![](https://www.expat.com/images/default-pictures/cover-profil-profile_cover-t1458045135.jpg)
![MikeJosha](/images/avatars/default/avatar.png)
MikeJosha
American expat in Ecuador
Forum posts
15
About me
American
Lives in Baños, Tungurahua
Speaks Spanish, English, German
Registration: 04 April 2018
Activity
![](/images/avatars/default/avatar.png)
![Priscilla Priscilla](/images/avatars/default/avatar-user-deleted.png?1)
Payment methods in Ecuador by Priscilla
Hello everyone, Once youre settled in Ecuador, you will need to make some basic purchases, like groceries or pay bills. Hence, it is essential to know the payment methods available in your host country. Which are the most common payment ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
I have no love for banks, but years of experience with Pacifico, Pichincha, and Oscus Coop makes me say that my payments have been made without fail in Salinas, Baños , and Quito. Be aware that you are nicked with a small fee for service. I ... Read More
![](/images/avatars/default/avatar.png)
![Priscilla Priscilla](/images/avatars/default/avatar-user-deleted.png?1)
Payment methods in Ecuador by Priscilla
Hello everyone, Once youre settled in Ecuador, you will need to make some basic purchases, like groceries or pay bills. Hence, it is essential to know the payment methods available in your host country. Which are the most common payment ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
No, there is no facility to receive multiple payments. However, you may be able to pay yearly, as I do. Read More
![](/images/avatars/default/avatar.png)
![Priscilla Priscilla](/images/avatars/default/avatar-user-deleted.png?1)
Sending and receiving packages in Ecuador by Priscilla
Hello, As an expat, there are inevitably certain items you might want or need from back home, and around the holiday period, many people like to send gift packages. How easy is it to send and receive packages in Ecuador? Is the public ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
Good advise, however we have friends that have reliable inexpensive mail service. We dont personally use mail service but can find out details if anyone is interested. In Ecuador, we use Servi Entrega and bus services, and have never had a problem ... Read More
![](/images/avatars/default/avatar.png)
![Priscilla Priscilla](/images/avatars/default/avatar-user-deleted.png?1)
Bank loans in Ecuador by Priscilla
Hello, Finances and banking can sometimes be a headache for many expats, especially when it comes to taking out bank loans. Is it difficult for an expat to get approved for a bank loan in Ecuador? What are the types of bank loans available ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
I offer investment capital at 12%, and the whole country wants my money, including my banker at pichinchabank. That should tell something about rates. My investments are secured by title (escritura) only, and if I had a million dollars more, I ... Read More
![](/images/avatars/default/avatar.png)
![Priscilla Priscilla](/images/avatars/default/avatar-user-deleted.png?1)
Bank loans in Ecuador by Priscilla
Hello, Finances and banking can sometimes be a headache for many expats, especially when it comes to taking out bank loans. Is it difficult for an expat to get approved for a bank loan in Ecuador? What are the types of bank loans available ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
Ridiculous idea to borrow money here Read More
![](/images/avatars/default/avatar.png)
![Priscilla Priscilla](/images/avatars/default/avatar-user-deleted.png?1)
Bank loans in Ecuador by Priscilla
Hello, Finances and banking can sometimes be a headache for many expats, especially when it comes to taking out bank loans. Is it difficult for an expat to get approved for a bank loan in Ecuador? What are the types of bank loans available ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
Well said, excellent advise. We do not own a car and for 13 years have used taxis, buses, and private trucks. In general, this is the worst country (I have lived in 14 ), I have ever experienced for retail purchase, or car ownership. Fortunately, we ... Read More
![](/images/avatars/default/avatar.png)
![vsimple vsimple](/images/avatars/default/avatar-user-deleted.png?1)
Gallon of Super Gas (92 Octane) is now $2.98 by vsimple
This has received a tremendous amount of press and as of today the price of 1 gallon of súper gas is officially $2.98. Before the increase, it was selling between $2.10 - $2.32/ gallon. The increase is result of lifting of subsidies for this ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
Argentina, Venezuela, Turkey, India. ....watch the dominoes fall in what seems to be WW3, the money war. Better that than bullets, but watch out, and be prepared. Ecuador is not technically an emerging nation, uses the dollar as currency,and is ... Read More
![](/images/avatars/default/avatar.png)
![oceangoer oceangoer](/images/avatars/default/avatar-user-deleted.png?1)
overstayed and desperately want to return. help appreciated by oceangoer
