Owning a home in Italy

Buying a Place in Italy

We decided to do a series of BLOGs on our experience in buying a house in Italy. We are not saying that the way we did it, will be for everyone. It did work for us and we are very happy with the decision. Many books talk about the horrible red tape in dealing with Italy but we had a very smooth ride through the whole process. Things do go slower in Italy which is really good for your health and blood pressure. The main advice is to remember things are done differently there than here. So relax and enjoy the experience …

We started looking in Tuscany (as all Americans do) but the prices are just too high. We wanted it all, a Seaview, a mountain view, a nice place with modern conveniences, a real Italian city void of tourists and the right price. Impossible right? Well we got it all and at our budget. We saw a place that was in a newly constructed building (a rarity in Italy) and it had fantastic mountain and a Seaview. It was a few kilometers from the beach. When we saw the price we thought it must be a time share but it was to purchase. It is a building with 4 units per floor and two main floors. There was a penthouse occupied by one of the owners children and two more units in the basement opening out onto the yard.

We actually put a non refundable down-payment on it without seeing it in person. We walked the city it is in on Google Earth and the beach towns near by but never went to see it first hand. Finally iin May of 2013 we were on the Amalfi coast on our honeymoon and met the realtor and made the 1.5 hour trip south to the small town of Velina. We saw it for the first time. It is VERY small but the views are to die for. No kitchen or closets which are normal in Europe. We loved it.

Over the next 6 months we had a kitchen installed, a bed and a table with chairs. We then went to stay in our place for the first time over Thanksgiving. We bought a love seat and wo chairs which can be used inside or taken out on to our deck to enjoy the views. Having wine and cheese out on the deck was what it was all about. We couldn’t wait to explore the area.

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Our beautiful new home

We had to get closing money from dollars to Euros and from our American bank account to an Italian one. At closing you need the equivalent here of a certified check (actually two – one to the people you are buying from and one to the person doing the closing and covering taxes etc.). This was quite a chore! First, as I have said in this BLOG, exchange rates were high when we bought. Banks tack on 4-10% extra on a transaction. If you are getting $1,000 to $2,000 for vacation it is bad but too bad. If you are moving $100,000 plus it really hurts. I investigated how to get around this. I found a company in the UK that lets you wire dollars to them (no bank fees at this end) and buys Euros for you. They deal in billions of Euros so they give you the World Bank Rates (no extra fees added on) for large sums of money. We did not yet have an Italian bank account because our country requires foreign banks to only open accounts for Americans if they are present. The UK firm held the money and we departed on our honeymoon to Italy.

We were scheduled to open an Italian bank account in Positano the second week of our trip. Then I would text the account number to the UK and our money (in Euros now) would be transferred. After meeting with the bank manager in Positano, he informed us that we can not open an account at his branch because we did not live in Positano. He suggested going to the branch near our new home in Agropoli (1.5 hours away). We were scheduled to go and see the new place on that Wednesday but closing was Saturday in Rome. Not much time for error. We went to Agropoli and had no problems opening an account. I wired the UK the account number and they transferred the money instantly. The catch is Italian banks don’t always deposit wired monies instantly. Thursday came and no money yet. Friday showed our money. So we did it with no room for error.

Now we had to go back to the branch in Positano (where we were staying) to the manager that had rejected us and get the required certified checks. To our amazement he did it quickly and with no problems. The next day Saturday we drove to Rome (about 3.5 hours). We checked into a hotel for one night (we had a morning flight back to the states on Sunday). At closing we met the owner and his family and the man doing the closing. Our realtor was our translator. All documents were in both Italian and English. The family we bought from was Gina Lollobrigida’s family (her cousin). The closing went well. We were asked questions and owner stipulated our parking spot and the fact that we could use the common property. Everything was written in the official document describing the property. Monies were paid and we were given a set of keys. After closing we all went to a bar for a coffee. È normale!

The saddest thing for us was getting on a plane back to the States with a set of keys to an Italian house we had never used.

There is no kitchen or furniture in our new place. It would be like camping out with a bathroom to stay like this (Jo is not a camper – She has always told be camping is staying in a Hilton with only one bathroom). So we look for a kitchen. Kitchens come in modular form with cabinets, sink, refrigerator, stove and cook top. You can also get a dish washer at the expense of cabinets. We decide on not getting a dishwasher. We did not like the kitchens in the other units of our place. Our condo manager (the owner’s daughter) helps us remotely. We look at kitchen places in Rome but delivery is way too expensive. Maria manages to find a wood cabinet (dark stain) kitchen with everything we want.

