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> for Osome singapore i just use transferwise for business and they have some neobank partners
but that's my point, if the money enters Singapore, then based on what I'm seeing it will be taxed whereas if it doesn't, it won't 😕
```Foreign-source income - Foreign-source income is usually exempt from taxation, provided that is not remitted to Singapore. Undistributed income of foreign subsidiaries is not subject to taxation.```
Why are you all trying to get your tax to 0%? It will only put you on int'l lists and the next leaked Panama-type Papers
If you're smart you pay reasonable amount of tax and you do things legal and white hat
Just my 2 cents
Singapore corp has nice tax discounts for first 3Y anyway and then 17% which is low corpo tax rate
Low compared to EU but not so low to make it a tax haven
If you're smart you keep money in company anyway and invest it through it, use company to expense and take out nice salary over next 60 years and you legally reduce your tax while not being a suspicious guy
I'll still pay high income tax on any money I pay myself (whether as salary or dividends) so trying to limit as much as I can before that

But acknowledged, it's probably easier to just stick to the one jurisdiction
It does seem like irrespective of the corporate tax rate, if you pay yourself all the income as salary or whatever, there won't really be any corporate tax because the company never makes a profit after paying you
Why would you do that? You can save more money on personal income tax by keeping it in the company and expensing instead
Smart people expense a lot, and take out low salary and dividends
Then when you're 60 you can keep paying yourself salary from that massive corporate cash balance etc
U spread personal income tax over years
I think I'll just go with owosome UK Ltd
It includes payments, which makes things wayyy easier

Worry about tax later as advised
Osome have been really great and good on-boarding process
dcimubuspujvxsxf best to remove that before the mod sees it ;)
ahhh soz
This message was deleted.
Hey! Not an expert here but have been looking into Greece’s golden visa. If you purchase a property of 250 000 eur you get a Greece residency with no physical requirement of any kind. Just residency, not citizenship. You could get a loan and Airbnb that property. Mykonos for example has good properties and is very touristy. Maybe not the best option since you would have to get a loan but with $50k you could probably put a down payment, pay legal fees, and pay the first year of the loan.
anybody knows how to get an Anmeldung in Germany without living there? I am registered but spend most of my time in other countries.
Would Estonian e-residency work?
I don't think so smiling_face_with_tear
Not sure if this is the right place to post, if not point me in the right direction -> any Estonian e-residents with an estonian company able to sign documents without a laptop? The e-business register wants the id card with chip to sign -> I’m on an iPad only lately and looking for a solution. There is a DigiDoc app for the iPad but it can only read and not sign as there is no card reader for the iPad (there used to be one but it doesn’t work with newer iPads). Wondering if there is some other smart solution, the digital id support have been useless in regards.
“Anmeldung” is done in “Bürgeramt” with proof of residence.
I am aware of that. never mind. thx
My apologies, I sincerely tried to help. prayskin-tone-3 You say you are “registered” which is German for “Anmeldung”. So I'm not sure why you need another “Anmeldung” if you already have it.
I am also curious
Hello. I'm starting my digital nomad life and got some questions. How you guys book the flight tickets. You buy an enter and exit of a country or just an entry? Did anyone have trouble with immigration buying only the one and not specifying when you would leave the country?
depends on the country, some do care, others don't
Some countries care, and that information is publically available. Some airlines care even if the country doesn't, and they aren't always open about that
Worst case, you book a cheap flight, train, or bus out of the country a month down the line and either cancel or just ignore it
There are services that do that for you, but some of them have been known to fake itineraries and people have been caught off guard from that
One trick is that flights to and from the US are legally required to be fully refundable if you cancel within 24 hrs. So that's an option especially for countries like Mexico that have lots of cheap flights to us (minimal $ risk)
Hi, what do you folks recommend to set up a company in Singapore? Osome? Sleek? I am looking through channel history but it's hard to know which is the preferred choice these days. Thanks!
i use osome singapore and highly recommend.. they are super proactive and the app messaging platform is really great.
Hello nomads,

Question regarding EU laws.

Hopefully one of you can shed some light on the following since I keep finding contradicting info.

I am a Dutch citizen / nationality and therefore am allowed to freely stay in any other EU country for 90 days within a 180 day 'cooldown' period.

1. Lets say I travel to Spain for 90 days. Can I then travel to Portugal (or any other EU country) right after and stay there again for 90 days, or does the cooldown period apply to every EU country, or just one specific country?
2. Spain specific if I want to stay longer than 90 days I can request a NIE. Taxation applied when you stay in Spain for longer than 186 days. Does this mean I can stay in Spain up until the 186 days without any tax laws being applied? I understand it that a NIE also means tax rules, but not sure about this.
3. If I perform online freelance work (digital agency) when visiting a EU country; do any taxation applies within that 90 day period? Or does that only start when the longer-than-x-months rule goes into effect?
