trap101-ETHout-Allegri-In
Superstar
Damn... I wonder if Canada has a similar program.. i'm not military tho, but would be a good benefit to have even if paying out of pocket.
I'm a Black Expat AMA
- Thread starter Wiseborn
- Start date
Should you get Travel Medical Insurance.
That’s a you question, all third world countries they’ll gladly take cash and It was very reasonable.
But if you have a catastrophic injury or don’t have the bread Travel Insurance might work for you.
Nerd Wallet reccomends Travel Guard from AIG
www.poppinsmoke.com
That’s a you question, all third world countries they’ll gladly take cash and It was very reasonable.
But if you have a catastrophic injury or don’t have the bread Travel Insurance might work for you.
Nerd Wallet reccomends Travel Guard from AIG
Living Overseas - Poppin' Smoke
Living Overseas Continue the adventure by living overseas as a civilian Living Overseas Continue the adventure by living overseas as a civilian Explore your options for living overseas, whether to work, study, or simply enjoy life in another country. Learn about the process of moving overseas...
www.poppinsmoke.com
They might considering y’all have free health care It’s worth asking
Update: According to Newsweek
The best Hospital in Latin America is actually Fundacion Santa Fe de Bogota which is in you guessed it Bogota.
The next best hospital is Einstein Hospital in Sao Paulo Brazil
Then there’s my faviorite Fundacion Valle Del Lilli in Cali Colombia.
Theres a new option to get phone calls from banks of the government internationally
phone2i.o
phone2i.o
When deciding between Wise and Revolut for money transfer services it’s important to note that both are valid options that rank well in our independent analysis.
Wise, formerly known as Transferwise, was founded in 2011, and offers app-based and online accounts (including a debit card) for personal and business customers. Wise has more than 10 million customers worldwide, and was launched in Australia in 2016. It is listed on the London Stock Exchange.
Meanwhile, Revolut launched in 2015 in London with a prepaid card and app-only payments service. It has since expanded rapidly and now offers a range of payment and banking services which aim to cater to “global lifestyles”. Revolut is a privately held company that was co-founded by Nikolay Storonsky and Vlad Yatsenko.
Revolut expanded its operations to Australia in 2019, and offers three tiered plans. The company boasts 45 million personal users worldwide, with nearly 500,000 here in Australia.
As Charlie Short, head of growth for Revolut Australia, explained to Forbes Advisor Australia, Revolut operates in the country as a financial institution with a full AFSL licence.
“(However) Revolut in Australia is not a licensed bank yet, but partners with a licensed bank to provide services and protect user funds,” Short said.
Wise, on the other hand, is regulated by the Australian Securities and Investments Commission (ASIC) and holds an Australian Financial Services Licence (AFSL), while Revolut Australia is not a bank or authorised deposit-taking institution.
Ultimately, Wise and Revolut are both international fintech companies that offer financial services.
“One of the main differences between the two providers is that Revolut operates on a subscription model and Wise does not,” Wise ANZ country manager, Tristan Dakin, explained to Forbes Advisor Australia.
Short, on the other hand, says that while Revolut’s initial goal was to focus on travel and international transactions, the platform has now adapted to cater to a variety of financial needs, including budgeting and analytics, an under 18s junior money tool, wealth and trading, and teaching courses to help Australians better understand their finances.
“Our product is designed to be used by everyday Australians,” Short says, “however we find it appeals most to those aged between 18 to 35”.
Here are some of the key costs you may encounter:
Revolut, on the other hand, has three tiers of subscription: a free account with a free card for non-express shipping, or express delivery of $33.99 per card; a $9.99 subscription plan with an express delivery card at no extra cost; and a higher-tier subscription plan for $24.99 with an express card delivery as well.
The fee charged will depend on the specific currency transaction, but it ranges from 0.15% to 2%. Wise offers an online calculator so customers can see how much they’ll be charged for their currency transfer before they proceed.
Revolut has different charges for business and personal customers and fees also vary depending on the size of your transaction. The company publishes a list of its fees online and on the app. For example, currency exchange is fee-free on weekdays, subject to maximum limits; instead of charging a fee, Revolut makes its money back through a less competitive exchange rate for consumers.
Revolut uses a real-time exchange rate for foreign exchange, while Wise uses a mid-market rate.
Additionally, transfers with Revolut at the weekend or on Australian public holidays are charged at 1%.
Wise has three transfer speed options at different prices with the ‘fast and easy transfer’ costing the most:
Ultimately, which currency transfer service is best for you will depend on what you want from the account and how you plan to use it.
