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Methods for Staying Safe in the Bahamas During Your Retirement

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

Staying safe in the Bahamas requires watching your sun exposure, carefully navigating the cuisine, purchasing reputable recreational equipment and avoiding high-risk behaviors.

Living in the Bahamas: Recreational Safety

Water sports and scooter rentals are incredibly popular on the islands of the Bahamas, but these industries aren't carefully regulated by the government. Rent equipment from reputable dealers and insist on seeing proof of sufficient medical and liability insurance.

Crime in the Bahamas: Robberies and Thefts on the Rise

New Providence Island, home to the capital city of Nassau, has the highest level of criminal activity. Altercations resulting from robberies have been on the rise, and home break-ins and thefts can occur in residential areas. Keep the doors of your home and car locked at all times, with valuables out of sight. The Out Islands are the safest in the Bahamas, and some hotels in this area don't even have locks on the doors. A few other safety tips are recommended in the Bahamas: • Avoid anyone who appears to be peddling drugs. • Drink in moderation. Many assaults have occurred against intoxicated individuals. • Make sure your wallet, money and valuables are well secured. • Take caution if walking alone on the streets of Nassau after dark, particularly for women.

Staying Safe in the Bahamas: Health Concerns

Two major health risks common in the Bahamas are over-exposure to sun and dietary issues. Use strong sunblock products and manage your time in the sun wisely. For your first few days in the Bahamas, don't spend more than an hour or two in the sun until you become accustomed to the intensity of the sun's rays in this region. Your body may not be used to ingesting Bahamian food like shellfish or exotic fruits. You may experience issues if the foods have not been cleaned properly or if your body has trouble adjusting to the new cuisine. The water in the Bahamas is safe to drink but may taste a bit salty to new residents, so you may want to drink bottled water until you get used to the taste. If you become injured or fall ill, the Bahamas have excellent medical facilities. Private and government-operated clinics and hospitals are readily available, even on the more remote islands. Make sure you have the proper documents for retiring in the Bahamas in place because legal residents can take advantage of the public health system.

Popular Beverages and Cuisine in the Bahamas

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

Cuisine in the Bahamas depends on native produce, seafood from the island's waters and locally raised meats. Thanks to the islands' heavy taxes on imported goods, chefs in the Bahamas try to rely on local ingredients, and these tastes are beloved by visitors and locals alike. After over 300 years of British rule, the empire's influence on Bahamian cuisine is still seen in the island's meat pies, stews and breads. Other influences on Bahamian cooking come from the American South.

Bahamian Food: Native Seafood Dishes and Other Specialties

The Bahamas are known the world over for seafood. Conch is one of the signature foods of the Bahamas. This mollusk's meat is firm and white and can taste like clams, chicken or abalone. Conch is typically prepared in chowder, stew and salad, or as conch fritters and cracked conch, a deep-fried delicacy. Some other dishes include:

• Boiled fish and grits: A popular breakfast of the islands, this dish is usually made with grouper, a flaky, white and mild-tasting fish.

• Peas n' rice: Pigeon peas are paired with salt, pork or bacon, tomatoes, rice, celery, pepper and thyme to make this island favorite.

Sweet Cuisine in the Bahamas: Desserts of the Islands

A popular ingredient in Bahamian desserts is coconut, as these trees are in abundance on the islands. Exotic Caribbean fruits also play a role in island desserts, which include:

• Coconut tart: This baked dessert features grated coconut, ground nutmeg, cinnamon, flour, milk and eggs.
• Guava duff: This beloved tasty treat is made by folding fruit into dough and boiling it in a cloth bag. It's served with a guava sauce that's usually spiked with rum.
• Johnny cake: This dish is pan-cooked bread made from milk, butter, baking powder, flour, salt and sugar.
• Rum cake: Flavors like pina colada, banana and chocolate make this Bahamian specialty a favorite for tourists and locals. You can even tour the Bahamas Rum Cake factory in Nassau.

Living in the Bahamas: Popular Beverages

Staying hydrated in the warm Bahamian weather is a must. The islands offer a wide variety of delicious drinks to complement the climate, including:

• Kalik beer: The national beer of the Bahamas, Kalik, is difficult to find outside of the islands and is named for the sound of the cowbells during Junkanoo.
• Rum: Popular cocktails of the Bahamas include rum, like the pina colada, Bahama breeze, Bahama mama and the Goombay smash.
• Switcha: This simple drink is perfectly designed for the climate of the Bahamas--water, sugar and lemon on ice.

Maintaining an Active Retirement in the Bahamas

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

Living in the Bahamas has been compared by many to living perpetually in the month of June, with tropical temperatures hovering around 75 degrees Fahrenheit year round. The pleasant weather makes it easy to have an active retirement in the Bahamas, both physically and socially.

Active Retirement in the Bahamas: Annual Island Events to Enjoy

Bahamians love to celebrate, and as a retiree in the Bahamas, you're welcome to do the same. Many annual festivals and events bring revelers together all over the islands.

Junkanoo: A few hours before dawn on New Year's Day, a Mardi-Gras style festival celebrating traditional Bahamian music and dance erupts in Nassau, Freeport and the Out Islands. Men, women and children participate.
Long Island Regatta: Each May, Long Island hosts one of the commonwealth's many regattas. This event is accompanied by a carnival-like atmosphere onshore, with music, food, sporting events and markets.
Independence Day: July 10, the Bahamian Independence Day, is celebrated for a full week leading up to the holiday, with parties, parades and fireworks all over the country.
Guy Fawkes Day: November marks this unique holiday. Nighttime parades through Nassau culminate in the hanging and burning of an effigy of Guy Fawkes, an Englishman behind the Gunpowder Plot of 1605, a failed attempt to assassinate King James I of England.

Living in the Bahamas: Popular Local Recreation

Recreational sports popular with tourists and locals of the Bahamas include fishing, sailing, boating and horseback riding. As a spectator, you can often catch soccer, rugby and cricket matches, track and field events, swim meets and American sports like baseball, softball and basketball. Regattas are incredibly popular on the islands.

Activities in the Bahamas: Adventures Around the Islands

One of the advantages of retiring in the Bahamas is that you have daily access to some of the most sought-after vacation destinations in the world.

Dolphin Encounters at Blue Lagoon: Swim with dolphins and sea lions in this seawater facility on Salt Cay, also known as Blue Lagoon Island, which is just three miles from Nassau.
Gold Rock Beach: Located at the Lucayan National Park in Freeport on Grand Bahama Island, this beach oasis expands into the sea at low tide.
Pinetree Stables: One of the most unique ways of getting around the Bahamas is on horseback. This company offers two-hour guided tours of Grand Bahama Island with horses, taking guests through the endangered pine forest, over the dunes and more.