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We have a new kitchen

She negotiates a kitchen with a table and 6 chairs for the price of the kitchen. We then decide to get a bed (mattress and frame – Italians do not use a box spring) from the same place. They come and install the kitchen and setup our bed. We are not ready to come back to Velina without camping out.

We find online that our Home Land Security requires a form documenting any foreign deposits over $50,000. If your account had $50,000 or more, even for a day, you must declare it. This is NOT an IRS form. So I download the form and fill it out. The fines are huge if you are caught without doing this. We are now ready for our Thanksgiving in Velina Italy.

As we get familiar with our town, we keep staring at the views all around us. We look like tourists that have never seen a beach or mountains. The views are so spectacular here. The weather is tropical and always great. Some mornings we wake to see snow on the mountains around us. We are interested in buying some furniture to sit on in our unit. We want some that can be taken out on the deck as well as be inside. There are many furniture stores around us (called Mobili in Italian which literally means furnishings). We find a store with very interesting furniture next to our supermercato. It is closed but we window shop and make a note to return after 4 pm when everything reopens. This store has everything. In Italy they don’t like to turn the heat on in the winter. The manager of the store greets us (Buon Giorno) with a heavy coat on. It is actually much colder inside these thick walls than outside where it is mild. We look at bedroom sets as well but decide to buy these at a later time. We do find a wicker set that has two chairs, a table and a love seat. It’s a perfect size for our small apartment.

I ask the man if they take credit cards (carte di credito). But he says only cash (solo contanti). We have an Italian ATM card for our Italian Bank Account and we know there is an ATM in town. He loads the furniture onto his truck without any payment and follows us into town. We stop to get the cash and he continues to follow us up the hill to our place. He unloads all the furniture and carries it up to our unit refuting any help. He waits for us to arrange it and sit on it and smile. He then accepts the payment. Why are we so shocked when people act so kind?

After taking all the wrappings off the pillows and seat cushions, we arrange the furniture about 5 times. It fits perfect and looks great.

The Condo and the Mountain beyond

It provides us with ample seating inside to relax and when we take it outside we can have some wine and cheese while we take in the views. This is Italy! Life moves at a slower more enjoyable rate. We can feel the tensions drain off after a few days. We are Italians while we are here. We shop only for today and maybe tomorrow morning. We buy only what is grown or made fresh. Italians take a lot of pride in their food and will only buy what is made in Italy. This very small place seems adequate and almost spacious as we settle into Italian life. Life is good.

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The New Furniture

The furniture is portable so we can move it out onto our deck to enjoy the views.

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Categories: Amalfi Coast, Banking, Beaches, Campania, Casal Velino, Cash, Cilento, Closing a property in Italy, Europe, Food, General Travel, Italian, Italian Banks, Italy, Mountains, Owning a home in Italy, Shopping, Small Towns, Southern Italy, Traveling without a tour, Velina, World Bank Rates | Tags: , | 6 Comments

Buying and retiring in Southern Italy

As my readers know, we bought a condo in southern Campania (southern Italy) in 2013. It is about 1.5 hours south of the Amalfi Coast and 2 hours south of Naples. Maybe closer if I drive really really fast. We had no intention to buy a home but while looking for a vacation villa, we came across our new home. The taxes are much lower than in the states, food (outside the big cities) is cheaper and the beaches and mountains are beautiful. The people are friendly and endearing.

We plan to retire there about half time when my wife retires and spend the other half time at our condo in Florida north of Tampa. Both places are cheaper to live and have a good tax structure. Both have great beaches (Clearwater Beach was voted America’s best beach). Italy has better views of both mountains and the sea and has better ancient cities to visit. Life is what you make it. Retirement, in my opinion, should be fun, stimulating and interesting.

This BLOG explores how we bought that condo in Italy, nearby cities as well as Italy’s big major cities. My wife writes a BLOG specifically on Southern Campania. Explore Italy on your vacations and decide if this is a place for you to retire.

Kathleen Peddicord wrote an article on retiring to an affordable Italy for Money.

George

 

Categories: Amalfi Coast, Beaches, Campania, Closing a property in Italy, Europe, General Travel, Italy, Naples, Owning a home in Italy, Xpats | Tags: , , , , , , , , , , | 4 Comments

Some of Our Best Memories

We have assembled pictures of some of our best memories in Italy. Italy is always romantic and it is always memorable. There are so many special little moments. The architecture, the sites, the history, the people, the food, the wine, … and so much more.

