How to Apply for Non-Lucrative Visa or Residence Visa for Retirees for Spain as US Citizen

11 Jun

Due to popular demand, I am re-posting my series of blogs about how to get a “non-lucrative (retirement) visa to live in Spain. I have just completed my second renewal, which was considerably easier than my initial application, mostly owing to my experience at submitting  the correct documents. Here is my most recent visa, with personal info redacted:

Spanish visa/NIE card

 

 

At the time of my first post in July 2015 about the process of  how, as a U.S. citizen, to apply for a non lucrative residential or retirement visa to reside in Spain when I discovered this excellent and informative blog post by Jed on www.bucking-the-trend.com on February 17, 2014. So with his permission, I instead posted his blog, and then added my experiences where they were different. I was surprised to learn the requirements vary depending on which Spanish consulate you are required to apply. Here is Jed’s post:

How to Apply for Non Lucrative Visa for Spain as US Citizen – Bucking the Trend.

MY EXPERIENCES IN APPLYING FOR A “RESIDENCE FOR RETIREE” VISA

The process for applying for a non-lucrative visa to live in Spain as a U.S. citizen varies with which consulate you are required to go through. WHAT??? I thought the process would be the same since it is a national visa, but with some research online, and then personal experience, I was surprised to learn the requirements were sometimes different.

 

My first inkling about this came when I tried to inquire from the Spanish consulate in Los Angeles about the requirement of providing documentation of having a place to live in Spain, yet having to be in the U.S. to apply for and wait for the visa.  I had read a number of stories about the capriciousness of whether or not visas were issued by the Spanish government, so I was reluctant to rent a place in Spain without an assurance of being issued a visa. Moreover, I did not want to pay for a place which would sit empty for many months or possibly until the lease expired. When I initially contacted the L.A. consulate and naively asked how I was supposed to be in the U.S. yet have a permanent address in Spain, I was simply told I had to do everything required on the application.

 

When I inadvertently got on the San Francisco Spanish consulate website, there were different requirements, with no mention of the need for documentation of housing ahead of time. I wrongly assumed that the requirements would be the same across consulates, so I again contacted the Los Angeles consulate, (my mandated consulate based on living in San Luis Obispo County), noting that the San Francisco consulate did not have the housing requirement so did I have to at the L.A. consulate, to which I received the same response as my first contact with them, that I must do everything required on the application. They added that the requirements can vary depending on the consulate.

 

So I “relocated” to the San Francisco Bay Area with my son, and with my new address in Marin County, I submitted my visa application, sans documentation of a place in Spain to live. Interestingly, after booking my appointment via internet to submit my visa documents, when I showed up for my scheduled appointment, the man asked about my housing documentation. In my best, albeit slow Spanish, I smiled and explained that I did not yet have a permanent place to live in Spain because I would do that as soon as I arrived. Apparently, that was acceptable to him. Although it should go without saying, bring patience and politeness to your appointment at the consulate. I have seen curt and even rude people, whose behavior interfered with achieving their goal of getting a visa.

 

Also, on the San Francisco consulate’s website, they had a specific application “Residence Visa for Retirees,” which the L.A. website did not, although the requirements are largely the same with the exception of the variation between consulates. There are additional documents required to submit for those with a spouse and/or children.

 

There is a requirement to have all documents translated into Spanish. Living in California with many translators, I thought that would be easy. However, as with any time one deals with the Spanish bureaucracy, things were not that simple. I inquired as to whether a certified Spanish interpreter in California would qualify, and was told, it depended. The Spanish government may or may not accept the translation. As there were many documents that needed translation, including the reasons you want to move to Spain, criminal history check, medical certificate, medical insurance with no deductible, proof of minimum retirement income, with some documents requiring notarization, I tried to find a translator who was certified by the Spanish government. The first person I found was located in Spain, and after she learned I was in the U.S., she said she could not do the translation. The Spanish consulate website had a link to interpreters, but it was not working. I finally got someone at the consulate to send me the list of certified translators. One was conveniently located in the San Francisco Bay Area, and we exchanged documents by mail. She was fabulous, quick and met all translation requirements.

 

There were also some deadlines about how long you had to retrieve your visa from the consulate once notified of approval and to travel to Spain. One has to show proof of flight/travel arrangements when retrieving your visa, and the travel has to be scheduled within a short time, which generally means high flight costs. I got my notice of approval of my visa just shy of three months after I applied, and was required to pick it up within a few weeks. My flight to Spain was two months later.

 

In my next posts, I will discuss taking a pet to Spain, the procedures required once in Spain to actually get your Residential Visa/NIE card, and the first renewal of my Spanish visa.

