Kylie is a British Expat living in the U.S. and blogs over at Between England and Iowa.

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Kylie Neuhaus is a British expat living in the USA. She enjoys drone photography and writes about expat life, the USA Green Card process and finding unique, active adventures in England, Iowa and everywhere in-between. She’s a lover of all things adrenaline including paragliding in New Zealand, glacier hiking in Austria and camel trekking in Morocco.

 

In this episode we talk about:

  • Emigrating to the USA
  • The ongoing visa and visa extension process
  • The difference between a visa and a green card
  • Ideas for what to include in your cover letter when looking for a job as an expat
  • Solo travel as a married woman
  • Ways to earn extra miles with American Airlines
  • Differences between healthcare in the USA and UK
  • How loyalty to airlines may not be the best strategy

 

Resources Mentioned:

Between England & Iowa: A Year in the Life of an Emigrating Wife – Available in paperback and Kindle

AAdvantage Aviator Red World Elite Credit Card

Ryanair – cheap flights throughout Europe

Silver Lake Sand Dunes in Michigan

 

Kylie’s Articles: 

Turks and Caicos Islands: Things To Do In Providenciales

 

Connect with Kylie:

Blog: Between England and Iowa

Facebook: @betweenenglandandiowa

Instagram: @englandandiowa

Twitter: @englandandiowa

 

Thank you so much for listening, if you enjoyed this episode please share it!

 


To listen to more episodes of The Thought Card don’t forget to find us on your favorite podcast player – Apple Podcasts (iTunes), Google Podcasts, Spotify and Stitcher and leave us a thoughtful review. Also join our community over on Facebook – Financially Savvy Travelers.

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How the Delta SkyMiles Companion Certificate Saves You Money

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If round-trip tickets from New York City to San Francisco cost $317 per person (at the time of booking), how did I manage to only spend $345 for 2 round-trip tickets? I share this buy one, get one free deal and more in today’s episode!

Today we’re going to talk about the Delta SkyMiles companion certificate. If you don’t already know, the Delta SkyMiles Companion Certificate is one of the exclusive perks that come with the Platinum Delta SkyMiles credit card. As a card member, you automatically get a companion certificate every year you renew your credit card and pay the annual fee of $195.

To some this might sound steep but hear me out.

I love the Platinum Delta SkyMiles credit card because the companion certificate allows you to buy one round-trip main cabin ticket and get another round-trip main cabin ticket for free. You’re only responsible for paying the taxes and fees on the freebie.

Why is the companion certificate so beneficial?

Although the upfront cost is $195, the Delta SkyMiles companion certificate works great if you want to book a round-trip flight with your significant other, family or friend that costs more than the credit card’s annual fee.

Since most round-trip flights within the U.S. generally costs more than $195, you’ll reap the benefits right off the back by redeeming your companion certificate.

Remember the goal here is to offset the credit card fee so use the companion certificate on flights which cost more than $195.

How to find your Delta SkyMiles companion certificate:

Step 1: Log In to Delta.com with your Delta SkyMiles information.

Step 2: Navigate to “SkyMiles” → “Manage Your Account”.

Step 3: Next go to “My Delta” → “My Wallet”.

Step 4: Inside “My Wallet” click on “Credits and Certificates”.

Step 5: Select your certificate and go on to booking your flights.

Important things to remember:

  • The companion certificate can only be used on domestic flights within the contiguous 48 states. That means if you’re based in the states, no round-trip flights to Alaska, Hawaii, USVI or Puerto Rico.
  • The round-trip companion certificate has to be used on domestic main cabin or business class fares.
  • Both your ticket and your companion tickets has to be booked on the same flight.
  • You have to pay for taxes and fees of no more than $75 for domestic round-trip flights.
  • If you cancel your itinerary, you can’t reuse your companion certificate.
  • You must book and fly by the date listed on your certificate.
  • Can’t accrue miles from your companion certificate.
  • Can only claim this through delta.com.
  • You have to pay for these tickets with your Platinum Delta SkyMiles credit card.

Platinum Delta SkyMiles credit card perks:

  • First checked bag free on Delta flights.
  • Access to priority boarding.
  • No foreign transaction fees.
  • 2x Miles on Delta purchases like flights booked on Delta.com, seat upgrades and in-flight purchases. 
  •  

If you’re interested in the Platinum Delta SkyMiles credit card sign up and get 60,000 SkyMiles (equivalent to a round-trip flight to Europe) after spending $2,000 in 3 months. This is a limited time offer.

Not sure when to book the cheapest flights, check out Episode 5 where we chat about the latest airfare trends and the best times to book a flight deal.

What’s your favorite thing about earning and redeeming points and miles?


