms with European fixtures, one with Jacuzzi tub in Townhouses N°1 and N°2.

° carved-out of the hillside lawn and garden (common areas) on flat area; dramatically cutting wind and any noise, and creating greater earthquake security.

° internal rainwater irrigation support system to reduce plant watering costs

° in-floor radiant heating system in Townhouses N°1 and N°2.

° video phone/camera gate opening system; four exterior security cameras with video feed to household computers.

° solar energy supplement for vital systems and hot water boost in Townhouses N°1 and N°2.

° higher ceilings, 9.3 feet on bottom floor, narly 10 feet on top floor in Townhouses N°1 and N°2.

° engineered cherry wood flooring with areas of porcelain flooring (especially in  in Townhouses N°3 but in all kitchens).

° solid reinforced concrete base and perimeter with and welded metal internal structure, lessening potential dampness problems.

° PVC thermopane windows and terrace door with quiet insulation (Germany).

° Ecological surroundings with 150 blueberry plants and seven different fruit trees plus flowers and summertime fruits and vegetables such as watermelons and tomatoes.

There is only one other year-round resident next door. In the summer there could be carefully-chosen renters in the townhouse below. The environment is very quiet.

 

COMPETITIVE PRICING

This price is competitive for this upscale (class “B-“) area of northwestern Los Almendros de Reñaca. In upper middle class (“C1”) areas of Reñaca, used houses or apartments (even without a view) average 1.3+ million pesos per square meter. Along the coastline, prices are nearly double. The upscale section of Los Almendros tends to be priced in between. The pricing of these units is commanded for its construction quality, its cozy setup with only one other full time family in the building rather than one unit among dozens in a larger building, the fact that it is impossible to obstruct the view, the fact that no elevator is required, the high quality of surrounding homes (some of which are 500m2 to 750m2), and the advantage of having a dwelling that is brand new without any wear and tear or earthquake history.

Earthquakes and Tsunamis?

The building in construction suffered no damage whatever from the September 16, 2015 earthquake (8.4 Richter Scale, epicenter 95 miles north) and hundreds of subsequent aftershocks (more than a dozen of them over 6.0 Richter Scale up to 7.6 Richter Scale). The townhome is safely located at about 124 meters or 410 ft. above sea level, and therefore there is no tsunami threat. Hurricanes have never threatened Chile.

Did we mention LOCATION?

The townhome is located exactly 2km to the Tottus Express supermarket and the many banks, restaurants, mail services, hair salons and shops in Reñaca, and 7km to the Jumbo and Líder Express supermarkets and the strip malls of Concón. The casino and restaurants of Viña del Mar are about 15 minute’s drive. You can see some images of the Reñaca and Concón commercial areas below.2014-01-30 21.10.31

The area is booming with new construction and roadways, making an increase in property value likely. The bus stop for line 607 is only 300 meters away, making it easy for the maid to get to work, or for renters or others to get to the store or the beach. The local bus fare is around 300 pesos or 43 US cents local travel and 68 US cents to central Viña del Mar or Valparaíso. Line 607 comes by every 10-20 minutes (until 9pm/10pm in Summer) and goes to Reñaca, the nice areas and malls in Viña del Mar (and close to the Santiago connections via the Viña del Mar bus terminal) and Valparaíso.

These images are taken from the top of the lot during the day, at sunset and at dusk. The apartment has parking and access from the street level where the photographs were taken and then the owner will walk down a flight of stairs to his apartment entrance. That means that the apartment’s second story will be below street level.

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COMPARATIVE SHOPPING

Online searching for properties in Reñaca will reveal a wide range of prices that reflect variables like (a) ocean view, (b) proximity to the beach (good for summer, if one can take the summer and long weekend traffic jams, but not for household humidity the rest of the year), (c) proximity to local transportation, schools and shopping, (d) age of the house and its surroundings (including its earthquake experience), (e) physical condition and/or remodeling needs, (f) ability to escape from summer and long weekend traffic jams, (g) tsunami safety, (h) busy-ness of the residential street or loud nightlife parties, (i) adequate parking (for owner and visitors) and storage, and (j) the desirability of the neighborhood in which a property is located (including the quality of surrounding homes, nearby parks, etc.).

There is a link below to an article I wrote about the best neighborhoods in Viña del Mar. The rule of thumb price for newer homes in nicer neighborhoods without ocean views is 1.3 million pesos per square meter. This property obvious offers much more and thus should fetch over 2 million pesos per square meter. It is a good deal and a place you will enjoy coming home to. 100_3591

For example, these “cookie cutter” tract homes 1km down the street in the “C1” section of Los Almendros are selling for ~US$250,000. The location is nice, but there is no view of the ocean, and the homes are of noticeably lower quality.

LAYOUT

In the drawing with the windows, the apartment is on the upper right side (as seen from the ocean). It is an inverted “T” shape, wider on the first floor (-2) than the protruding, twice as long (deep) second floor (-1) with its obviously independent roof-line. The architect put figurines on the apartment’s deck in the drawings above.

Layout details: 2 stories, 3 bedrooms, 2 bathrooms, big-windowed living room and dining area (white PVC thermopane), kitchen, marble entrance with a garden where flowers and shrubs can be put in, or it may be converted into more living space or a Jacuzzi; a deck for outdoor relaxation or place to put your BBQ on the street level or on the garden level below, large storage area (bodega) and parking space. Radiant floor heating and solar panel support. The bottom floor (-2) has the master bedroom with bathroom, another bathroom and two other bedrooms, one of which could be used as a study or a den. The apartment is located on a secure cul-de-sac and thus has no significant traffic or loud parties.

NO ELEVATOR REQUIRED

Yes! No elevator is required, which is an advantage given that this is technically a townhouse or condo setting. You will have to take stairs one level down from the parking area and front gate, a walkway which could be beautifully lined with flowers. Remember that in Viña del Mar, flowers grow like weeds. You can already see the garden setting that has been put in, along with a rainwater collection system with 13,000 liters of irrigation storage.

