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Experience Dominica – The Nature Island: Dominica Vacations | Exotic Vacations | Honeymoon Destination

Dominica weekly is a personal weblog about the nature island of Dominica.


deep thoughtsPhoto by Shayan (USA)

People discover our Web site (dan-ruth-tanner.com) and write saying “you’ve found Utopia” or words to that effect. That’s nonsense. There is no Utopia. People everywhere are the same; human nature is the only universal constant.

You will have to learn to do without many conveniences that you were used to. Don’t ever expect punctuality. Never, ever, pay for anything until all work is complete and to your satisfaction. Don’t buy a vehicle that had been used here – it probably won’t have been maintained properly and may have jury-rigged repairs; import your vehicle.

Expect frequent electric power and pipe water outages and have a surge suppressor on your circuit breaker box to protect your appliances. Get one at www.full-protection.com. Make sure they know that you need one for UK-style single-phase 220V. (One made for US-style split-phase 220V will not work – and will burn out right away.)

Many things that you’re used to may be impossible to find here or nearly prohibitively expensive. Many manufactured products available here are made for 3rd-world markets and while the lowest-priced are often shoddy; while 1st-quality goods tend to cost far more than in the US or Europe.

There are numerous Web sites that offer quality brand-name appliances set up to run at the 220-240VAC/50Hz UK-type electrical power available in Dominica. From personal experience, I recommend Kunst Electronics and Home Appliances. They explained why a US 220V dryer won’t work here (the US uses split-phase 110V and only the dryer’s heater is 220V; the motor is 110V and would burn out) and when a surge blew the control circuit board in our refrigerator Mr. Kunst personally phoned in response to our service-request e-mail in mere minutes, helped us locate the GE part; discounted it and expedited its delivery – what a hero!). Now we double-protect our refrigerator with an additional protector at the outlet. And we unplug it during outages and plug it in again after the returned power stabilizes.

You’ll need a transformer anyhow because many things can’t be bought in 220V versions, even here. Courts only offer 110V vacuum cleaners. LIME provided us with an 110V modem and cell-phone charger. Be aware that power (watts) simply adds up. Domlec claims that a 2000W transformer left plugged in uses over EC$100 per month, but that’s patent nonsense. We have an always-on 5000W transformer and our total bill has never reached as much as $EC90. And, a transformer also acts so as to smooth power surges. If you’re worried about power interruptions affecting your PC use, employ a laptop (which can run on 110V/60Hz or 220V/50Hz and is buffered from power failure by its battery. Or bring an UPS (uninterrupted power supply).

It can be difficult or expensive to get your US funds here and/or it can take a long time. We found a method that works well for us: You can get a free on-line FDIC insured account via the Charles Schwab web site. We use the on-line bill-pay feature of our Bank of America account to transfer money to the Schwab account. Schwab lets you withdraw funds in local currency at any ATM displaying the VISA logo, and that’s just about every ATM in Dominica. Schwab gives the full exchange rate and even refunds to your account any ATM or other charges. You don’t want to have too much of your savings here; keep them in the USA in an FDIC-insured institution.

This is the tropics, so expect more bugs. Ants are everywhere. Some species go after your food. Some are scavengers of dead insects, etc. “Wood ants” are actually termites – be on guard against them. We’ve experienced some gnat plagues of practically biblical proportions. Big yellow spiders like to hide under things in dark corners. Millipedes will crawl into your house. Centipedes, which have a dangerous bite, hide in damp dark places outside usually, but will come into houses. Large roaches also come inside.

Be on guard against mice and rats; leave nothing around that will attract them. “Regular” trash collection is anything but regular or dependable. We rinse all cans and bottles and foil, etc and keep that in a container for trash collection. We compost all vegetable matter. We burn all waste paper, plastic, wood etc. (Rinse or tie any plastic bags slated for burning to prevent drawing ants.) Waste animal matter (bones, fat, offal from cleaning fish, etc) must be disposed of promptly and properly. Otherwise you’ll have maggots, feral dogs and cats tearing up garbage bags, ants and rot odor all amazingly quickly. You can find a place to feed this stuff to scavenging dogs and/or cats. You can bury it – deep. You can toss waste from fish into the sea, where scavengers will do their job. If you’re making a fire, you can burn it and rake out the bones and ash to mix with compost.