For fast, low-cost currency exchange the Wise account is straightforward with a transparent fee structure and mid-market exchange rates.
For added services, Revolut could offer customers more value, particularly for regular travellers who want fee-free spending overseas, insurance for baggage when on holiday and discounts on airport lounge access and don’t mind paying for one of Revolut’s premium accounts.
Wise, formerly known as Transferwise, was founded in 2011, and offers app-based and online accounts (including a debit card) for personal and business customers. Wise has more than 10 million customers worldwide, and was launched in Australia in 2016. It is listed on the London Stock Exchange.
Meanwhile, Revolut launched in 2015 in London with a prepaid card and app-only payments service. It has since expanded rapidly and now offers a range of payment and banking services which aim to cater to “global lifestyles”. Revolut is a privately held company that was co-founded by Nikolay Storonsky and Vlad Yatsenko.
Revolut expanded its operations to Australia in 2019, and offers three tiered plans. The company boasts 45 million personal users worldwide, with nearly 500,000 here in Australia.
As Charlie Short, head of growth for Revolut Australia, explained to Forbes Advisor Australia, Revolut operates in the country as a financial institution with a full AFSL licence.
“(However) Revolut in Australia is not a licensed bank yet, but partners with a licensed bank to provide services and protect user funds,” Short said.
Wise, on the other hand, is regulated by the Australian Securities and Investments Commission (ASIC) and holds an Australian Financial Services Licence (AFSL), while Revolut Australia is not a bank or authorised deposit-taking institution.
Ultimately, Wise and Revolut are both international fintech companies that offer financial services.
“One of the main differences between the two providers is that Revolut operates on a subscription model and Wise does not,” Wise ANZ country manager, Tristan Dakin, explained to Forbes Advisor Australia.
Wise vs Revolut: Comparisons
As Wise and Revolut both offer multiple products, including business offerings and memberships, Forbes Advisor Australia has chosen to compare each of the entities based on the following analysis.Stated Mission
Dakin says Wise’s main goal is to make it easy for Australians to make international payments as low cost, conveniently and as quickly as possible.Short, on the other hand, says that while Revolut’s initial goal was to focus on travel and international transactions, the platform has now adapted to cater to a variety of financial needs, including budgeting and analytics, an under 18s junior money tool, wealth and trading, and teaching courses to help Australians better understand their finances.
“Our product is designed to be used by everyday Australians,” Short says, “however we find it appeals most to those aged between 18 to 35”.
Pricing
There are different pricing requirements and fees for both, and the price you will pay will depend on what tiered Revolut card you are using, as well as whether you’re adding money to your card, withdrawing cash from an ATM, as well as, of course, the exchange rate differences.Here are some of the key costs you may encounter:
Subscriptions
Wise is free to sign up to, with a $10 charge made in order to receive the attached debit card.Revolut, on the other hand, has three tiers of subscription: a free account with a free card for non-express shipping, or express delivery of $33.99 per card; a $9.99 subscription plan with an express delivery card at no extra cost; and a higher-tier subscription plan for $24.99 with an express card delivery as well.
Exchange Rates
Wise customers receive the exact mid-market rate on currency exchange transactions, so Wise makes its money back through its fees.The fee charged will depend on the specific currency transaction, but it ranges from 0.15% to 2%. Wise offers an online calculator so customers can see how much they’ll be charged for their currency transfer before they proceed.
Revolut has different charges for business and personal customers and fees also vary depending on the size of your transaction. The company publishes a list of its fees online and on the app. For example, currency exchange is fee-free on weekdays, subject to maximum limits; instead of charging a fee, Revolut makes its money back through a less competitive exchange rate for consumers.
Revolut uses a real-time exchange rate for foreign exchange, while Wise uses a mid-market rate.
Additionally, transfers with Revolut at the weekend or on Australian public holidays are charged at 1%.
Currencies
While Wise can facilitate foreign exchange transactions in 40 currencies and operates in 160 nations, Revolut works with 29 currencies.Wise Vs Revolut: Summary Of Services And Pricing
| Wise (Personal Account) | Revolut (Free Account) | |
|---|---|---|
| Number of currencies | 40+ | 40+ |
| Card ordering fee | $10 to order with standard delivery included | First card free |
| Replacement card cost | $6 per card | $18.98 per card |
| Monthly maintenance fee | $0 | $0 |
| Exchange rates | Mid-market rate, being the midpoint of what banks agree to sell their currencies for | Real-time exchange rate for foreign exchange |
| ATM withdrawals | $350 a month limit for free, small fee for amounts above this | Unlimited withdrawals of $350 a month |
| Countries you can spend in | 150+ | 150+ |
| Sending money overseas | From 0.43% | Free to other Revolut customers or AU banks |
| Overseas bank account details | Yes | No |
| Virtual cards | Up to three | Reusable or single use cards available in app |
| Business account | Yes | Yes |
Which Is Faster For Money Transfer: Wise or Revolut?
