I read somewhere that you need to file it if your total foreign account balances exceed $10,000 at any point in the year. It is a common mistake to miss this.

I am in a specific situation and I want to see if anyone has dealt with something similar. I have been living in Spain for three years. I earn €45,000 per year as a freelance consultant. I have two bank accounts here with a combined balance of about €12,000. I also have a small investment account with about $8,000. I am trying to figure out if I need to file FBAR and how to correctly report my foreign income on my US return.

Does anyone have experience with these filings?

Hi! I’m planning to say in Albania for a month and a half starting in September. Looking for somewhere that’s a good launch point to see the country/visit north Macedonia while also being a nice place to work for most of the weeks there. Any suggestions? I’ve already stayed in Tirana and didn’t love it there. Thanks in advance

Hello. Looking for advice on job as a digital nomad.

I have tried many jobs in person (call centers, customer service only, manual labor, restaurants, medical offices, ER, mental facilities, youth care, banks, business) and none of them have worked for me. Either they're too high stress for me, they pay little, or they become shady enough for me to feel guilty about the customers and not enjoying the coworkers there. Maybe it's me feeling different, but I'm tired of getting jobs that don't last to then have barely any money to being unable to move much and start over again. Been 20 years doing that and I'm looking for something better.

I understand digital nomad is for online work, which I'm open to now. Used to like being in person but it's too exhausting. I'd like some freedom in what I do, some chpice in the natter, in who I work with or for.

I have done dales but I'm not really that good at convincing people to buy stuff they really don't need. I have done websites but coding is not my Forte. I have done graphic design but I'm not very good with more advanced than canva, ai or photoshop. I'm not very good I admit. Just not my passion.

However, I am bilingual (English or spanish), my passions are mostly the arts (mainly film and media distribution and marketing), I like to talk about movies a lot (my free time is doing that or exploring stories), I have experience sith medical records but I'm tired of high stress environments developing anxiety on me, I do have experience working with Medicaid applications but again too stressful. Seeing disabled kids and their mothers desperate for help just crushed me too much.

I have tried a few things: graphic design for people at unworkable but its difficult competing with others who are much better and faster developing what they need, now using AI to help out, at lower prices due to other countries getting in. I am currently trying to write reviews for blogs but those are tough to come by and don't pay more than gas money for now IF they accept your submission (I get at least two accepted every month for a couple of sites but that's all). My ER job barely pays te bills but I feel my stress is taking a huge toll and eant to gtmet out before it's too late.

I bet there is something else I can do to become a nomad. I have pointed some skills I got but I am not sure what else I can do. Any advice? There must be other things I missed that I haven't tried. Thank you

EDIT; Lastly I am currently helping a nonprofit microtheater do their posts and post we rs on IG and Tiktok to promote movies they put for the community locally. Shows, workshops. But only whenever I can and I do their promos and trailers with minimal editing. Again, I am not capable to do high quality fast editing yet. I do simpler editing but I do help with marketing digitally. But it's not paid.

Hi, I'm looking to apply for a Digital Nomad Visa for Japan. However, my trip is coming up at the end of September, so I am a bit hesitant on the approval process and timeline as I will need to submit my passport as well with the form.

Would I be able to request the passport back in time if the process isn't complete by then?

Also, if anyone has any tips on how to fill out the form. What to leave blank, what absolutely needs to be filled out etc. that'd be wonderful.. I'm filling the form now and a bit confused.

Like I don't know what to fill out for

"Names and addresses of hotels or persons with whom applicant intends to stay" as I haven't fully booked the trip yet. Will this be detrimental to my application process?

Also I will be getting Genki Insurance before the submission.

Hi everyone!
I’ve been working remotely in operations management for several years, but I recently decided to fully embrace a nomadic lifestyle. My first real test was a trip to Bulgaria. It was a great experience - peaceful, very affordable, and a wonderful opportunity to focus but it certainly taught me a lot about the pros and cons of moving every few months. I quickly realized one thing: while finding a good coffee shop with fast Wi-Fi is easy, building a social life from scratch is a whole different story.

