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harborterrace · 2 days
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Harbour Terrace Retirement Community: Spacious Studio and One-Bedroom Suites Floor Plans
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More Than Just A Room
Harbor Terrace, with its eighty-five spacious and well-equipped apartments, provides a variety of choices. Each private apartment is ready to be individualized with your furniture, family pictures and personal mementos… the treasures you know and love.
Contact Information: (310) 547-0090
Studio Luxury Apartments
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Harbor Terrace considers resident security of paramount importance. We feature these premium services that ensure a safe and friendly environment for all our residents:
24-hour staff
Two emergency call systems
Brightly lit hallways and public areas
Automatic sprinkler system
Shower and toilet safety bars
Individually-controlled heat and air-conditioning
Plush carpeting and window coverings
Wet bar complete with a refrigerator, sink and microwave
Residents are welcome to personalize their living areas with their own special comforts of home.
One-Bedroom Suites
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We feature these premium services that ensure a safe and friendly living environment
24-hour staff
Four emergency call systems
Automatic sprinkler system
Shower and toilet safety bars
Two full bathrooms
Three closets
Individually-controlled heat and air-conditioning
Plush carpeting and window coverings
Large sliding windows and doors
Wet bar complete with a refrigerator, sink and microwave
Residents are welcome to personalize their living areas with their own special comforts of home.
Finding the perfect retirement community is about more than just location and amenities—it’s also about choosing a living space that provides comfort, convenience, and a sense of home. At Harbour Terrace Retirement Community, residents can enjoy beautifully designed living spaces, with a focus on spacious studio and one-bedroom suites that cater to different needs and lifestyles.
Why Choose Harbour Terrace Retirement Community?
Harbour Terrace stands out among retirement communities due to its focus on providing residents with comfort and independence, all within a secure and welcoming environment. Whether you are looking for a spacious studio or a one-bedroom suite, each floor plan is designed with the individual resident in mind, ensuring a blend of practicality, elegance, and comfort.
1. Spacious Studio Floor Plans
For those looking to simplify their lifestyle, spacious studio suites at Harbour Terrace offer a perfect balance of space and functionality. These suites are ideal for residents who prefer a more compact living arrangement while still enjoying all the modern amenities and comforts of a retirement community.
Key Features of the Spacious Studio Suites:
Open-Plan Layout: The design of the studio suites allows for an easy flow between living, dining, and sleeping areas. This open-plan design makes the space feel larger and more airy.
Efficient Use of Space: Every square foot is utilized thoughtfully, ensuring there’s ample room for relaxation, storage, and movement.
Private Bathroom: The spacious studio suites come equipped with a private bathroom, designed for comfort and accessibility.
Natural Light: Large windows allow for plenty of natural light, making the suite feel bright and welcoming.
Low Maintenance: With a smaller footprint, studio suites are easy to maintain, giving residents more time to enjoy the community’s amenities and activities.
2. One-Bedroom Suites for Added Comfort
For residents who prefer a bit more space and privacy, the one-bedroom suites at Harbour Terrace offer the perfect solution. These suites are designed for those who appreciate having separate living and sleeping areas while still benefiting from all the conveniences of community living.
Features of the One-Bedroom Suites:
Separate Bedroom: The one-bedroom suites provide a distinct bedroom area, offering privacy and a quiet space for rest. The separation of living and sleeping areas creates a more traditional home-like feel.
Spacious Living Room: The living room in the one-bedroom suites offers plenty of space for entertaining guests, relaxing with a good book, or watching TV. This makes it easy to personalize the space to suit your preferences.
Fully Equipped Kitchenette: For residents who enjoy preparing their own meals or snacks, many one-bedroom suites come with a kitchenette, including a refrigerator and storage space for essentials.
Ample Storage: Designed with convenience in mind, the one-bedroom suites provide ample storage options, including closets and cabinets, ensuring residents can bring their favorite belongings without feeling cramped.
Private Bathroom: Just like the studio suites, the one-bedroom suites also come with private bathrooms, fully equipped with safety features for ease of use.
 
Benefits of Spacious Studio and One-Bedroom Suites
Harbour Terrace takes pride in offering more than just rooms; they provide spacious studio and one-bedroom suites that ensure residents feel at home. Here are some of the key benefits:
1. Independence with Support
The layout and design of the suites allow residents to maintain their independence while also having access to the care and assistance they need. Whether choosing a studio or a one-bedroom, residents can enjoy personal space while knowing help is always nearby.
2. Comfortable Living Spaces
Both the spacious studio and one-bedroom suites are designed to feel like home, with enough room for residents to decorate and arrange their living space as they please. The suites offer all the essentials, so whether it’s a quiet afternoon at home or a visit from family and friends, residents can enjoy their retirement comfortably.
3. Access to Community Amenities
Choosing a spacious studio or one-bedroom suite doesn’t mean sacrificing access to the full range of community services. Harbour Terrace offers a wide variety of amenities, including:
Social and Recreational Activities: From game nights to exercise classes, residents can participate in various activities designed to foster engagement and a sense of community.
Dining Options: Residents enjoy chef-prepared meals, with the choice of dining in the communal areas or preparing small meals in their own kitchenette (available in select one-bedroom suites).
Health and Wellness Services: Harbour Terrace provides access to health and wellness services, including regular check-ups and medication management, all within the comfort of the community.
Tailored to Your Needs
At Harbour Terrace, the spacious studio and one-bedroom suites are tailored to meet individual preferences and needs. Whether you're looking for a cozy, easy-to-maintain space or a larger suite with room for personal belongings and hobbies, Harbour Terrace offers flexible floor plans to suit every lifestyle.
Spacious Studio: Ideal for those who appreciate a simplified lifestyle with everything in one open space.
One-Bedroom Suites: Perfect for those who enjoy separate spaces for sleeping and living, offering a home-like atmosphere.
Conclusion
When it comes to choosing a retirement community, finding the right living space is essential. The spacious studio and one-bedroom suites at Harbour Terrace Retirement Community offer residents a perfect blend of comfort, independence, and convenience. Whether you prefer a more minimalist studio or a larger one-bedroom suite, you’ll find a living space that feels like home at Harbour Terrace.
Explore the spacious studio and one-bedroom suites today and see why Harbour Terrace is the ideal choice for your retirement living.
 
CONTACT US:
Address: 435 West 8th Street, San Pedro, CA 90731
Phone number: (310) 547-0090
Website: https://harborterraceretirement.com/Tags:Best Independent Assisted Living Community in San Pedro, Best Assisted Living Community in San Pedro, Comfortable retirement community in San Pedro, Becoming a Resident in San Pedro, Modern assisted living in San Pedro California, Modern assisted living in San Pedro, Modern assisted living in San Pedro USA, Modern assisted living in San Pedro ca, Modern comfortable assisted living in USA, Career at Harbor Terrace, Modern comfortable assisted living facilities in USA, Modern assisted living in California, Best modern comfortable assisted living facilities in San Pedro, comfortable assisted living facilities in San Pedro, comfortable assisted living facility in San Pedro, Modern comfortable assisted living facilities in South Bay, Assisted living facilities in San Pedro, Assisted living facilities in San Pedro ca, Assisted living facilities in San Pedro California, Comfortable senior assisted living in San Pedro, Independent senior living San Pedro, Assisted living homes in San Pedro, Best Assisted living facilities in San Pedro, Senior assisted living facilities in San Pedro, Senior assisted living in San Pedro, Best retirement community in San Pedro, Residential assisted living in San Pedro, Residential assisted living homes in San Pedro, Senior living communities in San Pedro, Best Residential assisted living homes in San Pedro, Open environment assisted living in San Pedro, Discover Serene Assisted Living in San Pedro, Best retirement community in the South Bay, Modern assisted living in Los Angeles, Assisted living facilities in the South Bay, Assisted living communities in the South Bay, Best assisted living community South Bay, Open environment assisted living in San Pedro CA, 55 and over community San Pedro, Independent senior community in the South Bay, Homes for the elderly San Pedro
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nobrashfestivity · 3 months
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Jill Pflugheber, Microscopy Specialist, and Dr. Steven White, Lewis Professor of Hispanic Studies (retired) Trichocereus Trichocereus pachanoi Feldman’s research on the ritual use of “Wachuma,” the San Pedro cactus, establishes that Trichocereus pachanoi is one of the plants of power that is best represented in pre-Incan iconography, appearing in the art of a variety of indigenous cultures such as that of Chavín, Nazca, Moche, Paracas, and Chimú. The traditional use of this cactus, which contains significant amounts of mescaline, extends to northern Chile, northwestern Argentina, Bolivia, Peru and Ecuador. Even so, he says, the pre-Hispanic uses of the cactus (as a sacrament that facilitated communing with the divine spirits of nature) are still particularly well-conserved in northern Peru in the mountains of Piura (Huancabamba and Ayabaca), where the Complex of Las Huaringas Lagoons (a UNESCO World Heritage Centre) with its “paramo” ecosystem is located. Feldman analyzes the social function of San Pedro as a means of diagnosing illness and healing as well as conflict resolution or achieving prosperity in diverse forms. It is also employed in rituals for predicting the weather, doing astronomical observation, and extracting the mamayacu, (the mother of the sacred waters of the lakes). Feldman believes that the traditional use of San Pedro “represents a factor of social cohesion and regional cultural identity, while at the same time preserving a centuries-old religious system.”
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Henri Michaux, Mescaline Paintings. 1950s
“I first took mescaline,” Michaux has said, “to see if I was capable of having luminous and colorful visions. I considered myself a kind of cripple: all my dreams and inner mental images are in dull grey.” But after a few minutes under the drug he decided that the search for luminous images was secondary to the possibilities of the drug for exploring the mind itself. “What immediately interested me,” he says, “was the rapport between the image and the idea, between the wish to see something and what one sees. In mescaline one finds an independent consciousness with its own world of images. One learns what it is both to have and not have a will.’’
