Retirement is a Twentieth Century phenomenon. There have always been idle rich who never worked in the first place, but for working men and women, the concept of saving money or earning a pension, then living off that while exiting the work world, is less than one hundred years old.
Making the transition to retired life, expat or not, requires some soul-searching about your needs and wants. Retirement is, after all, removing oneself from the daily income-producing world. This simple fact is lost on some, who retire and continue to work full time. That is not retirement; it is changing jobs or careers. The same goes for ramping down to part-time work of 20 hours a week: much more manageable, but still not retired. As a retiree, you may have resources from investments, a pension or annuity, or an occasional stint as a consultant. But you do not have a job.
Retirement done right: Our next company meeting is . . . never!
In the absence of daily work, you have time to consider what you really need in terms of say, housing, cars, wardrobe, location, hobbies, etc. A good financial planner will set you up to live in the manner you have been accustomed to: but that doesn’t mean you have to keep living the same way, in the same place, with the same allocation of time and resources! Hence the soul-searching.
Let’s start with location: say you live in the suburbs, where your children went to good schools and you had a decent commute. Now, no children to school, and where are you commuting? Your neighborhood will transition over time, with new families moving in, and those kids may do something like ring your doorbell incessantly on Halloween or walk on your lawn! 🙂
Perhaps you have a family home filled with memories, but what are those empty bedrooms doing besides gathering dust? How often are you hosting overnight guests compared to your property taxes? The need to drive to everything gets old, even when you don’t face rush hour. Maybe you become the folks who garden their yard, host block parties and act as surrogate grandparents-in-absentia, retire in place, and that’s a great conscious decision.
Or you live in the city, where things are pretty expensive and most everybody is working. Cities spawn egotists who care about “what you do” and you don’t . . . “do” anymore, you “did.” What about moving to a small town? You’ll save a ton of money, but the culture shock may be overwhelming. Everybody already knows everybody else, and you’ll be the novelty for a while, but then not so much. Small towns may be full of dramatists: people seeking to make more drama to fill in the quiet gaps in life. Exhausting!
Moving presents an opportunity for the new home of your dreams: but yesterday’s dream, or tomorrow’s? Need those extra bedrooms; perhaps. His and hers offices . . . but you don’t work, do you? Entertainment space–of course–but a formal dining room, hmmmm. And you’ll have the time to care for a large property, but is being a maid/gardener/handyman really your idea of the perfect retirement?
You’ll still need a full seasonal wardrobe, depending on where you live (I don’t!). If you had an old school professional set of suits and dresses (either/or, I trust!), how many do you still need? I stashed a full suit (with dress shirt, two ties, dress shoes and socks) at my daughters’ homes and brought one with me. My biggest concern is staying the same size and keeping the dust off all of them.
Two cars, one . . .or none? Retiring stateside probably requires one per person, but maybe you’ll go green and use public transport, or rekindle that two-wheel itch and replace a car with a motorcycle. Again, another chance to re-evaluate wants and needs, and choose accordingly.
Of course there are some who retire and just stop working, without changing anything else, but let me suggest this is an opportunity missed. If you don’t plan to change anything–and you don’t hate your job–why retire in the first place? Better to delay the change while building up your retirement resources, and more importantly, doing that soul-searching!
After our recent excursion back to the States, I realized a deadline is upon us, and more importantly, few ‘Muricans are aware of its implications! I speak of the Real ID act, set to take full effect in October 2020. Most Americans would be forgiven for ignoring this law until now, as it was first passed in 2005 and was slated to take effect in 2013, but was continually delayed due to the cost and political opposition. But it is here, now, and will take effect next year, so you probably need to know about it.
Why “probably?’ If you never fly, visit a secured government building or military base, or are under the age of 18, then no, you don’t need a Real ID. Most people (God-willing) will be over 18 years old at some point. Many will never visit a military base or secured federal building (but you would be surprised). But most people will fly–at least domestically–at some point in your life. Yes, you will need a Real ID to fly even from San Francisco to Santa Rosa, California (16 minutes, the shortest domestic air route according to Travel & Leisure).
Why? Blame the legacy of the 9/11 terrorist attacks, which showed that America’s lack of a national ID and disparate rules on State IDs were a vulnerability. Since most Americans viscerally oppose a national ID, Congress enacted (and the President signed into law) rules to make all State IDs (meaning State driver’s licenses) equally secure.
Why now, when that was so 2001? Well many States vigorously opposed and refused to comply with this new federal intrusion into their affairs, but the feds eventually won. Nearly all States have agreed to comply now, but some have only just begun to issue Real ID-compliant licenses. Some have made it an option you must request (and potentially pay more)!
Do you already have one? Perhaps. They are readily identifiable by a solid black or gold star in the upper right-hand corner of the license. But this is tricky: Ohio is a State in compliance, and my Ohio license has a gold star on it, but it is NOT a Real-ID. Here’s a fail-safe way to check: when you got your license (whenever it was) did you just routinely fill out an online form or visit a DMV office? Or did they ask you to show certified documents proving your name, SSN, and current residence? If the former, no Real ID; if the latter, then you are good-to-go. The whole point of Real ID was to ensure the card-carrier had proven his/her identity.
