Well, folks, money management class is closed for The Experimental Expats. Like a Nate Silver poll of the 2016 presidential election, it appears I drastically misread my readers and got it horribly wrong. Based on the response from an old post discussing investments and the importance of a diversified portfolio, I mistakenly thought now would be a great time to share some insight about the recent market volatility, our progress after four years retired and why you should ignore all the “sky is falling” stories in the financial press. But based on an almost total lack of interest in the post and virtually no comments or replies, I guess the financial and money management stuff is best left to other bloggers.
Admittedly, I’m a tad disappointed because I put more effort into it than almost any given day in my last job. Thinking it was too long and complicated, I hereby officially anoint my latest post about expat financesa failure and apologize to anyone that was nice enough to give it a read. Using most of the post as background information to explain why our situation is different than many early retirees and what led to our risky decision to forego work, I planned on a follow up to discuss our budget and share some of my rather simple spreadsheets. Ironically, I stumbled onto an article from Business Insider yesterday about8 people who retired early and how the decision changed their money habits.
Naturally, they’re all millennials that found a way to achieve “financial independence” at a ridiculously young age and they don’t really explain anything about how much they have, how they intend to fund the next 50 or 60 years (some have kids) or how they travel the world with a total net worth of nothing. Some are professionals that probably thought real work was too hard. Most write for-profit blogs which means they live day to day and hope the“online income” field will carry them into the latter part of this century. Clearly not my idea of being “retired”, I wish them all well but wouldn’t trade my diversified portfolio and the security that comes with it anytime. So like a fitness class scheduled at a bad time, part two of my financial post is canceled due to lack of interest. But please don’t go away yet; I heard you all loud and clear and will now return to my regularly scheduled programming.
Oops; I did it again. Having finally conquered the horrible new WordPress Editor, I found myself reinvigorated and ready to share stories of our experimental early retirement once again. Launching into a series of recaps of our Great Smoke Season Escape Tour 2019 that included a trip to the powerfully compelling War Remnants Museum in Saigonand a lesson in ruralrice farming with water buffalos, my writing ambition hit full gear. Then a 90-day blast of Saudi Arabian-like sweltering heat came to Northern Thailand. Understanding much of the world now suffers through historically unprecedented heatwaves in the summer months thanks to climate change, I’m not expecting much sympathy.
But it took us long enough to acclimate to 30 degrees Celsius and anything much higher than that is too hot for my comfort zone. And despite the declaration of an “official end” of the hot season according to the geniuses at the Thai Meteorological Division, almost no rain fell in Chiang Mai for three months, drought conditions prevailed and temperatures hovered in the mid to upper 30s every day. That’s over 100 for my Metrically challenged readers. Happily, the rain fell for two straight days now and at 30, (86 Farhenheit), the temperature’s almost Arctic-like by Thai standards. And then I noticed that on top of making the world’s worst business decision with the block editor, the folks at WordPress also increased my annual subscription by no longer including the domain name as part of my not so “premium” subscription. Full disclosure; I’ve spent most of the last month planning a 20th anniversary trip to Italy and having learned my lesson in Vietnam about getting lazy and using the guided tour option, I decided it’s both fun and rewarding planning everything yourself the old fashioned way. So once again, please pardon the interruption between posts.
Well, that got your attention, didn’t it? Despite having a military junta control its elections, parliament, and constitution, Thailand remains devoid of any big beautiful Trumpwalls. Granted, nobody living here finds much to celebrate about the Thai Government, especially when the topic of immigration comes up, but at least the nation’s not run by a narcissistic ignorant toddler who spends his days detaining despondent Burmese women at the border and separating them from their children. Possibly the world leader when it comes to the number of expats, dropouts, retirees and illegal foreigners, Thailand’s immigration system is a revolving door of endless paperwork, passport stamps, and reporting. While not exactly campaigning on a policy of stereotyping immigrants as “sending us their worst”, there’s been a recent slew of significant changes clearly designed to send as many westerners packing as possible without coming out and saying so.
