Officially two exams away from graduating!!!

How we used geographic arbitrage to pursue our dreams (and enrich our lives)

Howdy. My name is Michael Robinson. While J.D. is visiting Europe with his cousins, I volunteered to share how my wife and I have leveraged the power of geographic arbitrage to pursue our dreams and to build our wealth. Geographic arbitrage means taking advantage of the differences in prices between various locations. You earn money in a stronger economy (San Francisco, maybe, or the U.S. in general) and spend it in a weaker economy (South Dakota or Ecuador, for instance). Geographic arbitrage is a powerful tactic worth considering if you want to increase your saving rate so that you can better pursue your financial goals. Several times over the course of our lives together so far, my wife and I have managed to unwittingly stumble upon the benefits of geographic arbitrage. If you've ever chosen your vacation destination based on how strong the country's currency is opting to visit England when the pound was weak, maybe then you've practiced geographic arbitrage. Today, I'm going to share three examples of how the concept has impacted our lives and helped us to achieve financial independence at 33. I hope these examples will spark some ideas for how you might be able to leverage geographic arbitrage along your financial journey as well. About Us I met my wife Ellen in Cuernavaca, Mexico in 2004. We were both studying Spanish at the same language school. I was there to earn the last few credits I needed to complete a minor in Spanish. Ellen hoped the months of Spanish immersion would help her land a job as a bilingual elementary teacher in the Pacific Northwest. Despite Ellens intention to avoid befriending any native English-speaking gringos like me, we hit it off right away and quickly became close friends. As our months together in Mexico wound down, Ellens efforts paid off and she was hired by a bilingual elementary school in Shelton, Washington. I graduated and was offered a position as an international sales manager. Ellen and I started a long-distance relationship that summer and I moved out to Washington to join her as soon as I could.

Losing One Income Without Noticing It Our first experience with geographic arbitrage was unintentional. We didn't even realize what we were doing at the time. After Ellens first two years as a bilingual teacher, she asked her principal for a one-year leave of absence so she could return to Mexico and further improve her Spanish proficiency. Her principal agreed and we packed up and headed to Guadalajara for the 2007-2008 school year. Although we lost Ellens annual $30,000 salary, we didnt feel it much because our cost of living was considerably lower during that year in Mexico. Our apartments in Washington had each cost us $800-$900 per month. In Mexico, we were able to find a suitable apartment to share for around $400 per month. Groceries and other goods and services were all also considerably cheaper. Geographic arbitrage allowed us to maintain our standard of living in Mexico despite the loss of one income. Taking Advantage of Taxes During all of our highest-earning years, Ellen and I happened to live in Nevada, Washington, and Texas all locations without state income tax. While avoiding state income tax is obviously appealing, these states make up for that lost revenue by increasing taxes in other areas. Nevada: There is no personal or corporate income tax because the state collects billions of dollars each year in the form of gambling taxes and fees. While we lived there, I gambled with exactly $0 of my money, avoiding this tax altogether.Washington: Here we had one of the highest sales tax rates in the country (8.88%) and high gas prices on account of higher gasoline taxes. While we lived there, we didnt consume a lot compared to most households, which lowered our sales tax burden. I also worked from a home office and Ellen taught at a nearby school so we didnt really use inordinate amounts of gasoline either.Texas: Here we also had a high sales tax rate (8.25%) and lived in the state with the fourth-highest property tax rate in the country incredibly, we owed over 2% of our homes value every year in property taxes! In Texas, we maintained our relatively frugal lifestyle, again reducing our exposure to the higher sales tax burden. And although we were pre-approved for an inexplicably high $750,000 mortgage in 2007 (on our two five-figure incomes no less!), we chose to instead take on a $100,000 mortgage and buy a starter home less than a mile from the office where we knew Id be working. We moved to Colorado in 2016, the same year we both stopped working full-time. This is the first state weve lived in together where weve been charged state income tax (a middling 4.63%, the 23rd-lowest in the country). But we have low property taxes and the lowest state sales tax in the country (out of states collecting sales tax). Although we're now paying state income tax in Colorado, our earned income as early retirees is predictably the lowest its been in our fourteen-year relationship. And although weve bought a home that cost us almost three times as much as what we paid for our Texas home, were actually paying less each year in property taxes. Bonus fact for money nerds! For anyone curious, heres the complete list of states with no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Note, however, that while New Hampshire currently charges no state income tax on earned income, it does tax investment income. Also, Tennessee currently charges no state income tax on earned income, but does tax some dividends and interest income. However, Tennessee has announced plans to phase out state income taxes altogether by 2022. Making Money with Airbnb Our most recent experience with geographic arbitrage was more deliberate. When we learned that 31 October 2016 was going to be my last day of full-time work, it didnt take us long to devise a plan to return to Latin America, this time with our two young children. In our research, we quickly discovered The Earth Awaits, a useful tool for comparing the crime statistics, pollution levels, and cost of living of various cities around the world. (Get Rich Slowly reviewed The Earth Awaits last year.)

At the time, Cuenca, Ecuador was the only Latin American city in their database that had earned the designations low crime and low pollution. Since we were traveling there with a nine-month-old and a two-year-old, those seemed like great characteristics to us! We did some additional research on similar tools and local expat forums, and only became more and more interested in visiting the city. Heres a short promo video showcasing Cuenca and the surrounding Andean mountain region. [embedded content] Shortly after we decided to spend our first winter in Cuenca, I had another ambitious idea. I felt it would be wasteful for our house to sit empty for three months while we were traveling, so I proposed to Ellen that we experiment with hosting our home on Airbnb while we were away. She was resistant at first, and rightly so. It was going to take a lot of work to get our home ready and sort out who would manage everything while we were away, among other things. But she came around to the idea and we gave it a go. We've discussed our Airbnb hosting experience in more detail in the following articles at our website, and we've done a fair amount of Airbnb hosting since. We were very impressed with the success of our Airbnb experiment. Our homes first ever booking was $1,890 for 8 nights! While we choose not to publish our net worth and our monthly expenses in dollars for personal reasons, Ive prepared the following chart to illustrate the impact Airbnb had on our financial picture while we were traveling.

Let's look at these numbers: Expenses: Our standard monthly expenses are represented on the chart as 100%. Weve been tracking our expenses in Mint since 2008 and Personal Capital since 2013. Before that, I tracked another decade of our expenses in desktop budgeting software. So we feel pretty confident in our understanding and control of our monthly expenses.Traveling Expenses: This shows approximately how much our monthly expenses dropped during our 6 months (two winters) in Cuenca.Potential Portfolio Income: This shows our safe monthly spending level should we live solely off of our investment portfolio per the 4% rule.Uncommon Dream Income: Although neither of us work full-time, I enjoy doing a day or two each week of consulting and we earn a small amount of income from our blog.Rental Income: This represents the monthly income weve been able to earn through Airbnb while were traveling. In case you missed it, let me draw your attention to an important point: Our monthly expenses while we were living in Cuenca were actually lower than our monthly Airbnb income. So, if we hadnt spent over a decade accumulating a portfolio of assets that could cover our living expenses, and if we werent continuing to earn any income, our Airbnb rental income alone still could have covered our cost of living abroad! This actually exceeded my own expectations for our Airbnb experiment. I also need to point out that we prioritized paying off our first home during the 2008-2009 recession. And we havent carried a mortgage since. The potential is certainly magnified by the absence of a mortgage. But even homeowners with a mortgage or renters may very well be able to cover their housing related bills this way, freeing them up to more affordably slow travel. If you're interested in becoming an Airbnb host, you can sign up with this link. Closing Thoughts When I ask people what they would do if money weren't a factor, traveling abroad often makes the list. While travel is a common desire, everyones specific motivations vary. Some dream of learning another language while others are drawn to an areas unique geographical features. Still others seek to experience life in a radically different culture. For most of us though, money is a factor. But thats no reason to give up on the dream of traveling abroad. Living costs around the world vary tremendously and many great destinations are quite affordable. Weve met a number of people living abroad who fund their overseas lifestyles in creative ways. Some live on personal savings while others rely on income from rental properties back home. Some work remotely while others find local work. A few of our expat friends have even started companies abroad. If travel is a priority for you, don't let your current financial situation act as a barrier. Get creative. Use tools like The Earth Awaits to discover affordable places to live. Leverage the power of geographic arbitrage to pursue your dreams!

