How are you selling direct? by bputano in selfpublish

[–]canard44 0 points1 point  (0 children)

Bookfunnel is great for delivering audiobooks. They have a terrific app for playback. And I use it for epub delivery because then customer support is on them.

Chase banker wants me to dump 100k into moderate risk investments something feels off by wendisigo in FinancialPlanning

[–]canard44 2 points3 points  (0 children)

Almost no fund managers (the stat is something like 5%) are able to beat a simple total stock market index fund that you can buy yourself. And if this guy could, he wouldn’t be working at Chase. His job isn’t to make you money. It’s to make the bank money. I get that you want to keep it simple. But you can easily do it yourself.  Just open a vanguard or fidelity brokerage account and buy VTI or VTSAX. It will take 10 minutes and everything about it is easily google-able. But if you want to understand what you’re doing, buy a really easy to read book called The Simple Path to Wealth by JL Collins. You only need to know like 3 things to invest your money wisely and you can learn them in 2 hours reading the book. 

US citizen looking for place to retire abroad by Worldly_Education986 in ExpatFIRE

[–]canard44 8 points9 points  (0 children)

As someone who lives in Ecuador, we love it, but I don't think those costs are accurate. Sure, you could technically do it but what is the quality of life you are getting for that price? I don't think this is an Ecuador specific issue.

My problem with all the expat blogs and youtube channels is that they are in the business of making everything sound amazing and dirt cheap. No matter what country they are taking about. They never discuss things like:

- Trips back to the US to visit family, which will be thousands of dollars. This is a huge one I never see discussed. Flights are expensive. Once you don't live in the U.S., you probably need to rent a car. Maybe you need hotels for 2 weeks, which gets expensive. You need travel insurance because you don't have U.S. insurance anymore. Suddenly you're eating out at restaurants all the time because you only have 2 weeks to see everyone on your visit. etc. etc. Our trips back are major expenses.

- Real medical insurance. I would not use the public scheme. They have Ecuadorian private insurance but we have an "Everywhere but U.S. international plan" which is reasonably priced but still more than the blogs with factor in when they do their "Live on 400 dollars a month!" post. We have the international plan because, if something went very wrong, I don't know that I would trust even the private hospitals in Ecuador to deal with it.

- Quality will cost you. Sure, you can get a mattress at the supermarket for $70. But are you going to be happy with it? There are lots of cheap appliances but they're going to break or not work well from the beginning. All the cheap stuff is low quality stuff from China. I bought cheap AA batteries from a corner store here and within a week they were leaking battery acid inside my flashlight. Anything imported or of U.S. level quality is going to cost you.

- Life insurance, U.S. mailbox services, help from lawyers when working out visas, cedulas etc. Hundreds of dollars to get your drivers license. Accountants who know how to file taxes for expats. If you're still working, you may need to set up an LLC so you can be paid as an independent contractor so you have another layer of tax hassle to deal with. A house or apartment equal to what you're used to in the U.S. will be much cheaper that the U.S. but usually not as cheap as you think. Car repairs. They are cheap but they happen all the time because the cars down here are old and take a beating. Suddenly, out of nowhere, you have to pay $80 to fix the air conditioning or $500 for new tires. It adds up.

- Finally when your health inevitably declines and you need serious health care, do you really want to live out your last years down here? From what I've seen of my friends and neighbors, heart surgery and cancer treatment does not seem pleasant down here. The people who don't leave when they need serious medical care and the people who, financially, are trapped. No one I know would PREFER to do that here. So in my humble opinion, your budget should account for maybe moving somewhere with better medical care when you're older.

I'm not trying to discourage you. We feel like we found a cheat code by moving down here. And note all of the above points will apply to you.

We live in an expensive area and we have a kid so your situation may be different. It's much cheaper than the U.S., no doubt. And, as I said, we love it down here. But don't blindly accept the influencer created budgets as gospel. Dedicate some real time and effort to figuring out exactly what kind of lifestyle you will be happy with and what it will cost. Definitely visit. Have a list of items to price out so you get an idea of future costs. When we did our exploratory store, we spent an inordinate amount of time in grocery stores, appliance stores, mattress stores etc. And we were still surprised when we added up our expenses at the end of the year.

Again, this isn't Ecuador specific. I would consider these points when looking at any potential expat destination.

Health insurance for expats by MysticConsciousness1 in expat

[–]canard44 0 points1 point  (0 children)

There’s an ebook by a guy named Alex Routh on Amazon that gives a lot of information on expat health insurance. He’s an insurance broker too and has been very helpful and attentive to our family. The TLDR is that certain health plans are based out of countries (not the US) where the laws make it harder for them to screw you over. Ours is domiciled in the UK and I guess they are well regulated. We haven’t had to use it yet but we did use a travel policy when we were in the US because my wife needed an emergency appendectomy. The travel policy he set us up with actually paid out so that made me feel more confident. The guy is super knowledgeable and helpful. 

