Turning out better than planned, our exploratory trip to Chiang Mai came to a close yesterday. Considering it a huge success, we opened our bank account with both Thai Baht and US Dollar sides, got the internet banking set up, ordered and picked up an ATM card, successfully transferred enough cash to cover the requirement for extending a visa based on retirement and signed a one year lease on an 1,800 square foot house. Perfectly placed fifteen minutes south of the old city and ten minutes from of the airport, the Moo Baan (gated community) is one of the nicest and most secure ones we saw and our rent includes free use of a world-class pool and clubhouse, locker rooms and sauna.
Our new view that swaps seaside for mountains
With so many stories to tell, it’s hard to know where to start and since I’ve been stuck using a shitty IPad that freezes a lot and now that we’re back in Penang, I see Word Press somehow switched the “add new post” function to a minuscule font that’s obviously not supported on my old OS. Also almost impossible to edit, I figured I’d post one thing we did for the 14 days we spent in Chiang Mai. Now back in Penang for 16 more days, we need to finish packing, go to the bank in Penang to update our information (we are staying on the MM2H program), wait for the Hari Raya holiday period to end, send off our 15 boxes of stuff with the movers, greet the landlord, hand over the keys and begin Chapter Two of early retirement. Not looking forward to the last two weeks in Malaysia, it’ll probably go by real slowly but I guess I can write about how much more we like Thailand since we’re finally disposing of the old PC and don’t need to disconnect it until the last-minute. While the Malays are very nice people, the Thai have a certain Asian charm unmatched anywhere elsewhere we’ve seen in Southeast Asia an despite all the complaints and sarcastic jibes from many farangs all over Facebook about Thailand’s ways, all nations have their own problems and when you’re a guest it’s best to look the other way when something sucks and appreciate the reasons why you chose to live there. So here’s my day by day synopsis.
Naturally, while taking a break from the NHL Playoffs this week, I noticed a blog post from someone raving about the incredibly dry and beautiful weather they’re having in Bali this week. Only a few weeks removed from our short and partially rainy excursion to Southeast Asia’s most westernized beach destination, first this bothered me a bit. But unlike many visitors, one thing we’ve seen countless times are beautiful sunsets. With The Annual haze Event taking an 18 month break from Penang, skies are crystal clear and unlike last year’s El Nino event, the rain brings amazing arrays of cloud formations almost daily. One of the few things I’ll miss once we move to Thailand in July, sunsets aren’t high on our must do list and we mostly went to Bali to eat. And of course to sneak in some quality beach time despite living in a “beach community” that looks more like a stretch of dirty eroded sand with some shanty vendor stalls.
Sunsets in Penang have been quite beautiful lately
Possibly the most interesting fact about Bali from a culinary point of view is the amazingly large amount of pork dishes. As the world’s most populous Muslim nation, Indonesia should be the last place in the world you’d go for a bacon cheeseburger or a side of baby back ribs smothered in bar-b-q sauce. Bucking the trend, Bali’s population is about 80% Hindu which means Halal food is not the norm and hog heaven takes the place of chicken flavored everything. Oddly, I love pork more than Diane despite her Chinese heritage and choosing where to indulge in lip smacking fall off the bone deliciousness is one of the biggest challenges when you only have five nights. While you can find Indonesian variations of Malaysian style food like Nasi Campur, few western tourists flock to the island to sample local cuisine. And that’s a shame because unlike the very strange Indonesian version of Mee Goreng which is basically western style fried chow mein with some protein instead of Penang’s delicious mix of spicy tomato based sauce with delicious noodles, lime, and squid, Balinese is a unique and tasty style of Indonesian food and you shouldn’t miss it. With so many restaurants, finding what you want is daunting so we mostly searched “10 best xxxx style restaurants in Bali” and came up with some winners.
Oh, hello there. Yes, I know it’s been awhile since I’ve posted anything and no, we didn’t fall off the face of Batu Ferrenghi although I have been counting down the number of days left until we leave Malaysia and move to Thailand. (It’s 94). Having now learned what we’ll need to get non-tourist visas to Thailand and making enough new contacts to get an appointment at a Thai bank, we’ve been focusing our attention on the most important event of spring. No, not Songkran; the Stanley Cup Playoffs. Understanding many readers outside North America and northern Europe might be unfamiliar with the annual eight week ritual that sees 16 teams competing for the greatest professional sports trophy in the world, let me clarify. Canadians (and a small select group of awesome Americans) love hockey more than almost anything (except maybe beer). Easily the hardest championship to win, it takes four grueling “best of seven” rounds before players earn the right hoist the 34.5 pound cup overhead and crazed fans like us get, well, nothing really, other than bragging rights to rival fans.
