in centro pits sleepy residents vs. noisy bars
CHRONICLES ARTIST GEORGIA CHARUHAS RECOUNTS LIFE LESSONS LEARNED
TIPS FROM ONE OF YUCATAN’S Top legal experts
2 YEAR 1
…To the second issue of Mid-Point Yucatán, the English supplement to Periódico Punto Medio. Mid-Point Yucatán is a niche publication directed to the rapidly expanding English-speaking community of the states of Yucatán and Campeche in Mexico’s Yucatán Peninsula. A twice-monthly news magazine, Mid-Point satisfies the intense desire of U.S., Canadian and European expatriates and visitors for information about Yucatán in English. Now in its ninth year of publication in the Yucatecan capital of Mérida, Periódico Punto Medio – Mid-Point’s Spanish affiliate -- has established an outstanding reputation for thorough and impartial journalism in Yucatán and Campeche. Mid-Point is following these distinguished footsteps for readers who prefer information in English.
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NEWS FROM HOME
·HEMISPHERIC THEMES· top agendas in Washington, Mexico City and Montreal
hemes with profound importance for relations between the U.S. and Mexico – and other parts of Latin America – continued to resound early this month in the halls of power in Washington and Mexico City. U.S. Secretary of State Rex Tillerson visited Mexico City for talks with Mexican Foreign Minister Luis Videgaray and other meetings that also included Canadian Foreign Secretary Chrystia Freeland. These talks among the top international power brokers of North America touched on important themes ranging from Russian and Chinese meddling in Mexican and Latin American elections to international narcotics trafficking and the worsening crisis in Venezuela. One surprising outcome of these meetings was a
statement attributed to Videgaray that U.S.-Mexican relations are closer under President Donald Trump than during previous administrations, including ex-President Barack Obama. While many observers might challenge that observation, Trump at least has put Mexico on page one of his agenda. For many throughout the hemisphere, the Obama administration’s benign neglect of Latin America was disheartening. Washington’s renewed focus on Mexico, while seemingly misdirected so far, could end up having some positive impact over time. Meanwhile in Washington, Trump continued his battle with Congressional Democrats over funding for his proposed Mexican border wall and the status of some 600,000 “Dreamers,”
young Mexican and Central American immigrants who arrived in the U.S. as infants and children. A second federal government shutdown in less than a month was precipated by wrangling over this logjam. And perhaps even more important for the hemisphere than all this rhetoric, the sixth and next-to-last round of negotiations for a new North American Free Trade Agreement concluded in Montreal without significant progress. If negotiators cannot reach a new agreement in the final round of talks in Mexico, the economies of the U.S., Mexico and Canada could be in for major shock waves. Time is running out. Stay tuned. By Robert Adams
NEWS FROM HOME
AMERICA First policy at Davos but rejects isolationism
he president of the United States on Friday Jan. 26 said he would maintain his policy of putting America first in international trade but acknowledged that it was not intended to be a strategy for isolationism. Donald Trump, in his speech to global leaders gathered at the World Economic Forum in the Swiss alpine resort of Davos, added that free trade between the US and the rest of the world should be fair and reciprocal instead of one-sided. “As president of the United States I will always put America first just like the leaders of other countries should put their country first also,” Trump said. “But America first does not mean America alone.” He targeted what he described as unfair economic practices, including intellectual property theft, industrial subsidies and state-led economic planning, saying they distorted global markets and harmed businesses and workers not just in the US but around the globe. Trump’s policies had included criticism of globalization and international migration so his speech to an audience that contained many lea-
ders who advocate free trade and open borders was a rare expression qualifying his protectionist and nationalist stances. However, he highlighted the importance of boosting military spending, something he has demanded from US allies, and emphasized the importance of controlling immigration. “To make the world safer from rogue regimes, terrorism and revisionist powers, we’re asking our friend and allies to invest in their own defenses and to meet their financial obligations,” he said. Trump added that securing the US’ immigration system, which he said was antiquated, was a matter of both national and economic security and called for a merit-based filter instead of the current framework that enables family reunification. “America is a cutting-edge economy but our immigration system is stuck in the past,” he said. Trump has repeatedly promised to build a wall along the US-Mexican border and claimed that Mexico would pay for its construction. In the field of international relations, Trump mentioned
the tensions on the Korean Peninsula and the threat of radical Islamism. “We continue to call on partners to confront Iran’s support for terrorists and block Iran’s path to a nuclear weapon,” he said. He also said he was proud of his administration’s efforts at the Security Council of the United Nations to press for a common front against North Korea’s nuclear ambitions. He described the initiative as, “our campaign of maximum pressure to de-nuke the Korean peninsula.”cae/dl/ hh By EFE News Agency.