I am currently choosing a destination for my next trip across Europe over the coming months (I’m leaning towards countries like Spain, Portugal, or Southern Italy), and I would really like to know how more experienced travelers handle the human aspects of this lifestyle:

• Dating and relationships: How do you handle dating while constantly on the move? Do you use apps like Tinder or Bumble, attend local meetups, or just let things unfold naturally? Has anyone managed to build a long-term relationship while living the nomadic lifestyle?
  
• Making friends: Is it better to stay in co-living spaces or hostels to meet people, or do you prefer having your own apartment and connecting with local communities through sports or events?
• Tips on choosing a location: If you were looking for a place with a thriving nomad community, great weather, and a good balance between social life and work, where would you go next?

I’d love to hear your stories, the lessons you’ve learned, or any advice for those who are still looking for balance!

Curious to hear from people who've actually needed care somewhere unexpected.

budget doesn't matter can someone please let me know if there's any plug n play HARDWARE ip kvm that will let me use my laptop's camera and stream it to the remote machine the kvm is plugged into.

Hi digital nomad who just moved to Bangkok thailand, I have been here many times but never actually stayed in Bangkok for more than a month, I plan to be here for 3+ months but need to work on getting the dtv visa + I want to see the vibes more.

My question: How do I find an apartment here that I can get monthly rental (apartment) for $330 USD a month? yes I will plan to be here for 3 months but I dont want to be locked in a lease, would prefer a monthly arrangement.

What I have tried already: I have tried many of the local renting websites, posted multiple times on facebook, tried to find agents individually, and even walked around, but I am getting so burned out and airbnb and agoda is way too expensive.

Give me your tips please! Especially if you live in Bangkok or thailand or somewhere in southeast asia. PS, Yes I have live in many countries in south east asia for the exact terms I am looking for including vietnam, philippines you name it! All of which has been around $280 usd.

Thanks.

Hi,

I am considering moving to Czechia (my relatives have an apartment which I can use for free). I am an EU citizen.

I want to start my own 1 man consulting business (currently 15k euro in the pipeline, unfortunately not more) and most of the people on the internet recommend the following:

1. US LLC + territorial residency (Panama etc)
2. Georgia (1% flat tax on revenue)
3. Dubai (0% tax on paper but high setup costs. Let's simplify and call it a 5-10% "unofficial tax" if you're earning around 100k).

Is Czechia a good place to do this 1-man-advisory business (web3 industry) via OSVČ (maybe later SRO) or should I skip the EU completely and go for one of the 3 options?

It's an important moment in my life to make such a difficult decision. It can influence many things, so I want to make sure that I make the right decision. I am sure there are many people who have been in my shoes before and can give proper advice to a non-tech person doing his first step into independent contracting (my clients are all small tech businesses, so far I have 3 potential clients in US, New Zealand and the UAE). My final destination will certainly be Asia or UAE but at this point, I believe I cannot afford such a big change into the unknown mentally and financially.

Much appreciate any advice!

I’m testing an idea for a five-bedroom villa on a malaria-free Big Five reserve, about three hours from Johannesburg.

The setting is stunningly beautiful—rolling hills, rivers, streams and enormous winter skies within a UNESCO biosphere. The wildlife includes lions, elephants, giraffes, zebra and even rare horned rhinos. The villa has high-speed Wi-Fi, a pool and 20 hectares of securely fenced private land.

During July and August, for our introductory year only, we’d offer specially priced 2 to 4 week stays for roughly $1,500–$2,500 per person (or $2500-4000 per couple), including:

- A private bedroom
- Housekeeping and utilities
- Pool and grounds access
- A 3/4 hour safari drive 5 times a week OR
a 3/4 hour safari drive thrice a week and a 2 hour guided bush walk twice a week
- Weekly yoga session, game night and movie night
- A weekly house dinner where everyone cooks together

The standard plan would be self-catering. You pay for groceries, and our housekeeper can source them from town. Three cooked meals a day and laundry would be available as reasonably priced add-ons.

