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Published November 27, 2017, Vol. 17, No. 207
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Cooperatives would get tools to better
compete against banks in the financial arena

By the A.M. Costa Rica staff

A bill that seeks to strengthen the role of cooperatives within the financial landscape has raised intense debate among legislators, 17 of whom support its approval.

The bill is titled: Reform to the Financial Intermediation Regulatory Law for Cooperative Organizations.

The initiative aims to authorize savings and credit cooperatives to raise funds from the public and lend money to non-members, just as if they were banks. However, they would have the benefit of not being subject to the supervision or taxes and contributions to which banks are subject.

The plan declares the creation of cooperatives of social interest and would label them as one of the most effective means for the socioeconomic development of the population.

Likewise, the current legal prohibition of engaging in activities with non-associated third parties is eliminated, so they will be able to do business with micro, small and medium-sized companies and even issue investment instruments in the stock market.

The cooperatives would be exempt from turning over 10% of their net annuities - after deducting the income tax - to the Institute of Cooperative Development (Infocoop), which must be done by public banks according to the Organic Law of the National Banking System and the Law of Cooperative Associations.

The law would also establishes that private banks must allocate 17% of their total deposits in terms of 30 days or less in order to direct those funds for Banca para el Desarrollo. Cooperatives would not be subject to that obligation.

Another part of the bill establishes that while private and state banks must pay 30% for income tax, cooperatives are exempt from that tax and instead, the surpluses that are distributed to associates pay only 5% tax.

Likewise, 8% tax would not be charged on the interest generated by securities issued by cooperatives. Public banks must turn 5% of their profits to the National Commission of Loans for Education (Conape) and 3% to the National Commission of Emergencies.

"If we are giving them the same functions and equating cooperatives with a bank, we must also request the same conditions," said the legislator of the the Citizen Action Party (PAC), Steven Nuñez.

According to Nuñez, the reform touches on fiscal issues that could open a loophole for banks and the people themselves to invest their savings in cooperatives and not in banks, having negative effects for the treasury.

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AM Costa Rica archive photo 
Some cooperatives already offer loans, mortgage and financial services to both members and the general public.

The Department of Technical Services of the Legislative Assembly, in charge of advising technically and legally the lawmakers during the processing of bills, posed several questions to the initiative, saying it could distort the figure of cooperativism.

Specifically, it states that the initiative aims to give cooperatives the power to carry out activities and functions that are currently carried out by groups of private entrepreneurs and public banking institutions that have profit as a goal.

"These entrepreneurs meet a series of objectives of their legal and economic nature, especially the profit and gain," said Technical Services, recalling that such an objective is completely different to the social or solidarity interest that has been ruling in the cooperative sector.

"Although it seems to be a viable business option, it leaves aside the fundamental objective of being a cooperativist, as it enters markets of simple and pure profit, forgetting about the partners and their needs, as well as the reason that gave rise to the aforementioned concept," adds the technical-legal criterion.

The document adds: "The proposal is an attempt that incorporates an expansionist meaning that can affect the general economy and other groups that make up the financial system."

The technical services statement explained in that in a cooperative the purpose is not the profit but the service to the partner. Thus, profit is not possible in these entities, because customers are the same owners and cannot profit from it. It is for this reason that the operations of cooperative members do not generate profits as in banks, but surpluses.
.....

Costa Rica moves forward to become
a zone free of single-use plastic

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By the A.M. Costa Rica staff


An initiative promoted by Minae, the Ministry of Health, MarViva, CRUSA Foundation, the United Nations Development Program (UNDP) and the National Chamber of Retailers and Allied Merchants (Canacodea) seeks to replace the single-use plastic with other renewable alternatives and compostables.

The Technological of Costa Rica (TEC) seeks to lead the way for sustainability. Through the Institutional Unit of Environmental Management and Occupational Safety, TEC has decided to move toward the elimination of plastic for a single use.

In the short term, the institution plans to eliminate straws, containers for food and drinks, wraps and disposable, and plastic bottles beverages, among others.

In 2016, around 7 billion people generated 300 million tons of plastic waste in the world.

Out of it, the United Nations Organization estimates that some 8 million tons per year go to the oceans, causing serious damage to wildlife and marine ecosystems.

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AM Costa Rica wire services photo  
Plastic bottles are slowly being replaced
by glass bottles
.


Although the authorities insist on stopping the use of plastic, this global problem is increasing and the generation of plastic has increased significantly in recent years.

According to the Ministry of Health, the Ministry of Environment and Energy (Minae), and the United Nations Development Program, the ecosystem, under ideal conditions, takes 500 to 1,000 years to biodegrade these plastic materials.

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A.M.  Costa Rica

Second News Page
Published November 27, 2017, Vol. 17, No. 207
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.....

Adding value to honey and papaya products


By A.M. Costa Rica staff

Four groups of producers, seeking to add value to their primary products, have partnered with private and public companies to take their businesses to another level.

The Anchor Agricultural Association of Playón de San Isidro de Parrita, creates a hash of green papaya and seed capsules and green papaya peel while Apiaries Don Dago, from the canton of Esparza, produce energizing products from honey and honey comb.