Anticipating the Cost of Living in the Bahamas and When to Rent or Buy

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

The Bahamas has no taxes on sales, income or capital gains, so the government must make its money from import taxes and duties. The cost of living in the Bahamas can prove relatively high compared to other retirement destinations in the western hemisphere.

The Cost of Living in the Bahamas: How it Compares to the U.S.

The United States and the Bahamas have two entirely different economic structures, and where one offers savings, the other has high costs. Due to the lack of domestic taxes in the Bahamas, food, cars and clothing are typically more expensive compared to the United States. Businesses must pay high taxes to import goods, and those expenses are often passed down to the buyers. But as sticker prices on basic items are higher than those in the United States, Bahamians are compensated by the savings on their tax bill. By American standards, the cost of living in Nassau, the capital city of the Bahamas, is comparable to that of New York City. Food and personal care purchases are close to a third higher in Nassau, but housing is far more expensive in New York City. Living in Nassau is almost a third more expensive than living in Chicago, and nearly a fourth more expensive than living in Dallas.

How Stable is the Bahamian Currency?

The Bahamian dollar is based on the U.S. dollar system, where one Bahamian dollar equals 100 pennies. Both currencies are equivalent--one U.S. dollar is equal to one Bahamian dollar. You can spend either U.S. or Bahamian dollars while on the islands, but Bahamian money isn't very valuable outside of the commonwealth. Bahamian currency is not based on a gold standard, or the fixed weight of gold. Instead, the Central Bank of the Bahamas, similar to the U.S. Federal Reserve, regulates the monetary system. The Bahamian government purposefully ties the Bahamian dollar to the U.S. dollar in value, so officials are constantly working to maintain parity through stabilizing credit controls and other economic techniques.

Should I Buy or Rent a Home in the Bahamas?

The Bahamas is a hot market for real estate and new developments are taking shape all over the islands. Both rentals and permanent homes are available, but purchasing a home may be the best option for your Bahamian retirement. Foreign investment in the commonwealth is encouraged, and residency permits are usually expedited for people who invest more than $500,000 in the country. One of the major benefits of retiring in the Bahamas is that many homes, either rented or bought, come furnished, so you won't have to worry about importing your furniture.

Arts and Entertainment Opportunities in the Bahamas

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

When retiring abroad in the Bahamas, you don't have to give up the arts and entertainment that you're used to at home. Movie theaters and music halls host artistic events throughout the year in the Bahamas.

Entertainment Opportunities in the Bahamas

While in the Bahamas, keep your ear out for the traditional sounds of island music. Reggae, Calypso, Junkanoo and Rake n' Scrape bands can be found all over the Bahamas. Junkanoo is street parade music native to the Bahamas and Rake n' Scrape features musicians banging on goombay drums and scraping carpenters' saws. Calypso is rhythmic Afro-Caribbean style from Trinidad and Reggae hails from Jamaica. Residents of the Bahamas have an active social life and often enjoy the commonwealth's vibrant nightlife. Although the islands can be a haven for college students on spring break, many popular bars and restaurants in the Bahamas prefer to cater to the locals.

Museums and Galleries: Enjoying the Arts While Living in the Bahamas

The islands of the Bahamas are teeming with artists and history. Galleries and museums are open for residents and tourists alike to enjoy these national treasures.

Bahamas Historical Society Museum: Island heritage ranging from the pre-Columbus era to the 21st century is preserved in this building.
Chan Pratt's Art Gallery: Bahamian artist Chat Pratt is famous for depictions of the landscapes and homes of the islands.
Charlotte's Gallery: Bahamian art, like paintings, pottery, prints and creative gifts, are on display and for sale.
Nassau Public Library and Museum: Formerly a jail, the prison cells are now filled with books. The library also has a number of historic prints, colonial documents and Arawak artifacts in its collection.
Pompey Museum of Slavery and Emancipation: An auction site for slaves in the 18th century, this museum now documents the history of slavery and emancipation on the islands.

The Bahamas Film and Television Commission: The Islands on the Big Screen

Movie buffs will have many opportunities to see Hollywood productions filming all over the islands thanks to the Bahamas Film and Television Commission. A division of the Ministry of Tourism, this organization works to bring the culture of the Bahamas to the big screen. Recent movies shot in the Bahamas include "The Pirates of the Caribbean," "Fool's Gold," "Why Did I Get Married, Too?" and "Miracle at St. Anna."

The Geography and Climate of the Bahamas: Choosing Where to Live

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

With islands of a variety of different sizes and beautiful tropical weather year-round, the geography and climate of the Bahamas is very appealing for retirees looking for a sunny place to call home.

Weather in the Bahamas: Get Used to Sun and Humidity

The Bahamas, a Caribbean island chain just 50 miles from Florida, seemingly lives in the month of June, with approximately 310 days of sunshine per year and monthly average temperatures between 70 and 85 degrees Fahrenheit year round. In the summer months, from May to September, the temperature rarely rises above 90 degrees during the day, and generally drops about 10 degrees at night. The relative humidity in the Bahamas averages 65 percent throughout the year, which is fairly high.

The Tropical Climate of the Bahamas: Hurricane and Rainy Seasons

The rainy season lasts from May through October, but most of the area's precipitation comes in the form of short bursts of rainfall. Rainfall can reach 8 inches or more in these months. Southern islands are normally half as susceptible to rain as the northern islands. Hurricane season in the Bahamas runs from June to November. These tropical storms can sometimes cause people to panic, but major hurricanes are infrequent and satellite technologies on the islands usually give ample warnings of impending storms. While retired in the Bahamas, pay close attention to the weather forecasts.

Living in the Bahamas, a Geographic Marvel

The Bahamas are a collection of 700 islands and 2,500 islets or cays--small sandy islands formed on the surface of coral reefs. Geographically, the Bahamas are part of the Caribbean and stretch more than 650 miles. When the sea level dropped hundreds of years ago, coral reefs became dry land that created many of the Bahamian islands. The commonwealth's highest peak is Mount Alvernia on Cat Island, which is just 206 feet above sea level. The majority of the island's geography is flat, rocky or swampy, and the beaches are covered in white and pink sand. When traveling to and from the Bahamas, you won't find major rivers, just one on the island of Andros. If you want forests near your home, you'll have to live on one of the four northern islands: Grand Bahama, Great Abaco, New Providence or Andros. The southern islands have fertile soil, but it's a thin layer and not ideal for large plants like trees.

