The Expat Chat

The Expat Chat

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The Expat Chat episodes

  • Traveling the World on $US63 Per Day - An Experiment in Retirement Living

    Feeling jealous about your children enjoying a gap year overseas? So were Duncan and Jane Dempster-Smith until they asked the question “Why can’t we have a 12 month overseas escape too?” They failed to come up with a good reason why not, and in 2013 headed away on a 12 month sabbatical with the goal of seeing the world and living on $A185 per day – the target for what it would have cost them to have stayed at home.

    Experiment over, they decided on their return that it was possible to gear themselves for a more permanent travel experience and, after a short period of housesitting, they embarked on a more permanent overseas lifestyle with the goal of living on the equivalent of the Australian pension of $A92 per day, around $US63.

    Well into their experiment the Dempster-Smiths are hitting their expense goals while having a ball traveling the world. In our interview with them they talk through the process of planning, how to ask the right questions before you start and how to keep your travels to an unbelievably affordable budget

    You can check out their blog and investigate how to get started on your own adventure with their handy resources at http://totraveltoo.com

     

    What I learned from speaking with Duncan and Jane:

    1. If the children are keeping you from going then clarify why. When Duncan and Jane established their children were seeking financial rather than emotional support it made it easier to make provision and not let guilt stand in the road of their adventure.
    2. Ask good questions. Don’t assume something is impossible, instead ask how it can be done. Their expectations of the budget they could live on was higher than it needed to be until they encountered the experiences of others who were doing it for less.
    3. Slow your travel down. The cost of relocation is significantly reduced on a daily basis the longer you stay in one spot – and you get a truer experience of what a place is like if you can stop to smell the roses.
    4. Again they emphasized the benefits of housesitting as a means of reducing costs. They got a few housesits under their belt at home in Australia before they embarked.
    5. If relocating don’t just consider airlines. Cruise relocations such as their Miami to Barcelona sailing cost $800 for 14 nights – an average of $57 per day including accommodation, all meals, transport and entertainment. Try matching that on an airline!
    6. 45 min
    7. Why Iran Should be Seriously on Your Travel List

      Turning a part time travel blog into a fulltime means of income may not be as easy as you think. For Italian Margherita Rag and Australian partner Nik Burns the decision to start fulltime travel wasn’t a hard one.

      The two met in London and started their travel adventures in 2009, initially living off savings. They developed their blog which initially had a short hiatus but have committed to using it as a regular source of income in the last 12 months.

      In this interview Nik and Margherita talk about their adventures in Europe, their experience in Iran, and offer some great advice on how to develop and monetize a successful travel blog.

      You can check them out at http://www.thecrowdedplanet.com

      What I learned from Nik and Margherita’s interview:

      1. Look for a fresh angle on your travel blog. There are a lot of blogs out there so you need to offer something different. Nik and Margherita look for different things to do in well known locations or stunning nature spots that don’t get the high profile from Lonely Planet.
      2. Be persistent with it. Don’t expect that the world will beat a path to your door after two or three blogs.
      3. Don’t be afraid to ask for sponsors and freebies. Margherita contacted a bungy jump company offering a review in return for a free jump and found that the company had contacted over 100 travel bloggers and couldn’t find anyone ready to do it!
      4. Iran should be on your bucket list! Far from being dangerous it had some of the most welcoming people that they had encountered on their travels

        42 min
      5. Single in South East Asia: Leaving the Health Service for a New Life Abroad

        You never know where a chance meeting can take you. A train ride to London saw Alice Nettleingham sitting beside a girl who had just come back from teaching English in India. Alice’s life in the English National Health Service wasn’t unhappy but she felt there was more. Inspired by her talk Alice decided to venture out and explore the world and three months later found herself in South Korea.

        She has since explored much of Asia, falling in love with the region and its people. She will traditionally spend a good period of time in each place she visits getting to know it properly, and never quite knows where her next adventure will take her.

