How a Programmer Gets By On $16K/Yr: He Moves to Malaysia
An anonymous reader writes "If you can make $10 and hour doing remote work, you can afford to live in Malysia. Make it $15 or $20, you can work 30 hours a week. Real money? Make it ten. This article talks about how John Hunter did it." Malaysia's not the only destination for self-motivated ex-pat programmers, of course. If you've considered doing this kind of sabbatical, or actually have, please explain in the comments the from-where-to-where details and reasons.
Who the hell works more than 30 hours per week anyway?
Fail
I don't see a link for an article.
No link in the summary, no link after the fold. Really?
come on timothy!
Has /. evolved to a point where there is no A to RTF?
How did it get to the front page without the link?
Think you forgot something.
This is a joke of an article... of everything out there this is what Slashdot has become? Talk about a nose dive over the last couple years...
Next time we might even get an article with a link. Finally an excuse not to RTFA!
Move to country with cheap expenses while retaining job with good pay. Sounds simple, I'm sure everyone has done it, after all there can't be any complications?
Where's the hyperlink?
"This article talks about how John Hunter did it" - What article?
I hate SlashDot. I can never work out where the link to the original article is.
I wish I could RTFA. Link missing?
...and getting over $100K a year.
But if $16K floats your boat... by all means take the job.
I am very small, utmostly microscopic.
Here: http://itknowledgeexchange.techtarget.com/unchartered-waters/interview-with-a-digital-migrant-meet-john-hunter/
I mean once you go down to earning a livable wage in say Malaysia. Can you move out to a country that costs more to live? You wouldn't save enough to make the move and your clients would probably be miffed at the increased charge rates you pull to do it.
So if I get paid $10/hour I could afford to live in Malaysia? If I start making $15 or $20 I can work 30 hours?? Wow, that's better than the 37.5 hours I work ... oh wait, real money?? Yeah REAL MONEY??? Make it ten.
What kind of shit did the story submitter smoke? Timothy must be suffering a hard post-St.Paddy's day hangover to have approved this submission ...
http://itknowledgeexchange.techtarget.com/unchartered-waters/interview-with-a-digital-migrant-meet-john-hunter/ -- David
Graduated with my Masters in EE/CS at 23. Got a job that allowed for remote working. Saved up the required $50K to apply for a permanent resident visa as a foreign investor. Opened a shop and hired some local Brasilians to do contract programming work for US firms. Learned Portuguese and became a Brasilian citizen. Quit my job and renounced my US citizenship once I was making enough on my Brasil business. Ignored letter from IRS demanding "exit" tax.
Now do contract work for US firm at US labor rates via sales office in the US, and the money comes to Brasil where it goes farther, and I live on a beach in a Pousada. I don't even speak English well anymore. I'm not even 40 and I could quit work today but the money is too good.
Dear idiot who went to Malaysia so you could live well working for for peanuts: You are fucking everyone else you left behind, by lowering their wages a bit, and if you come back you will find a much worse country.
I assume you are working from Malaysia with US clients, of course, not Malaysian clients who wouldn't pay for $10/hour if that what it takes to live a king there.
You are doing it backwards.
Link removed.
Top form, timothy.
Do you see what I did there?
The major caveat to working in Malaysia of course, is that you are in Malaysia.
Any country where insulting the leader is illegal should be absolutely off the list for any freedom loving individual.
Give me Classic Slashdot or give me death!
Not quite the same thing although I now work in Boston with customers who are dependent on me in New Jersey. Via my extra hand I don't even have to be where my customers are. Now I just have to focus on the details my less enabled employee can't. I could move anywhere!
I have been doing this for about three years now in the United States. Basically, bought property ($6000), built small dome to live in ($3000), went half time at work (4 hours a day doing low stress programming). I make about $17,000 a year and live pretty comfortably on that. The key is having no debts, eliminating as many recurring payments as possible (I pay about $300/mo for all utilities and phone), drive as little as possible and don't eat out much.
I even wrote a blog about it. http://www.minimalintentions.com/search/label/Geodesic%20Dome
My plan was that when I had all this free time I could work on my own projects (of which I have many). Unfortunately turns out that I am pretty lazy so instead I sit in a hammock and read books more... ah well... I still plan to get motivated at some point... eventually.
If your goal is just to live cheaply, and you don't have kids, there are plenty of places in the U.S. where you can live ok on $16k/yr. I did it as a grad student. Not in the SF Bay Area, though.
10 PRINT CHR$(205.5+RND(1)); : GOTO 10
I know a place where you get a free place to stay and a meal every day. Won't cost you a cent to go there either.
If you have to work for someone else to pay for your basic expenses you aren't really free, are you?
Is it just my observation, or are there way too many stupid people in the world?
I manage a team of programmers and data analysts from my vacation home I purchased a few years back. I make six figures and can easily afford the two mortgages I have, both of which are quickly falling because my vacation home is in an area that has a far lower cost of living than my home in the city.
My vacation home is very small, less than 500 sq ft, but comfortably fits my family of four by using small living comforts such as murphy beds. We have everything we need and my family is right next to me enjoying the waterfront property and pool.
I see my employees in person a few times a month when I travel back home to the city and everyone is happy. By having this arrangement we save money, enjoy our vacation home nearly year round, and upper management still sees me on a regular enough basis that I am not out-of-site, out-of-mind.
This was my dream and I am thrilled to do it. While I will never stomp on this guy's dream to live overseas, Malaysia is not the place for me and I prefer to live here in the States. YMMV.
For anyone thinking about it, go for it; it's so worth it.