WHAT YOU GET FOR THE PRICE


Finish work:
  • “Porcelanato” and engineered cherry wood floors 
  • Hardwood interior doors and entry door.
  • Walls painted in a neutral tone in Townhouse N°2 with white crown moldings, other in Townhouses N°1 and N°3 have green walls and some colored rooms.
  • Central heating and water heating system with solar heating support and solar backup for pumps and key outlets in Townhouses N°1 and N°2.
  • Cherry colored wood baseboards
  • Hardwood (lenga) hand railings, stairs in Townhouses N°1 and N°2.
  • Bedrooms with closets, except Townhouse N°3 that has open hardwood shelving.
  • Kitchen with tall, hardwood-faced cabinets (not typical in Chile)  in Townhouses N°1 and N°2.
  • Bathrooms with upgraded tile floor and toilet, sink and tub/shower in one bathroom, spa tub in the other.
  • The bottom floor and back half of the first floor is made of reinforced concrete (hormigón), with the remainder being thermically-efficient steel beam framed on concrete backing, nestled against the hillside. 
  • Efficient LED light fixtures are included, which is not typical for Chile.
  • Wider oven in Townhouses N°1 and N°2., dishwasher, modern faucets, gas range and hood; gas dryer connection ready in Townhouses N°1 and N°2.
  • No curtains or blinds are included.
  • Some appliances are included: range, hood, sink, wash basin.

Note: Central heating is installed in the floors in Townhouses N°1 and N°2, but air conditioning is not needed in Reñaca.  in Townhouses N°3 uses a portable heater and has a natural gas Calefont water heating unit

AGAIN: WORLD’S BEST WEATHER

The EscapeArtist Chile mentioned above referenced this article online from a weather expert that says that Viña del Mar has the best weather and climate for humans in the world.

LANDSCAPING

Landscaping is not included in the main entrance way flower bed but is provided everywhere else on the property. Flower gardens are easy in this climate. The backyard has grass, flowers, blueberry bushes and fruit trees planted (cherry, apple, pear, minature lemon, orange, two avocados, fig), along with some occasional vegetables. The main home and apartments are not built on fill.

RESERVE THE PROPERTY WITH 15% DOWN

You can reserve one of these properties with a non-refundable deposit of 25% down.

The Chilean tax IDs are 3032-564 for townhome N°1 and 3032-568 plus 3032-569 for its bodegas (storage units). The Chilean tax IDs are 3032-565 for townhome N°2 and 3032-567 for its bodega (storage unit). The two in-line parking spaces assigned to each of these units do not require a separate tax ID. The Chilean tax ID is 3032-566 for Townhome N°3. It has only one parking space and no bodega.

Chilean residents can go to a bank and borrow the full amount for the property.

LOW CONDO FEES

“Gastos comunes” (condo fees) will be much lower than typical properties. The apartment will have its own property tax account, its own water, internet/TV, phone, gas and electricity bills.

The apartment owner will pay to keep up his terrace, electric gate opener, gate or fence damage, pipes and wiring maintenance or repair and walkway/patio repairs or changes.

A fund used to pay for the following common exterior items will be created:

  • Painting of walls and front gate or fencing
  • Wall and roof repair
  • Rain gutter upkeep
  • Sewage pump maintenance and replacement every 2-3 years
  • Lawn, flowers and tree/bush/plant irrigation
  • Lighting in common areas
  • Solar systems maintenance

The main property owner (Townhouse #1) will be in charge of having this work done when it is needed.

The charge will be UF2 every month, for Townhouses N°2 and N°3 which is about US$78, and UF 3,5 in Townhouse N°1. It will need to be deposited by you directly into a designated bank savings account. Instead of paying the low condo fees in this apartment, people that buy other apartments (condos) in buildings frequently pay more than $1,250 per quarter.

A lien will be placed against the property for the amount due, a penalty of 10% extra for each month the payment is late, and interest charged at 20% per year. In addition, the Townhouses N°1 and N°2 buyer agrees that his bodega titles will be forfeited after one year of not paying this small maintenance fee. Obviously, the penalty is large just to make sure that the apartment owner never falls behind.

The repairs and upkeep will be done when needed with no specific time frame. Should there be a major problem like dry rot or weather/earthquake damage, the costs of repair will be shared proportionally. This cost is above and beyond the UF 2 /3.5 charge every month.

All owners will agree to maintain fire and earthquake insurance on the property. This coverage should offset many repair costs due to fire or weather.

Please keep in mind that there are technically three living units in the building but one family will be using two of them, unless one of those units is rented or even sold later on. This is a pretty intimate relationship that family will share with the apartment purchaser.

RESTRICTIONS

The apartment owner will agree to make sure that the colors and materials remain uniform. The restrictive covenants have been recorded with the Chilean equivalent of the county recorder, called the Conservador de Bienes Raíces.

The buyer will also agree that no loud parties will take place, especially after midnight, by himself or by renters.

LOW MAINTENANCE EXTERIOR

The brick exterior will be as low-maintenance as possible for a pacific coastal climate.

The small roof area is covered with “estate grey” color asphalt shingles.

The double-pane windows are white PVC window frames from Germany, providing high security and energy efficiency. They provide a quiet interior, too.

RENTAL INCOME

Also note that the apartment owner has full rights to rent out his apartment, of course, which can be quite lucrative in Reñaca during the summer months Dec. 26th to March 5th, and still possible after those months at at least 50% occupancy. Furnished places can get around 2 million pesos per month in the Summer if administered well (USD 100-150 per night), especially in January and February, and also good rent during the week prior to Easter, the last two weeks of July (winter break) and the week around Chilean independence (September 18th). The best ways to rent out a Townhome are with Booking.com or Tripadvisor.com. During the non-summer months, people from Santiago also come and rent furnished places for about the same rate, viz. once again, in mid to late July (winter break), Easter week, long weekends around May 1st, May 21st and October 31st-November 1st, as well as the week around Independence Day (September 18th). So there are other rental opportunities during the year from Chileans. A market also exists to rent to foreigners that visit Chile for short periods. In general, one can expect 90% occupancy and full price during the summer, and about 30% less with 50% to 70% occupancy during the rest of the year, on average.

