Tag Archives: MM2H

The Semi-Big Milestone

Speaking by text yesterday with a childhood friend I haven’t seen in 16 years, I laughed at his reaction to my Facebook post about  inexpensive and efficient healthcare here in PenangJokingly asking how much it costs in Southeast Asia for braces, he implied he’d use that as an excuse to come visit and take care of his teenage son’s dental needs. Responding by asking when he’s retiring, he laughed and told me he’ll be working forever because he loves his Silicon Valley tech job. While admirable, I’ll never understand anyone that thinks working until you’re way too old to experience all the great things life has to offer ranks higher than early retirement. In his defense, he’s only 53 and probably has a lot more accomplishments left in his career. Conversely, I spent 31 years in and out of cubicles working as a support specialist for more investment advisers, banks and brokers than I care to remember. Other than learning how to be a self-directed investor able to amass a portfolio big enough for a shot at early retirement after my unexpected layoff, my working years garnered zero in the way of fulfillment or career satisfaction and always served as a means to an end.

Having read countless articles about people more successful than me choosing early retirement to attempt other personal goals, I set out with good intentions when we started our early retirement exactly two years ago this week. Unlike many others, exploring my inner skill set isn’t so easy. Uninterested in starting a business (the most common reason cited), I can’t see working 100 times harder than I did in the office and risking any capital when we have no income. Possibly the world’s least handy person, all things related to building, crafting or creating things are out and learning other languages sounds about as fun as a root canal. Highly fond of wildlife, we both talk about volunteer projects involving animals and our American friend (a working expat) who engages in 20 different things even gave us an opportunity to work with monkeys for a week. But we’d just returned from a three-week trip to Myanmar and the job demanded too much of an immediate commitment of our own money and resources so we tabled that retirement goal for now.

Which leaves me with the blog. Starting 2 1/2 years ago and not knowing anything about WordPress, the number of followers isn’t what I’d hoped nor is the level of interaction but having just passed 100,000 page views and now averaging over 100 per day, my no-nonsense blend of sarcastic realism obviously appeals to someone. Fascinated that over 38,000 people in 168 different nations spent some time reading my commentaries, this is probably as good as it gets for me when it comes to utilizing modern technology. So I’ve decided to accept this milestone as a my first small accomplishment since retiring and although writing comes easy and I enjoy sharing stories, I guess it’s a skill and it may wind up being my best and only creative endeavor. Pondering what to write to commemorate the event, I decided share five of My Own Personal Favorites that haven’t received as much traffic as The Reader’s Favorites. Thank you to everyone that’s ever spent some time supporting me.

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Spring Break

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.

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A Day in the Life

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 potential MM2H 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.

img_8114Concerned 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 we trudged 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 community in 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.

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That Burning Sensation

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.

skies this dry season in Penang

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 as we plan on heading to Chiang Mai by early summer.

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Movin’ Out

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 ant-Trump shirt

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.

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Almost Turkey; our second expat Thanksgiving

Celebrating our second U.S. Thanksgiving away from North America almost proved more challenging than last year when we enjoyed a complete turkey dinner with all the trimmings. Taking advantage of the large American expat community, lots of Chiang Mai restaurants offer up Thanksgiving feasts at a very reasonable price and that’s where you’ll find all the Yanks including us since we just happened to be visiting during the holiday. Although Malaysia shares its Northern border with Thailand, it may as well be on another planet when comparing Thanksgiving Day offerings. Mostly unknown to Asians, finding fresh turkey in Malaysia is difficult, expensive and simply unreasonable. Although a handful of places in Penang do offer a special holiday menu, the price tag comes in somewhere around $80 USD per person. Considering we usually paid about $15 for our annual turkey compliments of the local Safeway, this lavish and ridiculous price seems OK if you’re independently wealthy, For the rest of us early retiree expats living on a budget, it’s simply outrageous.

imageFortunately, our newest friends that we met thanks to this blog are Alfred and Zeenat. A recently retired professional chef from Switzerland, Alfred and his wife just became MM2H participants in September and happen to live in the next town over. Generously offering to cook us a five course dinner as a way of paying us back for providing helpful information about moving to Malaysia and navigating through the MM2H paperwork, we didn’t wind up with chicken rice on the holiday after all. Starting out with his very creative cheese ball decorated like a turkey, we want to thank Alfred and his wife for hosting us and helping us enjoy the holiday in a place where Thanksgiving is just another Thursday. Even including beer, wine and soft drinks, it’s possibly the nicest thing anyone’s done for us since we arrived in Malaysia.