Wise Money Transfer
The speed of your currency transfer will depend on a range of factors including how you pay (debit and credit card is fastest), the type of transfer you choose, and where you’re sending the cash and the currency.Wise has three transfer speed options at different prices with the ‘fast and easy transfer’ costing the most:
- Advanced transfer: funds arrive within one to three working days.
- Low cost transfer: funds arrive within three to 24 hours
- Fast and easy transfer: funds arrive within 3 to 5 hours
Revolut Money Transfer
The standard time for international currency transfers is one working day, depending on the nature of the transaction and the receiving bank. Some transfers may take longer over the weekend or public holidays, for example.Pros Of Wise
- Nine local accounts, available in AUD, GBP, EUR, NZD, SGD, CAD, HUF, RON and TRY
- Two free withdrawals of up to $350 AUD a month
- 40 currency balances
- Immediate transfers available
- No subscription fees
- Mid-market exchange rate
Pros Of Revolut
- Can open multiple bank accounts
- Manage funds in different currencies
- Fee-free international spending
- Cryptocurrency trading
- Real-time spending notifications
- Advanced security features
Conclusion: Wise vs Revolut
Consumers of both products have high reviews to share of each money transfer service. Via ProductReview, customers of Wise reported their experience as “so good, no problems” and that it is a “fantastic service”. Revolut customers shared similar sentiments, saying it was a “must have card when travelling abroad”.Ultimately, which currency transfer service is best for you will depend on what you want from the account and how you plan to use it.
For fast, low-cost currency exchange the Wise account is straightforward with a transparent fee structure and mid-market exchange rates.
For added services, Revolut could offer customers more value, particularly for regular travellers who want fee-free spending overseas, insurance for baggage when on holiday and discounts on airport lounge access and don’t mind paying for one of Revolut’s premium accounts.
Belize King
I got concepts of a plan.
There are many types of expats. My favorite are the ones who give free game. They been in country for years and know where the money is at. Normally, they are successful and just drink at his drinking spot and loves conversation.More resources for people looking to expat primarily former US Military members
Living Overseas - Poppin' Smoke
Living Overseas Continue the adventure by living overseas as a civilian Living Overseas Continue the adventure by living overseas as a civilian Explore your options for living overseas, whether to work, study, or simply enjoy life in another country. Learn about the process of moving overseas...
filled with real life examples of sucessful expats who made the leap
In the Army when they say Pop Smoke it means to leave because in combat you pop smoke to mark your position for a helocopter or Pop Smoke to hide your movements under fire.
Anyway loads of information and a facebook group that you can ask direct questions of people in the group.
This is far more helpful that listening to a drunk sexpat in a hoe bar.
(even though that’s usually the second best option for information)
I’ve met more than a few. There are some that are full of shyt, but some can gauge if you are truly about something and would take you under their wing.
I’m working with one right now here in Okinawa who wants to put me on the real estate game. If I end up pulling the trigger, I know there is money out here. It’s figuring it out how to get it. Many times expats will guide you.
There’s tons of money to be made overseas If you know what you’re doing and have decent connections.
A lot of countries are gonna be gagging for US dollars once donnie starts throwing tariffs around a breh can really come up.
More Money plays
Buying Infrastucture bonds
Infrastructure Bonds are financial instruments issued by governments or corporations to raise capital for funding large-scale infrastructure projects such as roads, bridges, airports, and utilities. Infrastructure bonds allow governments and corporations to raise significant amounts of capital upfront to finance costly infrastructure projects.
Infrastructure bonds are financial instruments. Governments or corporations issue them. These bonds are issued for specific purposes. The purposes include the construction, maintenance, or improvement of public infrastructure. They operate as a form of debt financing. Investors provide capital for these bonds. In return, they receive periodic interest payments. Additionally, they receive repayment of the principal amount at maturity.
The origin of it dates back to the early 19th century. Governments began issuing bonds during this time. They issued bonds to finance large-scale infrastructure projects. These projects included railways, canals, and highways. The bonds were often backed by the revenue generated from these projects. This provided investors with a degree of security.