Do you really need one? If you have other federal ID (US Passport, DHS TTP card, etc.) and want to carry that even for domestic flights, then no. Do you visit military bases or secure federal facilities? If not, probably no, but what if your local Social Security Office is in a federal office building? Buzzzz, no entry without a Real ID-compliant card (or substitute), so think hard about it!
Lessons learned: Real ID is not just for international travelers, or DC types who constantly flit between federal office buildings. It is not automatic, like otherwise renewing your driver’s license: you need documents, you may need to “opt into” it and pay more, and just because your State is NOW in compliance, your previously-issued license may NOT be.
It’s not a catastrophe, and there are easy work-arounds, especially if you have a US Passport. Here’s a website with more info and links to each State’s DMV for specific help. It’s coming, and I wouldn’t bet on any further delays.
As an expat, you’ll undoubtedly engage in the ritual pilgrimage to visit family back NOB. Even those who don’t retire out of the country face the challenge of juggling multiple family work and vacation schedules, holidays, birthdays, and special events to gather as a family. For expats there are the additional complications of extended air travel, customs and immigration, and the ever-so-difficult question of how to spend scarce quality time with family.
Grandpa’s 90th birthday with our daughters, sons-in-law & grandkids.
Even an expat with unlimited means is going to be forced by the rigors of travel to limit the number and length of visits back NOB. Then you arrive, jet-lagged and dehydrated from 30,000 ft, and the visit countdown clock starts ticking away! Do you take a nap and recover, or catch up on life with your daughter? The next morning, do you complete morning prayers or play video games with your grandson? Tick, tick,tick…
There is a powerful impulse to “do” things, accomplish something, since how often will a family gather? And there are family activities which all (or at least most) can join in, so why not? Yet there is also great value in just being present, listening and talking and remembering as only a family can do. Hearing Dad tell that same joke for the thousandth time, for example. Tick, tick, tick…
The Queen city
at the sign museum
and the aquarium
It is not a challenge unique to expats, but one of the human condition, exacerbated by modern technology. Parents working outside the home face it as they end a busy day and pick up children from day care. Those crowds of teens sitting-together-alone, glued to screens, are trying desperately to avoid it. Long ago, when a family member emigrated to America, the farewell took on the airs of a funeral, since the parting was most likely forever. Tick, tick,tick…
Not only do we all have a limited time on this Earth, we don’t know how limited it is. We can self-medicate with social media or a nice drink, chasing the demons out of sight for a while, but the big hand keeps sweeping. We can be fully present in the moment and enjoy the best parts of the best relationships, yet the aftertaste remains bittersweet, because . . . tick, tick, tick.
While it is a good thing to be mindful of that constantly ticking clock, it is counterproductive to dwell on it. Time is meant to be spent together with the ones we love. You can’t make up for lost moments, only savor those we have. Me, I’m savoring some family time!
We’re getting ready to go traveling, so I thought I would give some flying tips as a Public Service Announcement. Travel back to the States is a staple of expat life: even Canadians often have to through-transit the US on the way home, although I know some who go to great lengths to never experience US airports again. Let’s see if we can make those experiences a little less challenging, shall we?
I’ll assume the basics: you have a Passport. I know there are special circumstances where a passport is not needed, but they are truly exceptional, so we’ll ignore them here. At the first place you land in the States, you’ll need to pass through two screens: immigration and customs. The first is to establish your right to enter the country. The second is to determine whether what you are bringing in with you is permissible. These two things are unrelated, by the way.
As a US citizen with a valid passport, you have the right to return to the United States. So the normal process at immigration is to get in line with all the other “US persons” (citizens, resident aliens and the like), wait your turn, hand over your passport, answer (sometimes) a perfunctory question like “how long were you gone?”, get your passport stamped and move along.
There are several ways to go faster. Customs and Border Protection (CBP) is the US government agency responsible for border crossing. One program they have is called Automated Passport Control (all the titles are hyperlinks for additional information). It is essentially a kiosk in the secure arrivals part of the airport where you scan your passport, answer questions on a touchscreen, take a photo, get a printout and go to the CBP officer to have it all checked. People with the same home address in the States can process together. This program is free but only available in the 50 largest airports. You still get in line, but your data will be correct and easily reviewed.
Another CBP program is called Mobile Passport. Mobile Passport is a free app that automates the forms and questions you encounter entering the States. You download it and enter your personal data, and when your plane lands, you send the arrival data securely to CBP, who returns a receipt to you. You get to use different lanes at the arrival area in the airport, so the lines are shorter (big plus). There is a $15 annual upgrade called Mobile Passport Plus, which also stores your passport data and automates the data entry. Mobile Passport is available at 26 major airports and three cruise ports.
The gold standard of CBP programs is Global Entry. It is, in effect, an honors program for re-entering the US. Global Entry costs $100 for five years, but note this: the $100 is an application fee, so if you are denied, you are out the money. Global Entry requires a background check AND an interview,which can be scheduled at CBP offices or in airports. There is a questionnaire (used to start the background check, and of course you’ll face more questions in the interview. With Global Entry, you access a different sets of kiosks (available at 75 US airports and 16 international ones), which again automate the answering of those same CBP questions. You scan your passport and get a receipt, then go to a separate CBP officer who checks your receipt and moves you along. One additional benefit to Global Entry is a separate line for the post baggage-pickup customs check.