Thanks to the internet and a little help from the earth’s curvature, all the playoff games start for us between 7 AM and 10:30 AM making almost every morning a breakfast time ritual for the next eight weeks. Alas, even we need a break from hockey sometimes and it’s my birthday this month so we decided on a short trip to Bali during the last week of the National Hockey League’s regular season. Wishing not to spend too much money, we decided on a five night package deal at a boutique beach resort in the relatively hip but not overtly loud town of Legian. Some readers may recall the problem we ran into when we first booked the deal. Realizing most things that seem too good to be true usually are, they offered the seemingly ridiculous hotel price of $116 a night during a unique Balinese holiday called Nyepi. Celebrating Hindu New Year unlike anywhere else on the planet, it’s known as “The day of silence”which means guests are not allowed to leave the resort and all work ceases for an entire day. Unwilling to waste precious time, we rebooked the dates, paid an exorbitant sum to Air Asia for change fees and went one week later. Naturally, there was yet another religious holiday called Galungan and it fell right smack on the day we slated for island exploration.
One of my favorite song lyrics comes from Semisonic’s 1999 hit, Closing Time: “Every new beginning comes from some other beginning’s end”. Borrowing that line is the best way to describe why it’s time for us to leave Penang and move on. A few days ago, my good friend Cimeron published a post titled Cost of Living in Penang on her excellent blog Oh MY Expat Life.An eternal optimist, she always sees the glass half full although she’s certain not blind to her surroundings and often refers to some of the less than attractive features of life in Penang quite bluntly. Understanding everyone’s different, we admire and respect each other’s views but recognize that sometimes two couples see the same things in a different light. Readers familiar with my blog know we’ve decided to leave Penang once our lease expires and move to Chiang Mai, Thailand. Given recent developments in The Draconian States of America under the “leadership” of an unqualified tyrant that’s quickly changing the world’s largest superpower into a racially pure isolationist state, I’ve received lots of page views from potentialMM2H applicants. Short for Malaysia My Second Home, it’s technically a long-term social visit pass but with unlimited multiple entries for ten years, it’s easily Asia’s best retirement visa.
Concerned that something’s specifically wrong with Malaysia, I’ve also had questions about why we’re leaving. In a nutshell, there’s a host of reasons why we’ve worn out the attraction. Unlike working expats who often enjoy large high-rise condos at the company’s expense, we’re not on a stipend. Paying our rent with Malaysian Ringgit that we incorrectly bought way too much of at a rate that’s now 23% lower versus the US dollar, we’ve lost precious savings by fixing our rent at $850 USD per month (3,200 MYR) which is now about $720. But money’s only one reason. As a native Canadian, Diane knew the heat and humidity might be too much but wetrudged through the first year and did as much as practical given our limited transportation options. Opting for life far in the island’s touristy beach communityin exchange for a quieter atmosphere and lower rent, it’s become tedious having to leave town by bus and return via Uber every time we need supplies or groceries or want to visit the culturally rich Heritage area of GeorgeTown. Having visited the other side of the island with neighbors willing to drive us, we thoroughly enjoyed seeing an environment totally different from our old life in North America but it’s just not somewhere we want to stay long-term.
Although there’s no specific wet and dry season in Malaysia, late January through mid April is generally considered the hottest and driest time of year. For me, suffering through the lazy days of tropical winter usually means limiting outside activities to short afternoon walks looking for monkeys in our boring town and Diane avoids the outside entirely until late afternoon when it’s time for some swimming in the pool. Planning our chores and shopping around our favorite hockey team’s schedule, we’ll stay in on game days and enjoy watching live NHL hockey that starts the following morning between 8 and 11 AM, depending on what time zone the game is from. Yesterday being no exception, we cranked up the internet stream and enjoyed the cool morning breeze from our ninth floor multi balcony condo that faces both the town and the sea. Unfortunately, unlike last year’s El Nino event that produced blazing hot sunshine for an unbearable five months, this year’s pattern features unusually strong wind that forces us to close the windows by mid afternoon.