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For those that want to keep a unit as a full-time rental all year, many people rent to university students, maybe 5 students to an apartment, for $175 per month each, during the rest of the year. But doing so is probably not going to yield as much as using online services.

Bear in mind that the owner is responsible to make sure that renters agree not “to party” or make lots of noise, especially after midnight.

Others keep their coastal apartments open for their own use during the rest of the year. Viña del Mar is a great place to live year-round and one might consider doing so or leaving it open for weekend use even if they live in Santiago most of the time.

Another choice is to live in northwestern Los Almendros de Reñaca from March through December and then rent the house for the summer while the owner rents a place down by the southern Chilean lakes and mountains or travels abroad. A very pleasant option for those that like to travel!

WINTER HUMIDITY

There is some humidity problem in this location during the wintertime that can easily be dealt with by running dehumidifiers. Listen to the evidence from the market. Locals tend not to live close to the beach for a reason, and lower price is not the only one. They want to avoid even higher humidity indoors. Townhouses N°1 and N°2 are designed to reduce dampness even further with partial steel beam framing.2014-04-26 19.26.15

TAX BREAK

Because the property is new construction and under 140m2, Chilean law DFL-2 provides for a 50% reduction in property taxes for 10 years. I do not know what the effective taxes will be, but I am guessing that they will initially be around 70,000 pesos (US$125) per quarter. They could be less.

If you are interested, please send an email to osorno7@earthlink.net or call +56-32-3277712.

Here are some other images of the area. The neighborhood park, near the bus stop, is just 300 meters from the apartment.

P1040131 P1040121 P1040130

 Houses in the neighborhood (seen in the photos below), across the street, have between 400 m2 and 750 m2, or around 4,300 sq. ft. to 8,000 sq. ft., while adjacent apartments tend to be around 140 m2 or 1,500 sq. ft. The cul-de-sac located apartment you will be buying is located in good company for sure!

P1040128 P1040127 P1040124 P1040123 2014-07-16 12.14.02 2014-07-16 12.13.47

See a couple photos of local buses below, running through Reñaca sector, the first one being number 607, stopped at the little plaza near the property.

IMG_20150120_191735 2014-07-16 12.26.19 P1040134

Strip malls, the small Reñaca mall and other nearby shopping and services, including the new Tottus Express supermarket, all less than 2 kilometers away.

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 The Reñaca area offers all the conveniences of life: restaurants, supermarkets with a wide variety of goods, beauty salons, banks, mail services, money and exchange services, appliance stores, fast food, stationery stores, and more:

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If you’re seriously interested in this wonderful opportunity, send an email or fill out the form below and I’ll get back with you as soon as possible. Please don’t use this form for any other purpose.

Memorandum to Newcomers

From: Dr. Cobin, Instigator

To: All Newcomers to Chile

Re: Fundamentals, Expectations and Rules of Conduct

Please take careful note of the following:

1. Chile is not the United States (i.e., “We are not in Kansas anymore.”), nor is it Canada, Australia, Japan, South Korea, Singapore or a Western European country–thank God. It is also not New Zealand or Hong Kong,

2. The way things are done in the aforementioned countries is not the only or “right” way to do things. Believe it or not, there is usually a good reason why things are done the way that they are done. You may not know those reasons now or for some time after arrival.

3. People do things differently in Chile than where you come from. That fact does not mean Chile is bad, but rather that Chileans have found different ways of coping with the challenges of their cultural context. “When in Rome, do as the Romans do.” Do not be an ugly American. It is not any fault of Chileans that you have to move.

4. You will pay more to live in Chile for the first 14-20 months than citizens and permanent residents do. This fact should not be surprising since tourists (newcomers) usually pay more than locals in any country of the world. Be prepared for the extra expense (i.e., “get a grip” and “deal with it”). It is part of your cost of emigrating from the “land of the free” or wherever. Over time, you will see that the overall cost of living here is probably lower than where you came from. Reducing costs might require you to change the way you have done things in the past.

5. You will not know everything you need to know about Chile on the day of your arrival, or even a year later. You will undoubtedly learn by the school of hard knocks. However, you can greatly minimize your butt-beating by not being lazy and taking my advice: read Life in Chile: A Former American’s Guide for Newcomers before you land in the Santiago airport. Also, attend as many Escape America Now webinars as you can prior to coming. If you do not read every page of the 1,500+ page book prior to coming, and hence attempt a life-changing, international move in a state of near-total ignorance, you forever forfeit your right to complain. Onlookers might also consider you to be somewhat moronic.

6. Your negativity, worry and complaining have never really helped you before and they will not help you in Chile. No matter how bad things seem, they could be worse. Best to look on the bright side and make the best of it. There are a lot of “bright sides” in Chile. Dwell on them instead, along with all the ugly/nasty/unpleasant reasons that have impelled you to leave “the old country.”

7. Chile is a Spanish-speaking country. Do not expect more than 2% of Chileans, nearly all found in Northeastern Santiago and Viña del Mar-Concón, to speak English. At some point, you will have to begin conducting your life in a different language than your mother tongue.

8. Plan on learning Spanish (starting now). Doing so will be really hard, take you years to accomplish and you may have to spend up to US$1,000 per month, per person for classes or tutors for up to a year. “Get a grip” on this fact. Add the “budget item.” There are a few things you can do from the old country to learn the language prior to getting here. Follow my advice from a decade ago. It is still valid.