They were joined by the Association of Women Entrepreneurs of Jicaral, in the district of Lepanto, who have developed cosmetic products based on honey and hive products and the Monteverde Cosmetics Society of the Monteverde district, which produces papaya and honey shampoo and conditioner.

Entrepreneurs are in the process of registering their products with the government before their launch to the national market.

To identify the value chains with the greatest potential, a cooperation agreement between the Ministry of Economy, Industry and Commerce (MEIC) was developed in 2016 and 2017, under the program Achieving Scale, with technical support from the Economic Commission for Latin America and the Caribbean of the United Nations (ECLAC) and the financial contribution of the CRUSA Foundation.

The Central Pacific region was chosen to transform the primary products of papaya and honey into products with higher added and help close existing socioeconomic gaps between this region and the most advanced in the country.
the domestic market and and international markets."


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Procomer photo    
Adding value to raw products seeks to increase their possibilities to export.

"This process implies a paradigm shift guided by the potentials of demand, productive transformation and true interinstitutional and intersectoral articulation.  It is also the first value chain that exceeds the level of research to reach implementation with results that will soon be on the market," said Geannina Dinarte, Minister of Meic.

After the ECLAC study, the papaya and honey chains were chosen, based on a set of quantitative and qualitative criteria and indicators to analyze the transformation capacity of these primary products.

"The CRUSA Foundation participates in this activity with great satisfaction for the work done by our implementing partners," said Marisela Bonilla, Project Director of the CRUSA Foundation. "The value chains that were benefited in the Central Pacific are honey and papaya producers and today we see these higher levels of innovation and added value that will make them more competitive in 
the domestic market and and international markets."


Having a specialist in geriatrics in all hospitals,
the next goal of the Caja


By A.M. Costa Rica staff

Ten years ago, only one hospital in San José had a physician specialized in geriatrics. Today, only four hospitals from the national network are missing one, according to data released by the Caja Costarricense del Seguro Social (CCSS)

The CCSS offers this service in all national, regional and peripheral hospitals. However, Maria Eugenia Villalta, medical manager, said that the staffing of these specialists is pending in peripheral hospitals: Upala, Los Chiles, Tomás Casas de Ciudad Cortés and the one from Ciudad Neily.

In the latter, there are specialists in internal medicine who can assess the elderly population and also belong to a network of services available to other professionals, such as family and community medicine.

This year the institution expanded the training quota so that instead of the 10 doctors who entered annually, this year 16 started the specialization program.

The specialty in geriatrics lasts 5 years, period in which students have to rotate for Internal Medicine services in the three national hospitals of San José and the last three years, the training process is executed in the National Hospital of Geriatrics and Gerontology.


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AM Costa Rica archive photo    
The health care demand for senior citizens is expected to increase in the following years.

The selection of professionals who enter this postgraduate course is considered to be very rigorous.

.....
.....
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Medical Services

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Our effort is for you, to have a better quality of life.

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Attorney at Law
...
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Serving in Atenas area

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....

A.M.
Costa Rica

Third News Page
Residency

Published November 27, 2017, Vol. 17, No. 207
Calendar
Opinion
Classifieds
Real Estate
Lifestyle
Food
About us
 
......

Costa Rica and France sign agreement
to foster cultural exchange

By A.M Costa Rica staff

An agreement has been signed by the Costa Rican Ministry of Culture and Youth and its French counterpart. The agreement seeks to strengthen cooperation and the exchange of experiences on topics such as architectural heritage, the preservation and enhancement of historical and archaeological sites and museology. The exchange of ideas would also include discussion on the cultural economy, design and craftsmanship; and cultural policies. 

The signing of the document, which took place on Thursday, November 23, at the National Center for Culture in San José, was attended by Sylvie Durán Salvatierra, Minister of Culture and Youth of the Republic of Costa Rica, and Thierry Vankerk-Hoven, Ambassador of France in Costa Rica.

According to the new agreement, this cooperation will open the door to youth education and will include an exchange of professionals who will present collective thematic seminars. Student exchange and individual stays will be encouraged as will internships in institutions and cultural entities, and scholarships centered on national heritage.

In addition, the eventual sending of French experts to Costa Rica to discuss issues of common interest is contemplated. There is also the possibility of developing cooperation between higher education artistic institutions.

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   CMinistry of Culture photo     
Cultural partnering between Costa Rica and France has allowed the creation of important events in the country, such as La Fête de la Musique.

"Costa Rica and France generate cultural cooperation activities regularly. This is the case, for example, of the technical assistance we are receiving in the National Cinematheque project, as well as the policy advice, decentralization and economy of culture that we received from the professor emeritus of the University of Paris and expert in economics of culture, linkages and employability, Xavier Greffe, who accompanied us in person in 2016, and will return in 2018 again. Or the support with specialists for the subject of design and banking for the creative sector that we have agreed upon. This instrument will enhance and expand this cooperation," said Sylvie Durán, Minister of Culture and Youth.
..........
United Arab Emirates establishes an Embassy in Costa Rica

By A.M Costa Rica staff

The Government of the United Arab Emirates (UAE) announced the decision to open its embassy in Costa Rica. This was reported by Sheikh Abdullah bin Zayed Al-Nahyan, Minister of Foreign Affairs and International Cooperation, to his Costa Rican counterpart, Manuel A. González Sanz; during the bilateral meeting last week in Abu Dhabi.