Enjoy your trip to see relatives, sites, museums or to just be Italian for a short while.

Dolce far niente!

George & Jo

Categories: Amalfi Coast, Assisi, Beaches, Blue Flag Beaches, Casal Velino Marina, Cilento, Coliseum, cornetto, Dolce, Dolce far niente, Duomo, Eating Italian, Europe, Florence, Food, Gelato, General Travel, Greek Ruins, Italy, Marina Casal Velino, Montepulciano, Mountain Towns, Museums, Naples, Owning a home in Italy, Paestum, Panini, Pantheon, Pastry, Pizza, Planning a vacation, Positano, Ravello, Ristorante, Romance, Rome, Siena, Small Towns, Sorrento, Southern Italy, Spanish Steps, Stairs, Traveling without a tour, Trevi Fountain, Trottoria, Tuscany, Wine | Tags: , , , , , , , , , , , , , , , , , , , , , , , , , | 4 Comments

Two Related BLOGs

As most of you know Jo Anne has been working on a much need BLOG about Southern Italy and in particular southern Campania called Mezzogiorno Living. My BLOG, Travel in Italy BLOG, is still about traveling in Europe and in particular Italy. These both BLOGs together will give you a high level view, in my BLOG, and a drilled down detail view of southern Italy, in Jo’s BLOG.

I will be discussing all the places in Europe we travel with emphasis on Italy. Italy is special to both of us. Jo will be discussing what to do in southern Italy. Her BLOG is both a website and a BLOG. Her home page is a regular BLOG with her last BLOG on the top. The sidebar on the right side has a SEARCH box to find anything you are looking for. It searches all BLOGs as well as all her menu pages.

Her menus look at stores, restaurants, beaches, towns etc in Southern Italy. On a smart phone the menu is gotten to by clicking the bars in the upper left hand corner. Each menu may have sub-menus that will take you to pages of information. You will find addresses, phone numbers, links to websites and Trip Advisor links.

When we bought in this area, we had a hard time find local restaurants, supermarkets, stores and interesting towns to visit. I wish we had this site when we were first visiting this area. I hope both sites help you with information and travel in Europe and in Italy. Buon Viaggio!

George

 

Categories: Campania, Customs, Dolce far niente, Europe, Ferries, Festivals, Food, General Travel, Italian Facts, Italy, Italy BLOGs, Mezzogiorno, Mountain Towns, Owning a home in Italy, Planning a vacation, Regions of Italy, Renting a place in Europe, Romance, Small Towns, Smart Phones, Southern Italy, Supermercato, Traveling without a tour, Xpats | Tags: , , , , , , , , , , , , , | 2 Comments

Why do Americans Love Italy?

Why do so many Americans vacation in Italy and buy homes there? There is a love affair going on between America and Italy. Maybe it’s that we have so many Italians in America and even more Italian restaurants that it feels familiar. I think it goes deeper than that. Italy has obvious charm:

  1. Old cities with buildings we can’t see in America
  2. Famous places we read about
  3. Clean beaches
  4. Majestic mountains
  5. Walled mountain top cities that are so unique to us
  6. Cities like Venice that are unbelievable
  7. Food that is so much better than anything we get back home
  8. Cheap table wine that rivals the best of wines
  9. Italians love for life
  10. Italians love for Americans

Is it any wonder we love Italy? Where else can you get people who love us, food that is the best, wine that is superb and views that rival any other place? Italy is unique. It was created by violent earthquakes and volcanoes millions of years ago. Today it is a pl;ace artist go to see the wonders of nature. Even places like Vesuvius, a still very active volcano, attracts us like a moth to the flame.

Is it any wonder we look to visits this country over and over again? The views take our breath away. We want a piece of it. If you haven’t yet been to Italy, WHAT ARE YOU WAITING FOR? Go and see the major cities: Rome, Florence, Naples, Venice and Milan. See smaller cities like Capri, Positano, Amalfi, Verona (Romeo & Juliet). Get off the beaten path and see small walled cities with fantastic views. Experience chocolate in Perugia (home of Perugina chocolates – Baci). Go to Assisi and Siena and our favorite San Gimignano.  Don’t miss Tuscany, Orvieto and Pompeii.

Many towns, such as San Gimignano, were enclos...

Many towns, such as San Gimignano, were enclosed with walls, causing crowding and the building of tower houses. (Photo credit: Wikipedia)

Italy has so much to offer it would take a life time to see it all. So don’t wait, get started on your adventure. Be adventuresome, be romantic and enjoy your life.

