Tuesday, July 18, 2017

US Wills and Powers of Attorney

State Specific Legal Forms Combo Pack for Husband & Wife


  We have recently repatriated to sunny SC.  So we found this straight forward set of legal planning tools.  An attorney wanted nearly $2,000 for these services.  Whew!

State Specific Last Will, Living Will and Power of Attorney for you and your Spouse.
COMBO for COUPLE     Price:  $58.00

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Saturday, June 10, 2017

PEMF- Improve your health!

Improve your health!

We just bought an affordable PEMF (Pulsed Electromagnetic Field) mat after two weeks of daily research. I tested one that cost $6,000, but it was a MLM (no thanks!)  After four days we felt our bodies are detoxing.  We feel really relaxed following our 10-20 minute morning session.  We change the setting to relax for our before bed treatment.

 PEMF Therapy offers beneficial bioeffects including:

• Promotes cellular health to improve wellness
• Pain and inflammation relief for improved quality of life, well-being and health
• Enhances the body’s self-healing abilities
• Supports and improves bone, tissue and nerve healing
• Boosts energy and athletic performance
• Improves circulation, oxygenation and immunity
• Improves detoxification and elimination
• Improves sleep, stress reduction and cognitive function
• Modulates inflammatory response, reduces oxidative stress, promotes cellular rejuvenation

• Non-toxic, no known side effects

    So look over their website PEMFsupply.com.  They offer a 90 day guarantee, so if your do not have good results, just return it (restocking fee). Look at the 3 minute testimony or 10 minute video.  It opens the cells to receive oxygen and nutrients so the body can heal itself.  If you decide to order use my dealer code"garyg" for a $50 discount (orders over $1000).

 Information on internet says it helps pain and joints  especially.  I am using it for my back problems.  It may help my body heal various issues, including heart problems.  It has been popular in Europe for 20 years, but only recently is becoming widely used in the US.


Tuesday, May 30, 2017

DiatomaceousmEarth

We just started adding this to our morning juice or raw organic protein shake based on a friend's recommendation.  The website explains how to use it.  DE is good for skin, nails, bones and hair.

Website:"this microscopic cylinder has a very strong negative charge. As these millions of cylinders move through the stomach and digestive tract, they may attract and absorb fungi, protozoa, viruses, endotoxins, pesticides, drug residues, E.coli, and heavy metals.
These are trapped inside the cylinder and passed out of the body. In addition, any larger parasites that happen to be in the stomach or digestive tract are dehydrated and pushed out via the bowl.  All of these activities result in a much healthier body with less sickness. We often hear the phrase “I just feel better” with our diatomaceous earth users. This better feeling comes from all the “junk” being removed from the body and by helping maintain a healthy immune system."
DE is very inexpensive and has many uses for humans and pets.  All natural and helps improve health without drugs, etc.

​Diatomaceous Earth: https://www.earthworkshealth.com
​    Rejoicing and improving,
           Gary​

Thursday, May 25, 2017

FBAR 2016

The nice government men request we tell them annually all about our foreign financial holdings.

  FBAR has changed to a new due date of April 18, 2016.  However since this is a change over prior years, there is an automatic extension to October 16.  You must file online using: 

  http://bsaefiling.fincen.treas.gov/main.html

Simply go to that link and follow the instructions.  You will be given an opportunity to click on why you are late.  I clicked "records not available".   

United States persons are required to file an FBAR if:
  1. the United States person had a financial interest in or signature authority over at least one financial account located outside of the United States; and
  2. the aggregate value of all foreign financial accounts exceeded $10,000 at any time during the calendar year reported.


 Due date for 2016 FBARs is April 18, 2017, but a six-month automatic extension of the filing deadline to October 16 is available without having to file a specific extension request. (Previously, the deadline for filing the FBAR was June 30, without regard to the due date of the filer’s income tax return, and no extensions were available.)  E-filing remains the order of the day. Rather than paper filings of old Form TD F 90-22.1, filers must e-file their FBAR, including any delinquent or amended FBARs for prior years, using the BSA E-Filing System. Filers must ensure that their FBARs are received by the due date. 