Author: Michael Robinson Michael and his wife Ellen achieved financial independence at 33 and retired early at 36. Now they're raising two kids in Colorado (and abroad) while writing about money, life, and their familys adventures at Uncommon Dream. https://www.getrichslowly.org/geographic-arbitrage/

Get to Know Tag

So I was invited to do this by @soundtracks2life​

Name: Almeera but my closest friends call me Eshi. Sometimes, I think people don’t know my real name is Almeera. I’d like to be called Almeera more. Star Sign: Leo Gender: Female Height: 5′3″ (5′4″ on my good days.) Orientation: Heterosexual Favorite Color: Red Time Right Now: 9:03 PM. We just got home from a trip. Current Location: Home, Philippines. Average Hours Of Sleep: 6 hours. Last Thing I Googled: Snake exoskeleton. I’m a biologist. Lucky Number: I’d like to think it’s 18 or 8 but I’m not really lucky. Number Of Blankets I Sleep Under: When you live in the Philippines, one is too much but I sleep with one blanket even if it’s scorching just to keep the mosquitoes away. I am allergic to mosquito saliva. Favorite Fictional Character: Hermione or McGonagall from Harry Potter, that guy from Dune by Frank Herbert (I read it a long time ago), Prince Caspian from Narnia, Captain Wentworth from Jane Austen’s Persuasion, and probably many more but I am exhausted from our trip so I can’t think. Favorite Book: At the top of my head, I liked Milan Kundera’s The Unbearable Lightness of Being, Prisoner of Azkaban, Persuasion by Jane Austen, Dune by Frank Herbert. Dream Job: Be a doctor and teacher and librarian and researcher and traveler. What I’m Wearing: I just had a bath and I’m wearing a top that’s too fancy to sleep in but oh well and some ratty old shorts. Random Fact: I double-knot my shoe laces. When Did You Create Your Blog?: When I was in high school, aka A LOOONG TIME AGO. Do You Have Other Blogs?: Yes, a private, password-protected blog where I write poems. Who Is Your Most Active Follower?: I don’t know. What Made You Get A Tumblr: One of my oldest friends told me to make one because it’s a cool site. Do You Get Asks On A Daily Basis: No. In a parallel universe, maybe. Why Did You Choose Your URL: I love Jane Austen and thought austentatious would be cool as a play on its homophone--ostentatious which was the deepest word I knew back in high school. I tried to be so complicated back then and I just stuck with it--call it branding.

Invade My Privacy Tag

1. Did you wake up cranky? When I haven’t gotten any sleep and someone switches on my light or makes loud sounds that woke me up from REM sleep. 2. Would you date an 18-year-old at the age you are now? No. I’m turning 23 in a few months. That’ll be a huge age gap for me. I’d prefer dating a not-so older guy. 3. Do you prefer to be friends with girls or boys? I used to prefer boys as they are less drama but people are people. I don’t have a preference anymore. Just be a sensible person. 4. Would you ever smile at a stranger? On occasion. Not all the time because I’d like to be invisible. 5. Can you commit to one person? Yes. The question is, could a person commit to me? 6. How do you look right now? Fresh, tanner, sleepy. 7. What exactly are you wearing right now? A mismatch of fancy top and ratty shorts. 8. How often do you listen to music? I used to listen to it everyday, whenever I’m not in class but these days, I seldom listen. 9. Do you wear jeans or sweats more? sweats. 10. Did you think your life will change dramatically before 2017? Yes. 2016 was the year I graduated, my Dad went to my graduation (this is ground-breaking because my parents aren’t together and he has a family and I haven’t seen him in 16 years). Also, I planned on going to medical school for sure in October 2016 (when I took the NMAT). That was the fiercest decision I had to make. 11. Are you a social or an antisocial person? Anti-social is too extreme. I don’t socialize if I can avoid but I am not totally opposed to it either. I socialize when I HAVE to so I’d say I’m more of an asocial 12. If the person you like says they like someone else, what would you say? I would never be the first to admit I like the person so if he tells me he likes someone else, I am safe from the embarrassment. I’ll probably act cool, shrug it off but deep inside I’ll be chiding myself for liking someone who can’t like me back. I’ll be able to move on pretty easily. I don’t create situations where I get invested too much. I am not comfortable about feelings and people. 13. Are you good at hiding your feelings? Every emotion except for anger. I get pissed off easily. I need to be kinder to people and myself but I am just so easily pissed off. 14. Can you drive a stick shift?  I can’t drive and I don’t want to drive. I am not confident about my eyes’ capability to assess road situations which is why I have to be rich so I can hire myself a driver. 15. Do you care if people talk badly about you? Yes. I think they talk badly about me even before they do, even if they really don’t but I try not to be openly affected by it. 16. Are you going out of town soon? Just went out-of-town a while ago but I will be going out-of-town in a few days to get lab exams done for my health record. 17. When was the last time you cried? Last month while watching Good Doctors. 18. Have you ever liked someone you didn’t expect to? Yes. It’s odd. Very odd. I moved on. 19. If you could change your eye color, would you? I wanted to have gray or green eyes but it probably won’t work with my complexion. I have brown eyes and brown hair. It’s enviable in some places?  20. Name something you have to do tomorrow? Do the laundry because I haven’t washed the clothes I wore from two weeks ago. 21. Name something you dislike about the day you’re having? That I didn’t get to swim in the beach as much as I’d like to. We were supposed to go to another beach but we got lost. I slept through the whole debacle but I’m not happy to wake up and realize we’re on our way home when I slept thinking I’d get to swim more. P.S. I can’t swim. I should say float and play on the water instead of swim. 22. Have you ever liked one of your best friends of the opposite sex? The last time I had a best friend was in fifth grade and all my friends were girls then. 23. Are you nice to everyone? I am not a nice-nice person but I try to nice. I’m more civil, actually. I am not easy to get-to-know in person. I am shy and awkward at first and I don’t like being totally nice because I think I’ll be a push-over then. I don’t like being vulnerable. 24. What are you sitting on right now? Wooden chair. 25. Do you think you can last in a relationship for 6 months and not cheat? Of course. I may not be nice but I still afford people respect. 26. Have you ever wanted someone you couldn’t have? What does it mean to want someone? 27. Who was the last person you talked to before you went to bed last night? My brother. I showed him Return of the Superman videos. 28. Do you get a lot of colds? Nope but on the off-chance that I get one, it’s pretty bad. 29. Have your pants ever fallen down in public? No. 30. Does anyone hate you? Probably. I’m not that likable. I believe people tolerate me. Maybe I should trust my friends more but I don’t even like myself sometimes so I can’t imagine people liking me. I plan to work on that. 31. Do you have someone of the opposite sex you can tell everything to?No. 32. Do you like watching scary movies? YES. 33. Are you a jealous person? For major reasons like this person is getting their shit together and I hope I do too, or this person seemingly gets to have it easy but I try to think about that ‘seemingly.’ Maybe something’s off in their life too that I just don’t know about and maybe they also have something to envy although it may not be obvious to me. 34. If you had to delete one year of your life completely, which would it be? 6th grade. Please. Let me just redo that year so I don’t reminisce and regret and cringe at old self. 35. Did you have a dream last night? I slept this morning. I probably had a dream but I forgot it now. I hopped through numerous islands today and that was exciting!!! 36. Is there anyone you can tell EVERYTHING to? No. 37. Do you think you’ll be married in 5 years? LOL, I’ll still be in school. I can’t see myself getting married. I haven’t even dated anyone legitimately. It’s hard to daydream such things when I want to focus on getting my shit together. 38. Do you think someone has feelings for you? I don’t think so. My gap year has been people-less. I hung out with my college friends and went to trips with my family. Haven’t met anyone substantially new and interesting. 39. Do you think someone is thinking about you right now? No. 40. Did you have a good day yesterday? Exhausting. 41. Think back 2 months ago; were you in a relationship? I can think back to the past five years and still be able to say no. A decade even. 42. Is your life anything like it was two years ago? Nope. For one, I was in school and struggling back then. I took some shitty profs for not-shitty classes. I got grades below average despite trying to work hard. I was set on going to graduate school then. 43. If the person you wish to be with were with you, what would you be doing right now? Going on that road trip. 44. What’s the best part about school? Learning, not necessarily inside the classroom. I was an active org member and I was so inspired everyday that I work with different people of different ages and motivations. 45. Do you have any pictures on your Facebook? Yep. 46. Do you ever pass notes to your friends in school? We used to. I remember passing notes during Genetics. Whenever we have something to react to that is not about the lecture. In Cell Mol too! There was an okra clipart in our prof’s powerpoint presentation and I have no idea if that was a trick to see who’s listening but it was super odd and funny I just had to ask my seatmates if they saw. 47. Do you replay things that have happened in your head? Yes. I write in my head about imagined scenarios. 48. Were you single over the last summer? Yes. When was I not? 49. What are you supposed to be doing right now? Sleeping. 50. Don’t tell me lies, is the last person you texted attractive? I think I texted my Mom? She’s beautiful.

EDIT: I was supposed to tag someone. Haha. I tag @feel-o-sophy, @thesociallyawkwardprincess, and @ergo-i-blog

Because these are fun

1:Full name: Not comfortable sharing that

2:Zodiac sign: Libra 

3:3 fears: ladders, loneliness

4:3 things I love: my cats and boyfriend and laptop and dogs

5:4 turn on’s: tattoos, good hair, smoking, choking, hickeys

6:4 turn off’s: trump supporters

7:My best friend: my boyfriend

8:Sexual orientation: pansexual

9:My best first date: went to a concert (styg, stray from the path, knocked loose), was soo much fun, and also my first concert with a s/o

10:How tall am I: 5′7

11:What do I miss: my nana, being confident in myself and those around me

12:What time was I born? like 5:30 am 

13:Favorite color? grey

14:Do I have a crush? on my boyfriend, and cole sprouse

15:Favorite quote? “

16:Favorite place? Algonquin park

17:Favorite food? Pizza

18:Do I use sarcasm? Never

19:What am I listening to right now? Flaked Season 2 on Netflix

20:First thing I notice in new person? Shoes, hair, actions

21:Shoe size? Women’s 9.5, Mens 8.5

22:Eye color? Shit brown :))

23:Hair color? Naturally: Brown, Currently: Blonde, Previously: Pink

24: Favorite style of clothing? Uhm idk like casual/skate/dude clothes

25:Ever done a prank call? When I was like 11, but i grew tf up

26:What color of underwear I’m wearing now? I’m not..

