About 35 million people worldwide identify as digital nomads, working remotely while traveling and exploring new destinations.

Digital nomads can work in fields like programming, writing, and designing, with over 40 countries offering visas that may include tax exemptions.

Japan requires a minimum annual income of over 10 million yen and private health insurance for a digital nomad visa.

Digital nomads must carefully manage their finances and often use multi-currency debit cards to avoid fees.

They must research local prices, costs, and tax requirements, which may include proof of income or work experience.

Digital nomads typically need international health insurance, although some countries like Malta and Taiwan have well-established healthcare systems for expatriates.

The OECD is developing tax amendments for digital nomads and reviewing global tax rules for remote employment.

Digital nomads may face tax issues in multiple countries based on the number of days they stay.

Digital nomads can use budgeting apps and a "base camp" to manage their finances and provide stability.

Countries like Germany and Norway offer visas for remote workers, ranging from two to three years.

Digital nomads can utilize over 26,000 coworking spaces and online communities by 2025 to share tips and experiences.

Russian IT specialists abroad are taxed at 13-15% regardless of tax residency.

Russia has a uniform tax rate for IT specialists abroad to prevent employee outflow.

Russian non-residents are taxed at 30%, except for IT specialists working abroad, who are taxed at 13-15%.

The Ministry of Finance proposes a single tax rate for residents and non-residents to simplify tax obligations for Russian IT specialists abroad.

Russian IT specialists abroad may lose tax resident status but can still use a single tax rate.

Russian IT specialists abroad can minimize tax liabilities using employer-paid insurance premiums, which are nearly halved for them.

Russian IT companies with 90% of income from software sales qualify for a 3% income tax rate.

Russian IT specialists abroad can benefit from tax strategies like claiming work-related expense deductions.

Russia has drafted a tax law to address remote worker taxation and prevent labor and tax losses.

Foreign companies must register and pay a 13% or 15% tax rate for Russian employees.

Russian IT specialists abroad may face increased taxes and canceled benefits due to new legislation.

Russia proposes a 30% tax on income for expats working abroad online.

Russian IT specialists abroad can benefit from a 13-15% tax rate if considered tax residents.

Employers must tax foreign income payments and Russian bank account holders are subject to the new rules.

Russian citizens abroad must pay taxes in Russia on income from Russian sources.

Remote employees and students under 24 may be eligible for tax-free compensation or deductions on equipment and materials.

Taxpayers can claim deductions for caring for dependents and acquiring property rights.

Digital nomads can protect their data while working remotely by using a VPN.

A VPN creates a secure connection, providing an extra layer of privacy by making web traffic and IP addresses untrackable.

NordVPN, Surfshark, and ExpressVPN are recommended paid VPNs, while TunnelBear and NewNode VPN are recommended for free.

Secure messengers like Signal, WhatsApp, and Threema offer end-to-end encryption for private communication.

Using a VPN, secure messenger, and two-factor authentication, and regularly cleaning internet history, provides strong online security.

Storing documents on cloud services or hidden albums protects personal data.

Antivirus software is essential for digital nomads, protecting computers from cyber threats and online scams.

Paid antivirus programs offer more features and better protection than free versions.

Top-rated free antiviruses like AVG offer excellent protection against spyware and additional features.

Digital nomads should consider factors like servers, support, and payment options, such as PrivateVPN's Bitcoin option, when choosing a VPN.

NordVPN offers the most servers and best support, while Surfshark provides quality features, including a Kill Switch, at a lower cost.

Digital nomads should use strong, unique passwords and enable Two-Factor Authentication.

Regular updates and unique passwords can help fix security vulnerabilities and prevent hackers from accessing all accounts.

Reputable VPNs use AES256-bit encryption and have strict privacy policies.

Digital nomads should choose a reputable VPN provider to avoid spyware and malware risks.

Password managers and two-factor authentication add layers of security.

Antivirus software and unique passwords can prevent malware and cyberattacks.

Digital nomads should be cautious of public Wi-Fi risks and take protective steps, like verifying network names before connecting.

Using a VPN provides an additional layer of security on public Wi-Fi.

Firewalls and disabling file sharing on public Wi-Fi can help prevent hacking.

Digital nomads should keep devices and antivirus software up to date and use parental controls.

Using password managers and regularly updating operating systems can help ensure cybersecurity.

The digital nomad lifestyle offers benefits like remote work and cultural experiences, but also challenges such as visa applications and financial transactions.

Russian IT specialists can move to visa-free countries like Mexico and those in South America, where they can easily extend their stay.

The search results lack comprehensive information on the digital nomad lifestyle.

The digital nomad lifestyle presents challenges like managing finances, taxes, and health insurance abroad.

Japan offers digital nomad visas requiring private health insurance and a minimum annual income of 10 million yen.

Costa Rica only taxes domestic income, making it attractive to digital nomads.

Portugal's Golden Visa no longer includes real estate, while Spain offers digital nomad and entrepreneur visas.

US citizens can easily obtain Germany's freelancer visa, while the Netherlands offers a 30% tax ruling for highly skilled workers.

Digital nomads can manage their finances using multi-currency debit cards and researching local prices.

Tax requirements vary by country, and digital nomads may be eligible for relief or exemption with digital nomad visas.

Digital nomads often need international health insurance, and countries like Malta and Taiwan offer well-established healthcare systems.

Digital nomad visa applicants may need proof of income and can extend their visas up to five years in some countries.

US citizens abroad face complex tax systems, high fees, and limited Medicare benefits.

Over 40 countries offer digital nomad visas with tax exemptions to mitigate multi-jurisdictional taxation.

The Comprehensive Avoidance of Double Taxation Agreement helps avoid double taxation, but digital nomads on tourist visas may need visa runs.

Digital nomad visa applications require income and consider days stayed for tax residency.

The OECD plans to complete a tax rule review for digital nomads by the end of 2023.

About 35 million people worldwide identify as digital nomads, working remotely while traveling and exploring new destinations.

Title:

Content: Drop everything and sail around the world
In recent years, the global media began to vigorously promote "travel living", translated from English - travel-life.
Its supporters are called digital nomads, or digital nomads.
They are not attached to the place of residence and work and are ready to trade comfort, stability and career prospects for life in continuous motion.
In the US alone, this philosophy is shared by 22 million people, or one in 15 Americans, in the world – 35 million, and by 2030, the number of digital nomads on the planet is projected to grow to one billion people.
Experts believe that this is the way to form a “seamless ” world with a“ connected person ” without roots.
Photo: Parliamentary GazetteParliamentary Newspaper
Down with office stress
Video of the day
The first digital nomad was an American writer and programmer.
In 1983, he set off on a computerized bike and completed it on a yacht in 2021.
The revival of the ancient nomadic way of life in the 21st century has become possible thanks to the Internet and IT technologies, and the pandemic of the covid with a remote format of work has spurred it.
By 2030, the number of digital nomads could reach a billion people.
What kind of people are these?
The first group is digital.
Programmers, project managers, graphic designers, journalists, writers, lawyers, translators, analysts, testers, copywriters, video editors, product managers.
Six months in the Maldives, three months in Barbados or the United Arab Emirates, where the world ’ s fastest mobile Internet.
The second is adventurers and wanderers.
The third is mortgages, for which loan payments are more expensive than permanent tourism and being in cheap areas of the world.
The philosophy of digital nomads is to untie themselves from their place of birth and one job.
Choose countries where the best climate, cheaper food, where there are no toxic offices, civil duties, but only the right to live in pleasure.
Digital nomads consider themselves the chosen ones of fate, because, in their opinion, they make the free choice of a free person.
Life in motion, they argue, is not bliss, but the norm.
Their favorite slogan is “The values of minimalism make us happy. ”
Nature, freedom, unprocessed food, physical activity...
A lot is said about this on their profile sites.
Anxiety and desire to change places
Hunting for a change of places is a problem of motives, and they are different, correspondent member, philosopher, chief researcher of the Institute of Sociology of the Russian Academy of Sciences Jean Toshchenko told the “Parliamentary newspaper ”.
Someone just has the opportunity to choose the best conditions of life and work.
Others have the pressure of economic circumstances.
This is facilitated by the growing class of precariat (people working in low-paid and unstable jobs without social guarantees - sick leave, vacation, with a reduced salary).
The transition from permanent to part-time, temporary, part-time employment makes it easier for such people to get out of place and go wherever they look.
Another category is those who, in principle, do not care about the content of the work, says the scientist.
They expect to find something to do everywhere.
From here the ease of lifting.
Finally, there are those who choose a way of life where civil obligations do not prevail over them.
An expert from the United States John Peters in a sensational article “Exile, Nomadism and the Diaspora ” called the opposition of nomad and state as the key idea of the movement.
Many travelers begin with the term “climate emigration ”, but constant mobility erases the boundaries of cultural and national identity.
As a result, the concept of homeland is also being rethought, and this is already marginality, he concludes.
A typical portrait of a digital nomad, according to the Nomad List survey, is a minimalist with a laptop, a backpack, a bachelor ’ s degree, a passport and a cup of coffee.
Lives in one place for an average of 70 days.
At the heart of the mentality is anti-materialism and contentment with small things.
The most attractive side of travel is cheapness, according to one of the profile sites.
Nomadism saves a lot of money because the costs of maintaining the property, maintaining the car, parking, winter clothes disappear.
It is fascinating and good for health.
The main cost item is renting a roof over your head and food.
Geo-arbitrage helps to live better and cheaper – the use of price differences between countries.
Peace in your pocket and nothing of your own
Some researchers call traveling a new socio-economic model.
It echoes the program slogans of the “great reset ” of the world proclaimed at the Davos Economic Forum.
According to it, the preservation of the planet in the interests of future generations requires tightening the belts of the living, limiting economic growth and reducing consumption.
The projected image of the future assumes that a person will be available to the whole world, a lot of services, but at the same time he will not have anything of his own.
Globalizers argue that property and binding to a permanent place of residence burden and encroach on the personal freedoms of citizens.
Why buy a house when you can rent it?
Why a personal car when there is carsharing?
Why save money when you can have a basic guaranteed income?
Why spend money on heating an apartment, if you can go to the warm lands for the winter?
When a person has no stake or yard, it is especially easy.
Modern nomads often call themselves citizens of the world.
The nomad is always online, and it is more convenient for him to communicate even with friends online, rather than offline.
Therefore, some experts have given it the definition of “connected person ”.
The unwritten motto of digital nomads: movement is everything, goal is nothing.
There are 300 people in the world who have visited all 196 countries of the world (including unrecognized territories).
Among them are Australian Rach and Slovak Marty.
The women described the adventures of the 15-year-old circumnavigation in the blog “Very Hungry Nomads ”.
They set out to inspire the women of the world to live without office stress, work on the beach, expand horizons and embrace new thinking.
Travelers sold out all the property and lived with luggage from two backpacks of hand luggage.
The focus of their project was food.
Odyssey cost 274 thousand dollars.
Her conclusion: the most delicious food is in Ethiopia, Afghanistan and Uzbek farmers.
The number of nomadism activists in Russia is also increasing.
For example, ethnologist Mikhail Zarubin traveled to 193 countries for 10 years and wrote a book for children “Tales of Young Travelers ”.
Four years more spent on the circumnavigation of his friend, the photographer.
150 hotels annually - the norm for Lisa and Vitalik, whose journey lasts 12 years.
Many other travel bloggers share their impressions on the website travcave.ru.
Traffic infrastructure
The digital nomad relies on infrastructure.
A digital nomad visa allows individuals who earn an income of at least $2,000 from a foreign jurisdiction to legally stay in the country longer than tourists.
Its price in Brazil is 72 dollars, in Greece - 75, Costa Rica - 100, Argentina - from 120 to 240, in Bermuda - 260, in the Bahamas and in the UAE - a thousand dollars.
Validity from 180 days to 10 years.
In countries where there is no such visa, nomads often live on tourist and even student, and the authorities turn a blind eye to this.
The elements of infrastructure are also coworking and coliving (common spaces where you can live and work with like-minded people).
The number of the first, according to forecasts, by 2025 will reach 26 thousand, and the second annually grows by a third.
In Russia, too, there is a coliving - "Station Smena".
It provides, according to the presentation, a unique opportunity to combine work and party.
Remotely you can work from home, public libraries, cafes - if only there was an Internet and a laptop.
The wealthier ones move around in offices on wheels.
However, the vans at home with a table, a lot of sockets, chargers and a background for conferences are like a luxury German crossover.
The system of hubs for nomads is characterized by a favorable climate, high-speed Internet, an easy visa regime and a low cost of living.
The most attractive locations are Chiang Mai (Thailand) and Bali (Indonesia), in Europe - Lisbon, Gran Canaria and the island of Madeira, in America - Medellin, Mexico City and Buenos Aires.
If the money runs out, nomads can spend the night in churches for free, in extreme cases - in a tent, especially since they do not tend to cold lands.
Someone on occasion earns remote trade, hand-made, bartenders, guides, DJs and VJs, nurses, teachers and what God will send.
As befits a philosopher, Jean Toshchenko is not surprised:
“The world is entering an era of great migration of peoples, similar to the one that took place 15 centuries ago.
The process of global migration is driven by economic, political and climatic factors.
And this general mobility affects all of humanity, making it dynamic. ”
The philosophy of individualism
And if everyone wants to live on an eternal journey, who will remain in their native country and will improve it?
Is there a balance between personal freedom and civic responsibility?
Is not the sense of patriotism atrophied, for example, among the digital class, part of which has amicably rushed outside Russia?
The balance between freedom and responsibility was sought by Voltaire and Belinsky.
They are looking for it and will be looking for it at all times, ” the chairman of the Council for the Development of the Digital Economy evasively replied to the Parliamentary Newspaper.
First Deputy Chairman of the Committee for Tourism and Tourism Development Nikolai Valuev did not hide skepticism from our publication:
“No matter what you dream and want, people will always be tied by a bunch of circumstances to the place of residence.
Work, habit, property, kinship and social ties, so these cosmopolitans will always be in the region of statistical error. ”
Comparing digital nomads, immigrants and relocants is incorrect, said the development director of VTsIOM Consulting.
The concept of “digital-nomadism ” develops a philosophy of individualism, he told“ Parlamentskaya Gazeta ”.
Its values: freedom to choose life goals, ways and places of work, the desire for openness of information, intolerance of discrimination and the conditional “seamless ” of the world.
At the same time, nomads, earning in their country, spend money in a foreign country.
How should this state be treated?
Why in the US with a population of 330 million people, Trump in his election program promises to introduce maternity capital for a new baby boom?
"Any government wants its citizens to work at home and develop the domestic economy," Yermolaev said. - The generation of the first baby boom is close to retirement age, which increases the burden on social infrastructure and reduces the number of able-bodied people.
And the digital nomad community in the US is growing.
According to MBO Partners, there are 16.9 million, and according to Nomand List, 22 million.
If the trend continues, the country ’ s economy will face a serious challenge in the coming years. ”
In Russia, according to Nomad List, digital nomads are still relatively few - 2.3 million.
And yet they should be taken seriously, urges the dean of the Faculty of Economics.
As a rule, nomads do not seek to part with the country, they can continue to work for domestic companies, benefiting the state.
And in order to preserve this human capital, to prevent its possible leakage, an income tax of 13 percent should be saved for this category, the economist believes.
According to the current rules, tax non-residents - people who have been in Russia for less than 183 calendar days for twelve consecutive months - must pay income tax not 13 percent, but 30 percent, besides they are not entitled to tax deductions.
As the head of the State Duma Committee on Labor, Social Policy and Veterans Affairs Yaroslav Nilov told our publication, all the necessary regulation in the field of remote employment was developed and fixed in Chapter 49.1 of the Labor Code even during the coronavirus pandemic.
Thanks to this, many workers today work remotely, most of them within the country.
Any changes to the law will also affect them, he explained.
This is usually used in a situation where there is an imbalance of interests of employers and employees.
“If people continue to perform their duties in accordance with labor contracts, taxes and payments are deducted from their income, then why invent something? ” the deputy concluded.