9. If you choose to bring a “reluctant wife” with you to Chile, she will not become less so after she is in-country. She will make you ten times more miserable as a newcomer than you would ever have been if you had come alone. Indeed, you will experience rancor, odiousness, grumpiness (maybe even mean-spirited tantrums), resentment and grief like never before. If you are smart, you will think about how to minimize this emotional cost long prior to arrival, and take the proper steps to alleviate the problem. Note: there is a chance that you will not succeed.

10. You will need to spend money in Chile and have an income from somewhere. Put your assets in offshore havens and bring ATM cards with you so you can access your cash from Chile. If you are not wealthy, you should immediately sign up to be a 51Talk teacher and get a few weeks or months under your belt, so that you will have an income upon arrival in Chile. Doing so is also great for older children that accompany you, reluctant wives needing something to do and efficient homemakers. Even if 51Talk teaching ends up only being a stop-gap measure for a couple years until you have a “real job,” it could be a lifesaver. Read more details about the job in my previous post on the subject. Alternatively, you can also bring any other internet-based business with you.

11. Chile may be “somewhere over the rainbow” but no one ever promised you a bed of roses. Grow up. Your life in large part is what you make it.

12. While you may not be responsible for your present circumstances or the need to emigrate, you are responsible to make as wise and thoughtful move as possible. Do not blame me, the instigator, if you do not comply with this directive and prepare as best you can for that life-changing transition. Also, remember that the road to hell is paved with good intentions. Therefore, stop being lazy, fatuous and otherwise complacent when it comes to proper preparation!

cc. general file

moron file

get-a-grip committee

Kansas/rainbow crossing/deal-with-it project

Be sure to become a member of Escape America Now and gain access to the monthly webinar. Details at www.esccapeamerianow.info. Visit AllAboutChile.com for discussion and forums about the country.

Dr. Cobin’s updated and enlarged 2017 book, Life in Chile: A Former American’s Guide for Newcomers, Fourth Edition, is the most comprehensive treatise on Chilean life ever written, designed to help newcomers get settled in Chile. He covers almost every topic imaginable for immigrants. This knowledge is applied in his valet consulting service–Chile Consulting–where he guides expatriates through the process of finding a place to live and settle in Chile, helping them glide over the speed bumps that they would otherwise face in getting their visas, setting up businesses, buying real estate, investing in Chilean stocks or gold coins, etc. The cost is $129.

For a brief introduction consider Dr. Cobin’s abridged 2015 book (56 pages): Chile: A Primer for Expats ($19), offering highlights (somewhat outdated) found in the larger book. Buy Dr. Cobin’s Public Policy books at Amazon.com:

Looking to Leave America? You Should Be More Scared than You Are!

I was reflecting recently on some differences between Chile and the United States. This is an election year in the Land of the Free, and the candidates are so unpopular that the Libertarian Party is even getting considerable support. I should be overjoyed but, alas, even as a libertarian, I cannot get behind the libertarian ticket since Gary Johnson is in favor of abortion–a common American malady. There is no more egregious tyranny than killing innocent human beings on account of their underdevelopment, their inconvenience or because human reproduction requires the use of a womb. Yet, this sort of hypocrisy among American libertarians is widespread. At least one-half of American libertarians are willing to kill an unborn human being if the womb-provider objects to his existence.

This sort of irony traces back to great American libertarians like Thomas Jefferson, who enslaved people and even engendered children by some of his slaves. Then there were even greater American tyrants, albeit non-libertarians of course, like Abraham Lincoln, who feigned an anti-slavery posture to promote his own power at the expense of over 660,000 lives.

Chile’s libertarian element is not so calloused or brutal. Indeed, I find most of them to be far more consistent libertarians than their American counterparts.

Nevertheless, Chileans are also great hypocrites. Abortion is illegal in nearly all cases here and yet abortion still occurs. They say one thing and do another in this respect, so long as their unblemished image can be upheld. Chileans are so preoccupied about their public image that they go to great lengths to dress up in public, so as not to appear, for instance, as a day-laborer or maid en route. Plus, they try to get a home (even if poorly-built) in one of the best sections of town. Then they can boast of living among the upper classes. They buy image and status through acquiring a respectable address.

If you examine the construction quality of upper class apartments, you will usually find that the front door and foyer are lavish, well-built items; the landscaping and manicured lawn outside are often subpurb, too. However, true to Chilean hypocritical imagery, the quality of windows, doors, flooring, kitchen and bathrooms (among other things) inside each apartment is mediocre.

Socially speaking, most Chileans are not virtuous. The great majority secretly applaud lying, cheating and even stealing at times, often making jokes about how artful and adroit Chilean thieves are. Everyone laughs at those jokes since they know the substance to be true. Surely, the upper classes do not like being robbed, but loss by theft is sort of taken for granted in Chilean society.

Chilean “justice” is a joke for the most part, as I have commented on previously. People have to fend for themselves if they want justice and protection. Maybe laughing at the degraded level of their fellow Chileans is a way of coping with the reality of living in a dishonest society. It is a sad state of affairs.

Yet, people here get offended when I or others point out the foibles of Chilean culture. They do not want to hang out their dirty laundry for the world to see, and especially immigrants like me should never violate this sanctum of Chilean culture. They want the world to see Chile at its best as the most prosperous nation in Latin America and sophisticated enough to rescue its 33 trapped miners in 2010. For this reason, they all come together to support their soccer team when it wins international championships. They love to bask in favorable international limelight. Hence, there is an odd unity and solidarity here in terms of sports even if people do not trust each other.

The difference, then, between cultures up yonder and Chilean culture is that Chileans are desconfiados. While most Americans truly believe what others say or that the “system” works, Chileans do not. Ironically, one reason that Chile does not have an institutionalized welfare state like the United States, Canada, Australia or Europe is precisely because Chileans do not trust others; they know that their fellow countrymen will game the system. Thus, Chilean welfare benefits are not as widespread or lavish.