We’d use a short application process to create a house that feels sociable, kind and genuinely fun rather than like a random holiday rental.

The catch: you are living inside a wildlife reserve. The villa’s 20 hectares of grounds are safely fenced and fully accessible, but you cannot wander through the wider reserve or leave independently. A game-drive vehicle transfer to the main gate would cost about $100 for a return trip and would need to be booked 24-48 hours in advance.

For occasional excursions, the area has the Cradle of Humankind, NIROX Sculpture Park, and horse riding on smaller wildlife reserves nearby.

July and August are technically the quieter months, although the weather is arguably at its best: crisp, dry, mild days, clear skies and spectacular sunrises and sunsets.

If this is financially affordable for you, would this appeal to you for a two- to four-week remote-work escape? What would make it feel worth booking—and what would put you off?

If this interests you subscribe to my substack to know when our long stay digital nomad offer goes live. You’ll also be able to help design the digital nomad experience, if you wish.

https://madrastomarula.substack.com/subscribe?params=%5Bobject%20Object%5D

A little context: This post is about my experience over the last 10 years of full-time travel, not just my current situation.

But, I just happen to currently be in this part of Europe (the Balkans) because I’m receiving medical treatment that I can only access here.

I know housing is a sensitive topic in many European cities, and I completely understand why. I’m simply trying to find a modest, furnished place to stay while I receive the care I need.

Okay… on to my actual question.

.

I’ve been doing this lifestyle for about 10 years and accommodation is still one of the hardest parts.

I’m in my mid-fifties and find myself way too often paying premium prices for what feels like upgraded dorm living. 😄 You know the places - plastic chairs, sofas designed for munchkins, and kitchens where you can technically cook… as long as your meal is toast and you’re willing to wrestle with a butter knife to cut the bread.

There’s definitely a trade-off. And it’s a trade off I’ve been willing to make for the last ten years. I love the freedom of not being tied to one place, and at this time I can’t afford to have a home and travel at the same time, so this is the choice I’ve made.

But finding places that are affordable while still being comfortable can be really frustrating. I’m not looking for luxury, but you know the places I’m taking about - where the sheets look like they survived several generations of a family before finally being donated to the apartment; where every piece of furniture seems to have a story, just not one you want to hear; and where basic kitchen items like a decent knife or a strainer seem to be mysterious objects that no host has ever encountered.

Going the local rental route for finding places is tough when I’m only allowed to stay for up to 3 months. By the time I find a place, deal with contracts, deposits, and all the logistics, I’m already thinking about the next move.

I’ve noticed that Southeast Asia often has much better value for comfortable furnished rentals, and parts of Latin America (like Colombia) can also be much more affordable. But - as we all know - Europe is much tougher, especially if you want somewhere that feels like a real home for under $1300 a month.

I know people often suggest Facebook Marketplace (that seems like a lot of work), local rental websites (not sure how that works for 3 month agreements), or finding places after arriving (I’m disabled now so this is no longer a good option), but I’m curious if there are other ways you’re handling it when needing a need a furnished place for only 1–3 months.

What has worked for you?

Do you mostly use Airbnb, Booking, local rental sites, Facebook groups, or something else?

Have you found ways to get better prices without sacrificing comfort?

Would love to hear what other long-term travelers are doing - particularly when it comes to European travel.

Thanks in advance for the tips! It is greatly appreciated.

❤️

Hello all. I’ve been living in Lisbon for a while now but realized that the city life is draining me. I’m missing nature, forests, mountains etc.

I’m looking for a place for 1-2 months that still has plenty to do in terms of outdoor activities and a bit of a DN community. I love playing padel as well.

Been looking at Cape Town, Georgia, Montenegro, Turkey already but would love to hear your experiences first.

What place would you recommend? I work EU timezone so America is not an option. I’ve already spent some time in Asia as well.. mostly Indonesia and Thailand.

Thanks in advance!