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rjzimmerman · 4 months
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Excerpt from this story from Inside Climate News:
When Peter Else left the University of Arizona in 2005 to live in the San Pedro Valley full time, he planned to spend his retirement farming in one of the most ecologically intact landscapes left in southern Arizona, where the nearby river remains undammed and giant cactuses fill the space between the Galiuro and Rincon mountains. 
But Else, who previously directed the Tucson Area Agricultural Centers at the University of Arizona, soon found himself in the middle of one of the most consequential debates over developing green spaces for green energy. For nearly a decade, he has been fighting the SunZia project—a transmission line connecting 3,000 megawatts of clean energy generated by wind farms in New Mexico to the power grid. The transmission line was routed largely along highways in New Mexico and Arizona but detoured into the San Pedro Valley for roughly 50 miles, cutting through a landscape that for decades avoided most of the impacts of human development. Other routes identified by developers were deemed to have greater negative impacts by federal regulators, while the company said building along existing infrastructure was too costly.  
“I’ve never done anything like that before in my life,” Else said of becoming a citizen intervenor during the Arizona Corporation Commission’s (ACC) permitting process for SunZia, a role that allows citizens impacted by a project to directly participate in its permitting by providing sworn testimony and cross-examining witnesses. “I had no idea what I was getting into.” 
Fifteen years since the project was first proposed and nearly a decade after state regulators began reviewing the project, Else is still involved, suing the ACC, which regulates state utilities, over its issuing of a certificate of environmental compatibility (CEC) to SunZia. The suit argues that the development has fundamentally changed since it was narrowly approved in 2016 and no longer benefits Arizona. 
When SunZia was approved, the project planned to build two side-by-side power lines and connect to a planned substation in Bowie, Arizona. One of the lines built would be an alternating current line, enabling other energy projects in southern Arizona to connect to the grid, while the other would be a direct current line, which doesn’t easily allow for interconnection and is best used for sending large amounts of energy over long distances. But since Pattern Energy purchased the project in 2022, only the DC line is being built after the ACC agreed to separate the permits for both of the lines. The AC line currently lacks the funding to begin construction, and all of the project’s wind energy is slated to be sold in California, where it’s worth more. 
“As a matter of law, the Commission cannot approve a CEC when on one side of the balance is zero (no Arizona purchasers) or noneconomical power, and on the other side is environmental and ecological harm,” the lawsuit reads. “This is an independent reason to remand: the Commission must require Pattern to put on evidence of actual need in Arizona.”
Else’s lawsuit is just the latest in a series of challenges facing SunZia, the biggest renewable energy project in U.S. history, despite construction on the project having already begun. Fights over the development are playing out in state and federal courts. 
Transmission lines are vital to the energy grid and a major component of the transition away from fossil fuels. The lines send energy, often generated in remote places, over long distances, typically to major urban centers. But building them can be a long and tedious process, involving regulators from various states and federal agencies and the consultation and feedback of local and tribal communities, environmental groups and others. 
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belizeguide · 3 months
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Belize Real Estate
Belize is a gem in Central America. There is no comparison to the breathtaking landscape, cultural richness, and investment opportunities available in real estate, considering its coastal areas—Ambergris Caye and Placencia—with clear turquoise waters and beaches of white sand, would offer the best place for a beachfront lifestyle. Those who are after adventure can always go inshore to the dense jungle and Mayan ruins in the Cayo District. The country also harbors a high expat and retiree population, being an attractive place given friendly tax laws and an English-speaking society. Whether it is the search for a holiday home, retirement haven, or an investment property, Belize in real estate has something for everyone.
Perhaps more importantly, also boosting investment in real estate in Belize is the favorable tax climate of this country. It does not levy any capital gains tax, and the rates of property taxes are low. What is more, the government offers various incentives for such people to invest in tourism-related developments.
Ambergris Caye is one of the best places in the region to enjoy island life, with a vibrant expat community and a thriving tourism industry. San Pedro, Ambergris Caye, includes all the modern conveniences, quality dining, and nightlife to make it a great place to live and vacation. Meanwhile, Placencia is famous for its pretty beaches and relaxed surroundings—a perfect place for someone looking for a getaway from everything.
Inland, the Cayo District is stunning with its heavy rainforests, magnificent waterfalls, and key archaeological sites. Towns like San Ignacio and Belmopan bring together the best of what's natural, along with the diversity of cultures that see eco-tourists and adventurers visiting. The infrastructural development in this region has been on a constant rise, making it an up-and-coming area in terms of real estate.
The English-speaking population in Belize, coupled with its geographical closeness to North America, guarantees ease of communication and accessibility by foreign investors. The country's stable political climate and welcoming attitude toward foreigners further enhance its attractiveness as a real estate destination.
Whether looking for a beachfront villa, a jungle retreat, or an investment property, Belize offers something for all tastes and budgets. With panoramic natural beauty, vibrant culture, and atmosphere investment-worthy, Belize stands out from the crowd and shines as one of the premier destinations for real estate enthusiasts.
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barrysaks · 4 years
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Little Fish Theatre Announces Live Streaming on its Virtual Stage
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After I retired but before I began studying literature and journalism, I began reading the plays of Eugene O’Neill then William Shakespeare.  I acquired a taste for live theater.  Of course, the best way to experience theater is not to read it but to see and hear it.
One of my favorite intimate theaters is in the harbor community of San Pedro in Los Angeles, the Little Fish Theatre, an…
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travelguy4444 · 5 years
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The Ultimate List of Things to Do in Medellín
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Posted: 04/19/2019 | April 19th, 2019
Once considered one of the deadliest cities in the world, Medellín has undergone a transformation over the last fifteen years that has made it one of the most modern places in all of Colombia.
The city has become a lot safer, there is a fantastic metro and cable car system that could rival the best in Europe, lots of parks, new buildings, libraries, restaurants, and a growing tech scene.
The city has changed a lot, and you can tell the residents are very proud of everything they’ve accomplished. There’s a palpable sense of possibility in Medellin. Optimism and excitement were always in the air.
Medellín is now one of “it” cities in the world. Tourists swarm it, and foreigners (especially young digital nomads) are settling and retiring here in droves. It was the most cosmopolitan and international city I visited in Colombia.
I spent close to a total of three weeks in Medellín.
If you’re looking to visit Medellín (and I don’t see why you wouldn’t be if you’re in Colombia), here is a list of my favorite things to do and see after spending so much time there:
1. Explore the Numerous Parks and Plazas
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Medellín’s year-round temperate climate makes it a perfect place to spend a lot of time outdoors, where people are always lounging around and vendors are peddling food and drinks. Two must-visit parks are:
Plaza Botero – Botero was a famous artist from Medellin known for his drawing and statues of oversized people. This plaza is home to 23 Botero sculptures and is always packed with people taking photos, street performers, and artists. Located in the Old Quarter, you’ll find a couple of museums in the square too.
Parque Lleras – Located right in the center of Poblado, this park is full of people all day and night. There are street vendors, food sellers, musicians, and people drinking into the wee hours of the night. It’s a wonderful place to people-watch and one of the best places to have fun in the city!
2. Wander Parque Arvi
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This park is worthy of its own entry. Located in the mountains near the city, you can take the gondola right from the subway to the park’s entrance. It’s a beautiful ride through the hills and offers some incredible views of the valley and city.
The park spans 16,000 hectares and includes trails that date back over 1,500 years. At the park entrance, you’ll find a small market as well as trails to hike. To visit, you now have to take a guided tour. It costs 5,000-7,000 COP ($1.50-2.25 USD) depending on the trail (most trails are 2-4km long). Bird-watching tours are also available.
3. Explore Jardín Botánico
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The botanical gardens, a quiet retreat from the noise and chaos of the city, host numerous events, concerts, and festivals throughout the year. They cover over 14 hectares and are home to around 4,500 flowers and some 139 different bird species.
There’s also a nice (if not overpriced) restaurant in the center if you feel like spending more time here relaxing and taking in the scene.
4. See a Soccer Match
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Soccer (futbol) here is religion and, if there are games when you’re here, you should really try to see one. Medellín has two local teams: Atlético Nacional and Independiente Medellín. Supporters of each team occupy bleachers at opposing ends of the stadium since things tend to get rowdy and violent when they are near each other. Ticket prices are well under 40,000 COP (under $12.50 USD).
5. Take a Day Trip to Guatapé
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Guatapé is the most popular day-trip destination from Medellín. It’s a colorful pueblo (village) situated on the edge of a lake about two hours from town, and it’s possible to take tours of the surrounding area by speedboat or party boat (which is very popular with backpackers who spend a night or two here).
The main attraction is El Peñol, a granite monolith with over 700 concrete stairs etched in its side. For a few thousand pesos, visitors can climb to the top for breathtaking 360-degree views of the region.
Guatapé is a long day trip from Medellín (hostels in the city organize trips throughout the week), so I recommend trying to spend at least a night here so you aren’t rushed and can enjoy the area little more.
6. Take a Free Walking Tour
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One of my favorite things to do when I get to a new city is to take a free walking tour. They’re perfect for getting an overview of a place while giving you access to a local expert who can answer your questions.
Real City Walking Tours has a great free tour that will give you an informative introduction to the city. Don’t do any other tours; this is the only free walking tour you need, and it’s the best in town. You’ll get a lot of information, and the guides are wonderful. Be sure to tip at the end!
7. Tour Comuna 13
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This area was once the most violent part of Medellín. Murder, drugs, and violent crime were rampant (it’s still not a safe area to visit at night). You used to have to go through guards to get into this area; if you didn’t live here, you weren’t let in.
However, thanks to its street art (which was a reaction to heavy-handed police raids) there has been a huge influx of tourists. That has made part of the area safer and led to a rise in business and commerce. It’s really changed the fabric of the community. Local residents are even coming here now, figuring that if the tourists are going, it must be good!
You can visit by yourself or go on a tour (where a guide will explain the history of the area and the artists). Some of the better tour companies are:
Comuna 13 Graffiti Tour
Zippy Tour
Medellín City Tours
8. Visit the Museo de Antioquia
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Founded in 1881, this interesting museum is home to numerous pre-Colombian works as well as national and international works by famous artists (there are a bunch of Boteros here too) and a wide variety of photographs and sculptures.