Text by Robert Adams
· ARTIST GEORGIA CHARUHAS· 45 years of learning life lessons in Merida
orty-five years of living in Merida have taught renowned artist Georgia Charuhas many things about Mexico and Mexicans, about art, about business, and about herself. The Chicago native, who has shown her paintings, prints and sculptures in many important galleries and museums in the U.S., Mexico and Europe, has also founded and owned several businesses in Merida, including a clothing factory that manufactured items based on her designs. She has bought and renovated eight historic houses in Merida’s Centro, including one in the Santiago neighborhood that she listed for sale last week that sold the next day. In addition to her own home in Santiago whe-
re she has lived for 23 years, she still owns two other homes that she rents to tourists and also makes available to her visiting guests. Previously, for 15 years, she lived in a spacious property on Calle 55 that originally served as a 17th century Roman Catholic convent, and now houses the boutique hotel Luz en Yucatan. “I could write encyclopedias” about Mexico property ownership, Charuhas said in an exclusive interview in her home, where she currently is recuperating from sciatica. Her most crucial advice for would-be Mexican real estate investors? “Have a good sense of humor and stay healthy.” Elaborating, she notes that Merida’s sub-tropical
climate can be harsh on older homes. “In the tropics, things go bad quickly,” she said in a characteristic deadpan tone. “If you close the door to go away for a month, you can return to find tree roots inside the house.” Charuhas attributes her success in life and as a property owner to her art training at the Art Institute of Chicago. “You can apply art to many things – clothes, interiors…” she reflected. “The key is the aesthetic quality.” She continued: “I love making homes for someone else. I renovate the property as if I were going to live there myself. I’ve bought and sold a lot of houses, but I never bought them to ‘flip’ them… I’m not a commercial person.”
rried a very wealthy man, but I wasn’t interested in money. I left without anything. So I had to build a business for myself. And I found out I like being my own boss.” The living room of her Calle 51 home is filled with her paintings, drawings, prints, collages and sculptures. While her two studios in the rear are not open, Charuhas is considering opening a gallery at the residence that would be available by appointment only. A major exhibition focusing on Charuhas’ collages opened Jan. 26 at the MACAY Museum on Merida’s Plaza Grande. The show is on display through May. Text / Photos by Gael Medina and Robert Adams
Her take on Merida’s current vogue among Americans, Canadians, Europeans and others buying property and relocating here: “You should live in Mexico because you love Mexico. Don’t live here because you want to make a buck.” The qualities of Merida and Yucatan that attracted and have kept Charuhas here for more than 40 years are its peacefulness, family-centered values and wholesome atmosphere.
“I am an American born in the States, but I like living someplace without so much violence and racial differences,” she commented. “Here I feel more of a human being.” Charuhas originally moved to Mexico’s Pacific coast in the late 1960s after marrying. She came to Merida in the mid-1970s after the marriage failed. “I ma-
· L E T
S L E E P ! ·
Residents of Merida’s Historical Center protest against rowdy bars blasting music late at night
n addition to vibration affecting the adjoining properties, the bars attract crowds that congest neighborhoods with patrons’ vehicles, while residents see their spaces occupied by the night owls.
Residents complained of bar patrons who also leave as traces of their passage through the neighborhood urine and vomit as well as garbage. According to some of the foreign women who live in the area, the worst factor is that af-
ter the bars “close” at 4 a.m., inside the music continues, and this has been constantly complained about without any response from city officials so far. Resident Paolo Salles highlighted the case of a neighbor who has a son with autism who must be tied in his hammock so that he will not fall and get hurt due to the noise that is generated in a bar that adjoins the patio. He said it opened its doors less than two years ago, causing the zone to lose completely the tranquility that it had. Another resident who took the microphone during this meeting attended by Merida’s director of Urban Development, Aref Karan Espósitos, said he has a four-year-old girl who cannot sleep, because the wall of her room adjoins the stage on which the bands play. He said they had to rent their home and leave the place.