Thursday, June 16, 2016

Great View from Custom Condo $134,900

   SOLD !   Beautiful Condo Facing Large Park
   Convenient location just south of Centro, in walking distance.  Gringo style condo with 3 bedrooms, 3 full bathrooms, walk in closet,  laminate flooring, granite and tile kitchen, open living and dining area, pantry, spacious kitchen with large GE oven, many cabinets, newer refrigerator and dishwasher. Approximately 130 square meters or 1400 Sq feet.  Also has a bodega and garage space.  Good neighbors too.
   Large windows with good views in all directions, located two blocks from Solano and Remigio Crespo.  The neighborhood is quiet and close to Monte Sinai hospital, many restaurants, and bus stops.  Across from a large newly remodeled park and safe with 24 hour guards.  Two blocks south of Pizza Hut.  $134,900  Some furniture negotiable.   098-599 4299                             USA (828)367-4321










Saturday, May 28, 2016

2015 IRS FBAR report due June 30, 2016

                                 FBAR for fun and and protection?

The nice government men  request we tell them annually all about our foreign financial holdings. The Form 114  needs to be filed by June 30.  This year you must file it electronically.  Then you will receive a confirmation email from the IRS. Keep a copy for your records.  The gentle penalties can be up to half of your account balance (willful fraud)!

       Go to : http://bsaefiling.fincen.treas.gov/main.html
                     
You will see the official site with instructions.  
Click on   PDF form "Start now", 
If at any time during the year you have a total of over $10,000 in financial institutions (including Banks, Credit unions, Coops, etc.) you must file by June 30 (no extensions). Over $150,000 (joint return) requires a different form.

The Form 114 must show the highest balance for each account during 2015.

Note:  Form 114A does need to be filed.
   FinCEN form 114 (866) 270-0733
The IRS helps number for FBAR is (866) 346-9478

Friday, February 26, 2016

Cuenca Suite, a musical picture of our home



Cuenca Suite

Hello Friends!
During our first year in Ecuador in 2011, Sue wrote a piece of music entitled, “Cuenca Suite.”  She recorded it at Big Crowd Music owned by Pablo Lozano, recording engineer in Cuenca.

So, let's post it again to be refreshed.
Imagine running through green pastures with glorious sunlight, or up the “Cajas” near this beautiful city, Cuenca – OR perhaps listening to the rushing waters of the four rivers.  

Whatever – just hope you simply enjoy!


Monday, January 4, 2016

Acute Care, Long Term Care and End of Life Planning in Ecuador

Acute Care, Long Term Care and End of Life Planning in Ecuador
                             Five Documents: 
1.     A will (depending on complexity of estate)
2.     Power of Attorney (POA)
3.     Declaration for remains; register of death by blood relative
4.     Five wishes form describes instructions for survivors, burial, etc.
5.     Patient data form

The Ecuadoran system assumes that the patient comes from a large family and has many nearby blood relatives.  A blood relative is required for registration of death.  A blood relative does not includes the spouse.  A Health Care POA might serve this purpose.  Declaration for Remains may be included in your POA.

Hospital nurses may resemble aids in their training and practice.  They usually do not have access to patient records, prescriptions or current treatments.  They may visit the patient every hour or two.  Therefore it is necessary to have a friend in the patient’s room to monitor health.  Two POAs are preferred since they may be called upon at any moment to request patient care or obtain information.

The POA document must be in Spanish (with English copies).  Three originals of each are necessary to cover patient and two trusted friends to manage care.

