may 2016 living’s incomes y abroad - amazon s3 · international living’s incomes abroad may 3...

You donrsquot want to lug bulky equipment with you on vacationhellipand neither does anyone else

Thatrsquos why therersquos opportunity for expats to set up rental businesses in top destinations worldwide If you want to live in a place where people take vacationsmdashsunny beach resorts or bustling tropical citiesmdashgetting a slice of the rental action could be your ticket to income

Surfboards baby strollers scooters motorbikeshelliptherersquos a market for them all

For the low price of a couple of used motor scooters in Vietnam Steve Mueller started on the path to owning his own successful classic Vespa tour company in Ho Chi Minh City ldquoThe Vietnamesehellipjust their energy their entrepreneurial spirit you get caught up in it and think lsquoHey I can do that toorsquordquo says Steve

Struggling with the mobility needs of their wheelchair-bound mother on vacation provided the impetus for a pair of sisters to start Puerto Vallarta Mexicorsquos only mobility equipment rental companyhellipwhile a couple of energetic toddler moms have cornered the baby-needs market in San Juan del Sur Nicaraguaand Costa Rica has inspired more than one enterprising expat to rent out surfboards

By the Staff of Incomes Abroad

IncomesAbroad

INTERNATIONALLIVINGrsquoSMay 2016

Volume 4 No 3

FUND YOUR LIFE OVERSEAS

wwwInternationalLivingcom

Rent Your Own BampB in Battambang Cambodia See Opportunity Digest on page 17

Also in This Issuehellip

Continued on page 4

BRICKS-AND-MORTAR

COVER STORY

Continued on page 2 Continued on page 6

Learn From Entrepreneurs Living Their DreamBy Barbara Winter

Rent Vacationers the Gear They Need

Destination Wedding Planning is Profitable on the Riviera Maya By Don Murray

Page 3 How I used my English skills to craft a new life in Mexico

1 Are you scared of big changes Thatrsquos good news

Page 12 Solo travel Get set for your overseas adventure

Page 13 Easy income in your own Spanish Airbnb

Page 14 City vineyard BampBs Traveling the world rent free

Page 16 Keeping up with global opportunities

Steve Muellerrsquos Vespa scooter business has taken off in Vietnam and Cambodia

Couples can spend anywhere between $10000 and $50000 on a destination

wedding along the Riviera Maya

For several years Gretchen Biasotti was a business reporter for a small city newspaper Although she reported on big companies in her area her favorite interviews were with

people running their own small business ldquoTheyrsquore so easy to interview because theyrsquore excited about

what theyrsquove built and love to tell the storyrdquo she says ldquoIt made my job so much easier because I didnrsquot have to ask a million questions in order to end up with an articlerdquo

You too can take advantage of the insights and lessons learned

Some destinations lend themselves to the perfect business idea as Joyce Mnguni discovered when she first visited Mexicorsquos Riviera Maya with her husband Alex

ldquoWe both fell in love with Playa del Carmen and its peoplerdquo she recalls ldquoThe beaches are postcard perfect with powdery white sand and stunning turquoise water The weather is always warm and Playa has great internet service modern malls amazing restaurants and beautiful resorts There is also an international airport a short drive away in Cancuacuten with connections to all the major hubs in the worldrdquo

This connectivity plays no small role in Joycersquos business Shersquos a wedding planner and the popularity of the area among North American couples is undisputed

copyiS

tock

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Sha

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International Livingrsquos Incomes Abroad | May 20162

BARBARA WINTER

Learn From Entrepreneurs Living Their Dream

Continued from page 1

May 2016 Volume 4 bull Number 3

InternationalLivingcom

copy Copyright 2016 by International Living Publishing Ltd All Rights Reserved Reproduction copying or redistribution (electronic or otherwise including online) is strictly prohibited without the express written permission of the Publisher Incomes Abroad is published monthly Copies of this e-newsletter are furnished directly by subscription only Annual subscription is $59 To place an order or make an inquiry see wwwinternationallivingcomabout-ilcustomer-service Send address changes to International Livingrsquos Incomes Abroad International Living Publishing Ltd Elysium House Ballytruckle Waterford Ireland For editorial inquiries see wwwinternationallivingcomabout-ilwrite-for-il Incomes Abroad presents information and research believed to be reliable but its accuracy cannot be guaranteed There may be dangers associated with international travel and investment and readers should investigate any opportunity fully before committing to it

Publisher Jackie FlynnEditorial Director Eoin BassettManaging Editor Cleo MurphyCopy Editor Jason HollandGraphic Designer Ian FlemingPhoto Editor Hugo GhiaraAdvertising Helen Daly Fax (353)51-304561 Email advertisinginternationallivingcom

IncomesAbroad

Our editor-at-large Barbara Winter is the author of Making a Living Without a Job (now in print for more than 20 years) Seminar in a Sentence and Jumpstart Your Entrepreneurial Spirit She shares her ideas about self-employment through seminars and retreats throughout North America and Europe She has traveled extensively and lived in six states She currently makes her home in Valencia California

by those farther down the entrepreneurial path Enthusiastic owners can teach you a lot about what it takes to run a successful business Once you start paying attention yoursquoll discover these teachers can be found in all sorts of environments You can learn a lot just by watching them in action

Several years ago when I was visiting my daughter she suggested we have lunch at The Milky Way This tiny restaurant was lovingly run by Leah Adler an 85-year-old little pixie who just happens to have given birth to Steven Spielberg Her utter joy in making her customers happy was obvious as she flitted from table to table chatting with every diner She seemed to be having such a good time that I thought being a restaurateur must be a new occupation for her She had that honeymoon glow When she came to our table to inquire about our meal I asked her if she was at the restaurant every day

ldquoOh yesrdquo she said ldquoI leave home at 830 am every morning and Irsquom here until closing Irsquove been doing this for over 30 years and therersquos no place Irsquod rather be I get to plan dishes with the cooks flirt with old men and drink wine What could be better than thatrdquo

She has no plans to retire I donrsquot recall what I ate that day but meeting Leah was one of the most memorable dining experiences Irsquove ever had

Pay attention when you stumble upon someone running their own business Even better is to make it a regular practice to seek out these dreamers and doers in their own natural habitats Take regular field trips to places where small businesses cluster You can also observe entrepreneurs working at flea markets art fairs farmersrsquo markets and community festivals Be conscious of

behaviors that you find magneticmdashand those which you donrsquot

If itrsquos appropriate engage them in conversation Ask them probing questions How long have you had this business Why did you start this particular enterprise What did you do before you started this Were your parents entrepreneurial What do you like best about working for yourself Whatrsquos your least favorite part of it What mistakes did you make How do you find customers How do you keep the customers coming back

You get the idea You might also begin by briefly sharing your plans so it doesnrsquot appear that yoursquore interrogating them so you can duplicate what theyrsquore doing In fact it matters not at all that your business is nothing like the one this person is running Yoursquore looking for philosophy entrepreneurial thinking and attitudes about serving your customers

On one such field trip I walked into a lovely gardening store I was greeted by the owner Julia Metcalf After I had browsed and admired the visual feast which was the shop I asked her how long shersquod had the business I was surprised when she said it was just three months old since it had the settled look of a seasoned enterprise

ldquoWhy did you start this businessrdquo I asked

Julia said shersquod always loved gardening and had five gardens of her own One night she had a dream and when she woke up knew that she was being told to use her creativity in a bigger way

Without any certainty about how it would come together she decided to open a shop to share her love of gardening After she quit her job as a guidance counselor things began to move quickly to make her vision a

reality ldquoIt hasnrsquot always been easyrdquo she said ldquobut Irsquom the happiest Irsquove ever been Irsquom amazed at how quickly itrsquos grownrdquo

I left the shop feeling as if Irsquod taken a shower in pure positive energy

If becoming self-employed is part of your journey look for the most enthusiastic and joyful entrepreneurs you can find and see what they have to teach you Just look at how Steve Mueller found entrepreneurial inspiration from the Vietnamese and their can-do attitude He set up a scooter rental business there and you can read all about it in this monthrsquos cover story

Finding the people who can help you learn what you need to know so you can move forward is not to be taken lightly The experience of others can save us time add deeper insights and keep us from making costly mistakes So read on for some great expat business experiences in the rest of this issue

At any rate Irsquom planning to keep Leah Adler as my role model and Irsquom already flirting with more old menmdashjust to make sure I remember what she taught me

International Livingrsquos Incomes Abroad | May 2016 3

PORTABLE INCOMES

How I Used my English Skills to Craft a New Life in Mexico

By Patrick Murtha

Patrick Murtha has found a permanent home and an easy income in Quereacutetaro

I live in one of the worldrsquos most beautiful cities Quereacutetaro in Mexicorsquos Colonial Highlands and earn my living teaching

English My neighborhood is the UNESCO World Heritage Centro Histoacuterico filled with classic churches and convents from colonial times tree-shaded plazas and alleys that beckon you with the promise of discovery I live one block from a gorgeous city park the Alameda Hidalgo and a half-mile from a stunning aqueduct built of pink quarry stone Every day when I walk my dog I think to myself Now this is the life

Quereacutetaro is a thriving state capital and commercial center with about a million inhabitants Itrsquos famously safe clean and cultural It has attracted international investment and developed a very cosmopolitan air

When I arrived here a year and a half ago having already lived in Mexico for three years I registered my intentions properly with the Mexican immigration and taxation bureaus and I hung out my shingle as a private English teacher specializing in business English

I started with one student But through word of mouth distribution of my business card and advertising on Vivanuncios and Segundamanomdashthe Mexican equivalents of CraigslistmdashI have built up my roster to more than a dozen students I live here for a fraction of what it would cost me to live in an average city in the United States I have permanent residence and I support myself entirely on what I make here