The announcement was made precisely on the same day that Costa Rica officially opened the facilities of its embassy in the capital of the federation, whose opening ceremony was attended by the UAE Minister of State, Zaki Anwar Nusseibeh.

So far, the UAE Embassy responsible to conduct bilateral relations with the Costa Rican State, is the Embassy in Lima, Perú.

These announcements were made as part of the work tour carried out by Foreign Minister González Sanz to the United Arab Emirates, with the purpose of confirming the strength that has been forged between the two countries in less than two years. "The gesture, an immediate response of reciprocity, is the best testimony of the Emirati interest and its desire to take bilateral relations to new levels of interaction," said  González.

The Minister of Foreign Affairs of Costa Rica explained that, along with Minister bin Zayed Al-Nahyan, it was agreed to generate specific approaches.

"We agreed to concentrate on this stage of relations, on promoting connectivity, tourism on both routes, trade, investments and cooperation especially in the field of renewable energies, in order to generate better and greater opportunities for the welfare of both countries ".

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   AM Costa Rica archive photo     
The two countries seek to prioritize tourism, trade and investment.

González attended the invitation of His Highness Sheikh Mohammed bin Zayed Al-Nahyan, Crown Prince of Abu Dhabi and Supreme Deputy Commander of the UAE Armed Forces; to carry out the current work tour that will continue in the Emirates of Sharjah and Dubai.

Costa Rica and the United Arab Emirates have signed five international agreements: Air Services Agreement, Agreement for the Promotion and Protection of Investments, Agreement to Avoid Double Taxation, Agreement for the Suppression of Visas in All Passports, Memorandum of Political Consultations. At the level of trade and exports, the Memorandum of Cooperation between the Promotora de Comercio Exterior (PROCOMER) and the Chamber of Commerce and Industry of the Emirate of Sharjah was signed. A Cooperation Agreement on Economic and Technical matters is currently under negotiation.


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A.M. Costa Rica's Fourth News page
Published November 27, 2017, Vol. 17, No. 207
Calendar
Opinion
Classifieds
Real Estate
Lifestyle
Food
About us
.....

Woman dead after tree branch hits her boat

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By the A.M. Costa Rica staff

A tourist's body was found yesterday in Barra del Colorado, after an accident in which a tree branch hit the boat where the victim and seventeen other people where touring the rivers.

Red Cross confirmed the deceased person to be a 20 to  25 years old female from an undisclosed nationality.

The death occurred once the branch hit the vessel, causing it to sink around 11:30 am yesterday.

Seven other people were injured and taken to the hospital in critical condition. The Judicial Investigation Organization carries out the investigation.

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Wikipedia photo   
...
Barra del Colorado is a popular destination for tourists seeking to watch wild animals.


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 *HIGHEST SUCCESS RATE
OF RELOCATION*

 (as reported by the moving companies)
Visit many rental options to actually experience the price/amenity options available in more of the areas chosen by Expats for security, comfort, and quality of life.

Meet many Expats who are willing to share their experiences and how the tour has value long after the “lust” wears off.
See how to choose a Retirement tour video by past guest!
HERE!

Ask the others what you get for your money, and then compare the quality of accommodations, quality, quantity and variety of food and drink to measure the best value for your money. 

Learn how others “talk the talk” and learn who really can “walk the walk”

Please visit my Web site  to contact my references.

George Lundquist, Retirement, Relocation, and Lifestyle Guide. Email : lundquistgeorge@gmail.com
9113-7/4/17

experience Costa Rica
Costa Rica Travel In Paradise Group Tours

Looking for easy booking process for a smooth Costa Rica trip?   We customize wonderful trips to Costa Rica.  We offer you our wealth of knowledge for a great experience . . . a trip of a lifetime!!!

* FAMILY VACATIONS. Our travels take into account the different ages of your family enjoy the most from your Family vacations. Click HERE!

* GROUP TOURS. Whether for a church group, couple of friends, Scout troop or a family group. We provide excellent quality service in your Group Tours. Click HERE!

* EDUCATIONAL TOURS. Tours for universities to schools to elementary schools. We have professionals to help you discover the secrets of Costa Rica in a fun way. Costa Rica Educational Tours. Click HERE!

* GUIDED TOURS. General holiday planning giving you the best value for your investment Costa Rica vacation Packages. Click HERE!

Contact us: 
Dial toll FREE from USA or Canada:  1.800.901.0114
CR local phone:  +506-2274-3231
Cells:  +506-8380-5919  and +506-8302-5877
Email:  info@travelinparadisecr.com
Web:  www.travelinparadisecr.com
8995-4/17/17

218-8/25/17
U.S. Income Tax Services (paid category)

Summers102317.jpg U.S. Income Tax Services
Marlene B. Summers
T
ax Accountant
Let’s discuss your tax situation.

Marlene
                                  Summers
The IRS has become more aggressive and if you have not filed, you must do so. 

However, there are solutions to problems and your situation may be better than you think.

