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>>Costa Rica News Digest<<
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TODAY'S CONTENTS
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*Calendar/Weather/exchange rate

*Feature Article:
Medical Insurance Alternatives Available

*News Digest

=========================================
LUXURY OFFICES FOR RENT IN SAN PEDRO!
=========================================
TWo small luxury offices are available for immediate occupancy in
the finest office building in San Pedro Montes de Oca. High speed
internet available. Building has power generator so when power
outages occur, YOUR business is not interrupted. Can be used as
professional offices or turn key call center. Email us at
porongo@safe-mail.net for full details and to make arrangements to
talk to the listing agent.

=========================================
CALENDAR/EXCHANGE RATE/WEATHER
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*Expat groups schedules Christmas dinner-dance

The Association of Residents of Costa Rica plans a Christmas dinner and dance

Dec. 4 at the Hotel Cariari west of town.

The event begins with a social hour at 6 p.m. The 10,500-colon per person

price includes a full dinner and dancing.

The event is co-sponsored by the Canadian Club.

More information is available from Bob Miller, association president, or the

association staff at 233-8068 or arcr@casacanada.net

*Effective leadership talk set

César Solarte, a consultant and expert in conflict management, will be the

principal speaker at a seminar Nov. 23 at 6 p.m. on the topic of the role of

effective leadership in the 21st century.

The event will be at the Mark Twain Library of the Centro Cultural

Costarricense-Norteamericano in Los Yoses. A fee of 2,500 colons ($5.50) is

being charged. More information is available at 287-7577.


*Saturday, Nov. 20
Legion Thanksgiving

The American legion will hold its Thanksgiving dinner today at the Castillo

Country Club in Heredia. The legion post, the SFC Raymond Edison Jones Post

16 Costa Rica, will gather at 11 a.m. for a 12:30 dinner. A traditional

turkey feast is planned. The cost is 7,000 colons for adults and 3,500 for

youngsters under 12. The adult charge is about $15.50. The purpose of the

event is to socialize, and to meet new friends, said the organization in a

release. Reservations are available with Ken Johnson, 591-1695, James

Longshaw, 386-6572, Jim Young, 836-2328, and Don Roberts, 290-0167.

Reservations are required.


*Pet City

Event will include dog exhibits, makeup for children, contests, talks and

more, 10 a.m.-5:30 p.m. today through Sunday at the Hipermás supermarket in

San Sebastián ; Nov. 19-21 at the Hipermás in Heredia and Nov. 26-28 at the

Hipermás in Curridabat.

*Duermevela

Production by Corpus Erigo Contemporary Dance Group, 8 p.m. tonight

Giratablas Theater, across from KFC, Los Yoses. Info: 823-3017, 255-0618.

*Bolero Nights

Production with actress, dancer and singer Flor Urbina, 8 p.m. Saturday at

Meridiano al Este, east side of La Primavera Gas Station in San José. Tickets

on sale at Academias Baila SAP, Kurubande Cartago, San Ramón de Alajuela,

Guadalupe, Tibás, Hatillo Centro, Heredia, Desamparados. Info: 224-0834,

234-0682.


*Weekly Weather Forecast:

Updated: 6:00 PM CST on November 11, 2004
Friday
Scattered Clouds. High: 73° F / 23° C Wind NNW 4 mph / 7 km/h
Friday Night
Scattered Clouds. Low: 71° F / 22° C Wind West 4 mph / 7 km/h
Saturday
Scattered Clouds. High: 73° F / 23° C Wind NE 6 mph / 10 km/h
Saturday Night
Scattered Clouds. Low: 71° F / 22° C Wind South 4 mph / 7 km/h
Sunday
Clear. High: 75° F / 24° C Wind NE 8 mph / 14 km/h
Sunday Night
Scattered Clouds. Low: 71° F / 22° C Wind WSW 6 mph / 10 km/h
Monday
Partly Cloudy. High: 75° F / 24° C Wind NE 8 mph / 14 km/h
Monday Night
Scattered Clouds. Low: 71° F / 22° C Wind ENE 6 mph / 10 km/h
Tuesday
Scattered Clouds. High: 73° F / 23° C Wind NE 8 mph / 14 km/h
Tuesday Night
Scattered Clouds. Low: 69° F / 21° C Wind SW 2 mph / 3 km/h
Wednesday
Scattered Clouds. High: 73° F / 23° C Wind NE 6 mph / 10 km/h
Wednesday Night
Scattered Clouds. Low: 69° F / 21° C Wind SW 2 mph / 3 km/h
Thursday
Scattered Clouds. High: 73° F / 23° C Wind NE 8 mph / 14 km/h
Thursday Night
Scattered Clouds. Low: 71° F / 22° C Wind NE 2 mph / 3 km