The patient data form should include the following information:
       1.     Name and Cedula number
       2. Street Address with directions
       3. Phone numbers
       4.     Primary care physician with phone number
       5.     Specialist with phone number
       6.     Blood Type
       7.     Current prescriptions; any allergies to meds
       8.   Medical history:  Current and past
       9.    Family medical history if related to patient’s condition
      10.           POA #1 and POA #2 Name, Phone number and Address

If an ambulance is needed quickly, call a taxi.  The ambulance provider will slow things dramatically requiring much medical information on the phone and upon arrival.  If immediate life-saving procedures are essential, you may want to call the ambulance and provide the patient data form.


Death Registry may require a doctor certificate (death certificate), certificate or cremation or burial, declaration for remains, original Cedula and POA.

   As usual, verify all information with your attorney. Laws and practice are constantly changing.

Saturday, June 20, 2015

Quotes from Five Missionaries to Ecuador

                       Quotes from Five Missionaries to  Ecuador 

These quotes are from my earlier blog dated August 12, 2012

Nate Saint, while a maintenance crew chief in the Air Force, decided to become a missionary at a New Year's Eve church service in Detroit.
 
He wrote, “It was the first time I had ever really heard that verse, 'Follow me and I will make you to become fishers of men.' The old life of chasing things that are of a temporal sort seemed absolutely insane”.

After his discharge from the Air Force, he joined Mission Aviation Fellowship as a pilot.
 
While Ed McCully attended law school at Marquette University, he worked as a night-desk clerk at a hotel. During the slack hours before dawn he read the Bible.

He wrote, “On the way home yesterday morning, I took a long walk and came to a decision which I know is of the Lord. I have one desire now—to live a life of reckless abandon for the Lord, putting all my energy and strength into it... If there's nothing to this business of eternal life we might as well lose everything in one crack and throw our present life away with our life hereafter. But if there is something to it... Well, that's it”.

 Roger Youderian had jumped, as a paratrooper, into the Battle of the Bulge. He was decorated for his part in the fighting. In a letter to his mother he said, “Ever since I accepted Christ as my personal Saviour last fall and wanted to follow Him and do the will of the Lord, I've felt the call to either missionary, social or ministerial work after my release from the service.. . . I want to be a witness for Him and live following Him every second of my life”.

Youderian's call led him to work among the head-hunting Jivaros, and he developed a technique using drawings to teach them to read and write in their own previously unwritten language.

Youderian went through some deep physical and spiritual struggles, but, concerning divine guidance his diary records, “The Holy Spirit can and will guide me in direct proportion to the time and effort I will expend to know and do the will of God”.

 Pete Fleming had been converted at age thirteen through the testimony of a blind evangelist. When he chose to become a missionary, he had already earned his master's degree in literature and was majoring in philosophy at the University of Washington. Concerning his decision to go to Ecuador, he wrote, “A call is nothing more or less than obedience to the will of God as God presses it home to the soul by whatever means He chooses”.

As he decided to move from work among the relatively peaceful Quichuas to the warlike Aucas he said, “It is a grave and solemn problem; an unreachable people who murder and kill with extreme hatred. It comes to me strongly that God is leading me to do something about it, and a strong idea and impression comes into my mind that I ought to devote the majority of my time to collecting linguistic data on the tribe. ... I know that this may be the most important decision of my life, but I have a quiet peace about it”.

The fifth missionary, Jim Elliot, wrote to a friend mentioning his motive for being a missionary: “The command is plain; you go into the whole world and announce the good news.... To me, Ecuador is simply an avenue of obedience to the simple word of Christ. There is room for me there, and I am free to go.... The will of God is always a bigger thing than we bargain for”.

Elisabeth Elliot, now Through the Gates of Splendor

                                          Through the Gates of Splendor

     Elisabeth Elliot (1926-2015) has just past Through the Gates of Splendor.

She wrote the story of their mission to Ecuador after the death of her husband, Jim, in 1956.  It became one of the most inspirational  missionary stories of the 20th century. The book recounted the mission of her husband and four other American martyrs to bring Protestant Christianity to the remote Waorani (Huaorani) Indians. She returned later with her young daughter to live among the natives and share the gospel. One of his killers became a pastor!

