PERMANENTLY moving overseas

The immigrant feeling in a foreign country

[quote=FIREdreamer;617935]I understand that expats might not FEEL like immigrants, especially after living in a foreign country for many years (I know I don't). But my point was that, no matter how they feel, they ARE immigrants. I don't know much about Singapore immigration laws, but the following could happen in a number of countries I am more familiar with: You say that you consider Singapore home, but Singapore could decline to renew your green card for example (it might seem unlikely, but it is a possibility). You probably can't vote in Singapore. And perhaps you can't leave the country for extended periods of time without prior approval from the government. Perhaps, still, you can't move within Singapore without notifying the government of your new address, etc... So you may not feel like an immigrant, but you are clearly not a full fledged Singaporian citizen with all the rights and privileges that go with the title. Some people could be bothered with that "second class citizen" aspect.

As for the second part of your post, I think we need to distinguish between two situations. If your colleagues said something like "American foreign policy sucks", I think it's easy not to take it personally because you can always reason that you are not responsible for that policy, and you may even disagree with the said policy. But what if somebody said (on TV for example) something like "America sucks" or "Americans suck"? Would you still not take it personally? As a proud American, would you not get hurt by such comment? I know I would. That's why you need to develop a thick skin so you don't work yourself up everytime that happens. It's the people who are not proud of their country (and IMHO of who they are) who don't need a thick skin.[/quote]

I agree with everything you say. I'm returning to establish a more permanent home in the States only to be able to leave again. It's a good feeling to have a home in the USA first, and venture overseas for a temporary home. At the moment, I literally have absolutely no home base in the States, since I've been gone since the 1970's, except for a couple years in Texas. That being said, my "green card" in Singapore will most likely never be revoked, and I really do feel totally at home there. Perhaps it is the fact that English is the main language and I can communicate very well.

As for the comments I hear, perhaps I've heard once or twice in 10 years that "America sucks" or "Americans suck". That makes me a little angry, and whoever says it, I'll ask them to explain why. They always refer to American foreign policy or the lack of personal safety, and instead of saying that, they just say "Amerca sucks".

What makes me a lot more concerned than that, however, is the fact that a much larger number of students than before really hesitate to get their undergraduate degrees from the US. They read and hear about our gun culture, the extensive paperwork for entering the States, and the high tuitions, and they're turned off. I know there are some good justifications for the paperwork, but I'm just saying what I hear all the time.

Where I am living now, I definitely feel totally foreign. As much as the Jordanian culture is fascinating with the Dead Sea a 15 minute car ride and Petra and Jarash within a couple of hours, I could never be here long term. As a non-Muslim, trying to fit into a Middle Eastern nation is difficult.

Regards,
Rob
 
Whatever you do don't burn bridges... if you read thru forums like ThaiVisa there are plenty of people who last about two years in their "permanent move" before giving up and returning to US/UK/AUS to resume life, often with far more difficult employment prospects from being out of the game.
 
This is merely conjecture, but I'd bet most fur-in-ers get their information/impressions of Mer-ka from the same source Merkins get their information/impressions of fur-in-ers and fur-in countries: the boob tube...
 
Managing Mail, Money & Medical Abroad (4Ms)

Here are my thoughts on preparing for going abroad & ER

Mail: I have gone electronic on all possible mail. I stopped all my US subscriptions 1-2 years before ER so I get very little mail (at friends place).

Money. I use direct deposit/withdrawal at Fidelity for everything and can access account abroad on STAR, PLUS, & INTERLINK banking networks. Fidelity also connects to Citibank account -- Citi is everywhere. Have US Visa -- electronic billing. Use turbotax online for taxes.

Medical: I have gotten health insurance applications from IHI (as Rob suggested). IHI is widely used by teachers in Asia and gets good reviews.

Mental preparation. Probably most important. I went overseas more than 20 times before deciding where to live. 2 years ago I stayed for 1 month. Last year back for 2 more weeks. 1 month to ER!
 
I suggest you review what others from the US have to say about actually living in other countries. Tales from a Small Planet is a really useful site and tells you what it's like to be someplace for years at a time. Not many "paradises" out there.