If your filing is not up to date, Streamlined Filing can be used with no penalties.

Including disclosure of foreign corporations to avoid serious problems.

If tax payment is holding you back, the IRS has options to solve payment problems.

You can file current or past due FBARs without payment to meet IRS  requirements.

If you have yet to file, do it now as there is still time.

Over 20 years in Costa Rica
and Silicon Valley.
Competitive rates.

Phone (506) 2289-6590 ; Cell (506) 8750-2316
Email: marlene.summers@gmail.com
9186-6/30/17

James Brohl
James Brohl, C.P.A. & M.B.A.
US Income Tax,  U.S. GAAP Accounting
& Business Consulting
n
Specializing in all matters of concern to U.S. taxpayers residing abroad including:
n
• IRS filing requirements of foreign income tax exclusion (up to $102,100 for 2017).
• Past-due tax returns: Taxpayers filing before an IRS notice do not face criminal sanctions.
• Reporting foreign financial assets: FBAR and foreign corporations.
• Up-to-date FATCA news.
• All US Tax return preparation:
individual, business, estate and trust.
• eFile returns: secure with faster refunds.
• Business consulting to facilitate working in Costa Rica.
Telephone 8305-3149 or 2256-8620
E-mail jrtb_1999@yahoo.com


Real estate rentals (paid category)

Tropical Homes
                                                logo
Tropical Homes of Costa Rica is offering the best selection of vacation homes, condos and long-term rental homes in Playa Flamingo, Playa Potrero and Playa Brasilito on  the Pacific Gold Coast of Guanacaste. A wide selection of private residencies is providing an excellent choice for  your stay in this beautiful part of Costa Rica.We are offering homes for every budget and every need. Please visit our Web page at www.tropicalhomesofcostarica.com or contact us at rentals@tropicalhomesofcostarica.com or call at (506) 2654-5442
9055-2/23/17


Spectacular rentals are available for low weekly prices on SellMyTimeshareNow.com at resorts such as Bahia Turquesa Residences and Villas Sol Playa Hermosa in Guanacaste. We have 
Timeshare
1- to 3-bedroom ocean and garden view timeshares available and most offer air conditioning, cable TV, fully equipped kitchens, and relaxing hammocks on private balconies. Enjoy the unique combination of seclusion and convenience as all resorts listed on our site are close to popular Costa Rican attractions and downtown 
centers, but are surrounded in lush, tropical forest. Villas are also available for sale in our inventory, so you can enjoy yearly vacations to this mesmerizing rainforest paradise. Please visit our rental inventory HERE!  or call us toll free at 877-815-4227, International: 603-516-0200.  Email: info@sellmytimesharenow.com
9049-7/31/17


Real estate-related services (paid category)

CRsolar

COSTA RICA SOLAR
Serving All of Costa Rica

BUY YOUR SOLAR HOT WATER SYSTEM NOW!
Perfect for hotels, Save up to 40% of your electric bill.
LATER we'll calculate a lower install price for your PV system, now More Watts per Panel, Smarter and more Capable Enphase Micro Inverters mean Less Cost and more Flexibility for You. Fully Guaranteed!

Canadian Solar
Enphase M250 Microinverters
New experienced install crews

CALL TODAY!
Paul 506-8898-9398

Email: Paul.Furlong@CR-Solar.com
WEB: http://www.cr-solar.com/en/
Blog: www.crsolar.net


        Household Furnishings

FineFurniture

FFine Furniture of Sarchi - Sarchi, Costa Rica
All our handcrafted products are made in Sarchi with pride and quality by artisans who are dedicated to designing, crafting, and delivering our furniture to you. Please visit our website and send us a picture and specifications of what YOU like, or just send us pictures from anywhere you wish. We will quote you right back with a more than competitive price and an on-time delivery date. Delivery and set up available throughout Costa Rica. We have different Costa Rican woods from which you may choose. 
www.FineFurnitureOfSarchi.com
Contact information:
Adolfo's Cell 506-8831-4306
 Tom in the USA 803-261-6000
Email: Info@FineFurnitureOfSarchi.com


Shipping services (paid category)

Shipping
Moving to Costa Rica or Back to the U.S.?
  10 Years of Happy Clients
Canadian English or Spanish Spoken
Excellent Service, Competitive Prices
Call  (772) 361-1050
Email:   shippingcostarica@gmail.com
Our Web:  http://shippingcostarica.com
Free Ebook: How To Import to Costa Rica HERE!
Shipping Costa Rica


Psychotherapy


Dr. Gray
Dr. Lucinda Gray
California Licensed
Psychologist
International Practice

• Anxiety
 • Depression
 • Relationship Problems
 • Trauma EMDR click here
 • NWM Training
 
CR (506) 2228-2041
US (310) 827-4241
doclucinda@gmail.com
www.LucindaGray.com
Learn more about 
New World Meditation: (Second Edition) Discover True Happiness Thru
Experiential Healing 
Click Here
9057-2/25/17


Psychiatric Services
SERVICE CONNECTED DISABLED AMERICAN VETERANS (FMP)
Dr. Luis Carlos Sancho
DR LUIS CARLOS SANCHO TORRES
PTSD, Depression, Anxiety, Prescription Management

Send us your:
-VA LETTER WITH LIST OF DISABILITIES
-VETERAN IDENTIFICATION

Call me:  (506) 2246-3458
Email: veteranscr@gmail.com
4th floor at Hospital La Catolica, Guadalupe, San José
9234-12/1/17


                     Legal Services
Adrian Fernandez
Attorney & Notary
A Fernandez
Notary services and registrations. Collections and foreclosures. Real estate and litigation. Corporate Law. Immigration. Estate planning wills and testaments, probate.