The what? Everything I mentioned above is part of immigration, and happens before you get your checked bags. Customs can do a final check after that, but there is no set rule: sometimes they have an inspection, oftentimes they don’t. If they are inspecting, long lines can form, and Global Entry lets you (literally) walk to the front of the line and go first. It is one of those benefits you may never need, but when you do, it is a real game-changer.
The main reason NOT to apply for Global Entry is if you are fairly certain you’ll be denied (remember, you lose the application fee). Reasons for denial include a history of felonies, drug convictions, or anything related to smuggling or illegal border crossing. Otherwise, you should be approved.
What about Pre✓® and Clear? Pre-Check is a TSA program. The Transportation Security Agency (TSA) is just responsible for the safety of the traveler at ports (air and sea). TSA Pre-Check cost $85 for five years, and it requires an online application, a background check, and a short interview. Pre-Check allows you to access less rigorous screening at 200 airports, but it has nothing to do with immigration or customs. Global Entry member ship gives you complimentary TSA Pre-Check membership. So the extra $15 dollars for Global Entry is a bargain over Pre-Check, if you travel more than once outside the US every five years. However, many credit cards and travel groups will reimburse your TSA Pre-check fee (not so for Global Entry).
Clear is a private. bio-metric program done in conjunction with airline security. It is available in over 20 airports (and some stadiums) and costs $179 annually. Once you give Clear your fingerprints and retinal scan, they store it. At the airport, the first TSA check you face is for your ID and boarding pass. With Clear, you go straight to the Clear station, which lets you skip the long lines that form for the boarding pass/ID check, although you still go through the TSA physical inspection. Given the cost, Clear is mainly for seasoned road warriors who also use either Pre-Check or Global Entry.
There are a host of other CBP Trusted Traveler Programs which cover driving or walking across the border. I won’t cover them here, but just say that if you routinely drive across the US border with Mexico or Canada, one or more of these programs will get you out of the long lines and into a secure, fast transit: check them out! Sometimes they cross-apply, as Global Entry does with TSA Pre✓®.
What about our Canadian, Mexican, and other foreign friends? Each of the programs above have different criteria for eligibility of non-US citizens. However, Global Entry benefits are available to Canadians who have NEXUS (another program) and Mexicans are eligible for Global Entry, along with Indian, UK, German, Dutch, Korean, Swiss, Panamanian, Singaporean, Colombian and Argentine nationals. Expats in Mexico should also know that Mexico has a Global Entry equivalent program called Viajero Confiable. I can’t tell if there is a cost associated with application, and the kiosks are only available at Cancun, Mexico City, and Los Cabos (Guadalajara has had a “coming soon” banner for two years, so mañana!).
Finally (yes there is an end here somewhere), whatever program you choose, remember that crossing the border at an airport may seem routine to you, but it is a deadly serious affair. All kinds of people try to use international air travel for all the wrong reasons (terror, drug-trafficking, human trafficking, illegal immigration). So treat the exercise with an adult, business-like demeanor. Security lines are not an appropriate place for humor. Long before 9/11, I tried to make a joke about a security sign saying it was illegal to bring marijuana into the US, and I barely avoided a body-cavity search!
Smile but don’t initiate small talk. Answer questions with yes or no or the minimum number of facts: no “in the beginning” type stories. This may seem obvious, but never lie or dissemble. You may have a right to enter the US, but under current law, the CBP officers have the authority to detain you for questioning (sorry about that connecting flight) and to search everything you bring, including your media devices, even your beloved iphone (yes, they can ask you for your password; if you refuse they can retain your device for “processing” for several days)!
The most common problems for travelers are bringing in prohibited goods, or goods beyond the customs limits (hence taxable). Duty-free shops at the airport just mean nontaxable at the source: Absinthe may be legal in the US, but only certain types may be brought in legally. That fruit they give you on the airplane is considered from a foreign source; don’t forget to consume it before leaving the plane. And you can bring in Cuban cigars for personal use (defined as 50 or less). Forget about ivory souvenirs, animal skins, and almost any form of meat. There is an up-to-date CBP website to help you determine what you can bring in legally.
Which is not to say you don’t know someone (not not you, a friend, of course) who has brought in a turtle, or cannabis brownies, or whatever prohibited item. Most of the customs work is aimed at detecting smugglers, not the otherwise law-abiding travelers who happen to bring in something. Such people rarely get caught. But they do incur a risk: the closest thing to a permanent record anyone has is the file kept by the various Department of Homeland Security agencies (TSA, ICE, CBP, USCG, USSS, CIS and CISA). Get on the list and it may take years to get back off (if you know anyone whose name appeared on the No-fly list, ask them how long the nightmare lasted, even if they were quite obviously not a threat). Much of airport and customs security is random (which is why the old lady in the wheelchair gets searched…her number came up). You never know who’s next. So even though you won’t get caught, just don’t (do it).
Lastly, a processional from Jimi. Why Jimi? “goin’ way down south…way down to Mexico!”