Rich
 
The manufactured fear factor

I was trying to think of an appropriate title for this, and maybe the "fear factor" is not the best one. As a high school teacher oversea since the early 70's, far fewer American teachers have gone overseas to teachin the last few years. This is evidenced by the recruitment fairs where overseas asministrators just can't get the teachers. There have been a great increase in Canadian, Australian, and British teachers overseas, however.

You ask them why, and they say they feel safer living in America, and it is an unsafe world. It's like our country has become a fortress, and you only feel safe living there. My colleagues from Candada are genuinely surprised at how Americans are fed this daily political "propaganda" about the unsafe world. If that is what the politicians are saying to get elected, it's real sad that Americans believe it and are afraid to see the world anymore. I have teacher friends in Texas that want to go overseas to work, but the news constantly talks about danger ands terrorists. There is definite truth to some of that, but it's really used politically to the extreme where people, and in my case teachers, just don't want to risk living out in this "dangerous world". When you hear something over and over again, you begin to believe it.

Just my thoughts here.

Regards, Rob
 
Fear Factor

I feel safer in Japan than in the US.
 
gosh yeah. I agree with bpp3. At least Italy seems much safer.

Rob, I think the fear factor is largely manufactured, but extends to the US as well: I was reading some US journalists complaining about ladies in their town not wanting to have their names in the paper or their photos ID'd because 'people would attack them in their homes'.. and that you couldn't print the names of kids in the Science Fair photos because the moms said they would all be targets for child molesters.
 
rob - info on IHI please

Rob,
Please send more info on IHI if possible (web address etc).
I live overseas currently. Been abroad since 1992 or so, on our sixth country now.

Wife and 2 kids; Will want to get good medical coverage before I tell "big company" to take a hike in a year or two.

Am also thinking of getting my teaching cert and teaching at an international school as second career. Have always loved teaching, would especially like an oppy at the high school level. Any advice?

thanks.
 
Insurance overseas and teaching

Papadad111, the web address for IHI is International - Travel insurance and health insurance from IHI I'm 61,and my premium is $3,000/year with a $1600 deductible. It covers me in the States, also. However, it only covers me in the States if I am an expat overseas when I purchase the policy.

As for teaching at the high school level, there is a real need for teachers since a lot of us are retiring, and the need is especially critical in areas of math, science and special ed. The problem is that getting a teacher's certificate might involve having to return to the States, but there are so many states that will fast track you, and you can get certified while teaching. Also, there has been an explosion of international schools where there are not enough teachers to fill the positions. Therefore, if you ever wanted to teach overseas, there are many opportunities. I've lived and taught in 8 countries, most for two years at a time except one in Singapore for 19 years. Singapore will always be home, although I am going to try the States for awhile.

I'm the opposite of you. I've been teaching for 36 or so years, and I am so tired of the paper work, grading, early mornings, weekend lesson preps, and so on. I'm not discouraging you by any means, but any job after many years can be tiring. I would not mind in my semi-retirement doing something out of education for a while.

Best of luck, and I hope you use IHI.

Regards,
Rob
 
I was reading some US journalists complaining about ladies in their town not wanting to have their names in the paper or their photos ID'd because 'people would attack them in their homes'.. and that you couldn't print the names of kids in the Science Fair photos because the moms said they would all be targets for child molesters.

These crimes are infrequent, but far from unknown. Every person needs to decide at what level they want to set their caution procedures.

Similar to firewall security settings. You push it up until it starts to annoy your daily routines, then decide if you want to back off a little.

Most of us don't see enough of the world, and in particular stay tuned in long enough, to really know how relistic or unrealistic some security measures are. But if I were a woman, unless I had something material to gain from it, I would shun publicity. Likewise if I still had young kids, I would keep their lives private.

Ha
 
Samm,

How much is the fee on withdraw from STAR, PLUS, and Interlink banking in a country like Vietnam?

Is there any cheaper way like HSBC?


