March 28, 2007

Karla Darocas Artist, Entrepeneur, and Canuck Expatriate in Spain

Filed under: 64bestloan1_yourmoneysave — admin @ 5:08 am

I had an opportunity to meet Karla last year on one of my trips to Spain. My interview preview will give you a bit of background on our meeting. Karla is a fascinating individual, a painter, writer and overall creative person, but also an entrepreneur with a bit of an alternative flair. Here is what she has to say about her experience as a North American expatriate living in Spain.

1. Tell us a bit about your background. Where did you grow up, what is your educational background and what did you do before you moved to Spain?

I was born in Toronto and raised in a small provincial town called Bowmanville - just east of Toronto. I moved back to Toronto after high school and attended Humber College in Rexdale where I studied creative arts - like fashion design, photography and writing. After college, I opened my first enterprise - a boutique in Toronto’s trendy Queen St. area - that sold weird and wonderful wearable art objects.

I sold that business in 1983 and went to the University of Waterloo where I received an honours degree in Fine Arts. I graduated in 1990 - and started my second enterprise - called Zona Communications. It was a communications company - and I jumped into the internet with both feet. I went on to build my first Internet enterprise - which I sold to a California company in 2000. I lived in sunny southern California after the sale of my enterprise - until the New York World Trade Centre tragedy - September 2001.

I packed up everything and went back to Bowmanville. Then 10 days later - I packed some items and flew to Zurich, Switzerland and married my long-time Spanish boyfriend - who had been working in Zurich for 8 years. We packed up his apartment - and by December 2001 - Christmas - we moved to Spain.

2. You now live on the Costa Blanca in Spain. How long have you lived there and what made you move there?

We have been here since December 2001. We didn’t know where we were going to live - so the first logical place to go was to where Jose, my husband was born - Xativa. This is a castled city in the interior of the province of Valencia. We lived there for 6 months. We were unemployed and free to travel around Spain - as it was our honeymoon. We bought a 4×4 and traveled up mountains and down into valleys and places that no tourist would ever think of going.

However, we really wanted to move out to the coast - to the sea. We had met in a fishing / holiday village called Javea - back in 1988 - when I was a University student. I came to Spain twice - on student loans - to study art at the Prado in Madrid. Then, I would head out to the coast to party and hit the beaches.

My Spanish sweetie was a waiter in a fine little restaurant called - El Solomilllo - right on the beach. We fell into a crazy kind of love - and spent two wild summers together. We kept in touch for the next years though a friend - until the Internet was developed.

When we came to visit Javea from Xativa we found an old friend, Carmelo. He gave my husband a job and we moved over to the coast. We now make Benitachell our home - which is only five minutes from Javea.

3. What is it like to live in Spain? What are the main cultural differences between living in North America and living in Spain? What was the adjustment phase like initially when you moved there?

Spain is an old culture, full of raw passion, tragedy, love and a fascination with the macabre. It takes some time to get used to the intimate nature of the people. They are a nation of huggers and kissers. In North American culture where a handshake is normal to greet people, here in Spain it is a hug and a kiss on both cheeks. This is standard for men and women. No one ever thinks that you are gay because you are kissing a member of the same sex. This is a silly notion.

Spain is a noisy country. They have a great love of fireworks. Motorcycles do not have mufflers and they roar like big beasts through the streets. People don’t talk to each other - they yell. A North American would think that fight is taking place in a bar when the Spanish get going. But they are not fighting, this is normal communications.

Spain is a dangerous country. Every criminal who flees persecution in their own country comes to Spain. Every type of mob is here, Russians, Romanians, Italians, Yugoslavians Plus every killer soldier left over from some Central European war. Terrorism has been a common scenario in Spain thanks to the Basque separatist movement (which learned everything they know from Canada’s FLQ). Every week, an unknown body will show up dead in a ditch due to some Columbian drug payment that didn’t get paid.

Drinking and Driving in Spain is normal. Death is cheap on the motorways. Every weekend families say goodbye to loved ones as the jaws of death scrape the mangled bodies of young and old from a twisted up piece of metal that used to be a car. Beer is not considered a dangerous drink, yet it has a 5% alcohol content. If you do need to get one you can go through the Drive-Thru window at your nearest McDonalds. Both wine and spirits are very cheap in Spain - so it is an alcoholic’s dream come true.