How did I get to this pointLetrsquos go back to 2010 I was a 51-year-

old high school teacher with considerable experience in the business world as well I had taken a chance on relocating for a job at a charter school that unfortunately ended its run a year after I arrived and there werenrsquot many other teaching jobs available in the area What to do

I had always kept the idea of teaching internationally tucked away as a possibility for the future and I thought well this is that future I put my resume online (see box below) and within three days had a position lined up at an English academy for adults in Changwon South Korea The adventure had begun After teaching business and conversational English there for a year I got wind of a job teaching academic subjects in English at a university high school in Culiacan Mexico and stayed there for three years I checked out Mexico City briefly but ultimately wound up in Quereacutetaro

Be Your Own BossNow that Irsquom working completely

independently I wouldnrsquot want to go back to working for employers I prefer having clients rather than bosses It took me more than five years to get to this pointhelliplonger when you consider my work history in the US But I have now established control over my work which is what matters to me

I make about two-thirds of my income from teaching private business and conversational English classes to adults The need for English in business here is pressing The European owners of local factories communicate with their managers in English Resumes are submitted in English Job interviews are conducted in English Making professional career progress without English is almost impossible Of course that is increasingly true all over the world but Quereacutetaro is ahead of the rest of Mexico on this point

The remaining third of my income comes from freelance remote writing and editing projects that I do online I am grateful that the internet permits me to earn a good chunk of my income in dollars since the dollar is so strong in relation to the peso right now Plus I like the variety my different work activities give me

Skill sets matter Anyone can get a

job teaching English somewhere but the better positions are restricted to those with certifications such as CELTA or other TEFL courses masterrsquos degrees prior teaching experience or some combination of these

Of course you could work in an entirely different field depending on your credentials experience acquired languages and the policies of the country you relocate to but what you bring to the table always matters

Itrsquos a clicheacute but a true one that the international life is for people who enjoy beautiful sunsets and can slow down to appreciate them Most of us expats havenrsquot gotten rich and never will thatrsquos not what wersquore in it for You need enough money to live comfortably of course but that is less money than you suspect it is when you live abroad And there are many ways to earn it while working less

Find a country with a high current demand for English teachersmdashSouth Korea China and Turkey come immediately to mindmdasharrange for a job online and go Many employers will pay for or reimburse the cost of your flight and will provide an apartment when you arrive

After four years of living in Mexico and having my work visa sponsored by the schools that employed me I applied for and was granted my permanent residence This is actually a required process at the start of your fifth year I can now stay in Mexico forevermdashwhich is my intention It is pleasing that there is no expiration date on my Residente Permanente card I never have to leave the beautiful country I have come to call home

Teaching English Where to Start

Teaching English is a great way to fund an overseas life Here are some websites where you can start looking for positions

bull httpwwwesljobsworldcom

bull httpwwweslbasecom

bull httpwwweslcafecomjoblist

bull httpswwwesl101com

bull httpwwwteachers-latin-americacom

bull httpwwwtieonlinecom


BRICKS-AND-MORTAR BUSINESS

You cannot walk the beaches without seeing dozens of photographers taking photos of happy young couples

From Cancuacuten to Tuluacutem shiny limos filled with wedding parties dressed in formal wear can frequently be seen loading and unloading from hotels restaurants and resorts on most evenings Itrsquos easy enough to spot honeymooning newlyweds in bars and restaurants all over the area and they are happy to tell you about their wedding that just happened a day or two ago

Joyce from South Africa had been working in client services on cruise ships when she met Alex from Denmark Their cruise ship careers gave them an opportunity to see the world and carefully consider where they wanted to set up home In fact it was on a break from their cruise ship positions that Joyce and Alex first visited Mexicorsquos Riviera Maya

available primarily online but Joyce says there is truly only one way to become a wedding planner and thatrsquos through experience

ldquoI think itrsquos a bit like becoming a good chef Therersquos way more to it than reading a recipe from a book Yes you have to be extremely well organized and be able to make decisions without hesitationrdquo she says ldquoYou must know how to work with people under stress your stress and their stress And sometimes you just have to know when to say lsquonorsquo Saying lsquonorsquo to the mother of a bride may be the most difficult one Those things canrsquot be learned in any bookrdquo

Charging a FeeJoyce says couples can spend

anywhere between $10000 and $50000 on a destination wedding along the Riviera Maya

ldquoThere are a number of variables that contribute to total costrdquo she explains ldquoThree big ones are the number of guests the selection of venue and the menu for the reception dinner Some brides also provide tour packages for the wedding party which obviously adds to the price Another great expense is the floral arrangements Something small and simple with roses for example will cost far less than a large arrangement with orchidsrdquo

A smaller wedding of 20 to 40 guests at a modest venue perhaps a beautiful public beach with a menu of baked chicken and mashed potatoes may cost $8000 to $10000

Larger more complex weddings obviously require much more of Joycersquos time to coordinate with the various vendors involved She provides several assistants and coordinators at the venue the day of the wedding to ensure that everything goes smoothly

ldquoThere is always something that needs coordinating or fixing on the day of the wedding and itrsquos crucial that we are there to handle any issuesrdquo Joyce continues ldquoThe more of my staff that is involved the higher the final cost will berdquo

Weddings that run upwards of $50000

will usually have 200+ guests at an upscale venue and a menu that includes several courses and a main course of lobster and steak for example as well as expensive wines and champagnes and multiple limos

Joyce charges between $3000 and $10000 per wedding for her services ldquoI base my fee structure on the complexity of the wedding and how many vendors I coordinate withrdquo she says ldquoTo be honest my custom services are worth quite a bitrdquo

Joyce is paid as much for what she knows and who she knows as for what she does

ldquoI hire the photographer book the entertainment manage all aspects of dealing with the venue I deal with the florists and make sure that all the colors meet the bridersquos requirements I also arrange for hair and makeup for the bride and her maids of honor I organize the local transportation and accommodation for the wedding party and coordinate any excursions or tours for the group Then of course therersquos the cakerdquo Joyce says

ldquoIrsquom on the phone for hours each day making local calls to vendors and suppliers and doing Skype calls with brides in the eveningsrdquo

ldquoIf you want to get into this business

Destination Wedding Planning is Profitable on the Riviera Maya


Joyce Mnguni has tapped into the demand for weddings in the sun as a planner in Playa del Carmen

Joyce charges between $3000 and $10000 per wedding for her services

Joyce believes the Riviera Maya sells itself as a wedding destination And the couples she connects with are usually eager to have their weddings there

ldquoThis area offers many wonderful choices for a wedding from the resort itself to hidden ancient cenotes (underground caves filled with crystal clear water) or even a catamaran cruise where the couple can be married on-deck near an offshore reef with snorkeling for guests after the ceremony There are so many optionsrdquo

So what do you need to set up as a wedding planner Energy and patience are high on the list But if you love to organize details and enjoy the fuss and frills of a wedding this could be the perfect opportunity for you in the right destination

Training and certification classes are



talk your way into working as an assistant wedding planner for someone who has a lot of experience Even if you have to work unpaid for a while the experience will be worth it

ldquoAs I was growing up I witnessed hundreds of weddings and brides over the years as my motherrsquos business assisted them in planning the most special day of their livesrdquo says Joyce ldquoIt is such a happy business and I always knew that one day Irsquod be doing the same thingrdquo

Getting StartedAs she traveled the planet a vision

of running her own destination wedding service began to take shape

Always on the lookout for the perfect location Joyce recognized the potential for her new business in the 1 vacation destination on the Caribbean

So in 2007 the couple resigned from the cruise line and put down roots in Playa del Carmen Despite her background and training Joyce wisely realized that as a newbie to the area she needed to learn the lay of the land before venturing out on her own

ldquoThere were a few destination wedding planners already operating in Playa I was able to secure a position with one of them for a few years building my list of local contacts and resources while gaining experience in the industryrdquo she explains

However Joyce quickly identified a shortcoming in the existing destination wedding providers in the area and set about offering a different service The market offerings consisted mostly of pre-packaged weddings with few options available for a bride to customize her big event After gaining knowledge of the local market it was time to strike out on her own

ldquoIn 2010 I opened my own business Dream Weddings Riviera Maya I wanted to do custom weddings made-to-order with no pre-designed packages I had someone build my website which is regularly updated That was the first steprdquo

WebsiteJoyce said she invested

between $6500 to $7500 to get her business going and was able to recover her initial costs in the first year

ldquoMost of that was the expense of building the websitemdashabout $5000mdashbut my website is the front of my business I rely on it to represent me to the thousands of people in the US and beyond that I wouldnrsquot otherwise reach There was also about $1500 in government fees plus the initial expense of setting up and opening the office

ldquoSome find my website directly from their browser and others find me because I maintain a presence on a number of wedding sitesrdquo

Joyce has her office in downtown Playa del Carmen and employs an assistant who provides administrative and operational support Rent for the office is about $450 a month sometimes less with the favorable exchange rate

The busiest time of the year for weddings along the Riviera Maya is from May through November December is generally slow because of the holidays Sometimes Joyce handles up to four weddings in a week

ldquoOur office is important so that I have a place to meet with couples and discuss the many details of their weddingrdquo she says ldquoWhen a couple is here for a scouting trip there are a ton of particulars to settle Having a comfortable meeting place is crucial Once they leave follow-ups are done with phone calls and emails so that there is always something in writing

ldquoIrsquoll send a contract that specifies all the details of my services and collect a deposit The venue will provide their own contract for their services and I work with the venue to ensure the contract is correct I collect the balance of my fee one month before the wedding I accept PayPal or wire transfer

into my bank accountrdquo Her greatest challenges are dealing

with unrealistic budget expectations and successfully connecting with clients scattered across many different time zones

ldquoIrsquove only had to deal with two lsquobridezillasrsquo over the yearsrdquo Joyce says ldquoMost brides are fairly easy to work with but I understand how emotional a time this isrdquo