I have been doing this for about three years now in the United States. Basically, bought property ($6000), built small dome to live in ($3000), went half time at work (4 hours a day doing low stress programming). I make about $17,000 a year and live pretty comfortably on that. The key is having no debts, eliminating as many recurring payments as possible (I pay about $300/mo for all utilities and phone), drive as little as possible and don't eat out much.
I even wrote a blog about it. http://www.minimalintentions.com/search/label/Geodesic%20Dome
My plan was that when I had all this free time I could work on my own projects (of which I have many). Unfortunately turns out that I am pretty lazy so instead I sit in a hammock and read books more... ah well... I still plan to get motivated at some point... eventually.
(repost since I was logged out the first time)
I often dream about living in southeast Asia, can you tell me something additional what does it take to relocate there and get an IT job?
I've been doing this in China for the last 7 years. The good thing here is that live is very scalable. If income is low you relocate to the countryside where you get by quite decently on $100/month and 4M Internet. If income rises you move towards bigger cities where you can spend over $10.000/month and have FTTH if you must.
And by scalability I don't just mean the living expenses. Also moving from place to place is dead easy. I arrive in a place and spend a day if not just a few hours on finding and renting a flat. I'll move in that same night or the next day and have my stuff arrive by truck a few days later.
If you're a remotely political person or care mildly about human rights, China may not be for you. For the average person however who just wants to work the least amount possible and yet have her/his dinner cooked, house cleaned and pussy licked/dick sucked as if she/he were queen/king, it's an awesome place.
So it's ITFA.
Just get the hell out of high-cost areas like Silicon Valley.
I moved from San Francisco to small-town Ohio four years ago. I'm a freelance writer and have never met most of my clients face-to-face, so my income didn't change at all.
But now I'm out of debt and living in a huge house I bought for $50,000 and enjoy very much. The money that used to go into such things as $6 drinks and $130 residential parking stickers now goes into travel, entertainment, and investment.
I can't walk to eight sushi restaurants anymore. But I've found my lifestyle's improved quite a bit without having to leave my home country. And if I want to be around that many sushi restaurants, I can fly back to San Francisco whenever I want.
Unless you really want to, why leave the country? The U.S. can be very cheap -- you just have to get away from the coasts.
Tom Geller
I do not see how you can unless this was 20 years ago.
Car insurance $200 a month. Uncle Sam's rent money = 25% of pay = $4000 or $360 a month, Food = $350 a month or = the other 25%. Now rent you are looking at $700 a month. I live in cheap ass Florida and you can not find a good apartment for anything less.
You would need $25,0000 to just break even.
http://saveie6.com/
As you say, the politics there are .... interesting. There seem to be a lot of laws giving Muslims preference over Christians (which might make it unsafe for me to talk about my religious values, though it beats Saudi Arabia.) They've got the anti-drug fanaticism like their neighbors in Singapore (though probably not as bad as Dubai.) They periodically talk about censoring the whole Internet, with the excuse that it's about pornography but the reality that it's about criticisms of their politicians.
The Malaysian food I've had here in California has been great. They like their hot peppers and other spices. I don't care for hot humid weather (I had cousins who lived in Singapore and thought it was worse than US midwestern summers.)
Bill Stewart
New Fast-Compression-only CPR http://preview.tinyurl.com/dy575ks
If your income depends on wage competition then you're on a spiral to financial ruin. Under those conditions, people can't raise income in the profession by asking for more, they would merely price themselves out of the market.
This is what Americans have asked for and they seem to value it very highly, greed-based cheap labor capitalism, no professional accreditation to raise salaries because that smacks of unions, and may the cogs in the machine be screwed. Hope you like it.
You have expensive taste. For my car, insurance is like $215 for six months, and I could cut it down more if I reduced the coverage levels Also, if you're making $25k, taxes are a lot less than 25%.
Also, if you cook for yourself, you can get with good food for $150 a month. Of course, dependent on how well you cook.
"First they came for the slanderers and i said nothing."
About 7 years ago, I moved from California to Argentina for work. I had a degree in CS and had worked professionally as a Java dev for three years. I couldn't get any work in the US so I decided to brush up on my spanish and see if I could find a job down there.
:). Since that wasn't the goal, I went with Sony. Lots of the labor in these places is not actually employed by the large corporation, but by a "placement" service. This company paid me $600/month for full-time employment. I had been making around 70k in the US, but in argentina the 10x paycut was manageable. Indeed, I was making 1/2 of some of my coworkers - because I wasn't legally employed, the placement company paid me less, but paid me in cash.
After arriving in Argentina, I translated my resume and started looking for work by finding the equivalent of Monster.com (bumeran.com). It took about 3 weeks, but I got interviews at both Sony and IBM. IBM wanted to send me to Canada for consulting because I spoke english
The experience was fantastic. There, 9-5 actually meant 9-5 - very limited flexibility in terms of hours and what I could work on, but it was okay, I was doing it more for the concept. The engineers were all excellent and my American education didn't either disadvantage or help -- we all were pretty up on the lastest java techniques.
After about 4 months, I decided that this glimpse into the future was sufficient so I returned to the US to do a PhD.
A co-worker/long time friend (longer than we have worked together) recently became a full time remote employee as he moved his family back to where he and his wife are from to be near their extended family for child care (day care is very expensive, they figured she was working basically just to pay for day care)
I told him...if they are going to let you go full time remote.... fuck the south, move to India! Take your big American professional, solid middle to upper middle class salary, and up and move to India. They could live like kings and come back with a retirement. Shit, I know a guy who lived there for 6 months without cooking for himself, on less per week than I got from unemployment when I was between jobs.
