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Is Bali a good place to retire?

I think it can be, depends what you compare it to. I would say Thailand and Malaysia have an easier set up for retirees. Here is a run down of some good retirement places, the positives and negatives and also what is required:Thailand:Thailand now has a huge retirement population. Hot weather, good food, and great beaches make life here easy for many., Bangkok, Hua Hin, Chiang Mai, Chang Rai and Phuket are all popular expat destinations.Medical facilities in Thailand are world-class, so much that Thailand is now a health tourism location. With world-class facilities offering heart bypasses from $10,000, you can see why.Expats coming from the UK and Europe are better off still getting expat insurance though, and for the over 65s, this will cost at least $200-$300 a month, so is a substantial extra cost compared to being in the UK or Spain. If you have pre-existing conditions, moreover, you may not get insured.To get a retirement visa, there are some financial requirements. You need to have a bank account with THB 800,000 (about $25,000) and double that (close to $50,000) for a couple, or a monthly income of THB 65,000 (around $2,000 a month), or a combination of a bank account and income that exceeds THB 800,000.After meeting this requirement, you must then obtain a one-year retirement visa. To get this you must be 50, have a Thai bank book and a letter from your bank in Thailand. Also, you will need to provide pictures, a passport and departure cards.You will also need to get an `extension of stay’ notice and a re-entry permit. This will allow you to re-enter the country if you leave it. Finally, you must report to immigration every 90 days to check in and verify the address you are living in. If you have ever been deported from Thailand or had any criminal history, you may not get the visa.For people under 50 who are financially independent and retired, you will need to find another solution. One is to enroll on a Thai language course or another education course. Spend a limited amount of money, and get a student visa. In 2017, a `digital nomad visa` was introduced. Called a Smart Visa, it is designed for business people.They have currently limited the applicants to startup business owners, investors, high-level executives, or other highly-skilled professionals. Visa rules are always changing, but if you have a decent budget and you are under 50, you should be able to get a visa. Spending 2-3 months a year in Thailand on a tourist visa if you live elsewhere in SE Asia, is very easy.One of the biggest mistakes I have seen in Thailand is underestimating costs. Many Thais live off $1,000 a month or less, and you can too. But this doesn’t include luxuries. To travel a bit domestically and internationally, sometimes eat out, get insured and so on will cost you between $1,500-$2,500 depending on your tastes and expectations. A luxury retirement with maids and a big house may cost at least $4,000-$5,000 a month.IndonesiaI lived in Jakarta in 2013-2014. Indonesia does attract expats as it is the biggest economy in South East Asia. Jakarta is an expat destination but not a retirement destination. It has some of the worst traffic I have seen, prices are high (especially for alcohol) and it is a business city.Bali and some other beach resorts, in comparison, are laid back and cheaper. You can live in Bali in a villa and enjoy a luxury lifestyle of spas and massages, all for $2000. A more modest lifestyle can be had for $1,000-$1,500.What did surprise me about Indonesia was how strict immigration could be. I found Indonesians some of the friendliest people I have met, but immigration at the airport was an exception. It was curious for me, as for most foreigners from high-income countries, why would they go to Indonesia on a tourist visa to take money from the non-existence Indonesian welfare system?Based on that experience, it shouldn’t come as a surprise that there are numerous requirements to retire in Indonesia. In Indonesia, the age in which you can get a retirement visa is 55, five years older than Thailand. The other requirements include:• Possess a passport or travel documents with more than 18 months remaining validity• Copy of all passport pages• A copy of your resume• A copy of your marriage certificate, if you are married• Proof of $18,000 per year of income. This will come from statements from your bank or investment funds. Married retired couples must both prove an individual income of $1500/month and apply separately.• Proof of medical/health Insurance, life insurance, and third-party personal liability insurance in a country of origin or Indonesia• Statement of living accommodation in Indonesia. The minimum cost of US$35,000 if purchased house/apartment or, a minimum rental cost of US$500/month in Jakarta, Bandung, and Bali; US$300/month for other cities in Java Island, Batam, and Medan, and other cities a minimum US$ 200/month.