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Good Bank Account / Prepaid for travel?


by @dondizzler | 4yr  | 5 comments

Hey guys, iโ€™m a Canadian resident. I have a corporation registered in Canada, and all of my income flows through this account and eventually into my personal account. Iโ€™m considering either opening a second Canadian account or an offshore bank account for the purpose of travel. My goal is not to change my business structure or avoid taxes, but simply to make it easier to make purchase worldwide.

Iโ€™m planning to do some travel in Asia and eventually South America. I know that in many countries, fraud can be a problem. Not only will I have to fight with my back to keep my account from being locked (they tend to be cautious when it comes accessing your account internationally) but iโ€™m also concerned about having my card duplicated and used illegally.

What iโ€™m looking for is some kind of bank account or prepaid card I can use to travel with. The idea is that I would transfer money to the account online, then withdraw the balance in cash to pay for my expenses. Because there will never be a balance on the card, I wonโ€™t have to worry about fraud. Iโ€™d also like to see if there is a way that I could reduce the fees I pay on currency exchanges or withdrawing in a foreign country.

Anybody have any suggestions?

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@vfonic | 4yr

I use Revolut as a prepaid card that I can top up in seconds from a mobile app and am very happy with it. I had one fraud incident and they gave me back the money and shipped new card for free.

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@hmur | 4yr

I use my credit cards worldwide, and open local bank accounts when possible.

Most credit cards will charge an exchange fee on top of the transaction fee and exchange rate spread. The only Canadian card Iโ€™ve found that doesnโ€™t charge a currency exchange fee is the credit card issued through Amazon.ca (from Chase Bank, I believe). You can apply online.

Aside from that, itโ€™s often possible to open a bank account locally, then use Transferwise to get cash into it.

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@pashley | 4yr

I use an HSBC account, mainly because they have branches in a really large number of countries & their cards work in ATMs in other places as well. Quoting Wikivoyage:

HSBC is the worldโ€™s fourth largest bank, and a popular choice for expatriates because they have many international branches and some services specifically designed for expats. They were originally Hong Kong Shanghai Bank, set up in the 19th century to serve the China trade, so they have considerable experience with international banking. Headquarters are in London, but they advertise themselves as โ€œthe worldโ€™s local bankโ€ and have 6600 branches in 80 countries.
https://en.wikivoyage.org/wiki/Retiring_abroad#Financial_matters

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@kathrynoh | 4yr

Not exactly the same thing as you are looking for but I have two accounts with my bank. One is a debit Visa account and the other a higher interest account. I keep the bulk of my money in the higher interest account which has no ATM access or card associated with it and transfer what I need to the Visa account.

I normally only have $200 tops in that account so if the card gets stolen or otherwise compromised, thatโ€™s all they can access without hacking into my netbanking.

Transferring money from one account to another within the same bank is instantaneous and free of fees.

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@dondizzler | 4yr

Thanks kathy. I called my bank and asked about the type of structure you described, and they recommended this card to me:

http://www.visa.ca/en/personal/prepaidcards/visatravel_faq.jsp

they are available through most major canadian banks, just in case anyone else is looking.

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What's the best thing to do with your phone/ your phone number when travelling?


in Poland by @davda1546 | 7d 6 days ago | 6 comments

Hey, hope everyone is well!

We're leaving in a month to go travelling. Our first destination is still to be confirmed, but will likely be Poland or Slovakia. We will be moving around every month or two to different destinations.

The question we have is: what do people do with phones/ phone numbers when hopping from country to country? Ideally we'd just like one number for the whole trip (even better, the number we already have) wherever we go, rather than getting new SIMs with different numbers.

This is just so it's easier to keep in contact with family/ clients/ etc.

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Where do I get good legal advice/support to have a long-term stay?


in Lisbon, Portugal by @mzorrilla | 1mo 1 month ago | 1 comment

Hello, everyone!

My idea is to stay as low as 6 months and as long as a year (maybe, who knows) over Lisbon after doing some analysis from many cities in Europe.

I'm an Argentinian and Chilean (both nationalities) so... no Euro-pass for me (getting my Italian nationality could take 2 years easily). I'm also a remote worker and I have a really good income (I work for a Silicon Valley company) so I can show more than enough resources to stay in the country.