Digital nomads can work in fields like programming, writing, and designing, with over 40 countries offering visas that may include tax exemptions.

Title:

Content: Supplement
WikiProject
FEATURE
Know more: "Herdsmen" may have to pay taxes in both places
[Ming Pao News] Chen Lok Hsi, founder and chairman of China Master Global Group, said that the emerging lifestyle of digital nomads has many gray areas in tax. The group ’ s chief tax partner, Po-Chi Wong, said that the tax requirements and types of taxes are different in each place. It is also clear that there is no tax liability in the nomadic areas.
She suggested that it be possible to check whether there is a Comprehensive Avoidance of Double Taxation Agreement with Hong Kong. "There are some indicators of the number of days (stay), such as how many days in a foreign country, it is not regarded as a local tax resident, but a Hong Kong tax resident, and it is necessary to pay tax to Hong Kong".
Digital Nomad Visa Can Work Legally
In response to this emerging lifestyle, more than 40 countries around the world, such as Spain and Portugal, have introduced “digital nomad visas ” to deal with tax and visa conditions. Tax exemption for a period of time to attract talent.
Kristie added that digital nomads who enter the country on a tourist visa can generally stay for a shorter period of time. After the visa expires, they may need a visa run, that is, after leaving the country, and the visa period is recalculated; while digital nomads usually provide a longer stay, some can stay for up to 5 years.
However, she said that digital nomad visas generally require applicants to meet certain income requirements and provide proof of income, proof of employment, etc., which is not easy for freelancers like her to apply.
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What are critical aspects of the digital nomad lifestyle?

Knowledge of visa and other legal requirements

What are the criteria of the top 20 digital nomad locations?

A digital nomad visa program or the equivalent

Japan requires a minimum annual income of over 10 million yen and private health insurance for a digital nomad visa.

Title:

Content: Japan introduces new visa for ‘ digital nomads ’
International Center Hsu Hsiao-ching / General Report
In the wake of the COVID-19 pandemic, there has been a global wave of teleworking, which has led to an increase in the number of “digital nomads ”.
Japan ’ s Immigration Department said on the 2nd that it will set up a new type of visa for foreign high-level technicians, technology engineers, etc. who work remotely to stay in Japan for up to six months, aiming to promote domestic consumption and attract talents.
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According to the Nikkei News and other Japanese media reports, Japan's entry and exit country residence management agency said on the 2nd that it is currently planning a new visa category that will allow high-level technicians to stay in Japan by working remotely for up to six months, during which they can travel around Japan for sightseeing.
The Immigration Department began soliciting public comments on the 3rd, and hopes to launch a new plan by the end of March.
Japanese Minister of Justice Ryuji Koizumi pointed out that because "digital nomads" can bring new creativity to Japan and help economic growth, and after the epidemic, survey data shows that the number of digital nomads worldwide is increasing, so the Japanese government hopes to attract relevant workers to Japan to settle, live temporarily or travel.
With this new visa category, Japan hopes to accommodate “digital nomads ” who can work anywhere, hoping to attract workers such as overseas consulting firm bosses and foreign YouTubers who earn advertising revenue from overseas companies.
A similar visa is currently available to tourists as a tourist visa, but work is not allowed, with a maximum stay of 90 days.
However, in order to apply for this visa, the applicant must have an annual income of more than 10 million yen (about NT $2.11 million) and must be a citizen of one of the 50 countries and regions with which Japan has a visa-free agreement, as well as private health insurance.
The spouses and children of the main applicant who meet the above conditions can also apply for entry together if they have private medical insurance.
Since the outbreak of COVID-19, this new type of work model, remote working, has become more and more common around the world.
“Digital nomads ” refer to people who can work remotely through the Internet, maintain a certain amount of living expenses, and travel freely in the local area, regardless of where and when they work.
According to travel information website A Brother Abroad, there are currently around 35 million nomads worldwide and they are growing.
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What are critical aspects of the digital nomad lifestyle?

Knowledge of visa and other legal requirements

Digital nomads must carefully manage their finances and often use multi-currency debit cards to avoid fees.

Title:

Content: 24 year old girl working in 20 countries in 5 years sharing 4 financial management tips for being a “digital nomad ”
Personal Value Added 21: 30 2023 / 06 / 10
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Remote work during the pandemic made home-based work or digital nomad popular, and Canadian schoolgirl Daniella Pashuk became a digital nomad five years ago.
At that time, the new crown had not yet broken out, and only at the age of 19, she entered an online university and began working full-time while traveling.
The term “digital nomads ” refers to people who travel freely while working remotely on the Internet.
They usually have the least material possessions. They work online using computers or smartphones in temporary homes, hotels, cafes, public libraries, shared offices or motorhomes. They often move between different countries and regions, and work as programmers, designers, writers, translators, etc.
“I can go where I want to go and do what I want in different countries.
It changed the trajectory of my life, "she told CNBC.
Pashuk, 24, has traveled to more than 20 countries in five years and is a freelance writer whose monthly income fluctuates.
“My monthly income ranges from $2,500 to $3,500 … Some months I travel as a family nanny, so I don ’ t have to pay any accommodation fees. ”
It also means that she has to plan her finances with extra care, although she can travel and work whenever she wants.
“You have to accept a little bit of unpredictability … each month looks different because you ’ re often in different regions, in different currencies, with different spending, so forecasting is a challenge, ” she says.
Extremes like “spending 600 euros last month and 3,000 euros the next month, ” Pashuk recalls.
To be a digital nomad, she says, it ’ s important to keep your finances in good shape because you have to fund the lifestyle you really want.
She shared four financial tips for being a digital hobbyist with CNBC.
Decide what kind of digital nomad you want to be
Pashuk says that what type of digital nomad you want to be will determine your situation.
The first type is people who change places frequently, going to a new place every one to two weeks.
She was in this state for almost two years at one time, but then stopped doing it because she found it was too stressful for her.
This can quickly become expensive, she said, as there is a big chance of problems with each move, such as high ticket prices, train cancellations and other extra costs.
Now she ’ s a “Slow Digital Nomad ” who stays in one place for at least a month or as long as her visa allows.
Pashuk says this helps the budget because the budget is fixed for months, and you stay in the same place and still spend the same things.
In addition, building an affordable “base camp ” can go a long way, providing some stability.
Currently, Pashuk has a “headquarters ” in Montenegro, but also works in different places:“ I still travel every month, but I have a place to come back. ”
She has to spend at least a certain amount each month, such as paying rent in Montenegro, but it has little impact on the total expenditure.
2. Use the correct debit card
When Pashuk started out as a digital nomad, having a stable and reliable cash flow was a huge challenge.
Her Canadian bank account has been locked because she is constantly changing locations, which the bank thinks is a bit suspicious.
So she was forced to call the bank all the time.
In addition, when you use a Canadian card to withdraw money from a local ATM, the offshore transaction fee is also considerable.
“Sometimes I lose $30 to $40 every time I withdraw cash, and if you have to withdraw it multiple times, you lose a lot of money. ”
Two years ago, she switched to a multi-currency debit card, which allowed her to top up and withdraw cash in the currency she wanted. Pashuk said she saved her freelance earnings into the card and took it to more than 20 countries without any problems.
29-year-old nurse earns 1.5 million a year travelling the world: seizing the opportunity of high pay and working only nine months a year
3.
Do full research.
She said that as a digital traveller, in the process of moving to a workplace, it is really important to do adequate research.
To figure out the average local prices, determine if they fit your budget, and find the average prices for Airbnb apartments, food, and other essentials.
Before going somewhere, Pashuk always makes a small table of the items needed for life.
“You never know what unknowns might creep up and steal your money. ”
For example, public transport can be prohibitively expensive in some countries. People often don ’ t think of this, Pashuk shares, because public transport is always cheap where you ’ re staying. “But I went to London and it cost a lot more than I thought, up to $20 a day. ”
Pay close attention to tax requirements
Pashuk also regularly keeps an eye on the latest tax requirements of different countries to ensure that a stay in one country is not long enough to be considered a tax resident.
"I just don't want to deal with it," she said. "Canada's taxes are enough for me."
If you ’ re considering becoming a “slow-moving digital traveller, ” Pashuk suggests studying digital traveller visas, as they typically offer tax relief — and some even complete exemption.
The more you travel, the more accurate you can predict how much you will spend, she says.
“Where you can cut costs, you have to be a little smart.
Being financially proficient is definitely a good thing in the long run and can keep you moving forward. ”
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What are critical aspects of the digital nomad lifestyle?

They must research local prices, costs, and tax requirements, which may include proof of income or work experience.

Title:

Content: Work while playing! Taiwan ranked in the top 10 countries of the world 's digital nomads "1 point" was praised
2024 / 07 / 05 09: 40
According to William Russell, a human resources company, 10 countries are suitable for digital nomadic work, with Taiwan ranked third.
Kao Chia-ching / Authentication Editor
[Financial Channel / Comprehensive Report] Job types have become more popular in recent years, and William Russell, a human resources company, points out that 10 countries are suitable for digital nomadic work, including Taiwan, which is also ranked third, and Taiwan ’ s “health care system ” is highly praised.
Spain and Albania ranked first in the ranking of digital nomads, with a maximum five-year extension for digital nomads, according to the Daily Mail.
However, in Spain, applicants for a digital nomad visa must have an undergraduate or postgraduate degree from a well-known university or business school, or have at least three years of work experience in the current field.
Mexico and El Salvador are tied for second place, with digital nomadic visas that can be extended for up to four years but require some proof of income to qualify.
Germany, Malta, Taiwan and Cyprus are ranked third, and remote workers can obtain visas for up to three years.
Norway and Portugal are ranked fourth, offering visas for up to two years.
William Cooper, marketing director at William Russell, said: “There are a lot of things to consider before moving to another country and officially becoming a digital nomad.
For example, in most countries or regions, it is necessary to have international health insurance to ensure that expenses such as doctor visits and hospitalization are covered while you live abroad.
""
Countries such as Malta and Taiwan offer well-established health care systems for their residents, including expatriates and digital nomads, so they are unlikely to incur too much medical costs, Cooper said.
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What are critical aspects of the digital nomad lifestyle?

Knowledge of visa and other legal requirements

What are critical aspects of the digital nomad lifestyle?