*Dollar Exchange:

Central Bank
Reference Rate


Buy
¢451.77

Sell
¢453.40
CR Colon:


CAD
370.824

GBP
817.207


EURO
572.396

JPY
4.159


NIO
27.415

RUB
15.461

US Dollar:


BZD
0.5063

GTQ
0.1254


HNL
0.0526

SVC
0.1142


NIO
0.0618

PAB
0.9950

12 Nov 2004



=========================================
WHAT'S NEW AT THE COSTA RICA PAGE!
=========================================
Our real estate section has just been totally updated with lots of
new listings, mostly in the residential real estate section, but also
we have a new rental on the rental page and some new additions to the
land for sale section.

http://www.destiny-worldwide.net/costa-rica/real.htm

We are adding new things every day, and when our merger comes with
COSTARICACENTER.COM, we will have a fully operational Mercado Central
for you to buy Costa Rican products over the internet from local merchants
[if you have a reputable business here, and want to sell through the
Mercado, just let us know. We can help you to accept credit cards and
all the major e-currencies on the net! We break through the Great Barrier
that many Costa Rican merchants face getting their products on the net!].

Hotels and tourist businesses will be able to add their own links, and you
will be able to place your own online classifieds and MUCH MUCH MORE!

Watch this newsletter for our official launch, coming soon!

=========================================
FEATURE ARTICLE
=========================================
*Medical Insurance Alternatives Available

The fact that INS is the only insurance company in Costa Rica does not mean

that INS medical insurance is the only coverage available. Other sources of

medical coverage are: The Internet. Since the popularization of the Internet

there are various medical insurance options available online. If you decide

to go through the Internet, make sure you deal with a recognized, reputable

insurance company.

Private “Non-Insurance” plans. In recent years there have been some options

offered by organizations related to some of the major private hospitals,

which do not violate INS's monopoly as they are somewhat unlike insurance.

With these plans, the subscriber of the private plan invests X amount per

month and builds up a fund upon which may be drawn when medical care is

needed. If the cost of the required care exceeds the amount accumulated in

the fund, the organizing hospital advances the difference, but the subscriber

must come up with guarantees.

These funds are unregulated and do not accrue interest to the subscriber, so

it is really a mechanism whereby persons who are unable to save money and

create their own fund abdicate this burden and, in payment, the organizer

earns the accrued interest.

The plans currently being offered are organized by very reputable hospitals.

However, in the past some companies offering similar plans disappeared and

left subscribers high and dry. In the early 1980s it was Hospital Ibero

Americano, in the late 90s, Medi-Pre.

Apart from financial considerations, the main drawback of these plans is that

treatments can only be administered by and in the organizing hospital – which

are situated in Costa Rica 's Central Valley .

Travel policies. Sometimes people need medical insurance for short periods

and often they need it as soon as possible or right away.

INS's full blown medical policies all take four to six weeks to get in place,

so often the time problem is solved by means of travel insurance policies,

which provide some major emergency medical coverage and are written in five

to 10 minutes.

Costa Rican Social Security. “La Caja” provides health care directly, so it

is not really insurance.

Some people use La Caja as a primary care provider, but many others use

“Caja” coverage as a supplement in case one of the smaller INS policies were

to become exhausted by a large claim or in case the insured person were to

develop an ailment excluded by INS.