Joyce now has permanent residence in Mexico and earns enough money to live a very comfortable life Her personal monthly budget is between $2500 to $3000 She travels internationally once or twice per year shares a beautiful home with her husband and child and enjoys upscale restaurants several times each week

ldquoWe love the beach and often swim in one of the local cenotes We have a nice group of friends and enjoy hanging out with them toordquo she says

ldquoWith my family in South Africa and Alexrsquos family in Denmark we live an international life Working on the cruise ship was a great introduction to working with and living with different cultures The Riviera Maya is truly a cultural blend of people from across the globe travelers as well as residentsrdquo

Reflecting on the course her life and career have taken Joyce beams ldquoI knew that Playa would make a great home as well as a perfect location for my businessrdquo Judging by the results it seems her instincts were dead-on

You can meet a need for wedding planning services in good destinations all around the Caribbean

You can train to be a wedding planner through online courses The courses offered by the Wedding Planning Institute provide basic instruction and certification as well as advanced instruction in event planning for those who have accumulated some experience and want additional training They also offer live seminars across the US providing accelerated training sessions with a short internship and have affiliations with several community colleges

Becoming a Wedding Planner

copyD

ream

stim

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COVER STORY



Jenson Foti right and his team are filling a wide-open niche for motorcycle rentals in the bustling progressive city of Medelliacuten in Colombia

Running a rental business is often a way for enthusiasts to be involved in their favorite past-time on a daily basis and pass on their interests to others

Pursuing a Passion Chuck Herwig began his successful

surfboard rental business in Costa Rica when his career as an industrial engineer in Florida hit a dead end Tired of the corporate jungle he sought a major change and his thoughts turned to his one true passionhellipsurfing and his favorite surfing spot in Central America Saying adios to his stateside life and corporate job in Florida Chuckrsquos choice for his next chapter was Jacoacute on Costa Ricarsquos central Pacific Coast a well-known and popular tourism hot spot with world-class surf

ldquoI had traveled to Costa Rica several times Then there was enough of me here that I had to stayrdquo says Chuck

ldquoI have a passion for what I do I really enjoy my job I can walk to the end of my street and go surfing anytime I wantrdquo says Chuck ldquoIrsquom still doing well financially I live on a nice property about eight minutes inland on the edge of the jungle Irsquom a cowboy at heart as well as a surfer I love to get out on the water I surf five to seven days

some weeks Irsquove caught I think 80000 wavesrdquo

Now after 12 years and building his business from scratch he has one of the oldest and most popular surf shops in town Chuckrsquos WOW Surf

But things started small Soon after moving down Chuck was offered a job as a surf guide with a travel agency He also helped a friend with a surf shop and did ding repair on surfboards In 1995 he decided to open his own surf shop selling surfboards and apparel as well as renting boards and offering surf lessons

Although surfboard rentals account for only about 15 of Chuckrsquos overall business with board and clothing sales and surfing lessons making up the rest he does consider it important And he definitely serves a need for visitors His rental clientele is a mix of experienced surfers in need of high-performance boards as well as intermediates and beginners

Steve Reyer shared Chuckrsquos passion for surfing But rather than starting his shop from scratch he bought a well-established existing business Itrsquos a much easier route he believes Steve also chose Costa Rica to escape the frigid waters of Long Island New

York where he had learned to surf ldquoWhen I was in my corporate career

I was going to Costa Rica on surfing vacationsrdquo says Steve who was a sales executive in the telecommunications field ldquoFinally I was done with corporate America and decided to make the leap I spent several months checking out different beach towns to get a feel for them Surfing was my primary reason for moving downrdquo

Steve decided on one of Costa Ricarsquos most established expat strongholds and a hot surfing destination Nosara to stake his claim

He returned to New York and sold all his possessions Leaving with a couple of suitcases and ldquocashed outrdquo He moved down with a healthy bank account but Steve admits he didnrsquot have much of a game plan

ldquoI thought about getting into real estaterdquo he said Instead he ended up following his passion and buying a well-established surfing business from a guy who wanted to retire

Steversquos business Coconut Harryrsquos boasts an inventory of some 150 surfboards of varying styles and types to fit every skill level He had no retail experience per se but his experience in marketing accounting and managing people helped out The fact that the original owner had kept meticulous financial records was a big help

When buying a business overseas as anywhere else itrsquos important to perform your due diligence Itrsquos also likely that you may need some local legal assistance to deal with required processes and documents which in

Depending on the type of item yoursquore renting yoursquoll find a variety of channels to promote your business to customers

Novelty PR When you have a quirky item you have a good chance of getting media coverage Steve Mueller became the subject of a TV program with his Vespa scooter tours and Tony Martin was inundated with bookings when his VW Kombi campervan rentals were featured in a national newspaper Get your press release out there

Effective websites A good website will make it easy for customers to find you Put yourself in the customersrsquo shoes If theyrsquore searching for your service what search words are they likely to use Be sure to use these words on your site

Blogs and testimonials People share information online about their common needs Yoursquoll find a multitude of parenting blogs where baby-gear rentals will be big news The same goes for surfers who compare notes on rentals in various surf spots Get your customers to post testimonials about your business

Local affiliates Tap your fellow tourism entrepreneurs to spread the word Hotels cafeacutes restaurants and hostels should all have your details to pass on to their customers Having good services in a tourism destination helps the overall customer experience so they will be only too happy to help

How to Find Customers for Your Rental Business


COVER STORY

all likelihood will not be in English Unlike Chuck a higher percentage

of Steversquos business comes from surfboard rentalshellipabout 40 Surfing lessons and retail sales make up the rest Most of Steversquos renters are beginners and intermediate but he feels itrsquos important to keep a variety of boards on hand for various skill levels

ldquoWe carry a good selection of high performance long boards and short boards for those looking for quality Experienced surfers love these boardsrdquo says Steve ldquoWe can rent for a weekhellipor a month You can change the board during your stay based on conditionsrdquo

Steve says his rental prices were in place when he took over the shop He made some changes creating a long-term rental rate ($90 and $120 a week respectively) and a new category for high-performance boardsmdashmaking it a little more expensive ($20 a day for a premium model versus $15 for regular boards)

Besides the surf the lifestyle and environment in Nosara was also a big draw for Steve

ldquoItrsquos a beautiful beach Therersquos the jungle and the animals I get to surf every day There are great restaurants and lots of live music Itrsquos a good group of people and a wonderful place to liverdquo says Steve

Spotting a NicheBoth Steve and Chuck followed their

passions into the rental business But for sisters Terrie Gaughan and Sheri Bass it was a matter of responding to a need

During breaks from teaching in the small community of Selah Washington the sisters shared vacations on the stunning beaches of Puerto Vallarta on Mexicorsquos Pacific coast

They often talked of living there full-time They frequently took their wheelchair-bound mother Shirley with them on those trips south But trying to push their mother to the beach in a wheelchair was impossible

ldquoWe all loved Puerto Vallarta especially mom but the problems with getting her down to the ocean in a wheelchair were very realrdquo explained Terrie ldquoWe had to call upon the kindness of strangers to carry mom and her chair down to the water or simply stay up near the street where she could not get into the ocean Regular wheelchairs wonrsquot roll in the sand It was horrible There was no way to preserve her dignity or independencerdquo

The experience presented an opportunity to fill a need that was unfulfilled Visitors to the area with physical disabilities were unable to easily access the beach and many other areas of town

ldquoThe beaches werenrsquot the only problemrdquo says Sheri ldquoThe streets around much of Puerto Vallarta are rough cobblestones with steep sharp curbs and very few ramps They are charming to look at But walking even for a person without disabilities can be a challenge and getting around in a regular wheelchair is impossiblerdquo

Like most other countries Mexico does not have the equivalent of the Americans with Disabilities Act So construction engineering and design rarely consider accessibility options for those with mobility issues

The market for specialized mobility equipment was wide open There was virtually no competition in the area And tourism is big business in Puerto Vallarta The city has an international airport (which delivered record numbers of visitors in 2014) and a cruise ship port New hotels and resorts are aiding in the growth of tourism and while no specific numbers were available the women reasoned that a number of those visitors many in their senior years would be potential customers Although they searched for data they were unable to accurately verify the numbers of handicapped tourists visiting the area each year and relied solely on their own experiences and instincts

The idea of partnering up to start a business that rented special fat-tire wheelchairs that can roll on sand and other specialized mobility equipment to handicapped tourists in Vallarta raced from a dream to the beginnings of a business plan almost overnight

The need for mobility equipment in Playa del Carmen gave Terrie Gaughan and Sheri Bass

the inspiration for a business idea

Importing You may have to bring equipment in from overseas so check out the restrictions and levies that apply Terrie Gaughan and Sheri Bass imported a brand new and very expensive motorized wheelchair from Europe which the Mexican government classified as a ldquoluxury itemrdquo The pair was forced to pay a 100 luxury tax on it

ldquoThe chair was already very expensive and by the time we paid the import fees it was a huge expense that really hurt usrdquo Terrie said ldquoWe paid dearly for that lessonrdquo

