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Is the strong US$ affecting you?


by @freedomsurfer | 5yr  | 9 comments

Today the EURUSD rate is around 1.05, a multi-year high. While it was predictable that the Euro would collapse (it was always way overpriced), the speed of itโ€™s collapse is surprising. Itโ€™s the same thing with the Australian $, the Canadian $, the British pound, the Yen and many other currencies.

Are you affected by those forex moves? Will they influence your future plans? Maybe a change in destination?

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@skyler | 5yr

Thanks for the advice @freedomsurfer.

Like @dfcowell, itโ€™s kicking my ass. I moved to France 2 years ago and needed to use USD savings at several points, losing 30% due to the Euroโ€™s strength against the dollar. Iโ€™ve recently started making much more in Euro and was sending it back to the US to offset the damage, but the near-parity has me shooting myself in the foot again.

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@skatkov | 5yr

Nothing compares to fall of ruble, they lost 50% in a year.

I expected Euro to go down a year early, so I blew all my Euro savings long time ago (invested). I have small loans back home now and most of my customers pay me in USD. For customers who pay me in euro itโ€™s a good reason to raise my pricesโ€ฆ

So far, as European I have only plusses out of this situation. (But I was expecting it)

The question now, how to save your money? Which currency to use? Will USD fall too?

Iโ€™m considering buying ruble, I believe after couple of years it will be back on track. But I hardly believe Euro will find itโ€™s way back any time soon.

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@kroger | 5yr

This is a good question. Does it make sense to have (separate) savings in USD, EUR, and ยฃ?

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@freedomsurfer | 5yr

Diversification is key. You need to develop a risk-management strategy that fits your lifestyle and goals.

My main portfolio is a mix of: HKD, CNY, SGD, USD and NZD. Every time I receive a dividend I divide it into my currency basket using a fixed percentage figure for each currency.

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@zahradnik | 5yr

Can you expound on this a bit further? VERY interested to hear more.

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@levelsio | 5yr

Any reason you have no GBP, EUR?

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@ericvan | 5yr

I started a company in the IT center of the Philippines just to have a โ€œglobalโ€ life in 2005 when be a Nomad was not so easy.

Donโ€™t even THINK about what a currency might do unless you are a financial trader! Do you think you can hedge bets on housing prices abroad? How about stock picking? NO, that is not your expertise. So as has been said here, diversify and keep savings in something more safe than one countries currency if that currency fluctuates a lot (this happens to developing country currencies more).

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@sarab | 5yr

I bill in USD, EUR and GBP so Iโ€™m always up and down. Usually I will check rates before wiring myself a lump sum abroad to see which currency it is best to buy in for where I am. Azimo in this respect has been great.

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@dfcowell | 5yr

It was kicking my ass. Iโ€™m an Aussie, so for convenience I was billing all of my work in AUD, but Iโ€™m living in Vietnam, so for all intents and purposes Iโ€™m spending in USD.

That meant I was losing about 40% of my income to exchange rate differences.

Iโ€™ve started billing exclusively in USD - not that it matters that much now, since I only have one major client at the moment who Iโ€™m all but employed by. Either way, my bank account back home is looking much healthier, now.

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Read and participate in 13,931 discussions on Nomad List

Suggested topics

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Best place in South East Asia to live for 6+ months per year

 

in Indonesia by @miklaskroager | 14h 13 hours ago | 1 comment

We're looking for a country in South East Asia that can function as our base, mainly for tax purposes. Meaning it will have to be a place where we can stay for the 183 days required without too much hassle.

We've been looking at Thailand, but have heard that it's very hard to do visa runs etc., so what other can you recommend? Indonesia looked like a good option, but the income rate is a flat 20% and very high for the region.

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When will the Coronavirus travel restrictions from U.S. to Colombia be lifted?

 

in Colombia by @markm | 2d 1 day ago | 1 comment

I've heard travel to CO from USA is blocked until September. Any news on this and may this change anytime soon?

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How to get SMS verifications for banks while traveling?

 

by @jackgopack | 4d 3 days ago | 39 comments

Any suggestions for seamlessly receiving SMS Verifications from US financial institutions and other sites while traveling internationally continuously? Wonโ€™t keep my US Verizon account due to cost and currently plan to use local sims at each destination (T-Mobile and Project Fi are NOT an option as they terminate for continuous roaming). In summation, I wonโ€™t have a US mobile account.

Unless Iโ€™m missing something, which is very possible, this appears to be the single most complex issue Iโ€™ve encountered in my preparations, and one that no one addresses. I would greatly appreciate any possible solution that works 100% of the time. Canโ€™t afford surprises in this regard. Many Thanks! Jack.

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Introduce yourself โ€” who are you, where are you and what do you do?

 

by @coffeeshopceo | 4d 4 days ago | 670 comments

tl;dr: introduce yourself in this thread.