La Caja Costarricense del Seguro Social (its official name) was created to

provide medical care to Costa Rican employees and their dependants. All

employers have the obligation to enroll their employees.

The monthly cost is borne by the employer and also by the employee by means

of a payroll deduction.

The Caja provides service through a series of large, well-equipped,

overstaffed and often inefficient hospitals – but, in all fairness, it must

be pointed out that Costa Rica has an enviably high life expectancy – largely

due to the universal birth-to-death care provided by the Caja.

Costa Ricans and legal residents can obtain Caja coverage even if they are

not employees or if they are self-employed.

Most foreigners who want this coverage obtain it through the Association of

Residents of Costa Rica (ARCR), which has negotiated a special rate for its

members.

Through the ARCR, the cost is $58 per month for heads of family under 55 and

$37 per month for those 55 or over.




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NEWS DIGEST
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*Region's Presidents Analyze Immigration, Gangs and OAS Candidacy

The Presidents of Mexico, Costa Rica , El Salvador , Guatemala and Honduras

will meet today to examine various issues, including illegal immigration,

juvenile gangs, and an eventual Central American candidate for the

Organization of American States (OAS).

Mexican President Vicente Fox will host his colleagues, Costa Rican President

Abel Pacheco, Antonio Saca of El Salvador , Ricardo Maduro of Honduras and

Oscar Berger of Guatemala , in the city of Tuxtla Gutiérrez , the capital of

the southern state of Chiapas , according to official sources.

Illegal immigration and gangs will be high on the agenda.

“We are going to talk about joint mechanisms to guarantee the ordered return,

with full respect of human dignity, of people who immigrate illegally toward

Mexico or try to continue to the United States ,” Fox said.

Mexico wants to bilaterally negotiate a migratory agreement with the United

States with the aim that Washington “regularize” millions of undocumented

Mexican workers who work in the United States , although the White House has

said they do not want to promise “too much” in this respect, and to begin a

program that would give temporary employment, not residency, to immigrants.

Mexican Foreign Minister Luis Ernesto Derbez mentioned last week the

possibility of Mexico , Central America and Brazil presenting an immigration

proposal to the United States together in the future.

The Presidents will also debate the topic of the proliferation of gangs in

the region, a phenomenon Maduro said originates in the United States ,

because the gang members come from the northern country and take orders from

leaders there.

An estimated 234,000 gang members are operating in El Salvador , Guatemala

and Honduras .

The Presidents will probably also discuss an eventual Central American

candidate for secretary general of the OAS, a position left open after the

resignation of former Costa Rican President Miguel Angel Rodríguez, who is

currently jailed and facing accusations of corruption.



*UN Nears Showdown on Pact to Ban Stem Cell Study
Thu 11 November, 2004 22:33

UNITED NATIONS (Reuters) - Talks at the United Nations appear to have failed

to avert a new U.N. confrontation over a U.S.-led drive to ban all cloning of

human embryos including for stem cell research, diplomats said on Thursday.

As a result a General Assembly panel is headed for a close vote next week on

a plan for an anti-cloning treaty put forward by the United States and Costa

Rica.

But with support for the plan seen fading in the assembly's treaty-writing

Legal Committee, a last-minute compromise could yet be reached to avert an

up-or-down vote, the envoys said.

A group of countries led by Belgium opposes the plan for a U.N. treaty so

broad that it would ban cloning human embryos for stem cell or similar

research -- known as "therapeutic cloning" -- as well as the cloning of human

beings.

That group has suggested the committee adopt instead a declaration of

principle leaving policy decisions on research cloning to individual

governments.

But three weeks of negotiations, which began before the Nov. 2 U.S. elections

in which stem cell research was a major issue, have failed to lead to a

compromise between the Belgian-led group and the rival group led by the

United States and Costa Rica, diplomats said.

"The negotiations are continuing, but a lot of people seem to be resigned to

a vote. It seems there is no possibility to reach an agreement," said one

diplomat close to the talks, speaking on condition of anonymity.