George & Jo Anne

Categories: Amalfi, Amalfi Coast, Beaches, Chocolate, Eating Italian, Europe, Florence, Food, General Travel, Italy, Milan, Mount Vesuvious, Mountain Towns, Naples, Owning a home in Italy, Perugia, Perugina Chocolate, Pompeii, Positano, Romance, Rome, San Gimignano, Small Towns, Tuscany, Venice, Verona, Vesuvius, Wine | Tags: , , , , , , , , , , , , , , , , , , | Leave a comment

Buying a Home in Italy

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We have posted this before but so many people ask about buying in Europe that We are reposting it.

It has recently occurred to us that we may be a bit crazy.  After all, We don’t personally know anyone who has purchased a home or condo in Italy, sight unseen and several hours from any major airport in parts unheard of in Southern Campania.  Yup, we did that . . .and we weren’t on a lot of wine.

It all began with innocent web browsing of rental villas, which led to innocent web browsing of villas for sale which led to the “find”, which led to our decision to pursue until we hit a road-block.  No, we were not currently “on the market” to buy an Italian villa, apartment or piccola villa when this began.  We were simply looking for some villas to rent while in Italy.  We have always had a latent interest in real estate;  you could say our hobby was browsing properties anywhere that may currently intrigue us in the interest of understanding what you can get for your money.  This hobby turned international as we traveled to Italy (first time for Jo Anne) over New Years in 2011/2012 and fell completely in love with Roma, Pompeii and Orvieto and continued as we planned our honeymoon in Southern Italy to Capri, Sorrento and Positano.  One day, as we were reviewing options for rental villas, we thought ” We wonder how much it would cost to buy these villas?”  It never occurred to us that we could or would actually buy one, this was just pure curiosity.

Initially, We located some properties that Americanos would call “fixers” in the region of Abruzzo.  The Italians would refer to such properties as “storico” or “historic” and the properties would basically be noted as in need of full renovation, BUT, one could purchase a free-standing small house with a beautiful view in this condition in this beautiful but somewhat isolated area for as little as $35,000 to $50,000 euros.  Wow, our minds took quite a detour thinking of all the possibilities and how romantic that would be.  This incredible find encouraged us to continue exploring options all over Italy.  We found something in a city called Agropoli (which neither of us had ever heard of) with a beautiful crescent-shaped view of a curved bay along the Mediterranean ($165,000 euros) and no mention of renovations needed.  Now, We was really hooked.

As our searching continued, we located a stunning NEW property in an area called Casal Velino, that was beautiful.  Although we had no intent of buying a property in Italia, when we saw the price, we could not stop ourselves from inquiring with the realtor about it – surely at this price, it must be a time-share property, we thought, not even knowing if that concept existed in Italy.  The realtor from Property Organisers, promptly replied that no, there was no time-share involved, but rather that price included outright ownership of this condo which was located high on a hill about 2 kilometers from the Mediterranean (actually the Tyrrhenian Sea there) with panoramic view of both the sea and layers of nearby mountains.  WOW!

We decided to continue this remote (both in distance and in possibility) dialogue with the realtor and received additional information including floor plans, interior pictures and GPS coordinates.  We “Google Earthed” the general vicinity, and virtually traveled the nearby roads down to the ocean, but were unable to actually “find” the building through Google Earth and the view in the pictures we received did not seem to match the location of the coordinates.  It seems that Casal Velino actually includes several nearby areas, some of which are interchangeably called other names, such as Velina, Castelnuovo Cilento and others including the original centro storico.  This entire area is located between the town of Marina di Casal Velino, a designated Blue Flag beach on the Tyrrhenian Sea and the Cilento National Park (the largest national park in Italy and a UNESCO World Heritage Site).  Additionally, the street on which the building was located, Contrada San Nicola, popped up in multiple nearby locations with at least two different roads in the area using this name.  After receiving a new set of GPS coordinates, we were able to locate the exact building.  During this time, we were also able to determine which condos were still available and which of these had the best view.  Our favorite was the highest floor available that faced the sea.

By now, our wedding and honeymoon were two months away.   Our “innocent” inquiries took a sudden turn in the direction of seriousness when we decided to place a non-refundable deposit on this property that we did not intend to buy and scheduled settlement for two months later on the last day of our honeymoon.  At 4:00 pm on that day (the day before we were to return to the States) we received the keys to our condo.  The next morning we were on a plane back to the U.S. Our honeymoon might technically be over, but our apartment is the insurance policy that will provide many return adventures “happily ever after”!