• Statement to declare intent to employ an Indonesian maid and driver while living in Indonesia• Payment of Immigration Fee based on effective regulations• You must sign a lease for housing with a minimum one year period. Alternately you can supply proof that you own a house under an Indonesian spouse's name.CambodiaCambodia is an off-the-beaten-track location but is up and coming. People are friendly, it is cheap, growing fast and has an easy visa system. Retirees can come to the airport and get a business visa on arrival, and then renew for up to 2 years at a time. Kep and Kampot, moreover, are more relaxed than Phnom Penh or Siem Reap.Having lived in 5 countries, visited 35 and visited more than 200 cities, I haven’t seen a place as good value as Phnom Penh for some things. Not cheap, but good value. Basic goods like water are more expensive than China or Thailand, but you can go to an excellent French or other international restaurants for lunch for $10. And that is for three courses! A traditional Khmer massage can cost you $6-$7 including a tip.Sihanoukville has a sleazy reputation, but like Pattaya, has been trying to change its image. Some of the beaches are beautiful. It doesn’t have the same amenities as Phnom Penh or Siem Reap, but it does offer a more relaxed lifestyle.MalaysiaOne of the big positives about Malaysia is that they do have a specific retiree scheme. Started in 1997, it has become popular in particular amongst British retirees, which is unsurprising, given that Malaysia is a former UK colony. That fact means that over 90% of Malaysians speak fluent English. Coupled with the golf courses, natural scenery, and excellent climate, this puts Malaysia high on an expat retirees list.Under the My Malaysia Second Home Program, expats pay a one-off fee of $3,000. The program then helps expats get a ten-year visa and also helps with housing. Like Indonesia, the capital city is more expensive, but the traffic situation is much better. Outside the capital, expat retirees can buy a house for $75,000-$150,000.Penang is a good destination for retirement. Cheaper and more laid back than Kuala Lumpur, with a good climate and the same excellent food, it offers retirees a great standard of living.VietnamVietnam doesn’t have as easy visa situation as Cambodia or Malaysia for retirees. But Vietnam is currently in the `sweet spot` of development in HCMC, the most developed city in Vietnam. It is still cheap, but it is developed enough to offer extra conveniences compared to Cambodia, such as readily available taxis and cheaper consumer goods due to economies of scale and other issues.Even though Vietnam doesn’t currently offer retirement visas, it is relatively easy to stay on tourist and business visas long term. Another negative about Vietnam is like Cambodia; excellent health care can only be found in bigger cities such as Ho Chi Minh. Thailand offers world-class healthcare these days, and health tourism has been their reward. If you get sick or need certain medicines, Vietnam isn’t the best option, even if you get expat medical insurance.According to International Living (https://internationalliving.com/the-best-places-to-retire/), Vietnam comes way down the list when considering a good place to retire., I would say most expats (both retirees and working-age individuals) seem happy in Cambodia and Vietnam if they can get used to the way of living.Spain, Portugal, and GreeceSpain is arguably the `original` retiree destination for British, Dutch, Germany and Scandinavian expats. With cheap or subsidized healthcare if you are from the EU (at least for British people until March 2019!), Spain can compete on cost with Thailand and Cambodia once you factor in this benefit.With relatively good costs in some parts of the country, excellent climate and proximity to other European countries, Spain, Greece, and Portugal will continue to be popular expat destinations.In Portugal, retirees outside the EU usually hold Type I visas. That visa requires people to show proof of private health insurance valid in Europe, as well as proof of sufficient funds to support living and a criminal background check. After five years’ residence in Portugal, retirees can apply for a permanent residence visa, with associated health care benefits.Portugal has a great reputation of having friendly locals, an easy-going lifestyle, and ease of opening bank accounts. Against that, driving is supposed to be dangerous and Portuguese is a more difficult language to learn for many expats compared to Spanish and French, but that will depend on your native language.BulgariaAlso in the EU, but certainly not a traditional retirement destination, Bulgaria is an up-and-coming retirement destination. With houses from $55,000, cheap costs and an ever increasing expat community, Bulgaria’s expat community is likely to continue to grow. Similar to Cambodia within Europe, in some ways.One of the advantages of Bulgaria is it is in the EU, so expats from other EU countries don’t require visas. Non-EU citizens who are retired in their home country can apply for a Bulgarian Pensioner D visa and temporary residence permit. Documents