Cl. 52 #43, +57 4-251-3636, museodeantioquia.co. The museum is open Monday-Saturday 10am-5:30pm and Sundays 10am-4:30pm. Admission is 18,000 COP ($6 USD) per person.
9. Wander the Cementerio Museo de San Pedro
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Built in 1842, this cemetery is also a museum where you can see the monuments and graves of many famous Colombians while learning about their lives and contributions. There’s a lot of large marble mausoleums and statues here. Keep an eye out for special events such as midnight tours and movie nights. The cemetery is small but it’s also close to the botanical gardens so you can do both one after the other.
Cra. 51 #68-68, +57 4-516-7650, cementeriosanpedro.org.co. Open daily 7:30am-5:30pm. Admission is free.
10. See the Casa de la Memoria
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This museum opened in 2012 and examines the history of armed conflict in Colombia. It sheds light on the struggles the people of Colombia have had to overcome to get where they are today.
It’s a very sobering and solemn place but it offers some important insights. Don’t miss it.
Parque Bicentenario, +57 4-520-2020, museocasadelamemoria.gov.co. Open Tuesday-Friday 9am-6pm and weekends 10am-4pm. Admission is free, and there is also a free audio guide you can download. Guided tours are available on Tuesdays and Fridays. Contact the museum for details.
11. Visit the Museo de Arte Moderno
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The Museum of Modern Art, located in a refurbished industrial building, is an awesome work of art in itself. There’s a ton of exposed area, giving it a really charming feel. Many people have a love-hate relationship with modern art (it’s not my personal favorite, I admit) but even I enjoyed my visit here.
The collection is small, but there’s also a beautiful photography section on the bottom floor. Even if it’s not your thing, it’s worth spending a couple hours here to get a sense of the modern art scene in the city.
Cra. 44 #19a-100, +57 4-444-2622, elmamm.org. Open Tuesday-Friday 9am-6pm, on Saturdays 10am-6pm, and Sundays 10am-5pm. Admission is 12,000 COP ($4 USD) per person.
12. Take a Food Tour
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If you’re looking to taste a sample of what Medellín™ has to offer, there are a couple of food tour companies that can help. It’s a great way to get a taste for the local cuisine while learning about the country’s traditions in the process. There are plenty of options, such as street food tours from Toucan Café or more traditional local restaurant tours from Medellín City Tours. Both are good options!
Expect to pay 143,000-286,00 COP ($45-90 USD) per person.
13. Visit a Microbrewery
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If you find yourself parched after an afternoon of sampling the city’s delicious cuisine, consider taking a brewery or craft beer tour to quench your thirst. There is an up-and-coming craft beer scene in Colombia, and Medellín has over 30 breweries and microbreweries. These are some of the best places to try a local beer:
3 Cordilleras runs tours Thursday and Friday evenings, offering five samples for 25,000-30,000 COP ($8-10 USD) per person.
Cerveza Premium Apóstol has a tour every Thursday at 6:30pm where you can see the brewery, taste a few drinks, and enjoy a snack in the process. Advanced booking is required, and tickets are 35,000 COP ($11 USD) per person.
20 Mission Cerveza has great beer, great food, and it’s a fun place to hang out and meet people. They don’t offer tours, but they do host music events and DJs. It’s super popular and one of the best places in town to grab a beer.
Brew House is a family-owned-and-operated brewery where you can take a tour and sample the offerings alongside their full pub menu.
Medellín Beer Factory doesn’t offer tours, though it does brew its own beer, with over 50 kinds on the menu! It’s a great place to relax with friends.
14. Visit Comuna 8
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Much like Comuna 13, this area was one of the poorest in Medellín — and it still is. This district was really isolated until the city built a gondola from downtown, allowing people to get to work a lot more easily.
La Sierra runs a tour to teach people about the history of the area, and, unlike Comuna 13, it’s not overrun with tourists. It’s a small district and the tour doesn’t last long, but you get a much more authentic look at the city and its people and history than you do in Comuna 13 (where the focus is more on street art). I highly recommend it; it was one of the most insightful experiences I had in Medellín.
Finally, Don’t Do the Escobar Tour!
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The locals here are not fans of Pablo Escobar. His violent life and legacy caused untold amounts of harm to the city and its population, and while it’s always good to learn about the history of a destination, glorifying this is not something I want to support. You can learn about his life online in a way that doesn’t spit in the face of the locals, many of whom don’t even speak his name. Out of respect for them, I encourage you to skip the Escobar tour.
Where to Eat in Medellín
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I ate a lot in this city — and it was amazing! Here are some highlights:
Mondongo – Traditional Colombian food in a relaxed atmosphere. Try the mondongo, a traditional tripe soup. It comes with a ton of side dishes (including giant avocados). Come early, as this place get packed. Try to avoid the weekend. (Cl. 10 #38-38)
Carmen – High-end gastronomy with some of the best food in all of Colombia. It’s expensive but worth it. It was the best splurge meal I had in the country. (Cra. 36 #10a-27)
Mercado del Rio – An awesome food court offering all sorts of delicious food from dozens of vendors. There’s something for everyone here. (Cl. 24 #48-28)
20 Mission – A great microbrewery with delicious food too! Try the IPA. (Cl. 16 #43f-66)
Pergamino Café – A chill café with some of the best coffee in town. I spent a lot of time working here. They make great breakfast food, BLTs, and empenadadas. (Cra. 37 #8A-37)
37 Park – Another great bar and restaurant with a rustic outdoor garden. (Cra. 37 #8A – 4)
Hatoviejo – This is one of the best places to get traditional Colombian food. It’s pricey when compared to some of the hole-in-the-wall restaurants you’ll find throughout town. (Cl. 16 #28-60)
***
I was never bored in Medellín. In a country full of hype, this hyped-up city is all that it’s cracked up to be. It has enough activities to fill weeks on end. Combined with the low cost of travel and living, it’s no wonder more and more people are visiting the city.
This guide can help you plan your trip. And while it’s easy to get lost in Gringoland here, try to get out of Poblado or Laureles and see the locals’ side of town.
That’s where the magic of Medellín happens.
Book Your Trip to Colombia: Logistical Tips and Tricks
Book Your Flight Find a cheap flight by using Skyscanner or Momondo. They are my two favorite search engines, because they search websites and airlines around the globe, so you always know no stone is being left unturned.
Book Your Accommodation You can book your hostel with Hostelworld. If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and cheap hotels. I use it all the time. Here are suggested places to stay in Medellín:
Los Patios: This is an upscale hostel, but you get a lot of value. It’s in a great location and the staff are awesome. It’s always clean and the beds are comfy!
Happy Buddha Boutique Hostel – This is the biggest party hostel in Medellín, so if you’re looking to get crazy, this your best bet! The staff works hard to keep people happy (and drunk), including organizing drinking games, salsa classes, and pub crawls!
The Wandering Paisa – This hostel is located in the upscale area of Laureles, which is the up and coming touristy area of the city. All the dorms are covered in South American and Colombian cultural artwork by local students and each bed comes with a large locker and a privacy divider, which makes it easier to sleep.
Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it, as I’ve had to use it many times in the past. I’ve been using World Nomads for ten years. My favorite companies that offer the best service and value are:
World Nomads (for everyone below 70)
Insure My Trip (for those over 70)
Looking for the best companies to save money with? Check out my resource page for the best companies to use when you travel! I list all those I use to save money — and I think they will help you too!
Looking for more information on visiting Colombia? Check out my in-depth destination guide to Colombia with more tips on what to see and do, costs, ways to save, and much, much more!
Photo credits: 2, 3, 4, 5, 8,9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19
The post The Ultimate List of Things to Do in Medellín appeared first on Nomadic Matt's Travel Site.
source https://www.nomadicmatt.com/travel-blogs/ultimate-list-medellin/
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melissagarcia8 · 5 years
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The Ultimate List of Things to Do in Medellín
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Posted: 04/19/2019 | April 19th, 2019
Once considered one of the deadliest cities in the world, Medellín has undergone a transformation over the last fifteen years that has made it one of the most modern places in all of Colombia.
The city has become a lot safer, there is a fantastic metro and cable car system that could rival the best in Europe, lots of parks, new buildings, libraries, restaurants, and a growing tech scene.
The city has changed a lot, and you can tell the residents are very proud of everything they’ve accomplished. There’s a palpable sense of possibility in Medellin. Optimism and excitement were always in the air.
Medellín is now one of “it” cities in the world. Tourists swarm it, and foreigners (especially young digital nomads) are settling and retiring here in droves. It was the most cosmopolitan and international city I visited in Colombia.
I spent close to a total of three weeks in Medellín.
If you’re looking to visit Medellín (and I don’t see why you wouldn’t be if you’re in Colombia), here is a list of my favorite things to do and see after spending so much time there:
1. Explore the Numerous Parks and Plazas
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Medellín’s year-round temperate climate makes it a perfect place to spend a lot of time outdoors, where people are always lounging around and vendors are peddling food and drinks. Two must-visit parks are:
Plaza Botero – Botero was a famous artist from Medellin known for his drawing and statues of oversized people. This plaza is home to 23 Botero sculptures and is always packed with people taking photos, street performers, and artists. Located in the Old Quarter, you’ll find a couple of museums in the square too.
Parque Lleras – Located right in the center of Poblado, this park is full of people all day and night. There are street vendors, food sellers, musicians, and people drinking into the wee hours of the night. It’s a wonderful place to people-watch and one of the best places to have fun in the city!
2. Wander Parque Arvi
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This park is worthy of its own entry. Located in the mountains near the city, you can take the gondola right from the subway to the park’s entrance. It’s a beautiful ride through the hills and offers some incredible views of the valley and city.
The park spans 16,000 hectares and includes trails that date back over 1,500 years. At the park entrance, you’ll find a small market as well as trails to hike. To visit, you now have to take a guided tour. It costs 5,000-7,000 COP ($1.50-2.25 USD) depending on the trail (most trails are 2-4km long). Bird-watching tours are also available.
