Jean Galea

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When and How to Use Two Factor Authentication

Last updated: April 02, 20247 Comments

Two-factor authentication or 2FA is a way of making your logins more secure, by not only requiring a username and password when signing in, but also a special extra code that can either be received as an SMS or else generated by an app or device.

Most of you will already have used 2FA, perhaps without knowing so, when you log in to your internet banking. Most banks give out a 2FA device or card which stores some codes you are required to enter when logging in. This ensures that if someone guesses or cracks your password, they still won’t be able to login unless they are also successful in robbing your physical 2FA device.

I would use 2FA whenever it is possible, but I especially highly suggest using it on websites that contain sensitive information that can be used by a hacker to damage you or steal assets.

Here are a few popular sites to use 2FA on:

    • Social media (Instagram, Facebook, Twitter etc)
    • Crypto exchanges (Binance etc)
    • Amazon and other e-commerce sites that you use frequently.
    • Dropbox and similar platforms storing your files.
    • Email accounts (Gmail etc)

For a bigger list check out this site.

How to do 2FA

SMS is one of the most popular but least secure ways of doing 2FA, as sim swap attacks have become popular in recent years. It is highly encouraged to use an app or hardware device for 2FA when possible.

I like the Google Authenticator app and have used it for 2FA purposes. Another popular app is Authy, and it’s probably a better app than Google Authenticator in many ways, including the ability to use it on a desktop as well as being able to set it up on multiple devices.

There are also hardware devices that can be used for 2FA. Probably the most popular one is the Yubikey, while other competitors are Google Titan and Nitrokey.

If you are using the 1Password software, an even easier way to do 2FA is to replace Google Authenticator/Authy/Yubikey with 1Password itself. It has the ability to generate one-time passwords for 2FA purposes. If you wish, you can use both apps at the same time and see which one you like best, they will generate the same number so they are interchangeable.

Now it must be mentioned that using 1Password is less secure than using a hardware device or even an app like Authy or Google Authenticator. The reason is that if someone gets into possession of one of your devices and manages to enter your 1Password vaults using your main password (by guessing or other means of social hacking), they will not only have access to your usernames and passwords, but also to the 2FA codes. Then again, if you’re using a device for 2FA but you’re storing the backup words on 1Password, as many undoubtedly do, you will still run into this attack vector.

Here’s a website that serves as a guide to setting up 2FA on the most popular platforms and websites.

Filed under: Tech

🛒 The Best Discount and Deals Websites in Spain

Last updated: April 02, 20235 Comments

If you’re living in Spain you are spoilt for choice when it comes to deals and discounts websites. We have a wealth of choice for getting great prices on travel, house decor, experiences, clothes and much more. Let’s have a look at my favorite websites.

Privalia


Privalia is an online fashion outlet, with daily flash sales as well as other longer-term offers. They also have home & decor sections and the quality is generally good. They might have limited sizes available, but that’s just about the only downside. The delivery cost is a standard €6.95, but many offers include free or cheaper delivery options. Returns are also €6.95, and the items are picked up right on your doorstep. You have 14 days to return the products for any reason.

Shop for discounted fashion on Privalia

Zalando

While not really a pure discount store, Zalando is our favorite online fashion store. The fact that they offer free delivery and free returns is really awesome and takes away most of the hassle with shopping for fashion. Delivery is right to your door as is the collection service for any returns. This site also has an extensive offers section, which is why I’m listing it here together with the other discount websites.

Check out Zalando, with free delivery and returns

Groupon

You will find a very wide array of choices here. Do remember that if an offer seems too good to be true, there’s probably a catch. For example, a photography studio might offer a €19 photography session, but at the end, they will tell you that you have to pay another €40 in order to choose your own photos. I recommend sticking to the offers that don’t involve a 1-1 interaction; in that way you are minimizing the risks of being served differently from others who are paying the full price. Some examples of the offers that you can find here:

  • Gastronomy
  • Experiences (balloon flights, horse riding etc)
  • Car and motorcycle maintenance and servicing
  • Health and fitness tests
  • Home decoration
  • Services and tuition (diving courses, pet sterilization etc)
  • Products (juicers, furniture etc)
  • Travel

Before you buy anything, always do a quick search in Google and check the reviews. If you suspect that the original price and discount appear to be inflated, phone the service provider and ask for prices directly, that way you will identify and fake prices on the Groupon site.