 

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Photo Gallery: Treviso Italy

23 May

Here are some photos of my recent trip to Treviso, Italy, in the Veneto region, just north of Venice.

 

 

 

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Quality, Bargain Travel within Europe

8 May

Water Wheel: Treviso

While I loved my new life as an ex-pat in the lovely Mediterranean village of Altea, Spain, I relish the opportunity to affordably travel to other destinations. For my most recent trip, I went to Venice, Paris, then back to where I live, with all three flights costing only 150 Euros.

 

There are many low-cost options available for transportation and accommodations. My original plan was to go to central Spain to the historic, beautiful and interesting cities of Salamanca (with arguably the most beautiful plaza in Spain), Segovia (with its intact Roman Aqueduct), and Avila (with its intact medieval city wall), all UNESCO World Heritage Sites. Spain has the second most UNESCO World Heritage Sites, after China.

 

Piazza San Marco

However, getting to those locations from where I live is not easy to do in a timely manner via train or flight. I did not want to rent a car or take ride-sharing Bla Bla Car. As I did not want to spend many hours to get to my destinations, I looked at the direct (non-stop) flights that departed and arrived from the two airports closest to me, Valencia and Alicante. Originally I found direct flights from my preferred airport of Alicante to many destinations, and I decided to go to Venice, then Paris, then home to Alicante airport. I also checked for airlines and hotels that accepted dogs, as I initially planned to take my small dog, Pepper. I subsequently decided not to take him because it would preclude us from going to events like the ballet in Paris, or restaurants which have only indoor seating.

 

Often flight, bus and other transportation schedules within Spain and Europe are not published until a few months before departure. Whereas my initial search found direct flights from Alicante to Venice, when I went to book it, there were no scheduled flights for March, none until July. Being flexible and willing to search for other options can yield reasonable alternatives. I was going to meet my son in Venice on a Sunday in March, and all the flights with more than one leg took a ridiculous length of time. I then found a flight the prior day, a Saturday, to Treviso, which is only a mere 30 minutes train ride to the Venice train terminal for only 3,40 Euros. I decided to get a hotel in Treviso, “The City of Art and Water,” that Saturday and explore the town, which has interesting history and culture. The next day, I strolled around town before heading to Venice. Of course, I had researched, and where necessary, scheduled all the connecting ground transportation for the whole trip. That was not necessary for the train from Treviso to Venice. In Italy, (and some other European countries), after you purchase your ticket, you must validate it in one of the machines on the wall or you risk getting a large fine when they train staff check your ticket.

 

As private water taxis are very expensive in Venice, as are taxies in Paris, I scheduled them on Alilaguna, a group water taxi for about 14 Euros one way and 25 Euros roundtrip, and Blacklane for a roundtrip private transfer from Paris Orly airport to our hotel in the Plaza Vendôme area for about 50 Euros each way.

 

One unexpected issue we had on the flight from Venice to Paris on Transavia was just as we got to the staff to present our boarding passes we were told we could only have one carry-on, and that we would have to put any other items including my purse in my carry-on suitcase, which was already stuffed full. I had to throw out a few items in order for my purse to fit. All three flights were about two hours. It was the first time I had taken low cost airlines, and found them organized, and comfortable enough.

 

We enjoyed stops in historic churches, art museums, live music venues, and public gardens. Included in this article are some of the interesting sites we saw on this trip.

 

For me, one of the many considerations, albeit not the most major, in making a decision to move to Spain was the ease and cost of travelling to relatively nearby European and African countries.

 

 

 

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Spain: Residential Visa Renewal

26 Apr

“Come back after 30 days to pick up your new Spanish visa. You don’t need an appointment; you can pick it up between 9:00 and 2:00,” she told me in Spanish. HURRAY! This was my second renewal of non-lucrative (non-working) residential visa/NIE card.

This time the renewal process was surprisingly easier than my initial visa application (the first part done in California and the completion once I arrived in Spain), as well as the first renewal. The best part of this visa renewal process was that I no longer had to travel twice from Altea to the provincial capital of the area, Alicante, which takes about an hour each way by car. Instead, I was able to get my fingerprints “huellas” appointment at nearby Benidorm, and also pick up my visa there.

Part of the reason this application was easier was because the requirements were the same as the first renewal application. I keep a file of each application with copies of all documents including what to submit and the documents I submitted. Before starting, first check the government website to make sure the requirements have not changed. The reapplication can start up to 60 days before the visa expires, and up to 90 days after it expires. For your convenience, I have included the links to the internet sites I used, which I filled out, then saved and printed. I cannot guarantee the accuracy of these links, as they sometimes change or are not working; the latter was the case for the government website when I initially looked for it.