submitted to the embassy will include:Documents showing you are entitled to a retirement income, legalized with a notary public.Document from a bank in Bulgaria ascertaining that the application has a valid bank account in Bulgaria, where regular transfers can be madeEvidence of address in BulgariaMedical insuranceMexico/Dominican Republic/Panama/Costa Rica :For Americans and Canadians, Mexico and the Dominican Republic are good destinations. The visa situation is very favorable in the Dominican Republic, with even over stayers fined a relatively small amount of money.Mexico has an easy-going lifestyle, but many people are worried about safety. Most of the crimes are committed by people who know each other, such as gang members, so retirees aren’t usually targeted.For Americans all over the world, getting expat insurance will be cheaper than back home. From experience, most Americans are happier with the overseas insurance situation compared to Europeans. For British people who have grown up in a system where healthcare is free at the point of use, people can feel it is an extra cost.One of the advantages of retiring in Panama is that you only need to prove funds of $600 a month. That doesn’t mean that it is recommended that you can only live on $600 a month in Panama, but it does show the rules are less strict than elsewhere.Regarding safety and proximity, Costa Rica ticks many boxes. It has been a retirement destination for Canadians and Americans for 30+ years now for this reason, and many other factors.Hong Kong, Singapore, South Korea and JapanCash-conscious expats won’t want to retire in Hong Kong or Singapore, but some do. Millions of expats have worked in these cities, and if you have the income, there are significant benefits of living in these two places.English is widely spoken, and medical care is amongst the best in the world. If you have become a permanent residence in Hong Kong, which you can if you live in the city for more than 7 years, moreover, the costs of healthcare are low. Visas are also easy for Americans, British and many other expats. You can get a six-month tourist visa on arrival, with no fee.Singapore also makes tourist visas easy, but there is no retirement visa. You can get a permanent residency visa in Singapore, but that requires investment. Often it means investing $750,000 or more in the local economy unless you have worked in Singapore for years before retirement.Singapore and Hong Kong are also great gateways to other Asian countries. The bottom line is they are great places to live and even retire, but you need the income. If you don’t have that, Malaysia (and Thailand to a certain extent) is the closest thing to the developed world, at much lower prices.South Korea and Japan have a similar visa situation, and they also don’t have any retirement visas. They aren’t retirement destinations unless somebody has lived in those countries as an expat, or have a personal reason to live there.On a personal note, if I were going to retire or be a digital nomad, I would visit more places first. I have spent time in Kuala Lumpur and HCMC in Vietnam, but never in some of the smaller, more laid-back cities.

How do illegal immigrants get paid jobs with all the laws preventing them from doing so?

There are actually 3 different ways illegal immigrants get paying jobs in the United States. I own a janitorial company in Texas. We are well versed on the tactics and have been on the receiving end too many times.The first and least popular way is false documents. The driver’s license is usually real. Just about anyone can get one. They will use a fake or stolen social security number. It’s just a matter of months before the IRS will send a letter informing you of a name/number mismatch. I had to fire a Mexican woman last year for fake documents. A shame. She was a great cleaner. We never figured out what her real name was.The second and more common way is employers who are willing to break the law to enrich their bottom line. These are employers who knowingly hire or retain illegals and find creative ways to pay them. This usually involves what we refer to as a two-fer. Hire one legal, up his pay, and get one or more illegals free. They can also be paid as independent contractors or their salaries are expensed to some other legitimate expense like lawn care.The third and most common way is contracting. Anyone can go to our courthouse with a driver’s license and $10 and get an assumed name certificate or dba. Instantly this person is no longer an illegal. They are now a legitimate business. Most banks won’t open accounts without a valid social. No problem. There are dozens of local check cashing stores that will cash almost anything for a small fee. They will keep a copy of “business owner’s” assumed name and driver’s license on file.My roofer recently got deported. His lead man told me he was doing work in Arizona. When he got back about 2 weeks later he told me he got deported but not to worry, he was back now. Some misunderstanding with his documents. I was kinda