        We caught up with Alice in Taiwan where she has been for the last month. You can check out her blog at   http://teacaketravels.com

        What I learned from Alice’s Interview:

        1. Being young, female and single doesn’t stop you from venturing out into the world and discovering what the planet has to offer.
        2. Be spontaneous! Within 3 months of her chance meeting with someone who had taught English in India Alice had completed her TEFL training and was on her way to South Korea
        3. Don’t always believe the media. Her father was fearful of her going to Korea due to the rumblings of North Korean trouble but when she arrived she found the people of South Korea were relaxed and found the whole thing quite laughable. Always remember the media love a good story and the best way to find out the truth is to speak to people who have been there.
        4. China offers fantastic trekking, hiking and mountain biking trails – who would have thought!
        5. Taiwan is very affordable. I had assumed as an economic power that it might be on a similar costing to places like Japan but transportation and meals are very cheap there

          32 min
        6. Living in Penang, Malaysia - an On Location Interview

          Today in our first ever on-location interview we caught up with Daniel Chen, an expat American and Steve Struyck a retired Dutchman who have both made the move to Penang, Malaysia. In this interview Daniel and Steven share their experiences of Penang, why they love living in Malaysia, and the cost of living they have in this country.

          It was great to do our own research into expat living while we were here. Accommodation is very affordable, with an average 2 -3 bedroom apartment going for around $400-$600 US per month. Food is extremely cheap, especially if you enjoy the local street markets and Penang itself is an interesting combination of cultures with Malay, Chinese and Indian all being integral to the community – and an ever growing number of Western expats flavoring the mix.

          Let’s let Daniel and Steven share their views:

          What I learned from Daniel and Steven:

          1. Malaysia offers a number of visa options for expats. In Daniels case he was able to get a 2 year renewable visa based on establishing his online business. Steven took advantage of the My Second Home visa option which gives him a ten year right of staying.
          2. Health treatment is first class. Both were happy with the treatment they had had there; in Daniels case his wife had given birth to two of their children there and not only was the health care good, but it was considerably cheaper than what it would have cost him in the US.
          3. Safety wasn’t a big issue for either of them. Crime does exist but is no worse than they would have experienced in their own home country.
          4. Property prices have increased considerably in the last few years. Both Daniel who rents and Steven who owns his own place had not had any trouble with the process of gaining their accommodation. Many properties are bought up by Chinese investors who leave them empty but this doesn’t seem to be putting too much pressure on rents. Daniel has paid the same amount for the last four years!
          5. 1 hr 10 min
          6. The World's First Digital Nomad (Maybe!)

            Was he the world’s first digital nomad? Maybe, maybe not... but there is little doubt that James Clark was one of the first people to make an online living while traveling.

            The Melbourne native took to the road fulltime in 2003 while earning an income from his website business and he hasn’t stopped moving since. Currently based in Vietnam he spends much of the year traveling between various hubs catching up with online colleagues. James has built his business to now include travel blogging and helping others start their own online travel business.

            We caught up with James on the move in Singapore where we discussed his early beginnings, life in Vietnam and where he sees the opportunities ahead for people wanting to do what he does.

            You can catch James blog at http://www.nomadicnotes.com

             

            What I learned from speaking with James:

            1. Vietnam is a fast developing infrastructure – although strictly speaking communist it is home to an entrepreneurial spirit helped by a population which is 70% under the age of 40. This gives the country a vibrancy and energy that James loves. Although it is fast developing the cost of living is low with a person on their own able to survive comfortably on less than $1000 per month.
            2. If you’re serious about building an online business start at home in the evenings. It’s easy to start flicking through social media (something he didn’t have to worry about when starting) or watching an average television show but these are the moments when you make your choices in life. Remind yourself that you want to build a location independent business and keep at it for as long as you need to.
            3. Look at options to retain your existing job. Moving away doesn’t mean you have to throw it all away. If you have an accommodating boss, a mobile job, and you love what you do then you might be able to take it on the road with you.
            4. Being a digital nomad doesn’t mean an easy life of checking the occasional email. James still works 35-40 hour weeks but admits that the four hour work week is a little unrealistic for most people. He does find however that he no longer has such as thing as weekends as he works anytime he feels like it
            5. Catching up with friends is a big part of what he does. Being on the road can be lonely but James has regular hubs he visits such as Melbourne, his original home city and Bangkok where he can see old friends and have a little grounding in his life before he heads away again
            6. 35 min
            7. Work Anywhere You Want: A Future World of Location Free Earning

              Thanks to the growth of the internet more and more people are enjoying the opportunity to work from wherever they wish, anytime they wish. It is the biggest change in our working environment since the industrial revolution created the growth of cities. It provides freedom on a level our ancestors would struggle to comprehend. It’s creating the perfect cloud based nirvana for those wishing to travel.

              But even a digital nomad sometimes needs an oasis in the desert.

              Traveling the world making money online can be a lonely business – at times you wish you had somewhere to go where you could have internet that works and a place to relax with like-minded online entrepreneurs. Hubud is exactly that.