To listen to more episodes of The Thought Card don’t forget to find us on your favorite podcast player – Apple Podcasts (iTunes), Google Podcasts, Spotify and Stitcher and leave us a thoughtful review.

How to subscribe to the show?

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Travel Tips For Visiting Puerto Rico

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Eseosa “Sosa” Eke is a brand stylist and design consultant with a knack for helping real estate professionals, entrepreneurs, and small businesses build authentic and recognizable brands. At her nine to five, she runs the marketing department for The Bronx and Westchester’s largest privately held commercial real estate firm. Sosa is also my best friend and frequent travel companion. Over the years we’ve traveled to Bermuda, Iceland, and San Francisco together. This was Sosa’s second trip to Puerto Rico and my first.

In this episode we cover:

  • San Juan on a budget
  • Our travel styles – why we love short trips
  • Our favorite things about San Juan, Puerto Rico
  • What we would do differently next time
San Cristóbal, Old San Juan, Puerto Rico
Condado Beach, San Juan, Puerto Rico

Resources Mentioned:

Getting an Airbnb in San Juan is an affordable way to save on lodging.

Uber is also affordable, fast and convenient in San Juan.

Helpful Tip: There are no Ubers available from San Juan International Airport (SJU) only metered taxis. Our 15-minute taxi ride to our Airbnb (which cost $70 a night) in San Juan cost $26 which included tip.

Connect with Eseosa:

Email: hello@eseosaeke.com

Want to afford to travel more? Listen to Episode 2: Why You Need a Travel Fund and learn why having a travel fund is an easy way to start making travel a financial priority in your life.

Need help packing for Puerto Rico – grab my essentials packing list!



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The Thought Card Podcast Episode 3 with Christine Hasebrink Safari Guide

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Christine Hasebrink is an adventurer, entrepreneur and a passionate safari guide.

After studying international business administration in the Netherlands and Hungary, she began her career as a Marketing Manager at one of the world’s leading auditing and management consultancies in Germany.

In 2014, she followed her inner voice and left Germany to become a trained safari guide in South Africa. Since then, Christine travels the world as a business oriented digital nomad and runs her own business where she rocks marketing projects for companies around the world.

She is bursting with energy, loves getting inspiration from the African Bush and is constantly evolving while following her heart.

 

In the episode we talk about:

  • Why Christine Hasebrink left her career in Germany to become a safari guide
  • What is a digital nomad?
  • The pros and cons of being a digital nomad
  • Porto, Portugal as an affordable destination for digital nomads

 

Connect with Christine:

Website: https://christine-hasebrink.de/en/

Instagram: @christine_hasebrink

Email: post@christine-hasebrink.de

 

See you back here next time for tips for visiting San Juan, Puerto Rico!

 


P.S.

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Trading Stocks and Traveling Full-time with Teri Ijeoma

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This episode of The Thought Card was sponsored by Ally at #FinCon18.

After getting denied vacation time for the third time and having a friend pass away abruptly, Teri Ijeoma decided that life was too short to not pursue her dreams. Teri Ijeoma is an entrepreneur, day trader, and real estate broker who encourages people to become knowledgeable in stocks and real estate.

After lots of practice and taking a class learning how to trade in the stock market, Teri quit her job when she made enough money to replace her full-time income. Now Teri trades full-time and travels the world.

In addition to investing, Teri has over 10 years of experience in operations, logistics, staff development, non-profits, and education. Teri graduated from Massachusetts Institute of Technology (MIT) with her Bachelor of Management Science and got a Master of Media and Communications from Dallas Theology Seminary.

Teri shows us that if we put our fears aside, we can potentially add stock trading to our portfolio as a viable income source.

Sign up for Teri’s Trade and Travel course an investing course for people who are looking to afford to travel, pay down debt, or replace their income using the stock market.

In this episode we cover:

  • What is a stock?
  • What is a brokerage account?
  • How Teri transitioned from working full-time to making over $1,000 a day trading and traveling.
  • Ways to talk to your boss about pursuing professional development opportunities.

How to get started with investing?

  1. Teri recommends opening a stock brokerage account.
  2. Look for brokerages with low fees or no minimums like Robinhood.
  3. Learn how to trade by starting with fake money.

Other brokerages to consider include:

Resources Mentioned

Sign up for Teri’s investment stock market class where you learn how she makes $1,000 a day and the (4) secrets that leads to Teri’s investing success.

Connect with Teri Ijeoma:

Website: www.investwithteri.com

Instagram: @imaninvester

Teri Ijeoma Linkedin

If you enjoyed this episode also check out Episode 34 where I chat with Damien Peters, the founder of Wealth Noir about moving abroad to Spain and ways he’s building wealth.

Looking for the best time to book flights? Listen to Episode 5 for the best times to buy flights according to CheapAir.com.