Getting Around the Bahamas: Navigating the Archipelago

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

Retirees have many options for getting around the Bahamas, from sea travel to driving and island hopping by plane.

Getting Around the Bahamas by Boat

Retirees in the Bahamas have many options when it comes to sea travel. If you have your own boat, the Bahamian government encourages you to explore the islands whenever you prefer. The Fast Ferry is an air-conditioned, high-speed boat that takes riders from Nassau to many ports throughout the Bahamas, like Andros, Eleuthera and Harbour Island. Local ferries, known as water taxis, shuttle people from neighboring islands and cays or between different island groups. These trips are convenient and lively, as these boats are often captained by colorful personalities. Mail boats offer a leisurely way to get around the islands. These boats make weekly round-trips to all islands and allow passengers the chance to slow down and enjoy their trip.

Transportation in the Bahamas by Air

Islanders use inter-island flights like many Americans travel by bus or train between major cities. Companies that offer flights within the Bahamas include Bahamasair, Abaco Air, Southern Air and Western Air. If you are traveling to the Out Islands, you will have to travel by day as the smaller airports are not properly lit for night landings.

Buses and Taxis: The Affordable Travel Alternative

Buses, referred to as jitneys, are available on most major islands like Nassau and Grand Bahama. These trips cost between $1.25 and $2.25 per person depending on the distance you travel and service runs from around 6:30 in the morning to 7:00 at night. Bus stops are clearly marked throughout the commonwealth. Taxis can be hailed on most major streets, and hotels and airports often have taxi stands. Taxi meter rates are fixed by law and differ depending on which island you're on, although the prices are often reasonable.

Basic Automobile Know-How for Living in the Bahamas

Traffic in the Bahamas moves opposite from that in the United States, on the left side of the road. Roundabouts, or traffic circles, are common. Pedestrians and motorcyclists are often moving through traffic, so keep an eye out for them, particularly when driving in larger cities like Nassau. After rain storms, some roads on the islands can become flooded, so exercise caution when driving after rainfall. Nearly half of the roadways on the islands are unpaved. Bicyclists, moped drivers and pedestrians should traverse Bahamian roads defensively, as poorly maintained, excessively loaded vehicles and distracted drivers are common. These precautions are key to staying safe in the Bahamas.

So Close to the U.S.: Traveling to and From the Bahamas

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

Traveling to and from the Bahamas is convenient by both air and sea thanks to the island nation's close proximity to the United States. Just 50 miles from Florida, this archipelago is an idyllic tropical getaway that will help retirees feel thousands of miles from home.

Traveling to the Bahamas by Air

With close to 60 airports on the islands, traveling to and from the Bahamas by air is incredibly convenient. Flights from Miami to the Bahamian capital of Nassau can take just 35 minutes, traveling from New York City can take under three hours and flights from Los Angeles only take seven hours. Generally, the most expensive time to fly to the Bahamas is the winter. Fall, spring and summer flights are usually more budget-friendly. Most major airlines service the Bahamas from the United States, including AirTran®, American Airlines®, Continental®, Delta,® JetBlue®, United® and US Airways®. After years of complaints about an inefficient airport system, the Bahamas took on a $409 million airport redevelopment in 2009. The country hopes to add 585,000 extra square feet in terminal space and 34 more gates to its airline infrastructure to accommodate 50 percent more air passengers.

Cruise to the Bahamas: Traveling to the Islands by Sea

To make your trip to the Bahamas a fun adventure instead of a quick trip, you may want to consider taking a cruise to your destination. Over 20 cruise lines service the Bahamas, including Carnival, Holland America and Royal Caribbean. Most cruises dock in either Nassau or Freeport, but some smaller cruise lines visit other ports of call. You can choose from a luxurious, slow-moving mode of travel or a growing trend known as cruise ferries. The Discovery Cruise Ferry offers day trips that take you from Florida to Grand Bahama Island in two and a half hours. The Bahamas are also accessible by your own boat. You must clear customs and immigration at one of the nation's Ports of Entry before you can dock your vessel. The largest ports are Freeport and Nassau. Upon entering the port, fly a yellow quarantine flag to alert customs that you need to be officially admitted. Each passenger on the ship will be required to show proof of citizenship with a passport or another form of photo identification. Be prepared to pay $150 to $300 in entry fees, which include a cruising permit, fishing permit and departure tax. The cost of living in the Bahamas is affordable for residents thanks to these taxes and fees.

Required Documents for Retiring in the Bahamas and the Nation's Taxation System

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

The Bahamas are a perfect destination for retirees who have money to invest in the islands and don't plan on seeking employment while retired. Few documents for retiring in the Bahamas are required, and the taxation system in the country is based on imports and trades. No taxes are levied on sales, income or capital gains.

Entering the Bahamas: The Basic Requirements

If entering the Bahamas by air, U.S. citizens must present a valid passport, but don't need a visa for short trips. If visiting the Bahamas by sea, Americans can re-enter the United States with a passport, passport card or another Western Hemisphere Travel Initiative compliant document. The Bahamas only require proof of citizenship and identity to enter the country, but the United States requires that Americans have a valid passport to come home. When you arrive to the Bahamas, you will be required to sign an immigration form. Part of this document must be presented back to government officials when you depart the country. An oral baggage declaration is also required.

Necessary Documents for Retiring in the Bahamas

Obtaining permanent residency in the Bahamas can be difficult if you are looking for the right to work, but the documents for retiring abroad in this island nation are minimal. Your application approval will be reviewed faster if you plan to invest over $250,000 in purchasing a residence. If you do intend to work during your vacation, be aware that jobs often go to citizens of the Bahamas before a foreigner of the same caliber and experience level. To gain permanent residence in the Bahamas, you must prove that you are of good character with no criminal record and that you can financially support yourself. People with values of $500,000 or more will likely get accelerated consideration on their application.

Living in the Bahamas: The Taxation System of the Islands

Residents of the Bahamas do not pay income, capital gains, inheritance or sales taxes. The commonwealth is instead supported by import duties, business license fees, stamp duties and departure taxes. Although some trade tariffs cause problems as the country tries to reduce trade barriers, this form of revenue cannot be removed because the country refuses to consider income tax. Imports remain at the forefront of revenue for the government, meaning American ex-pats must consider entertainment opportunities in the Bahamas before importing any comforts from home.