Maybe I'm reading your message wrong but as a EU citizen you can work/live an any other EU country which is part of the Schengen zone as long as you like. If your question refers to where you have to pay taxes I guess it's a combination of where your residence is and where you actually work/live. However, best to ask a lawyer with these things.
ekhovrts I'm going to blow your mind but okay:

As a EU citizen you can stay forever until you die in any EU country and work there and get free healthcare!

No requirement to register for anything. This is European Union's free movement law. It's what the EU is about.

Happy to 🤯 you today.
Sleek is gr8
Sleek looks cheaper than osome
My friends had many good exp w sleek
hbzholtz re questions in DM yes if you decide to live more permanently in an EU country, it makes sense to register officially in that country. But again it's not super necessary. EU is a single country in terms of living, working and healthcare.
You're heavily overthinking this and need to reduce your paranoia/overthinking by 10x. You're an EU citizen. Nobody in EU rly cares what you do essentially. If you're non EU yes, very diff.
You're right. Thanks for clarifying. Pretty great to be fair.
Thanks guys. Had a 30-min call with a Sleek account exec, it was a good experience.

I had been chatting with an Osome guy too, they also seem nice. Good to have choices. 🙂
What was the pricing like vs each? Is Osome alot more expensive?
Osome is 3350 + 200 for multi-currency
Sleek is 3000 + 200 for multi-currency

So Osome is like 350 SGD/yr more expensive from what I can tell.
I’m on that ^
ourkmnteftebglma sorry, updated previous message
Does sleek inc mailing/live chat with accountant and corporate sec team?
Yes, that pricing includes that.
There's also rebase.co/portugal|https://rebase.co/portugal that I would look into
You could boot your personal system from an external encrypted disk (NVMe on Thunderbolt) and also encrypt the internal one
Hi everyone, quick question — How do people handle taxes/optimizing finances while doing digital nomading? For context I’m a Canadian citizen, but I have been living in the US on a visa for 6 years (first student visa, now work visa). I’ve been getting more and more into digital nomading and I’ve been doing 1-2 month-long trips where I’ll go somewhere and just work from there, but basically just be there as a tourist and only handle taxes in the US.

If I want to start doing this for a bit longer, especially many countries per year, I assume it’ll have more complex tax implications, no? How do you all handle that for the seasoned digital nomads? I looked up some articles online and they all basically say “haha good luck with that” which sounds kinda scary
“quick question” lol. i think this is probably the most complicated concern for digital nomads that i have come across. see nomadlist.com/faq#taxbr />
this has been on my mind recently as well, so i’ll add my thoughts.

it seems that digital nomads are in a lot of legal grey area when it comes to taxes for foreign countries. i think the majority of this population doesn’t even think about it; they just travel and dont pay taxes that they may be obligated for. after that majority group, the second largest group probably just abides by the 183-day rule of thumb, which is just that, a general rule that doesn’t always apply. beyond that, i think there are only really four options 1) read the tax law in the country your going , 2) hire a tax professional in that country you are visiting, 3) hire a tax professional in the country you pay taxes that knows the tax laws of the foreign country you are going, or 4) international tax professional

option 1 is really untenable for a number of reasons, mainly because of the language barrier. for 2, this is financially untenable for most digital nomads to pay for a tax professional in each country visited and it is unlikely they will know rules for expats, as that is not their main client base. for 3, there is really only a market for the most commonly visited areas for expats, for example US tax professionals knowledgable in Mexico tax law for expats. so the coverage is not full, only a small fraction really. and for 4, financially untenable as mentioned in FAQ

so hence the “good luck with that”. i think 3 is the best option if you are visiting a country that frequently has expats from the country you pay taxes. beyond that, is is extremely challenging.

as you can tell by my account, i’m not a seasoned digital nomad, so i’m curious what the more “senior” digital nomads think
Interesting, I wonder if there’s a way to make this process better. I guess as long as you’re not getting in trouble for staying 1-2-3mo somewhere and not paying taxes then no need to change anything, plus you’d still list as resident in your other home country so you’d just pay even more taxes
Yeah that sounds fair enough
You can solve it partly by setting up a company and running as much as possible of your income through that and only paying out what you need. This keeps the major tax burden tied to the place the company is located and for your personal tax you proceed as mentioned above. Of course this doesn’t apply for everyone and might not be feasible.
kkotanmhdhezm could you elaborate a bit more on how this would work? If I create a company, say, in the US and then live all over the world, wouldn’t the company need to pay income tax for me in the different places I live?
that approach may reduce your overall total tax liability, but i don’t believe it removes your potential tax obligation. you still have to distribute something to yourself as income, in most cases (unless you’re really cash heavy for the time you’re abroad). so i don’t see how its a solution unless country-specific rules have some condition regarding personal income limits, which i’ve never seen — you’re taxed on every penny if you’re liable in most cases. also, i think there may be an opportunity cost to harboring so much cash in a company account; i think there are ways of investing in a corporate account, but that seems very complicated to me and probably not feasible for most people as well
So if I’m understanding correctly, the proposed approach here:

1. Create some company/LLC
2. Pay yourself a minuscule salary
3. Receive income as revenue in your company, and keep the cash in the bank
4. Use that company bank as your primary mode of spending, essentially claiming everything is a business expense
5. Travel around the world not paying taxes wherever you go, which is fine because you make virtually no money (as an individual)
6. Pay company taxes only in whatever country your company is legally established
Is that a good summary?