Seasonality Tourism destinations are often subject to seasonal business so you have to spread your costs and save for the slow times of year For instance although you can surf year-round in Costa Rica the tourist high season is only five months The rest of the year there are much fewer visitors including fewer surfers so renting surfboards has a limited window

ldquoThe expenses continue throughout the year with a fraction of the revenue making it tough to make a profit in the low seasonrdquo says Steve Reyer in Costa Rica ldquoIn general successful businesses make enough to pay their bills and continue to stay openrdquo

ldquoMy main goal of moving here was to be able to make enough money to sustain myself and surf every dayrdquo says Steve ldquoIrsquom very thankful and fortunate to be able to do that Irsquom also very proud to employ many locals and give them a good living to enjoy their lives as wellrdquo

Language Like all overseas businesses it helps to speak the language You may be dealing with overseas customers who speak English but you still engage with local staff and support services Even though Jenson Foti just moved to Colombia in 2014 he is already running his motorcycle rental business in Spanish

How did he do it Besides being immersed among Spanish speakers Jenson has a Spanish-language teacher come to his office every morning at 9 am for a two-hour study session

Overcoming Rental-Business Challenges


COVER STORY

Steve Reyerrsquos rental business accounts for 40 of his income and gives him a lifestyle he loves on

Costa Ricarsquos Pacific coast

ldquoWe didnrsquot come at this from a typical business perspective that is to make moneyrdquo says Terrie ldquoWe started Beach Crossers primarily so that those with mobility issues like our mother could enjoy the beach with dignity and independence Naturally wersquod need to make a living but that wasnrsquot our primary motivationrdquo

In 2014 the three women put their plan into action and since then their growth has been strong and steady

A similar need for mobility prompted two expat toddler moms Sarah Fahey and Rosi Cooney to start a rental business in San Juan del Sur Nicaragua

As the Pacific resort town became increasingly popular with young families on vacation Sarah and Rosi recognized the need for baby strollers car seats changing tables and cradles She teamed up with Rosi Cooney and with just $1000 investment in baby gear they got their business off the ground

Before starting up they did some checking to determine equipment rental price points ldquoWe did some market research by looking into prices of rental equipment in other family-friendly beach destinations such as Costa Rica the Bahamas Puerto Ricordquo says Sarah ldquoWe were careful to use those prices only as a guide but then adjusted based on Nicaraguan travel budgetsrdquo

They ran the rental venture from their homes and not having to pay rental on a premises kept their overhead low The rental equipment revenue comes almost exclusively from tourists who are thrilled to learn that they donrsquot have to drag everything with them to enjoy their family vacation

Getting StartedOne of the first steps in operating a

rental business is acquiring equipment Beach Crossers in Puerto Vallarta handled that in an innovative and economical way

ldquoWhenever one of us our friends or a family member would travel down to Puerto Vallarta wersquod all bring a special fat-tire beach wheelchair or two on the airplane Sometimes it would be walkers or rollators as well Thatrsquos how we handled our initial inventoryrdquo says Terrie

But even before the need for inventory there was the matter of legally establishing their business in Mexico

In the beginning both Sheri and Terrie still had their teaching jobs back in the States They each flew back and forth to Vallarta as they worked through the process

of hiring lawyers and accountants and setting up the business In January of 2014 Beach Crossers permits and paperwork were all in order Unfortunately the women lost their mother that same monthhellipbefore renting their first wheelchair

Shirley had left a dedicated sum in her estate to ensure a healthy start for Beach Crossers Her daughters estimate the start-up expenses between $50000 and $70000 They broke even during their second year of operation and expect to fully recover their initial investment by the end of their third year

ldquoWe bought inventory paid our lawyers and accountant and all the business licenses and fees (about $1300) and of course we needed living expenses in the beginningrdquo said Sheri

In June of 2014 Sheri took a one-year leave of absence and moved to Puerto Vallarta to complete the formation and organization of the business Terrie continued to commute several more times that year

ldquoIn June of 2015 I took an early retirementrdquo said Terrie ldquoand I moved to Puerto Vallarta full-time so that Sheri and I could make this happenrdquo

Equipment requires regular maintenance to be reliable And mobility equipment in particular requires regular washing in fresh water replacing and greasing bearings and waterproofing electronics Making sure that all is in working order is essential

The women have no need for a brick and mortar facility at this point

ldquoFor nowrdquo Sheri says ldquowe keep and maintain the equipment at our house and we have some help doing that As we grow though I can see us needing a larger space for storing the equipment Business is growing and we do work really hardrdquo continued Sheri ldquobut we manage to get to the beach a few times each week and enjoy barbecue parties around the pool with friends I think our mother would approverdquo

While specialized mobility equipment is expensive baby gear is less so Sarah and Rosi in Nicaragua got going for only a few dollars with a small number of strollers

ldquoIt would not have been sustainable if we needed to import everythingrdquo says Sarah ldquoThe majority of our rental itemsmdashpack rsquonrsquo plays baby tubs car seatsmdashwere new when we opened We also have a few second-hand items in excellent condition This is a transient town so there are often

people coming and going and when they go they usually have items they need to sell

ldquoOur start-up costs were easily a tenth of what Irsquod expect to pay in the US northeast We were able to purchase all of our rental items for under $1000 Though as the business grows and the demand increases we will need to add to our inventoryrdquo

Getting AroundJenson Foti like Sheri and Terrie also

discovered that uncovering a market niche is sometimes as easy as not finding what you want He wanted to rent a motorcycle but no one in his new home of Medelliacuten Colombia had what he was looking for

Jenson has an oil industry job in the Middle East with a work schedule of one month onone month off So every other month he returns to Medelliacuten which he now considers home

After several months of exploring the area and enjoying himself Jenson wanted something productive to do with his time in Medelliacuten He also wanted to build a business with the potential to replace his oil industry salary He saw that Medelliacuten has a regular influx of backpackers and young travelers And with no place to rent a motor scooter or motorcycle Jenson reckoned there was a viable gap in the market

Seeing a business opportunity he started Medelliacuten Scooter Rentals in October 2015 He began with four motor scooters that cost about $1600 each Initially he operated from home having customers come to his


COVER STORY

apartment building But before long he rented an office space within an existing motorcycle sales and repair business Most of Jensonrsquos customers are travelers And his office is well-located in a Medelliacuten neighborhood with lots of hostels and hotels

He rents his motor scooters and motorcycles by the hour day week and month The scooters start at $10 an hour The larger bikes start at $15 an hour with discounts over four hours and over eight hours The day rate is $45 for a scooter and $60 per day for a larger bike He also has weekly and monthly rates

Before coming to Colombia Jenson frequently rented motorcycles himself And he runs his business with his experiences as a rental customer in mind ldquoI didnrsquot like it when rental companies gave me a mileage limit So I donrsquot have onerdquo says Jenson ldquoPeople have taken my bikes all the way to Cartagena and Calirdquo

Across the world Steve is operating a similar business in Vietnam Vespa Adventures is headquartered in Ho Chi Minh City

On Steversquos second day in Vietnam he bought an ldquouglyrdquo but classic used Vespa motor scooter Recognizing the value and rarity of such a classic motor scooter in the US Steve began to buy as many used Vespas as he could find He had them restored for little money by utilizing expert local mechanics and then exported them to eager buyers in the US and across the globe for a tidy profit

Like Chuck in Costa Rica Steversquos success wasnrsquot instant He had to change directions a few times and manage the morphing of his business into an entirely new venture

ldquoBuying all those Vespas for export

worked for a while In fact it worked too well I essentially put myself out of business I couldnrsquot find enough used scooters to stay in business I had to shift business models a couple of timesrdquo said Steve

When the supply of available Vespas dried up he kept a number of them for himself and teamed up with local tour companies to operate guided Vespa tours throughout the region tours that would take several days to complete He discovered that many tourists didnrsquot have the necessary time to take a multi-day tour so he changed his business model once again

These days Steve operates short guided day tours and nighttime tours of Ho Chi Minh City

Expansion Knowing when and if to expand and

maintaining flexibility in your business model are obviously very important

In just six months Jenson says his business is profitable and hersquos in the process of opening a second location with additional locations planned before the end of the year He has also invested further to meet the demand for larger motorcycles rather than standard scooters

Jenson has already signed the lease for his second location which he says will start with a mix of 10 different motorcycles and scooters Based on projections from his first six months in business he has set a goal to open three additional scooter rental locations before the end of 2016 for a total of four Apparently he isnrsquot the only one in Medelliacuten wishing there was a place to rent a motorcycle

Steve also has satellite locations for his Vespa rentalshellipone in Hoi An Vietnam and another in Siem Reap Cambodia

After a year and a half toddler moms Sarah and Rosi realized that an indoor activities place for kids would also fill a gap in the market so they moved on it Now their business Mums and Bums not only offers rentals but also a place for children to play in their small Nicaraguan beach town

ldquoOur profit from the rentals versus the play space changes nearly every monthrdquo says Sarah ldquoIn November and December the majority of our revenue was generated via memberships at the play space However in January and February we saw an increase in rental needs which I attribute to vacationers escaping their wintery homes So itrsquos probably fair to say that our revenue is split evenly between play space and rentals now

ldquoRents though higher in San Juan than other Nicaraguan towns are still reasonable And for a small business like this we pay under $700 per month including WiFi water and electricity

ldquoOur monthly expenses now run around $1000 for everything rent salaries taxes monthly maintenanceimprovementsnew items marketing and cleaning suppliesrdquo