27:Meaning behind my URL? Lord of the Rings (on a comedy video)

28:Favorite movie? ^

29:Favorite song? 

30:Favorite band? Don’t know, either The Wonder Years, Pink Floyd, The Tragically Hip

31:How I feel right now? Kinda shitty

32:Someone I love. Aaron

33:My current relationship status. In a relationship, one year at the end of the month.

34:My relationship with my parents. Was pretty fucked up for a while, I got kicked out and shit but now we’re civil and they buy me stuff to suck up for the shit they put me through/

35:Favorite holiday. 

36:Tattoos and piercing I have. I have my nose pierced, three 18g holes p/ear and one 10mm hole p ear.

37:Tattoos and piercing I want. I want to get a second nose piercing, maybe a septum, and my 10mm holes are going up to 22mm as we speak, I also intend to get an assload of tattoos when I’m no longer broke.

38:The reason I joined Tumblr. Joined it when I was like 12.. so I don’t know, just because it was ANOTHER form of social media for me to have.

39:Do I and my last ex hate each other? I hate him because he’s a rapist piece of shit and I’m sure he doesn’t even think of me so.

40:Do I ever get “good morning” or “good night” texts? No.

41:Have I ever kissed the last person I texted? Idek who the last person I texted was.

42:When did I last hold hands? Last night

43:How long does it take me to get ready in the morning? Depends what my hairs like, if it’s good, then 15 mins, if it’s shit then 35mins.

44:Have I shaved my legs in the past three days? Yeah

45: Where am I right now? On the couch at my boyfriends grandparents.

46:If I were drunk & can’t stand, who’s taking care of me? Maybe my boyfriend, maybe a nurse 

47:Do I like my music loud or at a reasonable level? LOUD

48:Do I live with my Mom and Dad? No

49:Am I excited for anything? I’m going to see Roger Waters in October and I’m moving in 1-3 months.

50:Do I have someone of the opposite sex I can tell everything to? My boyfriend.

51:How often do I wear a fake smile? Often.

52:When was the last time I hugged someone? Earlier today I think

53:What if the last person I kissed was kissing someone else right in front of me? I’d fucking leave him and move alone and go back to fucking instead of dating (other people obv)

54:Is there anyone I trust even though I should not? Maybe

55:What is something I disliked about today? Got into a couple pissing matches with the boy.

56:If I could meet anyone on this earth, who would it be? Gord Downie

57:What do I think about most? The amount of debt I’m in

58:What’s my strangest talent? Licking my nose maybe?

59:Do I have any strange phobias? I don’t know..

60:Do I prefer to be behind the camera or in front of it? Behind all the way

61:What was the last lie I told? “I don’t want anything to eat rn”

62:Do I prefer talking on the phone or video chatting online? NEITHER

63:Do I believe in ghosts? How about aliens? Ghosts: no. Spirits: Yes. Aliens: no, Extra-terrestrial life on another planet potentially in a different solar system: Yes.

64:Do I believe in magic? No

65:Do I believe in luck? I don’t know

66:What’s the weather like right now? Shitty, cloudy, cold, and dark

67:What was the last book I’ve read? The Handbook of Human Sexuality

68:Do I like the smell of gasoline? Uhh yeah

69:Do I have any nicknames? -----

70:What was the worst injury I’ve ever had? Probably when I fractured my skull as a kid. Or the two times I broke my clavicle in the SAME spot like 3 years apart lmao.

71:Do I spend money or save it? I’m a compulsive spender

72:Can I touch my nose with a tongue? Yep

73: Is there anything pink in 10 feet from me? I don’t think so

74:Favorite animal? Elephant maybe

75:What was I doing last night at 12 AM? Same thing as I’m doing now basically... fuck all

76:What do I think Satan’s last name is? He doesn’t have one/exist

77:What’s a song that always makes me happy when I hear it? I believe by Stevie Wonder

78:How can you win my heart? Be a decent person and show the fucking world that I’m yours and you’re mine.

79: What would I want to be written on my tombstone? “fuck all you cunts from my hometown”

80:What is my favorite word? cunt

81:My top 5 blogs on tumblr? nah

82:If the whole world were listening to me right now, what would I say? “stop polluting, kill trump, learn how to give a girl good head, end world hunger, adopt dont shop, support everyone regardless, cherish each other”

83:Do I have any relatives in jail? I don’t think so, but maybe

84:I accidentally eat some radioactive vegetables. They were good, and what’s even cooler is that they endow me with the super-power of my choice! What is that power? To be able to like pause life and be the only one who isn’t paused but I don’t age on pause so it’s chill. Or to turn off my bad emotions whenever I want

85:What would be a question I’d be afraid to tell the truth on? I don’t know, I;m pretty open

86:What is my current desktop picture? My dog 

87:Had sex? Daily

88:Bought condoms? Hate them, but yeah

89:Gotten pregnant? No

90:Failed a class? Yeah

91:Kissed a boy? Yeah

92:Kissed a girl? Yeah

93:Have I ever kissed somebody in the rain? Yeah

94:Had job? Yeah

95:Left the house without my wallet? The worst!!

96:Bullied someone on the Internet? No... well maybe this one stupid piece of shit that raped my friend, posted her nude pics on a porn website and harasses her to this day. But I think that’s with warrant to bully so idc

97:Had sex in public? In a few places...

98:Played on a sports team? Other than school, no

99:Smoked weed? Daily

100:Did drugs? some

101:Smoked cigarettes? Yep

102:Drank alcohol? Yep

103:Am I a vegetarian/vegan? Used to be 

104:Been overweight? Currently am

105:Been underweight? Yep

106:Been to a wedding? Yep

107:Been on the computer for 5 hours straight? Most of the time

108:Watched TV for 5 hours straight? Yep

109:Been outside my home country? Yep

110:Gotten my heart broken? Sort of

111:Been to a professional sports game? No

112:Broken a bone? Skull, elbow, clavicle x 2, wrist x3, most of my toes, both my thumbs, my left ring finger, my ankle, and foot.

113:Cut myself? Used to

114:Been to prom? Fuck prom

115:Been in airplane? Yep

 116: Fly by helicopter? No

117:What concerts have I been to? To name a few (not even close to 1/4 of them: The wonder Years x4, Moose Blood x2, Neck Deep, Real Friends x3, Modern Baseball x3, Knocked Loose, Stick to Your Guns, etc...

118:Had a crush on someone of the same sex? Yep

119:Learned another language? Started to learn german, dropped it. Spoke some french but I’m rusty.

120:Wore make up? Most days

121:Lost my virginity before I was 18? Way before I was 18

122:Had oral sex? Yeah

123:Dyed my hair? Every few months for the last like 4-5 years

124:Voted in a presidential election? Not yet.. 2019 here I come

125:Rode in an ambulance? No

126:Had a surgery? Small one

127:Met someone famous? A few people.. Dan Campbell from the Wonder Years being one of them

128:Stalked someone on a social network? In an innocent-ish “what the fuck is my boyfriend doing liking your slutty pics” stalking

129:Peed outside? Yep

130:Been fishing? Yep

131:Helped with charity? Yep

132:Been rejected by a crush? No

133:Broken a mirror? Yep

134:What do I want for birthday? A camera

135:How many kids do I want and what will be their names? 2-3. Nora, Avalyn, and idk maybe Declan, Jax, Quinn?

136:Was I named after anyone? No

137:Do I like my handwriting? Sometimes

138:What was my favorite toy as a child? Pogs, Pokemon Cards, Idk I mostly read books

139:Favorite TV Show? Shameless is lit

140:Where do I want to live when older? I don;t know yet, used to be Alaska but the US is fucked rn

141:Play any musical instrument? A little piano, tried guitar

142:One of my scars, how did I get it? one on my hand is shaped like a dick.. i stuck my hand in a fire to get a cigarette that dropped when i was drunk and burned the fuck outta my hand, when it scarred the center got prominent, and dick shaped

143:Favorite pizza topping? Bacon

144:Am I afraid of the dark? No

145:Am I afraid of heights? A little

146:Have I ever got caught sneaking out or doing anything bad? Yeah, I’ve been caught sneaking out and smoking pot and getting drunk when I was supposedly studying or having a quiet movie night in

147:Have I ever tried my hardest and then gotten disappointed in the end? All the time

148:What I’m really bad at. Life, keeping my temper in check

149:What my greatest achievements are. I graduated high school, and got into college and university

150:The meanest thing somebody has ever said to me. “fat homewrecking bitch”.. but it wasn’t the truth

151:What I’d do if I won in a lottery. Pay off my debt and adopt a load of animals in need

152:What do I like about myself? I got some nice eyelashes, and a nice rack

153:My closest Tumblr friend. ------

154:Something I fantasies about. Cole Sprouse 

155:Any question you’d like -------

How we used geographic arbitrage to pursue our dreams (and enrich our lives)

Howdy. My name is Michael Robinson. While J.D. is visiting Europe with his cousins, I volunteered to share how my wife and I have leveraged the power of geographic arbitrage to pursue our dreams — and to build our wealth.