“I did not have anything left to do, they ignored me, they did not respect my most basic rights,” said this person who asked that authorities take note and listen, and take measures to fix this problem that affects hundreds of neighbors who live in the Historical Center. At that point, the president of the Hotel Association of Yucatan, Héctor Navarrete Medina, intervened to try to
calm tempers and suggest the establishment of roundtables to be attended by affected parties. But Navarrete Medina was interrupted several times by the aggrieved residents who raised the problem they have because they can not rest properly at night. “We want to know what is going to be done with this problem today, because my right to sleep is being violated,
my dignity, it turns out that barely at four in the morning the music ends and at 6 they are already doing sound tests for the races promoted by Conade in the Paseo de Montejo, it is an unbearable situation,” said one of the residents present. Another foreign woman said that on 53rd street between 54 and 56 there is a place called La Pastoral del Amor which serves 17 people who have emotional problems and that due to the noise of the nearby bars, the nuns who care for them have to use sleeping pills and tranquilizers. “And still they wanted to open another bar in front,” said the woman who, together with her companions, demanded that no more permits be given. In his speech the director of Urban Development tried to explain how the procedu-
re works, when a woman reproached him. “It’s not a problem only of Cristiane, of Pim, Irina, Ana, Paolo, Javier and Mario, but of all the residents who are not here because they are afraid of reprisals or they do not feel comfortable talking in public, but that we will continue fighting for our right to a peaceful life until we get satisfaction,” said another of the women present who announced that they are preparing future actions to hold the authorities accountable. They emphasize, officials have not responded to their repeated demands. Finally, the authority agreed to respond in writing to the cases that are raised to the email email@example.com. By Punto Medio: Manuel Pool
· Y U C ATA N W I N D F A R M · expected to generate energy for 45,000 homes by June
onstruction of Eólica del Golfo 1, the first Yucatan clean-energy park that uses wind to generate electricity, is currently 50% complete and will begin testing in March to be ready before June 2018, informed the company Viva Energía. During a media tour, Viva Energía informed that six wind turbines of the 28 that this park will have are completely installed, with the capacity to generate 70 megawatts that could feed 45 thousand houses throughout the year. Nancy Gamboa Mancilla, manager of Social Sustainability of the Company, said the park consists of 1,300 hectares and contains 28 privately owned plots for which they made a usufructo contract, through which their owners are paid rent for use of the land and with the clause that they can continue access to their land to perform their daily activities. She also said that of the to-
tal land, the wind farm only uses 4% for the installation of wind turbines, and permitting the surface around the bases to be used for any agricultural or livestock activity. With the arrival of the latest wind turbines in December, now Viva Energía is in the process of assembly of the machines, which takes around 5 days each, including the towers and then the blades. “We estimate that the 28 wind turbines will be installed by the second week of March and starting then we will start to do tests with the substation and the rest of the electrical installation. By the second quarter of this year (the park) will be inaugurated,” she said. Regarding the wind speed, the turbines start operating with a speed of 3 meters per second, and they support up to 90 kilometers per hour. In case of high intensity winds such as a hurricane, the motor protects itself and the
propellers rotate so as not to be damaged. Gamboa Mancilla said that several companies are interested in buying the energy generated on-site. This represents 6% of the total consumption of Yucatan, so they expect the CFE to lower their rates since energy will be generated locally. “We will save the CFE 6% of the total consumption of Yucatan, since the energy that we will generate will remain in the state, so we hope that what the Commission saves, it will use for other expenses and can lower their rates,” she said. Each tower is composed of five sections of tubes, a hub (control center), the three blades and the engine. The towers measure 120 meters high and each of the blades 56 meters, giving a total height of 176 meters. By Punto Medio: Fernando Galaz
· B E A C H E S
N E W S ·
Dead dolphin found on Chelem beach
dolphin of approximately 150 kilos was found in late January in Chelem, authorities reported. The Progreso ecology department reported that the dead dolphin was found by locals with no visible injuries, but some contradictory information was starting to emerge. The discovery was made in the vicinity of 130 street near Progreso’s police station. The specimen was transferred by officials for a necropsy to be performed. This is the first incident of this
Mountains of garbage tarnish Progreso’s image
any streets of the port are invaded by dozens of garbage bags, which are abandoned by residents on street corners, in the face of irregular waste collection service by city hall or collectors. This situation generates a bad image and foul odors in the surroundings. Due to the inconsistency in the frequency of garbage collection, as well as residents’ insistence to take
type in the Yucatan coast this year, after a flurry of such events in 2017 when there were some 15 cases of marine mammals that reached the coast of the state. It should be noted that just a
few days earlier a leatherback turtle, a species rarely seen in this area of the country, was found on beaches in Chicxulub.