Over time, these bonds have evolved. They now encompass a wide range of projects. These projects include transportation, energy, water, telecommunications, and social infrastructure. Governments and corporations around the world continue to issue such bonds. They do this to fund critical infrastructure needs. They leverage the long-term investment horizon of bondholders.
This is long but you should know what you’re investing in. Short story you can buy Intrastructure bonds through most large banks you can diversify buy buying them in an ETF bond or Mutual fund
and you’ll be investing in a foreign country. Kenya has an Infrastructure bond sale right now.
Buying Infrastucture bonds
Infrastructure Bonds are financial instruments issued by governments or corporations to raise capital for funding large-scale infrastructure projects such as roads, bridges, airports, and utilities. Infrastructure bonds allow governments and corporations to raise significant amounts of capital upfront to finance costly infrastructure projects.
Infrastructure bonds are financial instruments. Governments or corporations issue them. These bonds are issued for specific purposes. The purposes include the construction, maintenance, or improvement of public infrastructure. They operate as a form of debt financing. Investors provide capital for these bonds. In return, they receive periodic interest payments. Additionally, they receive repayment of the principal amount at maturity.
The origin of it dates back to the early 19th century. Governments began issuing bonds during this time. They issued bonds to finance large-scale infrastructure projects. These projects included railways, canals, and highways. The bonds were often backed by the revenue generated from these projects. This provided investors with a degree of security.
Over time, these bonds have evolved. They now encompass a wide range of projects. These projects include transportation, energy, water, telecommunications, and social infrastructure. Governments and corporations around the world continue to issue such bonds. They do this to fund critical infrastructure needs. They leverage the long-term investment horizon of bondholders.
This is long but you should know what you’re investing in. Short story you can buy Intrastructure bonds through most large banks you can diversify buy buying them in an ETF bond or Mutual fund
and you’ll be investing in a foreign country. Kenya has an Infrastructure bond sale right now.
I spoke on this before but one thing you get with SOME expats is Brotherhood.
Believe me at the end of the day even if you’re in Africa you realize that all we got is US and you delinate because lord knows the locals delineate.
Anyone going overseas needs to at least speak to any Brother or sister overseas. If you ever thought that racism was over hang around white people in a Black area You’ll be more segregated than 1950’s Alabama if you try to hang out with your white countrymen.
Again the right expat is a wealth of information and will go out of their way to help you.
To the brehs going overseas low key fukked up and needing money I have one piece of advice:
DON’T.
But if you’re stuck and ain’t trying to go home there’s some online jobs you can get.
This will be way long so I’ll break it up over several posts.
One job you can do is to be a Medical Transcriber. Basically you have to write down the shyt Doctors say when operatining. Doctors in the states are so scared of lawsuits that they literally have to describe what they’re doing as well as flim it. You go online and you see people getting operated on someone had to write down what the Doctor said and did.
You can also be a Medical Biller and coder. You basically charge people 600 bucks for an aspirin and dirty job but someone has to do it. extremely nasty work literally
Online claims adjuster assistant. More nasty work you look at pictures and call people trying to get the Insurance company out of paying for what they charge people for.
Data entry it is what the title is nuff said.
Mortgage Underwriter. basically you find ways to deny people home loans
Corparate Travel Manager basically a travel agent for Companies.
Corparate Meeting troubleshooter ( I know 4 people who do this job with different titles but you basically set up remote meeting for teams and handle slight IT support and post speadsheets and Powerpoint slides). You know the basics of Excel and Power Point and you can do this job.
Then there’s the old stand by Teaching English online.
And when all else fails Be a Travel Trick bum content creator and e beg.
Lot of clowns are funding their vacations this way. If you’re about to lose your cold water flat in the ghetto of some 9th world country desparate times call for desparate measures.
Then there’s review writing on Fiver and Upwork.
DON’T.
But if you’re stuck and ain’t trying to go home there’s some online jobs you can get.
This will be way long so I’ll break it up over several posts.
One job you can do is to be a Medical Transcriber. Basically you have to write down the shyt Doctors say when operatining. Doctors in the states are so scared of lawsuits that they literally have to describe what they’re doing as well as flim it. You go online and you see people getting operated on someone had to write down what the Doctor said and did.
You can also be a Medical Biller and coder. You basically charge people 600 bucks for an aspirin and dirty job but someone has to do it. extremely nasty work literally
Online claims adjuster assistant. More nasty work you look at pictures and call people trying to get the Insurance company out of paying for what they charge people for.
Data entry it is what the title is nuff said.
Mortgage Underwriter. basically you find ways to deny people home loans
Corparate Travel Manager basically a travel agent for Companies.