I then proceeded to complete and print EX-01. I then asked my financial adviser to draft a letter regarding my financial status, demonstrating that I met the minimum monthly income requirement. In my case, I used my private retirement account, and also the projection of what I would receive from Social Security once I reach 62. Attached was a recent copy of my retirement account showing its monetary value, and the most recent Social Security Statement, which can be found online. I review the email draft for accuracy, and then have the original (which is required) with an original signature by the document’s author; the signature must be notarized. Once I receive the original and notarization, I take it to an official translation office to have it translated into Spanish by a certified Spanish translator.

I made a copy of my current Spanish medical insurance which shows it is in force and that there is a zero co-pay. Since I did not have a Spanish bank account, I found a local agent who could issue the annual policy with an annual cash payment rather than the standard monthly bank deductions. My annual policy is around $1100 U.S.

I also made a copy of both sides of my current Spanish visa (NIE) card, and all of the pages of my U.S. passport. Since I had just renewed my passport, there weren’t any travel stamps on any of the pages, but one has to copy all of the pages regardless. (I was able to renew my passport by mail by sending it to the U.S. Embassy in Madrid; I received my new passport in less than two weeks, paying the shipping fee to the delivery driver.)

There are additional requirements if you have minor children, which are described on the government website. The instructions are generally in Spanish, another good reason to learn it; the staff at the visa application offices often do not speak English. If you have problems understanding or implementing any of the requirements for the visa, for a fee, you can employ a gestoria, a person who is experienced in dealing with the vagaries of the Spanish bureaucracy.

Next, I went to the local Oficina de Extranjería with all of my documentation to make sure I had everything correct. I had gone online to print Modelo 790 codigo 052 and printed it, but I was told I still needed to go to the bank to pay the 15,76 Euros. Make sure your address on file in Spain agrees with the documents you are submitting.

If there are any problems or missing information, you receive a certified letter. Once all documents were correctly submitted, I received an email with instructions for setting up an appointment for fingerprints. As with the whole process, the instructions are in Spanish. However, they do show photos of which items to click on the website. They also say to leave blank the box entitled “Fecha de Caducidad de su tarjeta actual.” After you select the best appointment time, they email you a paper with the appointment date, which needs to be printed and brought to the appointment, along with printed form Tasa Modelo 790 codigo 012, which has to show paid; my fee was 18,54 Euros. While it did NOT say it on that instruction sheet, you also need to bring your passport, current Spanish visa, and photos, which are described in the visa initial application instructions. I saw numerous people turned away from the office for such things as lack of an appointment; not bringing a valid passport, current Spanish identification card, paper showing you have paid the fee; or one parent bringing a child to register him/her but not having both parents present as required. The varying 790 forms need to be paid in advance, at a bank, where they are stamped.

At the appointed police office, I had an unusually short wait compared to typical wait times at a Spanish government office. They took several fingerprints of each of my index fingers, took the photo I brought to be on my new visa, and reviewed my Spanish visa and US passport, along with the paper showing my appointment date and time. The clerk then gave me a paper designating when I could return to pick up my visa, noting the hours, and that I need to bring that paper, my Spanish visa, and U.S. passport. While the clerk told me to come back to retrieve my visa card after 30 days from the appointment with her, she did not mention that the card must be retrieved before 45 days after the appointment; otherwise, the availability of the picking up the new card expires (which I read on the bottom of the form.) This second visa renewal was completed about three months after first submitting my application, only two months after my visa formally expired, as compared to a prior renewal which took eight months.

Here are links to my prior posts on getting a Spanish residential visa: https://starrtreks.com/2015/07/09/how-to-apply-for-non-lucrative-visa-for-spain-as-us-citizen-bucking-the-trend/; https://starrtreks.com/2015/07/26/patience-and-tenacity-requirements-for-obtaining-a-spanish-residential-visa/; https://starrtreks.com/2015/08/09/you-must-be-kidding-steps-to-get-a-spanish-visa/.

What have been your experiences in getting or renewing a Spanish visa?

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Affordable Luxury in the Jewel of Spain’s Costa Blanca

17 Apr

Altea

Here is an excellent article about Altea written by my friend, Ted Williams (aka Paul Theodore Williams) for International Living magazine.

Thursday, March 23, 2017

Dear Fund Your Life Overseas Reader,

One of the challenges of moving overseas is selecting the right place for you. Cost of living, climate, convenience, and several other factors will play a big part in your decision.

