Has Argentina Become Worse Or Better for Foreign Retirees recently?

Its understandable that foreigners opinion and preferences can be shaped by the Blue Dollar. It directly impacts the cost of living.

But the point being highlighted, is that you have an individual desiring both a more valuable Blue Dollar rate (ideally to return to the multiple value over the official as was the case years ago) and the implication that for that to occur, it would actual be disastrous for the economy and Argentinians. It would be a return to failed policies, no savings or growth potential for the population and a return to spiraling inflation. So while individuals are trying to promote in their opinions "pro" Argentina policies, they are actually hoping for the opposite to occur for the benefit of their wallet.

Individuals should be deciding for themselves at what point it becomes too expensive and come up with an alternative location and potentially begin making plans if they are approaching that limit, rather than hoping their host country fails.

Dr. Ahorro Pharmacy closed 33 outlets, was my favorite pharmacy for generics. We witness how businesses close and people lose their jobs, more Uber drivers in the market. Meanwhile Shein and Temu online sales flourish.
My favorite parrilla (BA Grill) may go out of business, my waiter mentioned that local Argentine customers have disappeared . They survive on tourists that have stopped coming due to less favorable dollar exchange rate.
Unemployed resto workers are on the same boat as Expats, something happened out of their control!
 
Dr. Ahorro Pharmacy closed 33 outlets, was my favorite pharmacy for generics. We witness how businesses close and people lose their jobs, more Uber drivers in the market. Meanwhile Shein and Temu online sales flourish.
My favorite parrilla (BA Grill) may go out of business, my waiter mentioned that local Argentine customers have disappeared . They survive on tourists that have stopped coming due to less favorable dollar exchange rate.
Unemployed resto workers are on the same boat as Expats, something happened out of their control!
Two of my favorite little joints closed recently. Shokupan (sandwich shop) and Ganesha (they served amazing pizza and had killer open mics).

However, everyday a new business is opening.

People have less to spend and are far more cautious what they're spending on, surely...but this has happened in the global restaurant industry forever. I worked in restaurants in Chicago in 'good times' and dined at favorite establishments here in 'better times,' many of them no longer exist and most only lasted a handful of years. It's a hard business model to sustain unless you're independently wealthy, the industry basically runs on fumes on any given day. In large cities with so much competition to contend with, this is the gamble folks take. Some work their way up to be institutions but, unless they keep up with consumer trends, they'll also fall behind at some point.

The good news is that working in restaurants, you're likely not going to be out of work long. They're the only businesses that I consistently see hiring. Some great places. Not the best establishments to work if you want to get rich, but the food and wine culture is one that is pretty fun to be a part of if you get into the right joint, you learn a lot and make great connections and a sustained community. A lot of industries aren't as vibrant in that sense. I know a younger guy who works as a barista and when one cafe closes he pops up working at one down the road because he loves it and he's great at his job. He's been at three different cafes in two years, and now hired at one with several surcusales.

Just trying to paint a broader picture as while it looks bleak, this particular industry (restaurants) has always been a crapshoot. Now, the pharmacy, that one is a larger deal to folks, I'd guess.
 
Two of my favorite little joints closed recently. Shokupan (sandwich shop) and Ganesha (they served amazing pizza and had killer open mics).

However, everyday a new business is opening.

People have less to spend and are far more cautious what they're spending on, surely...but this has happened in the global restaurant industry forever. I worked in restaurants in Chicago in 'good times' and dined at favorite establishments here in 'better times,' many of them no longer exist and most only lasted a handful of years. It's a hard business model to sustain unless you're independently wealthy, the industry basically runs on fumes on any given day. In large cities with so much competition to contend with, this is the gamble folks take. Some work their way up to be institutions but, unless they keep up with consumer trends, they'll also fall behind at some point.

The good news is that working in restaurants, you're likely not going to be out of work long. They're the only businesses that I consistently see hiring. Some great places. Not the best establishments to work if you want to get rich, but the food and wine culture is one that is pretty fun to be a part of if you get into the right joint, you learn a lot and make great connections and a sustained community. A lot of industries aren't as vibrant in that sense. I know a younger guy who works as a barista and when one cafe closes he pops up working at one down the road because he loves it and he's great at his job. He's been at three different cafes in two years, and now hired at one with several surcusales.

