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!