shocked. This guy has several crews, new trucks, and trailers. He does great work and they are really fast. His prices are lower than any of the other roofing companies. He makes a ton of money! Despite the fact that he would love to contribute to our Federal Tax system, he can’t. No valid SSN. Imagine having a company with zero tax burden. No income tax, no FICA, no FUTA, no employer matching, and no business personal property tax. Not to mention no liability insurance or workers comp. That would be why he is 30% cheaper than most of the other roofers. I wonder how many others like him are doing the same thing. I wonder how many legitimate contractors have gone out of business because they can’t compete with illegal contractors.We are facing the same problem in the janitorial business. Illegal contractors and contractors who exploit illegals have driven the bid prices down to the point that we have trouble covering just the labor on some accounts. We only survive on pure volume. Some of our customers haven’t seen a price increase in 10 years!Despite the fact that illegals destroy local businesses by subverting the system they do more harm to the country as a whole. They receive benefits from the system but pay nothing into it. Free healthcare, public schools, housing assistance, and food stamps. With no reportable income, they are considered indigent and deserving of assistance. The financial burden is tremendous.I know an illegal couple who have lived here for over 20 years. He’s a contractor. No problem. She has a real job working for a company. She’s been there almost 20 years. She has a valid SSN from an expired work visa. For some reason no one has caught it. They own a home and pay taxes. Well, at least she does. They live in constant fear of being found out and getting deported. They know they are breaking the law.Finding work as an illegal has never been a problem. The problem is the abundant availability of employment for illegals. If no one hired them, illegal immigration would not be a problem. They come to the United States for work and a better life style than what is available in their home country.Edit 12–14–2018:“Using the ITIN number, they can get some key benefits as well fulfill the core taxation purpose. But they can neither work nor do activities using the ITIN number like SSN and EIN number holders can do. This is not the legal proof of identity. Also, this is sometimes given to the residents who did not get their SSN number.” Can Illegal Immigrants Get a Tax ID NumberIn Texas the only construction trades requiring a license are Plumber, Electrician, and HVAC Contractor. There are a couple of sidelines like Irrigator, but the common trades don’t require a license. Even General Contractors don’t need a license. There is no license for Roofer, Texas Department of Licensing and RegulationAccording to NPR only 22.7 % of the total taxes people pay are are non-federal. Most of that comes from property taxes. Sales tax and property taxes only benefit the city and state. County hospitals and public schools are subsidized by the federal government. Adding It Up: How Much Tax Does A Taxpayer Pay?Laws only work when enforced. Our system is ineffective at determining immigration status for those applying for benefits. Immigration Status Verification for Benefits: Actions Needed to Improve Effectiveness and Oversight

What is the best place to live in after retirement?

Here are some options:Thailand:Thailand now has a huge retirement population. Hot weather, good food and great beaches make life here easy for many., Bangkok, Hua Hin, Chiang Mai, Chang Rai and Phuket are all popular expat destinations.Medical facilities in Thailand are world-class, so much that Thailand is now a health tourism location. With world-class facilities offering heart bypass’ from $10,000, you can see why.Expats coming from the UK and Europe are better off still getting expat insurance though, and for the over 65s, this will cost at least $200-$300 a month, so is a substantial extra cost compared to being in the UK or Spain. If you have pre-existing conditions, moreover, you may not get insured.To get a retirement visa, there are some financial requirements. You need to have a bank account with THB 800,000 (about $25,000) and double that (close to $50,000) for a couple, or a monthly income of THB 65,000 (around $2,000 a month), or a combination of a bank account and income that exceeds THB 800,000.After meeting this requirement, you must then obtain a one-year retirement visa. To get this you must be 50, have a Thai bank book and a letter from your bank in Thailand. In addition, you will need to provide pictures, a passport and departure cards.You will also need to get an `extension of stay’ notice and a re-entry permit. This will allow you to re-enter the country if you leave it. Finally, you must report to immigration every 90 days to check in and verify the address you are living in. If you have ever been deported from Thailand or had any sort of criminal history you may not get the visa.For people under 50 who