Everything I see online doesn't inspire me much confidence (most sites looks a bit scammy) and this is not a "vacation stay"... I want to be clear my head far away from Argentina right now. If someone has a good website, recommendations, etc I will super appreciate.

Thanks in advance!

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Best/quickest way from Italy to Croatia?


in Croatia by @ld | 2mo 1 month ago | 3 comments

Hello,

We are in Umbria until August 31. We've been here since March, but crisis-level visa extensions are over. After that we have to leave the EU. We would like to stay out of the USA (our home) due to it's covid crisis, at the same time we want to be responsible about travel. Ideally we would not travel at all, rather stay hidden in the countryside of Umbria forever until covid is more under control globally, but here we are!

So we must leave the Schengen zone. We should avoid USA. We should avoid long air travel.

We were thinking Croatia.

Do you recommend a route to Croatia? We are open to long train rides. Ideally not long ferry rides. Is there a ferry route under 4 hours? I read about it...I don't see it. If not, the other option is to make our way north and up over to Croatia via train.

I'd appreciate your thoughts and insights!

Thanks.

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How to get a UK residence address without renting/buying?


by @pavel_maximov | 3mo 3 months ago | 17 comments

Background:
Iโ€™m an EU national IT specialist, recently decided to become a digital nomad. I just left my permanent job in Germany and opened a UK based LTD (for a better taxation) to start a new career as remote working IT contractor. I also want to become a UK resident and pay personal income tax there BUT I donโ€™t want to rent/buy a place because I have no interest in physically living in the UK, as a nomad I will be traveling abroad 100% of the time.

So I just need a UK address where Iโ€™m registered as a resident and could receive mail, but I would never actually be there. I could rent a place and keep it empty but that would be a total waste of money.

Question:
How do I find somebody who could give me an official residence at his/her address and keep my name on the door? Iโ€™m ok with paying a reasonable monthly fee for this โ€œserviceโ€ (but not as high as a rent), and give assurance in whatever form that I will never pretend to physically live there. I have no close friends in the UK to ask for this favor, and trying to propose this to a random landlord would be just weird since they are not familiar with the needs of a digital nomad.

Maybe you guys can suggest me somebody who understand the situation and want to make some extra cash every month to pay the bills? Iโ€™m ready to meet in person, provide full proof of identity or any other document, and to make a written agreement that gives the landlord the freedom to cancel this โ€œsituationโ€ at any time.

Note:
This is NOT for tax evasion, itโ€™s the opposite! I WANT to pay full tax as UK resident, I just donโ€™t want to waste money on a rent which I will literally never use.

I would be very grateful for any advice!

Pavel

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Anyone know an accountant for Canadian nomads/expats?


by @noam_lightstone | 9mo 8 months ago | 16 comments

Hey guys, this was my first year as a Canadian nomad.

As far as I know of, Canadians donโ€™t pay taxes if they do not live in the country for 6 months.

But Iโ€™d like to talk to an accountant or someone who does Canadian taxes specifically for expats and nomads to get clear on the rules and for help on my return coming up.

Does anyone know someone who specializes in Canada who can help? Iโ€™ve seen plenty of US recommendations but none for us canucks.

Thanks guys!

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App/tool/service for nomads to bring things from another country?


by @brmolin | 11mo 11 months ago | 4 comments

I vaguely remember hearing about such a service before, but Iโ€™m drawing a blank on the name. Basically I left my tablet on a connecting flight in Europe, right before my main flight to Thailand. They have my tablet and are willing to ship it out for me, but people have warned me thereโ€™s a big risk of it getting โ€œlost in the mailโ€ if I ship something expensive like that to Thailand.

Iโ€™m wondering if thereโ€™s a service or community, where I can find a nomad whoโ€™s in Europe/heading to Thailand soon, so I can have it shipped to them in Europe and pay them to ferry it down here for me? I met someone in Budapest a ways back who had built something for this type of use-case, but I canโ€™t remember the name of it. Any help would be appreciated!

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How to find Bangkok apartment rentals <$1,000/mo?


in Bangkok, Thailand by @vesko89 | 12mo 11 months ago | 1 comment

Hey all,

i am trying to find a monthly based condo in SUKHUMVIT in BKK becaue i am staying 1-3 Months in BKK. But somehow its nearly impossible to find a nice one. Except Air BnB 1000$+ โ€ฆ

How do you find your Condos in BKK?