Geographic arbitrage means taking advantage of the differences in prices between various locations. You earn money in a stronger economy (San Francisco, maybe, or the U.S. in general) and spend it in a weaker economy (South Dakota or Ecuador, for instance).

Geographic arbitrage a powerful tactic worth considering if you want to increase your saving rate so that you can better pursue your financial goals. Several times over the course of our lives together so far, my wife and I have managed to unwittingly stumble upon the benefits of geographic arbitrage.

If you've ever chosen your vacation destination based on how strong the country's currency is — opting to visit England when the pound was weak, maybe — then you've practiced geographic arbitrage.

Today, I'm going to share three examples of how the concept has impacted our lives and helped us to achieve financial independence at 33. I hope these examples will spark some ideas for how you might be able to leverage geographic arbitrage along your financial journey as well.

About Us

I met my wife Ellen in Cuernavaca, Mexico in 2004. We were both studying Spanish at the same language school.

I was there to earn the last few credits I needed to complete a minor in Spanish. Ellen hoped the months of Spanish immersion would help her land a job as a bilingual elementary teacher in the Pacific Northwest.

Despite Ellen’s intention to avoid befriending any native English-speaking gringos like me, we hit it off right away and quickly became close friends.

As our months together in Mexico wound down, Ellen’s efforts paid off and she was hired by a bilingual elementary school in Shelton, Washington. I graduated and was offered a position as an international sales manager.

Ellen and I started a long-distance relationship that summer and I moved out to Washington to join her as soon as I could.

Losing One Income Without Noticing It

Our first experience with geographic arbitrage was unintentional. We didn't even realize what we were doing at the time.

After Ellen’s first two years as a bilingual teacher, she asked her principal for a one-year leave of absence so she could return to Mexico and further improve her Spanish proficiency. Her principal agreed and we packed up and headed to Guadalajara for the 2007-2008 school year.

Although we lost Ellen’s annual $30,000 salary, we didn’t feel it much because our cost of living was considerably lower during that year in Mexico.

Our apartments in Washington had each cost us $800-$900 per month. In Mexico, we were able to find a suitable apartment to share for around $400 per month. Groceries and other goods and services were all also considerably cheaper.

Geographic arbitrage allowed us to maintain our standard of living in Mexico despite the loss of one income.

Taking Advantage of Taxes

During all of our highest-earning years, Ellen and I happened to live in Nevada, Washington, and Texas — all locations without state income tax.

While avoiding state income tax is obviously appealing, these states make up for that lost revenue by increasing taxes in other areas.

Nevada: There is no personal or corporate income tax because the state collects billions of dollars each year in the form of gambling taxes and fees. While we lived there, I gambled with exactly $0 of my money, avoiding this tax altogether.

Washington: Here we had one of the highest sales tax rates in the country (8.88%) and high gas prices on account of higher gasoline taxes. While we lived there, we didn’t consume a lot compared to most households, which lowered our sales tax burden. I also worked from a home office and Ellen taught at a nearby school so we didn’t really use inordinate amounts of gasoline either.

Texas: Here we also had a high sales tax rate (8.25%) and lived in the state with the fourth-highest property tax rate in the country — incredibly, we owed over 2% of our home’s value every year in property taxes! In Texas, we maintained our relatively frugal lifestyle, again reducing our exposure to the higher sales tax burden. And although we were pre-approved for an inexplicably high $750,000 mortgage in 2007 (on our two five-figure incomes no less!), we chose to instead take on a $100,000 mortgage and buy a starter home less than a mile from the office where we knew I’d be working.

We moved to Colorado in 2016, the same year we both stopped working full-time. This is the first state we’ve lived in together where we’ve been charged state income tax (a middling 4.63%, the 23rd-lowest in the country). But we have low property taxes and the lowest state sales tax in the country (out of states collecting sales tax).

Although we're now paying state income tax in Colorado, our earned income as early retirees is predictably the lowest it’s been in our fourteen-year relationship.

And although we’ve bought a home that cost us almost three times as much as what we paid for our Texas home, we’re actually paying less each year in property taxes.

Bonus fact for money nerds!

For anyone curious, here’s the complete list of states with no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming.

Note, however, that while New Hampshire currently charges no state income tax on earned income, it does tax investment income.

Also, Tennessee currently charges no state income tax on earned income, but does tax some dividends and interest income. However, Tennessee has announced plans to phase out state income taxes altogether by 2022.

Making Money with Airbnb

Our most recent experience with geographic arbitrage was more deliberate.

When we learned that 31 October 2016 was going to be my last day of full-time work, it didn’t take us long to devise a plan to return to Latin America, this time with our two young children.

In our research, we quickly discovered The Earth Awaits, a useful tool for comparing the crime statistics, pollution levels, and cost of living of various cities around the world. (Get Rich Slowly reviewed The Earth Awaits last year.)

At the time, Cuenca, Ecuador was the only Latin American city in their database that had earned the designations “low crime” and “low pollution”.

Since we were traveling there with a nine-month-old and a two-year-old, those seemed like great characteristics to us! We did some additional research on similar tools and local expat forums, and only became more and more interested in visiting the city.

Here’s a short promo video showcasing Cuenca and the surrounding Andean mountain region.

Shortly after we decided to spend our first winter in Cuenca, I had another ambitious idea.

I felt it would be wasteful for our house to sit empty for three months while we were traveling, so I proposed to Ellen that we experiment with hosting our home on Airbnb while we were away.

She was resistant at first, and rightly so. It was going to take a lot of work to get our home ready and sort out who would manage everything while we were away, among other things.

But she came around to the idea and we gave it a go. We've discussed our Airbnb hosting experience in more detail in the following articles at our website, and we've done a fair amount of Airbnb hosting since.

Our Airbnb Experiment, Part 1

Our Airbnb Experiment, Part 2

We were very impressed with the success of our Airbnb experiment. Our home’s first ever booking was $1,890 for 8 nights!

While we choose not to publish our net worth and our monthly expenses in dollars for personal reasons, I’ve prepared the following chart to illustrate the impact Airbnb had on our financial picture while we were traveling.

Let's look at these numbers:

Expenses: Our standard monthly expenses are represented on the chart as 100%. We’ve been tracking our expenses in Mint since 2008 and Personal Capital since 2013. Before that, I tracked another decade of our expenses in desktop budgeting software. So we feel pretty confident in our understanding and control of our monthly expenses.

Traveling Expenses: This shows approximately how much our monthly expenses dropped during our 6 months (two winters) in Cuenca.

Potential Portfolio Income: This shows our safe monthly spending level should we live solely off of our investment portfolio per the 4% rule.

Uncommon Dream Income: Although neither of us work full-time, I enjoy doing a day or two each week of consulting and we earn a small amount of income from our blog.

Rental Income: This represents the monthly income we’ve been able to earn through Airbnb while we’re traveling.

In case you missed it, let me draw your attention to an important point: Our monthly expenses while we were living in Cuenca were actually lower than our monthly Airbnb income.

So, if we hadn’t spent over a decade accumulating a portfolio of assets that could cover our living expenses, and if we weren’t continuing to earn any income, our Airbnb rental income alone still could have covered our cost of living abroad!

This actually exceeded my own expectations for our Airbnb experiment.

I also need to point out that we prioritized paying off our first home during the 2008-2009 recession. And we haven’t carried a mortgage since. The potential is certainly magnified by the absence of a mortgage.

But even homeowners with a mortgage or renters may very well be able to cover their housing related bills this way, freeing them up to more affordably slow travel.

If you're interested in becoming an Airbnb host, you can sign up with this link.

Closing Thoughts

When I ask people what they would do if money weren't a factor, traveling abroad often makes the list. While travel is a common desire, everyone’s specific motivations vary.

Some dream of learning another language while others are drawn to an area’s unique geographical features. Still others seek to experience life in a radically different culture.

For most of us though, money is a factor. But that’s no reason to give up on the dream of traveling abroad. Living costs around the world vary tremendously and many great destinations are quite affordable.

We’ve met a number of people living abroad who fund their overseas lifestyles in creative ways. Some live on personal savings while others rely on income from rental properties back home. Some work remotely while others find local work. A few of our expat friends have even started companies abroad.

If travel is a priority for you, don't let your current financial situation act as a barrier. Get creative. Use tools like The Earth Awaits to discover affordable places to live. Leverage the power of geographic arbitrage to pursue your dreams!