See you next time for Episode 8 where I chat with Yasmine Bisumber about attending FinCon for the first time.

What’s holding you back from starting to invest in the stock market?


To listen to more episodes of The Thought Card don’t forget to subscribe!

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Episode 6: Yvette Morrissey from Wayfaring Kiwi and Accidental Adventures

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Yvette Morrissey is a 29 year old digital nomad from New Zealand. Every six months she packs up her possessions and moves to a different country. She is currently working and living in Edinburgh, Scotland.

Yvette is a budget traveler and over on her blog Wayfaring Kiwi she talks about her travels around the world, working remotely, and her random, crazy adventures including hiking over 500 miles on the Scottish National Trail.

In this episode we talk about how she quit her job in New Zealand, saved $8,000 NZD in 2 months (starting with no savings) and sold everything she owned to travel the world solo. While exploring Canada for 7 months she lived in a van where she saved a lot of money on housing and learned how to be comfortable with the uncomfortable.

Accidental Adventures

Yvette introduces us to the concept of “accidental adventures” and teaches us how being open and following your intuition can lead to creating some of the most amazing and unexpected life experiences.

Resources Mentioned:

Connect with Yvette:

Blog: https://wayfaringkiwi.com

Facebook: @wayfaringkiwi

Instagram: @wayfaringkiwi11

Twitter: @wayfaringkiwi

Are you an aspiring financially savvy traveler who wants to afford to travel more? Listen to Episode 2 to learn how to start a travel fund.


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Best Time To Buy Cheap Flights According to CheapAir.com 2018 Airfare Study

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Ever wondered when is the best time to buy flights? In this episode we pull back the curtain and take a look at CheapAir.com’s 2018 Airfare Study. This airfare study analyzes the latest airfare trends and bases its findings on 917 million flights listed on CheapAir’s website in 2017.


In this bonus episode we cover:

  • How many times flight prices change overtime.
  • Best and worst days to fly.
  • 6 booking window zones including the best time to book the cheapest flights.
  • Cheapest day to book a flight.

When is the best time to buy flights?

Based on this study, here are the important things you need to know:

  1. Airfares change every 5-6 days.
  2. Use price alerts (from SkyScanner or Google Flights) to establish a fight price baseline and track price fluctuations.
  3. When you see an amazing flight deal be ready to jump on it!

Do you have a travel fund? Check out Episode 2: Why You Need a Travel Fund to learn why having a travel fund is an important part of making travel a financial priority.

When do you book flights, super early or last minute?


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Timeshare Presentations and Owning a Home at 26 with Tiffany Grant

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Tiffany Grant is a self proclaimed money nerd and after years of giving impromptu advice to family and friends she started a blog Money Talk with T where she covers a wide variety of money topics from saving for retirement to paying off student loans.

On Money Talk With T – Tiffany offers practical tips and tricks to use in everyday life and she shows how to live below your means so you can retire comfortably.

By saving, keeping a close eye on her credit and living below her means, she bought a house at the age of 26 while being a single mom of 2 kids. She has aspirations of being debt free (beside her house) by the age of 30.

In this episode we cover:

  • The important things that people need to know about timeshares
  • The sales tactics and demographics timeshares target
  • Why we would go to another timeshare presentation (we love the perks)
  • Buying a house in your twenties
  • Tiffany’s favorite personal finance podcasts

Resources Mentioned:

Danielle’s Articles

First-Time Home Buyer Tips for Buying a House in Your Twenties

Personal Finance Podcasts: 

Ramsey Solutions Podcast: Listen to debt free screams and personal finance questions from live callers.

The Clark Howard Show: Find deals, frugal living, and other money-saving tips.

Stacking Benjamins: This show infuses humor into financial topics and is a good fit for those who know a moderate amount about personal finance.

Motley Fool Money: More advanced financial topics, specifically investing.

Connect with Tiffany:

Blog: https://www.moneytalkwitht.com/

Facebook: @moneytalkwitht

Instagram: @moneytalkwitht

Twitter: @moneytalkwitht

YouTube: Money Talk with Tiff

See you next time for Episode 5 where we analyze 2017 airfare trends.

Do you have a travel fund? Listen to Episode 2: Why You Need a Travel Fund and learn why having a travel fund is an important part of making travel a financial priority.

Have you considered buying a timeshare? Why or Why not?


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How to subscribe to the show?

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  2. Search for “The Thought Card”.
  3. Find it.
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Richelle Gamlam Teaching English in China

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Richelle Gamlam is a serial expat, travel blogger and spicy food lover who has spent the last five years living in China and traveling around Asia.

For more stories and misadventures, be sure to check out her blog Adventures Around Asia where she writes about Asia off the beaten path.

During her time in China, Richelle taught and worked in many different capacities.