their waste to street corners for collection, streets of the port show a deplorable image with the presence of dozens of garbage bags. The waste produces bad odors, covers sewers and attracts hundreds of scavengers and pests. According to residents, non-residents who are oblivious to the streets that are served with collections, arrive at the corners, place their bags and leave without anyone telling them anything. When they are confronted that what they are doing is wrong, the ensuing argu-
ments have even boiled over into neighborhood disputes. Also, the problem is aggravated due to the inconsistency of the collectors, since the service is irregular. Given the large accumulations of garbage that are generated corner by corner, the collection trucks fill quickly. In this way the routes are delayed, causing delays of several days for the garbage to be removed. José L. Chavarría
By Acom News Service
By John Ohe
· TA X - E F F I C I E N T · Investing for U.S. Expats
he basic idea behind tax-efficient investing is to structure your investments such that taxes are minimized. Often times, we see opportunities when reviewing investment account statements provided by our tax clients (many of whom use financial advisors). There is an important saying: “It’s not what you earn, but what you keep.” With that in mind, let’s begin by summarizing some basic investment management principles. Investments generate returns – capital gains, dividends, and interest. Generally speaking, capital gains are more tax efficient than dividends and interests. That is because capital gains can be deferred until the investment is sold, and long-term gains are subject to a lower tax rate. However, there are certain
mutual funds and managed accounts (sold by financial advisors) with high churn or turnover – lots of buying and selling within the fund or portfolio. These generate distributed capital gains on which the investor needs to pay taxes. People are often surprised by the large capital gains that appear in their year-end statements from their mutual fund companies or brokerage firms. As a general rule, you should structure your investment portfolio into two buckets: 1. Put “less tax-efficient” investments into retirement accounts; and 2. Put “more tax-efficient” investments into taxable accounts The following list provides a good snapshot: Types of Investments to put into retirement accounts (tax deferral)
Inefficient High-yield corporate bonds High-turnover active funds Real estate or REIT funds Moderately Inefficient Active stock funds Bond funds Types of investments to put into taxable accounts Efficient Index funds Tax-managed funds Short-term bond funds Low-yield money market Tax-efficient investing does not factor individual circumstances. For example, if you needed access to funds for a planned expenditure, then putting those funds into a retirement account may not make sense. Furthermore, many retirees face an entirely different set of questions in order to minimize their tax bill. Individual Retirement Account (IRA)
An Individual Retirement Account is a popular and smart way that many Americans save for retirement. One can contribute up to $5,500 per year ($6,500 if age 50 or more). There are three things to keep in mind when contributing to an IRA. 1. IRAs have tax advantages; 2. To contribute, one must adhere to certain rules; and 3. For US expats that exclude foreign earned income, there is some complexity There are two basic types of IRAs: traditional and Roth. With a traditional IRA, one receives a tax deduction in the year of the contribution. As a result, it is possible to lower the amount of taxes owed to the US government by contributing to a traditional IRA. The second tax advantage is that the assets in the IRA are allowed to grow year-after- year without being taxed (referred to as tax deferral). However, taxes are owed at the back end when
one takes distributions, or cashes out of the IRA. With a Roth IRA, the tax advantage works in the opposite direction. There is no upfront tax deduction in the year of the contribution. However, the assets in the IRA grow year-afteryear without being taxed, and distributions are also tax-free. For US expats, general suggestions for IRAs include: --If utilizing the foreign earned income exclusion, find opportunities to create taxable income (don’t exempt all the income), so that you are able to contribute to an IRA; --If one’s income level is above the maximum foreign earned income exclusion amount, definitely consider contributing to a traditional IRA; and --If one has zero or very little taxable income, consider rolling over funds from a traditional IRA to a Roth IRA. Depending on the amount, you may be able to make the
conversion without a tax liability – a great long-term tax strategy. Individual circumstances should absolutely determine the exact approach one should take with respect to investment management decisions. When in doubt, speak to a credentialed tax and investment professional. This article was written by John Ohe – CFA and IRS Enrolled Agent. John works at Hola Expat, which provides tax services for Americans living abroad. If you would like to submit a question, email info@ holaexpat.com. For information on various tax-related topics, visit: holaexpat.com.