Returning from hiatus a few posts ago, I mentioned that The Experimental Expats are leaving Thailand next year for Mexico. Between a burning season that’s now turned into a three-month poisonous air fiasco and climate change that’s extended “hot season” into a five-month version of Las Vegas in summer with crappier skies, the change in immigration policy for folks who “extend their visa based on retirement” was the final straw. (more on what that means later). But what changed and for that matter, who the hell really understands Thai immigration rules anyway? Here’s a hint; Not the folks at Thai Immigration. While most educated Thai people (and even most working class folks) apparently want a representative government, the military junta runs the show which means policy decisions are made by whoever has power on any given day.
Rarely discussing the ramifications of implementing said policy change, the appropriate agencies responsible for day to day operations of whatever (in this case, immigration) are usually left in the dark. Citing an example, here’s an article telling us all how the Thai Immigration Department had no clue about the major shift in policy days after it was announced. And with over 90 provinces all operating independently of one another in terms of enforcement, the Thai Immigration system often runs a smoothly as one of Trump’s tremendous summits with totalitarian dictators. (Pre-click warning: Posts about Thai Immigration are always lengthy).
Spending millions of marketing dollars on ways to relax, unwind and spend more quality time with loved ones, corporate America often implies we’d be happier if we only had more free time. As one who’s now spent almost 24 hours of every day with their spouse since our Experimental Early Overseas Retirement, allow me to clarify things. Having been plunged into our situation thanks to my unexpected layoff, one of the first things you’ll learn is too much “quality time” together often leads to bickering. After four years, neither of us has embarked on a new career, pursued higher education, started a business or even had an epitome of “the next great thing”. While that’s not really bothered us because it’s allowed us to travel, cook fresh meals, spend time with friends and stay fit through walking, swimming, and the gym, it inevitably leads to the occasional argument.
While we love being together, our personalities are quite different and this often leads to clashes. For instance, I get irked about stupid shit in developing nations like incompetence in retail supermarket inventory and supply chains. Often asked about what’s different in Asia compared to North America, I respond by talking about bread. Considering how many choices are in North America from 12 grain to dark rye and dozens of artisan varieties, I often get frustrated how hard it is to find a good loaf of bread in Thailand. (Or Malaysia). Before being ripped by the non-North American expat crowd, let me explain something. It’s not that there’s no bread here; Europeans eat lots of bread. And to me it all sucks. Dry, hard and almost always tasteless compared to a delicious ciabatta, fresh hot loaf of San Francisco sourdough or a classic New York Italian hero bread, all the bread in Chiang Mai the expats rave about is about as appetizing to me as a piece of Hardfiskur (with apologies to Icelanders that enjoy dry salted fish).
With my blog hiatus over, you may recall I mentioned three major issues in the lives of The Experimental Expats that ended my writer’s block. Mentioning we’d be leaving Thailand next year for our third destination since the experimental overseas early retirement began, I spoke about a significant announcement from the Thai Immigration Bureau. Initially only affecting citizens of several countries who use“income affidavits”to extend their visas on the basis of retirement (Thai speak for what normal nations call retirement visas), I promised I’d write more about the changes in upcoming posts and had every intention of doing so today. But then I realized that Thailand has the world’s most retarded, tedious and ass-backward system of immigration known to mankind and writing about the rules usually ends up turning into a 2,000 word diatribe that the average reader couldn’t stay focused on if the Royal Family themselves was writing it.
Mind you, diminishing the importance of the changes isn’t my intent either because while I try to maintain a lighthearted but brutally honest storytelling style and leave the technical stuff to the experts, I’d be remiss by not at least letting you know what’s going on. So let’s approach this from a different angle where I’ll explain the immigration crap later. First, let’s talk about moving from Southeast Asia. Leaving Thailand, and, in fact, Asia itself, is a very bittersweet topic for both of us. Despite being 26 flight hours away and requiring three separate airplanes to get back to North America, Thailand provides a unique combination of security, entertainment, and financial advantages you simply can’t get in other countries.