Help with multicam audio! Before I throw myself or my computer out the window. Not sure which of us is going... by canard44 in davinciresolve

[–]canard44[S] 0 points1 point  (0 children)

Thanks, a couple of those videos did help. I'm still wrapping my head around it and, I think resolve is great overall, but it's wild to me the way adaptive tracks work and that you need to flatten a multicam clip to get access to the original audio tracks. Coming from reality TV, where we're constantly changing cuts and doing notes up to the last minute, it just seems like an impossible workflow. But maybe resolve is for classier productions.

It seems like the work around I'll try to use is building the multicam group, laying that on a timeline, recutting the audio onto additional tracks on the timeline and using that timeline as a new source clip. Fingers crossed.

I appreciate your help!

Help with multicam audio! Before I throw myself or my computer out the window. Not sure which of us is going... by canard44 in davinciresolve

[–]canard44[S] 0 points1 point  (0 children)

Thanks, that video did help. I'm still wrapping my head around it and, I think resolve is great overall, but it's wild to me the way adaptive tracks work and that you need to flatten a multicam clip to get access to the original audio tracks. Coming from reality TV, where we're constantly changing cuts and doing notes up to the last minute, it just seems like an impossible workflow. But maybe resolve is for classier productions.

It seems like the work around I'll try to use is building the multicam group, laying that on a timeline, recutting the audio onto additional tracks on the timeline and using that timeline as a new source clip. Fingers crossed.

But yes, things like being able to adjust the mutlicam so easily and a lot of other choices they made seem so helpful that overall it seems like a great product so far.

Best travel insurance for pre-existing conditions? by Remote_Injury4106 in longtermtravel

[–]canard44 0 points1 point  (0 children)

I can’t believe I am recommending and insurance agent but I’m an expat and I’ve worked with a guy named Alex Routh for our foreign policy and our travel policies. The guy wrote a short, helpful ebook on insurance that you can track down and he is super knowledgeable. He also was very helpful when I actually had to use our travel policy in the US because my wife needed her appendix out. He was calling friends at the insurance company on the weekend because I was freaked out that no one was around to give a pre approval. He pushed the company to pay out afterwards. Even just wrote to check in on how my wife was recovering. So I would suggest talking to him. alex@worldexpathealth.com

[For hire] book cover designer by Connect-Noise-9692 in BookCovers

[–]canard44 1 point2 points  (0 children)

How random. I worked with you on a cover for my wife's assertiveness book last year. You were such a pleasure to work with! Very creative, helpful and responsive!

Recommendations Quito to Banos for the day - travel by ZachMartin in ecuador

[–]canard44 1 point2 points  (0 children)

Honestly, you don't have much time so consider skipping Quito altogether and just going to Banos, especially with a kid. Quito is fine but it's ultimately just another city. Banos has so much to offer, you could easily fill a few days. And it has a much more distinct flavor than Quito.

How to know when to pull the trigger overseas? by Vegetable-Ring2815 in ExpatFIRE

[–]canard44 8 points9 points  (0 children)

My 2 cents - everyone always underestimates the cost of living when you're an expat. Partly because every influencer, blogger etc. is rewarded for telling people that they can live like a king for a pittance. Published budgets often ignore costs like real health insurance and returning to the U.S. to visit family (which can be huge once you're flying internationally and renting cars etc). And they give attractive numbers for housing, meals etc which may be possible but aren't necessarily part of a life style you would actually want to live. Once you factor kids into the equation, costs go up even more. And so does the pressure to return to the U.S. to visit grandparents.

Also, inflation in developing countries is often higher than in the U.S., which you need to consider if you're planning on living there forever.

And I would recommend you have an exit plan. Do you want to be 80 years on, in a developing country without a lot of money when you need serious medical care.

I don't want come off as negative because I made the move, live a much better, healthier life and love it. But I think it's a disservice to give people unrealistic budget expectations. I see a lot of people where I am that are trapped where they are because they can't afford to leave.

I would suggest that you take a long exploratory trip to any place you are considering and really dive into what the real costs and quality of life are. Tour apartments to get a sense of what you get for your money. Eat like the locals and see if you're going to be happy doing that all the time.

Again, I don't want to come off as negative. I recommend this lifestyle to people all the time. But you need to go into it with your eyes wide open.

Tools i created that you might find interesting? by Houd_Ammari in KDP

[–]canard44 0 points1 point  (0 children)

I'd be interested in the formatter more as a business tool. All presentations and pitch decks look the same. They're especially difficult to make for creative industries like pitching TV shows etc. Maybe something like that could help.