I provide the highest professional standards. Official documentation and Notary deeds are always translated in English for better comprehension, client satisfaction and safety.

 Call me for advice
    Phone:  2280-9692 / 2253-3705
    Email: ajfernandez@racsa.co.cr
    Law Office is conveniently located near  Mall San Pedro, 350 meters south  from the Hyundai dealer, Los Yoses, San José.
9181-7/3/17

        Insurance professionals
The Garrett Insurance Group
Garrett
-Brokerage fully licensed by the
      government.
-Experience since 1980.
-Bilingual English/Spanish.
-Represent all the best insurance
       companies in Costa Rica,
       BMI, Blue Cross, Blue
       Shield, ASSA, INS, etc.
-Correspondents of WILLIS.
-Connections in all of Central
       America.
-Superb communications.
-Prize-winning Web site.
-English policy extracts.
-Helps you settle your claims.
Centro Comercial El Pueblo, Local #125, San José. Phone:  ( 506 ) 2233-9520  or ( 506) 2233-2455
E-mail : info@garrettbrokers.com
More information HERE!
9165-5/22/17
.....
..

 
A.M.
Costa
Rica
Fifth
news page


Published November 27, 2017, Vol. 17, No. 207
Calendar
Opinion
Classifieds
Real estate
Lifestyle
Food
About us

New exhibit brings Coco´s Island closer to Ticos and Residents

By
A.M. Costa Rica staff

The University of Costa Rica (UCR) has inaugurated the exhibition, “A Journey Through the Coco Island,” in order to bring information about the island closer to the Costa Rican people so they may better understand the island and be educated about its need for conservation.

Coco Island is one of the few oceanic islands in this area and its biological wealth impresses scientists and the few visitors who manage to reach it.

The island is located 532 km from the Costa Rican coast, and ranks fourth in the world among the most protected sites.

The Center for Research in Marine Sciences and Limnology (Cimar) and the National Museum and the UCR came together to organize this exhibition which aims to join the celebrations of the 40th anniversary of the creation of Isla del Coco National Park and the 20th anniversary of the declaration of the island as a World Heritage Site.

The exhibition will remain open to the public until August 19, 2018 and consists of information compiled by the Cimar, photographs of several professional photographers, videos and a model of the island.

According to Eugenia Zavaleta coordinator of the museum, it is a kind of journey through the history of the island, its flora, fauna, climate and natural beauty, as well as the main threats facing it, such as illegal fishing and pollution.

CocoIsland112717.jpg
Ministerio de Energía photo        
......
The exhibit seeks to celebrate the 20th anniversary of the declaration of Coco Island as a World Heritage Site by the United Nations.

On the other hand, the researcher of the Cimar, Jorge Cortés Núñez, commented that, thanks to the studies carried out in Isla del Coco by national scientists, it has been possible to document the natural richness of that territory.

"This knowledge has allowed the island to appear as a site of great biological importance in the world and to obtain donations for its protection," he said.

Want to read more? Check out these books listed below!
Brodell
                Book
Costa Rica: Remarkable Tales from Our Super Vacation Spot

By the staff and contributors at A.M. Costa Rica
 (editor)A.M. Costa Rica celebrates its 16th anniversary with a compilation of classic news reports geared to the needs of foreigners living here and those elsewhere with personal or business interests in this vacation paradise. Each seeks to tell something new or original about the vacation and retirement mecca.  
Read a sample and purchase the book HERE!
Trapped in
                Damas Cave
Trapped In The Damas Cave, Costa Rica

A true story by author Dusty Pilot, who lived in Costa Rica for 11 years. Dusty tells his horrifying story of being trapped in the Damas Cave, near Quepos, for 26 hours. The book is available from Amazon in both digital and print format. Digital format will be on sale for $2.99. Visit Amazon.com to preview or purchase, or DustyPilot.com/cave.html More information Contact Dusty Pilot Email: dusty@dustypilot.com  US phone: 001 440 796-4105




Trouble
                with Cash

The Trouble with Cash
By John H Paterson

Greg and Liz must sell their property in Costa Rica to finance their retirement. They receive an offer for their full asking price of $1 million, but it comes with one condition...the payment is to be in cash. They go for it. Things go wrong. The money is stolen.The local police are no help so Greg devises his own plan to get their money back.  Review or buy the book on Amazon ON SALE FOR $0.99
 Click Here  Email:  j.paterson@riomagnolia.com 
Phone: (506) 8868-5561
 Watch book trailer here:
New World Meditation
New World Meditation: Focusing-Mindfulness-Healing-Awakening
By Lucinda Gray PhD

You will be Free to Live, Love, Work and Play in the Full Creative Expression of Your Authentic Self. New World Meditation is easy to learn, easy to practice, and profoundly transformational.  More information HERE!