Here are my thoughts on preparing for going abroad & ER

Mail: I have gone electronic on all possible mail. I stopped all my US subscriptions 1-2 years before ER so I get very little mail (at friends place).

Money. I use direct deposit/withdrawal at Fidelity for everything and can access account abroad on STAR, PLUS, & INTERLINK banking networks. Fidelity also connects to Citibank account -- Citi is everywhere. Have US Visa -- electronic billing. Use turbotax online for taxes.

Medical: I have gotten health insurance applications from IHI (as Rob suggested). IHI is widely used by teachers in Asia and gets good reviews.

Mental preparation. Probably most important. I went overseas more than 20 times before deciding where to live. 2 years ago I stayed for 1 month. Last year back for 2 more weeks. 1 month to ER!
 
I am still in US and want out because of all the BS here. Just can't stand it any more. Our 9 months in Mexico made me realize how totally out of control our life is here.
 
I am still in US and want out because of all the BS here. Just can't stand it any more. Our 9 months in Mexico made me realize how totally out of control our life is here.
Can you elaborate on what BS your referring to please. And also what made your life more controlable in Mexico?

Living in other countries can also be very trying at times. Other than large cities around the world, like Tokyo, Paris, London, Sydney, Hong Kong (and then even there things are not exactly the same), the amenities you get in the US, and the life style you lead here will be lacking unless you 'pay up', i.e. are on the luxury end of the scale.

I am not anti living abroad, just want to make sure everyone has the right expectations. In fact I am winding down 5 months in Asia. Love it, but at times miss some of the 'nicities' that we come to take for granted.
 
A)
Despite a LBYM lifestyle, be prepared to face the populace as a wealthy man, and be judged accordingly. Maintain contacts with your current/past employers, should all else fail and you need to come back and work more.

If you have more specific Q's, send pmail.

Hm...I haven't thought much about this last part. In the US, I'd be middle-class affluent at best, and judging by the crappy van I drive, most people assume I'm a graduate student. :)

I'm thinking that "facing the populace as a wealthy man" implies more unpleasantness than pleasantness.
 
Move to Canada?

We've considered moving to Canada (from US) when we retire. Anyone else considered that or have done that, instead of Europe? Wondered if there are websites that anyone could recommend as resources for issues like tax implications, etc. of moving. Thanks all...interesting thread!:)
 
Canada?

Hi "itsmyparty",
Your desire to retire in Canada is the same as mine, but I have some real concerns about being there all the time. I've asked about this at customs in Canada, and inquired on-line. Here is what I want to do, and also what I am only able to do.

As an American, when you enter Canada, you are only allowed to remain there for 6 months each year for tax purposes. That means that you may not work (but why would you if you are retired), and you will not pay Canadian taxes. If you stay beyond the 6 months for any year, you become a resident for tax purposes. I was lead to believe that you can ONLY remain in Canada for 6 months each year. That's not true. After being in Canada for 6 month, you can leave and re-enter right away, and stay another 6 months. You can literally stay as long as you want, but then you have to declare yourself a resident for tax purposes and pay rather hefty taxes. You don't get the health care or anything like that, but if you have retirement income, that's taxed. I believe that would eliminate having to pay US taxes, but you'll have to see an accountant about that.

Again, I've inquired at the border and airport cuustoms about this. I have this strong inclination to do things right, and in spite of the fact that you can drive across the border and not have your passport stamped means that the authorities don't really know whether you are there for 6 months or not.

My personal plan in my "semi-retirement" is to spend half the year in Canada (Quebec) with very close friends from overseas and the other half in a warmer part of the US like Texas, where I'd like to buy a little townhouse. I'm not sure if I'd enjoy the cold Canadian winters, but I do totally love the Canadian lifestyle.

It'll be interesting to hear what you decide. Best of luck to you.

Regards,
Rob
 
Affluence and the expat

Hm...I haven't thought much about this last part. In the US, I'd be middle-class affluent at best, and judging by the crappy van I drive, most people assume I'm a graduate student. :)

I'm thinking that "facing the populace as a wealthy man" implies more unpleasantness than pleasantness.