Well, that’s a fair enough question. What the hell ever happened to The Experimental Expats? Realizing it’s been almost a year since sharing anything other than Facebook rants and complaints about Trumpland USA with a few non American friends, I’ve decided to come back and answer that question. But first, my middle age rant about technology and how much I hate it. Having spent a large part of my scathingly longHouse Husband Days learning how to create, fashion and keep a WordPress blog updated, wouldn’t you know those bastards had the audacity to create an updated editor? Shuddering, panicking and almost running back into the unusually brutal Northern Thailand heat (more on that later), I decided to give “Block Editing” a shot. After discovering a fluke in my site that the Happiness Engineers first denied, then admitted needed to be turned over to the developers, I spent two days self tutoring so here I am again and to any millennials who think my posting is old and archaic for lack of fancy code, Jetpack shit or anything else besides actual words; Too Bad.
Feeling like we fell into a mode of real complacency after our trip back to North America, the hiatus felt necessary. Realistically, our lives as middle-aged early retirees living overseas aren’t great fodder for a digital world with two-minute attention spans. We don’t have “second careers”, haven’t gone back to school, opened a business or learned a new language (OK, we speak “nit noy“ Thai). Not yet finding “the next great thing”, we don’t even have Instagram accounts. Living here in Chiang Mai among the worlds’ biggest group of obnoxious expats anywhere on social media and the “digital gonads” who know everything about every topic, it seemed reasonable to take a long blog vacation until something worth writing about came along. Realizing that time is here now, I’ll share three significant things relevant to our little blog. I’ll cover one of the three issues in this post and come back to the other two later.
Thailand’s Immigration Department made significant changes to the rules for extending visas based on retirement.
The “burning season” which is a long period in the dry season that local farmers across Northern Thailand burn their fields has now turned into an environmental disaster so serious it requires more than the 47 days we escaped this year to avoid inhaling seriously dangerous particulates.
As a result of the above two issues, we’ve decided five years in Southeast Asia will be enough and we’re leaving Thailand for greener pastures in Mexico next summer.
So now that we’re back from our long North American jaunt where we pigged out like there was no tomorrow, let’s address the foodie thing from an expat’s point of view. Promising I’d try to avoid mindlessly posting uninhibited pictures of everyone’s favorite internet topic (food), I wrestled on how to highlight all the great things we ate and still stay on topic. Noticing that Skip the Dishes is the latest craze in Canada and the USA, it seems that today’s lazy millennial generation need not even step foot outside, never mind picking up a kitchen utensil to cook anything. With everything from McDonalds to gourmet five course dinners available at the touch of a smart phone, it’s no different here in Asia with one big exception. Often compromising taste, quality and style, eating “western style food” in Southeast Asia means tempering one’s expectations.
New York: Food heaven
Avoiding a third version of That Dreaded Foodie Post, I thought I’d combine a gastronomical recap of our trip with a look at the differences between Asian and North American versions of foods that many westerners grew up with. Sharing experiences of my reunion with foods I know and love by matching them up side by side with their Thai counterparts, think of this post as a comparative food primer for wannabe expats. Believing that exploring local foods is one the best things about experiencing another culture, we avoided reading about an ongoing “best burger in Chiang Mai” debate on Facebook’s Chiang Mai Eatsgroup and tried to delve first hand into “real Thai food”. And although we kind of knew this, it’s worth reiterating that almost everything you think is authentic anything usually lands somewhere far removed from what’s enjoyed by most locals. With abundant European expats here in Chiang Mai, western food often gravitates towards a very non-North Americanized style so let’s dive right in and call this a Cautionary Food Tale for North Americans pondering a move to Thailand. Focusing on Italian food first, I’ll make this a multi part post.
Wondering why retired people with no job waiting for them back home would experience jet leg, let me go on record and dispel a myth. Despite not having any schedule other than deciding what and when to eat, sleep and leave the house, our body’s natural rhythm known as “the body clock”doesn’t care nor understand you were laid off almost five years agoand chose an experimental overseas early retirement. Having returned from our excruciatingly long North American jaunt that totaled just over 34 hours and landed us in our living room just under two full days after leaving, I learned that losing an entire day due to time differences and trans-continental flights catches up to you no matter how much you sleep on the planes. Attempting a return to my rather “anal”routine, it took until the third morning until I finally felt rested. Which leads me into my segment on our choice to spend almost a thousand extra bucks for “premium economy”. Throughout this post, I’ll include pictures showing what you get for your extra money on Cathay Pacific Airlines.