Money, Flowers and More

MAKE GIFTS FROM DOLLARS OR COLONES

Running out of gift ideas? Author Dusty Pilot has just released easy to follow, step-by-step instructions for turning bills (dollars or colones) of any denomination into unique gifts such as flowers: roses, daffodils, daisies and poinsettias; shirts and blouses, and birds with flapping wings. In Time For The Holiday -- Give Unique Gifts Of Dollars or Colones."

It will be available at the discounted price of $0.99 until Dec. 25.. It is available at all major online book stores. Preview or purchase at Amazon.com, or visit https://www.dustypilot.com/holiday-money.html  For more information Contact Dusty Pilot: Email dusty@dustypilot.com. Phone 001 440 796-4105
Life is a Tropical Garden

    Life is a Tropical Garden
By Victoria Torley 

   
A quirky look at gardening in the tropics. What happens when a "Northern" gardener moves to Costa Rica? You have no idea….

 Email: victoriatorley1@gmail.com

Order this book here: CLICK HERE


Brodell book 2
The Dark Side of Pura Vida: Murder, Betrayal, Abduction and Revenge in the Vacation Paradise

By James J. Brodell. Retired baseball player Jack Patterson becomes suspicious after his younger sister dies in a Pacific Ocean rip tide while on vacation in Costa Rica. Jack has to go there to find answers to troubling questions. But soon he is hijacked by a gang of avengers led by an icy Costa Rican-American woman who carries twin pistols strapped to her chest. Jack soon helps uncover a web of corruption and greed . Read a sample and purchase the book HERE!

HowardBook

Guide to Costa Rican Spanish
(English and Spanish Edition)


This one-of-a-kind best-selling Costa Rica Spanish phrasebook will help anyone including older retirees master the basics of using Costa Rican Spanish in real-life situations. Retirees, expats and tourists will get the most out of Costa Rica, be able to communicate effectively with Costa Ricans and understand the local culture. A practical pronunciation will help you sound a like a native Spanish speaker.  The book is now available for sale on Amazon click here

Furlong102317.jpg

Bohemian Road Trip
By Paul Furlong

"Makin' it Real--a Road Trip," is basically three themes running concurrently: A motorcycle racer who betrays himself by quitting... who looks at his watch one day... and realizes he's thirty now... and if he was going to be a star, he would be by now. So he quits racing and takes a year long trip to see who else might be in his reflection.

The book is now available for sale CLICK HERE 


A.M. Costa Rica's
  
Sixth News Page


Published November 27, 2017, Vol. 17, No. 207
Calendar
Opinion
Classifieds
Real Estate
Lifestyle
Food
About us
 

A quiet path
Rectangulo110117.jpg
torleyheader102917.jpg

G
ardens come in all shapes and sizes. Where there is just a small area and you need a place for chairs or a play area for children, your garden may be on the edges of the area. English gardens are often like that with a long rectangular greensward and plants along the fenced edges.

If you have a larger space, you may have more than one garden with interconnecting greenswards for walking from one to another or a more formal path. The question is, what sort of path suits your garden space.

We have a fairly large property – 4+ hectares – and a lot of paths. The first is a set of 40 some concrete steps that go from the house to a long rectangle of grassy area. I was going to leave it grassy, but ended up with flowers…. A path like that is easy to plan and certainly necessary as the hillside could get too slippery for walking.

Then there is the other hillside, also slippery. Over there, we cut a zig-zag path down the hill and turned it into terraced gardens. Where the straight path turns, we have a few steps up to the next path. Walking up that path is easier on my leg than walking some 40 steps but it takes a bit of time.

Then there are the forest paths through the shade garden. There are earthen paths where the land is gently sloped or flat and decorative concrete block where stairs are needed. My gardener (he can be a worrier) even put in railings next to the stairs.

Finally, we have lovely white stone paths through the gardens by the house. They are a great contrast to the flowers in the garden and the bright green of the grass. An edge of paving stones keeps the stone in place.
Rectangulo110117.jpg

Naturally there are other types of paths. Gravel, for example, makes and easy and inexpensive path and can be made more attractive with stepping stones. Stepping stones can set directly into soil and the soil areas planted with what we call “steppables” or “walk-on” plants, low-growing plants that don’t mind the pressure of the occasional foot.

Up in Georgia, I used a lot of shredded bark for paths. It was a bit pricy but felt great underfoot especially when I went barefoot, my favorite way of gardening.

Sadly, my barefoot days are over, because there are too many thorny plants and too many fire ants for me to garden without protection. I may have given up on going shoeless, but I still love my paths.



Plant(s) for the Week

Now you have a path (or paths) here and there. You worked long and hard on the path and the bordering plants. You need a place to rest. What could be more restful than a quiet garden bench. This one is surrounded by ferns, coleus (center above the bench), purple shield (left foreground), ornamental taro (right background), and tiny steppables filling the cracks in the rock wall. A perfect place to rest from your labors. Now if you just added a fountain…..