              Founded in 2012 Hubud is a collaborative space established in Bali (hence its name; a mixture of Hub and Ubud). It provides a relaxing environment with work space for numerous online advocates, along with meeting rooms and regular seminars designed to provide you with the latest in technical knowledge.

              We met up with Hubud co –founder Steve Munroe on Skype to discuss the future of international working hubs, Bali generally and how Hubud provides Knowmads as Steve calls them, with more than just a working environment.

              You can find out more about Hubud at http://www.hubud.org and their education programs at http://turnpoint.io

              What I learned from Steve’s interview:

              1. As we become a more online working world the chance to utilize resources like Hubud, where you can have resources and support networks for a fraction of the cost of most western cities, appears to be the way of the future. Technology is breaking down many of the traditional barriers to working and we’re only going to see an increase in the number of international citizens moving from location to location enjoying environments such as this.
              2. There is more than one side to Bali – Kuta gets the attention as the nightlife capital but for those seeking a quieter life then Ubud provides a much more pleasant environment. Steve believes working in a co –space can provide members with a significant increase in their productivity thanks to the surroundings and environment. Cost of living is relatively low and even allowing for Hubud’s expenses a digital nomad will generally not spend a lot more than $1000-$1500 per month depending on lifestyle.
              3. 38 min
              4. Tales from Tel Aviv; Why I Left LA to Rebuild My Business

                Sometimes circumstances outside of your control can be the catalyst to finally make the step to becoming an expat.

                For Ron Perry the 2008 economic crisis forced him to downsize his web design business and think about how he could run his operations while being location independent. Influenced by The Four Hour Workweek Ron made a conscious choice to reorganize his life and in 2010 he headed abroad setting up shop in Chiang Mai Thailand.

                In this interview he talks about the challenges of setting up a bricks and mortar bar in Chiang Mai, the online tools that have helped him build his web design business https://egnite.biz/  to being 10 times bigger than it was before he left and the excitement he gets from living in his new location of Tel Aviv, Israel – and why it’s not as dangerous as most people think.

                 

                What I learned from Ron’s interview:

                1. Tel Aviv, Israel is safe. Sure you have to be a little more cautious than other parts of the world but he is comfortable in that environment and has not encountered any problems during his time there. If you’re looking for a bargain lifestyle though Israel isn’t it – with many of the costs being comparable or higher than the United States.
                2. If you’re planning on opening a bricks and mortar business in Thailand you need to be patient, with paperwork issues and various business “fines” being the order of the day. You may find an easier way to make a living!
                3. If you’re thinking of becoming remotely connected to your business there is so many tools available that can help and are easy to use. Ron uses online services from mail forwarding to file sharing, project management platforms to communication websites that have enabled him to grow his business substantially while removing himself from being caught up in the middle of the process.
                4. If you do become a cloud based business you might need to rethink your marketing strategy. Ron went from having a team of on the ground sales people to working with affiliates who were able to promote his services in return for a percentage fee. The result was a much better return on his investment in generating sales.
                5. Don’t tell yourself you can’t do something – ask yourself how it can be done. Ron used this approach with much of the challenges he faced when moving overseas and always managed to work through a solution. Asking the right questions can make all the difference!
                6. 44 min
                7. Why 50 is the New 30 For Travelers

                  Some business headaches were the catalyst for Tom Bartel and Kristin Henning decision to leave their Minnesota home and start traveling the world in 2010. Their publishing business had met some resistance with the global financial crisis and the couple decided it was the perfect opportunity to put their plans for a location independent lifestyle into gear.

                  5 years on the couple have now seen much of the world and have no intentions of slowing down anytime soon. We caught up with them visiting family at Lake Tahoe during one of their return trips to the US.

                  They show age is no barrier to travel! You can follow their journey at https://travelpast50.com

                   

                  What I learned from speaking with Tom and Kris:

                  1. Safety hasn’t been a big issue for them traveling, although they haven’t had the best memories of Quito, Ecuador in terms of theft! Even traveling the Middle East they felt reasonably comfortable. They believe that in more dangerous zones you can be better traveling alone like a local rather than in tour groups where you might appear more as a target. As Tom correctly pointed out there may be 3000 Americans killed by terrorists in the last 20 years but over 30000 have died from handguns – he feels much safer overseas and you can understand why!
                  2. Travel is very much about the people you meet. Most of their itinerary is now dictated by catching up with friends and fellow travelers they have met along the way. They have already made a number of trips to meet up with friends they made while walking the Camino Santiago in Spain.
                  3. Do what works for you. Although Tom and Kris don’t go high end they also prefer not to skimp. They use a variety of accommodation options and recommend that when it comes to travel you find what makes you comfortable.
                  4. Spain is high on their most enjoyable venues – as many travelers comment they love the Spanish joy for living and the relaxed way they approach life.
                  5. 37 min
                  6. No More Bean Counting: Why I Walked Away From Acountancy To Travel the World

                     It took Brendan Lee around 72 hours as a chartered accountant to realize that it wasn’t the career for him. But leaving wasn’t easy – he was on a committed tenure that meant he had 4 years to work – and what about his degree? 4 years of his life looked like going up in smoke, plus the additional time he had to spend working it off.