In Chile, no one is surprised when a politician gets his hand stuck in the cookie jar or is found to be corrupt. Such behavior is expected. On the one hand, in the “Land of the Free,” people still tend to be shocked or at least believe that such problems are confined to an elite political class of Clintons or Bushes. Some believe that a man like Trump will really be different since he is an “outsider.” When he turns out to be just as bad or worse, then these true believers will be temporarily disheartened. However, memories are short and in just four more years they will be ripe pickings for the next demagogue that comes along.

On the other hand, Chileans do not see things the way Americans do. They know that most candidates are running more for their personal gain than to serve the public interest or principles. They are used to people trying to beguile them and thus are not as easily beguiled.

Nevertheless, when it comes to successful policies of the Right, Chileans tend to be frequently tricked. In a recent interview on public television with José Piñera, the founder of the private Chilean pension system (AFP), that is now used in thirty countries, the leftist commentator and interviewer tried to paint the AFP system as a bad thing. He showed anecdotal evidence where a few pensioners interviewed claimed that they were only earning pensions of 200,000 pesos (US$300) per month. No one inquired if they had paid in to their plan for all years or if there were large gaps in payments (lagunas). Private social security only works if one saves. Like José Piñera said, the system may be a fabulous Mercedes Benz but if you do not put fuel into the tank then it will not serve you well. Moreover, one pension provider released data showing that the average pension for many thousands of men that had contributed for over 30 years is 650,000 pesos (US$1,000) per month, which is 6% more than the targeted 70% of replacement income sought by the system. Thus, the system is working, even with imperfections, but the Left will simply lie and discount this fact, which can be very frustrating for rightists and libertarians once the crafty leftists convince disgruntled voters. The Left is a constant problem. Even the best parts of Chilean economic life are being rattled, just like the Left continues to rattle countries in the Northern Hemisphere.

But let us be candid: while Chile has its problems, America has much greater problems (and so does Europe). Moreover, America does not have benefits like AFP that Chile established. It still is beleaguered by socialism. Whether Trump or Hillary wins, Americans will still pay far more taxes than Chileans do (perhaps four times more); their government will still kill innocent people at home or abroad (directly or indirectly); they will still have a raging, violent society, with brutal cops; they will still be affected by an ignorant populace, dumbed-down by the public school and media addictions; they will still face the hardships of political correctness and the undue burdens of over-regulation or property confiscations (either Kelo-style or by customs agents); they will face horrific danger from family court scoundrels and child services division thugs; they will still face a declining standard of living and egregious manipulations of the currency by the central bank; they will suffer from the fallout of pressure groups seeking privileges: homosexual activists, radical feminists, anti-religious people, radical ecologists and welfare cadets; they will have to face increasing socialism, Obamacare and welfare Ponzi schemes like Social Security.

Therefore, for all the negative things that one can says about Chile, America is far worse. All of the bad things just listed are prevalent and growing in America but have yet to take a foothold in Chile. I am not saying that Chile will never have such maladies, but for now we have mercifully fewer of them. Indeed, if you are living in America, you should be more scared than ever before! Chileans have little to fear from the civil authority, as bad as things might be here. But in America (and Europe) one faces a real and growing threat. Denying this fact will not make it go away.

Lesser Evil

Are you sick and tired of putting up with it in America or Europe? Why not consider Chile as a freer, saner alternative? It is not a perfect place, but you can more easily cope with social evils here than those common throughout most of the Northern Hemisphere. You can live in relative peace, and have a beautiful ocean view in Viña del Mar like I do, at a reasonable price.

The first step you should take is to buy the book Life in Chile (ordering instructions below) and read it in its entirety. Next step is to become a member of EscapeAmericaNow.info and participate in the monthly webinar. These two things will get you well-informed. Decide if you simply want to “get out of Dodge” or just establish a Plan B residence in Chile, “just in case.” Then make your reservations to come down and acquire the original, certified documents you will need to obtain a visa.

Do not neglect to move a substantial portion of your assets offshore. Without money, you will not be able to do anything. By delaying, you only hurt yourself and damage your own chances of survival.

Do not procrastinate. The world situation is not a board game. It is real and is coming your way quickly. If there were ever a time to be afraid or a little worried, it is now.

Also posted here on Steemit.

Be sure to become a member of Escape America Now and gain access to the monthly webinar. Details at www.esccapeamerianow.info. Visit AllAboutChile.com for discussion and forums about the country.

Dr. Cobin’s updated and enlarged 2016 book, Life in Chile: A Former American’s Guide for Newcomers, is the most comprehensive treatise on Chilean life ever written, designed to help newcomers get settled in Chile. He covers almost every topic imaginable for immigrants. This knowledge is applied in his valet consulting service–Chile Consulting–where he guides expatriates through the process of finding a place to live and settle in Chile, helping them glide over the speed bumps that they would otherwise face in getting their visas, setting up businesses, buying real estate, investing in Chilean stocks or gold coins, etc. The cost is $149.

For a brief introduction consider Dr. Cobin’s abridged book (56 pages): Chile: A Primer for Expats ($19), offering highlights found in the two larger books. Buy Dr. Cobin’s Public Policy books at Amazon.com:

Christian Theology of Public Policy: Highlighting the American Experience (2006)

Bible and Government: Public Policy from a Christian Perspective (2003)

A Primer on Modern Themes in Free Market Economics and Policy (2009)

Private Medical Insurance for Folks over 65.

Until recently, it has been impossible for people over age 65 to get into one of Chile’s fabulous private medical insurance plans. However, one company (Banmédica) was fined by the government for this older-age discrimination and thus they are now evidently beginning to underwrite plans for people in their late 60s and perhaps in their 70s. I just learned that another company, Vida Tres, is doing the same. The rest will likely follow suit soon.

There are some conditions to bear in mind: if a person has diabetes or any blood sugar-related problems, or hypertension (high blood pressure), those illnesses will be excluded from coverage. I imagine that one can expect that any illness directly related to these diseases will also not be covered.