GardenBench112714.jpg
Victoria Torley photo    


.....
Real estate for sale (paid category)

44 LOTS FOR SALE IN GATED COMMUNITY

PLAYA AVELLANA, TAMARINDO, GUANACASTE
....

NewH110717.gif

Condominio Monte Donato II, is an unpretentious gated community, offering 44 lots at very accessible prices starting at only $19.995 and a monthly HOA fee of $28.

Located near Playa Avellanas and Hacienda Pinilla, at 3 miles from the beach. The project is located in a very quiet rural area. You will only hear sounds of birds and monkeys.  Playa Avellanas is one of the most beautiful beaches of Costa Rica and a Surfer’s paradise.

Common areas: Swimming pool, Rancho, shower, restroom, soccer field, play ground

Water: The project has its own well and a 13,200 Gallon storage tank.

Security: Guard lives on the premises. Perimeter enclosure.

Construction: No zoning plan. You can build when you want, what you want!

Lot Sizes around 250m2 / 2700 sq. ft.

For detailed information www.montedonato2.com/index

Cell: +506-8479-2384 - US Toll-Free: 1-888-263-2631

-English spoken
- Se habla español
- On parle français
- We spreken Nederlands




CODE 9267-9/28/17


Business for sale or lease (paid category)

Fishing Lodge for sale in Panama

DanielPeavy

Fishing Lodge For Sale In Panama. To many assets to
 list all.  Restaurant, bar, pool, 12 cabins, two 1 bedroom duplex, 3 hectares on the beach, 4 boats, boat storage,
boat ramp, 22 foot panga and more.  Remote and
Beautiful location on the fishing grounds. Built in
clientele list and a turn key operation. For more information and asking price our email address:
aquaad@hawaii.rr.com   Visit the site www.hookedonpanama.com

9284-3/22/18   



Live the dream!
Several profitable businesses, including a regional radio station, are for sale in Costa Rica. Certain purchases can provide the new owner with residency as well as a great lifestyle. So live your dream while making a profit. Contact: manager@crbusiness.biz.

Real estate brokers and agents (paid category)
CENTURY 21 JACÓ BEACH
Century 21

A Name You Trust,
Professionalism You Deserve

Tom Ghormley and the dream team!
Owner/Broker
in CR since 1979

Buying? Selling? Renting?
We Can Do It!
Let us help you live your dreams!
Beachfront, Views, Mountains,
Beaches, Houses, Condos,
Hotels, Restaurants, Projects,
Commercial, Investments and more

 Century 21 Jacó Beach
Playa Jacó, Puntarenas, Costa Rica
U. S. A. phone numbers:  (213) 283-5168 
or Toll Free: (877) 746-3868
Costa Rica phone number: (506) 2643-3356
Email: info@c21jaco.com
Web: www.c21jaco.com
9215-3/22/18


Remax Tamarindo
www.remax-oceansurf-cr.com The experts in buying property in Costa Rica, with more than 20 years experience and the largest networked team of agents in the country.  We can help you learn if investing in Costa Rica is right for you with our low-key, educational approach to sales. Our professional agents can tell you more about Costa Rica properties, including condos, homes, lots and & commercial real estate. Twelve (12) agents to serve you, from Playa Marbella to Playa Dante in the Guanacaste, through our Tamarindo and Flamingo offices. For more information, please contact our local phones: 506-2653-0073 Tamarindo / 506-2201-9056 Flamingo ~ Toll Free: 1-866-976-8898 or email:  info@remax-oceansurf-cr.com  or click here www.remax-oceansurf-cr.com
9145-1/2918


ReMax Playas del
                          Coco
We are an award-winning Team of Professional Agents working with Costa Rica’s #1 Selling Real Estate Agency RE/MAX Prestige Ocean Properties. Get to KNOW, LIKE & TRUST us and let us help you find YOUR Pura Vida! We have over 30 years of experience to educate our buyers and sellers in all aspects of Real Estate.  For Information on condos, homes, lots, farms, ranches, commercial or development property
CONTACT US TODAY with NO OBLIGATION whatsoever.

Link to Playas del Coco listings page HERE

Link to Playa Panama listings page HERE

Link to Playa Hermosa listings page HERE
Link to Peninsula Papagayo listings page HERE

Link to Playa Matapalo listings page HERE
Toll Free 1-877-293-1456
Email: michael@costarica-realestate.com

9174-2/7/18
.....
Real estate for sale (paid category)

284-3/22/18   


Charming country home in the mountains above San Ramon
Bril Cajar

Lot size is 500 square meters, total construction about 212 square meters, with living area of about 156 square meters. Three bedrooms (or two and an office), two and one half baths, shop/storage of about 30 square meters. Carport with space for two cars about 30 square meters. Completely fenced property. The area is peaceful and very secure.  For complete information click here

Contact Harv  in English and Spanish:
Email cap@lightsurfer.com  

Contact Marco in Costa Rica (Spanish) :
Email- marvama05@gmail.com
Phone- +506-84608000 or +506-8667-2823.  