· T O P
Text / Photos by Robert Adams
T I P S ·
for relocating to Yucatán
eed these five practical tips from Merida immigration attorney Rodrígo Rodríguez, and you may find your planned relocation to Yucatán unfolds more smoothly. Rodríguez, general director of Yucatan Visa in Merida, counsels many expats from the U.S., Canada and other countries on various legal and practical strategies for organizing their affairs. Relocating to a foreign country entails myriad details and requires considerable planning and foresight. Here are Rodríguez’ top five tips for moving to Mexico. 1. Before boarding the plane, arrange for someone at home to be responsible for maintaining important pending matters there. Rodríguez suggests delegating power of attorney to a family member or close friend. 2. Consult with your home country bank about procedures and fees for transferring funds to Mexico. “All banks are different. Some charge horrendous fees, and some won’t do it at all,” Rodríguez notes. 3. Don’t rely on frequent ATM cash withdrawals as your only source of funds. Open and transfer funds to a Mexican bank account.
“What if you lose your wallet and (American) ATM card? You don’t want to be penniless in a foreign country for any length of time.” 4. Buy an international or Mexican health insurance policy. Most Mexican hospitals don’t accept foreign health insurance and require upfront payment for all services before a patient will be discharged. Having Mexican health insurance can help avoid a crisis of being faced with huge hospital bills that must be paid upfront before you’re able to leave the hospital. 5. If buying property, hire your own attorney to fully represent your interests. Carefully select a reputable and qualified attorney (who must be a “notario”) to help you navigate the complex channels of Mexican property ownership. Yucatan Visa Av. Colón #503 Colonia García Ginerés, Merida 999 285 7322 firstname.lastname@example.org www.yucatanvisa.com Text/Photo by Robert Adams
H O W T O S TAY H E A L T H Y Merida Medical Doctors
ompiled by the U.S. Consulate in Merida, this partial list is not all-inclusive nor a recommendation of professional ability, reputation or quality of services provided. Inclusion on this list
is not an endorsement by the Consulate. The Consulate warns that it assumes no responsibility or liability for these doctors’ services. The order in which names appear has no significance or preference.
Dr. Humberto Angulo Cortes // (Eng 50% /Spa)
926-3078 Centro Medico las Américas. calle 54 no. 365, por av. Perez Ponce, col. centro, Mérida Yuc. C.P. 97000 204 Dr. Eduardo Mena Arana // (No Eng) 925-8233 Clinica de Merida, av. Itzaes no. 242. col. García Gineres, Mérida, yuc. C.P. 97100 313
Dr. Jorge Carlos Bolaños Ancona // (Eng 50%) 925-8385 Clinica de Mérida, av. Itzaes no. 242. col. García Gineres, Mérida, Yuc. C.P. 97100 226 Dr. Sergio A. Villareal Umana // (Eng / Spa)
926-6348 Edificio anexo (Centro Médico las Américas). calle 54 no. 365, por av. Pérez Ponce, col. centro, Mérida Yuc. C.P. 97090 first floor c room 9 Dr. David Arjona Canto // (Eng / Spa) 925-4487 Clínica de Mérida, av. Itzaes no. 242. col. García Gineres, Mérida, Yuc. C.P. 97100 202
Dr. Joaquin Jimenez Noh // (Eng / Spa) 925-4976 Clínica de Mérida, av. Itzaes no. 242. col. García Gineres, Mérida, Yuc. C.P. 97100 227/202 Dr. Salvador Padilla Morales // (Eng / Spa) CARDIOLOGISTS