Smoking is not prohibited and cigarettes are very cheap. Everyone here starts smoking at a very young age. The women stay nice and thin as they don’t eat, they just smoke. Everyone has black circles under their eyes. The mix of the cheap brandy and cheap cigarettes creates for very smelly people.

4. You have now spent several years living in Spain. What places have you seen? What festivals have you experienced? What gastronomic pleasures have you enjoyed?

Our favourite festival is the Fallas Festival in Valencia. We look forward to the first two weeks of March with such passion. It is the most amazing festival both visually and emotionally. The combination of art and fire, noise and danger - it all comes together in this festival.

We have so many favourite foods - like paella and sausages packed with pork and mountain grown herb. We love flan and rice puddings. We love all types of seafood and fresh veggies from the market.

5. You are always involved in a variety of endeavours. Tell us about the various websites you are working on.

My husband and I try and keep all of our important information on our own website - http://www.darocas.com/ - this is where I keep track of my paintings too. Then, I have another website called http://www.spainlifestyle.com/ where I store my writings and poems and photos of the renovations on our house. Then, we have another site called http://www.spainphotos.net/ where we store our Spanish adventure photos.

6. In addition to web sites, you also participate in several business organizations. What are they and what is your role?

http://www.palomera.com/ is a website that seeks out and tracks what the Spanish business community is doing and we can watch business trends.

Last year, I started a business club for women - which has grown and we are actually hosting International Women’s Day. It just goes to show the power of women to make something out of nothing. This is a club of international women who have come to live on this coast. The website is http://www.wibc-spain.com/

7. Obviously both you and your husband have a strong entrepreneurial orientation. You are now also involved in a project that involves a luxury Canadian cedar log home development in Spain. Tell us more about that project.

We both love wood homes. The homes in Spain are made from cement - so they tend to be cool in summer, which is good, but during winter and the stormy season cement homes are damp, cold and clammy. They are always full of cement dust and if they don’t get enough sun they get moldy.

The Spanish don’t have a good understanding of wood home building but the many of immigrants from England, France, Switzerland, Germany and so forth love their wood homes. So I hooked up with some old university friends from Canada who design and build wood homes in order to be able to offer a Canadian cedar log home to the Spanish landscape and marketplace. We are currently working on a project with a Spanish developer to build the first wooden home community in Spain. That website is called http://www.spainloghomes.com/

8. In addition to your entrepreneurial ventures, you are also an artist. Tell us a bit about your artistic background and the creative endeavours you are involved in now.

I love to paint. I had not done it for many years due to being so involved with the internet industry. When we moved here I was so happy to get back to my passion and use my skills that I developed at university. Now, I paint to please myself but the paintings sell very easily to people buying new villas or to tourists.

9. Talk to us about the expatriate experience in Spain. Where do community of foreigners live, how do they interact, what types of business and activities are they involved in, and how has that changed the country?

The coastlines of Spain are turning into very international communities. It reminds me of what California and Florida must have been like back in the 60’s and 70’s. Every retired person from northern Europe is moving to Spain for the sun and sea.

They are bringing their cultural mix and adding it to the Spanish culture. The rest of Spain is changing too - for the good and for the bad. There are more social reforms happening in Spain now - for women and for labour and social welfare. The new government is young and progressive.

The bad side is that the progress is too fast and the natural beauty and landscape is being filled up with cement houses looking like low cost housing, but as holiday homes they are fetching a huge price. This inflation is eating away at the poor in this country and now young Spanish people are looking at an era where they will not be able to buy a home.

10. What advice would give to someone else who is considering moving to Spain?

Don’t’ move to Spain unless you are willing to be flexible. There is nothing stable about this country and perhaps there never will be. If you are rich, and can live off a pension and golf everyday you will be fine. If you think you can move to Spain and get a job forget it. However, if you are an entrepreneur and can see the holes in the marketplace and you have the guts and know-how to fill the hole you will be fine.

Thanks, Karla, for sharing your viewpoints and experiences. I appreciate your insider’s insights into a culture that has fascinated me for a long time. Good luck with your endeavours in Spain!

Susanne Pacher is the publisher of a website called Travel and Transitions (http://www.travelandtransitions.com). Travel and Transitions deals with unconventional travel and is chock full of advice, tips, real life travel experiences, interviews with travellers and travel experts, insights and reflections, cross-cultural issues, contests and many other features. You will also find stories about life and the transitions that we face as we go through our own personal life-long journeys.

Submit your own travel stories in our first travel story contest (http://www.travelandtransitions.com/contests.htm) and have a chance to win an amazing adventure cruise on the Amazon River.

