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seoulguy

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About seoulguy

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  1. Thanks. If you look down the thread, you'll see the attorney took the bull by the horns to clarify all. There are just so many numbers, hard to tell which is which.
  2. Your post should be recognized by all; it is generous and professional, which is rare. So, thanks.
  3. Thanks, I outlined an issue, and he asked me to call. Never called from the U.S. to Mexico. In his email, he lists what I assume is a land line with the area code 376, which is Chapala, so not a U.S. number. If it's a land line, I guess I would dial 011 52 w/o + and then the 376 number, right? Otherwise, not sure what avatar on what post you refer to. I do not have VOIP, so I can't use that number. Just gets more complicated.
  4. Just a note in line with recent posts and not in line with recent posts. You will be traveling to Medellin. I'd recommend this site for current info: could be http or https:medellinliving.com. One interesting article compared rentals across strata. So, in Medellin, a huge city, but with good public transit, neighborhoods are defined by level, or stratum (called Estrada, I believe). I forget how many categories, but places like Poblado will equate with Fifth Avenue in New York or Polanco in DF and prices to match. I was able to armchair visit some of these neighborhoods just by a Google search for the name of the neighborhood and video, so Colombia, Poblado, video. Yes, some are biased toward selling something, but many are not. Likely the same with most anywhere in Mexico. I've revisited Chapala by video. I remember it pre-Walmart; this would be post-Walmart.
  5. Not too far, Angus MacT, consular offices moved from downtown to within a few blocks. It would be more convenient, but the lack of communication is a bad sign. Also, I need to clear up some issues that relate to the in-country step before I'll even collect the docs pursuant to an appointment, and that's why I'm asking for recommendations for lawyers who know all the details. But thanks; this is the best, most responsive forum around.
  6. Thanks. I highlighted, I hit quote, and nothing happened. The quote begins "Are they more flush....." First, I am familiar with LV by having lived in the Trop to Harmon/Paradise Road area, mostly traveling to UNLV campus. I have a mailbox on Rainbow Blvd. Anyway, I have SS and trust interest and business income, am single and have a hard time making ends meet. So, I'm wondering what kind of budget you would propose for SS alone. And I wouldn't get too excited about the 2% COL. If you were on Medicare, it would be eaten up fast, and watch whether politicians start broaching the possibility of overall cuts to SS. And speaking of Medicare, you'd pay for A/B, but you couldn't use either as a perm/temp visa holder in Mexico. It'd be IMMS, but virtually all pre-existing conditions are ruled out, or Seguro Popular.
  7. In reply to Mr. Berca, my timeline begins in January, so, no, I have not gathered the docs. I'm still having a problem just getting the Tucson consulate on the phone, and it looks like I'll have to go to Phoenix or Las Vegas. However, I'm not making plans until I have a thorough understanding of the process and feel comfortable that there will be no confounding factors. I'm aware of the docs required by the consular officials, the financial requirements and attendant costs. I'm looking for legal representation with whom I can feel comfortable discussing issues that may arise in the course of the in-country steps and, correspondingly, comfortable in transmitting funds. I've since learned that ChapalaLaw has something called a "prep" fee, whatever that means. That would be $50.00 + $36.00 out of the gate. So, a regular client-attorney relationship is essential. I appreciate the interest.
  8. The prospect of sending money to, or becoming otherwise involved with, a foreign national I don't know and who isn't located down the street is, of course, unsettling. So, I'm asking for recommendations for attorneys (abogados) or firms who have proven themselves reliable and have followed through at IMS. Is it your understanding that the relationship is understood to be attorney-client, or is this just some sort of administrative paper shuffling exercise where the attorney stands in place of the client, as it were, in line. And, finally, has anyone had experience with Spencer McMullen at ChapalaLaw? What was the outcome?
  9. I don't seem to know how to quote just a piece of this. Anyway, I'm in the same boat. I'm covered by interest income and SS (I am semi-retired), but I have to keep my business running to stay afloat. I have done everything but backflips to explore downsizing in U.S. Can't do it. I rent a single family house in Tucson, but at $900/month, it's steep and that would be considered cheap anywhere else. Hawaii, forget it; $900 wouldn't get you a dirty closet. Puerto Rico just got spoiled. Better think long and hard about Colombia. Good forum for it on ExpatExchange. I was about to give up on Mexico, too, but I found this website having rentals/sales all over Mexico at apparently non-tourist rates: https://vivaanuncios.com.mx.. I am exploring the site because expats have driven up prices everywhere, including Chapala.
  10. All of it....right on! Our fingerprints are everywhere. Some time ago, I watched some vids on Ajijic assisted living homes. When I've made these posts, I'm thinking about the septa/octagenarians and over who undoubtedly have credit files, but may well be entirely oblivious to the recent happenings. What about them? What happens when they start (hypothetically) receiving past dues from creditors they never heard of?? Additional note: Long ago I invested in hidden ISP tunneling for all private Internet use; mine is called Pure VPN. It is based in Hong Kong. It's my next best friend on the Internet.
  11. Looks like you're one of the few taking this seriously. Here is my stateside "freezing" experience for those abroad who are taking it seriously. 1. For all bureaus, freeze sites are intermittent because of the huge server demand, so be patient. 2. Trans Union. I used True ID and Locked. Fairly fast and convenient. No charges. 3. For Experian, delays in bringing up page, but then it works well, but be prepared for a lot of security questions, so better be very familiar with the contents of your credit files. Cost me $5.00 and PIN provided online, no mail. 4. For the offending beast Equifax, very long delays in bringing up page, but they're not charging and not asking a lot of questions (could be a bad sign). Be sure to have Adobe Acrobat because your PIN will be provided on that platform and will be provided online, no mail. It is a random 10-digit number. If you run the program without Adobe, you'll have to call to arrange for a PIN to be mailed. Way too sloppy and inconvenient. 5. I also have credit monitoring. Alerts are fine, but that can mean you already have a hard inquiry you don't know. Now you have the inconvenience of investigating it yourself and an account may be in the process of establishing itself, just more disputes, more problems.
  12. I read some of the comments and let it go, returning to my manuscript work. Then, it occurred to me that dismissing credit monitoring could be disastrous for any person, but especially those beyond US borders. As an example, your personal info was stolen from EQ. Some weeks later, a hard inquiry was made on your report. Since you have no monitoring, you would be unaware that this hard inquiry was based on a fraudulent application for a bank credit card or some other major purchase. You missed your first opportunity to dispute the fraud. Then some days later an account is opened, a fraudulent account in your name. No monitoring, so you also know nothing about it. This is now very dangerous and paves the way for a mountain of paperwork to get it off the record. So, not lecturing, just saying.....
  13. Looks like this issue would add to the complication of living abroad. The poster that froze before moving made a wise decision. But what about those who didn't. Wondering if expats routinely have credit monitoring and what would happen, especially now, if bogus accounts pop up. Getting resolution is hard enough in country, let alone Mexico. Currently all phone circuits are busy. My own credit monitoring program doesn't answer. I tried to get fraud alerts through Equifax, no luck. Who can you trust anymore? Freezing is not as easy as it sounds; there are docs to send to prove ID, and PINs to get sent, but sent where....somewhere in Mexico to an unverified address??
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