In addition, if one has surgery, the company will require an 8 to 12 month waiting period after the surgery to apply for coverage. Therefore, logically, one should apply for the insurance before doing any elective surgery.

By all means, consider getting this coverage if you are in the 65+ age bracket. A good plan might run 200,000 pesos to 300,000 pesos per month (US$325 to US$490), depending on age and gender (women being 20% more expensive). And the price can be optimized (lower) if one can select a private supplement plan (add 50,000 pesos [US$82] per month) for one of the best hospitals in northeastern Santiago, such as Clinica Alemana or Clínica Las Condes.

A person can be covered for doctor’s visits, lab work and hospitalization the best hospitals, treatment centers and doctors in Santiago and Viña del Mar, along with everywhere else in Chile. Plans can also come with limited international coverage and prescription coverage.

If you need help getting the process done, we can usually consult with you, perhaps in a day ($1,000) in Viña del Mar, to get your insurance applied for. There is no guarantee of policy issue, of course, but there is a good chance at least.

With our services, we can arrange for medical forms to be mailed to you in your home country. You will have to send by Moneygram the consulting fee, plus one month’s premium, plus US$35 for 4-5 day express delivery.

We can handle all age groups. For those under age 65, and especially under age 60, the chance of policy issue is quite high. A Chilean ID (RUT) number is not required. We will help you get through the process and Spanish-language disclosures that must be completed.

Don’t miss the opportunity to take advantage of getting Chilean medical coverage. If you would like more detailed information on Chilean medical insurance, be sure to purchase my books listed below and read the sections pertaining to insurance and medical care in Chile. Escape America Now members are also able to ask direct, detailed questions about these motifs during the monthly webinar.

 

Be sure to become a member of Escape America Now and gain access to the monthly webinar. Details at www.esccapeamerianow.info.
Visit AllAboutChile.com for discussion and forums about the country and what’s going on with Freedom Orchard.
Dr. Cobin’s book, Life in Chile: A Former American’s Guide for Newcomers, is the most comprehensive treatise on Chilean life ever written, designed to help newcomers get settled in Chile. He covers almost every topic imaginable for immigrants. This knowledge is applied in his valet consulting service – Chile Consulting – where he guides expatriates through the process of finding a place to live and settle in Chile, helping them glide over the speed bumps that they would otherwise face in getting their visas, setting up businesses, buying real estate, investing in Chilean stocks or gold coins, etc. The cost is $49.
Dr. Cobin’s sequel book, Expatriates to Chile: Topics for Living, adds even further depth on important topics to expatriates who either live in Chile already or who have Chile on the short list of countries where they hope to immigrate. The book deals with crucial issues pertaining to urban and rural real estate transactions, natural disasters, issues pertaining to emigration and its urgency, money and the quality of life, medical care and insurance, business opportunities, social manifestations (including welfare state and divorce policy concerns), Chile in the freedom indices, social maladies (lying, cheating, stealing and murder), as well as discussion of a few places worth visiting and some further comments about Santiago.
Dr. Cobin’s next sequel, Living in Chile: Key Details of History, Culture, Politics and Places for the Serious Immigrant, goes into detail that mainly those people living in Chile already or serious immigrants will be interested in. It is also of special importance to libertarians that want to know something about the political and ideological undercurrents, past highlights (like having a free port much like Hong Kong or free banking), and people that want practical information and where they can retire on their budget. The travel section compliments the other books in the series so that those that read all three books can be sure to have covered the key places of the country from top to bottom. This book is chock full of savory details that only a true immigrant and former American with many years of experience would know. Some things are only learned over long periods of time and observation. Take advantage of tapping into Dr. Cobin’s deep knowledge of the country and insights of importance to serious immigrants.
For a brief introduction consider Dr. Cobin’s abridged book (56 pages): Chile: A Primer for Expats ($19), offering highlights found in the two larger books.

 

Places to Retire in Chile for Every Budget

I have been dealing with newcomers and immigrants from different walks of life for many years. Some are relatively rich, others relatively poor. One’s economic situation is independent of his political views and thus freedom-loving people from all social classes are making their way to Chile. Some plan to work. Others plan to start a business.

Most likely these two types of people will locate near Santiago, and possibly near Viña del Mar or Concepción and possibly even Iquique, Talca, Temuco or Puerto Montt. However, many come with the intention of full retirement or partial retirement with some consulting, travel or internet business. In fact, most newcomers tend to be in their late 40s and 50s and are looking to retire or semi-retire. While every retiree would like to live in the nicer parts of Chile (First World sections), many will find these areas to be out of their financial reach.

I hate to see people be discouraged when they arrive or feel like they are living beyond their means. Thus, I hope to provide a “short list” of cities or towns for people to consider, listed according to one’s economic situation, which will allow them to begin studying options prior to coming down.

Where should retirees be looking to live? The table below summarizes my suggestions based on a couple’s net worth and/or pension check. These are my recommendations. And remember that I have been in every town over 500 inhabitants in Chile (except Isla Juan Fernández). So I speak from experience.

There are certainly other communities that would fit each category, especially categories 2 and 3, but I have chosen the places that I have visited that have some virtue and (with a few exceptions) that have at least 5,000 people. Hence, the towns come with at least a few shops, stores, churches, restaurants, etc.

Of course, the larger urban locations listed come with far greater commercial and social benefits. Having said that, I should point out that there are dozens of tiny towns, often in the middle of nowhere, in which a couple could survive on a very tight budget if they chose to do so. I just find that almost no couples that I have met have expressed such a preference.