In operation for only six months Sheri and Terrie at Beach Crossers noted another obvious niche where they could expand and purchased a specialized handicap van for transporting mobility-challenged customers and their wheelchairs around the Puerto Vallarta area They say the handicap van service is an ldquoon callrdquo service and rates run from $35 per trip up to about $75 per trip depending on the distance traveled and time involved

ldquoWe are plenty busyrdquo says Terrie They bought the van in the States and

drove it all the way down paying a nominal import fee at the border

MarketingSteve Mueller takes little credit for his

marketing success In late 2008 his Vespa Adventures had a stroke of good fortune The popular television show Top Gear ran a special on Vietnam during which the hosts traveled from Ho Chi Minh City to Hanoimdashessentially the length of the countrymdashon motorbike

The episode was a hit with fans and the phones at Vespa Adventures started ringing off the hook That exposure led to even more exposure Because Top Gear has a big following in Australia Jetstar an Australian budget airline did a three-page article on Vespa Adventures for their in-flight magazine Thatrsquos like winning the marketing lotto

Facebook blogs and email marketing proved to be effective marketing channels for the baby-gear business in San Juan del Sur

ldquoWe started with just two strollers a couple of pack lsquonrsquo plays (a kit with a portable crib changing table and toys) and a car seatrdquo recalls Sarah from Mums and Bums ldquoWe also reached out to local businesses who catered to vacationers (rental house companies hotels and so on) and asked them to refer clients to us and to include a referral to our business in their correspondence with clients In our first month we rented a handful of pack lsquonrsquo plays without much effort We now have a fleet of strollers car seats pack lsquonrsquo plays and toysrdquo

Moms Sarah Fahey and Rosi Cooney started renting baby strollers in San Juan del Sur

for an investment of $1000


COVER STORY

Tony Martin was living the high-stress life of a senior executive in the music and media businesshellipregularly flying from his home in the UK to New York and European cities ldquoI was earning wellrdquo he says ldquoBut it seemed the more I earned the more I needed to earnrdquoEventually Tony 53 and his wife Yvette 49 decided it was time to escape Five years ago they took a VW Kombi campervan on a six-week trip around France in search of a new home and found their dream spotmdasha four-acre site with a lake two rivers two houses and a swimming poolmdashfor 30 of the value of their house in the UK ldquoItrsquos crazy the value you can get in rural France by comparison to the UKrdquo says Tony ldquoFrance has a blue-sky climate and we can sit by the pool admiring all that nature has to offer in our T-shirts right up to OctoberldquoWe live just outside a village Monflanquein 30 minutes south of Bergerac airport The village has amazing night markets where you can take a plate around the stalls of local food producers and share a table with other peoplerdquoTony and Yvette describe themselves as ldquorefugees from the media industryrdquo and are loving the slower pace of life they now enjoy along with their young son Scooter

New IncomeFor the first two years of their overseas life Tony continued to work remotely with his job But as he shifted into semi-retirement he and Yvette were looking for an income They recalled their time in the campervan and thought about getting into the rental business with reconditioned VWs So they invested $34500 in a vehicle set up their business and Tony used his PR skills to get some coverage in a national newspaper in the UKldquoTwo days after the article appeared I thought I better check the new email I had set up for the business and there were 450 enquiriesrdquo he says ldquoEven though we only had one van we took bookings for four vans that season and scrambled around to find morerdquoldquoIt was meant to be a semi-retirement thingrdquo he admits ldquoBut I felt there was an energy around it so I went back to the UK investment community Now Irsquom about two years away from stepping back from the businessrdquoWhile Tony expects his shareholders will see a dividend in the medium term the business is a long-term investment so a

Nostalgia Allowed This Expat Couple to Get Off the Corporate Conveyor BeltBy Cleo Murphy

return isnrsquot likely for another few years Maintaining VW campervans from the 70s is not easy But fortunately Tony found a French guy just 20 minutes from his home who restores Beetles Porsches and campervans Parts he says are still easy to come by The vans have lots of added extras that Tony and Yvette thought were missing when they originally took their VW trip around southwest France games movies navigation systems and a starter pack of French food

Overcoming Challenges

Tony warns that running a business in France can be quite rigid ldquoFrance is an amazing place to do things a little more slowly but it can be frustrating to deal with administrationrdquoHe has overcome the difficulties by setting up a French company for insurance local garage expenses and so on and a UK company for bookings and revenue One company simply invoices the other He also warns against hiring full-time staff in France because of the level of employee rights Instead he hires contractors and causal labor Tony still has semi-retirement in his sights but he has capitalized on the demand for this fun quirky mode of vacationing He has opened a center in Girona across the Spanish border and another in Auckland New Zealand Today wedubyoucom has 26 vans across France Spain and New Zealand They will shortly be opening in California He has appointed managers to both places Plans are underway to have wedubyoucom operate in California in the near future On the Spanish island of Ibizamdashwhich still has a hippy culture from the 60smdashTony has entered into a franchise arrangement to make his VW van vacations available This he hopes is the first of a number of franchises he plans to develop and hersquos happy to discuss the idea with potential partners You can contact him at teamwedubyoucom

Tony and Yvette Martin are enjoying life in the sunny south of France

renting VW Kombi vans

Beach Crossers has an active website which delivers a notable amount of business But most of their clients come from the hotels and tour companies with whom they share referrals

The real perk of running a rental business is that you get to spend all year in a place where others yearn to visit or even have a

week-long vacation ldquoI always wanted to live in Latin America

I love the culture family orientation and festivals But I didnrsquot want to do withoutrdquo says Jenson In Medelliacuten he doesnrsquot have to He loves the wide range of goods the low cost of living and the First World lifestyle When he discovered Medelliacuten in 2014 he stopped

searching He tried several places in Latin America that didnrsquot fit his lifestyle

ldquoI was impressed with the cleanness And everything is super convenientmdashespecially for an American with dollars Itrsquos good value and now even more affordable (due to the current exchange rate) I can do everything here I can do in the Statesrdquo


CHANGE YOUR LIFE

Are You Scared of Big Changes Thatrsquos Good News

By Valerie Young

In her pre-fame days the actor Helen Hunt was living and working in Los Angeles What scared her then was the

idea of auditioning for parts on Broadwaymdashlive theater For most people fear is a showstopper but Helen used her fear to propel herself forward

ldquoIf I started to feel too safe doing anythingrdquo she explained in a 2001 interview with Charlie Rose ldquoI would move toward what scared merdquo

So she packed her bags left the comfort and familiarity of LA and headed to New York City to move both literally and figuratively in the direction of her fear

Wise moveI spent seven years commuting 90 miles

a day to my corporate job Then I set in motion a series of events that led me to where I am today a successful self-bosser who wakes up every day to my comfortable home office with a fantastic view

And during that timemdashover two decadesmdashIrsquove helped change-seekers manage the fear of making a major worklife change Along the way I learned a few things about fearmdashand what to do about it You may think Irsquom going to tell you to be fearless In fact Irsquom going to tell you just the oppositehellip

If yoursquore scared of moving overseas itrsquos actually really good news Think about it If you didnrsquot believe that redesigning your life was possible yoursquod have nothing to fearmdashright

The key is to stop waiting until yoursquore no longer afraid and to instead realize that even positive change is still scary Then find the courage to embrace that change

Courage is not a matter of losing your fear so you can take action Courage comes from taking action which in turn helps you to overcome your fear The fact that yoursquore drawn to the international life means some part of you really is ready for an exciting new chapter Trust that fear and move toward it

Frank wanted my help coming up with an idea for a portable business At 58 he was looking to relocate to Panama but wasnrsquot quite ready to retire He had lots of gifts and interests that together we could fashion into a viable income stream and he had a clear end goal

I was confident I could help That ishellipuntil Frank said ldquoIrsquod start a

business today if I knew it wouldnrsquot failrdquoFrank wants what a lot of journey-

seekers want guaranteed success But waiting for the illusive sure thing

keeps far too many people from even attempting to live the international lifehellipwhich makes as much sense as deciding not to leave the house unless you know all the lights are going to be green

There are no sure things You have to get as informed as possible take small steps and tweak your plan as you go

Attaining my dream house with the view was three years in the making Well before I put my previous house on the market I spent considerable time sprucing things up and cleaning out years of clutter

tempted to pause the mental horror story here and make a hasty retreat

That would be a mistake Because worst-case fantasies are usually just that Bring a dose of reality to your thinking by considering how likely this fantasy is to occur When you really stop to think about it the odds that your worst-case scenario will happen are pretty low You can lower the chances even more by doing some advance thinking about things you could do to either prevent your worst fear from happening or to minimize the impact if it did occur

Whether itrsquos fear of failurehellipthe judgment of othershellipor a lack of self-confidence thatrsquos holding you back the solution is not to wait until yoursquore no longer afraid before making your move The only way yoursquoll really know you can handle whatever happens is to take action despite your fears

Itrsquos perfectly normal for example to be afraid your new portable profit center will flop Being afraid that any setback will prompt a hail of ldquoI told you sordquo from unsupportive family or friends is understandable Just make sure you take actions that signal to yourselfmdashand the naysayersmdashthat you have just as much right as the next person to regroup learn from the experience and try again

One way to foster a ldquofeel the fear and do it anywayrdquo attitude is to hang ldquoI CAN HANDLE ITrdquo signs above your desk on the dashboard and on the bathroom mirror

It helps too to break things down into small manageable steps Instead of focusing on moving halfway across the globe a safe place to start might be to send away for literature or connect with expat groups on social media

Begin with low-risk steps and gradually work your way up to making your overseas dream a reality

Editorrsquos note Valerie Young is a business-idea expert who has helped thousands of people to make the break from having a boss to being their own boss She began publishing the Career Change newsletter in 1995 and now runs retreats workshops and seminars See her website Changing Course for more