“Life is a Journey

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March 21, 2007

Tips on Finding the Best New Car Loan

Filed under: 64bestloan1_yourmoneysave — admin @ 4:05 am

Finding the best new car loan can save you thousands of dollars over the life of your loan. That is why it’s so important to know where to look in order to find the best new car loan. This article offers some tips to help you get started:

Online Lender Portals

There are many websites on the Internet that serve as lender portals. These sites gather some personal information about you and submit your information to several different lenders. The lenders then offer you loans based on the information you provided the initial website. This can be a great way to find the best new car loan. You can browse through the offers you received and compare them to each other. Once you’ve found the best offer, then you’re ready to look for loans in other places.

Personal Bank Loans

Sometimes, if you have a good banking relationship with your personal bank, they’ll offer you customer loyalty loans. These loans could potentially have much better interest rates and terms than the other companies you’ve looked into. Since you’ve already chosen the best deal you found online, compare that offer with the one your bank offers. Choose the better deal and look in another common lending establishment.

The Dealership

Sometimes dealerships have promotions they use in order to sell cars. These promotions could even be as good as 0% interest for the life of your loan. However, these promotions are usually reserved for borrowers with immaculate credit. If you have great credit, or, even if you don’t, find out what type of loan a dealership will offer you. Compare it to the best loan you were offered from both the bank and the online lender portal. Choose the best of the three, and you will have found the best new car loan you can qualify for.

Visit Car Loan Sense to view our Recommended Auto Loan Lenders online. Also, visit Car Loan Sense for help finding the best New Car Loan.

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March 14, 2007

What Is The Presidential Management Fellowship

Filed under: 64bestloan1_yourmoneysave — admin @ 1:02 am

“The purpose of the Program is to attract to the Federal service outstanding men and women from a variety of academic disciplines and career paths who have a clear interest in, and commitment to, excellence in the leadership and management of public policies and programs.”
President George W. Bush

The Presidential Management Fellowship, or PMF, is a 2 years’ program with a stipend paid by the Federal Government through the office of Personnel Management, or OPM. If selected, it opens an avenue of golden opportunities for candidates, many of whom are quite young. Just check the partial list of departments where you can be placed and how high:

1. Commerce

2. Treasury

3. Homeland security

4. NASA

5. FBI

6. Justice.

A Brief History Of The Federal Management Fellowship

Through an executive order in 1997 and as amended later in the year 2003, the PMF has entered the arena to attract the best talent from an outstanding pool of young men and women who have just graduated from college.

The purpose of the PMF in taking up and conducting the program is to continually meet demand and supply gaps for extraordinary, committed and highly intelligent people from diverse cultures in public service.

One can easily say that the purpose, as stated by the President has been successful if you look at the illustrious alumni. The list, however small here, is nonetheless powerful: Emily Morales, Victoria Paulette-Morgan, Miguel Green, and Athena Krell David Christopher, are just small number of representatives on this distinguished list.

Am I Eligible For The PMF?

Graduates from any discipline and having completed a degree by August 31 of the year of the competition are eligible for the PMF. The candidates must be recommended by schools following demostratable excellence, accomplishments, leadership qualities and knowledge of public policies and programs. The PMF is basically focused on bringing out the best talent from Americans and is thus limited for non-US citizens.

The following are the steps involved in the selection process:

1. Nomination by your college through your application in between August/September. This is before your graduation. There is no limitation on the number of applications the college can accept.

2. The online application includes a record of accomplishment in addition to a resume. You are called for a structured assessment or semi-final, based on the records you submit.

3. A one-day assessment will be held between January and February for testing group participation, written and spoken skills. Qualified candidates are notified by March of the same year about their ranking.

4. Qualified candidates are interviewed by Government agencies in Washington, DC and the luckier ones get offers on the spot.

What Are My Benefits

All selected candidates are appointed at the GS-9 level, and successful first year completion will get you to GS-11 or GS-12, depending on the chosen career length and potential. Fellows are formally trained for 80 hours to acclimatize them to the functional disciplines of the hiring agency. They are eligible for annual and sick leave, student loan repayment, paid holidays, retirement benefits and health and life insurance plans.

The Presidential Management Fellowship program is clearly for high achievers. It has helped launch the careers of many distinguished people in public service, and can do the same for you.

Tony Jacowski is a quality analyst for The MBA Journal. Aveta
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