Of course, the WaPo writer couldn’t help put a political comment in the article, quoting the mayor (that would be Presidente) of San Miguel de Allende saying, “Despite the fact that Donald Trump insults my country every day, here we receive the entire international community, beginning with Americans, with open arms and hearts.” Looks like no topic can be discussed without covering the Trump angle. And just as inevitably, the comments section (I know, I know, NEVER read the comments section!) was full of MAGA fanatics with useful comments like “if Mexico is so great, why are 100 million Mexicans trying to come here?” Sigh.
The bulk of the article had useful data on the trend. It seems to be driven by three sources. First, there are those 10,000 baby boomers retiring every day, and they have to go somewhere, and they don’t have much in retirement savings, and Mexico is cheap. Next are the numerous (600,000+) children of Mexican immigrants who were born in the States and have dual citizenship; some are returning to Mexico. Last, there are younger people who have internet-enabled work, and they (sometimes with family in tow) can live anywhere, and they choose Mexico.
How many total, and of each group? Nobody knows. Mexico has only a rudimentary capability to track arrivals and departures. Like the US, they do a good job at airports, not so much anywhere else. Mexico is implementing a more thorough system which would also work at the land/sea borders, but perhaps mañana. Mexico estimates 800,00; the US embassy in Mexico City says 1.5 million. The embassy estimate is probably based on STEP enrollments (NOTE: if you are an American expat living in Mexico, go online at the link and enroll in STEP; it helps the State Department keep track of you in case of emergency/natural disaster), so even that figure is probably an undercount.
Where are they? They are all over, but the largest concentrations are in Puerto Vallarta (35,000) Lake Chapala (20,000) and San Miguel (10,000). These totals are primarily the retirees and young internet workers; the dual national are spread all over, often based on from where in Mexico their families originally came. PV is a beach city of almost 400,000, and San Miguel has 100,000, so the expat totals there are noticeable but not dramatic. The 20,000 expats around Lake Chapala, a number which swells due to snowbirds, represent almost a third of the Mexican population in the municipality.
The WaPo article focuses on San Miguel de Allende, which has been the “hot” expat destination recently. The article does a good–if brief–job of describing expat activities and challenges. It also points out that the Mexican federal government is starting to take note of the advantages, and implications, of the growing American presence south of the border.
Despite all the negative press and unfortunate political commentary in Washington, Mexico remains both the top tourist destination for Americans (almost 37 million in 2018, and increasing) and the top expat destination. Just think what the numbers would be if the American media didn’t give non-stop coverage to violence and corruption!
It is true that Benjamin Franklin wrote about the two certainties in life (death and taxes), but he probably borrowed the phrase from Christopher Bullock, who wrote n 1716 “Tis impossible to be sure of any thing but Death and Taxes.” While the former is true for all, the latter is particularly true for an American expat.
The US of A is one of a handful of countries which tax your income regardless where you live; others are North Korea, Libya, Eritrea…how many expats do they have? Nearly all Americans face an annual deadline of April 15th, while expats can receive an automatic two month extension. But the taxes (and the interest, and the penalties) all must still be paid.
If you’re earning income from a foreign source as an expat, there is a sizable exclusion, and you can (depending on reciprocity with the country where you live) get credit for foreign taxes paid on your US tax return. If you have a foreign bank or investment account, there is the requirement to notify the Treasury of that account if it (or any combination of assets) exceeds $10,000 USD at any time. That is colloquially called FBAR, an acronym referring to the law which sought to eliminate offshore banking as a means of hiding income. Oh, and if you receive interest on such instruments, there is (of course) another law (FATCA) which the IRS uses to ensure foreign banks report back to them on you!
All this before even considering state taxes. Many expats don’t realize it, but even if you leave to be an expat and never plan to–or just never do–return, you have a US domicile for tax purposes. This is the place you would intend to return IF you ever did: it can be where you left from, where you established residence before you left, where you vote, etc. Your domicile determines whether you owe any state taxes (remember, your federal taxes are a given).
It is true that if you have no property in the US, no connections to same (voting registration, driver’s license), no taxable income, no intent to return, and no real goods that require a will for probate, you may not need to worry about your tax domicile. Yet I know some expats who do have these things, yet think they will somehow escape. Remember, death & taxes!
State governments watch for citizens who receive income in their state but don’t file a return, or who once filed a return and then years later their heirs try to probate a will. Some states will try to claim back taxes and penalties, so be wary.
It is true that some expats fall under the radar and simply go along, not paying taxes, not filing forms, and never get caught. But like so many things, expat taxes are a complicated subject, and one you ignore at your peril. By the way, tax deadline is tomorrow!
“Plus ça change, plus c’est la même chose” –French proverb (“The more things change, the more they stay the same”)
As I looked at the February calendar, I kept having that nagging feeling I forgot something. Birthday? No. Wedding anniversary? No. Valentine’s day? Covered. Then I realized we passed our second anniversary as expats on February 1st. Last year I did a fairly long post about the aspects of expat life in Mexico which might dissuade someone from trying it. This year I’ll look at things in general that might encourage you to try the expat life.