How History Has Shaped the Culture of the Bahamas Today

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

The Bahamas are likely the first land seen by Christopher Columbus when he inadvertently arrived in the New World. Since then, English settlements have grown and the culture of the Bahamas has evolved.

Political Peace: Stable Government and Economy

The Bahamas, under British control since 1670, became an official colony of the crown in 1718 after piracy, as well as Spanish and Dutch interests, threatened the stability of the settlement. After over 300 years of English rule, the Bahamas gained independence from Great Britain, becoming a sovereign nation in 1973. The nation had voted democratically and peacefully for over 100 years before this symbolic event. The islands of the Bahamas have benefited from many American struggles. British loyalist colonists escaped to the island chain (many with slaves) after the American Revolution, which helped to grow the population. During the American Civil War, nearly 100 years later, the islands became a supply base for the Confederacy. And in the 20th century, Prohibition in the United States brought an economic boom to the Bahamas, where alcohol, particularly rum, was readily available. Today, offshore finance and tourism fuel the economy.

Historical Sites to Visit While Living in the Bahamas

Retirees will have plenty of exploring to do on the islands of the Bahamas, especially if they are interested in history. Many landmarks and natural sites exists almost unchanged on the islands today.

Fort Fincastle: Found in Nassau, this fort was built by Lord Dunmore in 1793. It offers panoramic ocean views.
The Caves of New Providence: Less than seven miles from downtown Nassau are the Caves, one of the most fascinating relics of the cultural and geological history of the Bahamas. Natives on the island, the Lucayans, likely inhabited the Caves, and it's said that Blackbeard and other pirates stored their stolen goods there.
The Queen's Staircase: These 65 steps were carved out of solid limestone by slaves between 1793 and 1794. This site is one of the most-visited attractions in Nassau because of its remarkable construction.

Bahamian Culture: English Influence Over Language and Cuisine

Puritans from England first arrived in the Bahamas in the 1640s, nearly 150 years after Christopher Columbus first made landfall in the New World on the Bahamian island of San Salvador. The English came in search of religious freedom. Today, English remains the official language of the islands, but many residents speak an English-based creole, often referred to as Bahamian English. The cuisine in the Bahamas also still bears the mark of British influence, especially foods like meat pies, stews and bread.

The Popular Benefits of Retiring in the Bahamas

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

As you research the best places to spend your retirement, investigate the benefits of retiring in the Bahamas, such as the phenomenal weather, accessibility and tons of recreational opportunities.

Major Benefits of Retiring in the Bahamas: Warm Weather and Sunshine

The Bahamas enjoy warm weather year-round. In the winter, average temperatures are around 70 degrees Fahrenheit. During the warmest months, June through August, temperatures range from 80 to 90 degrees with high humidity. Evening temperatures are generally 5 to 7 degrees lower, and the difference is barely noticeable from the day time, allowing you to enjoy your retirement around the clock. The Bahamas experiences rainfall throughout the year, but heavy squalls and thunderstorms pass quickly, often leaving glistening sunshine in their wake. The southern islands experience half the amount of rain of the northern islands, and the rainiest months for the entire island chain are May and June. The Bahamas also experience hurricanes from June to November.

The Commonwealth of the Bahamas: An Easy Trip for Loved Ones in the United States

The northernmost islands of the Bahamas are approximately 50 miles from Florida, making a visit to this island chain a convenient trip. Retirement on the islands of the Bahamas affords you the best of both worlds--privacy in paradise and easy access to friends, children and grandchildren.

By air: The Bahamas boast 57 airports, 24 of which are official Ports of Entry and three of which are international. The most frequent destinations are Nassau, Grand Bahama Island and the Out Island. A flight from New York City to the Bahamas can take as little as two hours.
By cruise: The Bahamas are a popular destination for cruise ships.
By ferry: Two cruise-like ferries take day and overnight trips to the Bahamas from south Florida, one that arrives at Nassau Paradise Island and another at Grand Bahama Island.

Plenty of Recreation in the Bahamas

The most popular recreational activities for residents of the Bahamas include jogging, swimming, soccer, cricket, squash, tennis and fishing. Exciting activities in the massive archipelago, including water skiing, wind surfing, jet skiing and scuba diving, will help you have an active retirement in the Bahamas. Bahamians also love to watch football and basketball, and you'll find many sports fans cheering on the Miami Dolphins, a beloved team on the islands.

Planning Your Finances: Smart Investments For American Retirees In Costa Rica

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

Costa Rica is a popular retirement destination, due in part to the country's relatively inexpensive cost of living. Learning about smart investments for American retirees in Costa Rica will only be to the benefit of your retirement planning.

Smart Investments for American Retirees in Costa Rica

Despite the fairly low cost of living in Costa Rica, retired Americans in Costa Rica may find it helpful to create a retirement budget. You'll need to figure out how much you'll regularly spend and ensure that you won't find yourself lacking for money. The necessary financial resources for living in Costa Rica will depend on the type of lifestyle you plan for your retirement years. An extravagant lifestyle will always cost more. The amount of money you'll want to save up will also depend on where you plan on living. Buying a home in the countryside will be cheaper than buying a condo in San José. You'll want to plan on spending around $1,500 U.S. dollars (USD) a month. This amount can cover everything from rent to groceries and other purchases depending on your lifestyle.

Exchange Your Currency When Living In Costa Rica

The official currency of Costa Rica is the colon. Colones replaced the Spanish peso in 1896, and have maintained a relatively steady value since. Upon arriving in Costa Rica, you'll need to convert your dollars into colones, which can be easily done at a local bank. One of the statutes of eligibility for a Costa Rican retirement visa is maintaining a certain income. As of March 2010, this is $1,000 USD for the Pensionado program or $2,500 USD for the Rentista program. These funds must be converted into local currency each month.

Invest In a Costa Rican Business

Retirees living in Costa Rica may choose to supplement their pension income by investing in local Costa Rican businesses. Retirees are ineligible to officially work in Costa Rica, so investing is a good way to acquire income. The economy of Costa Rica can be fickle, and is subject to inflation, as is the case in most other developing countries. Even so, the economy has been considerably stable throughout recent decades. It is more established than that of numerous other Latin American countries. Before choosing Costa Rica as your retirement destination, be sure to learn about the healthcare system in Costa Rica. Medicine and health care will be another important factor of your budget planning.

Living In San José: Retiring To Costa Rica's Capital City

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

You don't have to live out in the wilderness to experience the beauty and culture of Costa Rica. Retiring to Costa Rica's capital city, San José, will give retirees all the luxuries and conveniences of a modern city. At the same time, you won't be far away from the tropical beaches and untouched rain forests of this Latin American country.