3. Explore Jardín Botánico
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The botanical gardens, a quiet retreat from the noise and chaos of the city, host numerous events, concerts, and festivals throughout the year. They cover over 14 hectares and are home to around 4,500 flowers and some 139 different bird species.
There’s also a nice (if not overpriced) restaurant in the center if you feel like spending more time here relaxing and taking in the scene.
4. See a Soccer Match
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Soccer (futbol) here is religion and, if there are games when you’re here, you should really try to see one. Medellín has two local teams: Atlético Nacional and Independiente Medellín. Supporters of each team occupy bleachers at opposing ends of the stadium since things tend to get rowdy and violent when they are near each other. Ticket prices are well under 40,000 COP (under $12.50 USD).
5. Take a Day Trip to Guatapé
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Guatapé is the most popular day-trip destination from Medellín. It’s a colorful pueblo (village) situated on the edge of a lake about two hours from town, and it’s possible to take tours of the surrounding area by speedboat or party boat (which is very popular with backpackers who spend a night or two here).
The main attraction is El Peñol, a granite monolith with over 700 concrete stairs etched in its side. For a few thousand pesos, visitors can climb to the top for breathtaking 360-degree views of the region.
Guatapé is a long day trip from Medellín (hostels in the city organize trips throughout the week), so I recommend trying to spend at least a night here so you aren’t rushed and can enjoy the area little more.
6. Take a Free Walking Tour
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One of my favorite things to do when I get to a new city is to take a free walking tour. They’re perfect for getting an overview of a place while giving you access to a local expert who can answer your questions.
Real City Walking Tours has a great free tour that will give you an informative introduction to the city. Don’t do any other tours; this is the only free walking tour you need, and it’s the best in town. You’ll get a lot of information, and the guides are wonderful. Be sure to tip at the end!
7. Tour Comuna 13
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This area was once the most violent part of Medellín. Murder, drugs, and violent crime were rampant (it’s still not a safe area to visit at night). You used to have to go through guards to get into this area; if you didn’t live here, you weren’t let in.
However, thanks to its street art (which was a reaction to heavy-handed police raids) there has been a huge influx of tourists. That has made part of the area safer and led to a rise in business and commerce. It’s really changed the fabric of the community. Local residents are even coming here now, figuring that if the tourists are going, it must be good!
You can visit by yourself or go on a tour (where a guide will explain the history of the area and the artists). Some of the better tour companies are:
Comuna 13 Graffiti Tour
Zippy Tour
Medellín City Tours
8. Visit the Museo de Antioquia
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Founded in 1881, this interesting museum is home to numerous pre-Colombian works as well as national and international works by famous artists (there are a bunch of Boteros here too) and a wide variety of photographs and sculptures.
Cl. 52 #43, +57 4-251-3636, museodeantioquia.co. The museum is open Monday-Saturday 10am-5:30pm and Sundays 10am-4:30pm. Admission is 18,000 COP ($6 USD) per person.
9. Wander the Cementerio Museo de San Pedro
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Built in 1842, this cemetery is also a museum where you can see the monuments and graves of many famous Colombians while learning about their lives and contributions. There’s a lot of large marble mausoleums and statues here. Keep an eye out for special events such as midnight tours and movie nights. The cemetery is small but it’s also close to the botanical gardens so you can do both one after the other.
Cra. 51 #68-68, +57 4-516-7650, cementeriosanpedro.org.co. Open daily 7:30am-5:30pm. Admission is free.
10. See the Casa de la Memoria
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This museum opened in 2012 and examines the history of armed conflict in Colombia. It sheds light on the struggles the people of Colombia have had to overcome to get where they are today.
It’s a very sobering and solemn place but it offers some important insights. Don’t miss it.
Parque Bicentenario, +57 4-520-2020, museocasadelamemoria.gov.co. Open Tuesday-Friday 9am-6pm and weekends 10am-4pm. Admission is free, and there is also a free audio guide you can download. Guided tours are available on Tuesdays and Fridays. Contact the museum for details.
11. Visit the Museo de Arte Moderno
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The Museum of Modern Art, located in a refurbished industrial building, is an awesome work of art in itself. There’s a ton of exposed area, giving it a really charming feel. Many people have a love-hate relationship with modern art (it’s not my personal favorite, I admit) but even I enjoyed my visit here.
The collection is small, but there’s also a beautiful photography section on the bottom floor. Even if it’s not your thing, it’s worth spending a couple hours here to get a sense of the modern art scene in the city.
Cra. 44 #19a-100, +57 4-444-2622, elmamm.org. Open Tuesday-Friday 9am-6pm, on Saturdays 10am-6pm, and Sundays 10am-5pm. Admission is 12,000 COP ($4 USD) per person.
12. Take a Food Tour
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If you’re looking to taste a sample of what Medellín™ has to offer, there are a couple of food tour companies that can help. It’s a great way to get a taste for the local cuisine while learning about the country’s traditions in the process. There are plenty of options, such as street food tours from Toucan Café or more traditional local restaurant tours from Medellín City Tours. Both are good options!
Expect to pay 143,000-286,00 COP ($45-90 USD) per person.
13. Visit a Microbrewery
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If you find yourself parched after an afternoon of sampling the city’s delicious cuisine, consider taking a brewery or craft beer tour to quench your thirst. There is an up-and-coming craft beer scene in Colombia, and Medellín has over 30 breweries and microbreweries. These are some of the best places to try a local beer:
3 Cordilleras runs tours Thursday and Friday evenings, offering five samples for 25,000-30,000 COP ($8-10 USD) per person.
Cerveza Premium Apóstol has a tour every Thursday at 6:30pm where you can see the brewery, taste a few drinks, and enjoy a snack in the process. Advanced booking is required, and tickets are 35,000 COP ($11 USD) per person.
20 Mission Cerveza has great beer, great food, and it’s a fun place to hang out and meet people. They don’t offer tours, but they do host music events and DJs. It’s super popular and one of the best places in town to grab a beer.
Brew House is a family-owned-and-operated brewery where you can take a tour and sample the offerings alongside their full pub menu.
Medellín Beer Factory doesn’t offer tours, though it does brew its own beer, with over 50 kinds on the menu! It’s a great place to relax with friends.
14. Visit Comuna 8
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Much like Comuna 13, this area was one of the poorest in Medellín — and it still is. This district was really isolated until the city built a gondola from downtown, allowing people to get to work a lot more easily.
La Sierra runs a tour to teach people about the history of the area, and, unlike Comuna 13, it’s not overrun with tourists. It’s a small district and the tour doesn’t last long, but you get a much more authentic look at the city and its people and history than you do in Comuna 13 (where the focus is more on street art). I highly recommend it; it was one of the most insightful experiences I had in Medellín.
Finally, Don’t Do the Escobar Tour!
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The locals here are not fans of Pablo Escobar. His violent life and legacy caused untold amounts of harm to the city and its population, and while it’s always good to learn about the history of a destination, glorifying this is not something I want to support. You can learn about his life online in a way that doesn’t spit in the face of the locals, many of whom don’t even speak his name. Out of respect for them, I encourage you to skip the Escobar tour.
Where to Eat in Medellín
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I ate a lot in this city — and it was amazing! Here are some highlights:
Mondongo – Traditional Colombian food in a relaxed atmosphere. Try the mondongo, a traditional tripe soup. It comes with a ton of side dishes (including giant avocados). Come early, as this place get packed. Try to avoid the weekend. (Cl. 10 #38-38)
Carmen – High-end gastronomy with some of the best food in all of Colombia. It’s expensive but worth it. It was the best splurge meal I had in the country. (Cra. 36 #10a-27)
Mercado del Rio – An awesome food court offering all sorts of delicious food from dozens of vendors. There’s something for everyone here. (Cl. 24 #48-28)
20 Mission – A great microbrewery with delicious food too! Try the IPA. (Cl. 16 #43f-66)
Pergamino Café – A chill café with some of the best coffee in town. I spent a lot of time working here. They make great breakfast food, BLTs, and empenadadas. (Cra. 37 #8A-37)
37 Park – Another great bar and restaurant with a rustic outdoor garden. (Cra. 37 #8A – 4)
Hatoviejo – This is one of the best places to get traditional Colombian food. It’s pricey when compared to some of the hole-in-the-wall restaurants you’ll find throughout town. (Cl. 16 #28-60)
***
I was never bored in Medellín. In a country full of hype, this hyped-up city is all that it’s cracked up to be. It has enough activities to fill weeks on end. Combined with the low cost of travel and living, it’s no wonder more and more people are visiting the city.
This guide can help you plan your trip. And while it’s easy to get lost in Gringoland here, try to get out of Poblado or Laureles and see the locals’ side of town.
That’s where the magic of Medellín happens.
Book Your Trip to Colombia: Logistical Tips and Tricks
Book Your Flight Find a cheap flight by using Skyscanner or Momondo. They are my two favorite search engines, because they search websites and airlines around the globe, so you always know no stone is being left unturned.
Book Your Accommodation You can book your hostel with Hostelworld. If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and cheap hotels. I use it all the time. Here are suggested places to stay in Medellín:
Los Patios: This is an upscale hostel, but you get a lot of value. It’s in a great location and the staff are awesome. It’s always clean and the beds are comfy!
BlackPine: This hostel has a laid-back vibe and an amazing kitchen for anyone planning to do their own cooking. There are plenty of electrical outlets and some great hammocks for relaxing!
Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it, as I’ve had to use it many times in the past. I’ve been using World Nomads for ten years. My favorite companies that offer the best service and value are:
World Nomads (for everyone below 70)
Insure My Trip (for those over 70)
Looking for the best companies to save money with? Check out my resource page for the best companies to use when you travel! I list all those I use to save money — and I think they will help you too!
Looking for more information on visiting Colombia? Check out my in-depth destination guide to Colombia with more tips on what to see and do, costs, ways to save, and much, much more!