Tops on my list of reasons to be an expat: excitement. As an expat, you have no reason to be bored…ever. There is an entire new culture with which to become familiar, a new language to learn, new cuisines to eat, different lifestyles to consider, new friends to make, and exotic places to visit (as a local). Depending on where you choose to live, this excitement level can vary from mild (in a community with many expats and a familiar culture) to extreme (truly on your own in a place not known for accommodating foreigners).
Closely related is reason number two: freedom. Folks from NOB consider themselves quite free, thank you very much, but expat life moves one from being free to living free. As an expat, you literally choose outside the lines (we call them borders) and consciously decide to live…wherever. It’s not where you or your parents were born, or where your job is. As with all true freedom, great responsibility abides. Once you become an expat, you can hardly blame anyone else if your new home disappoints: either you weren’t prepared, or you chose poorly, or, well, it’s all on you.
Like great responsibility, “the Dude abides”
Reason number three is education. Everyone who travels internationally quickly learns at least something about different cultures, but expat life is an advanced degree in comparative cultures. I traveled all over the world for work, and I lived overseas (in Germany) for three years. Yet I never understood how overwhelming the consumer culture of the States was until I lived for (now) two years in a developing nation. Sure, I had heard about “keeping up with the Joneses”, but that was for superficial people. When you are bombarded with advertising, chided to work harder and longer to earn more for your comfort, your safety, your family’s well-being, you become inured to another point of view. Now when I visit the States, I marvel at how well consumerism has manipulated people to believe in it at all costs.
Speaking of costs, expat life might be a way to stretch your resources. If you check out YouTube, Instagram, Patreon, et cetera, you’ll see an a modern take on a old phenomenon: the young vagabond. Those of a certain age recall the “Europe on $5 a day” books which enticed young travelers to see the world on a shoestring budget. Nowadays, some young people cut all ties to a “normal life” and travel around just sharing their experiences, supported by those on social media who “click on” their sites. Likewise for expat retirees, there are places where most of the main costs of living (food, housing, transport) are much cheaper, and living well on something like a Social Security check is possible.
Finally, I would add that expat life is a challenge. We all need challenges: it’s why Edmund Hillary climbed Everest, why Willie Sutton robbed banks, why Tom Brady keeps playing football. Of course there are many ways to find a new challenge without leaving your home country, but living somewhere else presents a unique one.
Expat life is not for everyone, and not for all times. As I have noted before, it has its ups and downs. On balance, it’s an option more could consider, if they better understood all their options.
Here’s an update on something I think most Americans, Canadians, and Mexicans may not realize: your passenger rights when flying into, among, or out of the Europe, specifically the countries of the European Union. It (literally) pays to know about this!
Remember, Brexit may change this!
During our extended European trip, we encountered two flight delay/cancellation situations. Both resulted in my applying for compensation from the airlines involved, in addition to being re-booked and given some immediate support for meals.
First, we were flying SAS from Stockholm to Vilnius, Lithuania. This is an offbeat route; on most days, only SAS flies it, and they have two flights a day: one in the morning, one in the afternoon. Seasoned travelers will immediately know where this is going. Since we arrived in Stockholm on a red-eye flight from LAX, we stayed overnight in the airport to board the morning SAS flight. We arrived at the gate and waited. No plane showed up. No crew showed up. More passengers began to fill the gate area. Boarding time came and went. Finally a gate check agent arrived and announced the plane was cancelled due to “crew illness” and we were all being re-booked on the afternoon flight. They gave everyone script which was good for a lunch in the airport, and printed out new boarding passes.
An amazing coincidence: there was just enough room for everyone to fit on the second SAS flight! Back when I was a frequent business traveler in the States, I knew some airlines would avoid flying two half-filled planes by cancelling one flight and re-booking everyone on the second flight. There was little penalty for doing so, and great cost-savings. I am not suggesting this is what happened here, but the important thing is, whatever did happen, it happened in the EU, not in the States. The EU passenger rights provisions applied.
When we got home, I pulled up the SAS website and filled out a simple form, which just required the basic facts of the incident. Within a day, I received a response from SAS customer service indicating yes, the delay was longer than allowed, there were no extenuating circumstances, and based on the flight distance I was entitled to 250 Euros per person in compensation. Note, they already gave us coupons for a meal at the airport, and they re-booked us at no cost. This compensation was over-and-above all that.
The second incident was during our return. We flew Norwegian Air from Madrid to London/Gatwick, connecting there for a flight back to LAX. The flight from Gatwick was scrubbed at the last minute (we were on the runway cleared for take-off when the captain pulled us back off) due to equipment malfunction. The plane was a full 787 Dreamliner, and apparently Norwegian had another flight cancellation at the same time, so this was a customer service nightmare which I already recounted here.
Again, I went to the Norwegian Air website and completed a form. I had re-booked myself and Judy, since waiting for the customer service line was a non-starter. Because I had numerous receipts with this claim (over 500 UK pounds in hotels, meals, and transportation, and my repurchased airline tickets), I had to attach a picture of my original receipts. I also requested 600 Euros each as compensation (the amount allotted for cancelled flights of over 3500 kilometers), and noted in the comments section that equipment failure is not an unforeseeable circumstance, per several European court rulings (thanks, Google!).
