2015 Open Enrollment Period Has Started for 2016 Obamacare

Nov. 4, 2015 Update:
The US Feds are telling us:
Now’s your chance to sign up for 2016 health insurance and join the millions of people who have quality coverage from HealthCare.gov. If you haven’t done so already, submit your application today.

8 out of 10 people who enrolled in a health insurance plan qualified for financial help. In fact, most people can find a plan for $75 or less per month.

Sign up for a 2016 plan and see what you could save today!”

Application DEADLINE: December 15.


If you are over age 64 (covered by Medicare) … or if you are in the USA for less than 36 days in 2016 …  or if you do qualify as a  “bona fide” resident of another country (qualifying & filling out IRS Form 2555 … https://www.irs.gov/Individuals/International-Taxpayers/Foreign-Earned-Income-Exclusion—Bona-Fide-Residence-Test) …. or   … if you already have qualifying medical insurance,
then you do not  have to   participate in ACA/Obamacare.

If you do not have Medicare, nor qualifying coverage, nor meet the 35 day IRS Physical Presence rule, nor have “bona fide” residence in a foreign country …

… then 2016’s per-person charges jumps to $695 per adult and $347.50 per child, topping out at $2,085 per family … or pay the larger of that figure or the IRS’s income-based fee of … 2.5% of your 2016 income.

See more details at our main articles:

ACA – Obamacare’s Effects on American Expats Living Abroad



Basic Information on Americans Living Abroad and ACA Obamacare

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2015 Annual Holiday Payments for Mexican Workers

Nov. 4, 2015 Updates:As all the Christmas holiday chatzkies are appearing on store shelves, and as we make our holiday plans … It’s time to remember our beloved household help and employees (including muchachas y mozos).

Please plan ahead to pay them their end of the year Aguinaldos by December 20’th. (and to also pay for their vacation days) … This pay is NOT a optional bonus. Our Mexican workers and their families count-on and depend on these critical annual payments owed to them.

Basically the Aguinaldo is 15 days of pay. (calculated on a 7 day work wk)

… and annual Vacation pay varies from 6 days salary for the first year, up to 26 days salary for employees working 35 years or more for you.

See more details at our Full Articles:

… and   http://yucalandia.com/answers-to-common-questions/mexicos-new-2012-labor-law-and-the-effects-on-expats-with-household-help/

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2016 Mexican Tax Law Changes

Oct. 22, 2015
On October 18, the Mexican Congress amended the tax law for 2016.

Under the new rules, most gains from selling our primary residence will be exempt from capital gains after living in the home for just 3 years, instead of the current law’s every 5 years. … Read our main article on Capital Gains for more details at:   ~ Capital Gains Taxes on Mexican Properties ~

Soda pop manufacturers got a reward of  50% reductions in taxes on high-calorie drinks  (as Mexicans drink the most soda per person in the world).

The business deduction tax limit on cars has been raised from 130,000 pesos to $175,000 for 2016.   … Thanks to  Lic. Spencer Mullen for this good information!


For more details on Mexican Tax policies, see our main Mexican tax article at:

~ Capital Gains Taxes on Mexican Properties ~

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October – November 2015 Daylight Savings Time Changes

October 3, 2015
For all the FB friends who have been posting Oct. 4’th  Daylight Savings “Spring forward” clock changes **
Daylight savings times do change tomorrow for a few of our mates:

Note that (most of) the USA “Falls back” on:  ~  November 1, 2015.~

Most of Mexico “Falls back” on: ~ October 25’th, 2015 ~

New Zealand “Springs forward”: ~ September 27 ~

**Australia “Springs forward”: ~ October 4 ~

UK ~ like Mexico ~ “Falls back”: ~ October 25 ~

Canada ~ like the USA ~ “Falls back”: ~ November 1 ~

People flying using CANCUN airport should realize that Q.Roo/Cancun does NOT change times at all during the year.