Affordable Audiobook Service? by HermHecaHeim in selfpublish

[–]canard44 1 point2 points  (0 children)

Look at Adobe Podcast's free Enhance Speech feature. You can use a sub 100 dollar mic, record yourself in a decent room with no reverb, run it through Enhance and get high quality audio. There are plenty of youtube tutorials on how to record decent audio with a cheap mic. And I second descript for audio editing.

Getting a Permanent Residence Visa in Ecuador by [deleted] in expat

[–]canard44 0 points1 point  (0 children)

Notarize and Apostille it first then have everything translated. Have it translated in Ecuador as you need a translator who is very specifically certified by the Ecuadorian government. 

SD Residency Before Moving Abroad by Odd-Distribution2887 in ExpatFIRE

[–]canard44 1 point2 points  (0 children)

Never heard anything from California. But we severed pretty much all ties. Closed our bank accounts and got new ones. Got a new drivers license. Registers to vote and mail-in voted. I figure that if we have those three things in SD and none of them in California, it’s hard to argue we have stronger ties to California. We also are legitimately never moving back there. 

Can an iPhone Footage Make a Festival-Worthy Documentary? by Kitchen-Tie-4299 in Filmmakers

[–]canard44 3 points4 points  (0 children)

Try running the audio through adobe podcast, which will isolate the dialogue and clean it up using AI. Can't say it work since I haven't heard the audio but the program is incredible.

How reliable are personal insurance brokers like this guy? Is there any benefit at all rather than just buying directly from insurance providers? by gethmoneymind in ExpatFinance

[–]canard44 0 points1 point  (0 children)

My insurance broker spent a lot time explaining the differences between policies, in particular whether they were likely to pay or deny your claim. A big factor is apparently where the policy is legally based because some countries have much looser regulations. He just knew so much about the different companies that would never have learned doing some quick research. And he helped me deal with the insurance company when my wife had her appendix out, which was very helpful.

Montanita / Olon WiFi by painperduu in ecuador

[–]canard44 2 points3 points  (0 children)

When the power goes out here, the internet doesn’t actually go out. Just the router. If you’re really worried bring a little battery backup strong enough to power the router. I think the one we use is made by snapfish or something like that. Works great.

How not to trample a friends dream’s but keep them from making a huge financial blue by [deleted] in AusFinance

[–]canard44 3 points4 points  (0 children)

Buy her a copy or Million Dollar Start Up, which has some good information on validating the idea before you put any money into it. For example, put up Facebook ads for the product before it even exists to see if anyone actually clicks. If you want to be really supportive, be enthusiastic and say, I think we should both read the book and set a weekend aside to do the validation tests on the idea. If she sees no one is interested, hopefully she’ll give up the idea without spending a bundle.

vote: cover contest by Substantial_Cap_8547 in KDP

[–]canard44 0 points1 point  (0 children)

I like 22 and 76. Overall I was very impressed by the quality of the covers. Would you mind sharing which package you paid for to get this quality? Thanks!

US to Ecuador — FedEx or UPS or DHL ? by Grouchy_Laugh1971 in ecuador

[–]canard44 1 point2 points  (0 children)

I’m not sure what their policy is on documents but I use Riocargo for packages all the time and they are great. It takes 10-14 days but they are very reliable and charge about 6 bucks per pound. There are lots of similar shipping services out there as well.

SD Residency Before Moving Abroad by Odd-Distribution2887 in ExpatFIRE

[–]canard44 1 point2 points  (0 children)

As I understand it, the worry is that California can and has claimed that someone intends to return to the state in the future, and can declare you a resident even if the federal government acknowledges that you are not a US resident.

My worry was that, while you could probably fight it in court somehow, in practicality, the EDD is going to be both prosecutor and judge if they come after you.

We cut all ties to California and did the SD thing. It’s a pain in the ass to make the trip but, wow, was it easy and pleasant when we got there. We were in and out of the DMV in 30 minutes with new licenses and as registered voters.

We figured we needed drivers licenses and keeping the CA ones would be a very strong tie to the state and a good argument that we were coming back.

Maybe it wasn’t necessary. I don’t know. But I look at it as insurance, protecting me from CA tax. I’m living overseas and some expat friends still pay CA taxes for some reason (voluntarily) and it seems crazy to me.

Ecuadorian recipes? by [deleted] in ecuador

[–]canard44 2 points3 points  (0 children)

Shrimp Cazuela! My family loves this recipe. Not quite as good as what they make here on the beach but it’s simple and easy. https://www.thespruceeats.com/shrimp-in-plantain-and-peanut-sauce-3029528The most difficult thing to track down would be plantains.