Retirement; like your parents, but way cooler
In 1991 Billy and Akaisha Kaderli retired at the age
of 38. Now, into their 4th decade of this
financially independent lifestyle, they invite you
to take advantage of their wisdom and experience.
Guidelines for Travelers
Billy and Akaisha Kaderli
hit the road, Jack!
Keeping your essential personal and finance information safe while on the road should be at the
top of your list. Losing your passport or credit card while traveling means
you are in for some serious inconvenience.
Recently, a guy I met in
Panajachel, Guatemala was having numerous problems
getting money because he lost his wallet with both of his ATM cards inside.
Eventually, he will receive replacement cards, but only after personal
aggravation and the disruption of his daily schedule.
This got me to thinking. Since we don't want this same situation to happen
to you, we put together some useful points to consider. Take advantage of
what we know!
Rules of the road
Make copies of your passport and put the copies in separate locations for
safekeeping. Also carry one on you in your travel bag or wallet. We made
laminated passport cards the size of a credit card which we carry with us
and our copies are hidden in other places.
Debit ATM cards
Open more than one bank or brokerage account and have ATM access to them,
plus a couple of credit cards. Ladder the expiration dates so that all of
your cards are not expiring at the same time. We try to stagger the years so
as one card expires we have another until we can receive the new one. As the
same with your passport copies, place the ATM cards in different locations
amongst your gear or in a room safe.
It seems the days of Visa sending you a replacement card to some tropical
island is over. The bank will send it to your address of record, but then you
have to have someone DHL or FedEx it to you. This can be nerve wracking if
you are short on funds.
This is why we recommend always having a few hundred US dollars stashed in a
safe place. The worst that can happen is that you never need it. Dollars are
taken everywhere and can get you through a tough time if necessary.
holiday is coming up, sometimes ATM machines will run out of money due to
their heavy use. We recommend that you take out an extra withdrawal in the
event the machines go empty or in case something else comes up, like the
power going out. The extra cash will get you through the holiday with ease.
Skype or Google Voice
Open an account with Skype or Google Voice and be familiar with it. If your
cell phone stops working, or worse gets stolen, you will have communication
with your bank and family members if necessary.
Carry a Doc Box
This does not need to be extensive. Elementary things like Band-Aids,
Aspirin, antibiotics, and Imodium can get you through the night until you
can find medical care.
If you are on special medications have a list of them in your wallet, as
well as an emergency contact number in case of an accident.
These simple steps can prevent a needless nightmare while you are on the
road, and help you gain your wits much quicker.
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About the Authors
Billy and Akaisha Kaderli are
recognized retirement experts and internationally published authors on
topics of finance, medical tourism and world travel. With the wealth of
information they share on their award winning website RetireEarlyLifestyle.com,
they have been helping people achieve their own retirement dreams since
1991. They wrote the popular books, The
Adventurer’s Guide to Early Retirement and Your
Retirement Dream IS Possible available on their website
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Early Lifestyle appeals to a different
kind of person – the person who prizes their
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time, and who doesn’t want to mindlessly
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