There are no sure things You have to get as informed as possible take small steps and tweak your plan as you go Still the closer it came to moving day

the scarier it got I started second guessing my decision After all I liked my old neighbors and there was a lot I loved about my old house

Letrsquos say yoursquore stuck because yoursquore afraid if you give up your salaried job to move to another country that you wonrsquot be able to earn enough money

Indulge your fear for a moment by asking yourself ldquoWhat is the worst thing that could happen if I didnrsquot make enough moneyrdquo Your worst nightmare might range anywhere from having to borrow money from your family to declaring bankruptcy to living out of a cardboard box under a bridge in Bogota Scary stuff for sure Unfortunately no matter how unbearable your current situation may be you might be


TRAVEL SOLUTIONS

Solo Travel Get Set for Your Overseas Adventure

By Jennifer A Huber

Traveling alone is the most liberating and rewarding experience You get to set your own schedule itinerary and pace

without having to consult another It builds your confidence in day-to-day

life because you learn to cope when speed bumps come along whether itrsquos missed flight connectionshellipdirty hotel roomshellipor trying to find an ATM that accepts your debit card

When you travel to a place where you do not know anyone itrsquos like getting a fresh start in life People do not know your story and cannot pre-judge you You have the option of showing off your true personality

My first solo journey was more than 25 years ago Since then business and personal trips have led me to Brazil Canada and throughout Europe Curiosity led me to Afghanistan Cuba and Japan to understand the cultures

I have been married and divorced and traveling solo after I became single again was not without difficulty Sometimes I made arrangements with travel companions but I was often disappointed when plans with others fell through

Eventually I made a decision not to let my fear of being alone prevent me from seeing the world as a solo traveler Irsquove been doing it for a couple of decades and I absolutely love it It helps to have a few strategies to get the most out of your solo journeys

Meeting PeopleTraveling solo does not mean you are

traveling alone in a bubble Book a city tour to meet and interact with other travelers There are several reliable tour-guiding companies you can use including Context Travel Rick Stevesrsquo Europe and Urban Adventures

The website meetupcom is a great way of finding open groups in your destination Do your research before you go Contact expat websites and express your interest in connecting

Dining OutEnjoying local cuisine is a huge part of

the travel experience Tucking into a delicious plate of pasta in Italyhellipa paella in Spainhellipor the gorgeous gastronomy of France But itrsquos important to enjoy the experience on your own

Before your journey take yourself out to dinner alone in your hometown If you feel self-conscious bring along a magazine or smartphone to read at the table This will distract you until your meal is served Remember people are not judging you when sitting alone If they are give them something to keep them guessing about you

Speak the LanguageIf you donrsquot speak another language

you can choose an English-speaking country for your first solo journey Enjoy the tropical delights of the Caribbean in Belize where English is the official language or try the edge of Europe in English-speaking Ireland

My first solo overseas trips were to

spaces are ideal for solo travelers who need an internet connection They are shared workspaces providing tools such as a fast internet connection outlets to charge your gadgets andmdashusuallymdasha peaceful work environment Yoursquoll be among other solo travelers so interaction with other like-minded people is a possibility (See Incomes Abroad March 2016)

Keeping SafeBefore heading out on your trip share

your itinerary including your flight and hotel information with someone back home whether itrsquos a parent sibling or friend Drop a line to this person once a day so they know you are enjoying yourself This can be done through email Facebook messenger Skype or free smartphone apps like Viber or WhatsApp

Enjoying an adult beverage in a pub with the locals usually makes for a memorable and enjoyable time but limit your alcohol intake so as not to lose your inhibitions This way you will stay alert to your surroundings and belongings

Unwanted AttentionIn a friendly atmosphere stay open to

the possibility of small talk but guidebooks magazines and smartphones are a handy way to ward off unwanted attention

When checking into your hotel room ask the front desk clerk for two keys especially if you are within earshot of other guests This will give the impression there is someone traveling with you

Looking back to my first solo trip I realize I am a different person today Because of traveling solo I have had experiences out of my comfort zone that have made me a stronger more confident person

I feel more alive when Irsquom out on my own making decisions and enjoying what I want to see and do whether itrsquos touring a museum walking through a local market or kayaking a new waterway

Traveling solo allows time to reflect Itrsquos an opportunity to know your true self and come to the realization you are capable of anything

Editorrsquos note Jennifer A Huber regularly travels solo She writes an award-winning travel blog called SoloGirlTravelcom

I feel more alive when Irsquom out on my own

England and Ireland where I soaked up the European vibe I had the feeling of a true adventure without the roadblock of understanding another language Since then I have confidently visited countries like Sweden France and Portugal where English is not the native tongue But I brushed up on key phrases and quickly learned a smile is the best way to communicate

Alternatively you can learn a languageCommunity colleges and continuing

education programs frequently offer language classes and there are several language programs on the market Many guidebooks have a dictionary with key phrases

Download a language learning program app to your smartphone Duolingo is a great free program to learn key phrases and words and Google Translate is terrific for translations With this app you can type in words or phrases use your finger or stylus to write them snap a photo of a sign or dictate using the microphone The app will display the translation in the chosen language as well as pronounce it

Communal SpaceIf yoursquore writing blogging or running

a business on your travels co-working


SET-UP SOLUTIONS

Easy Income in Your Own Spanish Airbnb

By Elizabeth Bate

When we moved to the beautiful city of Valencia Spain two years ago I assumed I would get a

job easily as Irsquove never had any problems before My husband Mark had secured work as a contractor with the United Nations but I was struggling to create an income for myself

Thatrsquos when I came up with the idea of doing Airbnb

This for us has been the most profitable and fun business we have encountered since moving to Spain We are always searching for interesting ways to make moneymdashI have sold items on Ebay and Wallapop and trained in beauty treatments

We rent a three-bedroom apartment in the middle of Valencia andmdashwith our 13-year-old daughter Aliyah in one roommdashwe still have a spare room for guests Our landlord was agreeable to us renting it to visitors and so we began

Airbnb has been a lifesaver for us andmdashalthough we are doing it solely for the extra incomemdashwe have had such a great time meeting people from all over the world Airbnb has not just given us a much needed extra income boost but also a social connection with the world We would recommend it to anyone who can (with landlord permission) to try this out

Potential IncomeWe have managed to make around $700

a month Yes you have to strip beds chat and be available But it still gives you lots of free time to live your life You can tweak your availability and only take the bookings you want You have the opportunity to look at the reviews prospective guests have previously received and it is at your discretion who you accept

Our guests have been from all over the world Wersquove had Australians Germans Austrians Swedish Dutch Americans and more to stay in our home (Wersquore from Northern Ireland ourselves) We struck up a real bond with a couple from San Franciscomdashvibrant inspiring people who were travelling across Europe and remotely working on their start-up company We are also working on a start-up so we were really excited to meet them and have the

opportunity to share our ideas We hope to catch up with them again this summer

TaxesAirbnb laws here in Spain

are tricky and vary widely depending on your region so itrsquos important to do your research For instance in Valencia you have to register your property on a local registry at the town hall if you wish to list it on Airbnb They depend on you to supply the correct information for tax purposes In Barcelona they add a tourism tax to the guestrsquos bill Madrid is trying to pursue new laws to restrict the number of days a guest can stay

Expert HelpWe are lucky that Mark

is already autonomo (self-employed) And he has a great accountant which has made things a lot easier In Spain you need a good accountant who can speak English and Spanish He keeps us up to date with the ever-changing tax laws You find the best accountants through word-of-mouth Itrsquos really important to keep receipts of all your expenses and to be completely aware of the laws in relation to tax no matter where in the world you are setting up

Good FacilitiesIf yoursquore inviting guests into your home

itrsquos important that it is always clean And it helps if itrsquos attractive and fully-stocked with food Valencia has a great branch of IKEA outside the center for lots of cool cheap items to spruce up an apartment We have bought extra sheets and towels as we went along and now we are making a healthy profit Local printing shops and the tourist board make it easy to supply all the information for tourists Fresh fruit is super cheap here at the local markets so stocking up for breakfast is affordable and easy We buy everything in bulk toilet paper coffee tea cleaning products etc We also have a cleaner who comes once a week to help with ironing the

sheets again very affordable here Airbnb has allowed us to earn an

income from outside Spain through foreign vacationers rather than depending for income on the Spanish market which is still in recession

Our advice to anyone thinking of renting out a room is to put yourself in your guestsrsquo shoes and make every trip fun and personalized We try to give all our guests the best experience and as wersquove lived here for two years we have great knowledge of whatrsquos good to see and do

For our next plan we will be writing about traveling across Europe to visit new places and see some of our guests We hope to get Airbnb on board so we can get sponsored and blog about our experiences We will be doing what the Spanish do by taking off the month of August and having a much-needed vacation

Elizabeth Bate earns around $700 a month from her spare room in Valencia Spain


HOUSESITTING

City Vineyard BampBs Traveling the World Rent Free

By Colleen Mariotti

Yesterday I sat around a hand-hewn farm table made of Tawa wood in Nelson New Zealand I was

surrounded by my husband children and various neighbors as we celebrated a day of moving sheep and turning gardens The air was still and the autumnal sun was graciously warm It was a perfect moment

Since leaving our All-American life in 2013 with three kids in tow we have spent time in 23 countries and counting More than half of our time wandering the globe has been spent housesitting which saves us an average of $2500 a monthhellipapproximately what our home in Seattle with utilities cost us

Our very first assignment was in Basilicata Italy tucked between the southern Apennines and the Mediterranean Sea The neighbor taught our family how to make pancetta on New Yearrsquos Eve Then there was the pizzeria we watched over during the off-season in the Alps while the owner took a much deserved break We often looked after businesses that were closed for the off-season and answered the phone or took queries as part of the arrangement