We were about to live our own Under the Tuscan Sun experience in Southern Italy.

George & Jo Anne

 

Categories: Agropoli, Beaches, Campania, Casal Velino, Casal Velino Marina, Castelnuovo Cilento, Closing a property in Italy, Europe, General Travel, Italy, Marina Casal Velino, Owning a home in Italy, Romance, Small Towns, Southern Italy, Under the Tuscan Sun, Velina | Tags: , , , , , , , | 1 Comment

Velina Castelnuovo Cilento, Italy

Our second home is in Italy. The town is a little confusing. It is called Velina but it is part of the next town called Castelnuovo Cilento. It is in The Cilento national Park and the Province of Campania. The whole area is referred to as Casal Velino which is a mountain town nearby and has a beach town called Marina Casal Velino. People in the Amalfi Coast area never  heard of our town. Only those that vacation here in the summer know of this area. There is good train service into Valo Scalo or Ascea. The Valo Scalo train station is called Vallo della Lucania which is a nearby town with a college and good hospital. The train is actually in the town of Valo Scalo.

Our town has two main streets. One is the road that runs from Valo Scalo to Ascea. In our town it is loaded with stores. Beach shops, clothing stores, shoe stores, fruit and vegetable stands, pastry shops, chocolate shops, bread stores, mozzarella stores, bars and delis. From this street another main street goes off to Casal Velino and Marina Casal Velino. This street has several bars, a used car lot, supermarket, laundry and furniture store.

Tourists don’t usually come to our town even though two great beaches are less than 2 miles away. Our town does have an Agroturismo or family run farmhouse hotel. These are great in Italy. They grow organic vegetables and fruits and raise organic animals for meat. They have a big store to sell their produce to the public. They also have a hotel. Rooms are clean and breakfast is usually included. Tourists do wonder here since the rooms are cheaper than the beach hotels.

All in all the town of Velina is a great place to live. You have everything you need in the town. The beaches are close by and there are many mountain towns a short drive away. There are good highways into this area from the south or the north (Rome, Naples and Salerno). There are the ancient Greek ruins of Paestum and Velia close by. Restaurants are very good and abundant. The drive from the Rome Airport is only 4 hours.

George & Jo Anne

 

Categories: Amalfi Coast, Ascea, Bars, Beaches, Bread, Campania, Casal Velino, Chocolate, Cilento, Europe, General Travel, Hotels, Italy, Mountain Towns, Naples, Owning a home in Italy, Paestum, Rome, Salerno, Small Towns, Trains, Velia, Velina | Tags: , , , , , , , , , , , , , , , , | Leave a comment

How to buy a place in Italy, the book!

So many people have liked our BLOG here that we are going to write a book (e-book) on our story. Stay tuned to this BLOG for details when it’s completed. I know many of you would love a romantic place in Europe. You can’t imagine how to do it. We tell the whole story on how to do it, what to watch out for and leave the enjoyment of your new place to you.

Not ready for a house commitment? Maybe a rental for 6 months or a year is better suited for you. You can still fully enjoy the country you have chosen. The only problem will be leaving at the end of your rental. Let us know what you have enjoyed about the “How to buy a Place in Italy” series. Would you read our book? Do you see your self buying or long-term reining in Europe?

George & Jo Anne

 

Categories: Europe, Owning a home in Italy, Renting a place in Europe | Tags: , , , , , , , | 3 Comments

How to buy a Place in Italy – Part 20

If you are contemplating buying a place in Italy or anywhere in Europe you must consider the lifestyle of that area. Europeans live different from we do. You should understand that and adjust your expectations. Some things to be considered are:

  1. Car sizes are typically smaller. This is because gas is so much more expensive (about $10/gallon in Italy but cars get 50-70 mpg). There are also many small cities where a larger car will NOT fit through the streets. We like having a hatchback in Italy. You can fold down the seats and carry most things you buy easily. You can find big american cars like Jeeps but they are rare and you need to be well off to afford to operate them.
  2. Cars are usually stick shift. Mountain roads are windy and many do not have guard rails (similar to California). Using your brakes on a downhill can wear them out and cause a fatal accident. Stick Shift (manual transmission) offers lower gears to help slow the car down without breaking.
  3. People in Europe tend to live outside even in winter. Their houses are very small by our standards. Kitchens are small, bathrooms are small and bedrooms are small. Houses and condo’s of 300-5– sq ft are large there. There always are large palatial mansions for millions of dollars but the typical home is small. Italians love to eat outside with family and friends. Balconies and decks are common.
  4. There are typically no closets. You need to buy an armoire (wardrobe) for your clothes.
  5. You usually do not get a kitchen even in a resale. There are furniture stores (Mobile) that sell full kitchens with cabinets and appliances.
  6. A typical day has stores open in morning until about 12:30 or 1 pm. Then everything except restaurants and touristy places close down. They reopen around 4pm and stay open until 8 or 9 pm. During the noon break, families spend time together. They eat lunch, walk together and meet up with friends. If you are looking for something during this closed time, you will not find it. Plan your day with this in mind.
  7. Wine is always cheaper when order as “House Wine” (vino di casa). It comes by the glass, 1/2 liter or full liter carafe. Some restaurants do sell bottles of wine but they are more expensive.