As an oral English teacher she taught over 1,000 high school students at a Chinese public high school. She has also worked part-time at agencies teaching children, tutored pre-schoolers and even taught Business English to Chinese businessmen. Most recently she worked as a college counselor where she helped Chinese students get into U.S. universities.

Richelle has since quit her job to become a digital nomad exploring places, activities, and cultures most people miss in Asia.

In this episode we cover:

  • What inspired Richelle to study abroad in Beijing and Xi’an
  • Teaching English in China
  • Why teach abroad programs may not be the right fit for you
  • What is the TEFL certification?
  • Do you need the TEFL certification to teach English online?
  • Types of teaching jobs in China
  • Salary ranges for teaching in China
  • Spicy foods to try in China

Resources Mentioned:

Do I Need a TEFL to Teach Abroad in China?

TEFL Promo Code – Get 30% off with promo code “ASIAADV”.

Teach Abroad Mini Course: Teaching in China Made Easy

China Job Board


Want to teach abroad in China?

Here are 2 more valuable resources for you!

Join Richelle’s 3-Part Training Series.

  • Find a high paying job
  • Learn how to teach
  • Learn how to thrive in China

Join Richelle’s Facebook Community: China Teach Abroad Community.

This group is for you if you:

  • Want to teach in China someday
  • Are in the process of applying for jobs in China
  • If you’re already a teacher in China

Connect with Richelle:

Blog: https://www.adventuresaroundasia.com

Facebook: @adventuresaroundasia

Twitter: @adventures_asia

Instagram: @adventuresaroundasia

See you next time for Episode 4 where we chat with Tiffany Grant about timeshares and owning a home at the age of 26.

New to the podcast? Learn what The Thought Card is all about by listening to Episode 1.

Have you considered teaching abroad? What’s holding you back?


If you are getting value from The Thought Card, show me some love by subscribing and leaving a review! Podcast reviews are important because that’s how podcasts rank and get found more easily. It’s also how I can get awesome guests on the show like Richelle.

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The Thought Card Podcast Episode 2: Why You Need A Travel Fund

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Travel doesn’t have to be expensive but it does cost money. If you want to start traveling but know that in order to do so you need to make tweaks to your budget then the first thing that I recommend doing is starting a travel fund.

In this episode we cover:

  • What is a travel fund?
  • Why is a travel fund important?
  • How to get started with a travel fund?
  • Where to stash your travel savings?

What is a travel fund?

A travel fund is a powerful tool that you can use to help you save money for travel.

A travel fund is a dedicated bank account (checking, savings or money market) devoted to your travel savings and expenses. With a travel fund you’re intentionally saving money for travel and when it comes time to spend, you have a stash to pull from.

The point of a travel fund is to have money available for travel when you need it.

Why is a travel fund important?

A travel fund is important because it’s so much easier to save money for travel when it has its own home – a dedicated bank account separate from everything else.

#1 It’s a lot easier when you keep things separate

When you commingle funds you are less likely to achieve your goals. Even with the best intentions, it’s easy to overspend when all of your money is jumbled together in one bank account.

So if you ever have to pay for a flight or want to go on a spontaneous weekend getaway, you can tap into the funds you set aside specifically for travel expenses like flights, lodging, attractions and more.

#2 Avoids overspending

A travel fund can also help you avoid getting into debt and paying high balances on your credit card. At a glance you can check your balance and know exactly how much you have available to spend on travel.

#3 Keeps you grounded

A travel fund can keep your wanderlust in check and brings clarity to your finances.

Treat travel like a recurring bill

How important is travel to you?

If travel is important then consider treating it like a recurring bill. As a recurring bill you’ll set money aside for it every single month. Put travel right up their with your car insurance, rent and gym membership.

Make travel a financial priority in your life by including it as a line item in your monthly budget.

If you treat travel like a recurring bill you can potentially save hundreds or maybe thousands of dollars by the end of the year. It all depends on how aggressively you want to save for it.

How to implement it?

To do this, I recommend setting up a direct deposit with your employer. This way your money will get directly deposited into your travel bank account every time you get paid.

Helpful Tip: Don’t wait for the day after or even the week after to make this transaction, do it when you get paid.

The set up process is easy.

Here’s how to set up your travel fund:

  1. Figure out how much you want to save towards travel every pay period.
  2. Set up direct deposit with your employer.
  3. Go about your life – set it, forget it and watch it grow!

Now if you want to schedule additional automatic transfers after you get paid to accelerate reaching your travel goals, by all means go for it! I believe in you!

See you next time for Episode 3 where we chat with Richelle Gamlam about teaching English in China!

New to the podcast? Learn what The Thought Card is all about by listening to Episode 1.

Do you have a travel fund? Why or why not?


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Don’t forget new episodes drop every other Thursday.

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