But when you find the perfect place for you, it’s something you won’t be able to put a number on. You’ll just know it.

Texan native Paul, who tells his story below, is one of the folks who has found his perfect overseas home. Read on, and discover why he’s so taken with this little town on Spain’s Costa Blanca…

Shane Ormond

Shane Ormond
Managing Editor, Fund Your Life Overseas

P.S. If you like the romance and culture of Europe…then Spain is calling your name. It offers sophistication, charm, comfort…and at a price you’d expect to see in Latin America. In fact, it’s the best bargain in Europe today. Uncover the insider secrets to find your ideal Spanish destination in our comprehensive Spain Uncovered Bundle—available this week only at an almost 50% discount. Act before midnight tomorrow and you’ll receive a free report on Spain’s Secret Income Opportunity.

***

Affordable Luxury in the Jewel of Spain’s Costa Blanca
By Paul Theodore Williams

This morning, I awoke to the spotless Altea seaside, refreshed by an early spring shower. These March mornings are cool, and showers are frequent at this time of year, but the afternoons are sunny and warm enough to peel off the jacket.

I took my two dogs for our morning ritual, walking down to the craggy beach just a couple-of-minutes from my home. The crisp morning air is a refreshing and energizing start to the day. As the waves crashed rhythmically against the shore, I began to wake up and turn my thoughts to the day to come.

These mornings, walking the coast in Altea, the jewel of Spain’s Costa Blanca, may feel like part of a vacation commercial. But it’s my normal everyday life, compliments of working as a teacher in Spain.

I teach at a school about seven miles inland from Altea. Is that why I came here? Not really. Teaching, for me, is a means to an end—a way to live life on my own terms. I’m not making a fortune by American standards, but compared to the cost of living, I live comfortably, have a constant flow of disposable income, and get plenty of time off to do what I want.

Coming from Texas, I was used to a lower than average cost of living. However, Altea is even drastically more affordable than that. My first home here was an apartment on the seafront, which I rented for just for $485 per month, with my utilities totaling at about $100 monthly. Since then I’ve met my wife—she was the landlord of that apartment as it happens—and I’ve moved on from that apartment to something bigger.

Fuel is more expensive here but my car gets 45 mpg and we only use it for going to work and our weekend adventures, since the whole town is happily accessible by foot. One stroll through the jasmine-filled streets and you’ll never want to get back in a car again. Fruit and vegetables are at least half the cost of back home and finding organically grown produce is the norm, not the exception.

We both love to cook, but we also love to eat out. For an authentic, traditional Spanish meal, you’ll get a glass of wine, starter, first and second courses, and dessert or coffee for about $11 at lunch and $16 at dinner. A great bottle of wine, that I would expect to cost $20 to $25 back home, may set me back about $5. If I’m watching soccer with the boys I can get a pint of beer for $2.70.

One of the best Indian restaurants in the area, Crown of India, sits on high in the old town with a 270-degree panoramic view of the mountains and coast. They offer a wonderful dining experience for about $20 including wine or beer. But I must admit, my favorite restaurant is a Michelin-star restaurant, BonAmb, in Javea, about 30 minutes away. It’s more expensive than the other restaurants in the area but they bring the essence of the Costa Blanca from land and sea to table with a refined, sophisticated touch.

Here, I’m able to indulge my love of food. My wife and I enjoy frequent outings to enjoy the region’s world-class wineries and artisanal cheeses. My favorite winery close to home is Mendoza in neighboring Alfaz del Pi. The extended four-hour tasting includes a tour of the grounds, and a tasting of eight wines along with locally produced meats, cheeses, and olive oils.

I could live in other towns nearby and live on even less, but Altea is my heaven on earth. To my front, I have the Mediterranean Sea with its calming rhythm; to my sides and back, I have a backdrop of rugged mountains. Together, they form a microclimate that means less extreme highs and lows in summer and winter, while also giving the town a magical light that must be seen to be understood.

