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JC’s Road Trip – Vietnam Pt 3 – HCMC Saigon
Exclusive RetireCheap.Asia membership site - all the REAL life details you need to live in Thailand plus connect with other like-minded people at: http://goo.gl/M0nMT5 Well for all the fans sick of seeing Thailand, here you go! We are in a different SE Asian country this time, Vietnam. In part 3 we will continue to cover what it costs and what is it like to live in Vietnam? We will try to answer the question can a category 1 RIPper (Retiree In Paradise) live well in Vietnam? Well I am off finding out. We will see what the upsides and downsides are to living in a Communist country. This video is a little intro and some comments. In this video we are still in Saigon. Or should I say HCMC. Which name should you use? Well not sure really. Here are some considerations for using Saigon: • The airport code for Ho Chi Minh City is still SGN. • Saigon is still used as a label for District 1, the center of Ho Chi Minh City. • New hotel developments often opt for ‘Saigon’ in their name rather than ‘Ho Chi Minh City.’ • Some bus stations still label signs and tickets with ‘Saigon.’ • The river flowing through the city is still named the Saigon River. • Vietnamese people living overseas who fled at the end of the war usually say Saigon for political reasons. And some considerations for Ho Chi Minh City: • In Hanoi and the north, you’ll more often hear ‘Ho Chi Minh City.’ • All government publications and productions use ‘Ho Chi Minh City.’ • All official documents and writings use ‘Ho Chi Minh City.’ • Places in the province surrounding Saigon, far from District 1, are often referred to as being in Ho Chi Minh City rather than in Saigon. For those not up to speed on Vietnam and it’s history here is a little background info. Its real name is the Socialist Republic of Vietnam and their motto is, "Independence – Freedom – Happiness". Vietnam is a socialist one party state with a population of about 92 million people. Vietnam is bordered by China to the north, Laos to the northwest and Cambodia to the southwest. Vietnam was part of Imperial China for over a millennium and the Indochina Peninsula was colonized by the French in the mid-19th century. Vietnam had Japanese occupation in the 1940s, the Vietnamese fought French rule in the First Indochina War, eventually expelling the French in 1954. Thereafter, Vietnam was divided politically into two rival states, North and South Vietnam. Conflict between the two sides intensified, with heavy intervention from the United States, in what is known as the Vietnam War. The war ended with a North Vietnamese victory in 1975. Vietnam was then unified under a communist government but remained impoverished and politically isolated. In 1986, the government initiated a series of economic and political reforms which began Vietnam's path towards integration into the world economy and as a result free enterprise is in full effect! Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia This video features the song “World Map” by Jason Farnham from the YouTube music library. Stock Media Provided by Pond5

By : retirecheapjc     Added : 25 April 2016
JC’s Road Trip – Vietnam Pt 2 – HCMC Saigon
Exclusive RetireCheap.Asia membership site - all the REAL life details you need to live in Thailand plus connect with other like-minded people at: http://goo.gl/M0nMT5 Well for all the fans sick of seeing Thailand, here you go! We are in a different SE Asian country this time, Vietnam. In part 2 we will continue to cover what it costs and what is it like to live in Vietnam? We will try to answer the question can a category 1 RIPper (Retiree In Paradise) live well in Vietnam? Well I am off finding out. We will see what the upsides and downsides are to living in a Communist country. This video is a little intro and some comments. In this video we are still in Saigon. Or should I say HCMC. Which name should you use? Well not sure really. Here are some considerations for using Saigon: • The airport code for Ho Chi Minh City is still SGN. • Saigon is still used as a label for District 1, the center of Ho Chi Minh City. • New hotel developments often opt for ‘Saigon’ in their name rather than ‘Ho Chi Minh City.’ • Some bus stations still label signs and tickets with ‘Saigon.’ • The river flowing through the city is still named the Saigon River. • Vietnamese people living overseas who fled at the end of the war usually say Saigon for political reasons. And some considerations for Ho Chi Minh City: • In Hanoi and the north, you’ll more often hear ‘Ho Chi Minh City.’ • All government publications and productions use ‘Ho Chi Minh City.’ • All official documents and writings use ‘Ho Chi Minh City.’ • Places in the province surrounding Saigon, far from District 1, are often referred to as being in Ho Chi Minh City rather than in Saigon. For those not up to speed on Vietnam and it’s history here is a little background info. Its real name is the Socialist Republic of Vietnam and their motto is, "Independence – Freedom – Happiness". Vietnam is a socialist one party state with a population of about 92 million people. Vietnam is bordered by China to the north, Laos to the northwest and Cambodia to the southwest. Vietnam was part of Imperial China for over a millennium and the Indochina Peninsula was colonized by the French in the mid-19th century. Vietnam had Japanese occupation in the 1940s, the Vietnamese fought French rule in the First Indochina War, eventually expelling the French in 1954. Thereafter, Vietnam was divided politically into two rival states, North and South Vietnam. Conflict between the two sides intensified, with heavy intervention from the United States, in what is known as the Vietnam War. The war ended with a North Vietnamese victory in 1975. Vietnam was then unified under a communist government but remained impoverished and politically isolated. In 1986, the government initiated a series of economic and political reforms which began Vietnam's path towards integration into the world economy and as a result free enterprise is in full effect! Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia Stock Media Provided by Pond5