Hi, i am from the uk.. this is my first post. to begin, i travelled to ecuador at the end of november last year 2017...i am in a relationship with an ecuadorian citizen..while i was in ecuador.. in guayaquil, we were both robbed at gun ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
The amount of money involved is not nearly enough to get yourself involved with an Ecuadorian lawyer. Take me seriously. Read More
![](/images/avatars/default/avatar.png)
![mugtech mugtech](/images/avatars/default/avatar.png)
Immigrants from Venezuela by mugtech
Just read that the national oil company, PDVSA, did not make an interest payment of over $400,000,000 on 11/22/16,. They do have a 30 day window, and supposedly some debt restructuring will free up more cash for interest payments. Since 95% of ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
Thank you for the response to our post. The conditions for so many in our world only serve to cause embarrassment calling myself human.Having studied history and culture for over 50 years, I see no change in the human condition. But, hey, I got ... Read More
![](/images/avatars/default/avatar.png)
![dfasoletti dfasoletti](/images/avatars/default/avatar-user-deleted.png?1)
Shipping a Truck from Panama to Ecuador by dfasoletti
Hello, We are relocating to Ecuador from California. We will be driving our truck and are looking at ways to ship it from Panama to Ecuador (or Colombia). We are having difficulty finding info/shipping agents to provide us with a quote. If anyone ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
Hi, We are here 12 years. Never claim to know everything about what is or is not possible in Ecuador, but our attorney friend in the Aduana, or agency concerning imports, advises against trying to import your vehicle. Ecuador is a very difficult ... Read More
![](/images/avatars/default/avatar.png)
![Julien Julien](/images/avatars/default/avatar-user-deleted.png?1)
New members of the Ecuador forum, introduce yourselves here - 2018 by Julien
Hi all, Newbie on the Ecuador forum? Dont know how to start? This thread is for you ;) We invite you to introduce yourself on this topic, to share with us your expat story if you are already living in the country, or to tell us more on ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
Good luck with your plans. We have been here 12 years. Any advise? Take a long vacation in Ecuador. After that, try some other places. Use International Living as paper to light your fire, not your way. We lived in many places before deciding on ... Read More
![](/images/avatars/default/avatar.png)
![Julien Julien](/images/avatars/default/avatar-user-deleted.png?1)
New members of the Ecuador forum, introduce yourselves here - 2018 by Julien
Hi all, Newbie on the Ecuador forum? Dont know how to start? This thread is for you ;) We invite you to introduce yourself on this topic, to share with us your expat story if you are already living in the country, or to tell us more on ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
Hi, It is interesting for us, new to this site, here in Ecuador 12 years, to read about the experiences others have. Thanks for the expat site. Read More
![](/images/avatars/default/avatar.png)
![Wanderlusting Wanderlusting](/images/avatars/default/man2.png)
Medications available in Ecuador (Cuenca)? by Wanderlusting
Hi all, My boyfriend and I are planning to come to Cuenca for 3-6 months and we would like to know about the availability of the medications below. Any information you can share on any of these, including (a) whether they are available at all in ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
That is good advice. ?? All the old guys I know here don't take drugs on a daily basis. So many "gringos" have a laundry list of pharmaceuticals. Best advice might be to put the American Medical association where we put all ... Read More
![](/images/avatars/default/avatar.png)
![Julien Julien](/images/avatars/default/avatar-user-deleted.png?1)
New members of the Ecuador forum, introduce yourselves here - 2018 by Julien
Hi all, Newbie on the Ecuador forum? Dont know how to start? This thread is for you ;) We invite you to introduce yourself on this topic, to share with us your expat story if you are already living in the country, or to tell us more on ...
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
We live in Rio Verde, Banos, Tungurahua. 12 years here. Lots of traveling. Know the country pretty well. We came here from Texas, I am U.S, wife Josha is German. Real estate investments here provide our income. Very easy living here. Good air, good ... Read More
![](/images/avatars/default/avatar.png)
![ddolphin ddolphin](/images/avatars/default/avatar-user-deleted.png?1)
Learning new language by ddolphin
Hi everyone 🤗 I've tried few websites, apps for learning new languages. Does anybody know about good one free of charge please? Thank you, Martina
![MikeJosha MikeJosha](/images/avatars/default/avatar.png)
Get an American movie, preferably one you like, with English dialogue and Spanish subtitles. Watch it over and over again, repeating the words and phrases while reading the subtitles. By knowing the content of the story, you will become familiar ... Read More