In the absence of a deal, the committee has scheduled a vote for Nov. 19,

assembly spokesman Djibril Diallo said.

Plans for a U.N. treaty on cloning have been bottled up in the United Nations

since 2001.

While all U.N. members essentially agree on a treaty that would ban the

cloning of human beings, there is strong support in many nations for the use

of cloned human embryos to make stem cells for medical research.

Many scientists argue the technique holds out the hope of a cure for hundreds

of millions of people with such diseases as Alzheimer's, cancer, diabetes and

spinal cord damage.

But Washington and others seeking to ban all forms of human cloning say

therapeutic cloning is the taking of human life.

The Legal Committee last year decided by a one-vote margin to delay the

writing of any treaty on cloning, concluding it would be unwise to begin

drafting when there was no international consensus on its goals.

The George W. Bush administration is now again pressing for the assembly to

adopt a resolution instructing U.N. treaty writers to draft a total cloning

ban.

Since last year, however, several blocs have announced their opposition to a

new vote if the committee remained divided. They have suggested the panel

either find a compromise acceptable to all, or reject the U.S.-Costa Rica

plan in favor of an additional delay.

Bernard Siegel, a Florida attorney organizing a global drive to defend

therapeutic cloning, called it "flat-out wrong to condemn this kind of

research when so many people want it."

"Scientists and patient groups around the world are going to make a major

effort over the next week to fight for therapeutic cloning research to

advance," he told Reuters.


*Grandma Drug Gang Busted

At first look, the four grandmothers, ages 83, 75, 59 and 52 who nothing more

than neighbourhood women enjoying their later years in life. However, the

truth was anything but.

The grandmothers ran their "drug" shop in Cañada II de San Sebastián. Two of

the grandmothers have a history in the drug trade, having served time in jail

for trafficking. The Policía de Control de Drogas (PCD) arrested the women in

an early morning raid.

The four women identified only by their last names, Fonseca Fonseca, 83;

Solano Madrigal, 52; Ledesma Fonseca, 59 and Navarro Araya, 75. Arrested in

the raid also was a 21 year old man, Dávila Alvarado, who is suspected of

working for the gang.

According to the police report, the suspected were found to have in their

possession 28 "hits" of cocaine, 129 "piedras" or rock cocaine, along with

437.600 colones in cash.

Rogelio Ramos, Minister of Security, said in a press statement that "we are

all equal under the law, there is no difference in the sexes of the ages. Our

fight against the drug trade is important and we ask the help of all citizens

to denounce the sale of drugs and to work with police."

According to Ramos, the women are the "oldest" detained in the history of the

PCD. The women lived together for some years, in humble surroundings and sold

drugs - "las piedras" at all hours of the day or night.

The PCD say that the arrest of the four women yesterday brings the total this

year to 310 persons tied to drugs, of which 81 are women and 220 are men. Of

the 310, 74 are foreigners.

Police admit that the arrest of the four grandmothers came as a result of an

"anonymous" tips, probably from neighbours who are tired of seeing drug buys

in their area at all hours of the day and night, as the grandmothers business

was a hot spot for many people coming and going at all hours.

The four women will spend some time in the women's jail, El Buen Pastor, in

Desamparados as the the authorities prepare their case to bring to trial.

COMMENT: This is one of the saddest stories we have seen in a long time.
I am certain that these four grandmothers didn't sell drugs by choice.
Rather, it was sell drugs or starve. This is a commentary on the high rate
of human misery and poverty in this world, when people so old are forced to
make this kind of choice. It reminds me of people on Social Security in the
US who are forced to eat dogfood or starve, or to chose between outrageously
priced medications or starve. These all result from the same causes.