Affordability Of Retiring To Costa Rica's Capital City

Living in a city is almost always more expensive than living in a rural area. Even though retiring to San José will cost more than retiring to the countryside, it is still considerably cheaper than living in an American city. Real estate is inexpensive in Costa Rica, and rent on a spacious apartment in the heart of San José can cost less than $1,000 US per month. Property tax is also low in Costa Rica, less than one percent of the appraised value of the property.

Retiring To Costa Rica's Capital City: Convenience

Public transportation is readily available at low costs in San José. Grocery stores and markets are abundant, and a large number of street vendors provide fresh fruits and vegetables daily. Hospitals, clinics and pharmacies are present all over San José, providing excellent and affordable health care. Stores of all kinds are plentiful, as are large shopping malls. As San José is a popular tourist destination and retirement location, most Costa Rican locals have a basic understanding of English. Many native citizens are completely bilingual.

Entertainment For Retirees In Costa Rica's Capital City

San José offers all the entertainment options of a typical major city. Concert halls, outdoor stadiums and fields frequently host local and international bands, as well as orchestras and operas. Hundreds of bars and clubs populate the city, especially in El Pueblo, the principle nightlife district of San José and one of the prominent centers of culture in Costa Rica. Living in San José gives American retirees easy access to outdoor activities. Pleasure cruises, hiking and biking trips through jungles and mountains, and rafting and kayaking excursions are all within reach. The wildlife in Costa Rica is particularly diverse, and many choose to spend significant amounts of time bird and animal watching. If you are considering retiring to San José, be sure to educate yourself on dining out in Costa Rica. Restaurants serving up all types of local and international cuisines are easily located in the capital city.

Retiring In Costa Rica: Experiencing the Nightlife Of Costa Rica

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

When you think of Costa Rica, images of sun-soaked tropical beaches and beautiful jungles may first come to mind. However, Americans in Costa Rica may be interested in the country's vibrant nightlife, as well.

Experiencing the Nightlife of Costa Rica: San José And El Pueblo District

As with many countries, the liveliest nightlife is in Costa Rica's large cities. The metropolitan area of San José, the capital city, is home to nearly one-third of the country's population. Bars, nightclubs, restaurants, theaters and concert halls are plentiful in San José, but the real nightlife is in El Pueblo District. El Pueblo District, located a short distance from downtown San José, has dozens of bars, clubs, restaurants and stores. Quiet, relaxed-atmosphere bars are spaced between huge nightclubs and discos. El Pueblo can get very crowded at night, especially on the weekends, and many of these venues don't close until the wee hours of the morning.

Living in Costa Rica: Dining and Dancing

In addition to many restaurants serving native cuisine, Costa Rica has a good selection of international eateries, including Peruvian, Thai, Chinese, Chilean, Argentinean and American. Nearly all fast-food businesses deliver in Costa Rica, even franchises that don't offer this service in the United States. Costa Ricans are known for their love of dance. You'll find clubs with large dance floors, featuring a wide spectrum of dance styles, from tangos to classic ballroom dances.

Experiencing the Nightlife of Costa Rica: Live Music

Live music is very popular in Costa Rica; many international bands and artists perform in San José. Chamber concerts frequently take place in the capital city, and local bands perform in many bars and clubs. Talented street performers are common, especially in El Pueblo.

Theaters and Casinos in Costa Rica

The cities in Costa Rica have movie theaters, though they're often late to get new releases. This inconvenience is offset by the high quality of the theaters, and the low price of admission. San José has many casinos, offering everything from blackjack to Texas hold 'em. If you're interested in other things to do outside of the nightlife, you'll have no trouble finding other activities for American retirees in Costa Rica.

The Healthcare System In Costa Rica: The Medical Attention Available To Americans In Costa Rica

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

A major consideration for retirees searching for a country to retire in is the destination’s health care offerings. Once you've read up on the health care system in Costa Rica, you'll be able to retire free of doubt in this Latin American country.

Quality of the Health Care System in Costa Rica

The average life expectancy for citizens living in Costa Rica is 77.72 years, only slightly lower than the United State's 78.37 (CIA World Factbook, 2011). While Costa Rica is classified as a developing country, the health care system is advanced and modern. The government sponsors a network of 30 hospitals and 250 medical clinics alone, and then there are many privately-affiliated hospitals and labs as well. Many Costa Rican doctors are trained in the United States, Canada or Europe, and have access to the latest equipment and technology. The majority of health professionals in Costa Rica are fluent in English and may offer house calls.

Universal Health Care in Costa Rica

Universal health care is provided for Costa Rican citizens and permanent residents. While living in Costa Rica, you are eligible to apply for the Caja Costarricense de Segura Social (CCSS), the national health care program. Even non-resident foreigners can get social security medical coverage by paying a fee. Private sector health care is also available through the Instituto de Seguro Nacional (INS) in Costa Rica. Health care is much cheaper in Costa Rica than in the United States. For example, a heart bypass costs roughly one third of what the procedure would cost in the United States. Reports of scam artists posing as medical practitioners in Costa Rica have surfaced. You are encouraged to get a recommendation for a doctor from a reliable friend before undergoing any procedures.

Finding Medicines in Costa Rica

Americans in Costa Rica will find that a large percentage of drugs that require a prescription in the United States are available over the counter at Costa Rican pharmacies. Strong pain relievers and narcotics still require a prescription. Additionally, your savings on drugstore expenses will be considerable; the prices on most drugs are considerably lower, and most pharmacies employ bilingual employees to help you should you have any questions or concerns regarding a medicine or prescription.

The Health Care System in Costa Rica: Medical Tourism

With the cost of health care being so low in Costa Rica, and the quality of medical professionalism being so high, the country has become a popular and world-class medical tourism destination. Well over ten thousands Americans looking for everything from cosmetic surgery to liver and kidney transplants come to Costa Rica every year. When planning an extended stay in Costa Rica, you'll want to consider a preliminary trip to assess your feelings of the country.

Dining Out In Costa Rica: What American Retirees Can Expect To Eat

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

When choosing a country to retire in, one of the primary concerns is finding a nation with great cuisine. Dining out in Costa Rica will expose American retirees to the flavorful food and drink of this Latin American country.