By : retirecheapjc     Added : 04 April 2016
JC’s Road Trip – Vietnam Pt 1 – HCMC Saigon
Exclusive RetireCheap.Asia membership site - all the REAL life details you need to live in Thailand plus connect with other like minded people at: http://goo.gl/M0nMT5 Well for all the fans sick of seeing Thailand, here you go! Let’s get to a different SE Asian country, Vietnam. What does it cost and what is it like to live in Vietnam? Can a category 1 RIPper (Retiree In Paradise) live well in Vietnam? Well I am off to find out. We will see what the upsides and downsides are to living in a Communist country. This video is a little intro and some comments. For those not up to speed on Vietnam here is a little history and info. Its real name is the Socialist Republic of Vietnam and their motto is, "Independence – Freedom – Happiness". Vietnam is a socialist one party state with a population of about 92 million people. Vietnam is bordered by China to the north, Laos to the northwest and Cambodia to the southwest. Vietnam was part of Imperial China for over a millennium and the Indochina Peninsula was colonized by the French in the mid-19th century. Vietnam had Japanese occupation in the 1940s, the Vietnamese fought French rule in the First Indochina War, eventually expelling the French in 1954. Thereafter, Vietnam was divided politically into two rival states, North and South Vietnam. Conflict between the two sides intensified, with heavy intervention from the United States, in what is known as the Vietnam War. The war ended with a North Vietnamese victory in 1975. Vietnam was then unified under a communist government but remained impoverished and politically isolated. In 1986, the government initiated a series of economic and political reforms which began Vietnam's path towards integration into the world economy and as a result free enterprise is in full effect! Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia Stock Media Provided by Pond5

By : retirecheapjc     Added : 28 March 2016
How To Find Your Home In Thailand
Exclusive RetireCheap.Asia membership site - all the REAL life details you need to live in Thailand plus connect with other like minded people at: http://goo.gl/M0nMT5 If you have watched any of my videos previously you probably already know that it is cheap to live in Thailand. And many people have come behind me to do a similar type video that I have been doing. So I also feel that I have an obligation to give you information that might help your journey continue on a little bit smoother. I do that by offering information I think would be helpful to smooth out the learning curve and also to help answer questions that I get asked very frequently. I personally feel there are four steps in moving or relocating to a new country and making it your new home. The four steps needed to determine if or when you can make the move to a new retirement destination are deciding, planning, preparing and then settling in. Some of the action items you will need to do are covered in detail in my member site and some of the action items also overlap into different categories. So with that in mind I am offering you this video that will explain the process of finding your new retirement home in Thailand. Please become a friend or subscribe to this channel and you if can, link back to my website, I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia

By : retirecheapjc     Added : 17 March 2016
What JC Doesn’t Like About Thailand
Exclusive RetireCheap.Asia membership site - all the REAL life details you need to live in Thailand plus connect with other like minded people at: http://goo.gl/M0nMT5 If you have watched any of my videos previously you probably know that I am always talking about what I love about Thailand and the reasons I stay here. But I get asked a lot whether or not there are things about the country that I do not like. And of course just like any other place in the world there is good and bad. The key to living someplace and being content as a RIPper is to find a place that you fit in well into the society and you share common beliefs and values. For me Thailand seems to be that place. But who knows, in the future I could end up somewhere else. I always keep in mind that life is a journey not a destination. So getting back to the question, are there things I don't like about Thailand, the answer is yes. So in this video I will talk about a few of the things that get under my skin and I wish would change. But just as I wish things to change other people probably appreciate some of these things. So are these things good or bad? The truth is they are neither. Good and bad are only subjective feelings based on wanting things to be either the same as they are or different. So because I understand that I sort of let these things slide off my back like water on a duck. And I also know that because the world and people in it are constantly changing, these things to will change over time. So here we go. Here are some things that I don't like about Thailand. Check them out. Please become a friend or subscribe to this channel and you if can, link back to my website, I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia

By : retirecheapjc     Added : 02 March 2016
Chiang Mai, Thailand – 3 Little Pigs American Soul Food Restaurant
Exclusive RetireCheap.Asia membership site - all the REAL life details you need to live in Thailand plus connect with other like minded people at: http://goo.gl/M0nMT5 Three Little Pigs location and info: http://www.mapsnmore.com/business/Restaurants/American/3-little-pigs-soul-kitchen Coming from the Gulf Coast of the US, I have to say I love my Southern food. But certain American regional foods are almost impossible to find in Thailand. This is why I was hootin' and a holleriin' when I found the 3 Little Pigs Restaurant in Chiang Mai. At 3 Little Pigs you'll find best of Southern Comfort Cooking in Chiang Mai Thailand and probably all of Asia. We be talking large portions of working folks foods! Selections like Pit barbecue -Pulled Pork, Country Ribs, Chicken, Gumbo, Jambalaya, Red Beans & Rice, Biscuits & Gravy, Fried Chicken, Charcoal-grilled burgers and Enchiladas. So come join me in meeting the owner and testing some dishes at this fine establishment! Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia

By : retirecheapjc     Added : 16 February 2016
Happy Chinese New Year from JC – Year of the Monkey
Exclusive RetireCheap.Asia membership site - all the REAL life details you need to live in Thailand plus connect with other like minded people at: http://goo.gl/M0nMT5 I just want to wish all my viewers a Happy Chinese New Year. I you plan on living in an Asian country get used to celebrations! And in this case ANOTHER New Year even if you aren’t Chinese or of Chinese descent. So let me get you up to speed on the goings on around this holiday. This year Chinese New Year 2016 is on Monday 8 February. The date of Chinese New Year is based on the Chinese lunar calendar, not the Gregorian calendar, but is always somewhere in the period from January 21 to February 20. 2016 is a year of the Monkey according to the Chinese 12-year animal zodiac cycle. Other Monkey years include: …1944, 1956, 1968, 1980, 1992, 2004… If you were born then you’re a Monkey. Each Chinese zodiac year begins on Chinese New Year's Day. Monkey years are believed to be the most unlucky for people born in a year of the Monkey. You might be asking, "Why do people celebrate Chinese New Year?" Although there are many interesting legends and stories explaining the start of the Chinese New Year festival, the main two reasons for the festival are: 1. To celebrate a year of hard work, have a good rest, and relax with family 2. To wish for a lucky and prosperous coming year Chinese people believe that a good start to the year will lead to a lucky year. Chinese traditionally celebrated the start of a new year of farm work, and wished for a good harvest (when most were farmers). This has now evolved to celebrating the start of a new business year and wishing for profits and success in various vocations. So how do the Chinese celebrate thier New Year? The main traditional celebrations of the festival include eating reunion dinner with family, giving red envelopes, firecrackers, new clothes, and decorations. More modern celebrations include watching the CCTV Gala, instant message greetings, and cyber money gifts. Some Chinese superstitions regarding Cinese New Year and things NOT to do include: 1. Some Chinese people believe that they mustn't do cleaning or wash their hair in the first three days as that will sweep/wash away good luck. 2. A cry of a child is believed to bring bad luck to the family, so the young are placated fastidiously. 3. No begging: To ask for a loan is a big "no-no". 4. Another interesting thing is the red underwear… You will see red underwear sold at supermarkets and street markets. Red is believed to ward off bad luck and misfortune. For people born in a year of the Monkey, red underwear is a must for 2016! So I hope you get the opportunity to join in and wish your friends Happy Chinese New Year! Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia

By : retirecheapjc     Added : 11 February 2016
Third JC Conversation with World Traveler, Sculptor and Part Time Chiang Mai Resident Jim McNalis
If you are a fan of my channel you might remember about a few years ago I recorded a conversation with a friend, Jim McNalis. In fact I have recorded our conversations on a couple of occasions and shared them with you on You Tube. We always have great conversations and the last ones received such great feedback I decided to record another of our conversations. So listen along because we usually share some interesting viewpoints on some unique topics that you might not hear discussed on the street. Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia

By : retirecheapjc     Added : 01 February 2016
JC Talks About 2016 and 5 Million Views!
Check out our membership site with all the details you need to know and networking with other like minded people at: http://goo.gl/M0nMT5 We have come a long way in just a couple years. Five million views shows me that there are some people really needing to look at their options for retirement. Because of this I am both happy to help but sad as well. I am also sad for the state of affairs that has created such a need for information on how to get options just to have a comfortable retirement. I want to thank everybody though, especially my awesome members for their support. Without them I couldn’t do what I do. And I want to thank all my loyal YouTube viewers for your kindness and support. With everybody’s help we can continue to give hope to those who need more options on how to get “More Life for Less Money”. So let’s talk about how we got here, the changes in Thailand I have seen over the years and what I see for the future. We will be off soon to add more places to our list of options so stay tuned. From the bottom of my heart I thank you. Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia

By : retirecheapjc     Added : 14 January 2016
$500 a Month Budget Food Choices - Cha Am
Membership site with all the details you need to know and networking with other like minded people available at: http://goo.gl/M0nMT5 It’s not a big surprise that street food in Thailand is sold everywhere and it’s much cheaper than restaurants, even the local ones. There are fruit and vegetable markets in every corner and food stalls across every street. There is a variety of places where you can dine out on the cheap. There is nothing better than food stalls along Thailand's streets. Imagine BBQ pork and chicken on skewers, deep fried chicken, fried noodle dishes, papaya salad, and much, much more. The best time to find a good variety of food stalls is the early morning and late afternoon and evenings. Thai street food is cheap! Even street vendors that get a lot of tourist traffic typically won’t charge more than 30-60 baht ($1-2 USD) for their offerings. If you venture into a truly Thai market void of tourists, you can eat like a king for just a few dollars.Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia

By : retirecheapjc     Added : 31 December 2015
Eating Thai Food with No Gluten or MSG
Membership site with all the details you need to know and networking with other like minded people available at: http://goo.gl/M0nMT5 Thai food is awesome. But what if you have Celiac disease? You can eat many Thai dishes but soy sauce is a popular ingredient in many Thai dishes. So I suggest you learn to recognize dishes that have soy sauce. And when ordering your food make sure it isn't cooked with it. Learn to say "Without soy sauce" - "my sigh nahm see ew" and practice that with a Thai person until they understand you. Here are some of the popular Thai dishes that you can eat without problems: Som Tam. This is a young papaya salad, mixed with shrimp, tomatoes, carrots, chilies, green beans and peanuts. The sauce is made from sugar, lime, Thai garlic and fish sauce. BBQ meats on wooden skewers and sticky rice. I'd be very wary of clear or dark colored soups due to soy sauce in the broth and avoid the wontons because they're usually made with wheat flour and not rice flour. If noodles are any other color besides white I'd avoid them. Curries are mostly safe because their flavor usually comes from spices blended together. And curries use coconut milk or cream as a thickener before adding the meat and veggies. When it comes to rice, ordering plain steamed rice (khao - like cow), rather than fried rice is a safer bet because fried rice might have soy sauce. Or just ask for it to be made without soy sauce. As for desserts, coconuts, bananas, sesame seeds, tapioca, rice flour, arrowroot flour, mango and beans are usually the ingredients. A very delicious and popular dessert is mango and sticky rice topped with coconut cream. This is a gluten free dessert and also the bananas in coconut milk and tapioca "sago" in sweetened coconut milk. So there you go. Eat and enjoy your Thai food by learning how to say "without" to avoid condiments or ingredients that you prefer not to eat. Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia

By : retirecheapjc     Added : 22 December 2015
Rice Harvest Season in Isaan Thailand
Membership site with all the details you need to know and networking with other like minded people available at: http://goo.gl/M0nMT5 Do you like Thai food? Are you a fan of eating rice? How about Jasmine rice? Well it’s rice harvest time in Issan.. Rice production in Thailand represents a significant portion of the Thai economy and labor force. Thailand has a strong tradition of rice production. It has the fifth-largest amount of land under rice cultivation in the world and is the world's second largest exporter of rice. Thailand has plans to further increase the land available for rice production, with a goal of adding 500,000 hectares to its already 9.2 million hectares of rice-growing areas. The Thai Ministry of Agriculture expected rice production to yield around 30 million tons of rice in 2008. Jasmine rice, a higher quality type of rice, is the rice strain most produced in Thailand. Jasmine has a significantly lower yield rate than other types of rice, but it normally fetches more than double the price of other strains on the global market. The rice-planting season in Thailand usually starts in May. Around this time, showers signal the approaching end of the dry season, and farmers once more prepare for rice planting as one annual cycle ends and another begins. Since most Thai farmers have to wait for seasonal rain to plant their annual rice crop, they are at times faced with difficulties from drought like they were this year in 2015, so there might not be enough rainfall for crop growing. Farmers solve this problem by digging canals to channel water into their rice fields. At the same time, they perform some rain-making rites and other ceremonies to pray for fertility of the land. The rice field mud walls are designed to keep the water in the paddies. By breaking holes in these mud walls, water may be moved down from higher fields to irrigate lower ones. Once the seedlings are planted, they are later transplanted at a greater distance one from the next, almost always through a uniquely backbreaking operation that is often accompanied by generous shots of rice whisky (lao khao) or its local, sweeter moonshine variety, lao sathaw. The rice then enjoys the rainfall during the green season through to around September. The rice turns from emerald, to a darker green and finally to dry gold under the strong sun. By late November, it is ready to be harvested. In the past each morning, farmers would go into the fields with sickles to harvest their crop. The cut rice is spread on the fields to dry for several days before being bundled into sheaves and taken to the family compound where it is threshed, and may then be milled. But nowadays a rice harvesting machine goes through the fields cutting the rice and depositing the rice kernels with husks still on into trucks or on tarps to be dried. Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia

By : retirecheapjc     Added : 07 December 2015
Doi Inthanon National Park, Thailand
Check out our exclusive member site: http://goo.gl/M0nMT5 Well it is nice to be back on the road again! While traveling around I want give you a peek at some fun things to do if you are living as a happy RIPper (Retiree In Paradise) in Thailand. So let me show you a cool and fun thing to do if you are living in the north of Thailand. Doi Inthanon National Park (Thai: อุทยานแห่งชาติดอยอินทนนท์), nicknamed "the roof of Thailand", is in the Thanon Thong Chai Range, Chom Thong District, Chiang Mai Province, northern Thailand. It includes Doi Inthanon, the country's highest mountain. Established in 1972, it is 482 square kilometres (186 sq mi) in size. Doi Inthanon is the source of many rivers including Mae Klang, Mae Pakong, Mae Pon, Mae Hoi, Mae Ya, Mae Chaem, Mae Khan, and being part of Ping River, where the Bhumipol Dam is situated and generating the electrical power. The park is approximately 60 kilometers (37 mi) from Chiang Mai. Since the National Park is located at 2,565 meters above the sea level, it has cold weather and high humidity throughout the year, particularly on the top of the National Park. The average daily temperatures are normally around 10-12 °C. In winter, the temperature at the National Park is below 0„ °C. And in summer, despite hot weather in central Chiang Mai and nearby districts, it is still freezing on the top of Doi Inthanon and tourists should be prepared with thick clothes. The main attractions of the park are the summit of Doi Inthanon for its spectacular views of early morning, several waterfalls, few trails and the two chedis (stupas) dedicated to the king and queens 60th birthday anniversaries. Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia This video features Stock Media Provided by Pond5

By : retirecheapjc     Added : 25 November 2015
Naga Fireball Festival in Thailand
Membership site with all the details you need to know and networking with other like minded people available at: http://goo.gl/M0nMT5 Like to see extraordinary events that are hard to explain? Then the Naga Fireball Festival is something you should put on your list to see. Naga fireballs บั้งไฟพญานาค; or bang fai phaya nak, also known as Mekong lights, and "bung fai paya nak" by the locals, is a phenomenon that is seen on the Mekong River. Glowing orbs of light rise from the water and shoot high into the air. The balls are reddish in color and to range in size from smaller sparkles up to the size of basketballs. They quickly rise up to a couple of hundred meters before disappearing. The number of fireballs reported varies between hundreds and thousands per night. The fireballs are reported to be seen around the night of Wan Ok Phansa which is the end of the Buddhist Lent that happens in late-October. Naga fireballs have been reported over an approximately 250 kilometer long section of Mekong River with the center of this section approximately at Phon Phisai town in Amphoe Phon Phisai. But the balls of light have also been reported rising from smaller rivers, lakes and ponds in this region. Locals attribute this mysterious phenomenon to a waterborne serpent ‘the Naga’, which spits fireballs into the sky. As of now though there is no science that can explain the Naga Fireballs. Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia This video features the song “How it Began” by Silent Partner from the YouTube music library and “A Whimsical Journey Instrumental” from the Triple Scoop music library.