Just trying to paint a broader picture as while it looks bleak, this particular industry (restaurants) has always been a crapshoot. Now, the pharmacy, that one is a larger deal to folks, I'd guess.
good synopsis
 
History tends to repeat itself. Menem, for the Benefit of Argentinians kept the dollar flat for almost ten years. Many benefited with this Strong Peso 1:1 /(Peso/dollar) . The famous "Deme dos" story Eventually the government couldn't sustain that exchange rate, so one day the exchange ratio went to 3:1 a massive devaluation, everything exploded in mid air. It had been just an exchange mirage.

Expats together with millions of Argentine Exporters are hoping for a better dollar exchange rate to succeed (Exporters see their margins shrink daily, many go out of business. ).

Moving to a foreign country, is a business proposition, based on profit/loss expectations and local stability. Same as when businesses choose Bangladesh or Vietnam due to more advantageous economic conditions. the relative well being of the host country doesn't play a significant role in the equation. Business ethics is a subject left for Economists/historians.

History may repeat itself if one doesn't learn from it and just repeats it.
This government has taken a drastically different approach than those in the past trying to return to a balanced budget by implementing austerity measures as well as making significant changes to the structure of the economy, though not as extreme as they would have liked to if this were purely a thought experiment.

Country risk continues to lower. The amount of dollars being sold by domestic companies and provincial government from foreign loans is larger than dollars the government is purchasing for reserves. I am unsure of the net balance between individuals and businesses. The exchange rate is freer now than in the recent history, and is floating within the bands. The market shall decide and time will tell.

Yes moving to a foreign country one has to take multiple things into consideration. It is not purely financial unless that is the most heavily and overweight factor in one's criteria for selection. Nevertheless, if the host country is becoming more expensive, the individual needs to make a decision at what point it is too expensive to continue to live there. Hoping the country fails so it gets cheaper is less than speculation and just faith. I have suggested that individuals need to reevaluate their situation and at what point they may need to change.

I have also highlighted hypocrisy in individuals that claim to be advertising policies that would be Pro-Argentina in their words for the benefit of Argentinians, while still hoping the country "fails" and returns to an unsustainable model of supporting those with foreign currency.
 
Austerity has never worked anywhere it has been tried.
Britain still hasnt recovered from Thatcher.

cutting government services always results in a poorer economy.
Nebraska is only the latest example of the utter failure of this type of policy.
 
Austerity has never worked anywhere it has been tried.
Britain still hasnt recovered from Thatcher.

cutting government services always results in a poorer economy.
Nebraska is only the latest example of the utter failure of this type of policy.
Was Britain in the same situation as Argentina?
 
no place is ever the "same" as any other place- but, yes, there were a lot of similarities.

A century old history of unionized local manufacturing was just shut down by the changes in laws, import restrictions, and government support, in both countries.
Nationalized rail networks were abandoned, privatized, and, subsequently, shut down.
existing manufacturing and mining sold to foreign "investors", who shut down the mills, mines, and factories.
Social services, be they educational, health related, retirement oriented, job retraining, or safety, were cut to the bone.
Local producers were driven out of business by cheap imports.
government spending and taxes were slashed.
the pound crashed against foreign currencies
interest rates on loans soared.

many many similar things, and of course, some very big differences as well.
 
You must not have been in Argentina in 1992 when the Israeli embassy and the AMIA were attacked.
There was a world trade center bombing in 1993 6 dead and over a thousand injured. In 1995 there was the Oklahoma city bombing and Columbine in 1999. Does that mean the US wasn't a safe place to be?

I wouldn't suggest singular events necessarily determine a countries safety level.
 
Austerity has never worked anywhere it has been tried.
Britain still hasnt recovered from Thatcher.

cutting government services always results in a poorer economy.
Nebraska is only the latest example of the utter failure of this type of policy.
100% agree with you @Ries!

The Austrian school of economics (and the Chicago school by extension) have produced nothing but failure after failure for the citizens of the countries in which these economic policies have been tried. The very fact that Milei is in love with both the Austrian school and Margaret Thatcher is all you need to know about him and where his economic policies are going to end up.
 
no place is ever the "same" as any other place- but, yes, there were a lot of similarities.

A century old history of unionized local manufacturing was just shut down by the changes in laws, import restrictions, and government support, in both countries.
Nationalized rail networks were abandoned, privatized, and, subsequently, shut down.
existing manufacturing and mining sold to foreign "investors", who shut down the mills, mines, and factories.
Social services, be they educational, health related, retirement oriented, job retraining, or safety, were cut to the bone.
Local producers were driven out of business by cheap imports.
government spending and taxes were slashed.
the pound crashed against foreign currencies
interest rates on loans soared.

many many similar things, and of course, some very big differences as well.

