I’m on a short visit to the U.S.A. to take care of No.2 Sis after she’s had surgery. Being back in freezing Minnesota has really driven home the reasons I can’t retire here.

HOUSING COSTS:

I’ve mentioned before that my rent in Costa Rica is $675 and my house payment in Minnesota was $1500. Both houses are similar in size and layout, with 2 bedroom-and-bath suites on opposite ends of the house.

When you add utilities in, the cost differential is even greater. In Minnesota, you need heat in the winter and and air conditioning in the summer. That ran me about $100-125 every month, year round. $100 per month in Costa Rica pays for all my utilities, PLUS internet, PLUS my land line phone, AND a security service for the house.

Of course, my utilities would be higher if I had air conditioning, but so far I’ve been okay without it.

MEDICAL COSTS:

My health insurance, still bought from the U.S.A., is a continuation of the group coverage I had at my last job at “The Company”. It costs me $680 per month, and I pay an additional maximum out-of-pocket of $2500 per year. That basically puts my cost at $890 per month.

Once I no longer qualify for the continuation of my work insurance, my per month cost may go up as much as another $400 per month.

When I qualify for residency in Costa Rica (which has, admittedly, been a moving target) I expect my premiums to be around $200 every month, with no further out-of-pocket expenses. That will be a per-year savings of (where’s my calculator?) $5760 over my current medical costs.

MAIL SERVICE:

Mail service in the U.S.A. is excellent (as opposed to Costa Rica, where’s it pretty much nonexistent). That’s both good and bad.

Since I’ve been home, I’ve ordered a few things to be delivered to No.2 Sis’s house. A puzzle book, a small dehumidifier, a clip-on lens for my i-phone camera (damn you, late night infomercials!), a puzzle book, ink cartridges for my printer, toothbrush heads, health supplements that promised to make me young again (damn you, late night infomercials!), a puzzle book, a Magic Jack, an herbal remedy for vertigo, a new Kindle, a puzzle book…

Okay, not having mail service in Costa Rica is really a big money-saver for me.

FOOD:

I don’t really like the food in Costa Rica, which has been really great for me. I’ve lost 25 pounds, and my blood glucose levels are back in the healthy range. Of course, I’ve lost the will to  live, but still, I think it’s a net positive.

And in Costa Rica, there’s no access to the Tasty Gates of Hell.

TASTY GATES OF HELL

TASTY GATES OF HELL

Stay tuned…