@yanokwa

I’d like one number that folks on WhatsApp and LINE can use. How do I do this with Google Voice? Would it work better if I switch to a Skype number?

Every accountant is going to tell you that you really should be keeping separate accounts for all your businesses and even projects that may one day become businesses. But in my experience setting up a new account associated with an actual business entity is a pretty annoying process involving an in-person visit to a bank branch, proof of residence in that branch’s region, etc. Has anybody seen a bank that let’s you easily create a simple business checking account online and more importantly that would let you add additional accounts and transfer funds between them?

Does anyone have recommendations to handle physical mail? In the USA, I’ve noticed various services over the years where you get a physical address that you can change your address to, they receive your mail, scan stuff and send you PDF’s.

Has anyone used these types of services? Impressions?

Hi. Newbie here.
Wondering if anyone here has expertise in being an “investor” nomad where you travel and live off investment income? I’m contemplating fleeing the rat race and wanted to throw out a few thoughts and ideas.

Have a UK passport so don’t get taxed on worldwide income whilst non-resident.
I’m thinking of residency in Malaysia (MM2H) or Philippines (Retirement visa).

In terms of generating tax efficient income:

• HK, Singapore and UK don’t withhold tax on equity dividends or preference shares
• USA doesn’t tax capital gains (but has nasty estate taxes on equities) for non-residents
• USA debt securities (CDs/corp debt) do not withhold tax (w8-ben)
• USA based p2p lending should be same as debt securities asset class hence no withholding
• Eurobonds do not withhold tax on interest payments (look to have a spread of local currency bonds).

Would look to supplement by buying property (have my eyes on a few places in Philippines) to rent out. Would also look to invest in local businesses wherever I find opportunities.

Appreciate any advise or insight people might have!

I worked out a few times a week back home, but haven’t been able to figure out how to make it a part of my routine now that I’m living out of my backpack in hostels. I’ve always gone to gyms, but I’d be open to trying bodyweight exercises. I thought that I might be able to do bodyweight exercises in parks/etc, but the past few days in London have been wet and miserable and I can’t find the motivation to go do push ups in wet grass. Any advice?

For some of us maintaining a US Based Bank is just a necessity. Either we never pick up residency abroad, or have a US based business for which a US based account makes life easy.

Purely online personal banking is a growing trend. Schwab has a great checking account that reimburses ATM fees and has no international fees, Simple is a new online only bank with tons of great features (though not so great for nomads abroad).

Anyone know of similar services for small business online?

Features I’m looking for:

• Business accounts (not a human name on the account)
• Great website experience
• Photo Check deposit
• Cheap / below-average transfer and wire fees
• Cheap fees / minimum balance requirements
  I prefer storing my cash in personal accounts or investment accounts
• Free international use of cards