Photo credits: 2, 3, 4, 5, 8,9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19
The post The Ultimate List of Things to Do in Medellín appeared first on Nomadic Matt's Travel Site.
from Traveling News https://www.nomadicmatt.com/travel-blogs/ultimate-list-medellin/
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harborterrace · 10 days
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https://harborterraceretirement.com/floorplans/
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thewanderersnotes · 8 years
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Sunshine, water and a whole lotta hippies
My good friend Bee had an extended layover in Guatemala on her way back to LA from Chile. For me it came at such a great time - I had just moved into my new place, was settling into my new job and starting to feel quite comfortable living in Antigua. It was a quick week visit, but we packed in as much as possible. We went to the Earth Lodge, a hippie haven in one of the cerros above Antigua. Completely sustainable, the Earth Lodge is a nice day getaway complete with good food, better beers and live music. You can easily go there alone and instantly start up a conversation with a stranger and leave with a friend. Total buena onda, it’s a place I will definitely escape to time&time again throughout my year here.  
But the real reason I’m writing is to talk about my first trip within Guatemala I’ve made. The last weekend Bee was here we got up at the crack of dawn and headed via shuttle 2.5 hours to Lake Atitlán. Lake Atitlán is in the Guatemalan Highlands of the Sierra Madre mountain range, located in the Sololá Department of southwestern Guatemala. When I say lake, you’ll picture something relatively small. However, this lake is not only immense in size but in depth as well. As the deepest lake in Central America, is boasts a maximum depth of about 340 meters, and is roughly 12X5 km with around 20 km3 of water. So, yeah, it’s pretty damn big and deep. Alos, fun fact, Atitlan means "at the water" in Nahuatl and the lake is surrounded by 3 active volcanoes.
The main town is called Panajachel, or as Chapins (Guatemalans) call it, Pana. While Maya culture is predominant in most lakeside communities, Pana, has been ‘overwhelmed’ over the years by Guatemalan and foreigners. In the 1960s it attracted many hippies and, although the civil war caused many foreigners to leave, the end of hostilities in the late 90s brought on a renewal of the foreigner boom. Today, the town's economy is almost entirely reliant on tourism, which was completely evident.
As the main town, Pana hosted too many foreigners and night life for my taste. Since it was little dirtier and louder than we wanted, we headed by lancha (boat) to San Marcos, one of the 10+ villages that surround the lake. San Marcos is arguably the “hippiest” of towns around the lake. As soon as we disembarked from the boat, we were met by dreaded guys selling hemp jewelry and yogis asking if we would like to join their sunset yoga session that evening. We walked around the town, “window” shopping and exploring the plethora of cafes and, of course, organic restaurants. We grabbed a couple strawberry margaritas, soaked in some sun and enjoyed the chilled out sounds of music featuring dijiridoos before heading to our final destination, San Pedro.
San Pedro, like Pana, was the best place for night life, but was quainter and cleaner. At the base of the San Pedro volcano, it is home to foreigners and locals alike, all clearly searching to have a good time, or at least escape a bad one. We explored a bit, looking for a good hostel or hotel. We ended up finding a room, with a balcony, hammock and garden where we could lay out for the low low price of $12 each. We went for more drinks - don’t judge, it’s vacation - and food. As we dined on nachos and tapas and soaked in more sunshine, we grew quite tired so we retired to our place where we chilled out, hammock style, before we went out for the night.
We were lucky that we were there the weekend “the bar” was having its birthday party. When we walked in the door we instantly received free shots and began to dance the night away to live DJs. Since the Antigua community is freakishly small, we ran into people I had met previously and hung out with them. Sharing stories and cocktails, Bee and I were social butterflies for the night. We ended the night around a fogata (bonfire) down by the water. That night I met people from all around the world but also met people who knew exactly where I was from in the US. It just showed me how large this world is, but also how small it can be. As we walked back to our hotel, accompanied by a nice Dutchman, we ordered tacos - because there’s nothing better than greasy street tacos to soak up alcohol - and passed out until the morning. 
We woke up to the sun shining, birds chirping and the breathtaking view of the lake. We both took a minute to truly appreciate where we were, to recollect our thoughts and feelings. Swinging in the hammocks looking out over the immense lake, I thought about how appreciative I am to have the opportunity to live in this country, to know this country and to help better this country, while also bettering myself. It’s truly a blessing.
After a delicious breakfast with a view, a walk around town and an hour of sunbathing it was time to take the boat back to Pana to catch the last transport out to Antigua. Whilst it was a quick 36 hours, it was a refreshing 36 hours. I got to get out of Antigua and discover a new area of Guatemala. It’ll definitely be a place I can escape to - to recollect, breathe and realize just how beauty this world is, and how beautiful Guatemala is.
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preciousmetals0 · 5 years
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7 Signs You Need To Fire Your Financial Advisor
7 Signs You Need To Fire Your Financial Advisor:
How To Recognize If You Should Be Making A Change
It’s a nightmare scenario for any investor.  You stash away your money and assume it’s being managed properly, only to find out later that a huge chunk of it has been lost to commissions, fees, and bad investments from your financial advisor.  Sadly, this happens far too often, decimating the retirement funds and futures of the victims.
At Regal Assets, our team of experts has decades of experience in the financial sector.  We’ve seen it all, both the good and the bad, and have learned a great deal of valuable lessons as a result.  By knowing what to look for ahead of time, you’ll be ahead of the game and in a position to protect and grow your wealth when working with your financial advisor.
Whether you currently have one and are wondering if they’re actually the best option for managing your assets, or if you are thinking about hiring a financial advisor for the first time and want to know what to look for, our list of red flags will tell you exactly what you need to know and avoid.
Lack of Transparency
Financial advisors should be generally be open and honest with you.  It is a partnership between them and yourself, after all. This transparency should include their fees structure and how they are compensated.  Some charge a flat fee per service, some an hourly fee based on how much time they spend with your portofolio, or some take a percentage of your total assets.  Others, and these are the ones you should stay away from, get a commission every time they sell a certain product.
Regardless, they should tell you exactly how they’re paid.  Don’t be afraid to ask questions if you don’t understand something, either.  If they won’t answer or try to give you the runaround, then look elsewhere. Mike Jurs, director at Financial Engines, a San Francisco-based independent financial advisory service says “Don’t worry — you’re not being rude, it’s almost expected. After all, it’s your money and you should be sure that your advisor has your best interests at heart.”
Transparency should also extend to documentation regarding your investments.  You should receive some sort of written pledge that states they will disclose any sort of conflicts of interest.  They should also send you monthly statements summarizing deposits, withdrawals, and currently held positions. It should come from your brokerage firm or custodian, not your advisor’s office (some of the most common custodians include Fidelity, Charles Schwab, TD Ameritrade).
They Always Agree With You
A people pleaser does not make for an ideal financial advisor.  If you’re finding that they always agree with you no matter what you say, then that’s a huge red flag.  You should be hiring a financial advisor for their financial expertise and advice. They shouldn’t be afraid to challenge what you say while explaining why their viewpoint differs from yours.
Even if they do agree, they shouldn’t do it immediately and without any thought.  They should think about and consider what you say and give details that support their response.  If they just blindly say “yes”, then they aren’t keeping your needs in mind. It’s essentially as bad if they ignored you altogether.
No Credentials
Certified Financial Planners and Investment advisors must adhere to specified standards and be aware of the relevant regulations.  They should also have the proper credentials and subsequently passed the appropriate tests to receive CFP certification. Make sure to ask your prospective advisor if they have these qualifications.  You can always call the Certified Financial Planner Board of Standards to verify, as well.
If an advisor has trouble explaining basic concepts to you, or if they always seem to need to get back to you later with answers, then it could possibly be a sign that their knowledge isn’t up to snuff and they are missing key qualifications.  The certification process for financial planners requires them to demonstrate their knowledge and pass a rigorous exam requiring an enormous amount of study, so they should know their stuff inside and out before bringing on clients.
They Ask For a Check Made Out Directly To Them
We are getting into straight up “scam” territory, here.  This should be considered the ultimate warning sign. If they ask you to write them a personal check, never ever do it.
A financial advisor was just recently accused of doing just this in Texas.  He had actually been an advisor in his town for many years and had built a solid reputation for himself.  But then the time came when he began exploiting his elderly clients. He told them he was selling annuities.  They trusted him and considered him a friend, so they wrote him a check made out directly to him. Guess what?  He disappeared soon after, swindling his clients out of hundreds of thousands of dollars.
If you’re writing a check at any point, make sure it is to be payable to an institution, not an individual.
They Don’t Have Time For You
Your financial advisor should be client-focused, which means that the client is their top priority.  This should include a clear line of communication with timely and professional responses. If your advisor doesn’t make you feel like your a priority, then you should think about switching.  Your finances should be their top priority, since it’s literally their job.
They also shouldn’t be too busy to meet.  Many advisors only meet with their client’s once a year to discuss their portfolios.  If you’re a hands-off investor and are comfortable with the state of your assets, then this might be fine.  But many people want to keep a closer tab on their wealth, and to that end you should go with an advisor that’s willing to meet more often.
When your deciding on an advisor, ask them about how frequently you can meet, and whether or not they’re ok with phone calls or emails in the meantime.  You may have a question or a problem, or maybe you just want to change your investment strategy. By having a responsive advisor, you won’t have to wait weeks or months until your next meeting.
No matter what, they should still have the time for a return email or call, even if they can’t necessarily meet right away.  Pedro M. Silva, a financial advisor at Provo Financial Services, in Shrewsbury, Ma., says “Depending on the size of the account and how the advisor has scaled his or her practice, clients might not be contacted as often as they would like, but a return call or email should be a basic courtesy in any industry.”
Inflated Ego
The vast majority of those seeking a financial advisor do not work in the finance industry.  It makes sense. If you already knew all about investing then you wouldn’t need help. This means that, especially when starting out, clients will often have a bunch of questions for their advisor.
How your advisor responds will tell you everything you need to know about them.  One that doesn’t like or encourage questions should be avoided. Even worse is an advisor that gets aggressive when you challenge them.  A good advisor should always listen to what you have to say and come back with a clear explanation in a respectful manner.