Greetings Vesko

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Best way to find a basic room/flat in Prague?


in Prague, Czechia by @mappleton | 1yr 1 year ago | 16 comments

Have been stalking craigslist for weeks. Quite a few properties posted. But after sending 20 inquiries have 0 replies. Beginning to wonder if itโ€™s a city that requires on-the-ground apartment hunting. Can anyone whoโ€™s been through Prague before clue me in?

Will be there from April 10th until July. Need a basic, short-term, central room rental. Nothing fancy. Will be working from a co-working space. Under 9000 CZK seems reasonable from what Iโ€™ve seen.

P.S. If anyone else is Prague-bound this summer and room hunting, leave a note! Definitely up for sharing a place with other nomads. Or just hanging out / having co-working sessions.

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How to arrange prescription medication abroad (for example Thailand / SEA)


in Thailand by @dezeisvastnogvrij | 1yr 1 year ago | 1 comment

Normally, when I go abroad for a longer period of time, I try to take as much medication with me from my home country as I can for that period. Which so far has worked well for me.

But if Iโ€™m going to be a full-time nomad that wonโ€™t work anymore. Mainly because Iโ€™ll then unregister from my country. Which has some downsides like not being able to have my current health insurance anymore. Other health insurance companies wonโ€™t cover existing conditions, so Iโ€™ll have to buy my medication โ€œover the counterโ€.

But since I need some medication which in The Netherlands (and I assume other countries) is only available on a doctors prescription. I was curious how people here arrange that (if there are any in the same boat as me).

The main medication I think would be hardest for me (and most expensive) to get is Epoetin-Alpha (Aranesp) injections.

Since thereโ€™s not really a โ€˜world wide standarizedโ€™ doctor prescription form, how do you get the medication abroad? Do you have a checkup there again at a local clinic before you can get the medication? (That would probably add to the cost too).

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Gamer setup for travel?


by @azurio | 1yr 1 year ago | 6 comments

Hi guys! Who plays video games?

What system do you use? How does it work for you?

I work on a MacBook Pro, and of course Mac isnโ€™t great for gaming. Iโ€™m thinking of traveling with a (relatively) small eGPU to crank up the graphics. There might be decent PC laptops, but I want with macOS.

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What's the best bank account for a global nomad?

 

by @barrybjjoubert | 1yr 1 year ago | 25 comments

Dear all
As a wanna be nomad figuring out a way to get free of the rat race, I was wondering what is the best bank account to have while travelling the globe? I need an account where is easy for me to receive payments from all over the world and it also need to be a bank that I can find almost anywhere in the world. I want to avoid carry cash on me if itโ€™s possible.

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Recommendations for UK/Scotland accountants that understand remote businesses?


by @eduardoyi | 1yr 1 year ago | 1 comment

Looking for recommendations for reliable accountants who understand how remote businesses with off-shore freelancers and clients work. Thanks!

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What's the best CRM/system for managing remote work opportunities?


by @panoramica | 1yr 1 year ago | 3 comments

Iโ€™m currently doing some work through Upwork, but itโ€™s sporadic and Iโ€™m keen to get more active on other platforms like Freelancer, Toptal, CodeMentor, Fiverr etc

Currently Iโ€™m managing leads in a Google sheet. Basically itโ€™s just a list of projects I pitched for, how much I bid, what I did differently from the last pitch/bid, how much time went by before I got a offered a job etc.

Iโ€™m not actively following up anybody, and Iโ€™ve in fact โ€˜lostโ€™ a few jobs where the client was keen, but then disappeared without a trace. I guess I need to keep in touch with those people to ensure that they remain focussed on our agreementโ€ฆ

Iโ€™m also keen to take on more small projects concurrently, without dropping the ball on any of them.

Iโ€™ve done a quick Google and turned up a few names including Salesforce, Zoho, Nutshell, HighRise, Base, Nimble, etc etc. But testing out all these products isnโ€™t all that appealing, so I thought Iโ€™d ask here first :slight_smile:

Ideally Iโ€™d like something that integrates with remote job boards in some way.