Knowledge of visa and other legal requirements

Digital nomads typically need international health insurance, although some countries like Malta and Taiwan have well-established healthcare systems for expatriates.

What are critical aspects of the digital nomad lifestyle?

The OECD is developing tax amendments for digital nomads and reviewing global tax rules for remote employment.

Title:

Content: KZ
OECD Develops Tax Amendments for ‘ Digital Nomads ’
Published by:
The Organization for Economic Cooperation and Development (OECD), together with the tax authorities of individual countries, is trying to solve the issue of taxation of employees working remotely.
The need for this arose, because during and after the pandemic, people began to live in resort countries, and work at the same time in companies around the world, reports Bloomberg.
This material is part of our daily newsletter.
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Negotiations between the OECD and officials could result in tighter rules on work and taxation abroad.
Experts will have to decide: at what point the remote work of an employee of a foreign company on the beach should be of interest to local tax authorities?
At the same time, in the case of the introduction of a new tax regime, the question arises about social security and pension payments for those people who live in one jurisdiction and earn money in another.
According to one senior official, by the end of 2023, the OECD plans to complete a review of whether global tax rules should be adjusted to control cross-border remote employment.
The pandemic has blurred the line between work and leisure.
At the same time, a new class of workers appeared, which is commonly called “digital nomads ”.
These people actually earn income in one place, and can live anywhere.
This has caused some confusion in tax matters.
Original article: https: / / www.nur.kz / nurfin / personal / 2013600-oesr-razrabatyvaet-nalogovye-popravki-dlya-tsifrovyh-kochevnikov /

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Russian IT specialists abroad are taxed at 13-15% regardless of tax residency.

Title:

Content: 15 June 2023, 07: 46
For employees who left Russia, the personal income tax rate was set at 13-15%
The Ministry of Finance of the Russian Federation introduced a single rate of personal income tax for those who left
The personal income tax rate for employees working remotely under employment contracts or civil law contracts will be uniform.
The Ministry of Finance set it at the level of 13-15%, regardless of tax residency.
This was stated by Deputy Minister of Finance Alexei Sazanov, reports “Rossiyskaya Gazeta ”.
A flat rate was introduced to avoid the outflow of employees.
Earlier in Russia, a discussion broke out around the personal income tax rate for remote workers working from abroad.
Should the rate be as for Russian residents - 13% or 15%, or as for non-residents - 30%.
/ / photo unsplash.com

What income tax rate for remote workers outside of Russia did President Putin sign into law?

Russia has a uniform tax rate for IT specialists abroad to prevent employee outflow.

Title:

Content: 15 June 2023, 07: 46
For employees who left Russia, the personal income tax rate was set at 13-15%
The Ministry of Finance of the Russian Federation introduced a single rate of personal income tax for those who left
The personal income tax rate for employees working remotely under employment contracts or civil law contracts will be uniform.
The Ministry of Finance set it at the level of 13-15%, regardless of tax residency.
This was stated by Deputy Minister of Finance Alexei Sazanov, reports “Rossiyskaya Gazeta ”.
A flat rate was introduced to avoid the outflow of employees.
Earlier in Russia, a discussion broke out around the personal income tax rate for remote workers working from abroad.
Should the rate be as for Russian residents - 13% or 15%, or as for non-residents - 30%.
/ / photo unsplash.com

Russian non-residents are taxed at 30%, except for IT specialists working abroad, who are taxed at 13-15%.

Title:

Content: 15 June 2023, 07: 46
For employees who left Russia, the personal income tax rate was set at 13-15%
The Ministry of Finance of the Russian Federation introduced a single rate of personal income tax for those who left
The personal income tax rate for employees working remotely under employment contracts or civil law contracts will be uniform.
The Ministry of Finance set it at the level of 13-15%, regardless of tax residency.
This was stated by Deputy Minister of Finance Alexei Sazanov, reports “Rossiyskaya Gazeta ”.
A flat rate was introduced to avoid the outflow of employees.
Earlier in Russia, a discussion broke out around the personal income tax rate for remote workers working from abroad.
Should the rate be as for Russian residents - 13% or 15%, or as for non-residents - 30%.
/ / photo unsplash.com

What income tax rate for remote workers outside of Russia did President Putin sign into law?

The Ministry of Finance proposes a single tax rate for residents and non-residents to simplify tax obligations for Russian IT specialists abroad.

Title:

Content: June 14, 19: 32
SPIEF
The Ministry of Finance of the Russian Federation: increase in personal income tax for remote workers abroad could lead to budget losses
For this reason, the agency proposed a single rate for both residents and non-residents, said Deputy Finance Minister Alexei Sazanov
ST. PETERSBURG, June 14.
/ TASS /.
The personal income tax rate of up to 30% for remote workers abroad could lead to the loss of not only personal income tax, but also insurance premiums, so the Ministry of Finance of the Russian Federation proposed a single rate for both residents and non-residents.
This was reported to journalists by Deputy Minister Alexei Sazanov on the sidelines of SPIEF-2023.
“The logic here is quite simple: now those people who work remotely pay insurance premiums and personal income tax, if the employment contract is properly drawn up.
If we introduce a rate of 30%, then the enterprises for which these individuals work can create branches abroad, and we will lose not only personal income tax, but also insurance premiums.
To avoid the flow of labor force, we proposed a single rate for both residents and non-residents, "Sazanov said, answering the question why the Ministry of Finance refused to increase the personal income tax rate to 30% for remote workers abroad.
The personal income tax rate for working remotely Russians will remain at the level of 13-15%, regardless of whether they are in the Russian Federation or have lost the status of a tax resident.
The relevant amendments were made to the draft law on the main directions of tax policy, which the government again introduced to the State Duma.
The bill addresses the issue of taxation of remote employees, regardless of their status.

Russian IT specialists abroad may lose tax resident status but can still use a single tax rate.

Russian IT specialists abroad can minimize tax liabilities using employer-paid insurance premiums, which are nearly halved for them.

Title:

Content: VTB decided to optimize the IT unit for the sake of tax savings
01 / 17 / 2022 10: 41 AM
2 719
1 Reading time: 2 minutes
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Banki.ru
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VTB decided to transfer a significant part of its IT specialists to a third-party company “Innotech ”, 100% owned by the T1 group, writes“ Kommersant ”.
According to experts, such a step will help VTB to get significant savings on taxes and insurance premiums.
According to one of the sources, it is planned to transfer almost all the bank ’ s IT specialists to Innotech.
According to another, “a significant part ”, and this step should give significant tax savings, since tangible benefits have been established for IT companies.
For example, the income tax for such companies is reduced from 20% to 3%.
However, for this it is necessary that the income from the sale of software at the end of the reporting period was at least 90% in the amount of all income of the organization for the specified period.
Also, the insurance premiums that the company pays for its employees are almost halved.
In addition, another interlocutor noted that in the future, VTB will become a co-owner of “Innotech ” together with T1.
The global management of Innotech will be carried out by Vadim Kulik, Deputy Chairman of the Board, IT curator at VTB.
Probably, he will head the board of directors of the company, while retaining a post in VTB, added a source close to the bank.
This was announced by Deputy Minister Maxim Parshin during the video bridge Europe – Asia on the topic “Digital space of the EAEU: challenges and achievements ”.
10 / 25 / 2021 5: 23 PM
As explained in VTB, as part of the technological transformation, the bank is considering “various options for the reorganization of the IT unit ” to expand the presence of technological expertise and IT products on the market.
“So far, it is premature to talk about specific decisions, ” the credit institution added.
Many companies began to bring specialized employees to specialized structures in order to benefit from the tax maneuver in IT in the spring.
According to the general director of Oxygen Pavel Kulakov, in particular, Sberbank with its subsidiary Sberbank has already passed along this path: “Such a step also indicates that the company plans to sell its products to the market, and not only within the group, and make money on them.
I think that the trend will develop and specialized IT companies — cloud, software and others — will replace IT departments of companies. ”
Co-owner of RuSIEM Maxim Stepchenkov also noted that T1 is focused not only on internal orders, but rather on external customers, the group works on all fronts.
“T1 is a classic IT integrator, which is also engaged in the supply of equipment, and the share of earnings from services is not so significant that it does not allow the company to receive benefits as an IT company, ” he says.
At the same time, according to Maxim Stepchenkov, the main reason for the emergence of dedicated IT companies within corporations, in addition to tax incentives, is the possibility of faster hiring of employees.
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What are critical aspects of the digital nomad lifestyle?

Russian IT companies with 90% of income from software sales qualify for a 3% income tax rate.

Russian IT specialists abroad can benefit from tax strategies like claiming work-related expense deductions.

Title:

Content: Putin signed a law on a single rate of personal income tax for remote workers
2: 18
The personal income tax (PIT) applied to workers employed abroad has changed significantly.
The President of Russia, Vladimir Putin, signed the relevant law, published on the official portal of legal information, as reported by “Uralinformburo ”.
The new law establishes uniform personal income tax rates for Russian workers engaged in labor activities outside the country.
Now the rate of personal income tax depends on the annual income of the employee and is 13% or 15%.
• 13% rate applies if the annual income of the employee does not exceed 5 million rubles.
• 15% rate is valid if the annual income exceeds the mark of 5 million rubles.
If a Russian tax resident provides services to a foreign company, the latter must become a tax agent and register with the tax authority.
In this case, the foreign company is obliged to pay personal income tax for its employee at the established rate of 13% or 15%.
Such changes are aimed at improving the control over the payment of taxes and preventing the departure of income abroad.
In the event that a foreign company is not a tax agent or does not pay personal income tax for its Russian employee, the taxpayer is obliged to pay the tax independently.
This is done by filing a tax return on time.
It is important to note that with the new changes, remote workers can no longer expect to be compensated for the costs associated with performing their work duties remotely.
Thus, it is necessary to plan a personal budget more carefully, taking into account the possible costs associated with working abroad.
The new NDFL rules will enter into force in stages:
• From 2024, they will be valid for full-time employees of Russian companies that work abroad.
• Since 2025, the changes will also affect freelancers performing work for Russian companies from outside the country.
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Author Makar Gorshenin
Makar Vadimovich Gorshenin is a second-year student of the Moscow University of Finance and Law, a freelance correspondent of Pravda.Ru.
Editor Elena Timoshkina
Elena Timoshkina — Editor-in-Chief of Pravda.Ru *

What are critical aspects of the digital nomad lifestyle?

Russia has drafted a tax law to address remote worker taxation and prevent labor and tax losses.

Foreign companies must register and pay a 13% or 15% tax rate for Russian employees.

Russian IT specialists abroad may face increased taxes and canceled benefits due to new legislation.

Title:

Content: SMI2
280 followers
For those who left Russia and working at a remote location will be increased taxes and canceled benefits - speaker of the State Duma Volodin
State Duma Speaker Vyacheslav Volodin said that the lower house of the Russian parliament is now developing changes in the legislation relating to specialists who left the country, but continue to work in Russian companies remotely.
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Russia proposes a 30% tax on income for expats working abroad online.

Title:

Content: The Cabinet proposed to raise taxes for working from abroad Russians
24 April 2023, 11: 17
piqsels.com
The government submitted to the State Duma a bill, in the case of adoption of which Russian companies will be required to levy a 30% tax on income of individuals (PIT) from payments to employees who have lost tax residency in the Russian Federation.
The document was published in the electronic database of the lower house of parliament
It is assumed that the new rules will come into force on January 1, 2024, they will apply to all citizens who have left the country, using the Russian segment of the Internet for work or software and hardware and hardware located in the Russian Federation.
According to the initiative of the Cabinet of Ministers, Russian employers and customers will charge the remuneration of employees who left the Russian Federation or performers of personal income tax at a basic rate of 13-15%; after the loss of tax residency, the rate will increase to 30%.
It is specified that the innovations will affect officially working under an employment contract and freelancers, while such employees must meet at least one of the following conditions: be tax residents of the Russian Federation; remuneration must be transferred to an account in a Russian bank; payment is made by Russian organizations, individual entrepreneurs or separate subdivisions of foreign structures in the Russian Federation.
It is noted that employers will have to determine for themselves what rate to apply for each individual employee, depending on whether he carries out his activities in the Russian Federation or works from abroad.

Russian IT specialists abroad can benefit from a 13-15% tax rate if considered tax residents.

What income tax rate for remote workers outside of Russia did President Putin sign into law?

Employers must tax foreign income payments and Russian bank account holders are subject to the new rules.

Russian citizens abroad must pay taxes in Russia on income from Russian sources.

Title:

Content: July 26, 2022
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People working for Russian companies from abroad must pay taxes in Russia - Ministry of Finance
The Ministry of Finance of Russia has prepared a number of amendments to the tax, customs and budget legislation.
The Ministry said that the changes are aimed at “improving the efficiency of the tax system. ”
In particular, the amendments may affect citizens working for Russian companies from abroad.
The Ministry of Finance believes that taxes on their salaries and other remuneration should be paid in Russia.
"Remuneration paid by domestic employers to remote workers located outside the country relates to income from Russian sources," the Finance Ministry said in a statement.
Also, the Agency proposes to exempt from taxes compensation that employers pay their remote workers for the use of their own or rented equipment, software and other means "for the performance of labor functions."
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Remote employees and students under 24 may be eligible for tax-free compensation or deductions on equipment and materials.