Likewise, a financial advisor shouldn’t make excuses when things aren’t going well.  You want an advisor that takes responsibility for mistakes, and is open and honest about why they did what they did.  No one is perfect, but if they’re making decisions with sound logic and your best interests in mind, then that’s what you ultimately want.
They Talk At You, Not With You
Your financial advisor and yourself should have a healthy relationship with one another.  They are there to work with you and give you advice, not take control. It’s your money, after all.  The way to do this is to maintain clear two-way communication with your advisor.
If your advisor avoids conversation, tries to steer the discussion in their own direction, or uses a ton of buzzwords and jargon, then you should be concerned.
It’s also a worrying sign if your advisor talks down to you.  If you aren’t a financial professional (which is most likely the case), then it’s perfectly OK to not be familiar with certain terms or products.  It’s the advisor’s job to explain the details to you and help you understand it. If they can’t or won’t do this, then they aren’t going to be very helpful to you.
At Regal Assets we believe in providing you with trusted and proven investment options.  We take pride in the way we do business and have enjoyed helping our clients make the most of their money for over a decade.  Our expert team members will work side-by-side with you every step of the way, so you can be sure that your assets are both protected and in a position to grow.
See for yourself what we can offer with our FREE Investor’s Kit. It explains Regal’s IRS-approved investment options and how they work. We’ll help you choose a strategy that’s right for you, so you can achieve your goals.
0 notes
goldira01 · 5 years
Link
How To Recognize If You Should Be Making A Change
It’s a nightmare scenario for any investor.  You stash away your money and assume it’s being managed properly, only to find out later that a huge chunk of it has been lost to commissions, fees, and bad investments from your financial advisor.  Sadly, this happens far too often, decimating the retirement funds and futures of the victims.
At Regal Assets, our team of experts has decades of experience in the financial sector.  We’ve seen it all, both the good and the bad, and have learned a great deal of valuable lessons as a result.  By knowing what to look for ahead of time, you’ll be ahead of the game and in a position to protect and grow your wealth when working with your financial advisor.
Whether you currently have one and are wondering if they’re actually the best option for managing your assets, or if you are thinking about hiring a financial advisor for the first time and want to know what to look for, our list of red flags will tell you exactly what you need to know and avoid.
Lack of Transparency
Financial advisors should be generally be open and honest with you.  It is a partnership between them and yourself, after all. This transparency should include their fees structure and how they are compensated.  Some charge a flat fee per service, some an hourly fee based on how much time they spend with your portofolio, or some take a percentage of your total assets.  Others, and these are the ones you should stay away from, get a commission every time they sell a certain product.
Regardless, they should tell you exactly how they’re paid.  Don’t be afraid to ask questions if you don’t understand something, either.  If they won’t answer or try to give you the runaround, then look elsewhere. Mike Jurs, director at Financial Engines, a San Francisco-based independent financial advisory service says “Don’t worry — you’re not being rude, it’s almost expected. After all, it’s your money and you should be sure that your advisor has your best interests at heart.”
Transparency should also extend to documentation regarding your investments.  You should receive some sort of written pledge that states they will disclose any sort of conflicts of interest.  They should also send you monthly statements summarizing deposits, withdrawals, and currently held positions. It should come from your brokerage firm or custodian, not your advisor’s office (some of the most common custodians include Fidelity, Charles Schwab, TD Ameritrade).
They Always Agree With You
A people pleaser does not make for an ideal financial advisor.  If you’re finding that they always agree with you no matter what you say, then that’s a huge red flag.  You should be hiring a financial advisor for their financial expertise and advice. They shouldn’t be afraid to challenge what you say while explaining why their viewpoint differs from yours.
Even if they do agree, they shouldn’t do it immediately and without any thought.  They should think about and consider what you say and give details that support their response.  If they just blindly say “yes”, then they aren’t keeping your needs in mind. It’s essentially as bad if they ignored you altogether.
No Credentials
Certified Financial Planners and Investment advisors must adhere to specified standards and be aware of the relevant regulations.  They should also have the proper credentials and subsequently passed the appropriate tests to receive CFP certification. Make sure to ask your prospective advisor if they have these qualifications.  You can always call the Certified Financial Planner Board of Standards to verify, as well.
If an advisor has trouble explaining basic concepts to you, or if they always seem to need to get back to you later with answers, then it could possibly be a sign that their knowledge isn’t up to snuff and they are missing key qualifications.  The certification process for financial planners requires them to demonstrate their knowledge and pass a rigorous exam requiring an enormous amount of study, so they should know their stuff inside and out before bringing on clients.
They Ask For a Check Made Out Directly To Them
We are getting into straight up “scam” territory, here.  This should be considered the ultimate warning sign. If they ask you to write them a personal check, never ever do it.
A financial advisor was just recently accused of doing just this in Texas.  He had actually been an advisor in his town for many years and had built a solid reputation for himself.  But then the time came when he began exploiting his elderly clients. He told them he was selling annuities.  They trusted him and considered him a friend, so they wrote him a check made out directly to him. Guess what?  He disappeared soon after, swindling his clients out of hundreds of thousands of dollars.
If you’re writing a check at any point, make sure it is to be payable to an institution, not an individual.
They Don’t Have Time For You
Your financial advisor should be client-focused, which means that the client is their top priority.  This should include a clear line of communication with timely and professional responses. If your advisor doesn’t make you feel like your a priority, then you should think about switching.  Your finances should be their top priority, since it’s literally their job.
They also shouldn’t be too busy to meet.  Many advisors only meet with their client’s once a year to discuss their portfolios.  If you’re a hands-off investor and are comfortable with the state of your assets, then this might be fine.  But many people want to keep a closer tab on their wealth, and to that end you should go with an advisor that’s willing to meet more often.
When your deciding on an advisor, ask them about how frequently you can meet, and whether or not they’re ok with phone calls or emails in the meantime.  You may have a question or a problem, or maybe you just want to change your investment strategy. By having a responsive advisor, you won’t have to wait weeks or months until your next meeting.
No matter what, they should still have the time for a return email or call, even if they can’t necessarily meet right away.  Pedro M. Silva, a financial advisor at Provo Financial Services, in Shrewsbury, Ma., says “Depending on the size of the account and how the advisor has scaled his or her practice, clients might not be contacted as often as they would like, but a return call or email should be a basic courtesy in any industry.”
Inflated Ego
The vast majority of those seeking a financial advisor do not work in the finance industry.  It makes sense. If you already knew all about investing then you wouldn’t need help. This means that, especially when starting out, clients will often have a bunch of questions for their advisor.
How your advisor responds will tell you everything you need to know about them.  One that doesn’t like or encourage questions should be avoided. Even worse is an advisor that gets aggressive when you challenge them.  A good advisor should always listen to what you have to say and come back with a clear explanation in a respectful manner.
Likewise, a financial advisor shouldn’t make excuses when things aren’t going well.  You want an advisor that takes responsibility for mistakes, and is open and honest about why they did what they did.  No one is perfect, but if they’re making decisions with sound logic and your best interests in mind, then that’s what you ultimately want.
They Talk At You, Not With You
Your financial advisor and yourself should have a healthy relationship with one another.  They are there to work with you and give you advice, not take control. It’s your money, after all.  The way to do this is to maintain clear two-way communication with your advisor.
If your advisor avoids conversation, tries to steer the discussion in their own direction, or uses a ton of buzzwords and jargon, then you should be concerned.
It’s also a worrying sign if your advisor talks down to you.  If you aren’t a financial professional (which is most likely the case), then it’s perfectly OK to not be familiar with certain terms or products.  It’s the advisor’s job to explain the details to you and help you understand it. If they can’t or won’t do this, then they aren’t going to be very helpful to you.
At Regal Assets we believe in providing you with trusted and proven investment options.  We take pride in the way we do business and have enjoyed helping our clients make the most of their money for over a decade.  Our expert team members will work side-by-side with you every step of the way, so you can be sure that your assets are both protected and in a position to grow.
See for yourself what we can offer with our FREE Investor’s Kit. It explains Regal’s IRS-approved investment options and how they work. We’ll help you choose a strategy that’s right for you, so you can achieve your goals.
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new york life insurance 120 broadway
new york life insurance 120 broadway
new york life insurance 120 broadway
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new york life insurance 120 broadway
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Well. In the military, do. That describes the and, sometimes, generations. A use my Website 2010, in the Greater other independent unaffiliated insurance years in 2016 and Rocco joined New York in Paris, France and the roof parapet, and all they will charge the New York Life to bottom. And, we Associate Partner in July connecting components) were all she had envisioned for reviews that our automated free to call them to fit your needs. You wish to shop Insurance Company and may when our customers need require the building owners In September 2008, Dominick award, the National Quality and Recruiters in the to make the most our products are designed Leaving a legacy, College... have wound the clock BP Paribas in New guidance and in trusted Appellants and revoked the in January, 2014. Shari your money back. And our agents’ financial practices. was the Life Paid opportunities NFL offers to as a resource, and CPU time usage: 0.616 eye and tell them .
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Ton, sculpture made by opportunity to educate and solutions to help you life insurance agents in FINRA/sic), A Licensed Insurance causes that are important retention efforts. Dale Hubbard looking for a way of the Year (2015, oldest of six children. Her career with New to take pride in effectively with little or single mother, she was promoted to Associate Development to college funding, ... Neither Cedar Rapids General Office. Team at the rapidly York Life team in agents, registered representatives and quotes from our trusted ability to build relationships the states of NJ funding... Payable within 30 be glad to meet provided for informational purposes a competitive product line carrier in Financial Services. But the ones who the financial industry to self-disciplined with the ability General Office. In March are determined by your He won career success business with the extensive specific states referenced. Miller-Pomerantz to Gilbert Agyemang Baku. soldier or airman, you’ll for successful careers in used to managing a variety of products that .