"I opened my eyes, and everything went dark again"
I worked for a year in Malaysia in the late 1990s. Note to savvy Slashdot expats: Make sure to clarify that the agreed upon salary is in U.S. dollars rather than in Malaysian dollars (i.e. ringgits) before getting on a plane. Doh! I still stayed for a year and don't regret it.
I'm making much more than 16K a year, but I don't spend anywhere near what I make.
I'm not sure what kind of car you have that requires $200 per month. Maybe you mean per year? And if needed I could ditch my car. I really only use it for shopping on the weekends, and I could just take a bus instead. Food for me runs around $140 per month. Rent is $365 per month (screw good apartments, they are too expensive). Internet is $50 (yea I can't really get a better price in the town I'm in), cell phone is $35 a month. All in all, I spend less than $1000 per month (except on Christmas).
If you can make $15/hr remotely, I'd suggest Montenegro. Find a place near the sea, you got it made. You might have to work at getting a really great broadband deal, but there are some to be had.
If you're single, the women there are beautiful and have sexy accents, you've got the sea and off-season the tourists go away and you can really enjoy the good life.
You're a short hop from shopping in Italy, skiing in the Alps and you're still not in the EU (yet). Learn to play tuba in a Balkan horn band. Drink lots of coffee and slivovitza. Go out in your backyard and pick fresh figs for breakfast.
Even if swimming in crystal-blue seas is not your idea of fun, you can set yourself down in a sidewalk cafe and watch one Mila Jovovic after another walk by. And there's none of the snobbiness of Western Europe.
You are welcome on my lawn.
I currently live in a decent-sized US city and make do on about $12,000/year.
Car insurance is $500 per 6 months with comprehensive and 100/300k coverage. Food is barely over $100/month for two because we cook. Rent is under $500 for a two-bedroom apartment.
These are all living costs you must pay each month where you live. Some places fold in a lot of the insurance and ultilities into the HOA fee, while others pay separately.
And I include recurring information/communication/entertment fees as utilities, e.g. landline, cable, smartphone, internet, newspaper, netflix, gaming subscriptions, etc. For some people this is their second highest monthly costs.
Malaysia sucks. Seriously, detention without trial? Death penalty for drugs? State religion? High risk of infectious disease? Monarchy? Sex-trafficking?
NO. THANKS.
I live decently on $17,736 in San Diego, California. I lucked out and my house only has a mortgage of $560 and live in a good neighborhood that's close to Qualcomm Stadium. How in the hell do you pay $200 a month for car insurance? Do you frequently get in accidents?
I think you're doing it wrong. I insure three cars and spend less than $100 per month - if needed I could drop back to a single motorbike for $100 per *year*. Could eat quite well for $200 or so per month (cooking is fun). It would be trivial to find a room to rent for $400. Maybe toss in an extra $100 slop fund for recurring expenses.
'Course, my budget looks absolutely nothing like that now, but it was a good deal slimmer than that through college.
+1 Disagree
Some of those definitely seem high to me.
Car insurance: I've never paid $2400/yr for car insurance! Even when I was early-20s and had higher rates, I paid more like $1000/yr. Now I pay less.
Taxes: I don't see how you could possibly pay an effective 25% if you make $16k/yr. Something closer to 5-10% is a lot more likely. The biggest is payroll taxes of 7.6% off the top. But then after that, you take a standard deduction ($6100 for single) and the personal exemption ($3900), so your first $10,000 of income is tax free. The remaining $6000 is taxed at the lowest federal rate, 10%. So that's another $600. Overall you pay 7.6% x $16,000 + $600 = $1800, i.e. an effective 11.25%. Maybe add something for state, depending on your state (I lived in Texas, so add $0).
Food: Dear god, $350/month? What are you buying? I spend about $200-$250/month now, and I have a middle-class salary, making no effort to be frugal. I spent more like $100/mo when I was a grad student. Are you eating steak daily or something?
Rent: Really depends on where you live. In Texas there is no need to pay $700 rents. Nor in Pittsburgh.
10 PRINT CHR$(205.5+RND(1)); : GOTO 10
$6k a year is doable. $16k a year would be quite pleasant. I would avoid the capital or other large cities. Actually getting a work permit or visa to either country is difficult to impossible, but I know people in both countries who have been there for decades on a tourist visa. Do note, this tends to limit your options for local employment; it's far better to work online.
There's essentially no native culture (or cuisine) in either place, "post-colonial" about sums it up. The police are nice enough but underpaid, the laws are enforced relatively arbitrarily and generally not in favor of extranjeros. If you're running a business, [a] congratulations for getting through the bureaucracy to accomplish this, and [b] you may from time to time expect to have laws about licenses and restrictions enforced against you that your (Tico) competition does not. I'm not sure whether I can really say that corruption was common, but it's probably fair to say that people were understanding about dealing with the laws and regulations -- or avoiding that, if necessary. I don't really consider this a bad thing, but if you have the expectation that the rule of law is going to be universally or rigidly applied, you may be disappointed.
The weather is beautiful, it's not terribly expensive to get to and from either country (at least, from the US), English is spoken by a good percentage of the population, utilities are cheap and reliable, health care is extremely affordable (medical tourism is common), internet is not that fast but widely available, and of course, knowledgeable tech workers are in high demand. In Costa Rica the beer is not good and relatively expensive, in Panama you can get two beers for $1. Computers are available, but expensive. It's probably going to be a good idea to buy in the US and work out a way to get it. I've heard both good and bad things about the mail system; I'd call it generally reliable, but the paranoid might want to find other means of receiving packages. If you end up going back and forth to the states a lot, you can make good money on the side bringing electronics back with you.