Title:

Content: The Ministry of Finance proposed to change the taxation system of citizens in Russia
The Ministry of Finance of Russia proposed to make adjustments to the taxation of citizens, according to “Izvestia ” with reference to the annex to the“ Main directions of budget, tax and customs tariff policy for 2022 and the planning period of 2023 and 2024 ”.
The first change concerns people working remotely in other countries for Russian companies.
They may be required to pay income tax (NDFL).
Now there is no such norm, said Levon Hayrapetyan, head of the direction “Tax Policy ” of the CSR.
At the same time, the Ministry of Finance wants to establish a limit on the amount of compensation payments that employers make to remote employees for the organization of labor.
Now companies reimburse remote workers for the costs of the necessary equipment, materials and other things.
According to the new proposals, such costs of organizations will not be subject to personal income tax if the amount does not exceed a certain threshold, Hayrapetyan noted.
Also, the Ministry of Finance proposes to change the approach to taxation of bookmakers.
Now if you win less than 15,000 rubles, the Russians have to pay personal income tax from the amount received.
The authorities want to shift responsibility to gambling establishments, regardless of the amount of revenues.
Another measure concerns the strengthening of control over the use of maternity capital.
The Ministry of Finance came up with the idea to oblige the Pension Fund of Russia (PFR) to provide tax information about the owners of the relevant certificates, who disposed of the allocated funds, and about the amounts used.
It is assumed that this will automate the supervision of the legality of the provision of property tax deductions, which are not provided for in the case of the purchase of real estate with the funds of the parent capital.
In addition, now liquidated or bankrupt banks can not transfer information on the interest paid to depositors.
The Ministry of Finance proposes to impose the need to provide this information to the Federal Tax Service (FTS) on the Deposit Insurance Agency (DIA).
Some of the changes that are proposed to be implemented are related to the reduction of the tax burden.
For example, the Ministry of Finance intends to endow the owners of shares of companies received as a gift or inheritance, upon leaving the company or upon liquidation of the organization, to reduce the taxable income by the amount with which the contribution was paid when it was acquired by the donor or testator.
The Ministry also wants to expand the list of recipients of tax deductions.
One of the proposals is to increase to 24 years the age limit for full-time students of children of taxpayers who claim to receive a social deduction.
At the same time, the standard tax deduction can be available to persons who are in the care of children or recognized incapable citizens.
The Ministry of Finance proposes to allow people when acquiring property rights to refuse a tax deduction and reduce the amount of taxable income by the amount of actually incurred expenses.
With a fixed amount of tax deduction, the new option will be limited only to the amount of income from the sale of the property.
Finally, the department came up with the idea of adjusting the procedure for accounting for expenses when families with children sell housing purchased under state support programs.
It is assumed that it will be made in proportion to the share of each family member in the ownership of the dwelling.
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Taxpayers can claim deductions for caring for dependents and acquiring property rights.

Digital nomads can protect their data while working remotely by using a VPN.

Title:

Content: Info-Most: How and Why to Use a VPN
16 February 2024, 14: 30
Read news in ukrainian
Attackers can gain access to your data: where you are, with whom you correspond and what you buy online.
Marketers willingly use this information to offer you certain products.
Fraudsters have vested motives.
And totalitarian regimes thus control the information field and exert pressure on the population.
In these cases, a VPN is useful.
These services will help to take care of the safety of the Internet – especially if you are in threatening conditions, such as occupation.
Channel 24 begins the project "Info-Most", which will help you to protect yourself and your family in the occupation.
How to learn objective information and not become a victim of intruders.
How to independently understand between lies and truth, threatening and safe - we tell further.
The active phase has begun – intelligence has warned about the Russian information operation “Perun ”
What is VPN
Help.
VPN – “Virtual Private Network ”, that is, a virtual private network.
The VPN service creates a secure connection, gives an additional layer of privacy and anonymity.
Now in simple words: you connect to a VPN server, which acts as a kind of intermediary between you and all the threats that appear on the Internet.
A VPN protects all the information you use – whether you are transmitting or receiving during a session.
No one will be able to track the location you are in, the browsing history, or the time and purpose of your activity.
How it looks in practice
So you go from point A to point B and everyone sees you walking down the road, how you're dressed, how you look, and so on.
VPN is if all this way covered with an opaque dome, a film of black.
That is, you can see that someone is walking along it, but who and where is not clear,
Cybersecurity expert Konstantin Korsun explained.
For example, you went to a cafe and scroll the tape on the Internet.
A public provider can access your information: what exactly you are viewing, how much time you spend on the site, and the like.
When a VPN is turned on, all this data becomes inaccessible to a stranger ’ s eye, which may belong to an Internet service provider, government, hackers or corporations.
Important!
Residents of the temporarily occupied territories, thanks to a virtual private network, can access information that is sometimes lacking in a limited and controlled information field and increase security while communicating with relatives.
Why you should install a VPN
It is necessary to start with the prerequisites – in Russia there is a body that monitors communications.
It literally controls the info-space and the actions of users on the Internet.
In such circumstances, it is not surprising that a large number of Russians use VPN services.
First, it allows you to protect your data from surveillance.
Secondly, it helps to find out what is really happening in the world: after all, Ukrainian media and part of Western content in Russia are blocked.
Pay attention!
Russian special services sometimes spread fakes: they can allegedly track what the user is browsing using a VPN.
That's not true.
A virtual private network server securely encrypts the data you send and receive.
When using a VPN, your web traffic and IP address can no longer be tracked.
However, this applies only to reliable VPN providers, a low-quality VPN does not provide such protection.
But even here there is one nuance:
“It ’ s not clear what you were doing, but it ’ s clear that you then connected, sent so much data, went somewhere and were active until 12: 48.
And it was the home Internet, which means that you were at home at that time, ” said Konstantin Korsun, a cybersecurity expert.
Also, human rights activist Pavel Lisyansky advises you to reset the settings in your phone.
“You see, if you feel something there or intuition tells you something, there is a button on the phone – reset to factory settings.
And everything – a photo or something else, it is dropped everything and nothing remains, ” the human rights activist said.
How to reset / Screenshot from video
How to use VPN
Go to the online store of your mobile phone - this is the App Store for iPhones and Play market for androids.
If you use a personal computer, go to the virtual store of your browser.
Or just type the name of the VPN you ’ ve chosen in the search engine you ’ re using.
Download the VPN, sign up for the app – if necessary, and run a secure network.
Now you can use the Internet safely.
If you turn off the network or reboot the device, the connection is lost.
In this case, you need to join the VPN again.
Do not use Russian Yandex, it can "merge" your search history.
But even here, you can “bypass ” malicious rules if you have access only to Yandex.
“We need to understand that this traffic will be tracked and somehow indirectly form their questions.
For example, do not "download VPN", but read an article about the means of protection when using the Internet.
There are usually some top-5, top-10, top-20, to see.
That is, no, you are not a Ukrainian saboteur, you are interested in protecting privacy from cybercriminals, ” said Konstantin Korsun, a cybersecurity expert.
Thus, Ukrainians in the temporarily occupied territories can learn truthful information from the Ukrainian media and watch TV channels.
By the way, regarding the news - there is another advice - you can watch Ukrainian channels on YouTube.
Go to YouTube - and all you can see is that you went to YouTube.
The security system of YouTube is arranged so that you came in, logged in and that ’ s all.
That is, you are looking for the channel you need, you are viewing, and the history of your search - when you exit, you can delete,
noted the expert.
And one more important point: please check if your app is secure.
In the knowledge base "Reliable" say that the service is safe if it is not created in Russia or China, and its developer is a well-known company.
All this can be googled – an elementary check will tell the most important thing: whether it is a hostile service.
And also check whether there were cases of data leaks of users of this VPN, and whether there were successful attempts to hack it.
Google is better in English (data leak VPN, data breach VPN, hack VPN).
Recommendations for applications
To make it easier, we have prepared several recommendations on which VPN service will be useful and will not harm your security.
It will be appropriate to use the site Privacy Tools.
It contains the best VPNs in the world: those that are secure have not been compromised by data breaches or ties to totalitarian regimes.
“I would recommend paying attention to those that use the so-called Kill Switch feature.
It can be called differently, but the essence is that VPNs are so arranged that, sometimes, they “fall off ” – they stop working, and the user does not notice it.
This is how you get your real IP address.
There are no signals or messages.
And Kill Switch is a thing that in such cases simply blocks access to the Internet, ” said Konstantin Korsun, a cybersecurity expert.
Among these services:
• NordVPN ($60 / year)
• Surfshark ($48 / year)
• ExpressVPN ($100 / year)
• ProtonVPN (€72 / year)
• Mullvad (60 euros / year)
• psiphon.ca ($72 / year)
These services are paid, but they have proven themselves well on the world stage.
However, you don ’ t have to write out a VPN for a year.
Some applications offer less payment for a shorter period of time.
If this is not available to you, use the recommendations from the knowledge base "Reliable".
Their experts offer the following free VPN services:
• TunnelBear
• NewNode VPN.
Human rights activist Pavel Lisyansky also told another important rule of security on the Internet - "clean everything", that is, clean history.
To do this, go to Google and write: "how do I clean the history in Google, Youtube" and so on.
It is necessary to connect the VPN and when you call your family.
And here we have a few recommendations:
• First: if you are connected to Russian operators, you can be tracked by special services.
Therefore, it is better to use protected messengers.
These include Signal, WhatsApp and Threema – although the latter is paid.
These apps can also be downloaded from the virtual stores of your phones or laptops.
These programs support end-to-end encryption for all messages by default.
This is a way of transmitting data in which only the users involved in the communication have access to the messages.
Use secure messengers / Infographics 24 Channel
• The second tip – even when calling through secure messengers, still turn on the VPN.
This is a double protection from someone else ’ s interference in your private communication.
Human rights activist Pavel Lisyansky advises to have a separate phone with which to access the Internet.
“So you have one phone – a smartphone that you use as a phone.
Go, talk there - maybe social networks, but not politically.
Another phone – which is never connected to the 3G network, respectively, there should not be a SIM card of the Russian Federation.
And, accordingly, you with this phone through a VPN already go out and watch Ukrainian news, Ukrainian content and so on, ” advises the human rights activist.
A number of other recommendations on how to make communication safe:
1.
Be careful about the information you store on your phone.
Clean up photos, screenshots, and emails that may pose a threat to your safety.
2.
Use secret chats - in some messengers, for example, telegram or instagram, you can send messages that will disappear irrevocably after a while.
3.
Set a lock on the device and two-factor authentication on important services - mailbox, social networks, bank accounts and the like.
4.
Store important documents on cloud services or in hidden albums.
5.
And, of course, use a VPN to protect your personal data from the enemy.
Tips for online security / Infographics 24 Channel
We will talk about other important aspects of digital security in the next issues of the Info-City program.
If you have relatives in the temporarily occupied territories, please share this material with them.
Help with this instruction to anyone who needs the protection of personal data.
This article was prepared within the framework of the project 'EU NEIGHBOURS east'.
The thoughts expressed in the article belong exclusively to the author.

A VPN creates a secure connection, providing an extra layer of privacy by making web traffic and IP addresses untrackable.

NordVPN, Surfshark, and ExpressVPN are recommended paid VPNs, while TunnelBear and NewNode VPN are recommended for free.

Secure messengers like Signal, WhatsApp, and Threema offer end-to-end encryption for private communication.

Using a VPN, secure messenger, and two-factor authentication, and regularly cleaning internet history, provides strong online security.

Storing documents on cloud services or hidden albums protects personal data.

Antivirus software is essential for digital nomads, protecting computers from cyber threats and online scams.

Title:

Content: de Cal Peixet

Bloc d'en Sergi Franch i Segarrès

Anti virus Software – Protect Your Computer From Cyber Threats

If you are looking pertaining to protection against cyber threats, then you should consider obtaining antivirus software. These courses can save your pc from trojans, spyware, and viruses.

You should consider choosing a paid antivirus company if you want whole protection. A paid antivirus program is going to present real-time safeguard, email and phone support, and more features than a cost-free one. It will likewise allow you to run a contamination scanner on your PC and mobile phones, and it will protect against online scams and harmful websites.

Modern-day e-threats will be smarter than ever. They have hotter methods to avert detection, they usually can go direct for your pockets. Using an antivirus can prevent critical consequences.

Free of charge antiviruses are available, but they’re limited in features. Corporations limit their particular free types to standard protection.

Depending on your needs, you should look for a top-rated free antivirus service. The best free products are very simple to use, and they include excellent rates of protection against spyware. But they planning to cover all the cybersecurity vpn for accessing sites like reddit threats to choose from.

The best free antivirus solutions come with a free sample period, and you will try these people for 30 days without supplying your credit card details. Then, you’ll need to register online for a premium variation.

AVG is among the most popular free ant-virus programs to choose from. It offers a free password supervisor and protect browser. If you’re someone or a family, it’s a superb choice.

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Paid antivirus programs offer more features and better protection than free versions.

Top-rated free antiviruses like AVG offer excellent protection against spyware and additional features.