Corparate Meeting troubleshooter ( I know 4 people who do this job with different titles but you basically set up remote meeting for teams and handle slight IT support and post speadsheets and Powerpoint slides). You know the basics of Excel and Power Point and you can do this job.
Then there’s the old stand by Teaching English online.
And when all else fails Be a Travel Trick bum content creator and e beg.
Lot of clowns are funding their vacations this way. If you’re about to lose your cold water flat in the ghetto of some 9th world country desparate times call for desparate measures.
Then there’s review writing on Fiver and Upwork.
If you have an address and someone to accept your mail keep that. I’m sending some boxes to my old address in Colombia and I’m gonna have trouble getting the packages.
However if you need an address the traveling mailbox is a good one to have.
travelingmailbox.com
You will absolutely need someone to pick up random mail overseas.
A good bank to deal with in the states is Charles Schwab and Goldman Sachs Bank ( Marcus). Marcus accounts have the highest average interest rates now.
The down side is that they don’t give you a ATM card you have to switch the funds to another bank that does give you a card.
This is also an upside as it’s harder to steal funds that there’s no card for.
However if you need an address the traveling mailbox is a good one to have.
Virtual Mailbox for Travelers & RVers | Traveling Mailbox
Virtual Mailbox with Postal Mail Scanning & Mail Forwarding Services. We scan your postal mail, forward your mail & mail your checks to the bank.
travelingmailbox.com
A good bank to deal with in the states is Charles Schwab and Goldman Sachs Bank ( Marcus). Marcus accounts have the highest average interest rates now.
The down side is that they don’t give you a ATM card you have to switch the funds to another bank that does give you a card.
This is also an upside as it’s harder to steal funds that there’s no card for.
More Advice on getting advice Holla at up & coming travel trick bums.
I go hard on Travel Trick Bums especially the big ones who are never in a place long enough to know anything.
But a small time Travel Trick Bum who either lives or spends months in the same place year after year knows a lot of about the place and more importantly the people.
Knowing the right connect is extremely important important I know someone who wouldn’t be described as a Travel Trick Bum in Tanzania and their connect got me a good deal on a house furnishings and even offered me a suite of ID's
That was a livesaver because their Airbnb and even their Hotel market wasn’t developed except at the super high end level.
The Fly Hotel in Arusha breakfasts was to die for though.
I wouldn’t give a travel trick bum any money unless they really helped you out a ton.
The key is meeting the Travel Trick Bum in person at the city that you’re in not when they’re somewhere else or in the states.
Everything in life is a tradeoff and as hard as I go against these guys when I knew nothing some of them helped me out here and there.
I go hard on Travel Trick Bums especially the big ones who are never in a place long enough to know anything.
But a small time Travel Trick Bum who either lives or spends months in the same place year after year knows a lot of about the place and more importantly the people.
Knowing the right connect is extremely important important I know someone who wouldn’t be described as a Travel Trick Bum in Tanzania and their connect got me a good deal on a house furnishings and even offered me a suite of ID's
That was a livesaver because their Airbnb and even their Hotel market wasn’t developed except at the super high end level.
The Fly Hotel in Arusha breakfasts was to die for though.
I wouldn’t give a travel trick bum any money unless they really helped you out a ton.
The key is meeting the Travel Trick Bum in person at the city that you’re in not when they’re somewhere else or in the states.
Everything in life is a tradeoff and as hard as I go against these guys when I knew nothing some of them helped me out here and there.
Travel EDC:
Get a Pacsafe travel safe.
This little bag can hold phones and wallets and jewelry and other small items that you don’t want to lose
pacsafe.com
Get a Pacsafe travel safe.
This little bag can hold phones and wallets and jewelry and other small items that you don’t want to lose
Travelsafe® Anti-Theft Portable Safe (Available in 3 sizes)
Buy Travelsafe 3L GII portable safe includes a combination lock to help you protect your valuables while on-the-go. Shop Pacsafe for travel, commuting, and work essentials - over 20 years of protecting your stuff.
pacsafe.com
If you want a pay as you go Phone app or don’t want to make a long term commitment You can use Yolla where you buy credits instead of a long term plan.
Skype basically doesn’t work but I keep it because that’s what the VA uses to communicate overseas.
yollacalls.com
Skype basically doesn’t work but I keep it because that’s what the VA uses to communicate overseas.
Cheap International Calls with Yolla Calling App
Make cheap international calls abroad to any mobile or landline. Get Yolla international calling app and call any country. Rates start as low as $0.004/min.
yollacalls.com