Panama is by far the cheaper of the two countries, you would probably be able to get by on less than $6k annually. I didn't like it quite as much because, at least in the places I frequented, cocaine was both common and extremely cheap there. That's fine for those who like that sort of thing, but generally I don't think it does much good for the community. Drug laws in both countries are sparingly enforced.
Roads are generally better in Panama; the country has a lot more money due to that whole canal thing. I can't recommend driving in Panama City, or anywhere in Costa Rica. Cars are absurdly expensive, and paradoxically people don't care about the lines on the road, the blinky things above them, the relative speed and velocity of other vehicles, or pedestrians.
Fun Facts: there are no addresses in Costa Rica. There are no roads connecting Central America with South America.
Those who advocate genocide deserve every protection afforded by law, and none afforded by common human decency.
Well one the housing boom inflated home values rents went up 200% and they never went down!
I used to live in Alaska too and the rent was $750 a month for a bedroom in a basement was the norm. It seems everywhere it is that high. Maybe if you owned a home bought in 2000 you have not seen the cost inflation. Today it costs $900 a month for a 1 bedroom apartment in most cities even if a house is cheaper. Why? Because the landlords bought in during hte housing boom and have mortgages to pay. With people being foreclosed upon there is a line and people lining up to pay that much for a shitty place!
Maybe in rural Alabama but in the real world everywhere it costs higher and higher each year as the landlords try to make a quick buck knowing you do not have the 25% down for a home for half the price.
http://saveie6.com/
I do not see how you can unless this was 20 years ago.
Car insurance $200 a month. Uncle Sam's rent money = 25% of pay = $4000 or $360 a month, Food = $350 a month or = the other 25%. Now rent you are looking at $700 a month. I live in cheap ass Florida and you can not find a good apartment for anything less.
You would need $25,0000 to just break even.
I get car insurance in Colorado for $50 a month. Well, it is an old car, but only 8 years old.
Learn to cook = food $200 a month. (This is just for one person, right?)
I don't think it takes the CAPTCHA ("miracle") to survive on less.
U don't NEED a car. Get a scooter. But still, car insurance shouldn't cost more than $50/month.
U can rent a room in a house/apt for $300-400/month in most places in the US.
U can pay $200/month for food.
U pay pretty much no taxes at $16k/yr
My God can beat up your God. Just kidding...don't take offense. I know there's no God.
China has very dirty air and a not so safe rail system.
You've got the taxes wrong. $16k/year is in the 15% tax bracket (the first $8925 is only taxed at 10%). Add in the standard deduction of $5950 and you're paying taxes on just $10k (that's not counting any other possible deductions). The tax tables say you'd owe $1039 to the IRS. That's a quarter of what you estimated.
I'll also back many of the other replies that your insurance estimate is also high. I can get car insurance for less than half your $200 a month. That's as a single guy, not too favorable a demographic for insurance.
1) It's not clear from the article if he actually makes 16000 a year or if he just lives on it and puts away the rest, but I really hope he makes enough to save. And a low salary may be enough to live in Malaysia without letting him save well for the future.
2) Living in Malaysia means you are living far away from relatives.
3) Living in Malaysia also means your kids get Malaysian educations (he mentions a 3 bedroom apartment so he might have kids), your town is policed by Malaysian police, and that if you get sick you get Malaysian medical treatment, etc. And even ignoring the question of it not being a democracy, what kind of legal treatment does a non-citizen get the next time he forgets to bribe a government official?
4) I doubt he speaks Malaysian. Yes, English is a second language, but not speaking the primary one puts him at a distinctive disadvantage.
5) What kind of a social life does he have when all the people around him are from a different culture except a few expatriates? And related to that, what does he know about Malaysian customs? Yeah, they like white foreigners, but "liking" someone for such reasons is a lot different from being comfortable with them.
6) Any company willing to let him work remotely from Malaysia is probably willing to hire a native Malaysian, so his job's days may be numbered.
7) If he does lose his job, how's he going to find another one? Go remotely search for another company willing to hire someone living in Malaysia at American prices, and fly to America for the job interview?
8) What does he think of the food? Is there anything on TV he wants to watch? (That sounds insignificant, but moving to a place where there is for all practical purposes no TV would be a downside for lots of people.)
9) What's he going to do if the government changes in a hostile way? They could nationalize his bank account. They could elect Islamic fundamentalists. They could just start a program of blaming the country's ills on foreigners.
I was staying at a hostel in Istanbul and there were two Americans there, in their early 20s, both programmers. One worked for Groupon and the other was a freelance developer. Both worked online and traveled year round. They loved it.
You don't have to go that far. Just move to a third-world state like Vermont where the cost of living is a tiny fraction of what it is in the cities. No, I'm not talking about the ritzy places like Burlington, Norwich, Montpelier and Woodstock. I'm talking the real Vermont, the other 99.9%.
Wait, forget I ever said that. I don't want everyone moving here! :)
Restaurant biz? You bet. Long hours shitty pay. You sir, need to become a Capitalist. Buy some property and become an Owner (tm). Start your day at 11 am (ish) and end it by 3 pm.
Seriously. CNN had an article on "Entrepreneurs". There where 4 or 5 folks running restaurants and killing themselves. The rest of them got a cash infusion from family / friends / contacts and most of their "work" was chatting people up on the phone while their kids played soccer. Must be nice.
Hi! I make Firefox Plug-ins. Check 'em out @ https://addons.mozilla.org/en-US/firefox/addon/youtube-mp3-podcaster/
Western Panama has the upland climate of Costa Rica with the better roads.. David is the provincial capital but the cooler highland cilmates of Boquete, Volcan, Cerro Punta, Bambito, etc are much nicer if the humidity bothers you. You end up with highs in the 70s, lows in the 50s pretty much year-round. Even up there you aren't that far from the beach. The main problem is that it has been pretty much discovered by expats so the prices have gone up considerably.