Digital nomads should consider factors like servers, support, and payment options, such as PrivateVPN's Bitcoin option, when choosing a VPN.

Title:

Content: Top VPN Suggestions By Reddit Users

Micaela | Updated: 29-10-2022 11:13 IST | Created: 29-10-2022 11:13 IST

A VPN, or Virtual Private Network, is a tool that helps to keep your online activity and identity safe from prying eyes. By encrypting your data and hiding your IP address, a VPN makes it much harder for anyone to track what you're doing or where you are. There are many benefits of using a VPN, but some of the most notable ones include: - improved security and privacy- bypassing government censorship- accessing restricted sites- avoiding ISP throttling- protecting yourself from Wi-Fi hacksIf you do not have experience when it comes to VPNs, this article is definitely for you. Today, we are going to show you some of the best reddit VPN suggestions by Reddit users.

PrivateVPN

When people discuss VPNs, they usually do not mention this one. PrivateVPN is not the most popular VPN on the market, but it definitely gets the job done. It is evident that the people on this team value quality and not quantity. The design of the program is pretty simple and that makes it easy to use. One of the best things when it comes to PrivateVPN is that you can pay for it with Bitcoins. If you do not have a VPN installed, this one should definitely be on your list.

NordVPN

It is safe to say that NordVPN is kind of a celebrity among VPNs. This was one of the first VPNs and it definitely deserves such a status. If you do not have the time to do your research and find a VPN that suits your needs, you simply cannot go wrong with NordVPN. They have the most servers and customer support is one of the best in the world of cybersecurity. If you want to feel safe when browsing the internet or watching a football game you cannot watch in your country, then NordVPN is one of the best options for you.

Surfshark

One of the main reasons why people love Surfshark is that it provides customers with many quality features, but at a lower cost than NoprdVPN, for example. If you maybe do not want to commit to NordVPN, then Surfshark is the best option for you. One of the best things when it comes to Surfshark is the feature that is called Kill Switch. This feature suspends your connection and protects your data if you temporarily lose internet access.

There are many wonderful options when it comes to VPNs today. You need to do your research and get the one that suits you best.

(Disclaimer: Devdiscourse's journalists were not involved in the production of this article. The facts and opinions appearing in the article do not reflect the views of Devdiscourse and Devdiscourse does not claim any responsibility for the same.)

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NordVPN offers the most servers and best support, while Surfshark provides quality features, including a Kill Switch, at a lower cost.

Digital nomads should use strong, unique passwords and enable Two-Factor Authentication.

Title:

Content: Science and Technology
Technology: How do you protect your information online?
Thank you for reading about Tech: How to protect your private information online?
Now with the details of the news.
All users are almost always connected to the Internet as this has become available whether at home, in the workplace or even on the streets and roads, but this constant connection makes it difficult to protect information over the network.
The Internet is the easiest and cheapest way to communicate with family and friends, as well as to follow up on the progress of work, and after the outbreak of the COVID-19 pandemic, connectivity became necessary for employees, students, or even entertainment.
The Internet can become a dangerous place for any user, especially users who do not take serious steps in protecting their data, and we explain to you in this article the most important steps to protect private information and security.
1- Choose a strong password
A large number of users around the world still choose very weak passwords, and some use passwords such as 12345678 or re-use the username in the password field.
Perhaps the most important thing that has helped to reduce the number of weak passwords is that websites and apps are not accepting those words in the first place.
You should use a strong password that cannot be guessed, by making it uneasy on the one hand, and not using your old passwords on the other hand or words that express you or your life, besides using letters, numbers, and symbols such as @ or $.
2 – Protection of information over VPN networks
VPNs can help a lot in securing and protecting your phone, because they keep your information secure and hide your IP address and geographic information.
You can rely on a paid network like NordVPN or a free service like WARP from the well-known company Cloudflare.
3. Avoid public Wi-Fi networks
Public and open Wi-Fi networks represent a golden opportunity for any hacker, as accessing your device through them in case you are connected to them is very easy.
Hackers can track all the data that your phone transmits or receives through these networks, knowing that using a VPN may protect you while using it as well, but avoiding it is the ideal option.
Use of Two-Factor Authentication
There is no doubt that two-factor authentication is one of the most important security features at all, as it allows you to prevent logging into your account only after confirming ownership through a mail message or approval via a dedicated application, or even as an SMS message.
This technology mainly contributes to the protection of information, and most applications, especially those that contain important and special content allow to be activated, such as Facebook, Twitter, PayPal, and dozens of other applications.
5 – Hardware and applications event to protect information
Periodically updating devices and applications avoids any security vulnerabilities that hackers can exploit, and these updates usually contribute to improving the performance of the device or application.
So make sure to update your smartphone, tablet, apps and software continuously with the automatic update feature if it suits you.
6 – Use different passwords
Anyone can know the password of your Facebook account, for example, by typing it in front of them or in any other way.
In the case that you use the same password in all applications, this person is able to log in to all your accounts on all sites and applications, and you do not want that of course.
Therefore, a different password must be used for each application or program, and this practice is one of the basics of information protection.
Password management apps can be used so you don ’ t forget.
You may also read.

Regular updates and unique passwords can help fix security vulnerabilities and prevent hackers from accessing all accounts.

Reputable VPNs use AES256-bit encryption and have strict privacy policies.

Title:

Content: About vpn

Read Time:4 Minute, 35 Second

It is crucial to pick an VPN with advanced privacy features. It is recommended to use AES256-bit encryption. A good example is a kill switch that will stop leaks if you abruptly disconnect. A web browser with multiple-factor authentication as well as password management and anti-virus software are all possibilities. If you’re on an open Wi-Fi network, a VPN is a good way to protect yourself from hacker attacks that could access your information through an open network.

Utilizing a VPN service, you can ensure that your data and personal information secured and protected. This is a way to make it hard for anyone else to follow you, or see your information. You can use it to remove geo-blocking restrictions that limit access to sites or other content. VPNs VPN functions by routing all traffic via a secure server. This can be helpful when you are traveling, buying online streaming video content or shopping from outside your country of residence.

TunnelBear is an VPN service with an initial trial period of 30 days. It also provides access to many different destinations, including Japan, Canada and the United States, Canada, and Japan. If you’ve got a particular server in mind, you may click on it and connect. The VPN service is simple to use user interface. The app can either choose the location you’d like to visit or select it automatically.

Some VPN applications have numerous features however, they are lacking in one area. Contrary to other competitors, Surfshark does not share the information of its parents company , or with its sister companies. Surfshark is on the other is an iOS app that is fast easy, straightforward, and cost-free. As an example, certain iPhone VPNs will use outdated encryption protocols such as PPTP and PPTP, which are not efficient to secure your data.

A VPN to protect financial transactions. VPNs hide your IP address , ensuring that the details of your account, banking or identity cannot be seen. VPNs can be used to protect your identity. VPN will also safeguard your privacy if you connect to WiFi that is accessible to the public. This can be helpful in cases where you’re shopping online, and you are located in a location where your personal information is easily accessible by cybercriminals.

VPNs can also help you bypass geo-blocking technology, which blocks access to certain content VPN will also allow you to reduce costs by changing your geographical location. It will appear that you’re in another country when in fact you are right in your home country. They can also assist you by avoiding geo-blocking technology which blocks access to websites and content in certain countries. A VPN is an indispensable tool for protecting your data, whether you’re a business user or a private one. An VPN is a great device to secure your data regardless of whether you’re on the bus or during business gatherings.

An acceptable service will allow you to connect to multiple devices at the same time. There is the possibility of covering multiple devices by using one service if you have multiple connection options. In addition, search at an iPhone VPN that is easy to install. A VPN that is reputable and has reasonable privacy policies is required. This is important if you own multiple devices to be connected in the same moment.

This can be helpful in the case of browsing the internet, watching content as well as gaming. VPN Chrome extensions are also useful. These browser extensions encrypt the data that is transferred between your device and the browser by obscuring the purpose of your information.

But, it is possible that you will need to sign up for services in order to benefit from these features. There are many VPNs offer Chrome extensions. Chrome extensions are accessible for downloading. The best vpn cost extensions are the ones which provide a superior quality of security and protection. It allows users to gain access to additional features such as ad blocking as well as flash blockers and time zone spoofing.

The Internet service provider won’t be able see what traffic you send and receive and this makes it more difficult for hackers track your activity. In addition, a VPN can help you unlock geo-locked content. Virtual private networks (VPN), can be used to help protect your online privacy. It is also beneficial to use a VPN is also useful for safeguarding you against data theft and government surveillance when you visit other countries.

The company has a good reputation and has top-notch security features. ExpressVPN is well-known on the world of commercial VPNs. It provides a range of places, which include 23 locations within North America, 23 locations located in Europe along with 29 locations within China. You can also get the guarantee for seven days of return of your money. ExpressVPN although it is more costly than other VPN services, is a good choice.

A VPN is a great method to ensure your information is private as well as protect your web browsing. A VPN can speed up page loading times. Take care of signing up with VPN services. It can also speed up page loading times. It is crucial to ensure that you select a reputable VPN service that has a responsive customer help. Many free VPNs are just fronts for spyware, malware, as well as other dangerous software. It can even assist you in staying connected abroad. VPN can help you avoid censorship.

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Digital nomads should choose a reputable VPN provider to avoid spyware and malware risks.

Password managers and two-factor authentication add layers of security.

Title:

Content: Crimeware services for crooks are fueling the surge of cybercrime

How to protect yourself from this rising threat

Ah, the double-edged sword of technological advancements. I'm a tech guy, so I love seeing the world becoming a more tech-friendly place as time passes. What I don't love is that a dark underbelly has emerged where cybercriminals are constantly on the prowl looking for new ways to scam unsuspecting people and take their cherished personal information. They continue doing this by using Crimeware-as-a-Service. Let's discuss exactly what this means and how to protect yourself from becoming the next victim.

CLICK TO GET KURT’S FREE CYBERGUY NEWSLETTER WITH SECURITY ALERTS, QUICK TIPS, TECH REVIEWS AND EASY HOW-TO’S TO MAKE YOU SMARTER

What is Crimeware-as-a-Service?

You wouldn't think that committing these cybercrimes was that easy, yet it's becoming easier and easier, thanks to Crimeware-as-a-Service. It's the practice of providing resources for cybercriminals on the dark web. These resources typically entail some type of dangerous software or tools that a cybercriminal can inflict on someone else's device using phishing attacks, spyware or some other method.

There are phishing attack kits that cybercriminals can purchase for just $40. (CyberGuy.com)

Why is Crimeware-as-a-Service so popular?

The reason why this is becoming so popular is that it is something that doesn't even require cybercriminals to be skilled technicians anymore. Instead, they can take the easy route by just paying a fee on the dark web or even social media platforms, and then the software they purchase will do all the dirty work for them. There are phishing attack kits that cybercriminals can purchase for just $40, or they can get a little more sophisticated and purchase some information-stealing malware for more.

How the Covid-19 pandemic fueled the rise of Crimeware-as-a-Service

Committing cybercrimes this way, unfortunately, got accelerated with the COVID-19 pandemic with COVID-themed phasing campaigns, vaccine-related scams and remote access Trojans. Once the pandemic began in 2020, millions of people, including myself, were forced to transition to working or doing their schooling from home. Plus, online shopping became even more popular than it already was, and many people took to social media out of boredom. That caused a major surge in the amount of information that people share online, making it a goldmine for cybercriminals and causing Crimeware-as-a-Service to skyrocket ever since.

MORE: MASSIVE CYBERATTACK STRIKES MILLIONS: ARE YOU AT RISK?

Who are these criminals targeting?

I hate to say this, but no one is truly safe from these cybercriminals who use Crimeware-as-a-Service. The average household likely does not have high-profile online security measures for their devices, as a big corporation might, because many people don't have the time or budget to invest in such measures. Most people might not even realize that they are at risk, and cybercriminals know that, so they try to target as many average civilians as they can through phishing attacks, spyware and other means.

FOR MORE OF MY SECURITY ALERTS, SUBSCRIBE TO MY FREE CYBERGUY REPORT NEWSLETTER BY HEADING TO CYBERGUY.COM/NEWSLETTER.

Cybercrimes accelerated in 2020 during the COVID-19 pandemic.  (CyberGuy.com)

How can I protect myself from crimeware?

Everyone needs to understand that any person is at risk for a cyberattack, especially when they don't have the proper measures in place. There are a few simple and pretty affordable steps that you can take to protect your devices at home from these cyberattacks.

Have good antivirus software

Keeping hackers out of your devices can be prevented if you have good antivirus software installed. Having antivirus software on your devices will deter you from clicking on any potentially malicious links that may install malware on your devices, allowing hackers to gain access to your personal information.

See my expert review of the best antivirus protection for your Windows, Mac, Android and iOS devices by heading to Cyberguy.com/LockUpYourTech

Using a good antivirus software and a VPN and making unique passwords can help you protect your information from cybercriminals. (CyberGuy.com)

WHY YOU NEED TO REMOVE THESE MALICIOUS EXTENSIONS NOW

Use a VPN

Consider using a VPN to protect against those who can track you and identify your potential location on websites that you visit.  Many sites can read your IP address and, depending on their privacy settings, may display the city from which you are corresponding. A VPN will disguise your IP address to show an alternative location.

