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.
Unlike Trump’s Draconian States of America, not all things from yesteryear are negative. Here in Southeast Asia, sometimes things are strangely backwards but work better than you’d ever expect. Case in point; Early and mid January brought an unseasonably large amount of rain with large thunder claps and impressively beautiful lightning strikes. Normally not caring about swimming in the rain, western culture teaches us all to leave the pool during lightning strikes although I’ve never heard of someone actually being struck by lightning by not adhering the warning. Anyway, during one particular loud thunderstorm, I had our favorite Bay Area radio station playing on IHeartRadio. Utilizing our very shitty internet signal, bluetooth and a Sony soundbar, the radio suddenly stopped. Unfazed since the internet signal in Batu Ferrenghi works as well as AT&T Worldnet Dialup Service circa 1999, I waited a minute since it sometimes just pauses and eventually got up to do one of our sixteen daily reboots.
Noticing a blank screen on the soundbar, my first thought was a loose connection. Having dusted the entire TV console and stand earlier, I’m famous for dislodging cords, wires, outlets and various other things that give our telecommunications expert (Diane) fits. Not seeing anything obvious, I tried unplugging things and changing the batteries in the remote but the power remained off. Having exhausted my technical skills, I patiently waited until Diane finished showering and decided to pretend nothing happened. Not wild about always being blamed for anything that’s wrong with all things electrical, I figured I’d let her turn on the TV later that night and then mention the power loss incident. Deciding to approach it delicately, I mentioned the loud thunderstorm and worked it into the conversation as a defensive mechanism that might explain a possible power surge. Naturally, we only have one surge protector and it guards our ancient computer with the obsolete Windows Vista Operating System, so it’s feasible that a lightning strike that hit the building might have somehow jolted the TV.
Here’s the thing about living in the developing world; there’s always something interesting and different. Settling back into our relatively mundane lives in Penang after four cold grueling weeks in Edmonton’s frigid climate, my body recovered from all its aches, pains, ailments, dryness and perpetual coldness after a day or two. Unfortunately, reverse climate change wasn’t much better as I struggled to do even a twenty-minute workout in the gym. With limited exercise opportunities over our winter holiday, I anxiously returned to my regular routines and quickly discovered that early retirement doesn’t necessarily mean your body wants to pretend its ten years younger. Remembering that exercising in a tropical humid climate is quite taxing, I pushed through the pain but paid the price with a six-day severe sore throat that’s turned into yet another head cold, no doubt caused by excessive dehydration. Learning that 55 degree Celsius changes and my body don’t like each other, I guarantee the next trip to North America will be during summer.
Anyway, that’s not the interesting part. Lounging at the pool one day, we looked up at the unit two floors below us and noticed an enormous swarm of bees that apparently decided to build their nest on the side of the building just above the bedroom window. Seemingly a strange place to nest, it’s probable that Penang’s never ending ongoing construction disrupted or destroyed their original habitat and for some reason the queen bee landed on the building. Living only nine floors up, we often get some bees in the living room while watching evening TV because they’re attracted to the light. Normally not aggressive, they usually die in the house after we close the windows and get swept up the next morning. But with their nest on the condo wall only two floors below, dozens began hovering inside that evening so we closed the window and told the building manager. Continue reading →
Apologizing ahead of time for how happy I look in the cover picture, let me go on record by saying I’m not a big drinker. But once in a while you need to let loose and every so often it’s nice to enjoy a night out with good beer and great friends. Unfortunately, Malaysia might be the worst choice in Southeast Asia for finding a good beer. Aside from the fact that Muslim nations levy very high sin taxes on alcohol, the local beer is Tiger and it’s about as basic as beer gets. Drinking Tiger is akin to kissing your sister and provides absolutely no reason to spend any hard-earned ringgit for the sake of having a beer. Aside from Tiger, the other readily available options are Carlsberg and Heineken, usually in cans. Unsure how Carlsberg cornered the market as the official European beer of Asia, you find it almost everywhere despite its poor quality and tastelessness. With due respect to those raised on inferior beer, canned European alcoholic beverages served in tropical nations makes about as much sense as a typically over-staffed Malaysian restaurant where they all stand around doing nothing.
Always luke warm to begin with, why anyone would pay upwards of 20 ringgit ($5 USD or more) for a can of rotgut beer is beyond me. Nothing beats cold Canadian beer or a nice North American microbrew and anything less than that isn’t worth the calories. (Allowing for one exception to the rule, I do enjoy Chang with dinner but only in Thailand. Often less than a dollar, it tastes better than most Asian beer and makes a perfect complement to real Thai food). But since we live in Malaysia, I’ve grown accustomed to placing beer in the list of “things I miss most from home”. So imagine my surprise when we discovered the Gusto’s Cafe Annual Fall Harvestfeaturing fresh, cold American microbrew from San Diego based Coronado Brewing Company. Imported locally by a five-year resident expat that’s been bringing real beer to Kuala Lumpur for a while, he’s managed to get whatever permissions people need to qualify as an importer and supply Penang with a viable option to crappy canned beer.