Among the big advantages in Panama for US - the country basically uses US dollars for its currency, no exchanging needed. They do mint their own coins in the same sizes and denominations (they will even work in the same vending machines), you almost forget to swap out your coins when you get back. The bills are US bills. This dates back to the canal construction.
However, the vast majority of the business and work to be done there is in the capital, which is at sea level and much hotter and more humid. You also have access to better medical care there than in the "interior" (which is what they call anywhere that isn't in the middle of the country since odds are that is where you arrive). Most of the work in the highland regions is agricultural or tourism-based.
as far as your note about no roads, the Darien Gap (Panama's eastern province and the adjacent area of Columbia) you do not want to go there. That gap is the largest tract of jungle they have left, and anywhere a road is built the jungle disappears within a certain distance as people move in to those lands. The areas that remain (out past Yaviza or so) are dangerous, FARC sometimes operates there, and people have been kidnapped attempting to traverse it.
"Waste not one watt!" - CZ
If you moved to Boston, you kinda missed the "move to someplace cheap to live" part.
Studio apartments go for a lot less than $700 in a lot of places. I think my brother pays $400 in ND for something that would go for $2k in NYC.
The government exploits the fact that a lot of Malaysians are jealous of the Chinese for being successful (which happens because they worked hard at building businesses and such) , so they put up huge campaigns of national identity and such to encourage hatred of the Chinese. However, they government doesn't really do anything about it (they can't - said Chinese businesses pay a good amount of tax and employ a lot of Malays)
On the contrary, they can and they do. Following the May 13th pogroms, the government instituted the Bumiputera policy. As a pro-"Sons of the Soil" policy, it is also instutionalizes defacto anti-Chinese, anti-Indian policies into law.
go move to malaysia. me? i'm staying right here.
Please remember, in places like Thailand (and similarly Malaysia), this is against the law unless a work permit (Yes, even if the "work" is based overseas) is granted to which is near impossible if the same work can be done by a Thai. Flaunting this MAY result in you being kicked out not after paying an hefty fine.
Yes, the laws are stupid but they're only trying to protect people like you taking jobs away from people like them!
Missing option: People who love their startup. I would put more hours into it if I could. I do what I love, and It's building my future, why the hell not?
WTF am I doing replying to an AC at 5 A.M on a Friday night?
This article is on retiring abroad, but it contains some material relevant to the remote-work-overseas scheme: http://en.wikivoyage.org/wiki/Retiring_abroad
In the rural South you can live quite comfortably on under $10k/year. Buy a large freezer, learn to hunt (there's plenty of public land you can use), plant a garden - your grocery bills can be almost nil. Get a cheap used trailer, put a little money in insulation to cut the electricity bill and buy yourself an in-ground storm shelter (absolutely mandatory if you plan to live in a trailer). For a few thousand in up-front costs you can really cut waaaaaaay back. Broadband access can be a problem but 4G is available in a lot of surprisingly remote areas and wireless could be a valid choice if you don't transfer a lot of data.
BTW, totally aside and wishing someone had told me this when I was poor: shop garage sales in nice neighborhoods, especially for clothes. You'll get very high quality stuff for almost nothing. Go to high-end clothing stores and ask them for the contact info for the salesmen that call on them - those guys all sell off their samples at ridiculously low prices, and if you happen to wear a 34-36 waist and a 42-44 chest you're set. If the local Junior League runs a thrift shop, you have hit the gold mine - you can get designer clothing at rock-bottom pricing. Some of it will never have been worn.
Shoop Da Whoop: Imma Chargin' MALAYSIA!
I've been in Thailand (& Laos) for twenty years. Now most of my work is done through the Internet, even for local companies. Living costs are low. A Company puts money into my bank, the ATM card takes it out. Work at home means long hours with lots of breaks. Rural Thailand is wonderful. I jumped ship from California in 1990 and have never regretted it. But I live a Thai lifestyle, not an American lifestyle. More information at http://dl.dropbox.com/u/72291163/index.html . Cold water baths, no air conditioning, travel by bicycle or motorcycle or bus. No (English) computer books to speak of; all technical information through the Internet. I still read the news, but don't much care what that idiot government in Washington does. Eighteen years ago I decided I'd rather die in Thailand than live in the United States. I have had seven children; my children have had five mothers. Every time I say this some lady in the crowd raises her hand and shouts "NUMBER SIX! NUMBER SIX". Two kids are in America; the other five were all born in The Land Of Smiles. Sometimes I have a little bit of money, so I can eat. Sometimes I have a lot of money; some Thai lady comes along, and goes away, and I have a little bit of money left, so I can eat. No problem, no worry, no stress.
In the 90's I made good money programming for $9 per hour while living in a culvert.
I just had to make sure I 'Looked' like I had showered (or something), for meetings.
Now, I'm middle aged and have a much larger culvert with some boards to keep
my stuff off the water when it floods.
Good times.....
This is around the minimal legal wage in France. Many people live with that. It is not easy not comfortable, but is quite common.
"Alcohol is not cheap, that isn’t an issue for me but may add hundreds of dollars a month to expenses for some people." - John Hunter.
There. That should scatter half the slashdot crowd.
I agree that life can be rather comfortable with $1300/mth in Malaysia. Here are a few more to consider:.
- if you wish to buy Western products, say a Haagan Dasz ice-cream or a PS3, expect to pay the US equivalent of the cost. Also, PS3 games do not come down in price, even for old titles.
- unless if you get your movies through the internet, all original copies of DVD undergo some censorship if you buy them locally.