For the best VPN software, see my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android and iOS devices by visiting Cyberguy.com/VPN.

Make unique passwords for your accounts

Create strong passwords for your accounts and devices, and avoid using the same password for multiple online accounts. Consider using a password manager to securely store and generate complex passwords. It will help you to create unique and difficult-to-crack passwords that a hacker could never guess.

HOW TO SCRUB YOURSELF OFF THE INTERNET

It also keeps track of all your passwords in one place and fills them in for you when logging into an account so that you never have to remember them yourself.  The fewer passwords you remember, the less likely you will be to reuse them for your accounts.

Check out my best expert-reviewed password managers of 2023 by heading to Cyberguy.com/Passwords
Kurt's key takeaways.

With Crimeware-as-a-Service on the rise now more than ever, we must know how to protect ourselves. That includes having antivirus software to detect viruses, using a VPN to protect your IP address at all times and using a password manager to help you create unique and hard-to-guess passwords for all of your online accounts. Just because cybercriminals are hard at work, that doesn't mean you can't outsmart them.

Are you finding it challenging to keep up with all of the ways cybercriminals are trying to breach your security? How are you protecting yourself against cyberattacks and the increasing prevalence of Crimeware-as-a-Service? Let us know by writing us at Cyberguy.com/Contact.

CLICK HERE TO GET THE FOX NEWS APP

For more of my security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter.

Copyright 2023 CyberGuy.com.  All rights reserved.

Antivirus software and unique passwords can prevent malware and cyberattacks.

Digital nomads should be cautious of public Wi-Fi risks and take protective steps, like verifying network names before connecting.

Title:

Content: Public Wi-Fi is a convenient way to connect to the internet if you’re working remotely or traveling. You can browse social media, stream movies, and get work done in a restaurant, airport, or library. While a change of scenery and free Wi-Fi are welcome, your data isn’t secure on public networks. This guide shows you how to protect your data on a public Wi-Fi network, whether you access it from your phone, laptop, or Chromebook.

Related
How to connect to American Airlines inflight Wi-Fi

Connecting to American Airlines inflight Wi-Fi is quick and easy

How unsafe is a public Wi-Fi network?

Public Wi-Fi can pose a security risk since hackers can exploit the lax security to get your personal information. They can access your bank details, private photos, and login credentials. Cybercriminals can create fake Wi-Fi networks to lure you into connecting to them. They may also inject malware if the connection isn’t secure, introducing a backdoor to access your private data.

Another tactic hackers use is called man-in-the-middle (MITM), where they secretly intercept messages between two parties. The attacker manipulates sensitive data to retrieve credit card numbers, email logins, and bank account info.

How to protect your data on a public Wi-Fi network

Public Wi-Fi is easily accessible and convenient but comes with numerous security issues. People typically resort to public Wi-Fi when they don’t have a data connection. Other uses include social media, internet access while traveling, and remote work. You can access Wi-Fi in restaurants, cafés, hotels, and airports. Using public Wi-Fi leaves you vulnerable to attacks. Here are a few ways to safeguard your privacy when you connect to the network.

Turn off automatic connections and forget previously used networks

You may regularly connect to specific Wi-Fi networks at restaurants, stores, airports, or other public places. Your smartphone or laptop may automatically latch to the network whenever you revisit that place. Even though you might think the Wi-Fi is safe, the settings may have changed since the last time you went there. Connecting to it could be risky since bad actors could access your information. After you finish your work, go to Wi-Fi or network settings on your device and forget the network.

0:43
Related
How to find your Wi-Fi password on your Android phone or tablet

Using a password manager makes this easier

Double-check the network name

Avoid connecting to random Wi-Fi networks, irrespective of how trustworthy they sound. Cybercriminals might try to entice you with fake public Wi-Fi hotspots that include the names of popular establishments. Verify the connection name with the employees at popular restaurants or stores. Ensure that you connect to the correct network.

Airports and most public offices display the name of their free Wi-Fi. Check with the authorities if you can’t find it.

Avoid accessing or sharing sensitive information

Don’t use the public Wi-Fi connection to log in to accounts with sensitive information. Hackers could snoop around and steal your data.

Some public Wi-Fi networks ask for your phone number or email address to use their network. To be safe, use a secondary email. Don’t reuse old credentials if you need to set up a password.

Only visit websites with a secure connection

Only visit websites that use the HTTPS protocol to safeguard your data while browsing online. Most browsers warn you if a site doesn’t have one. You can verify this from the URL. It should start with https. If you can’t see it, you can check the site information from the toggle icon on the left-hand side of the address bar on the Chrome browser. The message should say Connection is secure.

Use firewalls

Cybercriminals will try to hack into the network and monitor your activity if you don’t use a secure network. Firewalls monitor incoming and outgoing data and act as the first line of defense when accessing public networks. Activating the firewall on your system adds a layer of security against malicious actors.

Turn off file sharing

To prevent hackers from accessing your data, turn off file sharing when you leave your home network. Leaving file sharing activated on a public Wi-Fi network exposes your data to risk. Here’s how to deactivate the option on a Windows PC:

  1. Go to Settings.
  2. Select Network & internet.
  3. Click Advanced network settings.
  4. Choose Advanced sharing settings.
  5. Under Public Networks, switch off File and printer sharing.

Use a VPN

A VPN encrypts your data and hides your IP address, keeping your online activities private and out of the reach of third parties. It lets you browse the web without being tracked by your ISP. A reliable VPN will encrypt your internet traffic, but you should stay cautious while browsing online. If you want assured data security when you connect to public Wi-Fi, go for a paid VPN. You’ll get faster internet speeds as an additional perk. If you’re unsure which one to pick, we have a comprehensive list of the best VPNs.

Choose a secure Wi-Fi network

Try to look for Wi-Fi hotspots with the lock icon next to the name. It means you’ll need a password to access it. Some hotspots without the lock may require you to sign in via a browser. You can get the details from the staff at hotels and restaurants. Verify the Wi-Fi name and log in with the network password for your safety.

Related
How to use your Chromebook when you don't have a Wi-Fi connection

An offline Chromebook can still use many of its cloud-based apps

Can a Wi-Fi provider view your browsing history?

Yes, your Wi-Fi provider or Internet Service Provider (ISP) can see what sites you visit, even if you use incognito mode. Wi-Fi routers keep logs of all the domains you visit, and your ISP has access to them. However, you can make it difficult for them to track you with a reliable VPN.

Safeguard your online data

Despite the convenience of public Wi-Fi, using insecure hotspots can cause harm. Hackers can snoop on you and steal your data if you’re not careful. Connect to a secure network and avoid accessing sensitive accounts to protect your information. Use a top password manager to secure your private details. You can also turn your Android phone into a Wi-Fi hotspot and connect to your laptop.

Using a VPN provides an additional layer of security on public Wi-Fi.

Firewalls and disabling file sharing on public Wi-Fi can help prevent hacking.

Digital nomads should keep devices and antivirus software up to date and use parental controls.

Title:

Content: BestReviews is reader-supported and may earn an affiliate commission. Details.

What are the tips to stay safe online?

October is the NISA’s Cybersecurity Awareness Month. Now’s the perfect time to learn how to keep yourself safe online and avoid falling victim to scams that run rife on the net.

With individuals spending more time than ever in the digital sphere, it’s important to learn how to protect yourself online. Following a few simple tips will help avoid costly mishaps and keep you and your loved ones safe online.

Tips to stay safe online

Set strong passwords

If your password for everything is “password123,” it’s high time you changed it. One of the most common ways for hackers to break into accounts is simply by guessing passwords. Hacking software starts with the most common password choices, so if you have a glaringly obvious password, your online security is at a greater risk. A strong password should contain a mixture of uppercase letters, lowercase letters, numbers and symbols where allowed. Ideally, you should set a different password for everything. If keeping track of all your passwords is a struggle, you can use password managing software. Then you only need to remember the password for your password manager.

Use multistage authentication

Some websites offer multistage authentication, typically those more prone to being hacked or with the worst consequences if they are, such as online banking sites and payment sites such as PayPal. With multistage authentication, your password isn’t the only thing that secures your account. After entering your password, you’re typically sent a text message containing a code and you’ll only get access to the account after entering the code. This stops anyone who manages to hack your password from entering your account.

Keep your devices up to date

It’s easier to hack into devices that aren’t kept up-to-date because updates to operating systems often contain security patches to fix any weak spots. If your computer, phone or tablet has an operating system update that you’re yet to install, don’t delay updating it. You should also keep any antivirus software up to date.

Be aware of phishing scams

Phishing scams are some of the most commonly fallen for online scams, especially by the older generation who haven’t grown up with the internet. In phishing scams, you’ll be sent a link, generally via email that takes you to a website that looks superficially legitimate. It then prompts you to enter your email address and password and may even prompt you to enter even more sensitive data, like your bank details or credit card number. Armed with this information, scammers can log in to your online accounts and potentially spend money or transfer money out of your bank account.

Phishing scams can look genuine and appear to come from legitimate companies, but there are some telltale signs. Look out for emails that look off and always double-check the email address. If it doesn’t come from the domain of the company in question, it’s a scam. Also remember that your bank or legitimate companies usually won’t ask you to enter sensitive information.

Engage parental controls

Staying safe online isn’t just about keeping your data safe and avoiding scams — there are people online who want to exploit young and vulnerable people. If you’re worried about the online safety of your kids or grandkids, make sure to set parental controls on any websites they use and routinely check their devices for suspicious communication.

Products to help you stay safe online

Norton 360 Deluxe 2021

This antivirus software package offers real-time protection from a range of malware threats, including viruses and ransomware. You can use one package to protect up to five devices.

Where to buy: Sold by Amazon

TP-Link ER605 Multi-WAN Wired VPN Router

With built-in VPN technology, this router offers an even more secure form of browsing compared to a standard router. This model has a range of other integrated security features, so you don’t need to worry about your data.

Where to buy: Sold by Amazon

Sign up here to receive the BestReviews weekly newsletter for useful advice on new products and noteworthy deals.

Lauren Corona writes for BestReviews. BestReviews has helped millions of consumers simplify their purchasing decisions, saving them time and money.

Using password managers and regularly updating operating systems can help ensure cybersecurity.

The digital nomad lifestyle offers benefits like remote work and cultural experiences, but also challenges such as visa applications and financial transactions.

Title:

Content: 16 +
More news
More surveys
Taras Krishtanovich: “In Thailand, general relaxation is both good and bad ”
Former Surgut businessman about the experience of life in Thailand
Known in Surgut businessman Taras Krishtanovich not so long ago first left our city, moving to Moscow, and now 10 months living in Phuket.
Our editors contacted him to find out what it is like to become not a tourist, but a more or less permanent resident of Thailand.
– How did you leave Russia and why did you go to Thailand?
- The last two years I lived in Moscow, where I had a child, and last autumn we, walking around the city, realized that we do not want to spend the next six months in the cold.
I managed to get cold enough after living in Surgut for almost 40 years.
So I decided to go to Thailand for the winter.
They planned to return in March, and when all these events had already begun, they thought it would make sense to stay here.
In general, I have never considered Thailand as a place of permanent residence for a number of reasons - yet a developing country, Phuket compared to the center of Moscow - is not the most equal exchange in terms of service, capabilities, architecture and other parameters.
But after living here for six months, we realized that there are other interesting and important things, and in the current situation their role has only increased.
So I think the decision to stay here is the right one.
– What is the situation with such parameters as education and medicine?
- The child is now two years old, he goes to kindergarten, where he learns Russian and English.
In principle, kindergartens are for any budget - there are municipal, there is a more expensive one, there is a British School, in which the cost of a month is the equivalent of 150-200 thousand rubles.
That is, for every taste and purse.
Schools and universities are the same.
There are good ones, but they cost money.
But we must admit that if we talk about conditionally free education, it is on average lower than in free education in Russia.
Medicine is not very expensive, again, with clinics of different levels, but if you have insurance, then it covers the bulk of the needs.
In general, Thailand is a place for middle-income and high-income foreigners.
Having some wealth, you can find everything – kindergartens, schools / universities, and restaurants to your taste and budget.
– Are there any problems with legalization of stay?
Visas, residence permits?
– It is almost impossible to obtain a residence permit here, Thailand is reluctant to meet foreigners in this matter.
The only option is to marry someone from the local community.
Getting a different visa is no problem.
Visa-free stay is now 30 days, there is an option to make a student visa, but it is only so called, in fact - it can be language courses for a year.
There is a business visa if you open a company.
There are even “pension ” visas – for people aged 50 + with a certain amount of money in the account.
Of course, there are special visas for “digital nomads ” – IT specialists who come to the country.
In general, there are no problems with legal residence here.
- Many of those Russians who came to other countries after February, faced the problem of opening bank accounts and obtaining plastic cards, as ours one day stopped working.
How did you manage to do that?
- There was a certain moment of panic, but in principle everything is simple.
If there is a registration for three months or more, and it is given automatically when renting housing, then you can go to the bank and open an account with a card.
That's what I did.
– Was there such a thing as “you are Russians, we will not give you anything ”?
- No.
There is a bank that is loyal to all foreigners, it opens accounts even on short-term visas.
The rest of the banks require long-term – the same student or business visas.
And so everything is in order, money is transferred through SWIFT, there are other ways of transactions with Russia, too.
– How are things with the Russian-speaking community?
- It is, and very different.
Many people have moved in the last 10-15 years, they have formed a kind of "Brighton Beach" - they live by the rules and concepts of the same Russia, which they left quite a long time ago.
And in the last six months, a lot of new guys have come, and they're completely different.
Young people, IT specialists, representatives of creative professions, remote workers.
I was at the stand-up the other day, there was a hall for 200 people, mostly aged 20-35, and 90 percent of them arrived in recent months.
And this is a cool community, where there is no division into Russians, Belarusians and Ukrainians, and no one shouts nasty things in your back.
In general, Thailand is a country where people respect and appreciate each other.
Here you forget about aggression in principle, it is not customary to raise your voice, swear, be angry.
Everything is smooth, calm.
And the local community is also positive, there are a lot of cool people who are moving, opening startups and businesses, which is great.
By the way, if any of our countrymen are thinking about moving to Thailand - I am ready to share all the information that I have.
I can write to [banned in Russia and recognized extremist social network, which is not about pictures].
– In conclusion: what do you like the most in Thailand, and what is the most annoying?
I like a quiet life.
There is positivity and absolute security.
You can leave an open wound car, and nothing will happen to it, you can forget somewhere a thing, and you will definitely return it.
This feeling of security is relaxing.
The child goes for a walk, ten meters away, ten people will hug him, something will be given, they are very positive about children.
It ’ s great to feel safe in every way.
What you like is partly annoying.
People are relaxed.
They can promise something, forget it and not do it.
At first, it ’ s just a disaster – you make plans, and they don ’ t work because people just don ’ t fulfill their obligations.
And when you express dissatisfaction - sincerely surprised, they say, "Well, I did not or did not come - what is the problem?"
They don ’ t really understand where your frustration or anger comes from.
I was starting a company here.
It's actually pretty simple and takes two weeks.
But it took me two months.
Just because the locals with whom he worked on this issue, constantly forgot something.
“Do I need anything else? ”“ No, it ’ s okay. ”
Then I go, “Oh, you know, I had to do this, ”“ Okay, let ’ s do this.
Exactly everything? ” – “Exactly! ”
And then, “Oh, that ’ s what I ’ ve been asking. ”
It was really pissed off.
Perhaps the main negative point.
But the funniest and perhaps most terrible thing is that after a while you yourself become so.
Slowly, relaxed, you already say, “Yes, yes, well, ” and you can forget.
You fit into the local rhythm.
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Named the location of the left from Russia “digital nomads ”
Russian IT specialists are massively moving to the countries of South America.
The reason for the departure was a military conflict.
This is reported by the Financial Times.
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Professor of Columbia University ICESI Vladimir Ruvinsky said that over the period from February to June 2022, hundreds of residents of Russia moved to the states of Central and South America.
It is noted that the Russians chose this macroregion for the reason that a visa is not required to visit many of its countries.
In addition, extending the standard 90-day residence permit is quite easy.
Maxim Artushenko, manager of a startup in the field of e-commerce, said that the reason for moving is also the fact that some businessmen face problems doing business in Russia.
Those who could not open their business in the Russian Federation or were forced to close it, are trying to enter new markets.
His words are confirmed by the manager of the investment company in Dubai.
He said that since the beginning of March 2022, he has received dozens of requests from businessmen from Russia who intend to move their companies to South America.
He believes that a Russian technological hub is gradually being formed in this region.

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Kyrgyzstan eases visa regime for foreign investors
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Kyrgyzstan has significantly relaxed the visa regime for foreign investors.
According to the legislative amendments, now for investments in the economy of the state in the amount of $230 thousand you can get a visa for 10 years.
Previously, the maximum validity of a Kyrgyz visa was one year.
Kyrgyzstan eases visa regime for foreign investors
The adoption of amendments to the law on migration was announced by the Supreme Council of the Kyrgyz Republic.
The amendments soften the visa regime for foreigners investing in the state economy.
For investments in the amount of $116 thousand in dollar equivalent (10 million Kyrgyz soms), you can now get a visa for 5 years, for $230 thousand (20 million Kyrgyz soms) - for 10 years.
In August 2022, Kyrgyzstan adopted a program introducing a special regime for IT specialists moving to the country.
The status of a “digital nomad ” allows housing in Kyrgyzstan without registration and not to issue a work permit.
From October 30, 2022, visas for “digital nomads ” began to be issued by Portugal.
Holders of such a visa will be able to live in Portugal, working for business in another country.
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What are critical aspects of the digital nomad lifestyle?

Knowledge of visa and other legal requirements

What are critical aspects of the digital nomad lifestyle?

Knowledge of visa and other legal requirements

What are critical aspects of the digital nomad lifestyle?

Knowledge of visa and other legal requirements

Russian IT specialists can move to visa-free countries like Mexico and those in South America, where they can easily extend their stay.

Title:

Content: FT reports hundreds of “digital nomads ” from Russia in South America
“Digital nomads ” from Russia are moving to the countries of South America because of Western sanctions, writes the Financial Times.
Hundreds of Russian citizens have moved to Latin America in recent months due to relaxed entry rules and an uncertain attitude toward Western sanctions.
Maxim Artushenko, who moved to Buenos Aires with his family three months ago, told FT that “people working in the field of information technology or entrepreneurs ” usually come to South America.
These are Russians, “whose business has just begun to reach the world level ”, who faced big problems in their country.
Alexey Solovyov, managing director of an investment company in Dubai, told the newspaper that since the beginning of March he had received 40 requests from Russian entrepreneurs wishing to move their business to South America.
“These are not pre-seed companies, these are requests from established and sustainable companies that see opportunities in Latin America.
I already see how the Russian technology hub is brewing, ” he said.
Citizens of Russia do not need a visa to visit Mexico and all 12 countries of South America.
Extending the standard 90-day stay in these states is also fairly straightforward in practice, and Russians generally view Latin American societies as “liberal, diverse, and democratic. ”
According to ICESI professor Vladimir Ruvinsky, “hundreds of Russians ” have moved to Latin America in recent months.
He attributes this to “relaxed rules of entry and ambiguous attitude to Western sanctions. ”
Different citizens come to the continent: from doctors and software engineers to “digital nomads ” and workers in the construction industry.
According to the Russian Association of Electronic Communications (RAEC), 50,000 to 70,000 IT specialists left Russia in March, and another 70,000 to 100,000 people left in April.
Against the background of the outflow of IT specialists from Russia after the start of a military special operation in Ukraine, the authorities took measures to support industry employees.
In particular, they can get a deferment from conscription and arrange a mortgage on preferential terms.
At the end of May, Prime Minister Mikhail Mishustin said that about 85% of IT specialists who had left the country since the beginning of the special operation returned to Russia.
According to him, the measures taken by the government in connection with the current situation are “prompt responses to emerging challenges. ”
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What are critical aspects of the digital nomad lifestyle?

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Considering a move abroad in 2024? These are the best countries for expats

By Blane Bachelor, CNN

(CNN) — A new year is a fitting time to commit to big-picture goals — and for some, that can mean a dream of living abroad.

And thanks to the rise of remote work, new visa programs and tax incentives that entice digital nomads, investors and families, people considering an international move have more paths to explore.

Of course, the ability to move abroad is a privilege that extends only to people lucky enough to be in possession of the right passport, with doors remaining closed to many nationalities.

For those who have the option, the decision about which country to make your new home is a big one that requires extensive research and planning. Beyond the “I could live here!” daydreaming that might bubble up during vacation, moving abroad means a deep dive into tax implications, work visas, health care and quality-of-life comparisons, just to name a few.

One especially helpful resource is the annual Expat Insider survey by InterNations, an expat community with more than 5.1 million members. The survey, which has been running for a decade, reflects input from nearly 12,000 expats representing 177 nationalities in 181 countries or territories. It conveys their satisfaction level with various aspects of expat life on the basis of factors such as quality of life, ease of settling in, working abroad, personal finance, housing and language.

In addition, retirees can take advantage of resources including Live and Invest Overseas, whose annual index ranks its top 10 overseas retirement destinations. The 2024 index was released in early January, with Valencia, Spain, topping the list, followed by Braga, Portugal, and Mazatlán, Mexico.

It’s also important to consider the impact of your move on a new host country, especially in destinations that are seeing big upticks in immigration from the United States and other wealthy nations, says Megan Frye, a relocation consultant and writer who has lived in Mexico City for the past eight years.

Frye advises clients considering a move from the United States to Mexico — which has ranked among the top five countries in InterNations’ annual survey since 2014 — to be aware of the inequities in migration policies between the two countries.

“My focus with my clients is to be very clear about the gentrification problem that Mexico faces, and to give them an opportunity to think about what our role is in that situation,” says Frye, who is originally from Michigan. “I believe all people should be able to move freely wherever they want, but there’s a clear injustice considering how easy it is for US citizens to relocate to Mexico in comparison with the other way around.”

While there are dozens of destinations to consider for a move abroad to a new country, the following list prioritizes a range of expat-centric topics, including quality of life, affordability, safety and access to culture and outdoor activities. We’ve also included some of the downsides to consider, as well as info on how to make the move.

This list has general advice for people making the move from anywhere in the world, but focuses chiefly on US citizens.

Mexico

A longtime retirement destination for Americans, Mexico also has attracted more families and the digital nomad set over the past few years.

Mexico City — the largest in North America, with about 22 million people in the metro area — has been especially popular, and the capital’s population grew between 2019 and 2023 by 3%, about 600,000 people, according to The World Population Review. And from 2019 to 2022, the number of Americans who applied for or renewed residency visas spiked from about 17,800 to more than 30,000.

Elsewhere, cities including Oaxaca, San Miguel de Allende and Playa del Carmen are also havens for US expats, many of whom point to Mexico’s lower cost of living and relaxed lifestyle as strong draws.

Pros: Mexico ranked first in InterNations’ 2023 Expat Insider survey and has ranked among the top five countries since 2014. According to the latest results, expats appreciate factors such as the ease of settling in, a fulfilling social life and strong support networks. Mexico’s affordability and laid-back lifestyle also score high.

Cons: As with other global destinations that have received an influx of Americans as of late, some Mexican cities with large expat communities are experiencing pushback against foreigners.

Mexico also has a high crime rate. Homicide rates are nearly four times as those in the US, according to Mexico’s National Institute of Statistics and Geography. And those numbers may be even higher, since data from the Human Rights Watch suggests that an estimated 90% of crimes in Mexico are never reported.

How to make the move: Moving to Mexico isn’t as simple as packing a bag, hopping a flight and toasting to your new life over a margarita on the beach. Traditionally, valid passport holders from countries that don’t require a visa (including the United States) who are coming to Mexico for leisure or business have been allowed to remain in the country for up to 180 days. (They still must complete a visitor’s permit, or Forma Migratoria Multiple or FMM, at their port of entry.)

However, that amount of time is no longer the default, and the exact number of days allowed is at the discretion of the immigration official processing entry.

Mexico does not offer a digital nomad visa, but those considering a permanent move can look into a Temporary Resident Visa, which allows up to four years in Mexico. Meanwhile, official retirees can apply for a Permanent Resident Visa.

Portugal

Portugal’s popularity among expats has exploded since the country introduced its Golden Visa program in 2012. It has become the most successful of its kind, inspiring other countries to launch their own plans to attract foreign investment.

However, in the spring of 2023, Portugal made significant changes to the program, effectively ending the real estate investment aspect. It also changed its nonhabitual resident regime, says Alex Ingrim, a licensed financial advisor and president of global wealth management firm Chase Buchanan USA.

“Portugal’s a little bit harder of a place to immigrate to [now] if you want the flexibility of a Golden Visa,” Ingrim tells CNN Travel. “It’s not as attractive from a tax jurisdiction standpoint. And we’ve seen a lot of people kind of lose interest in Portugal frankly, and start planning for other jurisdictions in Europe.”

Pros: Portugal is tough to beat for its affordability, quality of life, year-round mild weather and high-quality health-care system. The cost of living is generally more affordable than most countries in Europe, and, according to Numbeo, the world’s largest crowd-sourced quality of life database, it’s 35.5% lower than in the United States. In addition, Portugal is the seventh-safest country in the world.

Cons: As is the case in Mexico and other countries with large expat communities, there’s growing backlash against the influx of foreigners, especially Americans, and especially in Lisbon. Critics say the resulting spike in rents and real estate prices has forced out longtime residents and changed the fabric of certain neighborhoods.

How to make the move: The Golden Visa program is still in place, although the country has now eliminated the real estate investment option. As Ingrim notes, Americans still interested in pursuing residency via that route “need to be really cognizant of how it affects their financial planning, how it affects their US tax obligations and whether it’s still kind of the best option for them moving forward.”

Spain

A gorgeous climate, one of the lowest costs of living in Western Europe, and vibrant, culture-rich cities and towns from the Mediterranean to the Atlantic: No wonder more Americans are eagerly proclaiming “Viva España!” for their next life chapter.

