Personal blog on early retirement, selling tradelines, and analytics projects. I write about what I learn as I am learning it.
Estonia is a small Baltic country of 1.3 million people that has somehow become one of the most digitally advanced societies on earth — e-voting, digital prescriptions, online tax filing in under five minutes, and a government commitment to putting services online that most larger countries have only talked about. When they launched a digital nomad visa, it made sense. The country was already wired for this kind of thing in a way that most places aren’t.
Costa Rica keeps coming up in conversations about digital nomad visas, and it’s not hard to see why. The country launched its remote work program in a clean, accessible package — a defined income threshold, a single-entry point for applications, and a one-year permit that’s renewable. It’s not the cheapest option in Latin America, and it’s certainly not Europe, but it occupies an interesting middle ground that a lot of remote workers find genuinely appealing.
Of all the factors that go into a credit score, credit utilization rate is the one I find most buyers fixating on — and for good reason. It’s also one of the few you can actually change in a matter of weeks rather than years. For the dollar-amount version of the question, I wrote up how much credit card debt is too much.
Continue reading “What Is Credit Utilization Rate? (And Why It Matters)”
People ask me how to purchase a tradeline like it’s a complicated process. It isn’t, really — but the part most buyers get wrong isn’t the how, it’s the what. What you’re buying matters a lot more than where you buy it.
Continue reading “Purchase a Tradeline: What You’re Actually Buying”
As I was planning (daydreaming) about my always-postponed digital nomad life I watched, on a plane, of all places, the movie “Nomadland”. The movie is not really about a digital nomad but a “regular” nomad. It won the Oscar(!?) and it is an interesting movie. But it made me think again about life on the road and the movies that portray it. My two favorites by far are “Into the wild” (I also have the book but never read it) and “The motorcycle diaries”.