Point 4 you cannot claim everything and it depends on what country you incorporate in. Around the world you pay tax on your personal income -> you can't escape that, but it depends on a lot of things, do your own research and evaluate your own risk tolerance and patience for bureaucracy. The world is not built for nomads, only for tourists and expats so far. So I assume a lot of us just navigate gray areas. Personally I evaluate based on how much time I spend in a place. If it's more than tourism then I think it's fair to pay some taxes.

The trick lies in maybe you incorporate somewhere with very low corporate tax. This leaves more money for you to reinvest as a company as mentioned, but it is a rabbit hole and only makes sense after you exceed a certain income level, depending on your case, there is some math to do vs time spend.

Oh and some countries, if I'm not mistaken the US does this, don't care where you live, you always pay personal income tax home
thanks for the answers!
Hello all. Can anybody please recommend a good employment lawyer?
Hey U0303H3EWVD! There are actually tax firms who specialize in this. Check out Nomad-Tax-dot-io (It won't let me post a link because I am new to the community :face_with_rolling_eyes:). They do state they are specifically geared towards US-based nomads, but maybe they can help direct you to some resources for Canadian tax questions?
oh interesting, thanks so much for the tip I’ll check them out!
Something that I haven't seen mentioned. A lot of countries have tax treaties to prevent double taxation. So while you may have to file in another country, you won't pay taxes.
For instance my payroll is Canada but I am a resident on Colombia and there is a treaty.
The USA has some tax treaties but not all.
I'm a Canadian citizen, and in 2021 severed ties with Canada to become a tax resident of Antigua and Barbuda. Unfortunately, it was not a simple process, and there is a substantial presence test that Canada, the US and other governments use to deem you a non-resident. I lawyered up in 2020 and it tool almost a year to prepare for this departure and do it properly.

Setting up a company to defer taxes isn't a bad idea, but it's not going to help you pay less tax or is a helpful strategy related to travelling for an additional 1 - 2 months per year. All of the profit or gain during the period that you were a resident of Canada (or the US for that matter) will eventually be taxed even if you later decide to become a non-resident of Canada and a tax-resident in a tax-neutral jurisdiction. The only way to break free it to become a non-resident of Canada or the US and a tax resident elsewhere.

One exciting thing you have going for you, uirqnhgypkjtynv my Canadian friend, is unlike our US counterparts, Canadians are not taxed worldwide income if they decide to become a non-resident for tax purposes. I've spent hundreds of hours researching this and love talking business, tax and living abroad. There are so many options around the world to live low-tax or tax free lives including the Caribbean, Portugal, Dubai, and even Bali!

If any of you have any other questions or are looking to learn more about the process of leaving your home country, PM me anytime or hunt me down!

@dan.the.island.man 🏝
fycqepzakkwtrhw I'm a Canadian citizen, and in 2021 severed ties with Canada to become a tax resident of Antigua and Barbuda. Unfortunately, it was not a simple process, and there is a substantial presence test that Canada, the US and other governments use to deem you a non-resident. I lawyered up in 2020 and it tool almost a year to prepare for this departure and do it properly.

Until you become a non-resident of Canada or the US for that matter, all of the profit or gain during the period even if it's in a corporation will eventually be taxed even if you later decide to become a non-resident of Canada and a tax-resident in a tax-neutral jurisdiction. The only way to break free it to become a non-resident of Canada or the US and a tax resident elsewhere.

One exciting thing you have going for you, ofkydvpptyjxvst my Canadian friend, is unlike our US counterparts, Canadians are not taxed worldwide income if they decide to become a non-resident for tax purposes. I've spent hundreds of hours researching this and love talking business, tax and living abroad. There are so many options around the world to live low-tax or tax free lives including the Caribbean, Portugal, Dubai, Thailand and recently Bali!

If any of you have any other questions or are looking to learn more about the process of leaving your home country, PM me anytime or hunt me down!

@dan.the.island.man 🏝
That’s amazing, thanks Dan I’ll message you!