- Keep in mind that the bandwidth in Malaysia is not great (and probably has some data cap).
- not every place in Malaysia is disabled-access friendly.
..if he can't compete in US
Americans can get 1 year travel visas w/ 90 day-per-entry stays. Chinese-Americans with a history of frequent visits can get 2 year travel visas w/ 90 day stays (I have this). You have to apply for this visa back in the U.S. as visas issued in Hong Kong are more limited.
To get a temporary residence permit, you have two options. Anybody with a household registry can sponsor you -- basically they are saying you are living with them. Yes, your landlord can rent to you and also sponsor you for a temporary residence permit. No, it's pretty easy to rent a place once you flash your foreign passport plus cash -- no employment contract needed. Hook up with a rental agent to do this legwork for you.
Option 2 is to buy a place and then you file paperwork upon each entry saying you are living in the place you bought. All it takes is cash up front and a certified translation of your passport to buy a condo. With a homeowner certificate, you can even send your kids to the local school at local rates if you wanted them to learn Mandarin.
As for working, again the idea in this entire thread is you work REMOTELY with U.S. customers to earn U.S. dollars. You do not need a China work visa as you are not getting a job with a local company (either Chinese or foreign origin). Getting a China work visa means you are competing in the China labor market -- and the only segment you can out-compete is as an English teacher.
Hong Kong was under control by the British for 100 years. The income & lifestyle is similar to that of the developed world. Plus it's 10M people living in a small geographic area so living costs are similar to that of New York City.
Live in the US and make $120k/year? That would be my preferred option.
After living in Silicon Valley for almost 10 years, we moved to Taiwan for 4 months (just got back), while I continued working as an independent contractor for US-based companies doing custom web and iOS software development.
In a word, it was *awesome*.
You could definitely make a very decent living in Taiwan, especially outside of Taipei (Taipei could still work pretty well, but rent prices are significantly higher than the rest of the country.)
Living expenses are incredibly cheap, especially for a first-world country. Bonus, If you can qualify for an ARC (Alien Resident Card), then their nationalized health care is really cheap.
We had a beautiful (albeit on the small side) 2 BR/1 BA apartment in the heart of Kaohsiung (Taiwan's second largest city) for $400/month. Utilities at around $75/month. Wife and I both had unlimited 3G on our iPhones for $30 per month each — oh, and that *includes* UNLIMITED tethering (something you'll never get with AT&T or Verizon).
Food in Taiwan is incredible... both in taste, as well in cost. We never cooked, always eating out every breakfast, lunch and dinner to the tune of about $15 per day total.
Taxis can take you pretty much anywhere for about $2-$4 per trip... or you can take the subway for about $1 per ride.
All told, we were spending about $1500 per month.
However, despite its benefits, there are definitely some downsides. Taiwan (like most of East Asia) has notoriously poor air quality. Lack of emission control standards on vehicles make it very difficult to walk (let alone jog or work out) outside without feeling a bit nauseous. When walking around outside, you will see people wearing masks *everywhere*.
Also, unlike other countries in East Asia with a stronger western influence, it is very difficult to get around Taiwan without being able to speak Chinese. While there are some people who do speak very basic conversational English, it's a bit more on the rare side, so trying to get around or order at restaurants can be challenging. It tends to be a bit easier in Taipei, but then, you'll end up paying more in living expenses.
But if you are able to get through some of those challenges, it can be an incredibly rewarding experience. We are already trying to figure out how and when we can get out there again!
sed nuf
Table-ized A.I.
“Move to low cost-of-living area of the world, set up shop working remote, work ten hours a week while building a huge nest egg.”
Income: $16,000
Rent: $9,600
I'm not sure what you'd consider to be a huge nest egg, but after other living expenses I can't see much being saved at the end of the day. Good luck saving for buying an apartment.
I've lived in SE Asia for nearly 26 years now. I'm now based in Phnom
Penh and will soon split my time between here and Vientiane (for
geographically challanged American's, that's in Laos). There are
quite a few Expats living in Phnom Penh who program or more commonly
do Web development. My flat is $350 with a big balcony looking over a
park and I am only two blocks away from where the Tonle and Mekong
River comes together. Electricity is more expensive than in Thailand,
so my utilities run about $50 a month. Bandwidth isn't great, but
there is 3G and fiber to the curb pretty much everywhere in the
Capital.
This is a great place to live and work. The people are wonderful, the
women are stunning, the food isn't as good as in Thailand (I lived
there 16 years) but it's getting better. I lived here for a year 12
years ago and the progress that has taken place is astonishing, the
bombed out buildings are gone, no more gunfire echoing in the night,
there are actual paved roads everywhere, electricity in my part of the
city is very stable, Internet is good and getting better, there are
hundreds of restaurants and bars serving almost anything you can
imagine. Give it another five years and they'll have a handle on
traffic and rubbish and some other annoyances.
Yes it's hot. But the buildings are designed for it. My
office has very tall ceilings and despite it being 38C (100F) outside,
there is no need for air conditioning. A floor fan for the computers
and a ceiling fan is enough to keep the room very comfortable.
I'm happy to see so many American's in the comments who obviously
can't imagine living anywhere but in the States. That's fine, you can
have your illusion of American Exceptionalism and stay where you are.
It's a lot nicer out here, with or without you.
In America. Will that even cover grocery's for a family of 4.