are financial independent and retired, you will need to find another solution. One is to enroll on a Thai language course or another education course. Spend a limited amount of money, and get a student visa. In 2017, a `digital nomad visa` was introduced. Called a Smart Visa, it is designed for business people.They have currently limited the applicants to startup business owners, investors, high-level executives, or other highly-skilled professionals. Visa rules are always changing, but if you have a decent budget and you are under 50, you should be able to get a visa. Spending 2-3 months a year in Thailand on a tourist visa if you live elsewhere in SE Asia, is very easy.One of the biggest mistakes I have seen in Thailand is underestimating costs. Many Thais live off $1,000 a month or less, and you can too. But this doesn’t include luxuries. To travel a bit domestically and internationally, sometimes eat out, get insured and so on will cost you between $1,500-$2,500 depending on your tastes and expectations. A luxury retirement with maids and big house, may cost at least $4,000-$5,000 a month.IndonesiaI lived in Jakarta in 2013-2014. Indonesia does attract expats as it is the biggest economy in South East Asia. Jakarta is an expat destination but not a retirement destination. It has some of the worst traffic I have seen, prices are expensive (especially for alcohol) and it is a business city.Bali and some other beach resorts, in comparison, are laid back and cheaper. You can live in Bali in a villa and enjoy a luxury lifestyle of spas and massages, all for $2000. A more modest lifestyle can be had for $1,000-$1,500.What did surprise me about Indonesia was how strict immigration can be. I found Indonesians some of the friendliest people I have met, but immigration at the airport were an exception. It was curious for me, as for most foreigners from high-income countries, why would they go to Indonesia on a tourist visa to take money from the non-existence Indonesian welfare system?Based on that experience, it shouldn’t come as a surprise that there are numerous requirements to retire in Indonesia. In Indonesia, the age in which you can get a retirement visa is 55, 5 years older than Thailand. The other requirements include:• Possess a passport or travel documents with more than 18 months remaining validity• Copy of all passport pages• A copy of your resume• A copy of your marriage certificate, if you are married• Proof of $18,000 per year of income. This will come from statements from your bank or investment funds. Married retired couples must both prove an individual income of $1500/month and apply separately.• Proof of medical/health Insurance, life insurance, and third-party personal liability insurance in country of origin or Indonesia• Statement of living accommodation in Indonesia. Minimum cost of US$35,000 if purchased house/apartment or, a minimum rental cost of US$500/month in Jakarta, Bandung, and Bali; US$300/month for other cities in Java Island, Batam, and Medan, and other cities a minimum US$ 200/month.• Statement to declare intent to employ an Indonesian maid and/or driver whilst living in Indonesia• Payment of Immigration Fee based on effective regulations• You must sign a lease for housing with a minimum one year period. Alternately you can supply proof that you own a house under an Indonesian spouse's name.CambodiaCambodia is an off-the-beaten-track location, but is up and coming. People are friendly, it is cheap, growing fast and has an easy visa system. Retirees can come to the airport and get a business visa on arrival, and then renew for up to 2 years a time. Kep and Kampot, moreover, are more relaxed than Phnom Penh or Siem Reap.Having lived in 5 countries, visited 35 and visited more than 200 cities, I haven’t seen a place as good value as Phnom Penh for some things. Not cheap, but good value. Basic goods like water are more expensive than China or Thailand, but you can go to an excellent French or other international restaurant for lunch for $10. And that is for three courses! A traditional Khmer massage can cost you $6-$7 including a tip.Sihanoukville has a sleazy reputation, but like Pattaya, has been trying to change its image. Some of the beaches are beautiful. It doesn’t have the same amenities as Phnom Penh or Siem Reap, but it does offer a more relaxed lifestyle.MalaysiaOne of the big positives about Malaysia is that they do have a specific retiree scheme. Started in 1997, it has become popular in particular amongst British retirees, which is unsurprising, given that Malaysia is a former UK colony. That fact means that over 90% of Malaysians speak fluent English. Coupled with the golf courses, natural scenery and excellent climate, this puts Malaysia high on an expat retirees list.Under the My Malaysia Second Home Program, expats pay a one off fee of $3,000. The program then helps expats get a 10 year visa, and also helps with housing. Like Indonesia, the capital city is more expensive, but the traffic situation is much better. Outside the capital, expat retirees can