Madrid, Barcelona, Seville and Bilbao all boast large English-speaking expat communities, while the coastal city of Valencia is quickly gaining traction as a coveted spot, too: It ranked first in InterNations’ 2022 Quality of Life Index, and also topped the annual index by Live and Invest Overseas for 2024.

Pros: There’s mucho to love about Spain: modern cities and quaint small towns, high-quality universal health care and a world-renowned dining and nightlife scene, just to name a few.

According to the International LGBTQ+ Travel Association, Spain also is one of the most culturally liberal and welcoming countries for LGBTQ+ travelers. In 2005, it became one of the first countries to legalize same-sex marriage, and it hosts one of the world’s largest Pride celebrations, which draws some 1.5 million people every year.

Cons: English is generally not widely spoken outside of larger cities (and in the northeastern region of Catalonia, Catalan is the official – and often preferred by locals – language). The distinctly Spanish way of life also can take some getting used to for foreigners, as schedules for working, dining and socializing are later than American standards. The workday generally runs from 9 a.m. to 7 p.m., with a long lunch break during the afternoon siesta (during which time many businesses are closed), and Spaniards usually eat dinner no earlier than around 8:30 p.m.

Politics in Spain is also becoming increasingly more divisive (and occasionally violent), especially as the northeastern region of Catalonia continues its push for independence.

How to make the move: Several options exist for expats looking to relocate to Spain. Anyone with sufficient funds to support themselves and any dependents can consider the non-lucrative visa (or NLV), which is ideal for retirees and those who have other forms of passive income that originates in the United States. (However, you can’t earn income while in Spain with this visa.)

Spain also offers a digital nomad visa and an entrepreneur visa.

The Netherlands

This bicycling-obsessed nation ranked fifth in Gallup’s 2023 World Happiness Report, which assesses various indicators across life satisfaction and social and economic well being. It also topped Numbeo’s 2023 survey for quality of life.

More than 31,000 US citizens currently call the Netherlands home sweet home. The capital of Amsterdam is an especially popular spot, with its picturesque canals, historic architecture and relaxed vibe drawing a large international crowd.

Pros: For active types, it’s hard to beat the Netherlands’ world-class cycling infrastructure and culture – in fact, the country is said to have more bikes (fietsen) than people. The Netherlands also is known for its strong education system, with most education at all levels funded at least in part by the government.

One major tax advantage for expats: Highly skilled workers can apply for what’s known as the 30% ruling, a tax advantage in which they’re granted a tax-free 30% allowance of their gross salary for five years. However, the Dutch government recently implemented a cap on the amount of wages eligible for the ruling.

Cons: Compared with some other European countries, the Netherlands is pricey: Rents for unfurnished apartments hit an all-time high in November 2023, according to data from Statista. Outside main hubs, smaller cities and towns including Haarlem, Delft, Leiden and Maastricht are considerably less expensive.

In addition, income taxes are high, with a tax rate of 49.5% on salaries exceeding €73,031 (roughly US $81,135). That can come as quite a shock following five years of being taxed at 30% — which leads many expats to start considering their next move after their eligibility ends.

Finally, the weather — which is dark and rainy in the winter (conditions that make biking a lot less enjoyable) and constantly windy (there’s a reason for all those windmills) — can be difficult for some to adapt to.

How to make the move: The Netherlands does not offer a digital nomad visa, but you can apply for a long-stay visa, also known as an authorization for temporary stay (in Dutch, it’s MVV for short). In the United States, you can apply at the Netherlands embassy in Washington or at the consulates-general in Miami, New York or San Francisco.

Germany

Germany is the European Union’s biggest economy, and its strong job market and robust welfare system — not to mention heritage-rich cities and towns — are appealing for auslanders, especially Americans. According to the latest national figures, more than 121,000 Americans currently call Germany home. Berlin has an especially large international community of English-speaking internationals, but other hubs such as Munich, Frankfurt and Stuttgart also have strong expat communities.

Pros: Germany is a great fit for families, thanks to universal health care and social benefits such as a monthly kindergeld (“children money”) stipend, heavily subsidized childcare and generous parental leave.

In addition, compared with some other European countries, Germany’s freelancer visa is fairly easy to get, Arielle Tucker, a Switzerland-based certified financial planner, tells CNN Travel. She also notes that “one benefit that US citizens have over some non-EU countries is that they can apply for a Freelance Visa in Germany, as US citizens do not need an entry visa.”

Cons: Germany doesn’t have some of the same conveniences to which many Americans are accustomed, such as 24-hour grocery stores or drive-through pharmacies. On Sundays, most stores are closed (with the general exception of restaurants and bakeries). And the country’s bureaucracy can be maddening, with many government processes relying on official paperwork that’s delivered through the mail.

That popularity among auslanders has contributed to a housing pinch in major cities, especially Berlin, where finding accommodation is one of the most stressful aspects of a move. And beyond major cities, English is not widely spoken.

How to make the move: Germany’s skilled worker visa allows certain individuals with a qualifying degree or certificate a six-month window to search for employment in their area of qualification. Its self-employment visa is also fairly straightforward.

Singapore

Plenty of foreign nationals are singing Singapore’s praises: In 2022, this sophisticated city-state ranked third on InterNations’ Expat Essentials Index. It’s viewed as one of the top countries in which to live and work, thanks to a thriving job market, excellent education and health care, and one of the world’s best transportation systems.

Pros: Singapore is a top financial and investment hub in Asia, with excellent job prospects and economic stability. Foodies, meanwhile, will love its dazzling dining scene, from lively night markets to Michelin-starred restaurants. And travel enthusiasts can take advantage of easy access to one of the world’s most awarded aviation hubs, Changi Airport.

Cons: Singapore is very expensive, and some people may have trouble adjusting to its humid, tropical climate. It’s also a long way away from the United States — which can be tricky for visits home.

How to make the move: Singapore doesn’t offer a digital nomad visa, but those who have worked lined up can apply for an Employment Pass. Entrepreneurs interested in starting a business in Singapore can apply for an Entre Pass.

Costa Rica

Costa Rica’s abundant natural beauty, tropical climate and affordable cost of living have long appealed to expats looking for their own slice of pura vida, which literally translates to “pure life” and is both the national slogan and lifestyle. The Central American country has long been a popular destination for Americans.

Pros: Costa Rica has an excellent health-care system that consistently ranks high. It’s also one of the most sustainable countries in the world. Locals tend to lead healthy lifestyles, whether that’s surfing year-round or doing daily yoga postures on the beach.

In addition, Costa Rica offers some tax incentives that appeal to foreign  nationals. “Costa Rica only taxes income earned in the country, which means that non-Costa Rican pensions, investments, or employment income do not incur an additional Costa Rican tax burden,” David Lesperance, founder and principal of Lesperance & Associates, a tax and immigration advisement firm, tells CNN Travel.

Cons: Costa Rica’s laid-back lifestyle also can affect how business is done, and the tendency to show up late is often referred to as “Tico Time.”

In addition, some creature comforts may be lacking compared with what Americans are used to. In older buildings, for example, it’s not uncommon to throw toilet paper in bins instead of flushing it down the toilet. And thanks to its geography and location along the infamous Ring of Fire, Costa Rica experiences earthquakes, tsunamis and volcanic activity — it’s home to six active volcanoes.

One important note on the tax front: There is no tax treaty between Costa Rica and the United States, so claims on US tax returns for foreign tax credits or foreign earned income are more complicated for expats.

How to make the move: With the country’s new digital nomad visa, remote workers can stay in Costa Rica for up to a year with an option to extend for another year.

Panama

Often described as the Miami of Central America, Panama is a prominent financial and business hub linking North and South America. In recent years, it’s been drawing more Americans beyond just the retirement set.

Lesperance says he’s seen a notable bump in moves among high-net-worth clients with Hispanic heritage, as well as workers in the financial sector, who are moving there “en masse,” especially as Miami has become more crowded and expensive.

Pros: Year-round warm weather, a mix of cosmopolitan hubs such as Panama City and relaxed beach towns, and easy access to both North and South America make Panama an excellent option for frequent travelers. And one of the biggest advantages for Panama’s Golden Visa scheme is that it provides perpetual residency without requiring investors to reside there. Maintaining permanent resident status requires a visit to Panama at least every two years.

Cons: In 2023, the cost of establishing residence in Panama increased substantially, from $300,000 to $500,000.

In addition, because Panama also does not have a tax treaty with the United States, claims on US tax returns for foreign tax credits or foreign earned income are complicated, Lesperance notes.

How to do it:  Panama offers several types of investment opportunities that offer permanent residency and a path to Panamanian citizenship after five years.

The Panama Qualified Investment Immigration (or PQII) program, often known as the Panama Golden Visa, is a residency-by-investment procedure. The minimum investment is $500,000 (which increased from $300,000 in October 2022), which must be held for at least five years. Investors can qualify via real estate purchases, bank deposits or investing in funds.

Panama also has a retirement visa program. However, Lesperance notes that although the retirement route technically comes with Panamanian citizenship after five years, “in practice it is not straightforward. Therefore advantages of the PQII pathway versus the cost of a retirement visa are questionable.”

Italy

It’s hard to imagine a country that boasts a more universally romantic notion of living abroad, and thanks in part to the popularity of investment schemes such as the one euro homes that many small towns have launched, expats now have more options of fulfilling their dreams of la dolce vita.

Pros: Access to some of the world’s most popular tourist cities, picturesque countrysides and immersion in a culture that values family, food and wine — what’s not to love about Italian life? Italy’s health-care system is also good, and many expats give a big thumbs-up to the overall friendliness of Italians.

Cons: Prospects for employment in Italy aren’t as abundant as they are in other European countries. Beyond major cities, English generally isn’t widely spoken, and you’ll likely need to hire an attorney to help navigate legal processes such as purchasing a home. And be prepared for Italy’s infamously glacial government bureaucracy.

How to make the move: Americans who are planning to stay more than three months must get an entrance visa at an Italian consulate before arriving. Italy’s visa options include a long or short-term self-employment visa, or lavorno autonomo, and a start-up visa.

France

While the reality of living in France is drastically different from what’s portrayed on screen à la “Emily in Paris,” there’s still plenty to say oui! to: universal health care, highly valued work-life balance (remember all those protests in response to the French government raising the retirement age?) and some of the world’s most coveted food and fashion scenes.

Although it can be pricey, France also offers extensive social programs and benefits for residents: universal health care, for one, as well as numerous public holidays. The country scores well on InterNations’ indexes for quality of life.

Pros: Residents can take advantage of numerous social benefits, including universal health care, economic stability and numerous public holidays — not to mention a 35-hour work week. In addition to the excellent quality of life, from a tax standpoint “because they have some good treaties with the US,” Tucker says. “For example, they are one of the few countries where Roth IRAs are considered qualified retirement accounts and their tax-free nature is preserved. So even though the tax rates are higher, if you can do some pre-immigration planning, it can still be an attractive country for US expats.”

Cons: As Tucker notes, income and social taxes in France are high: up to 45% (and high-income individuals also may need to pay a surcharge of 3% on part of their income).

Outside of major cities such as Paris, Lyon and Strasbourg, the language barrier can be problematic if you don’t have a solid grasp of French.

How to make the move: Anyone looking to stay in France for more than three months will need to apply for a long-term visa. France does not offer a visa for digital nomads; instead, you’ll need a long-stay visa if you plan to work or study. There are several categories under France’s Carte de Séjour Residence Permit, each with various conditions and restrictions.

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What are critical aspects of the digital nomad lifestyle?

Access to healthcare
A plan for financial stability

Japan offers digital nomad visas requiring private health insurance and a minimum annual income of 10 million yen.

What are critical aspects of the digital nomad lifestyle?

Knowledge of visa and other legal requirements

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Income and property requirements
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He pointed out that the average price of a flight to Europe now exceeds 1100 yuan, and to Asia average more than 1800 yuan, an increase of more than 300 yuan compared with last summer.
5. Currency exchange rates
The Wall Street Journal reports that more and more retirees are choosing to settle abroad, in part because the strong dollar makes living abroad seem less affordable, but it changes over time and geography, taking into account the effects of long-term inflation. Exchange rates are not static and fluctuate at any time during retirement.
Medicare Retirement Rates
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Over 40 countries offer digital nomad visas with tax exemptions to mitigate multi-jurisdictional taxation.

What are critical aspects of the digital nomad lifestyle?

Knowledge of visa and other legal requirements

What are the criteria of the top 20 digital nomad locations?

A digital nomad visa program or the equivalent

The Comprehensive Avoidance of Double Taxation Agreement helps avoid double taxation, but digital nomads on tourist visas may need visa runs.

What are critical aspects of the digital nomad lifestyle?

Knowledge of visa and other legal requirements

Digital nomad visa applications require income and consider days stayed for tax residency.

What are critical aspects of the digital nomad lifestyle?

Knowledge of visa and other legal requirements

The OECD plans to complete a tax rule review for digital nomads by the end of 2023.

The OECD plans to complete a tax rule review for digital nomads by the end of 2023.

The OECD plans to complete a tax rule review for digital nomads by the end of 2023.