Contrasting the disastrous 2015 haze season that created world headlines due to its severity and environmental impact, the past year produced absolutely no haze anywhere in Penang. Partially due to heavier rains, skies remained crystal clear late last summer and fall which improved air quality immensely. The picture on the right shows how beautiful the sunsets have been this winter. Normally, this would be great news for everyone and the Indonesian government even imposed real fines on several offending companies responsible for the annual event known as “haze season”. But with the rain disappearing until spring and the wind whipping strongly every day, living in Penang means an almost daily interruption of beautiful clear blue skies due to an unhealthy stench caused by somebody burning something. So sure enough, halfway through yesterday’s game, our condo filled with an unbearable stink of plastics, food and all the other shit they burn here despite having laws on the books for 45 years that specifically prohibit open burns. Solidifying our decision to leave Penang in favor of Thailand, the real fun begins now and we’ve been engaged in researching everything about visas, banking and housing all over again aswe plan on heading to Chiang Maiby early summer.
After recent comments about leaving Penang and moving to Thailand once our lease expires later this year, I’ve received a lot of questions asking what’s wrong with Malaysia so I thought I’d address the topic. In one short sentence, there’s nothing inherently wrong. Simply put, Malaysia offers the best long-term retirement visa in Southeast Asia and while the application requirements are not inexpensive and the process is a bit tedious, the benefits far outweigh the hassles when compared to other neighboring countries. For example, Thailand’s never ending revolving door policy of visa runs and short-term non immigration visas with endless reporting requirements and lack of permanent residency options for most applicants makes Malaysia’s MM2H look like an expat’s dream come true. For anyone looking at Malaysia as a retirement option or a temporary escape from the United Trump States of Draconia, I highly recommend the Malaysia My Second Home (MM2H) program and I’ve written extensively about it on this blog.
My best anti-Trump shirt
Having said that, our situation is exactly what the blog’s title implies; an experiment. While Malaysia offers excellent infrastructure, English-speaking citizens and a myriad of annual festivals featuring three different cultures, it’s not everything we’d hoped it might be and it’s simply time for us to move on. Given our situation, it makes sense to stay in the MM2H program since we paid the annual fee for six years (when our passports expire). Additionally, the timing of our fixed deposit purchases was one rare case in our married life where we got hosed big time. (MM2H requires participants to keep a 150,000 ringgit fixed term deposit in a local bank while on the program). Arriving when the exchange rate was 3.7613 per USD, 150,000 Malaysian ringgit cost us $39,879 USD. Even with an annual reinvested interest payment of 3.3%, the current exchange rate of 4.42 means our fixed deposit’s current value hovers just over $35,000 USD. Even though the fixed deposits need to stay intact for as long as you stay in the program, local banks won’t let you take a term longer than one year. Suiting them perfectly, Malaysian fixed deposit rates rise with terms exceeding one year and since the central bank lowered interest rates twice during our first year in Penang we’re now earning only 2.9%. With nobody on Wall Street anticipating a rising Ringgit, even after six years of interest payments, we’ll probably just break even when we leave Asia and cash in our fixed deposits.
Barely settled back into our simplified life in the developing world, Diane and I looked at the calendar and realized there’s only a few months left until our lease expires. Hoping to qualify for a reasonable visa to live in Thailand other than the infamous 90 day tourist visa, it seemed like early April might be a great time for a quick mini jaunt to Bali. Living in a “beach resort town” that features one of Southeast Asia’s dirtiest and grimiest beaches, we’re also longing for a nice place to soak up the sun, catch up on some books and remind ourselves that heat and humidity beats the frigid Canadian winters and minus twenty degrees anytime. Also thinking we’ll probably not venture south once we move further north, I did a quick search on flights and almost immediately changed my mind thanks once again to Penang’s horribly inconvenient, underutilized and ridiculously small airport. With no direct flights, everything runs through connections in one of KL’s two enormous shiny airports which literally means jacking up the price to over $425.
AirAsiaGo is NOT part of Air Asia
Always more patient than me, Diane decided to check AirAsiaGo.com, a website cleverly disguised as an Air Asia subsidiary that offers bundled packages including airfare, hotel, rental cars and various other services for one price. Normally, I always avoid package deals at all costs on this side of the world because unlike in North America, there’s no such thing as “all-inclusive resorts” like in Cancun or Cabo. Virtually every hotel room comes with free breakfast, free wifi and other amenities that they group together and call a “resort fee” in North America while tacking on $25 a night or more. Besides that, there’s a little thing called “consumer protection laws”that anyone raised in the USA or Canada takes for granted. Quickly learning that you get what you pay for in the developing world, things work quite differently here and if something looks too good to be true, it probably is. Initially pricing out five nights using Booking.com or a similar company, we found a highly rated hotel for less than $130 and I love the flexible payment options given to hotels in Asia like “pay later”, “pay at the hotel” or “pay now”. But adding in the airfare jolted the total cost over the top end of our travel budget and after an expensive trip to Canada, I probably should have just given up.