 

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Terrorism and Travel

22 Mar

Gothic Sainte-Chapelle stained glass

A shooting involving a terrorist at Paris’ Orly Airport, while I was going through the security check there, was an anticlimactic end to my 60th birthday celebration in Venice and Paris with my middle son, Michael. Orly is France’s second largest airport. Just before I was scheduled to board my flight home to Alicante, Spain, I noticed the departure gate had changed to the downstairs departure area. As I tried to go to the new departure gate, the airport security officers told me there would be no more flights that day from Orly. Without explanation, they corralled us into the far half of the boarding area, not allowing anyone to leave. The televisions were switched off, and the departure screens frozen, which continued for several hours. We never received any notification from airport staff as to what was occurring, but I googled “Orly news” where I learned that a terrorist had tried to wrestle a gun from an airport police officer, and that he was shot. I did not learn the details until after returning home. Even though I had been told around 845 a.m. that there would be no further flights from Orly that day, around mid-day, without any speaker announcement, the boarding boards were turned back on, although without accurate, updated information on departure times. We finally boarded and departed around 330 p.m. As I write this on March 22, 2017, there has been a terrorist attack in London near the Parliament, and possibly inside.

 

There is no place in the world in which one is free from the possibility to violence, terrorism or even natural

Sacré Couer

disasters. In 1998, not long after the terrorist attack on the U.S. Embassy in Nairobi, Kenya, my oldest son and I went to Nairobi and then on safari the Tsavo Park area. Of course, at the time, we didn’t know that the attack was part of an organized terrorist organization. Not long after an American Airlines flight crashed in Queens, a borough in New York, in November 2001, only two months after New York’s September 2001 attacks, we flew to Europe. It was initially speculated the crash could have been a terrorist attack, but it was later determined to be caused by human error. During a tour of eight African countries, while in Bamako, Mali, the nation’s capital, we stayed at a hotel, where several years later, in spite of security, Islamist extremists took 170 people hostage, shooting 20.

 

Enjoying live classical and Brazilian music at Venice’s Caffè Florian, reported to be the oldest café in the world, dating back to 1720

That said, as a psychologist, particularly a forensic psychologist where we rely heavily on statistics, I make informed decisions based on statistics rather than irrational fears. By far, I have a significantly greater chance of being killed by violence, particularly in the U.S., or by disease, or accidents. I choose to live my life with joie de vivre, focusing on relationships, food, culture, adventure, and curiosity. And if I should meet my end in a travelling accident, for me, that is far better than being holed up in my home or a bunker, or living my life in fear. To that end, I will be providing future blog posts on my Venice and Paris trip, and am providing a sampling of those photos here.

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SERENDIPITY AT SANTA CATERINA HOTEL

25 Feb
Santa Caterina Hotel Lobby

Santa Caterina Hotel Lobby (Courtesy: Hotel Santa Caterina)

Looking at the vista of sparkling blue water against the backdrop of the Amalfi Coast’s rugged terrain from the balcony of the luxurious Santa Caterina Hotel, we languished over the refreshing local limoncello lemon liqueur. One of the hotel staff approached us saying that the son of the owner of the hotel was getting married the next day and would be having their rehearsal dinner reception at the hotel that night and we were invited. The hospitable parents of the groom, Francesco, own two of Amalfi’s best hotels, including the renowned late 19th century liberty style villa, Santa Caterina. All of the wedding guests were staying at the Hotel; we must have serendipitously booked our hotel reservations before the wedding date was set because everyone else seemed to be part of the wedding party or wedding guests.

Having just arrived after spending a few days in gritty, crowded, tasty Naples, we relished the calm serene, comfort, and Italian elegance the Santa Caterina offered. We were excited about the opportunity to have an insider’s experience in an authentic Italian rehearsal dinner reception.

hsc-054

Bar at Santa Caterina (Courtesy: Hotel Santa Caterina)

As expected, the many small appetizers were creative and sumptuous, some of the best food we have ever had. Drinks were plentiful, served by the friendly, impeccably professional staff. The bride, Sarah, an American, incorporated local lemons and limoncello into the reception décor. Appetizers were served in the lobby which had traditional, colorful Amalfi floor tiles. The buzz of many languages was a result of the multinational guests who hailed from ten countries.

After the formal dinner, and numerous toasts to the bride- and groom-to-be, we danced to a variety of types of live music and chatted with the convivial guests. We retired to our beautiful  room, thankful for being able to experience such a genuine Italian celebration.

Evening View of Santa Caterina Hotel

Evening View of Santa Caterina Hotel (Courtesy: Hotel Santa Caterina)

The next day the couple exchanged vows in the 9th century Roman Catholic Amalfi Cathedral, which of course, we did not attend. Instead we spent a lovely day wandering the ancient streets of Amalfi. While I generally abhor shopping, I was determined to buy some of the decorative, hand-crafted Amalfi ceramic pottery, specifically colorful plates and address tiles. Meanwhile, when the newly married bride and groom exited the church in the town’s main plaza, they were greeted with cheers from townspeople and tourists alike. That night after their wedding reception, we watched their colorful firework spectacle from our room.

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