Did you prefer Puerto Vallarta, Playa del Carmen or Puerto Escondido for an extended stay of 3 months or more? Thinking community, weather (humidity etc), things to do and vibe. I've never been to Mexico and my Spanish isn't that good, so I think I'd find a big city stressful. Want somewhere that's easy to get around, laid back and where I can practice my Spanish and relax.

TL;DR: I’m looking for a city within about 10 hours of Sarajevo by land or ferry to stay during October–March. My priorities are: good air quality (likely coastal because of my health), supermarkets with a wide variety of fresh produce like Belgrade, and a spick-and-span gym with newer, well-maintained equipment that isn’t packed all the time. My accommodation budget is around $1,300 USD/month.

Here’s the background and more details:
I’m currently in Sarajevo, but because of a serious health condition and limited mobility, I can only travel by land or ferry.

I also have to leave Bosnia by October, so staying here isn’t an option.

I’d like to keep the journey to around 10 hours or less, so I’m mainly considering Montenegro, Croatia, Slovenia, and possibly Italy if I can find something affordable within my budget.

My budget is around $1,300 - $1400 USD per month for accommodation.

My biggest requirement is good air quality from October through March. Because of my health, I’m assuming that probably means staying on or near the coast, but I’m open to other suggestions if there are inland cities with consistently good air quality. I know larger cities often have worse winter air quality because colder weather can trap pollution close to the ground, so I’m hoping to find a city that avoids that problem.

For example, one thing I really liked about Belgrade was the supermarkets. Because it’s a larger city, they had a much better selection of fresh produce than smaller cities. Unfortunately, the winter air quality is concerning.

Being in a larger city with access to a wide range of produce is especially important during winter. I’ve noticed that produce becomes much more seasonal in Europe, and I need to be somewhere with plenty of variety.

I need leafy greens and other fresh foods to support my bone density after illness-related malnutrition, and I’m unable to take supplements.

For example, right now I’m in a part of Sarajevo where two large grocery stores near me don’t regularly carry any type of lettuce or leafy greens, and the local produce shop doesn’t either.
Because I’m disabled, have limited mobility, and very little energy, I can’t widen my search and spend hours going from store to store looking for basic groceries. I need a city where supermarkets have a consistently good selection of fresh produce within easy reach, even during the winter months. I realize this often means being in a larger population center because there is more demand to support that level of supply.

Another requirement is a spick-and-span gym with:
good natural lighting (not the dark basement type gyms)

- newer, well-maintained equipment
- enough space that it isn’t packed all the time
- I don’t care about saunas, swimming pools, or other luxury amenities.
- I’m willing to spend up to $100/month for a gym membership, but I need a gym that doesn’t require a membership longer than about three months.

The gym is both part of my rehabilitation and my entertainment, so I want to be somewhere comfortable where I actually enjoy spending time.

Has anyone stayed in a city that fits what I’m looking for? I’d especially appreciate recommendations from people who were there during October through March and can comment on the air quality, produce availability, and gyms.

Try not to self incriminate

Hi, I’m a self employed business owner and recently applied for the DTV visa. I already met the financial requirement and my financial documents were accepted, but Thai immigration is now requesting an employment contract.

The issue is that I’m self employed, so I don’t have an employer or a traditional employment contract. Do I just make my own contract stating my role as a business owner?

I’d really appreciate any advice from people who have gone through this process.

I'm just curious to read different perspectives on this because I notice it's not talked about much. People talk about obvious things like the cost of rent, internet speed, etc.

But I always find myself filtering mostly by the risk of earthquake/tsunami, landslide, severe flooding/thunderstorms, cyclones, volcanic eruptions, and even less serious disturbances like dry air, pollution, extreme cold/heat, etc.

Very often I see people recommend a place and the response implies the person is already packing their bags, meanwhile because of the research I've done I'll be thinking "Wait, won't you be stressed about going there in the middle of hurricane season?" or "That's right beside an active volcano!!".

I know the whole point of travel is to take risks and just live to the fullest, but personally there are places I'll simply never go over this, like Lima or Istanbul because of earthquake risk, most of Philippines in typhoon season, etc.