Although an actual whole roasted turkey wasn’t on the menu, Alfred clearly put a lot of effort into this and offered us hot and cold appetizers including cucumber with feta and tomato paste, smoked garlic sausage with cornichons and mustard , “turkey club” and turkey meatballs, pepper terrine with cranberry, spiced lamb skewers on Swiss potato rosti, and several others. After the mixed green salad with pumpkin dressing and a Thanksgiving Autumn Leaf, we enjoyed a Bird Galantine with sausage, apple and cranberry stuffing, light grape-orange sauce, veggies with roasted pumpkin and honey glazed sweet Hasselback Potatoes. Finishing off with an incredibly delicious dessert, we feasted on Toblerone Chocolate Mousse with Amarena Cherry Cream. Unfamiliar with several of the dishes, I guess I’m a foodie novice despite having visited Cambodia, Thailand and Myanmar since becoming an expat.

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Going above and beyond what anyone’s done for us so far, we wanted to thank them again for their generosity and hope we can repay them someday. Never expecting anything in return for writing helpful information about the MM2H program, their kindness helped lift our spirits in a time when the homeland is experiencing some seriously tumultuous times in the tolerance department. Happy to help anyone that contacts me by email, I’ve recently received an uptick in inquiries about moving to Malaysia and specifically, the MM2H Visa. Although we plan on moving to Thailand next summer, the visa program is still Asia’s longest term and most generous visa out there and I’m happy to spend time helping anyone interested. Keeping the visa even if we move, it’s convenient for easy visa runs and useful should we come back to Penang.

mm2hWe’re also looking forward to meeting several potential candidates that asked us to meet them on their exploratory visits to Malaysia. While it’s obviously not practical for most Americans to simply up and leave due an unqualified demagogue’s rise to the presidency, clearly there’s many of you on the fence out there looking for an excuse to make the move so we’d love to hear from you. As promised, upcoming posts will detail the rest of our recent trip to Cambodia. If you haven’t already done so, please check out our Day Trip to the The Flooded Forest and Bird Sanctuary as well as A day at Angkor Wat’s must-see monuments.

Happy Black Friday to all our American friends and cheers from Penang!

black-friday

The Main Attraction

Undeniably beautiful, the Temples of Angkor Wat are easily the main reason to visit Cambodia. As the world’s largest religious monument, it’s every bit as amazing as you’ve heard and all the accolades, reviews and compliments are not exaggerated. Even if temples, culture and history aren’t your thing, you’d be crazy to visit Cambodia without devoting at least a full day to this incredible architectural wonder. With thousands of great informational sources and countless travel blogs devoted to the area, attempting to describe either a complete detailed description of what to see or a travelogue explaining the fascinating historical significance of the area is best left for the experts. Instead, I’ll describe our second day trip of three in Siem Reap. Featuring the “must-see” temples, and mostly mimicking the “short-circuit” that’s a suggested itinerary for those with limited time or minimal patience, it started out before daybreak with a visit to see the sunrise at Angkor Wat.

Our take-away breakfast fromour sunrise excursion to Angkor wat

Having read the entire chapter on Angkor Wat and environs in Lonely Planet, trust me when I say it’s best to find a qualified guide and customize your day trips according to personal interests and time allotted. With a cornucopia of options from walking to hiring a tuk-tuk for the day, the best strategy is visiting places when everyone is somewhere else. Not always the easiest task given the millions of visitors that flock there all year, I’d recommend avoiding peak season (mid November through March) but also not choosing monsoon months unless you enjoy sightseeing in a torrential downpour. Finding a guide is easy but reserving ahead of your stay makes sense given how many of them are dying for your business. Ours came highly recommended from one of our friends in Penang and since he runs his own business, a website made it easy to break down all the options and customize three guided day trips according to our interests. Hotels specialize in take-away breakfasts for sunrise trips to Angkor Wat so you won’t go hungry. Possibly the only time you’ll ever see a picture of Diane awake before the sunrise, our second day began at the ungodly hour of 4:30 AM.

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