                    It would have been enough to worry most people but Brendan had a goal – travel. He knuckled down, paid off most of his student debt, worked out his tenure saving 50% of his salary along the way – and in 2010 embarked on a travel journey that doesn’t look like ending.

                    His travels have taken him through China, Asia, South America, Africa and parts of Europe – spending 8 months or so of each year overseas with 4 months back in his home country New Zealand.

                    We caught up with him in Zanzibar where we discussed the affordability of travel; why more people don’t do what he does, and why the current education system doesn’t provide people with the skills they need for the new global world in which we live.

                    This interview is a little longer than most but worth every minute. You can follow Brendan at http://www.brenontheroad.com where his new book is due for release shortly

                     

                    What I learned from Brendan:

                    1. Most people are fearful of becoming location independent because of the commitment they have made to their current lifestyle. It’s tough when you’ve committed a large amount of time and money on a career path to admit that you’re not happy and walk away from it. Brendan felt this as a graduate accountant but didn’t let it stand in his way.
                    2. Talking to Brendan really has me questioning if the modern education system is helping young people or becoming a noose around their neck. Certainly specialized degrees can lead to fulfilling career paths for those who know what they like but for many young people a degree is ending up as a load of debt with no job prospects, or job prospects that aren’t what they really want to do. Wouldn’t it have been easier if Brendan had known he didn’t want a career in accounting without spending 4 years of his life working towards it.
                    3. I love how he makes a point of leaving each place he lives in with a new skill or talent he didn’t have before. Salsa dancing in Ecuador; Boxing in the Philippines. Travel can develop you anyway but having a conscious plan to grow as a person in each destination makes the experience so much more rewarding.
                    4. Travel can change your attitude to money. Brendan’s desire to be rich largely disappeared once he started traveling and realized happiness and cash didn’t have to go hand in hand and the experiences that truly mattered weren’t going to cost him a lot.
                    5. 51 min
                    6. From the Middle East to a Place in Greece

                       The Middle East can seem a scary place – and not the ideal location for a single British woman to be heading to. For Amanda Settle spending more time in the British education system as a teacher wasn’t going to provide her with the fulfillment she was after. Feeling disillusioned she took a teaching position at an international school in Kuwait.

                      Since then she has worked in Qatar and Dubai, meeting her husband along the way. Amanda has now taken a break from teaching and relocated to the Greek island of Rhodes very close to the mainland of Turkey where she is enjoying the slow pace of village life.

                      Amanda joins us to talk about her experiences as a single woman in the Middle East and how she is enjoying the slower pace of life living in Greece.

                      Catch up with her at http://www.amandasettle.com

                       

                      What I learned from Amanda:

                      1. Accept the local culture particularly in the Middle East and don’t try and change it. You might be offended by some things that are considered commonplace but remember you are the visitor – so when in Rome! Do your homework before moving to the Middle East – know that it’s a totally different experience to what you’re used to. Talk to others who have done it first
                      2. If doing a teaching job there check your contract carefully. They can slip conditions in a little underhanded that you might need to look out for so go over it with a fine tooth comb and make sure you are comfortable with what’s expected.
                      3. Rhodes is affordable - try 1000 euros per month - but not as cheap as mainland Greece as goods have to be transported across. Source larger goods elsewhere. Amanda purchase most of her furniture for her rental property in the Middle East before shifting, finding that even with moving costs it was still better than buying it on the island.
                      4. Schengen rules allow only 3 months stays with 3 months leaving the Schengen zone so if you’re planning to go to Greece and don’t have a passport that gives you free access to Schengen zones you’ll need to accommodate these requirements. Do your research first.
                      5.  

                        34 min

                      About The Expat Chat

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                      The Expat Chat is a weekday podcast where we interview inspiring expats who have thrown off the constraints of western congestion to enjoy their dream lifestyle in other parts of the world. If you…

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