I remember the apartment in Barcelona Spain that was for sale and felt desperately vacant until we breathed life back into the echoing spaceshellipI remember the vulnerable grapevines in Aix-en-Provence that needed to be tucked in and watched over for any late winter frosthellipI remember the ritual of opening the shutters each morning at the villa we tended over a Tuscan winter The ochre sun as it hit the terra-cotta floors bathed the house in a buttery light

All of these diverse experiences came to us through housesitting

Incredible ValueIf you are considering an overseas move

housesitting is the perfect way to judge whether a culture region or country is a good fit for you When we set off to see the world nearly three years ago we did not want to just travel through places but experience life in other cultures What we didnrsquot know at the time was that housesitting would be the quickest way into an authentic cultural immersion

While renting an apartment or home can

give you more of a sense of place than a hotel housesitting adds even more richness Because you are literally stepping into someonersquos home and community real life starts immediately The work involved in caring for someonersquos home and animals is quickly off-set by the depth of the experience

Housesitting is also a great way to try on different hats Do you fancy running a BampB on the French Riviera or watching over a flock of sheep in Puglia Italy Have you thought of restoring a castle in the Spanish countryside or caring for rescue animals on the Greek islands

There is a housesitting opportunity to fit almost any lifestyle change you may be considering The beauty of housesitting is that it is an exchange You bring the best of yourself and the experience receives you and pays you back in unimaginable ways

Housesitting assignments are as diverse as the people offering their homes Some are free in exchange for property responsibilities such as pets and gardens Some opportunities require payment for utilities Others may pay a small salary for varied tasks such as booking customers in the off-season or making the occasional meal at a BampB

The beauty of housesitting is that the opportunities are available both on and off the beaten path The savings allow us to spend more time in places like the south of France or London that would usually be out of budget for an extended stay for our family Housesitting makes it not just possible but profitable as housing was the largest expense in our life before this journey

Helpful Tips We have learned a few things during our

many assignments that have saved us time and money and taken us to many dream locations

First there are many housesitting sites available with listings around the world We use Trusted HouseSitters Mind My House and House Carers We also use local sites that in many countries are the ldquogo-tordquo resource just for that market like Kiwi House Sitters for New Zealand We discover these sites by asking local real estate agents and property managers when we enter a new country The sites have small membership fees (ranging

from $25 to $100 for the year) that we have found more than worth the money

Second flexibility helps in terms of dates and timeframes The housesitter profile everyone appears to be looking for is a professional single person or couple that has flexibility with travel dates As we are traveling with kids and it is a bit of a harder sell flexibility has been key to our success

Third a responsible online presence helps immensely While many of the housesitting sites have important profile sections most of the assignments we have been offered have come from our blog wwwlivologycom People like to see who we are and it gives credibility to our family travels Many homeowners have told us that our social media presence andor blog have been the reason we were chosen

Although this is true we now find many of our opportunities through word of mouth Last week we were offered two opportunities in Tasmania and one homeowner asked if we could drive his RV across Australia Once a positive reputation has been established you will have more opportunities than you can handle coming your way

Lifelong RelationshipsHousesitting is not a vacation and it

will push you outside of your comfort zone We find the most successful housesits for us are those where both parties treat it like a partnership more than an employeeboss relationship Housesitting works because both parties have ldquoskin in the gamerdquo

There is always a leap of faith involved but the excitement and uncertainty is what keeps it interesting An open mind and a sense of adventure are mission critical Living like a local is easier said than done at times but always worth the risk

From remote locations in the Southern Hemisphere to glittering cities in Europe we are forever changed by this simple opportunity Each place we spend time we leave a part of ourselves

As the sun dropped over the Tasman Sea we walked back to the farm where we are currently housesittinghellipon a journey enriched by the opportunity to ldquowalk in someone elsersquos shoesrdquo


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We teach you how Work from anywhere anytime

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All listings are accepted on a first-come first-served basis International Living reserves the right to disqualify any listings it deems unsuitable International Living does not endorse these organizations or their respective products services and programs In addition International Living shall not be responsible for any and all liability including negligence that may arise from a memberrsquos use of the advertisements ldquoCaveat Emptorrdquo appliesmdashlet the buyer beware

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New Wooden Caribbean Style HomeDesigned amp Built to Canadian Standards

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Income-producing apartment with immediate potential to produce even more income if

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Contact jandmjohnson64gmailcomOFFSHORE LIVING amp INVESTING

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Consultations Only +1-720-293-2272

ECUADOR EXPAT JOURNEYS 10-day tour and orientation to expat life in Ecuador Spanish Culture and Travel infdondeoecuadorexpatjourneyscom

Expedia Quoted $336546 I paid $799 4amp5-Star Resorts $298-$799 per weekWorldwide network Video reveals everything wwwCheap5StarTravelcom

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OPPORTUNITY DIGEST

Start a Pizza Place in Corozal Belize

Corozal is a low key town thatrsquos attracting a growing number of expats due to the low cost of living fantastic weather and friendly locals

But what Corozal is lacking is a simple down-to-earth pizza takeout business

ldquoThe town doesnrsquot offer the variety of food options and restaurants yoursquoll find in the most popular areas of Belize since itrsquos not a tourist destinationrdquo observes IL Belize Correspondent Ann Kuffner ldquoBut every expat town can support at least one or two decent pizza jointsrdquo

The initial startup cost for a small pizza shack is low You could rent a suitable premises for around $500 a month A well-operated business that prices their pizza competitively will attract both expats and Belizean clients Thatrsquos the key to success for this type of business

Right now therersquos only one sit-down restaurant in the town serving pizzahellipand an estimated 800 to 2000 expats live in the Corozal District Some of these expats would appreciate well-priced quality takeout pizza Others might prefer to pick up an unbaked pizza pie that they can take home to bake

The Belizean taste for pizza is also strong Pepperonirsquos Pizza is in the tourist center of San Pedro on Ambergris Caye but the majority of the customers are Belizean Pepperonirsquos operates out of a small simple shack where they make quality pizzas from scratch They sell pizza pies as well as pizza by the slice beers and cold drinks Theyrsquove been wildly successful for more than 15 years

New Rental Market Opens Doors in Costa Rica

A development boom on Costa Ricarsquos southern Pacific coast is creating openings for interior designers pool maintenance companies handymen cleaning services and other businesses that can support the vacation rental business

International Living Roving Latin American Editor Jason Holland scouted the area recently and saw big changes since his last visit

ldquoDevelopment is going at a good pace but the new construction blends in with the scenery of jungle-covered mountains and palm-tree lined beachesrdquo explains Jason ldquoNew homes are going up in and around the popular expat destinations of Dominical Uvita and Ojochal And there is something new condos which were available previously in very limited numbersrdquo

Much of this new construction is destined to become vacation rentals The owners hope to see a return on investment by renting their place by the week to the growing numbers of visitors who flock to the surf sand and jungle of the Southern Zone (that you also get to enjoy when you live there)

And therein lies the opportunity There are service providers helping manage and prep these vacation rentals for guests But with all the new units coming online therersquos room for ongoing support services

Start-up costs would be low and you could work with current property managers to offer your services With low local wages you would hire a crew to do any actual physical work leaving you free to manage the business and network with new clients Get to know the area make the right contacts among owners and you could become a property manager yourself at some point

Rent Your Own BampB in Battambang Cambodia

Although Battambang is the second largest city in Cambodia it feels like a small town Itrsquos a friendly quiet place that attracts people who enjoy a slow and relaxed lifestyle Nearby Angkor-era ruins a seasonally navigable river that flows into Tonle Sap Lake near Siem Reap and the unique bamboo train (a tiny flatbed rail car run on a motorcycle engine on existing tracks) attract visitors to the area year-round

ldquoBattambang would be a good location for a mid-range BampBmdasha market that is currently underserved in this cityrdquo says IL Correspondent Wendy Justice who visited the town recently ldquoThere is a luxurious boutique BampB in town run by two expats from the US and Australia and a popular hostel owned by a UK couple But I saw very little on offer in the mid-range price categoryrdquo

You can rent a home or villa that could be converted into a BampB for bargain prices starting at just $250 per month However finding places is a word-of-mouth exercise as there are no real estate agents Check out the expat sites Battembang Community or Move to Cambodia

Ecuadorrsquos Goverment Wants English Speakers

Ecuador a country much loved by expats for its climate environment and affordable living is hoping to improve the standard of English in its public schools The government is looking for English speakers to teach on short-term contracts of 10 months with a three-year limit on your stay

This is a great way to try out living abroad with an income before you decide to move for good

The project is called It Is Time to Teach English in Ecuador and classes start in May and September All parts of the country are covered

ldquoEcuador has a lot to offer in a small packagerdquo says Suzan Haskins IL Editor in Cotacachi ldquoFrom the majestic mountains of the Andes where most of the population lives in colonial-influenced but very modern cities to undeveloped Pacific Coast beaches and the glorious Amazonmdasha place few get to seehellipbut you will if you live and work in Ecuadorrdquo

Anyone who likes to write can learn the same skill that lets some people earn a very comfortable six-figure income from home year after year No bosses no commute

Itrsquos a skill thatmdashonce you have itmdashwill put your financial destiny squarely in your own hands for as long as you choose to use it

Yoursquoll be in constant demandYoursquoll never be wanting for work or money no matter what state the economy is inYou just decide how much you need and figure out how many letters you need to writeItrsquos like having a little wealth dial you can turn as high as you wantItrsquos something yoursquoll be proud to mention to your friends and people you meet (Believe

me people will be very intrigued when you tell them what you do Theyrsquoll want to know all about it)