Another thing that this points out is the cruelty, inhumanity, and insanity
of the failed "war on drugs," which is really a "war on the poor and less
fortunate in society." It dehumanizes and demonizes people who live in
conditions of desperate poverty, by feeding an endless chain of drugs,
violence, and poverty. Drug addiction should and must be treated as
what it is, A MEDICAL and PSYCHOLOGICAL problem rather than a criminal
problem. It does absolutely no good to throw poor drug addicts and their
suppliers into jail. If the money flushed down the toilet of the "war on
drugs" was spent instead on solving the problems -- including helping
old people like the above 4 make a living honestly and morally -- then
society would be much better off.

Fortunately, some Latin American governments as well as the Canadian
government understand what needs to be done, and are decriminalizing
much of the drug abuse problem and turning to medical treatement, so that
the problem can be handled by doctors and family as it should, rather than
the jack booted thugs of "anti drug police" who are actually making the
problem far worse instead of better under pressure from the US, which has
seen the failure of these policies in its own country, and so has decided to
export it worldwide. NOTHING SUCCEEDS LIKE FAILURE IN THE WAR ON DRUGS!

AND NOTHING CREATES HUMAN MISERY, POVERTY, AND SUFFERING LIKE THIS SICKENING
ABUSE OF POWER BY THE STATE!



*Fake Doc Says He Won't Leave Voluntarily

The quack cosmetic surgeon who allegedly murdered a Manhattan woman seeking

treatment for a hairy tongue insists he will never willingly return from

Costa Rica.

Dean Faiello, the quack cosmetic surgeon who is alleged to have murdered a

Manhattan woman seeking treatment for a hairy tongue insists he will never

leave Costa Rica voluntarily>

Faiello, who remains in a Costa Rican jail six months after he was detained

by immigration officials at oceanside resort in Guanacaste. Immigration

officials handed Faiello over to judicial officials who have begun the

extradition process at the request of New York prosecutors.

Faiello told the CBS show "48 Hours Mystery" that he is HIV-positive, has

lost 22 pounds in captivity and sees his health worsening.

"It's no secret I'm HIV-positive," he told the show. "I've been here for six

months without any treatment, any medical treatment of my HIV condition.

"I like Costa Rica and I'm doing everything that I can with my attorney and

my legal powers to stay here in this country," he said. "I wish to spend the

rest of my life here in Costa Rica."

When asked about killing financial analyst Maria Cruz's, Faiello insisted he

had nothing to do with the 35-year-old woman's death.

In April 2003, Cruz went to a bogus clinic Faiello set up in a friend's E.

16th St. apartment to get laser surgery to remove hair from her tongue,

according to authorities.

Detectives believe she went into convulsions after Faiello injected her

tongue with an anesthetic.

Cruz's corpse was found in February buried inside a cement tomb in Faiello's

former home in Newark - 10 months after she vanished.

Posters of Cruz had been hung all over the city, and her disappearance was a

mystery until Faiello's former lover, Greg Bach, tipped authorities to the

phony doctor's home.

"I am innocent of the charges presented against me," Faiello told the show.

"I have been falsely accused by the U.S."



*Human Rights Court to Begin Deliberations on Berenson Case

The Inter-American Human Rights Court, based in San José, said Thursday it

will soon begin deliberations in the case of Lori Berenson, the 34-year-old

New Yorker jailed since 1995 in Peru for collaborating with Marxist

guerrillas.

The court will deliberate the case between Nov. 15-25, deciding whether

Berenson received a fair civilian retrial in 2001.

Berenson was arrested in 1995, and convicted by hooded military judges who

denied her a chance to present evidence or cross-examine witnesses. She was

sentenced to life without parole.

Her 2001 retrial came after intense U.S. pressure. She was convicted of the

lesser charge of terrorist collaboration and sentenced to 20 years in prison,

including time served.

But Berenson's defense team, led by former U.S. Attorney General Ramsey

Clark, argued her retrial was still based on Fujimori's draconian

anti-terrorism laws and failed to meet international standards for due

process.

She was improperly tried twice for the same crime, Clark said, and faced

hostile judges who relied on coerced testimony and tainted evidence from the

earlier military trial. Berenson has denied any wrongdoing.