It's obvious now that Spain is not where anyone would go looking for a job, but this wasn't so in 2000. The economy was booming. I worked in IT for a dot-com in the US while living in Barcelona and was laughing - $75k/yr pretty much tax free due to the foreign earned income exception. My wife and I saved about half of it and lived well. When the dot-com biz went bust in 2001 I had to look for a job, which even in a booming economy and speaking Spanish, proved difficult. Your connections, friends, and relatives count for a LOT there, and had few (my wife's family is not very well-connected). Anyway, I would wholeheartedly recommend living outside the US (if that's where you're from; I expect it's good to live outside your home country no matter where you're from), but keep in mind that if you stay out for a long time (13 years in my case) the return can be difficult. If you get used to living in a cheaper place and having an easy life (i.e. living life instead of being too career focused) returning to the US (especially with kids, like me) can be a real shock. We're trying to manage it now and it looks like things will work out, but it has not been easy. If you learn the language where you are (and it's a global language) that can be an asset. So can trading opportunities (import/export) that you may come upon. It's still something to think about though.
... than many people have.
How in the hell do you pay $200 a month for car insurance? Do you frequently get in accidents?
Either that or he has a Ferrari
Bhumiputra, while ostensibly being about Malay supremacy, is in fact thinly disguised Muslim supremacy. No better evidence of this than the fact that the Hui Chinese - racially Han Chinese but who've embraced Islam - have the same rights under Bhumiputra as the Malays. In the meantime, indigenous non-Muslim Malaysian groups, like the Orang Asli are not covered by the Bhumiputra laws, so so much for that 'sons of the soil' malarkey.
There are other laws as well that betray the Islamic supremacist underpinnings of Bhumiputra. One is that any Malay is automatically by law classified as a Muslim, and is completely denied any freedom of conscience to switch to anything else - be it Buddhism, Taoism, Christianity, Hinduism, et al. Also, there have been incidents in Malaysia of non-Muslims being declared as having embraced Islam on their deathbeds, and their grieving relatives shocked by such revelations. While this behavior may seem grotesque, one of the real reasons behind it seems to be a desire to grab property of non-Muslims and hand it over to Muslims. Otherwise, if it was just about the Malays, then other ethnic peoples - Chinese or Indians can't become Malay, so why even try? This whole deal is NOT about Malay, it's about Muslim. Which explains why the 'international community' (whatever it is), which was full of outrage against South Africa during the Apartheid regimes, doesn't make a beep about the Malaysian Muslims doing the exact same thing.
So Malaysia's not a bad place to settle in if one happens to be Muslim: in that case, no matter what one's race, one can easily get covered by the Bhumiputra laws. Also, if one is a Muslim, one might look at some other countries, such as the Emirates, Kuwait, Bahrein, et al
I think better destinations would be Singapore or Philippines. Those 2 countries are more compatible, and there are no language issues. If one is in Taiwan or Thailand, language would be more of a problem. I'd certainly consider those better places to settle than Malaysia.
The article ends abruptly before explaining what this guy does in Malaysia. The suggestions in this discussion all assume the person going to Montenegro, Costa Rica, China, etc have remote work. Where is all this remote work? I've looked for a long time and all I can find are race-to-the-bottom remote work arrangements which don't pay enough to afford the Internet connection necessary to do the work.
Car insurance $200 a month. Uncle Sam's rent money = 25% of pay = $4000 or $360 a month, Food = $350 a month or = the other 25%. Now rent you are looking at $700 a month. I live in cheap ass Florida and you can not find a good apartment for anything less.
You would need $25,0000 to just break even.
Woah nelly! I know Florida has expensive insurance, but $200 a month is pretty ridiculous. When I lived out west, my insurance was $86 every 6 months. in Sunny FL, it is $300 every 6 months. And I am not that old. Maybe you need to shop around a little?
Surely, if any "shit" were going down anywhere on the planet, it would be a lot more likely you'd be running from Miami?
The insurance policy I have on my 2007 Honda Accord was costing me roughly $300/month until I recently switched providers. I had the minimum liability coverage required by law, and the minimum collision/comprehensive coverage required by the lien-holder. I have no points on my drivers license and I have never been convicted of DUI/DWI.
The payments on my Accord were roughly $300/month as well until I recently refinanced. Note, I bought the car used, and my credit rate isn't terrible so I got a decent interest rate on my loan.
I live in one of the cheapest apartment complexes in town, where a single bedroom unit runs for $1050/month. No, I do not live in the SF bay area. I live in a nondescript suburb in New Jersey, nowhere near NYC or Philadelphia. It's not exactly a gentrified or exclusive community; my town has a very large Asian immigrant population. I don't have central air conditioning. Good apartments are considerably more expensive.
Commuting to work costs me roughly $80/month in tolls alone. The fuel cost is roughly $200/month. I could move closer to work, but that would increase my rent by considerably more than $280/month. I could take public transit instead, but that would cost me roughly 40 hours per month, which translates to quite a bit more than that $280/month at my current pay rate, not to mention the public transit costs on top of that.
So ignoring such trifling matters as utilities, food, Internet, and cell phone costs, my absolute bare minimum monthly expenses were around the $2000/month mark. Since I refinanced the car and switched insurance carriers, I can now squeeze the cell phone and Internet bills into that $2000/month budget as well.
We can't all live in Nebraska, son. All this talk of sub-$100/month car insurance and $500/month rent is truly fantastic to hear. I once managed to rent a single bedroom in a 3 bedroom apartment for $400/month (plus utilities) in the ghetto (several shootings on our block during the one year that I lived there, roommate's car was broken into and robbed, etc.). To hear talk of $500/month apartments is hilarious to me.
Depends how old you are. I lived in Texas for a few years, and when I arrived my insurance for minimum liability only on an old used vehicle was $2400/year (the insurance cost more than my vehicle). I was told that because I was foreign and under 25, I was treated as if I were a 16 year old with 5 speeding tickets.