Immigrant’s Net Worth; cost of home (USD); typical size in square meters
Possible places to retire (Dr. Cobin’s suggestions), towns ≥ 5,000 inhabitants, congruent with social class and affordability
Level of medical care quality, monthly cost per couple (USD)
Probability of personally having to do some agricultural or construction work to survive; local food costs
Likely transportation mode; non-local travel potential
Social class; variety of shopping, clubs, churches, jobs, schools, maid service, etc. accessible
Category 1
Net Worth: $75,000
House budget:
$11,000
House size (m2)
70
Rainy, coastal, cold
§ Puerto Aguirre (2,000 inhabitants only, isolated)
§ Puerto Cisnes
§ Porvenir
Low, $75
High; low
Bus, ferry; none
D; poor
Category 2
Net Worth: $250,000 or
$100,000 plus monthly pension of $1,000
House budget:
$45,000
House size (m2)
90
Desert, no rain, river
§ Camiña valley area (tax free zone)
§ Pica (4,200 inhabitants, tax free zone)
§ Alto de Carmen and San Félix valley area
Desert, no rain, sea
§ Huasco
Arid, little rain
§ Vicuña
§ Salamanca
§ Petorca
Dry 6-8 mos., farming
§ Limache
§ Quillota
§ Villa Alemana
§ Los Andes
§ San José de Maipo
§ Santa Cruz
§ Curicó
§ Chillán
§ Los Ángeles
Dry 8 mos., sea coast
§ Algarrobo
§ El Tabo
§ Quintay
§ Laguna Verde (near Valparaíso)
Green, rain, quaint
§ Curacautín
§ Lonquimay
§ San Pedro de la Paz
§ Collipulli
§ Angol
§ Santa Bárbara
§ Victoria
§ Temuco
§ Pitrufquén
§ Valdivia
§ La Unión
§ Río Bueno
Green, rain, lake
§ Lago Ranco
§ Futrono
§ Puerto Octay
§ Chile Chico
§ Cochrane
Green, rain, sea coast
§ Puerto Montt
§ Ancud
§ Puqueldón (only 1,000 inhabitants but close to bigger populations)
§ Queilén
§ Chaitén (tax free cars)
Green, rain, lake
§ Futaleufú (tax free cars)
§ Palena (tax free cars)
Cold, rain, sea, views
§ Puerto Natales (tax free cars)
§ Puerto Williams (tax free cars)
Moderate, $200
Moderate; low
Bus, metro, ferry;
C; modest
Category 3
Net Worth: $600,000 or
$300,000 plus monthly pension of $2,000
House budget:
$175,000
House size (m2)
90
Desert, no rain, ocean
§ Arica (tax free cars)
§ Iquique (tax free zone)
Arid, some rain, sea
§ La Serena
§ Papudo
Arid, some rain, river
§ San Pedro de Atacama
§ Paihuano
§ Ovalle
§ Illapel
Santiago area
§ Huecheraba
§ Chicureo
§ Ñuñoa
§ Las Condes (south)
§ Providencia (west)
§ Peñalolén (southeast)
§ Freedom Orchard (Curacaví)
Dry 8 mos., farming
§ Limache
§ Quillota
§ Villa Alemana
Coastal 5th Region
Dry 8 mos., coastal
§ Maitencillo
§ Viña del Mar
§ Concón
§ Algarrobo
§ Algarrobo
§ Rocas de Santo Domingo
Dry 8 mos, mountains
§ San José de Maipo
§ Santa Cruz
Green, rain, river/falls
§ Curacautín
§ Lonquimay
§ La Unión
§ Río Bueno
§ Valdivia
§ Coyhaique (tax free cars)
Green, rain, lake
§ Villarrica
§ Panguipulli
§ Puerto Octay
Cold, wind, sea
§ Punta Arenas (tax free zone)
Good, $400
Low; high
Bus, metro, ferry, basic car
C; very good
Category 4
Net Worth: $1,000,000 or
$650,000 plus monthly pension of $2,000
House budget:
$400,000
House size (m2)
140
Arid, some rain, coast
La Serena communities
§ Las Tacas
§ Puerto Velero
§ Serena Golf
Santiago area
§ Las Condes
§ Vitacura
§ La Dehesa
§ Providencia
§ La Reina Alta
§ Freedom Orchard (Curacaví)
Coastal 5th Region
Dry 8 mos.
§ Zapallar
§ Concón (south)
§ Reñaca
§ Viña del Mar (west)
§ Miraflores
§ Algarrobo
§ Rocas de Santo Domingo and Las Brisas
Concepción area
§ San Pedro de la Paz
§ Andalué
§ Idahue
§ Pingüeral
§ Lonco
Green, rain, city
§ Temuco
Green, rain, lake
§ Villarrica
§ Pucón
§ Panguipulli
§ Puerto Varas
§ Frutillar bajo
§ Puerto Octay outlying area
Excellent, $500
None; highest
Metro, ferry, nice car
C or B; excellent
Category 5
Net Worth: $10,000,000
House budget:
$2,000,000
House size (m2)
500
La Serena communities
§ Las Tacas
§ Puerto Velero
§ Serena Golf
Santiago area
§ Lo Curro
§ Santa María Manquehue
§ Las Condes
§ Vitacura
§ La Dehesa
§ Providencia
§ La Reina Alta
§ Freedom Orchard (Curacaví)
Coastal 5th Region
Dry 8 mos.
§ Zapallar
§ Concón (south)
§ Reñaca
§ Viña del Mar (west)
§ Miraflores
§ Rocas de Santo Domingo and Las Brisas
Concepción area
§ Lonco
Green, rain, lake
§ Pucón
§ Puerto Varas
§ Vichuquén (4,335 inhabitants)
Excellent, $600
None; highest
Metro, ferry, nice car, plane
A; excellent

Note that Freedom Orchard’s (Curacaví) target market is for categories 4 and 5, and possible category 3. Special thanks goes to my wife Pamela for suggesting that I do this blog entry and providing some input into the contents and structural improvements to the table above.