The Cathay Pacific Premium Economy seat
Having returned to Chiang Mai during the off-peak months when the rainy season blues are in full swing, I noticed my first post after a two month layoffgarnered little fanfare compared to my historical numbers despite having somehow picked up dozens of new followers even without posting any new content. Realizing I’m not the interactive type, this doesn’t surprise me but I’d like to at least feel like somebody besides me gives a crap (or even enjoys) my style of slightly off beat cynical yet realistically optimistic expat tales, so instead of spending all the gloomy days in the coffee shop playing Words with Friendsand pretending to practice speaking Thai, I’ll put off the morning walks on non-workout days and focus on getting more content out there. Thankfully, I did go to a gym once in both Edmonton and Calgary which is ambitious for a “vacation” so hitting the weights again was easier than returning from our recent springtime escape from the Chiang Mai Burning Season.
Two strange things happened after we returned home from our six-week escape from the annual Chiang Mai burning season. Having driven over 3,000 kilometers, I’d had my fill of vehicular vacationing for a while and although the air still remained shitty almost two months into the burn season, some welcome rainstorms arrived late in April which finally cleared the air for another year. Naturally, there was one last gasp of poison after the burning ban ended and countless Thais celebrated by incinerating everything from garbage to plastics since most of the agriculturally related infernos had already burned themselves out. Ultimately, Thailand is a third world nation and expecting the bulk of its population to magically change a lifetime of environmental ignorance is a pipe dream. Thankfully, it was short-lived and even though May brought in blazing heat, the skies are sunny and AQI levels are finally back to an acceptable level.
As any blogger knows, the most important aspect of blogging is content. Regardless of how great or crappy the words and pictures might be, if you want people to find, follow and enjoy your personal creation, you need to keep posting. Admitting I’m pathetically negligent in other areas of blogging like participating in forums or using the WordPress reader, I’m not a huge fan of the tools most people use to increase their readership. Believing Twitter is directly responsible for the disaster known as the Trump administration, I hate what Facebook’s become and lost many of my friends anyway thanks to political differences. I don’t have an Instagramaccount and other than practical communication apps like Line or Viber, I wouldn’t know Snapchat from Tagged. Unaware of the latest hip viral You Tubevideos, I don’t have patience for interaction with other bloggers nor do I enjoy writing meaningless banter in search of more followers.
Every Canadian’s biggest complaint about life in The Great White North is always the weather. Even the lucky ones in Vancouver think they have it rough. Often referred to as Road Construction season, summers are short and often chilly or rainy and the other nine months a year are cold. And snowy. Deserting the frigid homeland for as long as half the year or however many days the tax man says is OK, Canadians coined the term “snowbirding”. Defined as “A North American term for a person who moves from the higher latitudes and colder climates of Canada and migrates southward in winter to warmer locales such as Florida, Arizona, Mexico and The Caribbean”, it’s every Canadian’s winter dream.
Chiang Mai; the sun is slightly visible in early March
Conversely, there’s no snow in the tropics which is one primary reason most early retirees consider places like Southeast Asia. Unfortunately, no matter how much the developed world tries to salvage our planet through recycling, elimination of plastics and modern garbage disposal, anyone living in places like Thailand knows it’s pointless because this entire side of the world sits in a perennial blanket of air pollution and smog. Compounded by uneducated citizens that routinely burn everything from garbage to overgrown fauna and governments more concerned with public image than protecting its citizens, Thailand has almost no meaningful environmental regulations. Add in greedy corporate assholes that illegally clear-cut and burn thousands of acres in countries that support the palm oil industry and the occasional El Nino that suppresses normal rainfall and you get a Great Environmental Disaster like the 2015 mess that blanketed five countries in a poisonous stenchfor three months straight.