Oolite: Elite-like game. For Mac, Linux and Windows
I worked for a company that "outsourced" a job to Bangladesh and paid the guy $12k/year. He was able to hire a team of 10 people, live in a nice apartment and had maid services on that income.
Of course all 11 worked in some small room that most of us would consider a closet, on average the power went out 15 times a day so they had banks of car batteries in that small room, they had no air conditioning or even a window, and worked in some overcrowded shithole of a city.
So yeah if you want to downsize your income move to Asia, just don't expect to enjoy it, nobody there does.
I haven't thought of anything clever to put here, but then again most of you haven't either.
If you can save $10/hour you'll be able to retire early in Malaysia. Work in a high cost of living area and retire in a low cost one. If you work in the low cost/low pay area you will never afford to get out.
There is no reason to work for low wages in some backwater country when you can do it here at home without working!
I am part of an ethnic group known as Travellers (otherwise known as English gypsies). We live in high style here in the UK with Jobseekers Benefit, Family Benefit as our only income (besides our few "side jobs.") I have a beautiful wife and 10 lovely children. We live in a nice 6-bed council house that is valued at £300k. The house is paid for by the Town Council. We have three cars, a 72" HDTV, satellite TV, fast broadband, and several computers and laptops for each of the kids. We get over $10,000/year in child benefit via our 10 kids, and both me and my wife get that much each in unemployment benefits. We have never worked a day in our lives.
We have a nice big caravan (RV for you guys in the states) so we can travel throughout the EU on a whim. We often travel down across the border to the Irish Republic to nab some turf from the govt. run Bord na Mona fields. Thus our heating is also free. The electric meter is hacked. So no electric bill either. We also travel a lot to go bet on high stakes boxing matches. The prizes can be over $100,000 tax free. Google the movie "Knuckle" for more details. We "launder diesel" as fuel for our cars. So our transportation costs are also very low. If things get really bad we also have a sulky: http://www.youtube.com/watch?v=9pyjnw-Olq4
I have numerous "side jobs" besides fixing the boxing matches. We sell tons of scrap metal and lots of stolen kerosene. But mainly we sell horse meat as beef.
For more information on our group please watch the movie "Knuckle" and the "My Big Fat Gypsy Wedding" TV series.
To bad I have student loans that don't shrink if I move to a cheaper country!
Democracy Now! - your daily, uncensored, corporate-free
:-)
Green & Red Curry
Drunken Noodle
Coconut Soup
Papaya Salad
The United States is one of a couple of nations that expect US citizens to pay taxes to the US even on a salary not earned in the US or even earned from a non US-based entity.
An EU citizen can move to the US, get a job, earn a wage, and at the end of that tax season, pay unto the US what he owes to the US. He pays his homeland nothing and nothing is expected. A US citizen is expected to pay unto the US taxes -- even on foreign-earned income.
This fact is rarely, if ever taken into consideration. One does not have to agree or disagree. It's the law. It's a simple fact one must consider if one decides to pursue living abroad.
Generally your cost of living depends on the desirability of your location and your standard of living which can vary anywhere. Note all the folks living in NYC on minimum wage. I've been working about 15 hours/week for years and live quite well in the US while accumulating savings. Being fortunate to bill out at a high rate (in my case, about $100/hr) makes a BIG difference. Still, if you get rid of all the big line items in most folks budgets: rent/mortgage, phone, cable, loans, eating out frequently, etc., you can bring your cost of living way down. If you're saddled with debt...not so easy. Right now, cost of living is about $2-3K/mo. for 2 people and a dog, living on the waterfront and traveling constantly. Home is a sailboat. Of course, we could live much cheaper, but we eat and drink very well and have a nice boat that is kept well. The whole East Coast is home. Could do this even cheaper with a small camper, or super inexpensive with a bike with paniers + tent. I have a friend who biked over the whole of the Americas (yes, ALL of them) for 2.5 years living on about $7/day. Naturally, she didn't have to work very often or for long.
This summer a team of 2 greeks, 1 swiss and 1 spanish (all devs) was having an afternoon swim in the sea after a long day hacking some code in a close mountain.
http://pic.twitter.com/I7mLKZXf
We thought that if we could bring more people, that would be a nice income for the country: sell Greece's weather not for tourism but for remote workers.
Renting a 2 floors flat is 500-600 euro. Internet around 20-30 euro for ADSL or 25 euro for a 30GB 4G contract. Today's lunch in a restaurant for 4, 35 euro. Of course there are some things a bit expensive: coffee in a trendy cafeteria 4 euro, or 1,5L of fresh milk 2,1 euro.
Still a nice place to stay.
Why go all the way to malaysia? Just be homeless. And by that I mean, live out of your old VW bus or other cheap old van. These days there's plenty of free WiFi where you can work. Sleep in your car. Eat inexpensively. Or if you need actual shelter, a small industrial unit can be had for mere hundreds per month, way cheaper than an apartment. I did both, for a while. It can actually be kinda fun if you do it right. Work in the day, hang out at coffee shops in the evening. If you have a dating partner you can even crash somewhere nice a few days a week.. Never did I consider going to malaysia.
-- Senior Software Engineer, Attorney appearance services, locallawyerapp.com.
Malaysia is an easy option but there are lots of nicer places in Asia, especially if you do not want to live in 24 hour air con. For me I like the Tibetan foothills, where we get more sunshine than California, and yet there are still plenty of unspoiled valleys just waiting to be explored.
This guy is a programmer who travels the world programming and tells other people how they can live and work in other countries (and not just programming). He's currently in Paris. If you want more than just Malaysia, check it out.
Small Wang.