The post How we used geographic arbitrage to pursue our dreams (and enrich our lives) appeared first on Get Rich Slowly.

from Finance https://www.getrichslowly.org/geographic-arbitrage/ via http://www.rssmix.com/

Which car insurance companies only ask for 3 years convictions?

"Which car insurance companies only ask for 3 years convictions?

Can anyone give me a of list of car insurance companies which only ask for 3 years of convictions...?    I have 6 points, I'm 22, passed my test 3 months ago, and accumulated these points 3 years and 2 months ago...     Catch my drift? :)

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i live in chicago and wanted to go to the doctors but my dad informed me i have no health insurance (only him. he is legally blind on public aid) im 20 and in college what can i do

Insurance question?

I just bought a 2008 Honda Accord, exl, 4 cyl. I can't even drive it because I dont have insurance, what is the cheapest (most affordable insurance) I should get, i am 20 years old living in ontario california.""

Can i get cheap insurance on vw scirocco for first car?

im going to be getting my full license soon and im thinking to buy the scirocco for my first car but have been put of by the insurance that i will need to pay as im gonna be a new driver, the price id need to pay yearly is 4500 which is a lot and pretty much the same as owning a jeep GCsrt8 for your first car. i was wondering is there cheaper option?""

What is pip in insurance?

What is pip in insurance?

Why are so many Americans against affordable health care?

Why are so many Americans against affordable health care?

""I have taken out car insurance last month,i have found a cheaper insurance,i want to find out if i can cancel ?""

my previous insurance,i took it out on installments""

How much is aaa liability cheapest insurance for a 3rd car?

If I currently have a 2009 ford taurus and a 2003 toyota camry with full insurance for 2000 a year how much extra is it to add insurance for a small, cheap used car (2001 toyota corolla) for just liability rather than full coverage by AAA? Is it going to be cheap as in 200 dollars a year extra or even no extra cost? Thanks""

Can an insurance company be sued for not paying and ruing my credit?

I had a bill and the insurance refused to pay it. They thought I was under two different insurances. The bill went to collections and they have paid a little on it but not the whole thing. It has been a year now.

How do you get proof of auto insurance?

i just got my driver's license, (i'm 17) but i haven't been able to drive yet because my dad says i need to get an insurance card as proof of insurance. It was supposed to come in the mail a week ago. No one else i know had to do any of this, and they could drive as soon as they got their license. is there a faster easier way to get proof of insurance? thanks""

How much is insurance rate on 97 camaro?

How much is insurance rate on 97 camaro?

Estimate on how much my car insurance will be?

I'm financing a new (or relatively new) car pretty soon, it's probably going to be a Nissan Altima which is a very safe car and is probably going to be either brand new or no more than 1 - 3 years old. I'm just worried about how much I'm going to be paying for full coverage insurance because I haven't had a car in a couple years thus I haven't had car insurance in a while and when I did, it was only no-fault insurance. Also, I'm young (22) so that will make my insurance high. However, I have a spotless driving record so that should help. I also live in a safe county if that matters. Anyone have a ball-park figure on how much I can expect to be paying, monthly? Thanks.""

How do I get cheap insurance?

I'm 19. 1 NCB. Been on the road for 2 years and 5 months.

Does affordable car insurance exist for a 19 year old?

I'm a 19 year college student. Currently I'm a closing manager at McDonald's and a certified Cisco Network Associate. I'm in the process of buying a vehicle and was optimistic about it until I started to look for insurance. The cheapest policy I've found is $338 a month. There isn't any way I can afford that and the car payment. It's not that I'm lazy and don't work, I work 40 hour weeks plus overtime from closing. I live in a rural area (North Georgia Mountains) so taking the bus isn't a option for a 20 mile commute. My closest neighbor is 7 miles away so car pooling isn't realistic. I feel somewhat hopeless. I would join my parent's policy or something similar but I live on my own and have little to no contact with them. I've been borrowing my Mother's car to get to work but she's given me 3 weeks to get a vehicle or walk. I have found it to be almost impossible to transition into the real world and become an adult and live on my own. What's a guy to do in my situation? I can't work without transportation, and without work I can't pay bills. That American Dream I grew up hearing about seems to only exist for people who have established wealth and good parents. What's left for the others? Are people in my situation just ******?""

Can I buy car insurance with Obamacare?

What about food? Do I get free food now because of Obamacare?

Friend on my car insurance?

I have a friend (age 21+) who needs to get a car insurance but she only has a learner's permit and she cannot get an insurance herself. She has a car under her name. I am willing to add the car to my insurance and have her as a secondary driver. What are the risks I have? Am I, first of all, allowed to add a car which I do not own? Does my insurance premium go up if she gets into accident?""

Which car insurance companies only ask for 3 years convictions?

Can anyone give me a of list of car insurance companies which only ask for 3 years of convictions...?    I have 6 points, I'm 22, passed my test 3 months ago, and accumulated these points 3 years and 2 months ago...     Catch my drift? :)

Looking to get auto insurance... should i get life insurance ?

My brother told me to check out http://quck-insurance-quote.com is this a good site to shop around for auto insurance and life insurance, I drive fast and don't want my girlfriend to have nothing if I die.""

RWD Japanese sports cars that are cheap to insure?

I.E. Not Skylines or 350Z's.

Motorcycle Insurance in Oklahoma?

Am I interpreting this correctly? Motor vehicle with a seat/saddle for the use of each rider, with not more than three wheels and a combustion engine with a piston or rotor displacement of greater than 150 cc. is a motorcycle. Does this mean if I were to buy a 125cc Honda CBR or something of the likes, that I wouldn't have to get motorcycle insurance, and I could use my Class C license and not have to get a Class M license as well?""

""Where do i get cheap car insurance after passing my test at 17yrs old, thanks?""

Where do i get cheap car insurance after passing my test at 17yrs old, thanks?""

How easy is it to change my car insurance?

I am 23, and never changed my car insurance before. I had it for 5 years. I paid $65, then after a ticket, over a year ago it suddenly went to $87. That is with progressive. Esurance offered me $55 for same coverage. If I usually pay on the 20th, can I call them up, set up new plan, and have it start on 20th, and have old one stop on 20th, without another bank deduction?""

Oklahoma data bank life insurance search?

Search for deceased relative who may have insurance in Oklahoma

How much for car insurance?

My mom drives a Mercedes B 150 (about 5 year old car), she's Middle Aged and had a good driving record so her insurance is around 200-300pa. I'm nearly 18, and a new driver (passed yesterday), was wondering how much insurance would be for me if I was added onto her insurance. (just an estimation would be great!) Thanks in advance!""

Affordable health insurance? My husband's work does not pay for mine nor our son's insurace so we pay out of?

pocket. We have Aetna right now but they just keep jacking our prices up. My husband has not been to the doctor at all this year and they have raised his prices too. Does anyone know of a good health insurance plan that is affordable please?? Thank you!

Hit and Run insurance help!!?

My car was hit 4/19 and now I want to get it fixed through my insurance. The damages from Honda are about $1200. I think I should file with my insurance since I can't afford it. Since I did get the quote with Honda will the insurance company or DMV know I got it on that day?? I do not know if they will honor it since it was a few weeks ago.. I have a $100 detuctible and that is way cheaper than the $1200 but do not know what to tell them when i file the claim.. I am with Mercury and live in California

Where can I seek affordable health coverage for general and emergency care?

I'm currently jobless, and living abroad in Central America with my boyfriend. I need health insurance for emergencies and general health care. The plan I had was too expensive and I am desperate for a sense of security in case something happens. Also, I have been struggling with some more minor health issues and need to be able to see an American MD when I am home in the states. Please advise. Would also appreciate helpful weblinks as internet resources. Thanks.""

Insurance stats?

hello where can i find insurance data of the United states, on the historically and socially aggregated cash flow and balance sheet of the insurance company

Is there a website for health insurance quotes?

im goin 2 b 19 & my current health insurance will exp. i need to find health insurance fast as well as as dentist insurance. sum ppl told me not 2 get eye insurance cuz payin da monthly payment vs. getting da benefit isn't worth it. meanin u pay more than u get out of it. but i want ur opinion as well sum other ppl told me 2 go 2 a hospital 2 ask sum ?'s of what health i should get, meanin like find out what im cover 4. like i don't want 2 pay hidden charges. like basically i need help cuz nobody is guidin me on what 2 do after im not cover. like im on my own.""

What are the variables included in the cost of car insurance?

What are the BASIC variables that are included in any car insurance? i.e...car color, car make, type of car, horsepower, year, age of driver, ethnicity...? Which things do they look at car wise/and driver wise that affect how much insurance you end up paying in the end? and does the speed of the car effect the cost greatly?""

""Insurance for 6 months, changes mid policy?""

I'm looking at buying insurance for a 6 month period, but 2 months into the period there will be a change that causes a significant price drop (3 points removed from my license and my birthday). Will they generally allow me to have my rate adjusted mid-policy? I'm talking of a price difference of about 100 a month, so I really want to see how I can make this work.""

Is it necessary to buy rental car insurance even though i have my car insurance policy with me?

i have a car and have taken...if i take a rental car , then my auto insurance...""