Hi guys, does anyone know how to handle taxes and legal things if you are working employed for a german conpany? My company is fine with me traveling and working from anywhere but we have this stupid 183 days rule in germany and its freaking them out..... need help asap. Does anyone have the same probolem OR knows someone who could consult me in that matter? Thannk you
Germany or any other country will never tell you "stop paying taxes" because you don't reside for 183 days
The fiscal residency is about you leave a country and take fiscal residency in another country to pay less, and the previous country asks you to prove that you did not stay for more than 183 days in that previous country
OR another country you are visiting, while being tax resident in your case in Germany, and the "another country" asks you for taxes and to prove that you don't stay there for more than 183
otherwise, anybody would just walk past the border for 6 months and stop paying taxes
the 183 days is everywhere basically (at least in EU)
Ok cool, that's also what I thought from my research but my boss was afraid the company might get in trouble because of me working from everywhere
btw I think if you have an accountant in Germany s/he can write you that in an email probably
I don't :( and I wonder why the company's accountant made such a fuss about it lol
yea maybe to show that they really care about their clients ultrafastparrot
🤣
I would find one in Germany that can give you a different point of view!
Haha yesss
As long as you don't stay in any particular country for 183 days in a year, your residency should stay where it currently is

After 183 days in a country, that country will start wanting your tax money and then they fight Germany for it and that's when you're in trouble
I did it! I got my first remote job! Beyond excited. The company is based in the UK and they say that they have to pay a company owned by me as a sub contractor.

I'm so new to this. What country should I register my business in?

I am a Canadian citizen, however, I have achieved perpetual traveler status for several years now. I have no residency as I have been working on yachts for the last few years and never stay in one place for longer than a few months.

My personal residency is for a different post. (I'm thinking México, Paraguay or Portugal). I woukd just like some advice about how to set up my company as a sub contractor. I've always been an employee.

Many thanks!!
I like Singapore for company reg!
Hey friends! I have a pretty general question that I wasn't able to find in this channel yet, but forgive me if it's v new-nomad-bb of me :smiling_face_with_tear:

For US citizens employed by a US company but work remotely (i.e. from their computers/not required to be in-office) is working outside of the country of your permanent residence/employment (i.e. the US) on a tourist visa generally chill or are there weird legal/tax implications I'm not weary of?

Basically, I'd love to spend ~3-4 months this year working outside of the US both in Europe and South America. This time wouldn't necessarily be consecutive (I'd maybe come back to the US in between some trips) and I wouldn't spend more than 1 month in any given country.

My tax accountant actually said this would be totally fine and not an issue, but because I've worked for companies in the past that were strict about not working outside of the country you were hired in (my current company has more of a don't ask don't tell policy vibe), I'm hoping to get the opinions of experienced nomads!

Any advice/thoughts would be super appreciated ☺️ crossed_fingersskin-tone-4
This should not be an issue at all. I've done that many times (US citizen, same deal as you). It really more depends on your company. Some places say there are tax implications of working from another country because they don't want to deal with potentially people working in a place long enough to be considered a resident of that other country. One payroll providers said somewhere a limit is 4 months in 12 month period in any country. But in your situation you're good.
Is there a particular reason they require the company? I work for a UK company as a contractor and have no such requirement.
Only thing I have read on this topic is to be careful about the 183-day residency rule if staying in one country orzbudjjqxibs as I have been researching quite. a bit on this topic
It's a complex topic, I'd recommend reading about flag theory to see what's best for you, every case is different
Congrats! Why not register the company in the UK? Everything in English already, minimal bureaucracy (esp. compared to the US and most EU countries) and lots of banking/legal/accounting services to choose from.
Also, whatever you decide to do, run it past an accountant... Or, even better, a lawyer
I’ve done singapore!
Hey all, anyone have any experience opening a company in Montenegro by any chance? How difficult is it to do so?
I have a weird question, please bear with me

I had been in Canada on student visa since November last year, last month I decided to drop my studies, I still do have a temporary resident visa

my question:
- Anybody here knows what's the "official" way of dropping your studies as an international student?

Some more:
I wish to travel to Europe (France) in July, and would need a Schengen. Now for Schengen I do have to submit my reason of being in Canada (as a non-citizen) I have already booked an appointment with that reason being a student.

my 2nd question:
- If I now withdraw my studies, and still apply as a student for the Schengen visa - how likely is it that my application would be rejected? (I definitely do not want that)

More context for someone who's read until this point I'm working full-time, remotely, since the past 3 years with a startup (I applied for a student visa to Canada mostly for immigration, but I have now changed my mind, hence dropping)
Not having a proper tax residence setup especially in a low-tax jurisdiction becoming a big problem for nomads who make significant income. Let's say above $150,000 USD. There are many countries where you can be a tax resident an have a lower than 183 day minimum stay requirement. Often the problem here is properly severing ties with you former home country such as Canada, EU, or US (which is much tougher I should mention).
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