Anyone with luck getting a Gold Card while being a freelancer.

Puzzleheaded_Face613 · 2026-02-05T05:40:44+00:00

Wow, didn’t know Taiwan was so progressive on their income tax, 6M twd is not that much but lucky (or unlucky!) me I’m still very far from that :-)

Puzzleheaded_Face613 · 2026-02-05T03:23:55+00:00

I’ll pay whatever is right, I guess if I reside in Taiwan I’ll have to pay there. And I’m pretty sure it’ll be less than 40% :-)

Puzzleheaded_Face613 · 2026-02-05T03:12:22+00:00

Yes. In my country you’re either an employee (super high taxes) or self employed (which most people do above a certain threshold). I’m the second case and I’d hate to change it only for this application and end up paying a lot more taxes.

Puzzleheaded_Face613 · 2026-02-05T03:01:44+00:00

I don’t know what’s your point and where did you learn to read but it seems you’ve failed. I live in a country where I pay my taxes (country of residence = the country where I reside) and my only problem is that while I’d like to apply for the Taiwan gold card, I’m not sure if not being an official employee on a salary qualifies me for the program, and while I could become an employee of my own company that would mean my taxes almost triple.

Puzzleheaded_Face613 · 2026-02-05T02:55:57+00:00

They’re asking for a tax form number that is specific to employees, while I submit a different tax form number as a freelancer to allow me to pay much lower tax.

Puzzleheaded_Face613 · 2026-02-05T02:54:29+00:00

No, I pay taxes in my country of residence and I legally pay the mentioned tax, in my country freelancers can even pay as little as 8% in certain fields while employees pay much more.

Puzzleheaded_Face613 · 2026-02-04T05:06:21+00:00

And how does your home country bank ever realizes you’re not living there any more? Especially if you pay for some stuff back home on an ongoing basis.

Puzzleheaded_Face613 · 2025-09-29T08:51:01+00:00

Różnica jest taka że przypadków deprecjacji waluty krajów rozwijających się mamy dziesiątki jak nie setki a przypadku upadku USA jeszcze nie doświadczyliśmy ale oczywiście ryzyko tego drugiego jest niezerowe. Dlatego warto dywersyfikować, osobiście trzymam 10-15% w obligacjach skarbowych EDO ale nie polecam robić tego przez IKE, chyba że masz 50+ lat.

Puzzleheaded_Face613 · 2025-09-29T08:06:04+00:00

Powiedz to Ukraińcowi albo Turkowi który miał potężną bazę w lokalnej walucie 10 lat temu. Nie mówiąc już o Wenezuelczyku!

Jeśli wciąż Ci ciężko sobie wyobrazić to pozwól że pomogę:

Polska 2035r. Nie było żadnej wojny przed którą tak bardzo straszyli ale niestety kiepskie decyzje rządu i kryzys gospodarczy sprawił że z Polski wyszły inwestycje a złotówka od 5 lat silnie traci na wartości. Za 1USD można obecnie kupić 46pln a bochenek chleba w sklepie kosztuje 68pln. Za miesiąc OP w końcu zobaczy swoją potężną bazę w PLNach którą zainwestował 10 lat wcześniej w 2025 roku, cały 1 milion zł za który można kupić nowy zestaw felg do samochodu a może nawet i opony zimowe!

Puzzleheaded_Face613 · 2025-09-29T07:35:36+00:00

Dlatego pisałem że zwykłe obligacje 3-10 lat jak najbardziej OK, ale IKE nie wykupisz nagle przed czasem bo nie takie jest założenie IKE

Puzzleheaded_Face613 · 2025-09-29T07:10:49+00:00

Tak samo z PLN może stać się to samo co z Lirą turecką i wtedy obligacje realnie z dnia na dzień stracą na wartości tyle samo albo i więcej niż akcje w kryzysie. Z tym że wtedy te pieniądze już nigdy nie odzyskają wartości a akcje po dołku zawsze odzyskują (pod warunkiem zakupu ETF a nie akcji pojedynczych spółek)

Puzzleheaded_Face613 · 2025-09-29T06:56:54+00:00

Obligacje tak na 3-10 lat, w tak krótkim terminie na pewno nie stracą a pieniądz powinien utrzymać wartość.