How much would insurance for a Subaru Impreza WRX be?

I am getting my license very soon and I plan on getting an 02 Subaru Impreza WRX for my first car. I am curious to know what will be the monthly cost of my insurance (an estimate). I will be on my parents insurance and they have Liberty Mutual. I know that the WRX has one of the highest insurance rates but I want to know if it will be doable or not. Thanks in advanced.

Car insurance price difference?

I have just partially cleared my garage and want to know before i clear the rest of the garage and run around getting different quotes, how much cheaper is insurance parking in a garage rather than a drive.""

Is it okay to drive your parents car but dont have insurance yet but your parents gave permission to drive it?

Like if i was to be pulled over which I plan on not being because I drive very carefully but with cops now a days they will pull you over for no reason and just follow you and pull ...show more

B Average for Car insurance Discount?

Is 84.86 considered a B average in the eyes of the insurance company? My school doesn't give grades on a 4 point scale- only the percentage

Insurance prices?

Why is insurance so high on a 08 suzuki 1300. I am 42 and was quoted 900 a year. Is that bout right

Is this the best way to go about cheap car insurance at 17?

Get insured on my mother's car for a year then get my own when the insurance drops.

Car Insurance discrimination?

I was filling out a car insurance quote form online , I put my mother as the main driver and me as additional but accidentally put me as a spouse , the quote came back as 400 pounds. As i reviewed the quote i notice my mistake and changed it to Other ( Spouse , Partner , Other only listed ) and then my quote came back as 2000 pounds. I am 18 years old and getting car insurance is hard but my question is how does being married make me a safer driver and is it possible to take insurance companies to court because of there overlooked age discrimination""

Renault clio? first time insurance how to get it cheap?

looking at a clio 1999-2003 model any hints on how to get cheaper? got a quote for 4000 today!

Am I required to have auto insurance if I dont drive the car?

The car is financed. I will still be making payments. If the car is in storage do i have to have it insured? I live in washington state.

How are home insurance rates in hawaii?

I'd like to buy close to the water (would be impacted by hurricanes). FLA is ridiculous now-cant get insurance near the water for entire home value. Thought Hwi might be better since they dont get hit so much.

Which car insurance companies only ask for 3 years convictions?

Can anyone give me a of list of car insurance companies which only ask for 3 years of convictions...?    I have 6 points, I'm 22, passed my test 3 months ago, and accumulated these points 3 years and 2 months ago...     Catch my drift? :)

https://www.linkedin.com/pulse/blue-shield-california-health-insurance-quotes-nathan-stone"

1-92 :-)

1. Would you have sex with the last person you text messaged?it’s you hannah yes hello 
2. You talked to an ex today, correct?incorrect 
3. Have you taken someones virginity?no 
4. Is trust a big issue for you?i don’t think it’s an issue at all 
5. Did you hang out with the person you like recently?we were together on my birthday last week !! 
6. What are you excited for?not having to wake up for school tomorrow 
7. What happened tonight?um last night i talked to you and then fell asleep 
8. Do you think it’s disgusting when girls get really wasted?i think girls can drink as little or as much as they want and it’s not my position to police them for it 
9. Is confidence cute?yeah! 
10. What is the last beverage you had?english breakfast tea this morning 
11. How many people of the opposite sex do you fully trust?like,,, 4? maybe ??? 
12. Do you own a pair of skinny jeans?i wear exclusively skinny jeans who do you think i am 
13. What are you gonna do Saturday night?idk i’ll probably be with you 
14. What are you going to spend money on next?julien baker tickets whenever they GO ON SALE 
15. Are you going out with the last person you kissed?yes 
16. Do you think you’ll change in the next 3 months?idk?? in three months i’ll be almost graduating so probably ? 
17. Who do you feel most comfortable talking to about anything?you hello hannah 
18. The last time you felt broken?idk man i’ve been in a constant state of wtf since like sixth grade so 
19. Have you had sex today?no 
20. Are you starting to realize anything?people are generally not on my side but that’s ok 
21. Are you in a good mood?relatively, yes 
22. Would you ever want to swim with sharks?YES i would love to 
23. Are your eyes the same color as your dad’s?yes 
24. What do you want right this second?more tea 
25. What would you say if the person you love/like kissed another girl/boy?i mean i would probably be pretty upset about it 
26. Is your current hair color your natural hair color?yes 
27. Would you be able to date someone who doesn’t make you laugh?not at all 
28. What was the last thing that made you laugh?a twitter post 
29. Do you really, truly miss someone right now?you 
30. Does everyone deserve a second chance?not everybody, no 
31. Honestly, do you hate the last boy you were talking to?i don’t even know who that was???? i was talking to my brother last night so i mean 
32. Does the person you have feelings for right now, know you do?i sure hope so hello hannah 
33. Are you one of those people who never drinks soda?lol i drink way too much help 
34. Listening to?say yes to the dress is on tv 
35. Do you ever write in pencil anymore?i used to write exclusively in pencil but now i write in pen almost always 
36. Do you know where the last person you kissed is?i assume you’re at home in bed 
37. Do you believe in love at first sight?????? i don’t actually know 
38. Who did you last call?you 
39. Who was the last person you danced with?also you 
40. Why did you kiss the last person you kissed?i was leaving and you’re my girlfriend so ?? 
41. When was the last time you ate a cupcake?at mu alpha theta inductions like three months ago i typically don’t like cupcakes that much 
42. Did you hug/kiss one of your parents today?no my mom is still asleep yikes 
43. Ever embarrass yourself in front of a crush?idk i’m sure i’ve embarrassed myself in front of you sometime 
44. Do you tan in the nude?i only burn so i try to avoid sun exposure as much as possible 
45. If you could, would you take back your last kiss?no 
46. Did you talk to someone until you fell asleep last night?you !!! 
47. Who was the last person to call you?see above 
48. Do you sing in the shower?yes 
49. Do you dance in the car?yes 
50. Ever used a bow and arrow?i used to hunt with them until i was like 12 and then in freshman gym class 
51. Last time you got a portrait taken by a photographer?i have no clue probably my senior pictures back in october 
52. Do you think musicals are cheesy?no i love them 
53. Is Christmas stressful?yes 
54. Ever eat a pierogi?yes my aunt’s polish grandma makes the BEST 
55. Favorite type of fruit pie?pumpkin, apple, blackberry 
56. Occupations you wanted to be when you were a kid?a fashion designer when i was really little, then an astrophysicist from like ages 10 to 16 
57. Do you believe in ghosts?yes 
58. Ever have a Deja-vu feeling?yes and i hate it more than anything 
59. Take a vitamin daily?no 
60. Wear slippers?no 
61. Wear a bath robe?no 
62. What do you wear to bed?normally a t-shirt and either sweatpants or just underwear 
63. First concert?sarah mclachlan when i was 4 !!! i sat front row right next to her piano and i had a sign that said “my name is adia”
64. Wal-Mart, Target or Kmart?target 
65. Nike or Adidas?adidas but only because you like it and i can wear your clothes 
66. Cheetos Or Fritos?crunchy cheetos or honey bbq fritos 
67. Peanuts or Sunflower seeds?sunflower seeds 
68. Favorite Taylor Swift song?i have no idea ??? 
69. Ever take dance lessons?i did gymnastics for approximately 3 weeks when i was like 4 years old 
70. Is there a profession you picture your future spouse doing?whatever you want to do !!!! i want u to be happy 
71. Can you curl your tongue?yes 
72. Ever won a spelling bee?in the seventh grade i won the county and then got fourth at regionals 
73. Have you ever cried because you were so happy?yes 
74. What is your favorite book?it’s kind of a funny story by ned vizzinni 
75. Do you study better with or without music?with, as long as it’s something that i don’t feel inclined to sing along to 
76. Regularly burn incense?no 
77. Ever been in love?yes !! 
78. Who would you like to see in concert?julien baker!! also pvris with you :)) 
79. What was the last concert you saw?i think one direction 
80. Hot tea or cold tea?hot 
81. Tea or coffee?tea 
82. Favorite type of cookie?snickerdoodles 
83. Can you swim well?well enough ??? idk i kind of hate it but if it came down to it i could save myself 
84. Can you hold your breath without holding your nose?yes??? 
85. Are you patient?i’d like to think so, yes 
86. DJ or band, at a wedding?band 
87. Ever won a contest?idk i mean define contest i’ve won lots of school related things 
88. Ever have plastic surgery?no 
89. Which are better black or green olives?neither 
90. Opinions on sex before marriage?i think that people should do what they want to do and what they’re comfortable with, personally i don’t care (obviously oops) 
91. Best room for a fireplace?bedroom 
92. Do you want to get marriedyes