    Chile is a freer place than most countries (ranked 7th by Heritage Foundation for 2014) and looks better and better all the time. You might consider investing in the country and even moving to Chile. Chile has a new sustainable community starting called Freedom Orchard. Check it out. Buy your “Plan B” lot in it, and diversify out of the decaying assets in “First World” nations.
Also, be sure to tune in to Dr. Cobin’s radio program: “Red Hot Chile” at noon (ET) on Fridays on the Overseas Radio Network (ORN). You can also join the thousands of other people who download the shows each month via the archive link on our Red Hot Chile page (recorded show updated every Monday morning).
Be sure, too, to visit AllAboutChile.com for discussion and forums about the country and what’s going on with Freedom Orchard.
Dr. Cobin’s book, Life in Chile: A Former American’s Guide for Newcomers, is the most comprehensive treatise on Chilean life ever written, designed to help newcomers get settled in Chile. He covers almost every topic imaginable for immigrants. This knowledge is applied in his valet consulting service – Chile Consulting – where he guides expatriates through the process of finding a place to live and settle in Chile, helping them glide over the speed bumps that they would otherwise face in getting their visas, setting up businesses, buying real estate, investing in Chilean stocks or gold coins, etc. The cost is $49.
Dr. Cobin’s sequel book, Expatriates to Chile: Topics for Living, adds even further depth on important topics to expatriates who either live in Chile already or who have Chile on the short list of countries where they hope to immigrate. The book deals with crucial issues pertaining to urban and rural real estate transactions, natural disasters, issues pertaining to emigration and its urgency, money and the quality of life, medical care and insurance, business opportunities, social manifestations (including welfare state and divorce policy concerns), Chile in the freedom indices, social maladies (lying, cheating, stealing and murder), as well as discussion of a few places worth visiting and some further comments about Santiago.
For a brief introduction consider Dr. Cobin’s abridged book (56 pages): Chile: A Primer for Expats ($19), offering highlights found in the two larger books.
Buy Dr. Cobin’s Public Policy books at Amazon.com:
Christian Theology of Public Policy: Highlighting the American Experience (2006)
Bible and Government: Public Policy from a Christian Perspective (2003)
A Primer on Modern Themes in Free Market Economics and Policy (2009)These and other resources can be found on the Escape America Now resource page.

Marine Layer on the Chilean Coast

Having grown up on the Southern California coast (Santa Monica, Seal Beach and Huntington Beach), I got used to the frequent “marine layer” of clouds and sometimes fog that crept onshore most days.

The marine layer hardly ever extended past 5 miles inland, and served to keep the coastal communities far cooler than inland counterparts. For instance, Woodland Hills, Pasadena or Riverside might be 100°F while coastal cities remained at 80°F. The marine layer is produced when the cold Pacific Ocean water hit the desert mainland, rolling in late at night and not “burning off” until around 11am to 2pm the next day. It was especially prominent in certain months and for this reason was often termed “the June gloom.”

Central Chile is in many ways a mirror image of Southern California. While Santiago may have sunny 85°F to 90°F days throughout the summer and fall, coastal communities in the 5th Region, such as Viña del Mar, will have highs in the 60°Fs and be covered by the marine layer, whose name in Spanish is vaguada costera.

The main difference in Chile is that it does not burn off so quickly. In fact, sometimes it stays all day, making places like Viña del mar somewhat dreary. Nonetheless, the quality of life in Viña is marvelous and anyone coming to Chile should consider living there as an option in spite of the pesky marine layer. At least it keeps you cool!

     Chile is a freer place than most countries and looks better and better all the time. You might consider investing in the country and even moving to Chile. Chile has a new sustainable community starting called Freedom Orchard. Check it out. Buy your “Plan B” lot in it, and diversify out of the decaying assets in “First World” nations.
Also, be sure to tune in to Dr. Cobin’s radio program: “Red Hot Chile” at noon (ET) on Fridays on theOverseas Radio Network (ORN). You can also join the thousands of other people who download the shows each month via the archive link on our Red Hot Chile page (recorded show updated every Monday morning).
Be sure, too, to visit AllAboutChile.com for discussion and forums about the country and what’s going on with Freedom Orchard.
Dr. Cobin’s book, Life in Chile: A Former American’s Guide for Newcomers, is the most comprehensive treatise on Chilean life ever written, designed to help newcomers get settled in Chile. He covers almost every topic imaginable for immigrants. This knowledge is applied in his valet consulting service – Chile Consulting – where he guides expatriates through the process of finding a place to live and settle in Chile, helping them glide over the speed bumps that they would otherwise face in getting their visas, setting up businesses, buying real estate, investing in Chilean stocks or gold coins, etc. The cost is $49.
Dr. Cobin’s sequel book, Expatriates to Chile: Topics for Living, adds even further depth on important topics to expatriates who either live in Chile already or who have Chile on the short list of countries where they hope to immigrate. The book deals with crucial issues pertaining to urban and rural real estate transactions, natural disasters, issues pertaining to emigration and its urgency, money and the quality of life, medical care and insurance, business opportunities, social manifestations (including welfare state and divorce policy concerns), Chile in the freedom indices, social maladies (lying, cheating, stealing and murder), as well as discussion of a few places worth visiting and some further comments about Santiago.
For a brief introduction consider Dr. Cobin’s abridged book (56 pages): Chile: A Primer for Expats ($19), offering highlights found in the two larger books.
Buy Dr. Cobin’s Public Policy books at Amazon.com:
Christian Theology of Public Policy: Highlighting the American Experience (2006)
Bible and Government: Public Policy from a Christian Perspective (2003)
A Primer on Modern Themes in Free Market Economics and Policy (2009)These and other resources can be found on the Escape America Now resource page.

A Sober Discussion About Immigrating to Chile

Too many expats think that they’ll get the red carpet treatment just for arriving in Chile. Showing up with nothing and no ability with Spanish is a recipe for disaster. This is made even worse if you’re not willing to just hunker down and do whatever it takes. Pioneers rarely have it easy. And an entitlement mentality will only serve to make things harder for you.
That doesn’t mean don’t do it. It’s rewarding and wonderful. Just don’t do so in such a manner that destines you for failure.