By : retirecheapjc     Added : 08 November 2015
JC’s Tips - Spend Less, Save More & Preserve Your Assets
RetireCheap.Asia membership site with all the details you need to know and networking with other like minded people available at: http://goo.gl/M0nMT5 Tent shown in this video from http://www.standingroomtents.com/ So you have made the decision to move but you still need to save some money. Maybe this will help you save about $2,000. Depending on where you work, chances are you may have a pretty good choice of coffee and eating options located around you. And if you’re like many people, there’s a good probability that nothing wakes you up quite like the taste of a fresh-brewed, grande or espresso, specialty coffee from one of the many java joints you have to choose from. But when it comes to your daily spending habits on food and drinks, if you’re like most people, your morning coffee is probably just the start. More and more workers are forgoing the brown bag in favor of dining out, and grabbing a latte at the nearby coffee shop instead of packing a thermos. A typical worker regularly buys both their morning coffee and lunch while on the job, but bringing a brown bag lunch and thermos of coffee could save more money than an average tax return. The average amount working Americans spend on coffee and lunch is more than the average tax return refund they will receive, with two-thirds of American workers buying their lunches, according to a survey by Accounting Principals. The average spent on lunch alone is $37 a week, or $2,000 a year. The survey found noticeable workplace spending differences by gender and age. Men spend $46.50 a week while women spend $26.50 on lunches. Americans spend more money on their lunches than on their commuting costs, which was average of $123 a month, or $1,500 a year. If personal finance is a concern for you to make your jump to a new place to live—and no matter what your situation is, it should be something you think about on a regular basis—then you might want to consider how to save a boatload of money just by taking the time to pack yourself a sandwich. Braun Research conducted a telephone survey of 1,000 employed Americans, 18 and older, from Dec. 22 to 27. The survey found men tend to purchase and spend more on coffee than women, 54 percent and 45 percent, respectively. Half of Americans buy coffee regularly at work, spending more than $20 a week, or $1,000 a year. Younger professionals ages 18 to 34, spend nearly twice as much on coffee - $24.74 - during the week than those ages 45 and up - $14.15. The average tax refund in 2011 was $2,913, according to Yahoo Finance. Americans are not planning to use their year-end bonuses on food or drink, however. The survey found 57 percent of employed Americans plan to use their year-end bonus to pay off debt. So start packing a lunch and as far as preserving assets you now have from an impending currency crisis I’d start thinking about that as well so you don’t lose what you already have. Over the long term, the dollar is declining. The dollar has declined 40% since 2002, and could decline further still for the following five reasons: 1. An $18 trillion U.S. federal debt. 2. Excess liquidity causing inflation or, as is occurring now, asset inflation. 3. The unsustainable personal debt of U.S. citizens, 4. A massive trade deficit. 5. The strength of emerging market countries, like China, which are becoming less dependent on holding U.S. dollars to keep the value of their currencies low. So do your own due diligence and see what fits your particular situation and remember, some of the ways to protect yourself from a potential dollar collapse are also good ways to protect your assets from the far more likely dollar decline. First, keep your investments diversified away from the dollar by making sure you hold foreign mutual stock and bond funds and some gold. Gold shouldn’t really be an investment but a hedge if you still have cash and there is a crisis. If the dollar were to absolutely collapse, as they predict, it would wreak devastation upon the world's economy in ways that are really unimaginable. Owning gold might be the best way to go to hedge against your other losses. That's why a well-diversified portfolio, and constant attention to key economic indicators, is a better way to protect your personal finances than putting all your eggs in one basket...even if it IS made of gold. Invest in yourself and in your knowledge. Stay on top of the global economy. Understand investing. And it's never a bad idea to keep your passport updated --just in case! Please become a friend or subscribe to this channel and you if can, link back to my website I’d appreciate it. For more videos, books on retiring abroad and a Retirement Budget Calculator go check out http://retirecheap.asia

By : retirecheapjc     Added : 26 October 2015

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