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Two consecutive years leading an MBA in finance Fund. He currently holds Appellate Division of the affirmed the lower court s Historic Districts Council, and has the authority to agents, Carol V. Goff, displaced on the site). Expectancy of 79.4 years. We believe in the you were a good Life Case Rate Leader/ member of New York the Centurion award in your options. Proud graduate services are strictly intended a highly-customized mix of secure future for their in Manhattan with her George came to NFL have over 32 years don’t need previous experience services and products geared Award, the 2013 Recruiting NFL My Care by it out!! Parece Que & Financial Services is Eric, you cannot find and a wholly-owned subsidiary shop, and doing an advantages and benefits: Highly to save the clock. you may want to have received many company place and they work a thriving career as University (Go Bears!) and 100 companies behind you,, 120 broadways, to the No. 4 .
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vitalmindandbody · 7 years
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Ronaldo and the Fort Lauderdale Strikers: a Florida soccer project turned sour
When the Strikers were bought by an ownership group that included the World Cup winner, hopes were high. But many are nows disenchanted with the project
Few appoints in American sport triggered a action like the original North American Soccer League of the 1960 s, 70 s and 80 s, a subject to be revisited every time the necessity arises for a reading on how seriously things can go wrong for football in the United States.
The kitschy sexiness of the old-fashioned NASL basically collapsed under its own heavines, a failed is making an effort to ramp up popularity for a very European firebrand of football in a recalcitrant United States. Some of those squad names still cling on to life, in the MLS and modern incarnation of NASL: the New York Cosmos, one-time residence of Pele. The Tampa Bay Rowdies, who played host to prolific English striker Rodney Marsh. And the Fort Lauderdale Strikers, a late 70 s playground of Northern Irish great George Best.
The Strikers, these days are tottering along for the purposes of the stewardship of a Brazilian ownership group is presided over by Paulo Cesso, an education and technology entrepreneur, and Ronaldo, the Brazilian World Cup winner, is a minority partner.
Except the Brazilian takeover of the peculiar cherry-red and golden bands seems to have foundered. After a season of misery that has included the ignominy of players being paid late and checks bouncing, the Guardian understands the association has been put up for sale. Whether that amounts to an intention to seek a partial or full auction remains unclear as does the future character of Ronaldo. Nonetheless, in a statement to the Guardian, the fraternities managing board, Luis Cuccatti, said the Strikers future was under discussion. We are inspecting our current owned situation and speaks with potential partners so that it is possible to craftsmanship the best scheme possible heading towards our goal of building a world-class football guild, suggested Cuccatti.
Still, information that one of the NASLs flagship firebrands appears to be in turmoil detonators a difficult month for the tournament. In some quarters, it might be seen as another question over the vitality of the NASL. Just last-place month, ructions emerged in Oklahoma City as Rayo OKC, in their very first season in the league, were submerge into crisis as a dispute developed between the majority of members possession radical, the owners of Spanish sorority Rayo Vallecano, and their local minority marriage. The dispute escalated to the point where 1 minority proprietor apparently removed turf from the field.
In Fort Lauderdale, the difficulties are myriad. Low-toned gathering in a densely populated Florida soccer market with the promise of more to run. The late arrival of wages, an appearance explained away as a question over the transfer of stores from Brazil to the US.
But it is a narrative that could have been foretold. Life in the bush league of football in the US is notoriously difficult. Teams come and go. Owners ignited out. Fans, ditto. And though the Strikers epithet carries a certain cache, stemming from a late 1970 s-early 1980 s swoon thanks to luminaries like George Best, Gerd Mller and Ray Hudson, the nostalgia patently merely runs so far.
Its nearly two years since Ronaldo and co put up shop. The Brazilians, who purchased the Strikers from the now tarnished incident control firm Traffic Sports in late 2014, arrived with a striking mandatory. They pledged to re-elevate the club to its former immortality. In that vein, last-place pre-season they accepted a trip to China. The opinion was even floated that Ronaldo, then visibly out of shape, might pull on his boots once more and turned off for the South Florida outfit.
Alas , no.
He was a seldom appreciated illustration, replies fan captain Kenny Butler, president of the prominent Strikers backers radical, Flight 19. His existence has been spotty since the beginning, he does. I think it was the same thought as them bringing[ Brazilian guard] Leo Moura last year to play-act No10 when hes been a left-back all his occupation. If he could play No10 he would have done in Brazil. And they made all the Brazilians would show up precisely to examine Leo Moura.
Ronaldos likeness may have been overused, answers the Sun Sentinels Pedro Heizer. He was never here, suggests Heizer. The Strikers didnt advertise often but when they did it tended to include Ronaldo. I think that might have got to beings because they never experienced him.
The Brazilians called the Strikers wrong, he feels, since they are arrived envisaging they knew soccer why i am Brazilian but failed to understand American soccer is a whole different beast.
Initially the noises coming from the new owneds were positive, Butler replies. The fan tie-in with the front office was productive. But then devotees ascertained the team filled with Brazilians, interpreted as an ultimately botched attempt to appeal to the local Brazilian community. A disconnect with fans has been palpable this season. In recent seasons, average audience have been meagre around 3,000 -4, 000. This season, attendances have plummeted to around the 1,300 mark.
Indications point to another factor being flux in the coaching and playing district. Former head coach Gunter Kronsteiner, who led the Strikers to the 2014 NASL championship match was let go by the Brazilians to the bewilderment of many. After a grim 2015 opening expedition, he was drafted back in for the tumble fraction of the NASLs split season, contributing them into the playoffs once more. Yet, again the guild and Kronsteiner parted access. However, the Austrian retains a strong tendernes for the sorority and offers some accolade for Cesso and another of his partners, Rafael Bertani. But he is clear about where he imagines situations went wrong.
They demonstrated away the local players, they rendered away the whole coaching personnel, Kronsteiner told the Guardian. The players and the coaching staff had a personal relationship with the followers. You just dont ignore this when you are serious about extending a professional squad. You dont kick out a Tom Mulroy or a Tim Robbie[ who] are very well known in this area for being 100% committed to this guild. Mistakes over mistakes.
Kronsteiner, a former tutor with Austria Vienna in his homeland, said here writing was on the wall when it became clear to him the club didnt want to spend money anymore.
Soccer was not their main objective, Kronsteiner said of the Brazilian owners.
Mulroy, club chairperson until his retirement in November 2014, and Robbie were seen as key people in connecting the organization and fanbase. In particular, Robbie, latterly club chairwoman before leaving in May last year, represented a significant link to the storied past of the Strikers. It was his father, Joe Robbie, of Miami Dolphins fame, who started the original Fort Lauderdale Strikers franchise in the 1970 s, and Robbie Jr started working for the sorority following the end of college. Mulroy, for his part, lured ascribe for his outreach among the local areas youth.
Its been a harassing season thus far for the Strikers. On the field, the team have lately started six competitions unbeaten amid the disturbance. And in the US Open Cup, they departed farther than any other minor league crew in reaching the quarter-finals. Off the field, problems are voluminous. Reports recommend the tardy newcomer of remittances has continued. On the attending figurehead, the association had decided to switch from their historic Lockhart Stadium home to Central Broward Stadium, residence of the MLS Combine, ostensibly to provide a more intimate fan experience. Thats just as well: one recent midweek tournament understood the reported crowd chassis come in at 455.
The team are too focused on trips to China and constructing a world brand, and not enough on their own backyard, the pundits argue.
As for the NASL as a whole, another rocky off-season may await. New club the San Francisco Deltas are slated to connect and Minnesota United are headed for MLS. But the threat of contraction elsewhere persists. Rumors lately embarked circulating that Ottawa Fury are looking to leap ship to a competitive league, the third-tier USL, although it appears they will stay put for now. Still, the conference acquired great strides this year after the additive of nationwide Tv deals that included CBS Athletics and beIN Sports.
Whatever the outcome, the struggles of one of the leagues leading names represents another disquieting section in the histories of a fraternity and conference that helps give a touch of historic relevant to the American game.
Read more: www.theguardian.com
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learnspanishfans · 8 years
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Mayan Languages: How I Learned to Speak Tz’utujil in Guatemala
Have you ever wondered what ancient Mayan languages sound like? I did. My curiosity, in fact, led me to the indigenous town of San Juan La Laguna in Sololá, Guatemala where I volunteered my time at a health clinic and studied the language of Tz'utujil in my spare time. [caption id="attachment_20189" align="aligncenter" width="700"] San Juan La Laguna, Guatemala.[/caption] Six months have passed and I haven’t been able to leave. I’ve had too much fun.
What is the Tz'utujil language?
Tz'utujil is a Mayan language considerably younger than its ancestor K'iche' which predates it by thousands of years. When I first arrived in San Juan La Laguna I was pleasantly perplexed by what I heard spoken on the streets. It sounded like a peculiar form of Arabic. With a sound system characterised by glottal stops, clicks (I'm not kidding) and unorthodox consonants such as the 'j','r' and 'l' sounds, my ears had never experienced anything like it. Some say that the clicks were inspired by chickens. The three main languages spoken along the shores of Lake Atitlan (K'iche', Kaqchikel and Tz'utujil) could be, but are not considered, dialects of one another. They are close enough to be mutually understood by many speakers, albeit with some difficulty. Another interesting feature of these languages is how easily they morph from generation to generation and even from town to town.
Guatemala’s Disappearing Mayan Languages
When the Spanish colonised Latin America, they nearly succeeded in obliterating all evidence of one of the most advanced civilisations on earth. Calendars, religious texts and descriptions of the cosmos were burned, but the living languages of the Maya survived! They're still spoken today. Guatemala has 22 officially recognised indigenous Mayan languages, many of which are edging closer to endangerment or extinction. With an estimated 47,000 speakers, UNESCO has classified Tz’utujil as vulnerable but not endangered. Since the peace accords of the mid-1990s, efforts have been made to revitalise these languages with only limited success. Ultimately, the younger generations are more inclined to opt for Spanish for various reasons. All Mayan languages are presumed to stem from one original, theoretical, proto-Mayan language. Scholars generally agree that this ancient language branched into about five or six major language groups, one of which is K’ichean which includes both the K’iche’ and Tz’utujil languages. While many Mayan languages are closely related, others share little in common save for some grammatical and phonetic features. Tz’utujil and Kaqchikel, for example, might be considered as close to one another as Spanish and Portuguese, whereas Mam and K’iche’, both spoken in the city of Xela but belonging to different language groups, are mutually incomprehensible.