Dining Out in Costa Rica

The main components of many Costa Rican dishes are rice and beans. Gallo Pinto is the national dish, consisting of fried rice and black beans. Unlike other Latin American cuisines, Costa Rican food is not considered to be spicy. Common vegetables found in dishes include zucchini, potatoes, onions, peppers, chayote and calabaza. A popular lunch meal is the casado, made from a combination of rice, beans, a cabbage and tomato salad, fried plantains and meat. Chunks of cheese are often served with these meals, along with tortillas. Most meat dishes are beef, chicken or fish. Large areas of rain forest have been cleared in Costa Rica for cattle pastures, as beef is ubiquitous in the nation's cuisine. Beef in Costa Rica tends to be much tougher than American beef. Costa Rica exports much of its shellfish, so lobster and shrimp can be difficult to find within the country. Salsa Lizano, or Lizano sauce, is a Costa Rican sauce used in the preparation of many dishes and as a common table condiment. It is slightly sweet, with a hint of spiciness.

Culture of Costa Rica: Costa Rican Drinks

A number of the popular beverages in Costa Rica are:

Agua de Pipa: coconut water
Agua Dulce: a water beverage sweetened with sugarcane juice
Fresco de Frutas: a fruit drink, consisting of water or milk filled or blended with slices of fresh fruit, such as bananas, mangoes, pineapples and papayas
Cacique Guaro: The national liquor of Costa Rica, guaro is derived from sugarcane and is usually taken as a shot or mixed with soda or juice.
Horchata: a cinnamon flavored cornmeal-based drink. Costa Rican coffee is world-renowned, and serves as one of the country's major exports. Exported Costa Rican coffee tends to be quite strong, while local Costa Ricans typically drink milder blends.

Dining Out: Restaurants In Costa Rica

Meals at restaurants in Costa Rica tend to be more expensive than in other Latin American countries. For Americans or other expatriates retiring in Costa Rica, this cost will be relative, as a full meal will usually cost less than $10 USD. If you are considering retiring to Costa Rica's capital city, you'll find that San José features the greatest variety of restaurants in the nation.

Retiring In Costa Rica: Activities For American Retirees In Costa Rica

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

As you research activities for American retirees in Costa Rica, you'll find plenty of exhilarating and relaxing activities for your golden years.

Activities for Americans in Costa Rica: Water Sports

If you're quickly bored by inactivity, Costa Rica has lots of exciting water sports, including white water rafting and kayaking. You can find rivers suitable for nearly any level of fitness or experience, guaranteeing a thrilling journey through the tropical wilderness. You can also surf or scuba dive in Costa Rica; the abundance of marine life in the region will make the experience fun and fascinating.

Taking Canopy Tours of Costa Rica's Jungle

Canopy tours of Costa Rica began as an effort of American scientists looking to study trees and wildlife--without touching any plants or animals. Some canopy tours use rope bridges and walkways connecting platforms high up in the rainforest trees, while others use zip lines.

Visiting the Arenal Volcano National Park

The Arenal Volcano National Park, located in the center of Costa Rica, surrounds the Arenal Volcano, which has been active since July 29th, 1968. Lava and hot ash continuously pour out of the volcanic vents, creating natural evening fireworks to be safely viewed from a distance. Many outdoor activities like ATV-off roading and windsurfing are available in the park, and you can soak in thermal springs at nearby resorts.

Activities for American Retirees in Costa Rica: Leisurely Pursuits

In addition to simply relaxing on the beach and reading a book, retiring in Costa Rica offers various other leisure activities. The country features plenty of spa facilities and golf courses. If you're a coffee aficionado, consider taking a coffee tour. You'll learn how Costa Rican coffee is grown, harvested and processed--and you'll be able to sample a cup or two! You can also book a cruise or tour of lakes, gulfs and the Caribbean. Fishing is common all over Costa Rica; the country's Pacific Coast is particularly renowned for world-class sport fishing. Bird-watching is another popular pursuit in Costa Rica, which is home to many colorful and rare birds, including toucans, parakeets, macaws and other types of parrots. The geography and climate of Costa Rica varies widely across the country. Many hiking, biking, horseback riding and walking trails allow retirees to fully experience the natural features of this Latin American nation.

Retiring In Costa Rica: Planning an Extended Stay In Costa Rica

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

Visiting a foreign country can be complicated enough, and when trying to move or retire to one the undertaking can seem particularly daunting. When planning an extended stay in Costa Rica, you'll want to appraise the various retirement options available to you.

Entry and Exit Requirements of Costa Rica

In order to enter Costa Rica, U.S. citizens must present a passport that will remain valid for at least 30 days after your arrival. Ensure that your passport is in good condition, as Costa Rican authorities may deny entrance to the country if your passport is damaged in any way. You must also hold a round-trip ticket. Many airlines will not allow passengers with one-way tickets to board flights to Costa Rica unless they have Costa Rican citizenship, residency or a proper visa. If you're looking to retire in Costa Rica, you'll need to look into getting a residency visa to live year-round in the country. You can initiate this by contacting a Costa Rican embassy near you. Embassies are located in the following U.S. cities: Austin, Los Angeles, San Diego, San Francisco, Miami, Tampa, Atlanta, Chicago, New Orleans, Albuquerque, New York City, Durham, Philadelphia, Houston and San Antonio.

Planning an Extended Stay in Costa Rica

Two retirement visa programs are available for Americans in Costa Rica. The pension-based residency (Pensionado) program requires you to demonstrate that you have a permanent fixed income from a pension of at least $1000 U.S. dollars (USD) per month. Acceptable fixed income programs for the Pensionado program include Social Security, military pensions and private sector business pensions.

Retiring In Costa Rica: Rentista

The second type of visa program available for Americans in Costa Rica is the investment income based residency (Rentista). In order to be eligible for this program, you must demonstrate that you have a permanent fixed income of over $2,500 USD per month (guaranteed by a bank) and reside in Costa Rica at least four months out of the year. With both visas, you must convert that monthly amount into local currency. No matter which retirement visa program you enroll in, while living in Costa Rica you'll be required to prove on an annual basis that the required funds were deposited to you in Costa Rica and converted to local currency. With these regulations in mind, you may consider looking into some smart investments for American retirees in Costa Rica when making your retirement budget.

Retiring In Costa Rica: The Geography And Climate Of Costa Rica

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

You'll want to consider the geography and climate of Costa Rica before purchasing a retirement home there. The tropical country is home to an eclectic range of landscapes.