Do all those ask things 1-104

I saw this comingASK ME THINGS1. You woke up naked next to the last person you texted, what would you say? Hello Reese, how did I get here exactly 2. What’s going on between you and the last person you kissed?Lmfao she jokingly told people we were dating and liked to hold my hand and mentions the kiss way too much and shit but she never explicitly expressed actual interest in a real relationship and she kept telling me about girls she was talking to on tinder and asking me for relationship advice but I don't have time to play games and she graduated so who the fuck knowsThe kiss was for acting class but she was way too handsy with me outside of class for it to be just a stage kiss and by the end of the semester I was just kind of annoyed 3. If your boyfriend or girlfriend was into drugs, would you care?If we're talking the good kush then no but other stuff yes4. Is your last name longer than six letters?Yeet5. Was your last kiss drunk or sober?Well my character was an alcoholic and the girl kissing me had just finished pouring beer into my mouth So "Tilly" was drunk but I was not 6. Have you ever wanted to have someone but you messed it up?Lmao give me till the end of the summer before I answer this (that's a big fuckin joke because I'm a pussy and won't do anything)7. What does your last received text say?TRUE8. How many times have you kissed the last person you kissed?idk I think we did the scene full out a total of three times9. Where was your last kiss at?The black box theater on campus10. When is the last time you saw your sister?Sometime before she went to bed idk time is a human construct 11. What do you drink in the morning?Coffee 12. Where did you sleep last night?My bed 13. Do you think relationships are hard?Just because something takes effort doesn't mean it has to be hard 14. If you could go back and change something in the past 5 months, would you?Done my fuckin employment paperwork for camp a hell of a lot sooner 15. You’re locked in a room with the last person you kissed, any problems?UGH having to have an actual conversation and not being able to diffuse everything with humor like I usually do 16. Would you rather it be sunny or rainy?Rainy I am so unbelievably pale 17. Do you know anyone with the same middle name as you?Yes my fuckin dorm neighbor all this past year had the exact first AND middle name as me it was fuckin weird18. Are you wearing jeans,sweatpants,or pajama pants?Haha joke's on you I don't wear pants to bed if I don't have to 19. Do you think you will be in a relationship 3 years from now?You know I sure fuckin hope so because I'm actually starting to lose my mind 20. Does anyone like you?Platonically I'm popular for once and it's working well for me so I'm gonna pretend that that's what this question is asking me 21. Have you ever kissed someone with a name that starts with an S?Nope22. Is the last person you kissed gay?She's not straight 23. Is there a person you CANNOT stand?SEVERAL 24. Have you ever considered getting a tattoo?A lot but I'm impulsive and afraid of commitment so I know that any choice I make I will probably regret 25. In the past week have you cried?Haha more like how many weeks has it been since I haven't cried26. What breed was the last dog you saw? Friendo (mutt)27. Do you dry off in the shower or out of the shower?Idk I kinda do a combo I move while drying 28. Have you ever kissed a football player?Oh honey not my gay ass29. Do you think you’re old?I've been told I'm an old soul and I've personally felt like a 46 since I was about 1330. Do you like text messaging?Since I struggle with verbal communication (that isn't rehearsed like a script is), YES31. What type of day are you having?Went to IKEA and the hardware store then went home and felt hopeless about a married woman so all in all pretty gay32. Have you ever thought about getting your nose pierced?Not really I'm all for body modification but for myself piercings freak me out33. Do you prefer warm or cold weather?Cold this is literally logical because I can't remove my skin when it's too hot but I can put on a fucking sweater when it's cold 34. Is there a person of the opposite sex who means a lot to you?I LOVE MY ACTING TEACHER CLAIR SO FUCKING MUCH HE IS A BRIGHT LIGHT AND I DONT THINK I WOULD'VE DONE SO WELL THIS YEAR WITHOUT HIM35. Would you prefer a relationship or a fling?fuck I meanRealistically a relationship But I passed desperate when I joined a sugar baby website so I'll take a fuckin fling at this point36. Are you a simple or complicated person?I'm like what would happen if you tried to put together IKEA furniture for the second time without the manual and you have a little too much confidence in yourself because you pulled it off fine the first time with the instructions but you quickly realize you need help and then everything just turns into screaming 37. What song are you listening to?Literally erotic asmr videos judge me if you want I've lost the ability to care38. When you say you’re sorry do you mean it?Honey if I ain't sorry your ass isn't getting an apology 39. Is there a girl that knows everything or almost everything about you?The fuckin cheese monster 40. What made you start liking the person you like now?Holy shit do I even want to get into thisTrick question the answer is yesSo I've known this woman for over ten years and have been getting increasingly close with her for sixIn the past four years is when I've fallen for her and let me tell you in all honesty: it started as a hate fuck fantasy. I used to hate her so so much. AND THEN I realized I was gay and Things Changed ™ plot twist: she's actually an incredible person who helped me build up my confidence and feel proud of my sensuality and yeah I think I've been solidly in love with her for two years now but she is married to a man so fuck me rightShe's also twice my age which has lead me into some deep self loathing shit it's complicated and I'm still working through it 10/10 would not recommend She did call me her flirty girl tho at least I'll always have that whatever the fuck it's supposed to mean41. When did you last receive a text message?12:12 am which is about half an hour ago 42. What is wrong with you right now?We don't have time for this I can assure you 43. How well do you know the last female you texted?Well first of all I pretty much text only females, so jot that downAnd I mean god how long have we been friends Reese I think I know you fairly well for an Internet friend I know about your true feelings for bowser so 44. Does anyone disgust you?Jesus don't even fucking get me started 45. Would you date someone right now if they asked?Yes are you sensing a theme here46. Are you in a good mood right now?Eh47. Who was the last person you talked to in person?My father48. What color shirt are you wearing?Grey49. Has someone recently told you something you didn’t want to hear?That I have my permit test tomorrow lmao50. Anyone you’re giving up on?I mean people change so fuckin give it time51. Do you hate the person you fell hardest for?See number 4052. Have you ever thought about giving up on someone but couldn’t?NOPE when I decide I'm done I'm fuckin done 53. Do you like rain?Ye54. Do you care if your boyfriend/girlfriend drinks?Within reason 55. Have you ever liked somebody and never told them?See 4056. Do you like to cuddle?Yes fuck57. Are you shy?Not really I mean I have a variety of facades for when I'm insecure so58. Do you get along with girls?I'm gay59. Have you dated the person you texted last?Yeah what a memelord60. What do you carry with you at all times?My dark past with the musical Cats61. If you were paid 1 million dollars to spend the night in a supposed haunted house, would you?My dude I already volunteer in one for free you bet your ass I'd jump at the chance to get paid to deal with ghosts for onceI'd have a lot more patience with the Puritan minister calling me a witch because I'm a woman who speaks out of turn if I was making money 62. Do you think you can last in a relationship for five months?I'm a very adaptable person so I should hope so63. Think back to October, were you in a relationship?Nope64. The person you like kisses you on the forehead, do you find this cute?Well when she kisses me on the cheek I die inside so I'm gonna go with probably 65. Did anything “cute” happen in the last week?Ashlinn and Kristina reaffirm my belief in the existence of love every day and that's the cutest thing ever66. How old are the last three people you kissed?25, 19, 18 but honestly none of them count so?67. Would you rather pay to get your nails done or do them yourself? I'm cheap and don't like physical contact or intimacy with strangers so you do the math68. Which do you like better- Zebra print or leopard print? Leopard 69. Do you have any stickers on your car? My dude I don't even have a license 70. Would you rather listen to Luke Bryan or Lil Wayne? Who71. Blackberry, Anroid, or iPhone? I'm posting this via carrier pigeon so72. When’s the last time you had pizza from Pizza Hut? Idk whenever the last buskin society party was 73. Do you like diet soda? Only Diet Pepsi 74. What color are the walls in your room? This really awful green color that my parents painted it when my youngest siblings were sharing it (a "gender neutral" color)75. Are you 16 or older? Yeet76. Do you watch Pretty Little Liars? Ugh I watched two whole seasons and still couldn't find a way to care77. Do you have a job? I have three technically but two are summer and one is at school 78. What are your initials? EVG79. Did you ever have braces? For five fucking years plus other shit to fix my overbite 80. Are you from the south? God no 81. What does your last status on facebook say? If You Notice A Beautiful Purple Thing On The Sand This Summer, Run Away Immediately 82. Do you still talk to the first person you ever kissed? Yeah see I haven't had a real kiss yet so 83. Are you closer to your mom or your dad? Idk I mean I think I get along better with my dad but that's just because I am literally exactly like my mother 84. Have you ever done cheerleading or gymnastics? Oh god yup both I dropped a girl on her head 85. What’s the last movie you saw in theaters? I think it was Get Out86. Do you smoke? Carol Aird Taught Me How To Hit A Blunt At Two AM On A Softball Field 87. Would you rather wear heels or flip flops? Heels88. Is your phone touch screen? If I touch the pigeon it bites me89. Do you normally wear your hair straight or curly? This is a joke my hair has absolutely zero natural texture 90. Have you ever snuck out of your house? I'm bland 91. Would you rather swim in a river, lake, or pool? Pool I get anxiety from nature have you ever seen Scooby Doo and the Loch Ness Monster?92. Have you ever made out in a car? No93. …Had sex in a car?I'm really bitter right now94. Are you single or in a relationship? Really 95. What were you doing last night at midnight?I think I was crying 96. When’s the last time you saw fireworks? A couple months ago just randomly. My school is down the road from an amusement park. 97. Do you like the camera on your phone? I guess98. Have you ever had a friend with benefits? No99. Have you ever passed out from drinking? I am a heavyweight mom friend so no100. Are you friends with people on facebook that you actually hate? Yup101. Have you ever had a pregnancy scare? I'm gay102. Name your favorite Kesha song: I fux wit Your Love is My Drug103. Do you have any tan lines right now? I have the minimum amount of melanin a person can have without actually being albino I am physically incapable of tanning104. Would you ever wear cowboy boots with shorts? Fashion is a societal construct