Actually, I'm just writing about this topic for my blog. I wouldn't call it unpleasant, just somewhat uncomfortable at times. If you have good ties with the community, people get used to you even though they may often bring up your "wealth".

I know some expats here in Bali who hide themselves away because of this issue and it's probably the worst thing you can do because, like in most small places, people gossip and if you're perceived as standoffish, when you need some help, you'll be hardpressed to find it.
 
Canada

Billman,
Canada does not give residence visas. If they did, you'd have a lot of people living there. Canada used to give retirement visas years ago. The only way to live there long term is to migrate there and show that you have a skill of use to Canada. I've asked at immigration, and at 61, it's a bit too old to be getting work visa to migrate. I'm happy to be living there for the warmer months NOT working.

As for the health coverage, I have a great policy now, and in 4 more years I'll get Medicare. I'm fine with that.

Cheers,
Rob
 
Move to Canada info

Hello again, Rob and everyone. I hope someone who has actually moved to Canada from US can join us and give us some real life experience. For me - I do have dual citizenship, but have been in the US for a long time now - visiting family and vacationing there at least annually. I'm wondering about the tax situation too - I think if you move there to work, there is a reciprocity agreement between the two gov'ts that taxes are paid where one works, but you must still annually file a US tax return. However, if you don't 'earn' a living, but live off of SS or portfolio - that's where its cloudy and maybe where the CDN gov't changed...so that they tax that now as well as US taxing unearned income - without a reciprocity agreement. As far as medical...probably I could qualify for Canada's medical system, but I do have a medical plan that pays for care outside of US. If one is on medicare...don't think they do. That will be a few years for us...when it will become our secondary insurance. Its all very complicated and my DH is still working....so haven't gotten serious enough over this to hire a laywer or immigration specialist. Hoping someone with true life experience with this (and there are lots of US citizens retired in Canada) who could shed some light on this. Love this discussion! PS - my choice of location is in British Columbia.
 
What I hear about living in Canada

Hi again-
All I know is I've called immigration and a couple tax lawyers in Canada, and this is what they tell me. I can stay in Canada up to 6 months/year as a tourist and not pay taxes. I have close friends, almost family, where I can stay. Of course, if you are citizen of Canada and own property, I'm not sure. My plan is to enjoy the very beautiful countryside of Canada for 6 months out of the year, and spend the other 6 months either in my soon to be purchased condo in Texas, where I can teach part-time, or teach overseas for short periods of time.

I think my situation is unique, because the housing is with friends in Canada. However, I'm not a very cold weather person and want that option of spending at least part of the year in good old San Antonio, Texas.

Regards,
Rob
 
Rob,

If you have a skill in demand (e.g., chemical or mechanical engineering in particular, but there are others) you can get a work permit for Canada. The trick is getting the job offer first, but not too hard in Alberta.

By the way, I am 60 and have been working in Canada for several years as an engineer on a work permit. Considering getting a Permanent Residency, but I don't think I would retire here. The winters are strong, but I like them. The health care available here is, in my opinion, marginal and patchy. Taxes are a bit high, too.
 
I can stay in Canada up to 6 months/year as a tourist and not pay taxes.
I stay in Mexico for 6 months. In the past 4 years of retirement, I have paid 4.25% of my income in taxes in Canada. Being retired is one way to avoid taxes there.
 
gosh yeah. I agree with bpp3. At least Italy seems much safer.

Italy is suppose to offer retirement visas if you can demonstrate retirement income.

But if your retirement income is in US accounts, you'd pay taxes both to the US and to Italy?

And no guarantee of health care coverage in Italy?


IFI sounds good but is it 100% coverage after the deductible? The $1.8 annual coverage is interesting. A lot of US insurance plans have a lifetime cap of $1-2 million. One major illness can eat up that cap.


One country not discussed in this thread is the UK, which reportedly doesn't tax foreign sources of income? So you have a lot of Russians and Arabs living in London?

Of course, the expensive cost of living in London makes it unsuitable for a lot of retirees.
 
Back
Top Bottom