The Geography and Climate of Costa Rica

Costa Rica is located on the Central American Isthmus, situated between Nicaragua and Panama. The terrain of Costa Rica is a coastal plain, separated by rugged mountains running north to south through the center of the land. At least 100 volcanoes are documented in the mountains, five of which are currently active. The large amount of volcanic activity results from Costa Rica's location on the border of two tectonic plates, the Cocos Plate (on the Pacific side) and the Caribbean Plate. The Caribbean Sea lies to the east of Costa Rica, and the country's west coast faces the Pacific Ocean. The tropical lowlands on the coasts of Costa Rica are one of the main geographical areas in the country. The other regions are the North Central Plains, the Central Valley and the Northwest Peninsula. The Central Valley is home to the capital city, San José, as well as the majority of Costa Rica's population.

The Climate of Costa Rica

When retiring in Costa Rica, one of the first things to consider is where you'd like to live in the country. The highlands have a remarkably different climate than the coastal regions. Different activities are more readily available in certain areas than others. Temperatures are mild in the central highlands of Costa Rica, while the coastal flatlands see high tropical temperatures and high levels of humidity. The average daily temperatures in the cooler highland regions fall within the general range of 50 to 70 degrees Fahrenheit, while the tropical regions are hotter, between 70 and 90 degrees.

Living In Costa Rica: Seasons

Significantly different seasons do not exist in Costa Rica, due to its close proximity to the equator. The only two recognizable seasons in Costa Rica are the rainy season and the dry season, which vary depending on the region. The rainy season is aptly named. Some regions of Costa Rica receive more than 240 inches of rainfall annually, so you'll want to be prepared for the extremity of the weather during these periods. After you have some information regarding the geography and climate of the country, consider reading up on Retiring in Costa Rica.

Retiring In Costa Rica: What American Retirees Should Know About the Tropical Destination

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

Retiring in Costa Rica is a very popular choice for American retirees for a number of reasons. It is fairly close to the United States, and travel between the two countries is an easy and uncomplicated process.

Retiring in Costa Rica: Ease Of Adjustment

Costa Rica is a popular tourist and retirement destination, and Costa Ricans are well-used to visitors. Costa Ricans are noted for their warm and accepting treatment of foreigners. Many retirees living in Costa Rica speak on the polite and non-confrontational nature of Costa Ricans. The official language of Costa Rica is Spanish, though many Costa Ricans speak English. A basic understanding of Spanish will still be helpful when traveling throughout Costa Rica and Central America at large. A handy point of reference, such as a pocket dictionary, will prove indispensable when looking over maps or street signs. You'll be able to keep yourself informed regarding current events in the United States and around the world, as English-language newspapers are readily available in Costa Rica.

Financial Benefits Of Retiring In Costa Rica

Costa Rica is known as a "tax haven", meaning that foreign residents in Costa Rica will not be taxed on incomes earned in other countries. The cost of living in Costa Rica is generally much lower than that of the United States. As an example, many food items cost about half of the average U.S. price. Costa Rica's economy is reasonably stable, and many retirees choose to invest in local businesses. Property tax in Costa Rica is fairly low. Health care is inexpensive when compared to America, and many doctors in Costa Rica have been trained in the United States or Europe.

The Weather In Costa Rica

Perhaps the biggest draw for retiring in Costa Rica is the climate. Costa Rica experiences tropical weather year round, and is full of sun-soaked beaches and beautiful jungles.

Retiring In Costa Rica: Safety And Security

Costa Rica is a relatively safe country. Violent crime rates are very low, and no terrorist threats exist in the country. Nonviolent crimes including burglary and theft are present, especially in the capital city, San José. In order to be safe when experiencing the nightlife of Costa Rica, you'll want to avoid traveling alone or carrying large amounts of cash or valuables.

Telling Your Kids Why They Need to be Safe on the Internet

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

For children to be safe on the Internet, parents must discuss the specific threats and dangers that lurk online. You can set up the Fort Knox of Internet blocking and parental control software. But your efforts are useless if you don't have an open discussion with your children about the consequences of their Internet actions.

Dangers of the Internet: Exchanging Personal Information

Identity theft is one of the most common crimes committed online. Children should understand that exchanging personal information with strangers or on websites can put them in harm's way. This information can be used to gain access to a family's bank account information, address and other details, and can put children at risk of encountering cyber predators. Children may be unknowingly giving out important details about themselves by their online user names. Make sure your child avoids an online ID that divulges anything specific about him, like a name, location, birth date or interest. Encourage him to choose a generic screen name. Consider using a modified version of your child's name for her social networking page and make sure every privacy function possible is enabled through the site. This will make it harder for people to search for your child and find personal information about her.

Internet Safety Precautions: Discussing a Child's Online Reputation and Responsibilities

Children can fall victim to the many dangerous people and websites on the Internet, and they can do a lot of damage to themselves. Discuss the realities of your child's interactions online and the consequences that can come from abusing the medium. Teach your children to treat the words and photos they share on Internet like a permanent marker instead of a chalk that can easily be erased. These activities will stick with them, and some of these actions have prolonged negative consequences, even if a child promptly removes or retracts information. Simply "googling" a person's name can turn up seemingly endless information about nearly every action made by that person online. As a parent, act responsibly online regarding your children. Never use your child's full name online, especially when mentioning details about them or posting a picture on a social networking site or blog. Always use a nickname. The laws pertaining to internet safety will continue to combat these online forms of harassment and torment, and the consequences can be far more severe than enduring a bad reputation at school.

Services, Organizations and Other Resources for Internet Safety

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

Potential dangers for children may be lurking on the web, but there are excellent resources for Internet safety. Websites, run by numerous government offices and nonprofit organizations, offer Internet safety precautions for parents and children, and provide opportunities to report harmful activity online.

The National Center for Missing and Exploited Children Offers Internet Safety Support

The National Center for Missing and Exploited Children (NCMEC) runs a website called NetSmartz, providing children, parents, educators and members of law enforcement with age-appropriate Internet safety resources. Through games, activities and videos, NCMEC hopes to speak to children about the dangers of the Internet in an interactive way to help them understand. Their informational site touches on common web issues such as blogging, cell phones, cyber bullying, gaming, social networking and online predators. The organization's goal is to educate, engage and empower youngsters to keep them safe from online victimization. NCMEC also advocates open communication between children and trusted adults about online activities.

Kids Health: A Non-Profit Dedicated to the Overall Well-Being of Children

Kids Health, part of the Nemours Foundation's Center for Children's Health Media, is an organization dedicated to the overall well-being of children from a physical, emotional and behavioral standpoint. Its website offers information geared toward the three distinct viewpoints of parents, kids and teenagers. One of the biggest topics discussed on the site is healthy online behavior. Kids Health provides Internet safety precautions and other support for families, staying up to date with the latest technological advancements and related issues.

