My 2010 Cuba Trip and Some Perspectives

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Destination Cayo Santa Maria, Cuba

First Published: Jan 22, 2011 EntrepreneurJourney.com

Island Beyond Imaginations

Our China-made, super-sized resort bus was cutting through the pitch-black night along the Atlantic Ocean via a 30-mile man-made Causeway. The Causeway is a road in the middle of the ocean, connecting the island Cayo Santa Maria to the mainland. The Causeway was entirely made from rock and earth, without any concrete foundations. Many bridges were included in the Causeway to keep natural ocean water flow uninterrupted - thus keeping the damage to the Cuban archipelago to a minimum. Once you hit the Causeway, you will have the feeling that it is taking you straight into the ocean. I was pulling my hair (in my mind) for not being able to view this heavenly view in the daytime. However, the night time view had its own charm and meaning.

Barcelo Cayo Santa Maria Resort

The Barcelo Cayo Santa Maria Resort is located on a small island called Cayo Santa Maria, which is situated on the north coast of Cuba. Cayo Santa Maria is 90 minutes away from the Santa Clara airport and connected to the mainland by the 30-mile man-made causeway I just described above. Local Cubans do not have access to this Island. Before entering the Causeway, vehicles have to go through a police checkpoint and a tollbooth. The most fun part of our trip was that our bus did not have to pay the toll because the tollbooth was empty. Our guide said the guard probably went to the town to visit a show, leaving the tollbooth unattended.

We reached the resort just little bit before 12 midnight. Barcelo is a 5-star resort and it is fairly visible the moment you enter it. A very friendly person named Smith put us on a golf cart-like vehicle to take us to our ocean view bungalow. He said we would get lost for the first few days while going around inside the resort without assistance. And he was so right. My nephew and I got lost 3 days in a row many times, reaching various sections within the resort. The most striking part of our bungalow was its ocean view balcony. My nephew and I stayed on the balcony whenever we were inside our suite.

There is not much to tell about the resort itself. Inside the resort, you wont feel like you are in Cuba. It’s no different than living in Canada, except the weather. When it was - 10°C and lots of snow in Canada, we enjoyed 24°C in Cuba. For Canadians, having weather like that in December is like living in heaven.

Let me describe the ocean a bit. The ocean and the beach are very different in Cayo Santa Maria than anything else I have seen before. Crystal blue sparkling ocean waters and immaculate pristine white sandy beaches make Cayo Santa Maria a place beyond imagination. The sands are white, very fine and smooth. When you walk on the beach, it feels very smooth. This area was designated a Biosphere Reserve by UNESCO.

Deep Inside Cuba

Our Jeep Safari excursion into a Cuban village gave me an opportunity to experience the real Cuba I was waiting for. During this day trip, I tried to talk to as many people as possible to get a feeling of what it’s like to live in Cuba. The whole system upon which Cuban society and economy are based on seemed to be complicated to me. I was unable to understand many simple things, such as how the system works, even why it works, how the government keeps track of everything considering there is no modern technology available. Once you read the following insights, you will realise what I mean.

My Insights and Some FAQs On Cuba

Here are some points based on my trip, talking to both Cubans and non-Cubans, and doing some research. I may not be right on every point - I am just presenting whatever I have perceived so far. This is my feeling: to get a good grasp of how things are done in Cuba, someone will have to stay and live there with local Cubans for at least one year.

  • Cuba was the first country in the Caribbean with which Canada established a diplomatic mission.
  • Following the Cuban 1959 revolution, Canada and Mexico were the only two countries in the hemisphere that did not break relations with Cuba.
  • Canada is Cuba's largest source of tourists.
  • When the Soviet Bloc was diminished, Cuba faced a severe economic crisis and financial hardship. Canada came forward to help Cuba at that time on a massive scale (unparalleled by any other countries) both economically and technologically.
  • Cuba has two currencies: CUC (The Cuban Convertible Peso) and CUP (The Cuban Peso). CUC is the currency for foreigners and CUP is for Cubans. While I was in Cuba, 1 Canadian $ bought 0.80 CUC and 1 CUB was around 24 CUP.
  • In Cuba, the government owns everything. Let’s say you have a cow - this cow is the government’s property, not yours. The milk you get from the cow will have to go to government - you can’t consume it or keep it.
  • Every Cuban is supplied with a ration card and basic necessities are provided by the government.
  • A doctor, general labourer, or a chemist would earn almost the same in Cuba. It is a common practise for many professionals to give up their jobs and drive taxis or sell products in the market.
  • Cubans are not allowed to talk to foreigners or ride in the same vehicle (non-public transit). However, foreigners can use public transit.
  • Cubans are prohibited from using the Internet, foreign TV channels, books, magazines, etc. I did not see any newspapers or magazines anywhere; in towns, in the resort, or even at the airport.
  • Health care and education are free in Cuba and Cubans have equal access to them.
  • Crime rate is very low in Cuba and the lowest among other South American countries. I noticed people leaving doors open in towns/villages and girls were walking on the street at midnight. This is not a common scene in other 3rd world countries.