    Jim's most famous quote is "He is no fool who gives what he cannot keep for what he cannot lose."

   Some of Elisabeth's quotes include: 
        "The secret is Christ in me, not a different set of circumstances." 
        "Money hold terrible power when it is loved." 
        "I have one desire now - to live a life of reckless abandon for the Lord, putting all my strength and energy into it."

   Her radio program inspired me in Asheville years ago.

                      Thank you, Elisabeth Elliot, for a life well lived!

Wednesday, June 10, 2015

IRS FBAR Form 114 for 2014

The nice government men  request we tell them annually all about our foreign financial holdings. The Form 114  needs to be filed by June 30.  This year you must file it electronically.  Then you will receive a confirmation email from the IRS. Keep a copy for your records.  The gentle penalties can be up to half of your account balance (willful fraud)!

       Or Go to : http://bsaefiling.fincen.treas.gov/main.html
                     

You will see the official site with instructions.  
Click on   PDF form Start now, 
If you have a total of over $10,000 in financial institutions (including Credit unions, Coops, etc.) you must file by June 30 (no extensions).

The Form 114 must show the highest balance for each account during 2014.

Note:  Form 114A does need to be filed.
The IRS helps number for FBAR is (866) 346-9478

Hope this helps,     Gary

Thursday, July 24, 2014


             It’s Hard to Keep Up!

    Ecuador, along with many places, is changing at an accelerating rate.
Changes in political winds, economic activities and cultural norms are storming in faster than the influx of new residents.

    Cuenca has a new mayor, changing regulations, new electric tram under construction, and many improved roads and bicycle lanes.  Restaurants, special art and entertainment venues are springing up constantly.

    So…let’s update our Ebook, Thriving in Ecuador. 

We just completed our annual update including several new items and making numerous revisions. We now have over 40 chapters and 100+ pages.

             If ya want a copy by email, just click to the right>>>

Thursday, June 19, 2014

File IRS FBAR forn 114 by JUNE 30

                               IRS FBAR Form 114

The nice government men  request we tell them annually all about our foreign financial holdings. The new Form 114  needs to be filed by June 30.  I suggest you file it electronically.  Then you will receive a confirmation email from the IRS. Keep a copy for your records.  The gentle penalties can be up to half of your account balance (willful fraud)!

Google IRS Form 114.       Or Go to :

You will see the official site with instructions.  
Click on  "BSA E-Filing System" (in red), click "Leave IRS site", click "Report FBAR", Click "Prepare FBAR".  Later click "file FBAR”
If you have a total of over $10,000 in financial institutions (including Credit unions, Coops, etc.) you must file by June 30 (no extensions).

The Form 114 must show the highest balance for each account during 2013.

Note:  Form 114A does need to be filed.
 
The IRS helps number for FBAR is (866) 270-0733

Hope this helps,     Gary


Monday, February 24, 2014

Trecer Edad!


                                ! Tercer Adad !
Yes, there is reason to celebrate getting older.  Tercer Edad (the third age)!