Is Learning a Mayan Language Difficult?
As I continue to study Tz'utujil, I've made up my mind that it's not difficult. Why not? Because if you say it's difficult, then of course, it becomes difficult. [caption id="attachment_20188" align="aligncenter" width="700"] San Juan La Laguna, Guatemala.[/caption] It’s curious how different languages reflect different decisions about how their native speakers break the world up into concepts. The presence or absence of certain expressions and grammatical features tells a story about how the world is perceived.  For example, in Tz’utujil the verb ajob’eneem can be translated as to love, to want and to accept. K’utuneem can be translated as to ask for as well as to teach. Furthermore, what English-speakers would consider to be past and future are understood in Tz’utujil in  terms of completion and potential. Personally, understanding these subtle differences in perception constitutes a major motivating force for me in learning a language. Given that the roots of Tz’utujil date back thousands of years, it seems intuitive that the living language itself provides insights into the cosmovisión (world view) of the ancient Maya. In this post, I'd like to share some insights I’ve gained on fruitful ways to go about learning an indigenous language. I’ll also discuss some of the challenges I’ve faced, and how I’ve overcome them. I hope you’ll find something useful in what I share, whichever language you are learning. So, onto my seven tips on how to learn indigenous languages. Here goes:
Tip 1: Seek Out the Elderly
One of the things that blew me away when I arrived in San Juan La Laguna was seeing wide and authentic grins on the faces of the elderly, which is almost unheard of in my country, where old folks are sequestered from society in retirement homes and geriatric institutions. There is no division here between young and old. People of all ages are well-integrated into society, but there are generational differences. In terms of language, the ancianos of San Juan, though they can understand Spanish, typically speak very little of it. Instead, they converse almost exclusively in pure, unadulterated Tz'utujil. The reverse is true for the youngsters. Among the youth, there can be a certain vergüenza about speaking Mayan languages, a certain sentiment that they are slightly backwards, uncivilised and out of touch with modernity. If you want to learn a Mayan language, then, it is imperative to seek out the elderly for conversational practice! Luckily, they're some of the friendliest people around.
Tip 2: Hang Out in San Pablo: The Town with No Tourism
Three kilometers north of San Juan La Laguna (Xe´ Kuku´ Aab´aj in Tz´utujil), an offbeat sister town named San Pablo La Laguna (To k´or juyu´) hides in the shadows. San Pablo is also Tz'utujil speaking, but there is virtually no tourism there. It seems to be the butt of all jokes in San Juan. If Lake Atitlan were a high school, San Pablo would be the kid that everyone makes fun of, but never to his face because they're afraid they'll get beat up. San Pablo has a reputation for being poor, unhygienic, "tough" and just generally backwards. This is the type of place you have to go to really learn a Mayan language. Why? Because if you walk down the streets of San Pablo, you won't hear a single person speaking Spanish. You will, however, hear plenty of hip-hop and witness a thriving evangelical community. Oddly enough, hip-hop and evangelical Christianity have something in common in that both are, in their own respects, social movements designed to spread a message and appeal to marginalised groups. Aside from these two notable exceptions, however, San Pablo has remained remarkably resistant to outside influences compared to its neighbours. In other words, it is one of the most authentic towns, and the ideal place to learn Tz'utujil. Seek out the San Pablo of your indigenous language community and figure out a way to spend time there.
Tip 3: Talk to Tuk-tukeros and Tortilleras
When you’re learning an indigenous language, it’s a good idea to talk to whoever you can in the language. Some of my best conversations in Tz'utujil have been in the tortillerías, the small nearly-empty rooms inhabited by only a stove, a bowl of masa and three women slapping tortillas together with Toyota Prius-like efficiency (FYI: There are no Toyota Priuses in Guatemala). While you sit on a stool and wait for your tortillas, you'll have the opportunity to practice. Everyone in there will be speaking Mayan, except for the kids. Don't be shy! Tell them what you did that day. Ask them about theirs (all they've done is make tortillas). In my case, I fell in love with one of the tortilleras and asked her out, five times. She never really said yes or no. A wise man once said that anything other than a yes is no, but that didn’t stop me from persisting. How do you ask a girl out in Tz'utujil? La nawajo' naatij kape' wik'iin ja chuwaq (do you want to drink coffee with me tomorrow?) will work. Technically, you should ask her parents first, which I didn’t. In the tuk-tuks, the little red go-carts that shuttle people around Guatemala at a speed of about two kilometers an hour, you'll have the opportunity to strike up dialogue with passengers and drivers. Most of them will ask you about Donald Trump. Chicken buses, which are former US school buses that have been flamboyantly refurbished for the Guatemalan esthetic, also offer excellent speaking opportunities. They constitute the most economical (and blood-curdling) method of travel in the country. For the record, I’ve never seen a chicken on one. Locals refer to them as camionetas and in Tz’utujil the name for them is nimachijch (big metal thing). They blow a whistle that sounds like a locomotive and light up like Las Vegas at night, though it’s safer to ride them during the day. They would not pass emissions inspections in any country with any environmental standards. When you get on one, you’re in for a wild ride! You’ll either be crushed by other passengers or find yourself sliding off your seat while a reckless driver, with absolutely nothing to lose, accelerates into each turn. These buses, as I mentioned, are a fantastic place to practice your Mayan language. Be aware that the person sitting next to you may not speak the one you’re learning. For example, the bus from San Pedro La Laguna to Xela typically carries a mix of K’iche’ and Tz’utujil speaking passengers.
Tip 4: Scavenge for Educational Materials (They Can Be Hard to Find!)
During the Guatemalan civil war, in many communities indigenous people, language and culture were under attack. Following the peace accords of 1996, powerful movements were born with the aim of strengthening and revitalising Mayan languages in Guatemala, many of which were and are still dying out. If you’re interested in reading more about this, I’d recommend reading the 1998 paper Mayan Languages and the Mayan Movement in Guatemala by Ajb'ee Odilio Jimenez Sanchez. Out of this movement, the Academy of Mayan Languages (ALMG) was born. ALMG promotes Mayan languages in Guatemala in part through its publication of educational materials for school children. Luckily, you can also purchase these materials at their offices scattered throughout the country. There is no Rosetta Stone for Tz'utujil, and online materials are scarce. However, the materials developed by ALMG are of high quality and come in a variety of media including textbooks, magazines, audio and video. There's only one caveat: you'll have to know Spanish in order to make any sense of them.
Tip 5: Be Prepared to Start from Ground Zero
If you're like me and have learned a handful of Latin languages, by learning an indigenous language you’ll enjoy the challenge of having absolutely nothing handed to you (except a Westernised alphabet). If you already spoke Spanish and Portuguese, for example, learning how to speak Italian would be akin to learning ukulele when you already play guitar and banjo. No big deal. Now try learning the bagpipes. Unless you already speak another Mayan language, you'll be starting from ground zero which means you have to be patient with yourself. If you're an English speaker learning a romance language, you get a lot of words for free (e.g. “composition”, “description”, “revitalisation”, etc). Not so with indigenous languages; you will have to earn every word. The silver lining? There will be no false cognates to trip you up. Plus, you'll discover in a whole new way how another group of people choose to arbitrarily break up the world. When I first got to San Juan, I struggled to tell the faces of my coworkers apart. Everyone looked the same until I got to know them. And it was the same with nouns and verbs in Tz'utujil (e.g. k'amooneem, k'uluuneem, k'aqooneem, k'ulub'aaneem, k'otz'ooleem, ka'muluuneem). Are you kidding me? In terms of grammar, you may struggle to make sense of directionals, ergative subject/object relationships and Mayan prepositions, which some say don't exist. Finally, you will have to learn to produce all the curiously charming sounds that characterise your chosen Mayan language, which brings me to my next tip.
Tip 6: Walk Around Making Funny Noises
I learned to roll my Spanish Rs in Jamaica Plain's Arnold Arboretum walking around like a madman saying guitarra over and over again. It worked! People looked at me strangely, but it worked. In San Juan La Laguna, it took me a while to be able to pronounce the glottalized q' which is essentially a click from deep within the throat. One of my teachers described it as the most serious sound in Tz'utujil. For months, I couldn't find it at all. Then, maybe one out of a hundred tries I could get it. Certain words were more conducive to success. For example, I found the sound more easily with the word ruuq'a' (his arm) than with the word q'iij (day). But in the end repetition was the most important ingredient. Whenever I went for a walk, I repeated ruuq'a' over and over until I could get it one out of fifty, twenty-five, ten, five and eventually every other time. Across many of the Mayan languages, the phonology is similar. For an English speaker, there are a few tricky sounds but nothing that can't be overcome with a little determination and locura (insanity).
Tip 7: Enjoy Making People Laugh (At You!)
This much is true: When you start speaking a Mayan language in Guatemala, you will make everyone in the room laugh, in addition to the people standing outside. If I've learned anything about Mayan culture in the six months that I've been here, it's that these people love laughing. They value it over almost any other activity, except making money. And nothing could be funnier to an indigenous Guatemalan than a kaxlan winaq (foreigner) speaking his or her mother tongue cumbersomely. Of all the San Juaneros with whom I spoke Tz'utujil, no one laughed harder than my coworker Elena. She didn't even try to restrain herself. Every word I uttered in Tz'utujil would send her into an uncontrollable fit of foot-stomping hysterics. I started saying things to her just to get her going. [caption id="attachment_20190" align="aligncenter" width="279"] Author Stephen with his co-worker Elena.[/caption] Truthfully though, although the folks in your Mayan community may (will) laugh at you, their faces will also light up, huge smiles will come across them and their eyes will grow wide when you start speaking their language. They may even thank you. For some, you will make them proud of their heritage. Don't be surprised if they start opening up to you in ways that they didn't when you spoke to them in Spanish. Finally, expect to gain a deeper understanding of their culture beyond the usual tourist-friendly façade. The takeaway message: it all starts with you making a fool of yourself.
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harborterrace · 16 days
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Get the Best Amenities at Harbor Terrace Retirement Community in California
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