The most important thing about buying a Place in Italy is having fun! Determine what your most important criteria is. Ours was views. Set your budget. You can negotiate as you do here. Understand all your monthly bills (water, gas, electric, garbage and taxes). These can be paid monthly, every 2 or 3 months, semi annually or annually (depending on the area). Once you buy, make friends with your neighbors and store owners in town. Italians are friendly people and love Americans.

George & Jo Anne

 

Categories: Closing a property in Italy, Europe, General Travel, Italy, Money, Owning a home in Italy, Wine | Tags: , , , , , , | Leave a comment

How to buy a Place in Italy – Part 19

Well we are back from our second stay at our Italian villa. Life goes on but we still dream of the sites, the people, the food, the wine, the gelato, the beaches … and on and on. In this BLOG we will discuss some of the considerations of buying a place outside the USA. First you need to find your dream place, The internet is full of places for sale. We chose solely on the views. Once you find a place and negotiate your price, you will need to transfer money as a down payment. We did this by wire transfer from our US account to the owners account in Italy. We were working through a realtor in the UK.

Money transfers are a big thing in this day and age of terrorism. Our Homeland Security requires documentation of any foreign account that is over a dollar value even for a day (when we did the transaction it was $50,000). Check the web for current restorations. There is no tax due on this amount (it is NOT the IRS). It just notifies our government that you had an account with substantial funds and the reason. We filed the paperwork and all was well. Not filing can lead to huge fines! In addition the Italian government requires paperwork on amounts over $5,000. We keep our transfers around $4,000 (which lasts a few years).

The next feat was to transfer the amount you will owe at closing. This can be $1000,000 to several million depending on your property. Of course if you take out a foreign mortgage that amount will be reduced by the mortgage amount. We decided to pay cash. The problem we had now was our government requires the person to be present when opening a foreign account. At the time we could not initiate a wire transfer remotely. We would have to fly to Italy open an account, fly back to the US and transfer the funds, then return to Italy for the closing. That would cost an extra $1200 to $1600 in airfare. Luckily we found companies like World First that transfer dollars to Euros and wire them into your foreign account. On smaller amounts they charge a small amount over the World Bank exchange rates. On large amounts they match it. Wiring from an US bank directly would cost a fee plus an extra 4-8% on the amount. If you were wiring even $100,000 that would be $4,000 to $8,000 extra.

In Europe kitchens do NOT typically come with a house (new or resale). People take all appliances, cabinets and sink with them. We had a beautiful tile wall with electric plugs and switches, pipes for water & drainage. That was our kitchen. We bought an entire kitchen and had it installed. It included refrigerator, stove (oven and cook top), sink and cabinets. It fit the wall perfect. We love our kitchen and it didn’t cost anything near what it would in the states. Refrigerators are very small by US standards. You do NOT need a big refrigerator/freezer. Italians use very little frozen items (mostly ice cream and ice cubes). They buy everything fresh each day so the refrigerator doesn’t need to be big. If you are going to buy in Europe, get into the lifestyle. Don’t try to fit our American standards to your European house!

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You will use your foreign account to pay taxes, water bills, garbage pickup bills, electric & gas bills. Most banks have electronic banking so you can control you account from the US. Most also do not translate their pages into English. You have to do some translation on your own and get use to the site. You can also setup auto pay with all bills except taxes and Garbage pickup fees. For us these two are about $500 a year payable half in summer and remaining half in December. The bank website has a special page to pay these taxes.

Tomorrow we will discuss Living style in Italy. Houses are small but people live outside a lot.

George & Jo Anne

Categories: Europe, General Travel, Home Land Security, Italy, Money, Owning a home in Italy, Xpats | Tags: , , , , | Leave a comment

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