buy a house for $75,000-$150,000.Penang is a good destination for retirement. Cheaper and more laid back than Kuala Lumpur, with a good climate and the same excellent food, it offers retirees a great standard of living.VietnamVietnam doesn’t have as easy visa situation as Cambodia or Malaysia for retirees. But Vietnam is currently in the `sweet spot` of development in HCMC, the most developed city in Vietnam. It is still cheap, but it is developed enough to offer extra conveniences compared to Cambodia, such as readily available taxis and cheaper consumer goods due to economies of scale and other issues.Even though Vietnam doesn’t currently offer retirement visas, it is relatively easy to stay on tourist and business visas long term. Another negative about Vietnam, is like Cambodia, excellent healthcare can only be found in bigger cities such as Ho Chi Minh. Thailand offers world-class healthcare these days, and health tourism has been their reward. If you get sick or need certain medicines, Vietnam isn’t the best option, even if you get expat medical insurance.According to International Living (https://internationalliving.com/...), Vietnam comes way down the list when considering a good place to retire. Having said that, I would say most expats (both retirees and working age individuals) seem happy in Cambodia and Vietnam, if they can get used to the way of living.Spain, Portugal and GreeceSpain is arguably the `original` retiree destination for British, Dutch, Germany and Scandinavian expats. With cheap or subsidized healthcare if you are from the EU (at least for British people until March 2019!), Spain can actually compete on cost with Thailand and Cambodia once you factor in this benefit.With relatively good costs in some parts of the country, excellent climate and proximity to other European countries, Spain, Greece and Portugal will continue to be popular expat destinations.In Portugal, retirees outside the EU usually hold Type I visas. That visa requires people to show proof of private health insurance valid in Europe, as well as proof of sufficient funds to support living and a criminal background check. After five years’ residence in Portugal, retirees can apply for a permanent residence visa, with associated healthcare benefits.Portugal has a great reputation of having friendly locals, an easy-going lifestyle and ease of opening bank accounts. Against that, driving is supposed to be dangerous and Portuguese is a more difficult language to learn for many expats compared to Spanish and French, but that will depend on your native language.BulgariaAlso in the EU, but certainly not a traditional retirement destination, Bulgaria is an up-and-coming retirement destination. With houses from $55,000, cheap costs and an ever increasing expat community, Bulgaria’s expat community is likely to continue to grow. Similar to Cambodia within Europe, in some ways.One of the advantages of Bulgaria is it is in the EU, so expats from other EU countries don’t require visas. Non-EU citizens who are retired in their home country can apply for a Bulgarian Pensioner D visa and temporary residence permit. Documents submitted to the embassy will include:Documents showing you are entitled to a retirement income, legalized with a notary public.Document from a bank in Bulgaria ascertaining that the application has a valid bank account in Bulgaria, where regular transfers can be madeEvidence of address in BulgariaMedical insuranceMexico/Dominican Republic/Panama/Costa Rica :For Americans and Canadians, Mexico and the Dominican Republic are good destinations. The visa situation is very favorable in Dominican Republic, with even overstayers fined a relatively small amount of money.Mexico has an easy-going lifestyle, but many people are worried about safety. Most of the crimes are committed by people who know each other, such as gang members, so retirees aren’t usually targeted.For Americans all over the world, getting expat insurance will be cheaper than back home. From experience, most Americans are happier with the overseas insurance situation compared to Europeans. For British people who have grown up in a system where healthcare is free at the point of use, people can feel it is an extra cost.One of the advantages of retiring in Panama is that you only need to prove funds of $600 a month. That doesn’t mean that it is recommended that you can only live on $600 a month in Panama, but it does show the rules are less strict than elsewhere.In terms of safety and proximity, Costa Rica ticks many boxes. It has been a retirement destination for Canadians and Americans for 30+ years now for this reason, and many other factors.Before going out consider all the emotional, financial and social consequences. One thing is I would avoid (for the most part) getting expat mortgages - How to get international or expat mortgageSome reading:How to Retire in Thailand: Considerations and RequirementsIs getting wealthy easy?Fed up with 0% interest rates.6 Steps to Financial Freedom

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