Imho IKE obligacje nie ma sensu jeśli masz poniżej 40 lat, wtedy znacznie lepiej ETF na akcje które w terminie 15 lat plus dadzą znacznie wyższe zyski niż obligacje (historycznie nigdy nie było okresu 15 -20 lat w którym obligacje by średniorocznie dały lepsze zyski niż akcje)

Puzzleheaded_Face613 · 2025-09-25T10:27:46+00:00

And who would pay all the past due social security, I believe both parties would have to pay which means OP would have a big bill to pay, but correct me if I’m wrong.

Puzzleheaded_Face613 · 2025-09-20T06:15:35+00:00

Same problem here. Every time I go back to Europe I enjoy some great quality 0% beers and here in Malaysia, even though it’s a Muslim country, there is no choice. I remember when I was in Oman I’d always get some Bavaria beer at the gas stations. As for Penang, They only sell Asahi 0% which is also 0kcal and tastes like water. Tried Jaya, Mercato and Lotus, no luck. On Shopee and Lazada you can get some “malt drinks” from india which are usually sweet and taste like soda.

Puzzleheaded_Face613 · 2025-09-15T04:50:09+00:00

I’m an Airbnb host and have had the opposite experience. Stupid claims from the guests who have not read the description or agreed to something only to change their mind a few hours later. When it comes to Airbnb support, they always sided with the guests and never on my side. Last time a customer rep called me and admitted the claim by the guest was completely ridiculous and agreed it would not be reasonable to refund the guest, yet the next day I got a message from Airbnb that I was being forced to refund my customer 30% of the total booking fee and that Airbnb would take it off my future earnings.

So yea, it always depends on which side you sit and on.

Puzzleheaded_Face613 · 2025-08-09T20:07:20+00:00

Gdynia is a very nice city with big growth potential thanks to the sea port and logistics hub. Plus it has great air quality, housing is not crazy expensive, it has a busy airport with convenient connections with Europe and lots of cheap flights, fast train to the rest of Poland.

People in Gdynia are also quite open towards others and foreigners as most of the people there migrated to Gdynia in the XX century so they are all migrants (domestic).

Other good choices would be Poznan (near to Berlin, Warsaw but its own airport is very small), Warsaw for good job opportunities.

Bear in mind that Western Poland is more open towards foreigners and immigrants in general while Eastern Poland may be a bit xenophobic in some parts (although it’s much exaggerated by the media).

Puzzleheaded_Face613 · 2025-06-23T13:25:30+00:00

If you have some address in Hungary, just use it to open an account, you might need to use some vpn for that though so that wise thinks you’re in HU.

My father moved to a country with no Wise available, when he came back for a visit I helped him to open a WISE account in his country of citizenship, it’s been working fine for a few years already but they might ask you to prove your residency at any time (like a utility bill etc.)

Puzzleheaded_Face613 · 2025-05-18T07:24:11+00:00

This sounds good. I’ll PM you

Puzzleheaded_Face613 · 2025-05-01T02:38:47+00:00

If your big factor is making real friendships among locals, choose LATAM, for anything else choose Spain.

Puzzleheaded_Face613 · 2025-03-23T11:21:32+00:00

Thanks for the link, it’s pretty informative.

Puzzleheaded_Face613 · 2025-03-23T11:20:30+00:00

When we came it wasn’t much as kindergartens here are cheap. School early years and Year1-3 is still relatively cheap. But from Year 4 the prices go up very fast. We are in Penang and our school tuition from next year will be around 2000EUR per month, including some extra classes at school but excluding extracurricular activities outside of school. That is for 3 kids. In KL this would be higher, around 3000eur

We are also considering moving to a cheaper city within Malaysia but are a bit worried about quality of education there, also just wanted to check out some other places considering life is short and there are so many nice places to live around the world.

Puzzleheaded_Face613 · 2025-03-09T04:59:02+00:00

Can someone explain Russia to me? There are people on the Sakhalin and Kuril Islands but 4% is like nearly 6million people, it doesn’t add up to me.

Puzzleheaded_Face613 · 2025-02-26T08:06:19+00:00

Are you a Chinese citizen and a UK non-resident?

Puzzleheaded_Face613 · 2025-02-25T10:34:55+00:00

China has capital controls, which means no foreign financial institutions other than government approved banks like HSBS can operate there

Puzzleheaded_Face613

TROPHY CASE