Feature list

Iโ€™ve done some research and currently have this feature list:

Proposal building & tracking

  • Compile proposals from snippets - technologies, past projects
  • Quickly pull together a realistic/client friendly quote
  • Test and measure different approaches
  • Beat proposal deadlines while maintaining quality
  • Fine tune pitch material to bid more quickly and win more work โ€“ templates
  • Store history about past projects involving common needs and technological solutions
  • Learn which proposal content is working, and which is not

Lead generation and client management (CRM)

  • store info about regular clients
  • track remote projects which Iโ€™ve pitched for
  • Remote Job Board integration
  • search multiple job sites for keywords
  • track projects across multiple remote platforms โ€“ API integration / message alert/response

Project Management & Scheduling

  • Break projects down into granular tasks
  • Gantt chart to visualise overlapping jobs
  • Calendar to schedule daily work, deadlines, R&D
  • follow up, plan and schedule future work now, rather than once current work has dried up
  • offline reminders via a dedicated Android app
  • time tracking โ€“ to get an idea of true cost, to flag issues to client
  • BitBucket integration

Billing

  • Integration with Xero
  • tracking status of payments, actual payment date vs expected payment clearance date

Marketing

  • Get repeat business
  • Build Word Of Mouth
  • Proactive lead generation
  • Publish proposals as case studies

Cheers,
Dan

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Is there a US bank for easily creating new business checking accounts remotely?

 

by @tylertringas | 2yr 1 year ago | 23 comments

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 branchโ€™s region, etc. Has anybody seen a bank that letโ€™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?

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Is Bogota safe to travel?


in Bogota, Colombia by @jackgopack | 2yr 2 years ago | 6 comments

HI All!

Considering Bogota for a while but recent reporting indicates quite a few robbery related deaths and the fact that US State Dept personnel and their families are not allowed to use inter- or intra-city bus transportation, with flights mandatory between Colombian cities. Anyone have any insight as to the current reality vs such reporting?

I know they often donโ€™t match but since our nomadlist.com rates Bogota safety as โ€œbadโ€, I would greatly appreciate anyone providing a current or recent boots on the ground status report as to this effect.

Jack

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London meet-ups / events / places to meet nomads?


in London, United Kingdom by @jameswander | 2yr 2 years ago | 5 comments

Are there any regular meet-ups or other places to meet nomads in London?

This was the only nomad focused event I saw on meetup.com:
https://www.meetup.com/meetup-group-BNBrelBl/events/252398877/

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Iโ€™m a U.S. accountant who works with Americans who live abroad, ask me anything!

 

by @olwagner | 2yr 2 years ago | 100 comments

Hi everyone,

If you have a U.S. tax question or would like some U.S. tax insight on your business/structure, ask away!

I have been preparing tax returns for US citizens abroad since 2012. I can answer any question in US tax with an international flavor. I operate 1040abroad.com and I have maintained a blog at taxsamurai.com

I look forward to answering all your questions. And if you are in Ho Chi Minh City in December, letโ€™s meet !!!

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What tools do you use to plan your travel?


by @kaizenpreneur | 2yr 2 years ago | 6 comments

What tools do you use to map out your travel plans for the year ahead (if you even do) - I donโ€™t mean tools for finding cheap flights - but the actual schedule planning.

For example, for 2018 I have certain locations that I need to be in at certain times of the year. They are fairly set in stone with a little flexibility.

Iโ€™ve then got a hit list of destinations that Iโ€™d like to build into that plan through the year. Not all will happen, some Iโ€™d like to prioritise and add to the plan right away, with the others as maybes and will be more spur of the moment.

Iโ€™m keen to look at a calendar type view where I can play around with different schedules. Iโ€™d thought something like tripit but I think this works best when you have already booked but I want to create a few versions to see how they look before going out to book.

Maybe it is colour coded or overlays

  • Booked
  • Planned
  • Maybe

Thanks
Jon

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Which coworking spaces are open 24/7?


by @yako | 3yr 2 years ago | 13 comments

Does anyone know of any coworking space open 24hs somewhere around the world? Sometimes because of my line of work I need to be awake when everyone is sleeping on the country I am in (but I know I am not the only one!). It would be amazing to share that time at a coworking space with others who like to work at night or who have to be awake. Does anyone know of any coworking space open 24hs somewhere in the world?

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Where is the best place to open a bank account in Europe?


by @julien | 3yr 2 years ago | 7 comments

Hello the community,

I am thinking about opening a business bank account in another country outside of France.
I live in Paris and I work as a freelancer. The taxes on my salary are very expensive (around 85%). I would like to know if there are better options for bank accounts within Europe.

Thank you in advance for your help.

Regards,

J

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