Now, at age 65, I can go to a separate line at the bank for seniors, handicapped, etc rather than wait in long lines.  Lan and Tame have half price tickets for air travel.  My property taxes and electricity bills (up to 120 kw/month) are also discounted after I endure the required procedures. Notaries may also give you half price on their expensive fees when buying a condo.
Best of all the 12% IVA (sales taxes) are refunded after registering at the SRI office.  The maximum monthly refund is $ 191.  The registration process requires:
 Visit the SRI (think IRS) office on Remigo Crespo, a block east of Loja Avenue.   It is the four story white building with the “smiley face” painted on the window.  Try arriving at 8am to avoid some of the crowds.  Bring something to read while waiting.  You will need original and copy or your passport and Cedula, a utility bill to prove you live here, and a bit of patience.
Get in line and proceed to the helpful guide who is bilingual.  Simple say “Tercer Edad” and he will give you a ticket number for your time at the Caja.  He will give you a bank registration form to take to your bank to certify that you have a local bank for direct deposit of your monthly reimbursement.
Take the bank form to the main bank office for signature.  Make a copy, then return to SRI  with all documents.  Your data will be entered into the computer and you will be given a form to fill out when you turn in your original receipts next month for reimbursement.  The receipts must have your cedula number and name on them.
Since my cedula ends with  a 1,2, or 3  I submit my receipts with the reimbursement form  during the first week of the month. Cedulas with a ninth digit of 4,5,6 submit on the 10 to 16 of the month; those ending with 7,8,9, or 0 submit on the 19 to 26 of month. 
Take your form upstairs to second floor to be edited before returning downstairs to caja 103 to turn it in.  You will also need a copy of your cedula, the Servicio de Renta Internas given to you when you first registered, and a copy of your Bank Registration form.  Your reimbursement will appear in your banco in a few weeks.  It may take longer the first time.   Whew!

Saturday, December 28, 2013

We are licensed to drive!

                  Ecuador Drivers License

We felt almost like teenagers this week when we showed our Ecuador drivers licenses to each other!

After all, we did pass the test in Spanish. And the process only took four months. Well, yes, our effort to get our NC drivers record apostiled took over three months. And mucho dinero.  The government website and friends confirmed this was necessary.  But in the end we simply tossed the apostile!

The exam has changed!  The sample 100 questions bought on the street by ANT no longer contain most of the questions.  You better learn many new words in Spanish (many are on the sample test).

How did we complete this amazing feat?  It only took seven offices and eleven steps!

   1. Obtain NC driving record to prove our USA license was valid.
   2. Have driving record translated in Cuenca.
   3. Get it notorized in Cuenca.
   4. Download and complete Formulario para Canje de Licencia de Conducir (see #7 below)
          You will need weight in kilos and height in centimeters (with two decimal points)
   5. Obtain green blood type card from Red Cross on Borrero  street in Centro. And a copy. 
   6. Make copies of your Cedula and US Drivers license (color). Take every document to every office!  Your original Cedula will be examined by everyone.
   7. Obtain two passport size color photos.
   8. Pass eye, hearing, Psychometric exams.  Currently located one block right off Don Bosco on Salado. (#6 below)
   9. Go to ANT office to get all documents approved and scanned.  Just moved to Ordinez Lasso, turn right at first light after Oro Verde Hotel.  ANT will tell you when you may schedule your exam (usually a couple of days, max of 30 days)
   10. Go to Paute (best service), Giron or Cuenca to take exam (Jeffe in office #5, approval in #4, exam downstairs, back to office #6, license photo downstairs, license finally printed upstairs.  You see why service is important to avoid confusion and delays.  Paute even allowed us to go near front of line for final step to avoid returning the next day!  This office is open Monday, Tuesday and Thursday from 8 to noon, but stayed open until 2:30 to complete our processing. The office is located in second floor of bus station near the river.
   11. After office #4 above,  go to bank two blocks north, then two blocks left to pay $48 and obtain receipt.  Entire trip with three short road construction delays and a great celebration lunch at Corvel in Paute only took 6 hours!

And they ask why Gringos do not have a car!

From my previous blog the requisites are as follows:

 1.  Original and copy of the original valid foreign drivers license.
2.  Original and copy of your ID documents such as cedula and censo. You receive these documents after you get your residency visa.
3.  Original certificate of authenticity.  This is a (apostilled?) document from your home state’s secretary of state office saying that your driver’s license is valid.  It must be translated into Spanish and notorized in Ecuador.
4.  Original and copy of your blood type.  You can get this at the Ecuadorian Red Cross for $2.50.
5,  Two photographs, facing, ID size
6.  Pass the psychometric exam ,eye and hearing tests, and the driving test ($38)  These are written, practical, and medical.  The psychometric exam is a coordination test. Cost $11.40
7.  Fill out the special request form which you get from the Transit office in Quito, or you can download it from the www.ant.gob.ec website.  ANT stands for Agencia Nacional de Transito in Quito.