I have already received the compensation from SAS. Norwegian has acknowledged my claim, but I am still waiting on their response; I will update this post when I receive it.
So remember, when flying to/from/among the EU, you may have EU passenger rights going for you. Which is nice!
As someone who just completed my first (and probably only) Camino, I want to take advantage of the perspective fresh in my mind to offer some thoughts to those considering taking on their first Camino Frances. I will approach this topic as objectively as possible, and try to note where my experience might have been unique, or what the general lesson is one should draw from my specific experience.
Nice trail; where’s the giant rolling ball?
First and most importantly, do research and training. On the latter, get all your gear, try it out and wear it in. If there is one area in which I would not economize, it is gear. Hike in varying weather, and do a lot of hills, not just up and down a mountain (like we did). Hike several (at least three) days in a row. Yes, there are people who just go and do the Camino. I was 19 once (and stupid), and just went and “did” a marathon. I even finished. It wasn’t fun. Training will make your actual Camino more enjoyable. My take away is there were far more hills than I expected, and far worse trail conditions, neither of which were adequately depicted in maps, guidebooks, or online. The worst trail conditions
Anybody need a rock?
occur on the steepest up and downhill portions, arguing for stronger ankle and sole support than you might otherwise use, and the use of hiking poles. Also consider buying shoes larger than usual to account for swelling of your feet. Make sure you practice whatever shoe/sock/treatment you select to prevent blisters and it works for you over long distances.
As to research, here you have to be careful. The obvious approach is to buy a guidebook and find a Facebook site and join a community like www.caminosantiago.me for info. One thing to remember is that online sites are full of other first-timers like you and Caministas, people who love the Camino. Think about it: those who quit the Camino, or hated the experience, are not hanging around to re-live it online. People who love something tend to overlook its flaws, so you have to take that into account. You can find lots of encouragement online, but also people who will tell you the trails are pretty good, the hills are all manageable, and that there’s always a cafe open in the next little town. They love the camino (which is a beautiful thing); they remember it that way, but they are romanticizing the Camino.
As to a guidebook, the online sites like Gronze or the Camino Pilgrim app are far more current and useful. I had two copies (different editions) of the infamous John Brierly “practical and mystical” guide to the Camino Frances, and they were practically and mystically useless. Mr. Brierly may be the world’s leading Caminista, but his “maps” are full of inaccuracies, which is an unpardonable sin for a guidebook. I only read a few of his “mystic” commentaries, which I found to be of Hallmark greeting card depth. If this works for you, great! His historical coverage was very good to excellent. If you are really dying for more Camino info, borrow an old Brierly edition from a friend or get one out of the library, but do not waste money buying this book, or ounces carrying it.
Consider “why” you are going on a Camino, and be as specific as you can. This may seem silly, but as you walk, you’ll face choices that will require you to revisit the “why?” So you need to have the answer in your pocket. Is it to walk every step from St. Jean to Santiago? To cross the Pyrenees? To be like a medieval pilgrim (more on that soon)? To get in shape? To get away from it all? To find yourself? A combination of these? Figure it out as best you can before you set off on the journey. It will make the decisions easier.
This one may be controversial: start in Pamplona. Why? Because it is easy to get to, it skips some awful trail time and very unpredictable weather, and it is a neat city to spend a day or two getting over jetlag. St. Jean is achingly cute, but hard to get to: right now there is no train (the line is out) and the bus is often oversubscribed. It leaves you to start with the difficult Pyrenees crossing, which can be very inclement: we had 2-3° Celsius, heavy fog, and howling wind on May 3rd! The bomberos rescued two pilgrims there with hypothermia the end of May. If you start at St. Jean, you’ll need to pack for cold weather you may not face for a while and the long downhill into Roncesvalles is prime territory for falls, blisters, and other trouble. It is not worth it, unless your goal requires crossing the Pyrenees (see earlier comment about “why?”)
Very cute
Some related thoughts: yes, the Camino Frances “starts” at St. Jean Pied de Port, but what does that even mean? When you drive somewhere, do you insist on driving to the “start” of the road? It is worth considering what a medieval pilgrimage was like, versus some idealized version we may have today. Pilgrims started from home. They walked because that was the only way to get there: you had to be rich to have a horse, and to keep it fed on such a journey. So don’t make a walking fetish out of their necessity! Do you think a medieval pilgrim turned down a cart ride to the next town? They walked the route of least resistance, begging or offering to work for room and board. The point was not to suffer, because life itself was already full of suffering. The point was to place yourself entirely in God’s hands, either as penance, or in thanksgiving, or in praise, and let whatever happens, happen. Guess what? Many pilgrims died on the way (to the oft quoted “the Camino provides” I always wanted to say “what? an early death?”). So you should probably disabuse yourself of the notion you will be recreating a medieval pilgrimage. It frees you to have your own Camino.