But more than anything else itrsquos an opportunity to ldquoreinventrdquo yourselfhellip and learn a financially valuable skill that will quickly lift you above any economic frayhellip forever

Use it to turn a hobby or personal passion into a fun and lucrative career Use it to help find a cure for cancer or help those in distress Use it to start your own business (for practically nothing)mdashor work in a field yoursquove always dreamed of

Along the way yoursquoll learn much about yourself about business and about the world around you

You donrsquot even need to be a ldquowriterrdquo to be successfulhellip All you need to enjoy this success is a computerhellip a deskhellip and AWAIrsquos Accelerated Program for Six Figure Copywriting to show you the way

Learn the Same Secrets That Have Sold Billions

For more information visit wwwthewriterslifecomacceleratedcopywriting


BARBARA WINTER

Learn From Entrepreneurs Living Their Dream


May 2016 Volume 4 bull Number 3

InternationalLivingcom

copy Copyright 2016 by International Living Publishing Ltd All Rights Reserved Reproduction copying or redistribution (electronic or otherwise including online) is strictly prohibited without the express written permission of the Publisher Incomes Abroad is published monthly Copies of this e-newsletter are furnished directly by subscription only Annual subscription is $59 To place an order or make an inquiry see wwwinternationallivingcomabout-ilcustomer-service Send address changes to International Livingrsquos Incomes Abroad International Living Publishing Ltd Elysium House Ballytruckle Waterford Ireland For editorial inquiries see wwwinternationallivingcomabout-ilwrite-for-il Incomes Abroad presents information and research believed to be reliable but its accuracy cannot be guaranteed There may be dangers associated with international travel and investment and readers should investigate any opportunity fully before committing to it

Publisher Jackie FlynnEditorial Director Eoin BassettManaging Editor Cleo MurphyCopy Editor Jason HollandGraphic Designer Ian FlemingPhoto Editor Hugo GhiaraAdvertising Helen Daly Fax (353)51-304561 Email advertisinginternationallivingcom

IncomesAbroad

Our editor-at-large Barbara Winter is the author of Making a Living Without a Job (now in print for more than 20 years) Seminar in a Sentence and Jumpstart Your Entrepreneurial Spirit She shares her ideas about self-employment through seminars and retreats throughout North America and Europe She has traveled extensively and lived in six states She currently makes her home in Valencia California

by those farther down the entrepreneurial path Enthusiastic owners can teach you a lot about what it takes to run a successful business Once you start paying attention yoursquoll discover these teachers can be found in all sorts of environments You can learn a lot just by watching them in action

Several years ago when I was visiting my daughter she suggested we have lunch at The Milky Way This tiny restaurant was lovingly run by Leah Adler an 85-year-old little pixie who just happens to have given birth to Steven Spielberg Her utter joy in making her customers happy was obvious as she flitted from table to table chatting with every diner She seemed to be having such a good time that I thought being a restaurateur must be a new occupation for her She had that honeymoon glow When she came to our table to inquire about our meal I asked her if she was at the restaurant every day

ldquoOh yesrdquo she said ldquoI leave home at 830 am every morning and Irsquom here until closing Irsquove been doing this for over 30 years and therersquos no place Irsquod rather be I get to plan dishes with the cooks flirt with old men and drink wine What could be better than thatrdquo

She has no plans to retire I donrsquot recall what I ate that day but meeting Leah was one of the most memorable dining experiences Irsquove ever had

Pay attention when you stumble upon someone running their own business Even better is to make it a regular practice to seek out these dreamers and doers in their own natural habitats Take regular field trips to places where small businesses cluster You can also observe entrepreneurs working at flea markets art fairs farmersrsquo markets and community festivals Be conscious of

behaviors that you find magneticmdashand those which you donrsquot

If itrsquos appropriate engage them in conversation Ask them probing questions How long have you had this business Why did you start this particular enterprise What did you do before you started this Were your parents entrepreneurial What do you like best about working for yourself Whatrsquos your least favorite part of it What mistakes did you make How do you find customers How do you keep the customers coming back

You get the idea You might also begin by briefly sharing your plans so it doesnrsquot appear that yoursquore interrogating them so you can duplicate what theyrsquore doing In fact it matters not at all that your business is nothing like the one this person is running Yoursquore looking for philosophy entrepreneurial thinking and attitudes about serving your customers

On one such field trip I walked into a lovely gardening store I was greeted by the owner Julia Metcalf After I had browsed and admired the visual feast which was the shop I asked her how long shersquod had the business I was surprised when she said it was just three months old since it had the settled look of a seasoned enterprise

ldquoWhy did you start this businessrdquo I asked

Julia said shersquod always loved gardening and had five gardens of her own One night she had a dream and when she woke up knew that she was being told to use her creativity in a bigger way

Without any certainty about how it would come together she decided to open a shop to share her love of gardening After she quit her job as a guidance counselor things began to move quickly to make her vision a

reality ldquoIt hasnrsquot always been easyrdquo she said ldquobut Irsquom the happiest Irsquove ever been Irsquom amazed at how quickly itrsquos grownrdquo

I left the shop feeling as if Irsquod taken a shower in pure positive energy

If becoming self-employed is part of your journey look for the most enthusiastic and joyful entrepreneurs you can find and see what they have to teach you Just look at how Steve Mueller found entrepreneurial inspiration from the Vietnamese and their can-do attitude He set up a scooter rental business there and you can read all about it in this monthrsquos cover story

Finding the people who can help you learn what you need to know so you can move forward is not to be taken lightly The experience of others can save us time add deeper insights and keep us from making costly mistakes So read on for some great expat business experiences in the rest of this issue

At any rate Irsquom planning to keep Leah Adler as my role model and Irsquom already flirting with more old menmdashjust to make sure I remember what she taught me


PORTABLE INCOMES


By Patrick Murtha





















































































copyD

ream

stim

eco

mP

atric

ia K

ullb

erg


COVER STORY




























COVER STORY




























COVER STORY
































COVER STORY































COVER STORY
















CHANGE YOUR LIFE


By Valerie Young































TRAVEL SOLUTIONS


By Jennifer A Huber




































SET-UP SOLUTIONS


By Elizabeth Bate























HOUSESITTING


By Colleen Mariotti
































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST



































PORTABLE INCOMES


By Patrick Murtha





















































































copyD

ream

stim

eco

mP

atric

ia K

ullb

erg


COVER STORY




























COVER STORY




























COVER STORY
































COVER STORY































COVER STORY
















CHANGE YOUR LIFE


By Valerie Young































TRAVEL SOLUTIONS


By Jennifer A Huber




































SET-UP SOLUTIONS


By Elizabeth Bate























HOUSESITTING


By Colleen Mariotti
































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST



























































































copyD

ream

stim

eco

mP

atric

ia K

ullb

erg


COVER STORY




























COVER STORY




























COVER STORY
































COVER STORY































COVER STORY
















CHANGE YOUR LIFE


By Valerie Young































TRAVEL SOLUTIONS


By Jennifer A Huber




































SET-UP SOLUTIONS


By Elizabeth Bate























HOUSESITTING


By Colleen Mariotti
































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST



































COVER STORY




























COVER STORY




























COVER STORY
































COVER STORY































COVER STORY
















CHANGE YOUR LIFE


By Valerie Young































TRAVEL SOLUTIONS


By Jennifer A Huber




































SET-UP SOLUTIONS


By Elizabeth Bate























HOUSESITTING


By Colleen Mariotti
































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST



































COVER STORY




























COVER STORY
































COVER STORY































COVER STORY
















CHANGE YOUR LIFE


By Valerie Young































TRAVEL SOLUTIONS


By Jennifer A Huber




































SET-UP SOLUTIONS


By Elizabeth Bate























HOUSESITTING


By Colleen Mariotti
































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST



































COVER STORY
































COVER STORY































COVER STORY
















CHANGE YOUR LIFE


By Valerie Young































TRAVEL SOLUTIONS


By Jennifer A Huber




































SET-UP SOLUTIONS


By Elizabeth Bate























HOUSESITTING


By Colleen Mariotti
































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST



































COVER STORY































COVER STORY
















CHANGE YOUR LIFE


By Valerie Young































TRAVEL SOLUTIONS


By Jennifer A Huber




































SET-UP SOLUTIONS


By Elizabeth Bate























HOUSESITTING


By Colleen Mariotti
































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST



































COVER STORY
















CHANGE YOUR LIFE


By Valerie Young































TRAVEL SOLUTIONS


By Jennifer A Huber




































SET-UP SOLUTIONS


By Elizabeth Bate























HOUSESITTING


By Colleen Mariotti
































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST



































CHANGE YOUR LIFE


By Valerie Young































TRAVEL SOLUTIONS


By Jennifer A Huber




































SET-UP SOLUTIONS


By Elizabeth Bate























HOUSESITTING


By Colleen Mariotti
































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST



































TRAVEL SOLUTIONS


By Jennifer A Huber




































SET-UP SOLUTIONS


By Elizabeth Bate























HOUSESITTING


By Colleen Mariotti
































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST



































SET-UP SOLUTIONS


By Elizabeth Bate























HOUSESITTING


By Colleen Mariotti
































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST



































HOUSESITTING


By Colleen Mariotti
































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST







































































or call 954-344-8060888-582-2150










de-Courtomer-137643623086006











OPPORTUNITY DIGEST



































OPPORTUNITY DIGEST


































may 2016 living’s incomes y abroad - amazon s3 · international living’s incomes abroad may 3...

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