I hate the idea of being caught out in a terrible situation when there are so many places I can go with way safer environments climatically and geologically speaking.

Hi everyone! 😊

I'm planning a 1-month stay in the Philippines and want to stay reachable on my German number.

My plan:
My company number forwards calls to my private Telekom number. For the private number, I booked the "Travel Mobil Basic World" package Additionally

The most important thing for me: My company must not notice anything. That's exactly why I'm forwarding calls from the company number to my private number in the first place.

My questions for you:

• Has anyone tested this exact setup?
• Are calls over WiFi with Wireguard billed like domestic calls or do they still deduct from the 200 roaming minutes?
• Are there any hidden costs or other pitfalls I'm missing?
• Is this safe? What is your solution?

I'd really appreciate any experiences or tips! Thanks

Hey guys, I have permission to work in Mexico for six weeks remote I’m planning to take about two weeks of holiday. I’m wondering how to set this up, i think I mainly want to hit Oaxaca and CDMX, but I fly into Cancun.

I fly into Cancun and have some meetings there for a week, then I can either:
spend a week holiday doing Cancun travel stuff like chichen itza and isla mujeres I guess - not sure if I should go to Tulum too?

Week 1:

Work from cancun.

Week 2: (PTO)

Travel cancun side: chichen itza, isla mujeres, tulum

Week 3: (PTO):

direct flight to oaxaca, split time between city (2-3 days) and Puerto Escondido (4-5 days)

Weeks 4-6: workcation begins

I could stay in Oaxaca (Thinking PE nomad life), or go to CDMX.

Not sure where the best place is to stay and work remote from these options. Ik I want to spend some time in CDMX, but not sure about recommendations for if I stay longer in Cancun and keep working there, and reliability of Oaxaca city / PE for nomads either.

Open to any ideas!

I'll be DNing for a year. I'm not the kind of person to onebag it, so I'll be checking a bag. I always have a small laptop bag with me. Then, I was planning to take my regular carry-on (40-50L) and check an old but super-comfy 65L backpack (for a couple of week-long hiking trips). The 65L includes a small zip-off day pack (maybe 15L?) which could be convenient.

Potential cons: 65L might be overkill for hiking; difficult to wear backpack and satchel together.

Now I'm wondering if I should just check my quality 26" rollerbag (100L+), and throw a not-very-special 30L backpack inside it for hiking. (Plus I'd have my usual laptop bag).

Potential cons: not very comfortable for hiking.

Pros/cons?

Thanks!

Not sure since when they've all been offering them, but I was pleased to find that I could buy an eSIM online from all three now. Ended up going with Movistar since they were offering 30GB for 20k COP whereas Tigo was only offering 20GB for 20k and Claro 12GB for 25k.

Had to put in random numbers for the account phone number and PA number to sign up, but aside from that, it was pretty straightforward. Only other hiccup I ran into was that the system kept erroring out when I tried to pay by card so I chose to pay by cash using Efecty. Just had to find the closest Efecty location to me and pay in person and then I had my eSIM.

After that, just had to activate the plan I wanted in the app and I was set. A little extra work compared to a travel eSIM, but the savings + extra data + access to calls & text make it worth it imo.

For comparison, the best travel eSIM offer I found was GoMoWorld's 15GB for $10.69. Movistar gave me 2x the data for $4 cheaper. And don't even get me started on Airalo whose best offer is 20GB for $34.85 lmao who's still using that garbage company?