About that phrase “the Camino provides.” Now I know this phrase is shorthand for the spirit of goodwill one encounters on the way, but I think it is a little misleading. The Camino is a route. It is inanimate. It provides nothing. Sometimes, perhaps many times, other people provide help when it is most needed: other pilgrims, hospitaleros, locals. But do not think the Camino will provide. Consider this thought: if you choose not to carry Compeed for your blisters, and you get some blisters, you can sit and wait for help. But if the pilgrims following you all expect the Camino to provide, they will not have Compeed either! So help yourself by preparing with a few key items, which even if you don’t use, you can share. Among these are Compeed, pain reliever, anti-diarrheal, extra water, salt, sugar, cold meds, and antihistamines, and appropriate snacks. Most of these are things you can get at the next farmácia, but if you need an AD now, the next farmácia is always too far!
Try different lodging arrangements for the first two weeks, then select what you like best and schedule out three to four days in advance. Municipal and parochial albergues and donativos are great ways to meet people and save money, but if you want to stay in them, invest in some high quality earplugs or noise cancelling headphones. You will hear snoring the likes of which you never thought possible.
Splurge!
Private albergues, pensions, and hostals cost more and provide some privacy. You may decide to continue mixing it up after the first few weeks; just remember to keep scheduling out your reservations; once you hit Sarria it is essential, due to crowding.
Find an eating rhythm that works for you and Spain. In the smaller towns you can find places which cater more to pilgrim hours; in the big cities not so much in my experience. Many pilgrims get up early (0600) and have a small breakfast, get walking, stop mid-morning for a second breakfast, do lunch around 1330 and then dinner at 1930. Some pilgrim restaurants will serve a pilgrim menu (prix fixe) at lunch, some at dinner. Remember there is a siesta time in the later afternoon when even bars may close, and other hours where only tapas are served. Watch out for when breakfast (desayuno) is served, and especially for Sunday morning, when very little is open.
Consider taking shortcuts of all types. What!? No real pilgrim takes a shortcut: oh, but they did, and still do! Bring too much gear? You can ship it forward from any post office (Correos) in Spain. Have too much stuff to carry up that hill tomorrow? You can ship your backpack forward to the next stop. Notice a route where you are 500 meters from the next town, but the Camino zigs two kilometers to pass a church or Roman bridge? Go straight to the town, if you like.
Worth the extra time
Another even-more controversial idea: use the bigger cities as a way to make up time while extending your city-visit time. Big cities have buses, trains, and taxi routes. As you approach a big city (Burgos or León, for example), catch mass transit going in to avoid hiking the suburbs, and the same on the way out. Take the time you save (which could be as much as a day or two) and stay in the city. It is a shame to walk through a magnificent city like León and hurry through it. Don’t like the repetition of the entire Meseta, or the nasty downhill into Ponferrada? Skip some or all. Again this might seem like heresy, but do what fits in with your schedule and personal goals, not what everybody else does or a Camino purist suggests. You will hear people say “it’s your Camino” but that phrase sometimes comes with an implied “tut-tut” when what you have decided to do does not meet with the other person’s ideal Camino. Here is the plain fact: everyone walks their own Camino, and no one walks the same Camino twice. It is just “the way” to where you are going. Be confident in your choices.
Know what weather most affects you, and prepare to mitigate it. I can easily handle hot weather and rain; I find cold rain and wind unbearable. You can’t prepare equally for all the weather possibilities, especially in the Pyrenees and Galicia. For the outlier weather, you might consider rummaging in the “give-and-take” box at your albergue. Take something, wear it as needed, get it washed, and either drop it off or return it.
Ugliness wins!
Fight the urge to leave behind something about you on the Camino. Graffiti is ugly, tasteless, and illegal regardless of what it says. Some like to place rocks on everything. Making a stone-pile arrow to point the way? Very cool! Piling rocks on every route marker? No. Sometimes those markers are the only place to sit down for miles! You will see some nice permanent memorials to recent pilgrims who died on the way; others add pictures and papers and toys from their loved ones to these memorials, which is
Let it be
touching, but eventually results in a wet pile of rubbish. Some pile up rocks as little altars; perhaps they anticipate small druids coming behind them? Here’s a suggestion: if you have this urge, find some larger flat rocks and make a seat. I guarantee you pilgrims coming along behind you will bless you everyday. Better still, use your sharp ended poles to pick up trash; carry a spare bolsa with you and dump it when you take breaks.
On a related but delicate topic, you will probably do as bears do and poop in the woods at some point. Some pointers: do not stop, drop, and roll. First, identify a relatively private spot. Second, use the heal of your shoe to kick (back and down) a small dent in the ground: it might take several kicks. Aim and fire. If your aim was bad, use your TP to get your product in the hole. Place the TP there too, then kick dirt back over the hole and move on. I guess this word hasn’t gotten around, based on the elephant burial grounds I stumbled into off the Camino!
The fewer clothes you bring, the more you will rely on laundry. This means to keep your pack light, you become more vulnerable to whether (your next stop has laundry services) or weather. Sure, under some circumstances you can just wear the same clothes again, but do you really want to? We had cold, wet weather nearly the entire month of May. We could always hand wash our clothes, but that meant wearing clean wet clothes in the morning. Sometimes the dryers worked, sometimes not. In the bigger towns, we usually found a laundromat, which was always clean, well-equipped, and cheap. I strongly encourage pilgrims to consider this option, as it only cost about an hour of time and six Euros for warm, clean, dry laundry.