How we used geographic arbitrage to pursue our dreams (and enrich our lives)

Howdy. My name is Michael Robinson. While J.D. is visiting Europe with his cousins, I volunteered to share how my wife and I have leveraged the power of geographic arbitrage to pursue our dreams and to build our wealth. Geographic arbitrage means taking advantage of the differences in prices between various locations. You earn money in a stronger economy (San Francisco, maybe, or the U.S. in general) and spend it in a weaker economy (South Dakota or Ecuador, for instance). Geographic arbitrage is a powerful tactic worth considering if you want to increase your saving rate so that you can better pursue your financial goals. Several times over the course of our lives together so far, my wife and I have managed to unwittingly stumble upon the benefits of geographic arbitrage. If you've ever chosen your vacation destination based on how strong the country's currency is opting to visit England when the pound was weak, maybe then you've practiced geographic arbitrage. Today, I'm going to share three examples of how the concept has impacted our lives and helped us to achieve financial independence at 33. I hope these examples will spark some ideas for how you might be able to leverage geographic arbitrage along your financial journey as well. About Us I met my wife Ellen in Cuernavaca, Mexico in 2004. We were both studying Spanish at the same language school. I was there to earn the last few credits I needed to complete a minor in Spanish. Ellen hoped the months of Spanish immersion would help her land a job as a bilingual elementary teacher in the Pacific Northwest. Despite Ellens intention to avoid befriending any native English-speaking gringos like me, we hit it off right away and quickly became close friends. As our months together in Mexico wound down, Ellens efforts paid off and she was hired by a bilingual elementary school in Shelton, Washington. I graduated and was offered a position as an international sales manager. Ellen and I started a long-distance relationship that summer and I moved out to Washington to join her as soon as I could.

Losing One Income Without Noticing It Our first experience with geographic arbitrage was unintentional. We didn't even realize what we were doing at the time. After Ellens first two years as a bilingual teacher, she asked her principal for a one-year leave of absence so she could return to Mexico and further improve her Spanish proficiency. Her principal agreed and we packed up and headed to Guadalajara for the 2007-2008 school year. Although we lost Ellens annual $30,000 salary, we didnt feel it much because our cost of living was considerably lower during that year in Mexico. Our apartments in Washington had each cost us $800-$900 per month. In Mexico, we were able to find a suitable apartment to share for around $400 per month. Groceries and other goods and services were all also considerably cheaper. Geographic arbitrage allowed us to maintain our standard of living in Mexico despite the loss of one income. Taking Advantage of Taxes During all of our highest-earning years, Ellen and I happened to live in Nevada, Washington, and Texas all locations without state income tax. While avoiding state income tax is obviously appealing, these states make up for that lost revenue by increasing taxes in other areas. Nevada: There is no personal or corporate income tax because the state collects billions of dollars each year in the form of gambling taxes and fees. While we lived there, I gambled with exactly $0 of my money, avoiding this tax altogether.Washington: Here we had one of the highest sales tax rates in the country (8.88%) and high gas prices on account of higher gasoline taxes. While we lived there, we didnt consume a lot compared to most households, which lowered our sales tax burden. I also worked from a home office and Ellen taught at a nearby school so we didnt really use inordinate amounts of gasoline either.Texas: Here we also had a high sales tax rate (8.25%) and lived in the state with the fourth-highest property tax rate in the country incredibly, we owed over 2% of our homes value every year in property taxes! In Texas, we maintained our relatively frugal lifestyle, again reducing our exposure to the higher sales tax burden. And although we were pre-approved for an inexplicably high $750,000 mortgage in 2007 (on our two five-figure incomes no less!), we chose to instead take on a $100,000 mortgage and buy a starter home less than a mile from the office where we knew Id be working. We moved to Colorado in 2016, the same year we both stopped working full-time. This is the first state weve lived in together where weve been charged state income tax (a middling 4.63%, the 23rd-lowest in the country). But we have low property taxes and the lowest state sales tax in the country (out of states collecting sales tax). Although we're now paying state income tax in Colorado, our earned income as early retirees is predictably the lowest its been in our fourteen-year relationship. And although weve bought a home that cost us almost three times as much as what we paid for our Texas home, were actually paying less each year in property taxes. Bonus fact for money nerds! For anyone curious, heres the complete list of states with no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Note, however, that while New Hampshire currently charges no state income tax on earned income, it does tax investment income. Also, Tennessee currently charges no state income tax on earned income, but does tax some dividends and interest income. However, Tennessee has announced plans to phase out state income taxes altogether by 2022. Making Money with Airbnb Our most recent experience with geographic arbitrage was more deliberate. When we learned that 31 October 2016 was going to be my last day of full-time work, it didnt take us long to devise a plan to return to Latin America, this time with our two young children. In our research, we quickly discovered The Earth Awaits, a useful tool for comparing the crime statistics, pollution levels, and cost of living of various cities around the world. (Get Rich Slowly reviewed The Earth Awaits last year.)

At the time, Cuenca, Ecuador was the only Latin American city in their database that had earned the designations low crime and low pollution. Since we were traveling there with a nine-month-old and a two-year-old, those seemed like great characteristics to us! We did some additional research on similar tools and local expat forums, and only became more and more interested in visiting the city. Heres a short promo video showcasing Cuenca and the surrounding Andean mountain region. [embedded content] Shortly after we decided to spend our first winter in Cuenca, I had another ambitious idea. I felt it would be wasteful for our house to sit empty for three months while we were traveling, so I proposed to Ellen that we experiment with hosting our home on Airbnb while we were away. She was resistant at first, and rightly so. It was going to take a lot of work to get our home ready and sort out who would manage everything while we were away, among other things. But she came around to the idea and we gave it a go. We've discussed our Airbnb hosting experience in more detail in the following articles at our website, and we've done a fair amount of Airbnb hosting since. We were very impressed with the success of our Airbnb experiment. Our homes first ever booking was $1,890 for 8 nights! While we choose not to publish our net worth and our monthly expenses in dollars for personal reasons, Ive prepared the following chart to illustrate the impact Airbnb had on our financial picture while we were traveling.

Let's look at these numbers: Expenses: Our standard monthly expenses are represented on the chart as 100%. Weve been tracking our expenses in Mint since 2008 and Personal Capital since 2013. Before that, I tracked another decade of our expenses in desktop budgeting software. So we feel pretty confident in our understanding and control of our monthly expenses.Traveling Expenses: This shows approximately how much our monthly expenses dropped during our 6 months (two winters) in Cuenca.Potential Portfolio Income: This shows our safe monthly spending level should we live solely off of our investment portfolio per the 4% rule.Uncommon Dream Income: Although neither of us work full-time, I enjoy doing a day or two each week of consulting and we earn a small amount of income from our blog.Rental Income: This represents the monthly income weve been able to earn through Airbnb while were traveling. In case you missed it, let me draw your attention to an important point: Our monthly expenses while we were living in Cuenca were actually lower than our monthly Airbnb income. So, if we hadnt spent over a decade accumulating a portfolio of assets that could cover our living expenses, and if we werent continuing to earn any income, our Airbnb rental income alone still could have covered our cost of living abroad! This actually exceeded my own expectations for our Airbnb experiment. I also need to point out that we prioritized paying off our first home during the 2008-2009 recession. And we havent carried a mortgage since. The potential is certainly magnified by the absence of a mortgage. But even homeowners with a mortgage or renters may very well be able to cover their housing related bills this way, freeing them up to more affordably slow travel. If you're interested in becoming an Airbnb host, you can sign up with this link. Closing Thoughts When I ask people what they would do if money weren't a factor, traveling abroad often makes the list. While travel is a common desire, everyones specific motivations vary. Some dream of learning another language while others are drawn to an areas unique geographical features. Still others seek to experience life in a radically different culture. For most of us though, money is a factor. But thats no reason to give up on the dream of traveling abroad. Living costs around the world vary tremendously and many great destinations are quite affordable. Weve met a number of people living abroad who fund their overseas lifestyles in creative ways. Some live on personal savings while others rely on income from rental properties back home. Some work remotely while others find local work. A few of our expat friends have even started companies abroad. If travel is a priority for you, don't let your current financial situation act as a barrier. Get creative. Use tools like The Earth Awaits to discover affordable places to live. Leverage the power of geographic arbitrage to pursue your dreams!

Author: Michael Robinson Michael and his wife Ellen achieved financial independence at 33 and retired early at 36. Now they're raising two kids in Colorado (and abroad) while writing about money, life, and their familys adventures at Uncommon Dream. https://www.getrichslowly.org/geographic-arbitrage/