Keep all your receipts. Even the government offices and some businesses “lose” records. We know of a number of people who have had to pay deposits and fees twice, or who can’t return items that are defective. Check the expiration date on anything you purchase. Test everything before leaving the store if possible.

Expect your plans to go awry. I was going to take regular long walks, but an arthritic hip ended that plan. I was going to help at a friend’s garden to get in better shape, but I realized that even the walk to it would be too much for me. The time, the heat of the sun, the humidity, eroding willpower all conspire against the planner.

Have a hobby. There’s only so much hiking, snorkeling, swimming and gardening you can do, and you don’t want to be fighting boredom.

You’ll need to have a US address in order to maintain a US bank account, have and renew credit cards, etc. Choose a reliable friend or relation to provide that address and to forward your mail to you – and expect forwarding to take an average of 3 weeks.

Make arrangements for your health (including dental) care and bring a supply of any prescription medications that you use. Pharmacies here can’t dispense to a foreign doctor’s prescription, and many medicines aren’t available here.

Get used to certain tropical conditions: high humidity, “blast” from the sea that corrodes nearly anything and has strange effects on many materials, huge raindrops driving in close to horizontally by squall gusts, and high clay content mud that has incredible adhesiveness and slipperiness when wet and is nearly concrete hard when dry.

But we’re not complaining – just being realistic. We love it here and wouldn’t change any of the choices we’ve made. If you decide on Dominica too, we can only hope you’re as pleased as we are.

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What can we as Caribbean people do to be more responsible for their financial situations?

What can we teach our children so that when the next economic downturn comes along they’ll be prepared.

One possible answer is to become better educated about what it takes to be financially secure. It’s no easy task, under the present circumstances, when so many of the different islands are struggling to get a financial foot-hold on their economy.

But besides educating our children about financial responsibility, we must keep a positive attitude, and more importantly passing on this behavior to our kids.

Here are some simple lessons we can teach kids as a part of their long-term preparation for adulthood. Not forget the basics: spend less, save and (cautiously) invest more, and always follow a plan.

1. Start by being honest with yourself about your situation, and then take positive steps to better understand and cope with your present situation.

2. Manage and track your spending.

3. Start a savings account, and save as much as you can.

4. Reduce credit card spending — try your best to stay out off debt.

5. Continue to learn — you are protecting yourself when you maintain a marketable skill.

6. Maintain health insurance.

7. Open a retirement account and add to it monthly. Take responsibility for your own future.

Even in a fluctuating job market, consider yourself capable, and acknowledge your potential by maintaining a positive attitude, and being kind to yourself. Recognizing the significance of our contributions and the validity of our participation, is an important factor in the development of our self-concept. It also helps build the confidence we’ll need to get over the financial hump.

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In a world where out-of-hand credit led to one the worst financial crisis ever experienced by the global village.

This is the same out-of-hand credit is presently taking the Caribbean by storm, banks in the Caribbean who were once very reluctant in issuing credit cards likewise debit card to just anyone – nowadays anyone with a job is pre-approved for one of these cards.

The fact of the matter is, almost 75% of the people who apply for these credit, debit or charge cards have no clue how these cards work and then after a couple of years find themselves in a debt – trying desperately to keep up with the minimum payments. It’s time for a little personal finance 101.

One of my favorite personal finance weblog ‘The Simple Dollar’ take a beginner’s look at the pros and cons of three kinds of plastic: charge cards, debit cards, and credit cards – explaining the differences between each, including the advantages and disadvantage of each payment method. For example:

Charge cards are often confused with credit cards, but they actually function in a fairly different fashion. Like credit cards, charge cards extend credit to you from the issuer, but you’re required to pay the full balance at the end of the month. Some charge cards also have an annual membership fee. Charge cards are typically associated with American Express; many store chains often issue their own charge cards as well which can only be used at that store.

To be honest, I’ve always assumed charge cards were the same as credit cards, but then I may be behind the curve on this one, and so might be a lots of people. The point of this post is to make people understand each of these cards might work better than another for specific types of purchases, so knowing which to use in any given situation is important. Click the link above to read more about these charge cards and how you can protect yourself.

If you use more that one type of plastic, let’s hear how you divide up your spending among them in the comments.

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