Finally, a comment about pain, suffering, and discouragement. You’ll encounter all of them on the camino. Some suggest this is the heart of the Camino, this is how you discover something about yourself: they did. If that is the case for you, I can assure you, the Camino will indeed provide. You don’t need to seek pain out, or add to it. One of the main lessons I re-learned is we all have our limits, and they are all different. When well-meaning enthusiasts are telling you to just keep going, keep carrying, it’s not that bad, remember all those pilgrims who didn’t make it, back then or now. Yes, push yourself, but recognize your limits, and finish your Camino, according to your goals, under your rules. Buen camino!
Here’s a collection of thoughts I had walking in the rain across Spain. I was too tired most nights to flesh them out and post them, but they lingered in my mind, so here they are now. If they are half-baked, put them back in the microwave for a few minutes and see if they make more sense.
Extroverts probably enjoy the Camino more then introverts. Introverts can certainly find quiet time and walk alone, but for extroverts, the Camino Frances is like an extended, adult summer camp. Every 100 meters or so, there is a brand new friend you can share your life story with, and who will share theirs with you! Look, we already have something in common: we are on the Camino! Extroverts can overshare with little worry, pledge to be BFFs, then move along to the next fellow pilgrim. That has to be very attractive to extroverts!
Oooh, friends!
The single biggest variable in whether you will enjoy your Camino is this: do you really like the great outdoors? Yes, I know, Captain Obvious talking here, but in all the reading and research I did before the Camino, I never saw it put that way. You’re spending 8-12 hours outside every day. If you are an outdoors person, you will find a way to love the heat, the cool, the rain , the fog, the mud, the dry, the pollen, the manure, and (ahem) eliminating in public. If you’re not such a person, these things will wear on you. Simple as that.
I love puddles!
John Brierly of guidebook fame had a social media post the other day where he was defending his inclusion of “mystic” guidance in his books because he feared that pilgrims were losing the notion of pilgrimage as something more than a hike. I am sympathetic to his view, but he misses the religious forest for the mystic trees. Would-be pilgrims come primarily from a variety of advanced, industrialized societies that are increasingly secular. You can’t take someone steeped in non-religious or anti-religious culture and give them a few mystic thoughts for their walk in the woods and get a “pilgrim.”
99.9% of the Bicigrinos (bike pilgrims) are wonderful people who ring bells, shout “buen Camino” and share the trail well. Those that weave through the walkers at 30 kph on treacherous downhill sections without warning? Saint James would like a word with you.
Northern Spanish cuisine, in which I include Basque and Galician, is very simple but delicious: high quality ingredients without many additional spices or sauces. It restored my faith in peppers as something not to be feared, just enjoyed.
Speaking a little Spanish goes a long way on the Camino. Just mastering a combination of por favor, buenas-, gracias, ay-perdon, lo siento, and donde will help immeasurably.
Some pilgrims (apparently) carry things like Sharpie’s in order to write something profound and permanent in public. Don’t. You are not profound, even after a pitcher of sangria. Nor are you witty, or original, or encouraging, or motivating, or appreciated, when you scrawl or scratch something on a fence, tree, rock, or whatever. Just walk, por favor.
No.
How many more pilgrims can the Camino Frances sustain before it becomes a Disneyfied charicature of a pilgrimage? The numbers keep increasing, and the way from Sarria at times resembles the walk toward a football match from a distant parking lot. It is ok for now, but continues to grow at a steady rate.
The Camino will redefine the meaning of the word “hill” for you. Mountains will still be the same, but from now on, when someone says “there’s a hill” you will go all Crocodile Dundee with a “that’s not a hill, this is a hill” story from the Camino.
I got very angry several times out on the Camino: not just mad, but downright seething. It was always due to bad information provided to me, that led in turn to either bad advice or bad decisions, which could have been dangerous for my wife and me. I prayed about why this was happening. Certainly God didn’t want me to accept this with equanimity (“hey, we could have been seriously injured, but no harm, no foul!”). No, this was righteous anger, and it was our very own pilgrim St. James, one of the sons of thunder, who asked Jesus to call lightning down on evil-doers. In a moment of clarity, the Holy Spirit inspired this thought in me: my righteous anger was a tiny taste of that which God experiences every day, as we promise to do better and then fail Him time and again. His justice would demand severe punishment, but his Divine Mercy is fathomless and unrelenting, if we only ask for it. So He forgives us. My anger was just a prelude to learning how to be more merciful, just as God is merciful.
Angry like this guy
One of the big mysteries of the Camino is “will the Botafumeiro swing when I reach Santiago?” Here is a good clue. Around 1030, go to the museum and get a Pilgrim’s ticket and walk around. When you get to the 2nd level, the cloisters, walk around the courtyard to where the entrance to the Sacristy is (it is marked, but with a Prohibida sign). If there’s a brazier out in the corner of the courtyard and it has charcoal heating up, the Botafumeiro will swing at the end of Mass. You can use the side entrance from the museum to go directly into the cathedral and see the Botafumeiro, then return to the museum.
Look, a clue!
I will have one final Camino post, a wrap-up for those considering doing the Camino.