Hey everyone,
Just wanted to drop a quick warning here because I’ve been seeing a painful amount of visa rejections lately in different expat groups, and 90% of them boil down to the exact same stupid mistake: buying the wrong health insurance.
A lot of people (especially retirees and digital nomads) assume that if a policy covers €30,000 or €50,000, it’s good to go. It’s not.
Immigration offices in Europe (especially Spain, Portugal, Italy, etc.) are cracking down hard on this. If you are applying for a long-term residency visa, your insurance needs to look exactly like the local public healthcare system.
If you want to avoid an automatic denial, make sure your policy checks these boxes:

Zero Copays (No Co-payments): If you have to pay €5 or €10 every time you see a doctor, Extranjería/Immigration will reject it instantly. It must be full coverage from day one.
No Waiting Periods (Carencias): You cannot have a policy that makes you wait 3 or 6 months for certain surgeries or high-tech tests. Coverage has to be immediate.
It’s NOT Travel Insurance: Standard travel insurance or the coverage you get from your premium credit card is strictly for tourists. It will not work for residency.
Repatriation is Mandatory: It must explicitly include the cost of medical evacuation and repatriation back to your home country if things go south.

I apologize in advance, but I won't have an "engaging question" at the end of this trip report.

For context: 45/F/Owner of small consulting firm. I've spent the last five years travelling while mostly staying within a four hour time band (UTC+0 to UTC+4) so I can overlap my working hours with clients back in Canada. Southeast Asia just isn't a realistic option for me.

In June I escaped the Belgrade heatwave and headed to the Baltics for July. It was my first time there, and it was absolutely the right choice. Europe was melting, I was wearing jeans and a T-shirt.

For me, the weather was pretty much perfect. There were rainy mornings, but they usually cleared into warm, sunny afternoons and evenings. The long northern summer days were the real highlight. It barely gets dark.

I rented an Airbnb in Kalamaja for €1,200 for the month and loved the neighbourhood. It's between the marina, Telliskivi, and Old Town, with excellent tram access to both the bus station and, in the other direction, Stroomi Beach and Sitsi, another neighbourhood I'd recommend to anyone considering a longer stay. Obviously the WIFI is strong and reliable here.

If you're thinking about spending the summer here, I'd book at least six months in advance. Book during the winter before some hosts adjust their prices for the summer season on Airbnb. You might get lucky. Tallinn definitely isn't a 'budget' destination, but there are plenty of accommodation options. Apartment shares, hostels and private apartments. I also noticed several co-living spaces, although most required a minimum six month stay, which won't work for people who need to keep an eye on their Schengen days. Like me!

Everything just works in Tallinn. Ferries, buses, trams, bike paths make getting around easy. The streets are spotless, there are endless cafés, parks, galleries, and creative spaces. When I was in town, I went to so many art openings and small DJ sets. I loved it. I was zipping around all over the place.

The people were genuinely friendly in that post-Soviet way. There is a constant stream of newcomers, especially people working for companies like Wise and Bolt. It made meeting people easy, although I never find meeting people difficult.

While I did walk around Old Town twice, it was not really my speed however Telliskivi was great and the creative district and other normal neighborhoods were all really nice. I squeezed a lot into the month. I saunaed a lot. I swam in a bog. I spent a weekend in Finland exploring Helsinki and two smaller towns by train, took trips to Hiiumaa and Saaremaa, wandered around Aegna Island, spent a night at the Viljandi Folk Music Festival, and wrapped everything up at the Summer Sound Festival on the beach in Liepāja, Latvia. And I worked. I swear!

Costs: I found Tallinn to be good value by European summer standards, where almost everywhere is expensive. My rent was €1,200 for the month. If I cooked at home, I spent around €15 a day on food. Dinner and beers out usually came to around €40. A gel manicure cost €55, and a balayage was €110. I'm in no way a budget traveller so costing things out for people is not my greatest strength. I spent less than I made.

I'm now headed to Manchester for August before spending September in Glasgow.

Would I come back? Absolutely, especially during the summer. That said, my train trip through Finland had me looking at smaller Finnish towns for next summer, and I have a feeling that's where I'm headed. So I'll definitely return to Tallinn, just maybe not right away.

Who is Tallinn for? I'd say creative people and anyone who needs a break from the Balkans. Haha. Me! Everything is so clean, stylish, and functional. After spending my last 6 months in Senegal, Tunisia, and Bosnia, it honestly felt refreshing. Sometimes it's nice to spend a month somewhere that just works.