We must all get sick of the same backpacker travel questions when we meet new friends, I know I do.

You know the ones - where are you from, whereโ€™ve you been, where are you going, what do you do, how long have you been doing it - etc.

The novelty of answering these questions wears off after maybe a week, but theyโ€™re nonetheless insightful and no matter how much we hate them, we find ourselves asking others.

So letโ€™s bring the dreaded backpacker questionnaire to NomadForum and introduce ourselves shall we?

**

  • whatโ€™s your name?
  • where are you from?
  • how long have you been away from home?
  • what do you do?
  • where are you currently?
  • where are you going?
  • what has been memorable for you so far?
  • will you go home anytime soon?
  • what have you learnt during your time as a nomad?
  • [insert your own question here]

**

No need to answer them all if you donโ€™t want to :smile:
But the more you shareโ€ฆ The merrier!

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Anyone wants to learn to sail in the Mediterranean? (Sep or Oct)


by @viktor | 8d 7 days ago | 1 comment

I'm thinking about taking a sailing (yachting) course in the Mediterranean Sea this coming September or October. Thus far from my research, it seems that most courses are held in locations with not many digital nomads. My thinking is that it would be more fun to go to a place with like-minded people. Therefore, I'm wondering if anyone else is interested in taking a sailing course in the Mediterranean this fall? If not, do you know a location that offers good sailing courses, where there is also many digital nomads / nomad infrastructure?

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Where do you work from in Lisbon? ๐Ÿงณโ˜•


in Lisbon, Portugal by @dominiksobe | 11d 10 days ago | 1 comment

Hi everyone,

I am going to move to Lisbon in July and I was wondering where you guys work from? Do you have any recommendations for working on a budget? Any good cafรจs or cheap coworking spaces?

I did some research and found some coworking spaces for > ~ 100โ‚ฌ p. month which is pretty reasonable but too much for me right now.

Thanks!

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Do you always have your passport with you?

 

by @stepunk | 2yr 2 years ago | 31 comments

While traveling, do you always have your passport with you? Or you leave it in your room/hotel/house and go around with just a copy of the main page?

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How to move your furniture in Europe so that it arrives after you?


by @liberalogica | 4yr 3 years ago | 2 comments

Hello, i have been moving around with just a couple of suitcases and that was easy, just find a nice coworking space and pay a lot for a room on AirBnB and you can visit a lot of places.

My problem now is that i have been living in a flat for a few years, and i cumulated an amount of stuff i donโ€™t necessarily want to get rid of. In other words, this time i want to move my whole base elsewhere, but i am quite confused about how to do that.

I want to move from Germany to Italy, and i guess that i can find a more or less expensive service to move my stuff safely to destination, the problem is that i would like the furniture to arrive after me, and possibly to a destination i donโ€™t know yet.

So, ideally i would load all my stuff on a truck and call back one month later with the address of the house i found in the meantime, but i am not sure that a service like this even exists. If it doesnโ€™t, i will have to go back and forth from my target location, and i will need to carefully plan my moves in order to be in the old place while loading the furniture, and already in the new place when it will arrive.

This sounds unneededly complex. Am i missing anything? How do people relocate?

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Do you think there are different "tiers" of nomads? What kind of nomad are you?

 

by @marcob | 5yr 4 years ago | 26 comments

I feel I have come across different types or tiers of nomads, eg: you have your backpacker nomad and then maybe a more successful nomad that is travelling without worrying so much about budget, the two seem to resonate more within their own groups. What different tiers do you think exist, if any? How do you differentiate the different groups, and do they play well together?

Iโ€™m curious to hear your opinions, and please describe what kind of โ€œnomadโ€ you are when responding. Thanks.

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Coworking Camp is coming to Tunisia in November. Are you?


in Tunis, Tunisia by @matthiasezeitler | 5yr 5 years ago | 3 comments

Quite happy to announce that the next Coworking Camp will be in Tunisia from November 2nd till December 13th.

If you havenโ€™t heard or read about Coworking Camp before, itโ€™s a temporary coworking space in a beach resort to escape the European winter. Lotโ€™s of information including some videos from last year and links to various newspaper and blog articles is on our homepage at http://coworking.camp

The final hotel has not been decided yet, but I wanted to make sure everyone is aware early enough (as last year a lot of people told me they learned about it too late to join), plus we have a 35% super early bird discount on the tickets for the next few weeks. (code โ€œiaminโ€). There are also some volunteer spots left for free tickets in case you want to help organizing the event.

The general idea is to bring a group of about 60 like minded startup founders, digital nomads and freelancers together in a productive environment to make new connections, share experiences and have fun in the winter sun.

I am currently in Tunisia (only for a few more days), but will be in Chiang Mai soon, so please message me if you want to meet in person to learn more about Coworking Camp. Or just have a coffee.

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