The Inter-American Human Rights Court is an independent arm of the

Organization of American States.



*No Internet Saturday Night to Sunday Noon

Radiografica Costarricense S.A. (RACSA) says it will pull the plug on

internet service between 11pm Saturday night and 12 noon on Sunday, to make

changes to the MAYA underwater cable, one of two cables that connects Costa

Rica to the rest of the world.

RACSA's director of network and systems, Henry Fuentes, says the

disconnection is necessary to complete work on the MAYA that connects to

Miami, Florida. The cable is accessed in Costa Rica in Límon.

Fuentes explained that the work consists of moving the cable closer to the

roadway. The cable now runs along the beach and due to changes and

deformities of the beach line it will be best to bring it in closer.

MAYA is not the only internet connection. RACSA also connects to the ARCOS

cable, which automatically takes over with any problems on the MAYA cable,

but Fuentes says it will not be able to handle all the traffic.

RACSA has more than one million internet customers and says that there will

be definite slowdown to no service once the MAYA cable goes offline. The

ARCOS internet pipeline cannot handle all of the traffic and service will

practically come to a stand still.

The Instituto Costarricense de Electricidad (ICE) customers will also be

affected, as ICE also connects to the MAYA and ARCOS cables The connection to

an underwater cable in the Pacific is coming sometime next year.



*Poverty on the Rise

According to experts, poverty worsened in Costa Rica this year, as compared

to 2003.

Last year, for the first time since 1994, poverty dropped below 20 percent,

to 18.5 percent, which means almost 169,000 families out of 910,000.

However, this year it can increase to 21 percent, according to the State of

the Nation Report, and University of Costa Rica professor Pablo Sauma

forecasts 21.5 percent.

Analysts agree that the cost of goods and services has steadily risen this

year; therefore, more families did not have enough income to meet their

needs.

One of the factors that contributed to the reduction of poverty in 2003 was

that the average income of the poor increased by 10 percent, while the cost

of the basic needs rose 6.7 percent.

This year, the so-called basic basket has gone 16 percent up, and analysts

find that it is just impossible for income to grow at the same rate; thus,

the rise in poverty.


*Perfect Blend

The production of coffee has become a tourist attraction, and the so-called

"coffee tours" - which include visiting coffee plantations and observing the

different parts of the process - are taken by thousands of foreign visitors.

At a time when the price of coffee has markedly dropped in the international

market, the blend of production and tourism has resulted in much-needed

income for coffee growers in Costa Rica.


*US Firms Settle Here

Before the end of the year, another six US companies will establish venues in

Costa Rica. Their initial investment is some $1.8 million, and they will

generate 200 new jobs.

Four of the companies operate call centers -Van Ru Credit Corp., Traxtech

Latin America, Via Information Tools, and Avyonyx-, while Merlin VME produces

software, and Smith Sterling manufactures dental supplies.

According to the Costa Rican Coalition for Development Initiatives - who

sponsored the arrival of those firms -, these companies will generate another

600 new jobs in the next few years.


*Figueres Says He is Too Busy to Come Back to Costa Rica

Legislative deputies who make up the Comisión de Ingreso y Gasto Público are

furious that former president José María Figueres for pulling their leg,

telling them that he was too busy, his schedule would not permit him to

return to Costa Rica for some time, as he had to complete his previous

commitments, especially his key role in a function in Thailand.

However, some legislators found out that the former president would play no

important role in the "Tercer Congreso Mundial de la UICN" and was there only

as a guest and are asking the help of the international police agency,

INTERPOL, to get their man.



*Feeling under the weather?
You are not alone.

The sudden changes in weather of the last few days, from hot to cold then

back to hot in a short time, has left many with a cold. Doctors say that

drinking lots of liquids and rest is the best cure.

"La Gripe" as it is called locally, is caused by a virus that affects the

respiratory system and can be accompanied by fever, muscular pains and

headaches and an overall weakness.

Every year at this time the Gripe is a common occurrence. If the symptoms

last longer than five days, medical attention is advised.



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