What’s The Best Part of Cuban Society?

Health care, education, and basic necessities are taken care by the government for everyone. Unlike many 3rd world countries, at least people are not dying out of poverty. The low crime rate is also worth mentioning.

What’s The Worst Part of Cuban Society?

All others, except the above. Cubans cannot start a business and make money like anywhere else on Earth. Cubans are not allowed to leave the country and they are not even allowed to leave their own province. There is no freedom whatsoever.

Changes On The Horizon?

Just recently, Raul Castro has relaxed some regulations to encourage privatization on a limited scale. For example, farmers now can obtain tools and lands to produce crops, the general population can have cell phones and open small private operations like barber shops and taxi services, etc.

A Brief Pause on The Airport Tarmac - The Final Word

On my day of return, after passing the Cuban immigration and on my way to the plane, I got out of the line and paused for a brief moment and stood on the airport tarmac - looking at the Santa Maria Airport on my left and my plane on my right. I am privileged to go anywhere on Earth. For Cubans, going to a different country is like a dream that will never come true. All those moments that gave me new perspectives on life were passing quickly through my brain; like the genuine happiness I saw after giving toothpaste to someone in the resort (I literally had tears in my eyes), the immaculate gratefulness I observed when I gave my maid the equivalent of one week’s salary as a tip, how utterly surprised the help-desk person was after finding out that my watch was worth more than his one-year salary … I came back to reality all of a sudden. Airport personnel were calling me to board the plane - it was about to leave.

Aeroplan Points for Amazon Shopping

Amazon and Aeroplan Team Up

If you shop on Amazon and feel frustrated for not getting any rewards, there is good news on the horizon. Amazon customers will soon be able to collect Aeroplan miles for spending money on Amazon. However, there are a few conditions that apply and I will go through those in this post.

Here is what you need to know to collect Aeroplan shopping on Amazon:

-          Starting April 24, 2018, Aeroplan members will be able to earn miles for shopping with Amazon Canada. This is only applicable to those shopping from Canada on Amazon Canada.

-          Aeroplan members will be able to earn at least one mile per dollar. Elite members will earn more; Black and Silver members earn at least 2 miles per dollar and Diamond members earn at least 3 miles per dollar spent on Amazon.

-          You must visit the Aeroplan website first to earn miles. Shopping directly from Amazon or their app will not earn you any Aeroplan miles.

Once you go to the Aeroplan eStore at aeroplan.com/estore, look or search for Amazon.ca. Then click and enter your Aeroplan number and last name, and hit shop now. This will take you to Amazon’s website and then continue shopping on Amazon as you would normally do to receive Aeroplan miles.

This is a good opportunity to earn lots of miles for those who shop on Amazon a lot. It’s even possible to earn miles 3 separate times on the same transaction. I am not talking about earning 3 miles but earning on 3 separate instances. I will do another post on how to do that after April 24.

Keep an eye on my YouTube Channel and on this website for more to come. I will see you shortly.

Mountain Springs Resorts - An Inside Look (Cottage Country)

Cottage Country Canada Travel

This is a video from my Blue Mountain trip. This is a video showing inside Mountain Springs Resort. Mountain Springs Resort is located in The Town of The Blue Mountains in Collingwood, The Blue Mountains and Area. I setup a temporary ADJ Blue Mountain Station to post video clips and short posts. Mountain Springs Resort provided free high speed wireless internet on its property. I used the nightstand as my table, as you will see in this video. I stayed in a one bedroom suite loft. It had all the amenities except in-suite laundry. To do laundry, you just need to go outside - which is about 1 minute walk. Amenities include one bedroom (6 people can stay), full kitchen, living room, fireplace, Jacuzzi, private deck, queen bed, sofa bed, dishwasher, microwave, telephone, air conditioning. You will feel like you are living in your own home away from your home. These suits are time share units. Some people live there for the full summer and time share the rest of the year. Mountain Springs Resort offers a full range of services in summer and winter alike. If you like outdoor activities, you would love this place. Some of the activities are: hiking, biking, skiing, tennis, basketball, swimming, fishing, boating, water sports, visiting Wasaga beach, visiting the Scenic Caves etc. How much was the price tag? It cost us $450 Canadian for the weekend. Visit Mountain Springs Resort website at http://www.mountainspringslodge.com for more info. If you would like to see all Blue Mountain related posts - here is the link.
First Published: Sep 5, 2008 ADawnJournal.com

Rogers Platinum MasterCard and Fido MasterCard Devalue

Higher Returns Are Moving to Rogers World Elite MasterCard

Rogers Bank is devaluing its Rogers Platinum MasterCard and Fido MasterCard starting May 23, 2018. The higher rate of returns these cards were offering will be transferred over to a new Rogers World Elite MasterCard.