I have added the websites and its details (in Spanish).

Print this form for application for drivers license:

http://www.ant.gob.ec/index.php/internacionales/homologacion/canje-de-licencia-de-conducir-extranjera-por-licencia-de-conducir-ecuatoriana-art-10-lotttsv

Government website for Transit Authority:  http://www.ant.gob.ec/



Tuesday, November 26, 2013

ObamaCare Penalty

                                  ObamaCare Penalty Clarified

In my previous post the individual mandate penalty for not enrolling in ObamaCare was described as $95 for an individual.  I omitted one important detail.  The penalty is actually the higher of $95 or one percent of your income!

Here is a summary of penalties (greater of):

   2014  Single $95 or 1%; Family $295 or 1%
   2015  Single $325 or 2% ; Family $975 or 2%
   2016  Single $695 or 2.5%; Family $2085 or 2.5%
The maximum penalty is capped at three time the individual penalty (eg:95 x 3 = 295). Penalties will be included in your annual income tax and enforced by the IRS.

So it's easy to see after 2014 the penalty (tax) gets very serious.

There are numerous exceptions and hardship exemptions. "Gaming" the rules is likely to occur. See the link to Forbes magazine below.

Please do you own tax research and plan accordingly.

There are two rules for exemptions for living out of the US. One is residence out of US for 330 days in any 12 month period. The other is the "Physical Presence Test" requiring you to live outside of the US for a complete year plus other requirements .

Further details are available at: http://www.forbes.com/sites/mikepatton/2013/10/28/obamacare-penalties-and-exemptions/

So that is another reason to promptly consider your plans for a possible new life internationally.

Saturday, October 19, 2013

Blood Moons, Last Days?

                Are we Living is the "Last Days?"

This Thanksgiving will fall on the same day as the Jewish Hannukuh  celebration.  This will never happen again!

But the real story are the four  "Blood Moons."

Four blood (full lunar eclipse) Moons coinciding with high Jewish holidays has only occurred three times during the last 500 years:
  1493- Jews were expelled from Spain while America (Freedom of Religion) had just been discovered
  1949- Israel Reestablished and won war of survival
  1967- Israel won the Six Day War.  Jerusalem became part of modern Israel.

Now we well see this happen four times is the next two years (confirmed by NASA)!
  15 April 2014 on Passover
    8 Oct 2014 on Feast of Tabernacles

Then a full solar eclipse

                  And again in 2015:
     4 April 2015 on Passover
   28 Sept 2015 on Feast of Tabernacles

It appears world history is about to change in some major way...

"The day of the Lord will be as when the sun refuses to shine"     Joel, chapter 2

"There will be signs in the sun and moon  and stars, and on the earth dismay among the nations, in perplexity at the roaring of the sea and the waves"    Luke 21:25
                    Here is the link:
www.video.foxnews.com/v/2746895256001/is-the-cosmos-telling-us-the-end-is-near/

Wednesday, October 16, 2013

Avoiding ObamaCare

                                Avoiding ObamaCare!

Many people are dreading the 2014 implementation of the "Affordable Care Act."    Not us expats.

The law states US citizens living outside the US for 330 days during any twelve month period are considered compliant to this law by doing nothing except non-residence. Also true of those living in US territories.

The rule is similar to the IRS reg that exempts our US earned income from income taxes (but not social security tax).

Your passport stamps indicate the time outside the US.  One minute in the US qualifies as one day.

If you do not qualify for an exemption in 2014, the individual penalty is the greater of $95 or one percent of income for the year (maximum of 3 times individual penalty).  However the penalty rises very sharply after 2014.