Those of us old enough to remember school essays that were actually written with pen and paper probably had to do at least one standard version of “How I spent my summer vacation”. Here in the tropics it’s always summer and Malaysia is one of the few tropical nations sandwiched between two influential monsoon weather patterns which means there’s not really any seasons here with the possible exception of January through March when it’s almost always very dry. Usually planning vacations in Southeast Asia around wet and dry season, we hardly ever know what month it is here and were it not for internet radio and social media, we’d probably have no clue that summer is winding down. Celebrated as the last official weekend of summer, Labor Day marks back to school for North Americans but here in Malaysia, the end of August ushers in a slew of holidays celebrating everything from Malaysian Independence to the most important Hindu Festival of the year known as Deepavali.
As seasoned expats (all of 14 months), we’re not as inclined to investigate each festival because most expats check out whatever local holidays have to offer in their first year and decide which ones are worth coming back for. Sadly, very few Penang events are worth writing home about as far as we’re concerned so as we settle into our daily lives and try to save our cash for travel, we usually avoid the crowds associated with most holidays. Living in the nation’s most popular beach resort town means withering large crowds on public holidays but unlike the big city, big parades and spectacles are not really part of the festivities for most Malaysian holidays. Indian and Chinese holidays do have more glitz but Chinese New Year 2016 was amazingly devoid of fanfare In Penang and many locals blamed a weakened local economy combined with the first full year after the government implemented the GST (goods and services tax). Choosing to spend the Merdeka holiday with the island’s non human population of mostly friendly monkeys held more appeal to me than hanging out on crowded beaches anyway so that’s exactly what I did.
Normally avoiding Sundays like the plague, being retired means never having to go anywhere when the rest of the population is enjoying their day off. Applying even more in the developing world where six-day work weeks are the norm, Diane and I rarely shop, eat out, visit major attractions or engage in any “working world” weekend morning activities like breakfast at popular eateries. But sometimes time sneaks up on you so the other day we broke tradition after a visit to our local supermarket reminded us of some inevitable merchandising realities in Malaysia. With public holidays occurring at the rate of one per week through the next 17 days, expats who cook a lot should take heed and get to the store while there’s still any supplies. Possessing possibly the world’s worst supply chain, Penang literally gets everything delivered by truck from Kuala Lumpur. Although that’s only a four-hour drive on a modern four lane superhighway, it often feels like living on a remote Pacific island with no airport that gets deliveries via passing cargo ships every three months or so.
This is Chicken Ass with a funny name
Studying supply patterns of everyday products like veggies, pasta sauce and canned tuna leads to a frustrating conclusion that Malaysian store supermarket managers don’t understand anything about merchandising. Every time you find an imported product you like, it’s almost guaranteed to be gone the next time you visit and not replaced for at least a few months. Or not at all if it’s something you really like. Constantly bombarded by mostly foreign expats that buy up all the European, American and Australian products before most island residents even know they’re in the store, if you blink and change aisles, it’s gone. Perpetually stocking items that are already nearing their expiry dates, the other thing they love to do is order products nobody buys and then put them on “promosi” (sale) at ridiculously low prices. While this seems like a good thing, I’d rather not buy something that came out of the factory in 2014 for 2 ringgit (50 cents) because it arrives in Penang just shy of its second anniversary date. Buying fresh food is a different animal altogether with stores sometimes going months between certain cuts of meat or lamb and beef that varies in price from inexpensive to insane.
Usually marking anniversaries with celebratory posts, I’ll start this post by stating that today is exactly one year since Diane and I handed over our passports and received our MM2H stamps. Arriving only six weeks earlier, everything went according to plan and despite never having visited Penang, we established ourselves quickly. Before receiving our approval notifications and traveling back to Kuala Lumpur for the last steps, we secured a lease, bought new phones, established service and set up all relevant utilities like electric and internet. Since that time, I’ve written many posts about our expat experiences other than travel and they’ve usually been well received. Given I’m not part of today’s young generation deriving a paycheck from “online income“, I’ve tried to write fairly entertaining stories with my own slightly sarcastic but relatively realistic slant. But noticing a decline in the number of likes despite an increase in readership, it appears I’m beating a dead horse and my post the other day about our first negative infrastructure experience took dubious honors as my first post with no likes two days after writing it.
Out with friends
Having written about topics like establishing ourselves in a foreign nation, learning about the local cuisine, taking off the beaten path day trips and living through the annual haze season, I’ve shared a bit of expat life as seen through the eyes of two average middle class people (one American and one Canadian) that chose an experimental early retirement over daily cubicle life after an unexpected layoff. Also including detailed stories about the Malaysia My Second Home Program (MM2H), I’ve received lots of comments and emails thanking me for providing valuable information about Southeast Asia’s best retirement program. Retiring at a rather awkward age, it’s not always thrilling, often financially challenging and sometimes downright unexciting. Unable to always churn out really exciting content, I’d be lying if I said each day is filled with a new adventure so perhaps the blog’s almost run its course. The pictures on this post feature scenes from our life in Penang and part of the blog was to illustrate all parts of expat life, not just the best days.