926-2367 Centro Médico las Américas. Calle 54 no. 365, por av. Pérez Ponce, col. centro, Mérida Yuc. C.P. 97000 104 Dr. Carlos Wabi Dogre // (Eng / Spa) 925-6255 Clínica de Mérida, av. Itzaes no. 242. Col. Gárcia Gineres, Mérida, Yuc. C.P. 97100 309 Dr. Roger Enrique Perez Perez // (Eng / Spa)
925-9976 Clínica de Mérida, av. Itzaes no. 242. col. García Gineres, Mérida, Yuc. C.P. 97100 115 Dr. María Rosa Rivero Vallado // (No Eng) 925-8406 Clínica de Mérida, av. Itzaes no. 242. col. García Gineres, Mérida, Yuc. c.p.97100 320 Dr. Carlos Alayola Montañez // (Eng / Spa) Orthodontics Specialist 923-5380 · 928-5939 Calle 60 no. 387-b por 43, col. centro. Mérida, Yucatán C.P. 97000 Dr. Javier Cámara Patrón // (Eng / Spa) 925-3399 Calle 17 no. 170 por 8 y 10. col. Gárcia Gineres. Mérida, Yucatán. C.P. 97070
Dr. Rolando Peniche Marcín // (Eng / Spa) 926-4434 Centro Médico las Américas. calle 54 no. 365, por av. perez ponce, col. centro, merida yuc. cp. 97000 314 Dr. Ana Leticia Morales Vera // (Eng / Spa) 928-6810 Calle 6 no. 489 por 17 y 19. col. García Gineres, Mérida, Yucatán. C.P. 97070 Dr. Rafael Alonso Dominguez // (Eng / Spa) 920-246 Centro Estético Odontologico. av. Cupules no. 74. por 6 y 8 col. García Gineres, Mérida
Dr. Hugo Laviada Molina // (Eng / Spa)
925-8233 Clínica de Mérida, av. Itzaes no. 242. col. Gárcia Gineres, Mérida, Yuc. C.P. 97100 313 Dr. Mario Barrero Estrada // (No Eng) 920-1037 Centro Médico Pensiones, av. Barrera Vázquez no. 215-A. col. Pensiones, Mérida, Yucatán. c.p. 97219 219-A
Dr. Francisco Rivero Maldonado // (No Eng) 925-4776 Clínica de Mérida, av. Itzaes no. 242. col. García Gineres, Mérida, Yuc. C.P. 97100 102 Dr. Miguel Fernandez Martinez// (Eng / Spa)
943-7070 Star Médica, calle 26 no. 199 x 15 x 7, fracc. Altabrisa. 404 Dr. Luis Alberto Navarrete Jaimes // (Eng / Spa) 920-0949 Clínica de Mérida, av. Itzaes no. 242. col. García Gineres, Mérida, yuc. C.P. 97100 120 Dr. Catalina Aldana de Mendez // (Eng / Spa) 943-2694 Star Médica, calle 26 no. 199 x 15 x 7, fracc. Altabrisa. 920 Dr. Manuel Mendez Arceo // (Eng / Spa) 943-1344 Star Médica, calle 26 no. 199 x 15 x 7, fracc. Altabrisa. 921
Dr. José Pereira Carcano // (Eng / Spa) 925-6819 Clínica de Mérida, av. Itzaes no. 242. col. García Gineres, Mérida, Yuc. C.P. 97100 315 Dr. Luis Jesus Rodriguez Bolio // (Eng / Spa) 925-3998 Clínica de Mérida, av. Itzaes no. 242. col. García Gineres, Mérida, Yuc. C.P. 97100 107 Dr. Sergio A. Villareal Umana // (Eng / Spa)
926-6348 Edificio anexo (Centro Médico las Américas). calle 54 no. 365, por av. Pérez Ponce, col. centro, Mérida Yuc. cp. 97090 first floor C room 9
Source: Website of U.S. Embassy / U.S. Consulate in Merida, https://mx.usembassy.gov/wp-content/uploads/sites/25/2017/08/ MER-DoctorHospitalList-updated-Aug-24-2017.pdf
WELCOME! My name is Iván Cervera López, and I am director of Mayakin Real Esate Advisors. We would like to put ourselves at your disposition for any matter related to real estate in Mérida and Yucatán. We share with our clients many investment opportunities and housing options, as well as information we believe could improve your finances and provide greater economic security.
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Mid Point February 15