Web page:  www.costarica-house.com

Or CLICK HERE FOR MORE COMPLETE INFORMATION

Versatile 2 Floors Building for Sale
Holley ad
Completely remodeled building. 14 areas for residence and/or offices, call center, upscale storage. Transportation within 50 meters, commuter train, buses and taxis. School, park, gymnasium, tennis club and National soccer stadium walking distance. 24-hour security, many restaurants, clubs and social facilities nearby.

Approximately 323 meter construction. $295,000. Contact  Jim Holley, E-Mail: jimmy6902001@yahoo.com Local CR phone: (506) 8912-5651

9266-12/5/17


Colinas del Sol
COLINAS DEL SOL Fenced Gated Lots for Sale

* Colinas del Sol is a fenced and gated project  in a quiet area.
* There are 88 clear titled lots.
* Mountain areas with great views.
* Gently sloping level areas ideal for hobby farms, gardening, fruit trees.
* Quiet place to get away from the busy city and beach crowds.
* All lots have gravel roads to them, water and electricity at each.
* Lots are 5,000 sq. meters or larger, starting at only $50,000 USD
* Located in Libertad, Guanacaste, northwest Pacific area of Costa Rica.
* 20 minutes to the Liberia International Airport
* 15 minutes to the Pacific Beaches
* 10 minutes to Medical Facilities
* 25 minutes to the Liberia Hospital
* 5 minutes to Vista Ridge Golf Club

Contact:
In Costa Rica, Jeffrey Sandi Murray:  jsandimurray@colinasdelsolcr.com
In the USA and Canada contact Jim Day: jimday50@aol.com or call 517-484-3675

For more information Click Here: www.colinasdelsolcr.com
9261-3/2/18




Costa Rica Penthouse

Costa Rica Penthouse For Sale

 Enjoy the most spectacular views in the valley in this 5 -story Penthouse.  One of a kind property on top of the Corobici / Crowne Plaza Hotel in Sabana overlooking the Central Park and new Soccer Stadium in San José.  Excellent location provides you easy access to everywhere.  Other benefits include 24-hour security, 2 restaurants inside the hotel plus other businesses.  Large Living Room, Elevator goes directly inside Penthouse.  Private hot tub deck and Dance floor with Spectacular views!!!  All exterior walls are glass or have windows. Commercial license is in place.  Seller will consider owner financing.  Asking $695K U.S.  Also available for monthly rent for $3,500 per month on an annual basis.  This is a private condo residence and is Not associated with the Crowne Plaza Hotel.  

Go to www.ThePenthouseCostaRica.com  
U.S. contact: Carl Stratton, cell phone: 813 310-7402  Email crstratton@ymail.com
Costa Rica contact:  Dan Wise, phone numbers:  2232-4063 / 2232-8610  Email: danwisellawyer@yahoo.com
 CODE 9229-12/6/17


            Real estate-related services
 
                                    (paid category)


Costa Rica Solar

COSTA RICA SOLAR
Serving Atenas and Surroundings Areas

BUY NOW! Your solar hot water system, so in three months, we can calculate a lower install price for your PV system.  Perfect for homes and hotels. Save up to 40% of your electric bill. More Watts per Panel, Smarter and more Capable Enphase Micro Inverters mean Less Cost and more Flexibility for You.  Fully Guaranteed!

CALL TODAY!
Paul 506-8898-9398

OUR EMAIL:
andrefurlong@gmail.com
Paul.Furlong@CR-Solar.com
VISIT OUR WEB:
BuyaTimeshare.com
Browse timeshares for sale and rent by owner in Costa Rica at bargain prices. We connect existing timeshare owners with those looking to buy or rent a timeshare on the resale market. Timeshares on the resale market are up to 50% cheaper than those sold through the resort. Already own a timeshare and looking to sell? Stop saying “sell my timeshare” and let BuyaTimeshare.com help you find a buyer or renter.
CODE 9264-3/2/18
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A.M. Costa Rica

Seventh News Page Business
Published November 27, 2017, Vol. 17, No. 207
Calendar
Opinion
Classifieds
Real Estate
Lifestyle
Food
About us
....

Properties would be protected from foreclosure,
if they house minors and students under 25


By the A.M. Costa Rica staff


The Legislators of the Economic Affairs Committee have endorsed a reform to articles 43 and 47 of the Family Code, which would prohibit foreclosures on homes housing minors or students under the age of 25 years.

It is a modification to the Regime of Affectation of the Assets of Family Patrimony. Currently, this system protects homes from foreclosure if the family includes children under age 18.

Gerardo Vargas, representative of Frente Amplio (FA), proponent of the initiative, affirms that this regulation ensures access to housing. He also explained the Ombudsman could also recommend expanding the coverage if the family included members with disabilities or the elderly.

"The State must guarantee the protection of the family, the Political Constitution of our country provides such a guarantee in Article 51." said Vargas. "For this reason, we legislators, have an obligation to enforce compliance with this mandate."


GerardoVargas112717.jpg
Wikipedia photo
Gerardo Vargas, proponent of the bill.


The benefit applies until the death or “aging out” of the member of the family who appears as beneficiary.

....
The contents of this Web site are copyrighted by Consultantes Río Colorado S.A. 2017 and may not be reproduced anywhere without permission. Abstracts and fair use are permitted. Check HERE for details