As much as there were some similarities, I don't think it extended across the board.
Inflation was around 18-25% annually. This was also during and after Iran crisis.
In the 80s in Canada inflation was up to ~13%. Mortgage rates were over 15%.

Callaghan (prime minister before thatcher) already started to open up capital controls in 77, two years prior to the Thatcher government.

I also don't think you had ~50% of you population working in informal labour not paying taxes, nor small businesses not paying taxes. Most of the labour force was in unions. It wasn't until her government where they deregulated and were trying to get more "flexible" employment terms.
Britain also had credit available to it in debt markets.

The 80s is also when much of domestic manufacturing in the west started transferring to the far east (from North America) and probably also from Europe though they utilized eastern European countries also and still do for cheaper manufacturing. In otherwards, England went through a similar transition from manufacturing to a more service based economy like the North American economies.

Historically, you can look at Canada (Federal and Provincial) in the 90s, Ireland Post-2008 crisis, and Baltic states in the 2010s that instituted severe cost cutting. These examples are considered successes and were periods were followed by large growth. Any government talking about returning to a balanced budget or surplus these days will require severe cuts/ austerity measures.

Switch forward to Argentina, international debt markets were closed to the country effectively. This is a total game changer.
All countries these days run deficits and fund it with debt. When this is not available your play book needs to change. And that is what is going on now and is working.

Argentina did not have the option of continuing down the path it was on. It already was in hyperinflation territory.
Argentina needed to cut spending. Previous Kirchener governments 1) swapped lower interest IMF loans (5%) to selling bonds to Venezuela at 50-150% higher interest rates (7-15%) no clear indication why?, and 2) they robbed the pension system and replaced it with debt as well as in other departmental agencies. So sure external debt didn't go up, but they sold the farm to do so.

Also worth noting, that any funds earned from partial stakes of government companies/agencies sold in Argentina are not included in the surplus calculation used by the IMF loan to Argentina. So they need to make sure they are on a sustainable path.

My opinion, everyone against natural resources (mining and oil and gas) and agriculture (cattle and crops) expansion think Argentina has different options than every other country in the world but won't explain what they are. These industries provide higher wage direct and indirect jobs, support local vendors and local communities, a future where they can provide services in engineering and support in these industries to other countries, exports that support the peso.

The loss of 18k jobs over 2+ years in the textile and its upstream industries will be balanced out by the these industries easily. There were major changes with technology throughout the 1900s. People retrain and new jobs and industries emerge. How much of the economy and jobs revolves around mobile technology and the internet, none of which realistically existed at scale in 1990? Online shopping changed stores, malls etc 20-30 years ago. Argentina is going through this now. Stores moving to storefront on Mercado Libre etc.

Additionally, the focus needs to be on formalizing the economy. No large economy has 50% of its labour force working off the books, and small businesses either entirely or partially off the books. When people want to know why the government is not spending (more) money on certain things, ask them with what money. People want to not pay tax but demand the government provide services etc.

If Argentina continues on the path that they are on, then I don't think it will be an issue for them to reenter debt markets to finance government spending in 2 years, so long as it is limited and disciplined. Right now you can already see the risk between 2027 and post election bonds. Although Caputo thinks the "kuka" risk is 0, the market is not indicating that. See the graphic below for interest rates on bonds by maturity. If Milei wins, and the fiscal prudence remains in place, and the growth comes then things should return similar to a more "normal" country. Yes, I know I said the growth comes, this is purposeful. There is investment lined up, in execution and progress. You simply don't just spend that money that fast. Things take time to plan, engineer, build. Even if Argentina provides approvals, some of these projects will be going to international organizations and banks for funding rather than funding themselves from existing operations, and that requires additional things for approvals which may be more stringent than Argentina requirements. There is still more to change behaviorally within the country, and that includes formalizing the economy. Everything takes time. If Milei loses, then you can already see the risk assumed by markets of what that entails, and if it is simply a return to previous policies then I think things will get far worse. Personally, I agree with individuals opinions that I have read that suggest the left is secretly pretty happy with the cuts that Milei has made because they know it was necessary and helps the country and they didn't need to spend political capital on it.

Frank, I have also included an AI Detector result for you at the bottom, I'm still human.

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