Additionally, major care will have to be delayed or rationed increasingly as we age. Adding 30 million people to coverage with no plan to increase MD's must reduce available care.

A recent article cited the present 90% recovery rate for US prostate cancer due to our rapid delivery of care.  That compares with the 53% recovery rate under government care in England (12-18 month waiting time).  Bureaucrats move slowly.

You may also consider internationalizing your medical care to obtain rapid, high quality and inexpensive care in Latin America or Asia. Come to Ecuador, Panama, Brazil, Mexico, Costa Rica to find many doctors trained in the US and Europe who speak English. Care in Asia may be found in Singapore, India, Taiwan, Thailand, etc.

Visit my post under "Medical Tourism" or a few ideas on routine care savings.

Monday, September 2, 2013

Charms of Cuenca


After almost 3 years of living in Cuenca, the best happening for us has been the people we meet.  The warm welcome of Cuencanas is part of the Latino charm which draws many Americans. In our daily routine, we continue to encounter new people that make our experience even more special.

This happened to us one recent Saturday morning.  While strolling down to La Esquina de las Artes ("The Corner") on Doce de Abril and Agustin Cueva, to purchase the homemade cheese offered each week, we entered one of the stores in the cluster of small businesses.  It just happened to be newly opened and the proprietor/owner was there.


The store (called Andrea Tello), is beautifully arranged and houses an array of jewelry, unlike anything you have probably seen in Cuenca.  It "caught our eye" immediately.  Not knowing this petite, lovely, attractive lady was the owner at first, we began to ask her about the jewelry.

She introduced herself as the designer and producer of all the fine jewelry we were gazing at with great interest.   After listening to the story behind this beautiful work of art, we discovered indeed, a beautiful gem:  Andrea Tello.

 Andrea Tello

I was drawn to a particular case of wondrously crafted earrings.  We begin to ask Andrea about these pieces.  This is when she shared her passion to preserve the culture and history of the indigenous people of this region.  Each piece she has created, represents flowers in which the indigenous women have sown into their dresses.

Below is a picture of four sets of earrings representing different kinds of flowers with special meanings.  Again, these flowers are sown into the women's unique, colorful indigenous clothing.


The first set of earrings is a design of a full flower representing a woman in the first part of her life. She has knowledge in natural medicines, respect for the flowers and their usage, and religion.  Many of the indigenous use the flowers in their daily living whether color for clothing, medicines, aromatics, etc.


The second set of earrings is a design representing the woman where the husband has migrated to the USA or Spain to work.  She is left behind to raise the children and handle all the family affairs including agriculture. Many of these women experience hard labor working in the fields in order to raise their families and preserve their lives.  They have a tough life dwelling in the Andes. 

In the third set of earrings shown above, the half flower represents one who is no longer single - she does not belong to herself but to her husband.  She is fine with this and has respect for her husband. 

The last set represents the flower meaning the woman had been raised with a little more money due to the father having migrated to work in another country.  Most of them had finished high school, can read and write, having  had more exposure to the world.

Andrea was born into a world and family of jewelry and is a 3rd generation jewelry lover.  Her grandmother, Imelda Cordova,  and parents, Miriam Guilen and Luis Tello, owned a jewelry store on Gran Colombia for 30 years called Joyeria Guillen.  While they did not craft jewelry themselves, they gained great experience through the years in purchasing stones and gems of all kinds.  She smiles with a twinkle in her eye, as she states her childhood includes growing up in the world of emeralds, rubies, and diamonds.
 
 Sue Gaither, Andrea Tello, Ma. Caridad Tello (Andrea's sister) & Miriam Guilen

Her gift of art, coupled with crafting this unique jewelry opened up a world for Andrea that has made her work known around the world.  The heart behind her work is as astounding as the pieces themselves.  At present, Andrea has employed 14 families in Cuenca, who have been trained by her to craft her designs. 