The FBI: An Online Resource for Reporting and Preventing Crimes Against Kids on the Internet

The Federal Bureau of Investigation (FBI) works tirelessly to protect children from computer crimes, and the organization's website is a comprehensive resource for parents looking to keep their kids safe on the Internet. One of the most helpful aspects of the FBI's web resources is their advice on identifying signs that your child is at risk of online predators. The site explains that children who spend large amounts of time online, especially at night, turn the monitor off when you come in the room and who have become withdrawn from family and friends may be involved in high-risk online behavior. The FBI's website has many additional Internet safety procedures, including ways to submit anonymous tips about crimes against children, report cyber scams and incidents and contact your local FBI field office.

Research and Studies of the Effects of the Internet on Children

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

The effects of the Internet on children have been studied for as long as the World Wide Web has been in existence, as parents worry that this far-reaching technology can be detrimental to their kids. The Internet can be a wonderful resource for children and teens, as they can access educational opportunities, support and other positives from the web. Researchers. however, are also finding that the Internet can have a negative effect on psyche and development, by increasing aggression and depression in pre-teens and teenagers and stunting their feelings about sexual behavior.

Effects of the Internet on Children: Aggression and Depression on the Rise

Investigators in Japan discovered in 2008 that daily Internet use by 10- to 12-year-olds tended to increase depression and aggression (International Journal of Web Based Communities, 2008). Researchers reversed the system of study and found that children who displayed the highest levels of depression and aggression were also the ones who used the Internet the most. The study also concluded, however, that Internet use didn't negatively impact loneliness. A similar study in 2010 of Chinese teenagers ages 13 to 18 found that teens who have an unhealthy dependence on the Internet are more than twice as likely to become depressed as other teens. Additionally, the study found that young people who are free of mental health problems before using the Internet pathologically can develop depression as a result (Pediatrics and Adolescent Medicine, 2010).

Dangers of the Internet: Pornography's Effect on Children

One of the most accessible dangers on the Internet is adult-only material like pornography. The Web is filled with easily accessible, sexually explicit images and videos that don't require passwords or credit card information. Many sites simply ask users to indicate that they are over 18. Over 40 million Americans visit porn websites each year, but these sites can have a profound affect on children and teens (American Psychological Association (APA), 2007). Studies have found it difficult to link access to Internet porn and certain attitudes in children. But some researchers have reported that young people who have viewed Internet pornography are more like to view sex as a purely physical function without thinking of the emotional, health or social complications. These sites, all of which are major risks of the Internet for kids, are viewed by 40 percent of teens and preteens either deliberately or accidentally (APA 2007).

Methods and Techniques for Blocking Inappropriate Websites

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

Blocking inappropriate websites is your first line of defense when protecting your children and the rest of your family from knowingly or unknowingly accessing harmful material on the Internet.

Some sites are filled with inappropriate material not suitable for children, while others are set up to steal personal information from you like credit card numbers and bank account details.

Internet Safety Precautions: How to Block Inappropriate Websites
For both PCs and Macs, blocking websites is an easy process. You can achieve this by adjusting your web browser's preferences. Open up your browser and look for a title that says "tools" on the task bar.

Usually, an option will come up that says "Internet options" or something similar. Under the privacy settings in this window, look for an option for sites. This program will then allow you to block specific websites one at a time.

Additional parental control software will allow you to block multiple sites by keyword or category, so contact your Internet service provider to find out what controls are available to you.

Dangers of the Internet: Common Threats Avoided by Blocking Websites
The Internet is a wonderful resource, but it can be a dangerous place for children and families if the proper sites aren't blocked.

Some dangers of the Internet include:

• Cyber bullying, harassment and stalking: Children and adults are susceptible to bullying, stalking and other harassment over the Internet, so try to block websites that could lead to such behavior.

• Identity theft: Hackers can gain access to your personal information and then exploit it for financial gain. Common practices include stealing social security numbers, bank account information and other personal details. Accessing sites that are not properly secured for purchases and account information put you at risk for this crime.

• Spyware: These programs gather personal information from your computer and send it back to another computer, usually for advertising purposes. Spyware is usually attached to freeware programs that you willingly download and can bring endless pop-up windows and leave security holes for hackers.

• Viruses, worms and trojans: Every introduction to Internet safety begins with these nuisances. These bugs have been around for as long as Internet technology. These programs cause harm to your computer and can be designed to steal information from your network, such as credit card information and passwords. Viruses attach themselves to files, trojans pretend to be harmless applications and worms replicate themselves through email address books.

Internet Safety Programs and Devices for Your Computer

Lifestyle Editor — Tue, 23 Aug 2011 09:23:00 GMT

The world wide web doesn't have to be an endless realm with no protections for your children. Many Internet safety programs and devices are available for your computer and other web-enabled devices that allow you to control what your children have access to online.

Internet Safety Precautions Already Built Into Your Service
Your Internet browser should allow you to block certain sites and words from your searches, and this program can be password protected to allow authorized adults to bypass the system.

Firewalls prevent unauthorized access from infiltrating your computer. Make sure that you have enabled your computer's firewall to prevent hackers from breaking into your system.

Internet Safety Programs: Additional Devices on the Market
If your computer doesn't come equipped with anti-virus and anti-spyware programs, make sure to purchase this software. Children and adults can unknowingly open links and click on sites that contain harmful viruses or worms that can steal information from your computer.

In addition to the parental controls available through most Internet service providers, several safety devices are available on the market that help protect kids. Some companies offer software upgrades, while others sell devices that plug into your computer and record online activities like an airplane's black box. Even if the computer's history is erased, the devices will still have information about every site visited.

Internet Safety Precautions and Programs for Smartphones and Tablet Devices
Smartphones and tablets have brought a new window to the Internet to our finger tips, but they have also made the Internet more accessible to young children and teens. Be careful when loaning your device to a child for them to make a phone call or play a simple game.

Touch screens and instant purchases make this a dangerous realm. Parents have found mysterious charges on their phone bill after children unknowingly purchased new apps or add-ons for the phone. Children can also gain one-touch access to the Internet through a smartphone, where the safety checks and blocking systems on your computer don't apply.

Although your kids may know how to be safe on the Internet, navigating the web on a smartphone or tablet is a different ballgame. Many devices allow you to require a password or code to access the screens after they have gone idle or been turned off. This safeguard can prevent your children from using your device without your knowledge.