Previously, Rogers Platinum MasterCard had a 4% unlimited cash back rewards on foreign currency purchases and a 1.75% return on everything else in Canadian dollars. Fido MasterCard had 4% unlimited cash back rewards on foreign currency purchases and a 1.50% return on everything else. The new cash back rate for both of these two cards will be 3% unlimited cash back rewards on foreign currency purchase, 2% on Rogers products and services, and a 1.25% return on everything else.

The $20 Annual Fee will be eliminated from the Rogers card. Fido card has no Annual Fee.

The new Rogers World Elite MasterCard will have a 4% return on foreign transactions (which offsets 2.5% foreign currency fees), a 2% return on Rogers products, and 1.75% returns on everything else. So it looks like Rogers is shifting these returns from its regular credit cards to the new higher-end World Elite Series card that still will have no annual fee, but a higher income requirement to qualify for ($80K personal and $150K household).

Rogers is throwing in some insurance benefits such trip cancellation, trip interruption, and travel medical as well. The only other free World Elite Card available for Canadians is the PC World Elite MasterCard, but it does not provide trip cancellation and trip interruption insurances.

The Canadian credit card market is heating up with several other premium travel credit cards such as the Scotia Passport Visa Infinite and the Brim World Elite MasterCard. There will definitely be more cards coming on the horizon to compete and that’s good news for consumers.

Outsource Your Life Now – Here Is How

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Outsource Your Life Now – Here Is How

If you are reading this page via RSS reader, you can visit the main page here - Canada's Personal Finance Blog

Outsourcing daily tasks is not a new idea. However, Tim Ferriss, author of "The Four-Hour Workweek," has made this popular by mentioning it in his book. Ferriss uses "a small army of virtual assistants" for everything he can think of - as he mentions in his book.What can you outsource these days? Let me answer this little differently by asking what you can't outsource these days? The following list should give you an idea of what people are trying to outsource (NB – Don't laugh. This is a real list from DoMyStuff.com )

  • Help me armwrestle
  • Repair my broadband connection
  • Design my website
  • Personal shopper
  • Pull weeds in landscaped beds
  • Choose my cell phone plane based on the phone
  • Reform my life
  • Pick me up a t-shirt from College Corner
  • Research my house history
  • Unlock iPhone or Blackberry to work on Helio

These should be good enough to give you an idea. If you are thinking only celebrities, professionals and rich people can afford outsourcing, think again! The Internet growth has created lots of outsourcing sites, and they are becoming affordable enough to indulge you in the luxury of not to do anything.

Today, I am going to review some of these outsourcing sites for you. There are too many sites out there, and I am going to mention only those which I have found easier to navigate with a clean layout. If you are interested in finding more, search on Google for these: outsource, virtual assistant, freelance etc.

GetFriday

A Bangalore-based (India) company. Currently this site is the busiest outsourcing site. GetFriday offers three pricing options: Pay As You Go, Monthly Plans, and Task Based Plans. Pay As You Go Costs $15 per hour with a monthly admin fee of $10. Basic monthly plans start at $120 a month for 10 hours.

https://getfriday.com

 

The Canadian Virtual Assistant Network

This is the only Canadian site I have come across. You can submit profile, interview, and hire a VA through this site. Site does not mention fees and charges. There is a Directory of VA by province which you can browse.

http://canadianva.net

DoMyStuff.com

DoMyStuff is an online marketplace where you can hire freelancers to work for you. Freelancers can pick up projects and independent contracting jobs.You need to post your tasks and freelancers will start bidding on your tasks. You can limit or pick bidders based on location, fees, ratings and so on. Payment system is very safe. You never pay (or freelancers never receive payments) directly. Once you choose the best bidder, you will have to forward payment into an online escrow account. No one will have access to this money while your work is being done. Once completed and you are satisfied, you will release the funds to the freelancer. DoMyStuff has a clean interface and easy to navigate. This site is all free; free for both employers and assistants. There are no monthly or transaction fees.

http://www.domystuff.com

Guru

The world's largest online marketplace. Employers can use this site for free but freelancers pay quarterly fees. There is a minimum bid set at $25 per project. Guru's open auction system works the same way as DoMyStuff.

http://www.guru.com

Elance

Elance is famous for small to mid size business. I find Elance a little bit expensive. However, their service quality is very good.

http://www.elance.com

Two other sites worth mentioning: FreelancerNow.com and RentACoder.com.

The Internet has revolutionized the way we do everything. We are online a lot these days and it makes sense to hire people via net to free up our time. These freelance sites have opened up endless opportunities to find work for qualified professionals beyond locall boundaries. The ability to work from anywhere in the world is a reality now

First Published: Sep 1, 2008 ADawnJournal.com