Until about five years ago, Andrea crafted and manufactured all of the designs herself.  But due to other countries now wanting to purchase her jewelry, it led her to open up a door for Cuencana families to be involved.

She is happy that she now can include other people in her endeavor, as it gives them an opportunity for employment.  It also gives them a sense of pride in their community and as well as in their work.  She takes about 3 to 6 months to train her employees at her home.  There they are also given the material to work with and asked to sign a "Comercio Justo" Agreement.  This states they will not copy her designs for resale.  She's had good experience with her employees and is honored to have these families work with her.

Andrea's first recognition for her work came in 2010.  One week before the event was to be held, someone told her of a competition hosted by UNESCO in Quito.  

 UNESCO (The United Nations Education, Science, and Culture Organization) is a specialized agency of the United Nations.  Its purpose is to contribute to peace and security by promoting international collaboration through education, natural sciences, social and human sciences, culture, and communication.  They give awards to and for handicrafts in countries around the world.  

In 2010's competition, Ecuador's Ministry of Industries and Productivity (MIPRO) participated with their entries among which Andrea's jewelry was presented.  Bolivia, Peru, and Venezuela were also countries represented at this event.  The entries included crafts of textiles, ceramics, wood, natural fibers and jewelry.  

Andrea received UNESCO's Award of Excellence for jewelry among fifteen, who were recognized in this competition.  This recognition was awarded to Andrea for excellence, authenticity, innovation, commercial potential, respect for the environment, and social responsibility.


After this first recognition from the prestigious UNESCO, she was invited to another premiere event in Lima Peru, where she was awarded as one of the best artisans in the country of Ecuador
In September of 2011, Andrea was invited to Paris, France to participate in the largest designer show in Europe.  At this show, major companies from around the world come to purchase products.  At the end of the event, Andrea had sold everything she brought to the show along with orders for more jewelry.    Also, there were movie producers and designers at this event and she was given the opportunity for further exposure to her unique creations.

After returning from Paris, she returned to Cuenca only to immediately return to Paris in November of 2011 to participate in the 10th Anniversary of Diversity Cultural in the World.  This event was hosted by and in the UNESCO Building in Paris.  This is the most prestigious affair since only the Prime Ministers from around the world were invited to attend - it was not open to the public.  Because of this honor, she now has received open doors for her jewelry in other countries.



In a whirlwind return to Cuenca, she was then invited the next month by the mayor of Jerusalem and traveled to Israel to give an exhibit there.  Andrea's collection was also included in an exhibition in the famous Lourve in Paris, France as pictured below.



In 2012,  the highest honor came for Andrea when she was named as one of the five best artisans in the world.  


There are other events Andrea has participated in since 2010, but now her traveling days have slowed tremendously.  She states that since her jewelry is now known in other countries and selling, she wanted to fulfill her dream to open a store in the city of Cuenca - a city she so loves. Again, her passion is to preserve the culture and history of Cuenca regarding the indigenous people - especially the four remaining:  Cholas, Cañarejas, Otavaleñas, and Zuletas.

Andrea also has a beautiful family - her husband, Pedro, and son, Pedro Daniel.  She wants to be here for them. Her son is now 8 years old and has already shown a unique "eye" to the world of creativity - as he likes to draw.  Andrea says though he is surrounded in the world of jewelry, he's still "all boy," for he loves sports!

Please go by her store located at "La Esquina de las Artes " on Doce de Abril and Agustin Cueva.   The store is open Monday through Friday from 10am to 2pm and 3pm to 7pm; and Saturdays, 10am to 6pm.  She currently has a sale in her store of some beautiful pieces with a 20% and 40% discount.
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And... if you mention to her that you read about her store on this blog, she will give you an additional 15% except for the new designs.

 Andrea and Sue

You will enjoy seeing her unique store and gorgeous jewelry creation.  Best of all, you will enjoy meeting God's lovely creation:  Andrea Tello.