Cancun will go back to matching US East Coast time on NOVEMBER 1 …

Also expect confusion among ADO bus schedules and confused ADO employees (like last spring) when the times change for Yucatan – but not for Cancun Q.Roo … on Yucatan-Q.Roo bus routes. … *sigh* …

The Merida-Cancun drive still takes 4 hours – so check the ADO times vs. 4½ hour travel times.
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Mexican Consulates Post Schedule for Cancelling – Surrendering Auto Temporary Import Permits

Sept. 26, 2015
The Mexican consulates in the USA have announced special days  when they will offer the service of canceling vehicle Temporary Import Permits (TIPs) in the following cities / dates for the rest of 2015:

Denver:    Thursday and Friday October 8 and 9,  2015
Houston:   Wednesday, Thursday, and Friday October 14, 15 and 16, 2015
Dallas:   Friday, Saturday and Sunday October 23, 24 and 25, 2015
Sacramento:  Tuesday and Wednesday November 3 and 4, 2015
Los Angeles:  Thursday and Friday October 29 and 30, 2015
Phoenix:  Thursday and Friday November 12 and 13, 2015
Chicago:   Thursday, Friday and Saturday December 3, 4 and 5, 2015


Readers can find more details on TIPs ( permiso de importación temporal vehicular ) and the importance of cancelling old TIPs at our main article on Importing and Driving Cars in Mexico at:  http://yucalandia.com/driving-in-mexico-issues-fun/importing-driving-a-car-in-mexico/

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Super Blood Moon Coming Sunday, Sept. 27, 2015

Sept. 22, 2015
The first “super-moon” total lunar eclipse since 1982 is coming this Sunday night, for people in the eastern half of the USA and … all of Yucatan.

This “blood moon” total lunar eclipse will start to have a super-moon in partial eclipse (penumbra) at 7:11 PM Central Daylight Time on Sunday 9/27/2015 for Yucatan Peninsula viewers.

With moon-rise at 6:30 pm, and sunset at 6:40,  we should have a fine FULL eclipse starting at 9:11 pm CDT of umbra (total eclipse) for 1 hr 10 minutes of viewing from 9:11 – 10:23 on Sunday evening (CDT – Yucatan) … peaking at 9:47. After 10:23, the moon then shifts back to penumbra until 11:27 pm CDT.

Yucatan Supermoon lunar eclipse 09/2015 foto by William L. Drennon

Yucatan Supermoon lunar eclipse foto by Bill Drennon

Let’s hope for clear skies next Sunday evening, since the next super-moon total lunar eclipse will not happen until 2033** – as lunar eclipses rarely happen when the moon is at the triple-event of simultaneously:
~ Moving through its closest point to the earth (perigee)
+  being “full” (syzygy – with sun/earth/moon in a line)
+   having the moon fall totally inside the shadow cast by the earth (umbra => total lunar eclipse).

This unique combination of celestial positions happens roughly just 5 times a century.

**The three 2033 Total Lunar Eclipses (including the super-moon total eclipse) … will not be visible from the USA or Yucatan.

So set aside this coming Sunday evening … just after sunset … for what will be the final chance for many of us to see this unique combination of heavenly bodies in our lifetime.

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2016 Traveller’s Alert for Americans Flying Inside the USA

Sept. 22, 2015

Under TSA’s upcoming Phase 4 of the Bush-Cheney 2005 “REAL ID” program, in 2016 some state’s driver’s licenses will no longer qualify Americans to board a domestic US flight. …  Flyers who want guaranteed access to their 2016 domestic flights should use their passports to meet the new TSA requirements.**

For example,  New York State standard drivers licenses do not meet the Bush-Cheney prescribed 2016 Homeland Security standards for approved Federal Identifications.  New Yorkers can pay an additional $30 for a new “enhanced” level NY state drivers license  (officially called an “EDL” for US states ) … or just bring your passport.

Pittsburgh International Airport November 24, 2010.


**Security Sidelights:   TSA security checks have stopped 0 (zero) terrorist attacks since Bush-Cheney created a whole new Fed. Govt. Agency:  Homeland Security  … Meanwhile on the real security front … Over 400 TSA employees have been convicted of crimes involving thefts of passenger’s goods, organized sexually assaulting passengers etc.
=> improved security ?

TSA’s troubling sub-culture of law-breaking is exemplified by a single TSA employee stealing over $800,000 of goods & cash from various passengers’ luggage …   *sigh*

(a very real problem for people like us who’ve had our luggage raided by TSA employees during “secure” baggage handling & “security” inspections …)



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