Here are some other sites to consider…

  1. LetsBonus.com: Focused on offering the best local deals, LetsBonus provides discounts on restaurants, beauty treatments, and leisure activities. The website’s simple interface allows you to browse offers by city and category, making it easy to find the perfect deal for your needs.
  2. Offerum.com: Another popular deals website in Spain, Offerum.com features discounts on a wide range of products and services, including travel, dining, and shopping. With daily updates and time-limited offers, you’ll want to check back often to make sure you don’t miss out on a fantastic deal.
  3. Groupalia.com: Combining deals on local experiences with discounted shopping, Groupalia offers a unique mix of opportunities to save money. From weekend getaways and dining experiences to electronics and fashion, this website caters to a broad range of interests.
  4. Atrapalo.com: Specializing in travel and leisure deals, Atrapalo.com is the perfect website for those looking to save on their next adventure. With discounts on flights, hotels, car rentals, and activities, you can plan an unforgettable trip without breaking the bank.
  5. BuyVip.com: Owned by Amazon, BuyVip is another members-only shopping club that offers exclusive deals on a wide range of products, from fashion and accessories to electronics and home goods. With the backing of Amazon, you can trust the quality and authenticity of the items on offer.
  6. Restalo.es: If you’re a foodie looking for great deals on dining experiences, Restalo.es is the website for you. Featuring discounts and special offers for restaurants across Spain, this platform makes it easy to discover new eateries and save money while enjoying a delicious meal.

With so many fantastic deals and discounts available in Spain, you’ll never have to pay full price again. By exploring these top websites, you can save money on everything from travel and dining to shopping and local experiences. Make sure to bookmark your favorite sites and check back regularly for the latest offers, and enjoy the best of Spain without breaking the bank.

Do you have any other favorite discount and deals websites that are available to Spanish residents? Let me know in the comments section.

Filed under: Expat life

Buying Food in Spain – Supermarkets vs Local Markets and Specialized Stores

Last updated: March 15, 20224 Comments

In Spain, you have many options for buying food, but as you can imagine, there are significant differences between the options. Let’s have a look at these sources.

First up, you have the traditional supermarkets. The Spanish market is dominated by a few big supermarket chains:

  1. Mercadona
  2. Dia
  3. Carrefour

The closest version to an organic food store chain in Spain is Veritas, which is a very limited version of Whole Foods in the USA.

You then have the local markets. You’ll find several within the cities and usually bigger ones outside the city.

The cheapest prices are to be found at the supermarkets or local markets outside of the cities. You’ll have to drive to these markets typically as they are not so easily accessible by public transport.

Another option is neighbor cooperatives as they are called. Basically, a number of neighbors will group up and order products directly from the suppliers. These suppliers will then come once a week and deliver the products to one point after which they are distributed amongst the neighbor community.

I’ve found the prices in the markets found within the city to be significantly higher than those in the supermarkets, even though the produce is sometimes identical (for example imported bananas of the same brand). On the other hand, I prefer buying fish and meat from the local market or meat/fish shop rather than from the supermarkets.

Some good organic stores I’ve found:

  • Ametller Origen
  • Organic Market

You need to be very careful about the marketing companies use. Here’s something I recently discovered about eggs, for example. Here in Spain eggs are marked within a range of 0-3, with 0 being the most organic type of eggs, and 3 being the least.

Now consider this package of eggs:

What would you think about these eggs, that they are the most perfectly organic eggs right?

Turns out that when I opened the package the eggs themselves are marked with the code number 2, which means that they are from hens that have been brought up in warehouses and have never actually been outside. That’s a very far cry from what the package implies and even specifically says. I’m not sure how manufacturers are allowed to get away by this false advertising, but it sure goes to prove how careful we need to be when making our food purchases.

I’m still learning about how to find the best sources for healthy and organic produce, so if you have any insight I’d love to hear from you.

Filed under: Expat life

💶 The Best European P2P Lending Platforms in 2025

Last updated: March 17, 202593 Comments

Contents

  • Mintos
  • Lonvest
  • Swaper
  • PeerBerry
  • LANDE Finance
  • Bondora
  • Profitus
  • What about Other Platforms?
  • 🌍 Who Can Invest in P2P Lending Sites?
  • What Returns Can Lenders Expect?
  • Risks of P2P Lending
  • Alternatives to P2P Lending
  • ✅ Conclusion

European peer-to-peer lending sites

Amongst all the online investment platforms available today, European peer-to-peer lending sites are the ones that offer the highest returns.

Let’s have a look at how P2P lending works and which are the best European P2P lending sites.

Why do I focus on Europe? Simply because I am European and currently based in Europe. Most US lending sites, as well as some UK lending platforms, prohibit European citizens from investing, so this post focuses exclusively on those platforms that are available to all European citizens. The nice thing is that the majority of European P2P platforms accept international investors.

Another reason for focusing on Europe is that currently, the European platforms offer higher returns than those in the United States or Asia.

Without further ado, let’s jump straight into a list of what I consider the best platforms available nowadays. I will then proceed to talk about the P2P lending space in general for those who are new and want to learn more about this asset class.

The Best European P2P Lending Platforms

  • Mintos – read my review
  • Lonvest – read my review
  • Swaper – read my review
  • Peerberry – read my review
  • LANDE – read my review
  • RoboCash – read my review
  • Bondora – read my review
  • Profitus – read my review

Now let’s explore each of them further.

If you’re unsure which platform to invest in, one of the best things you could do is to check the platforms’ ratings on multiple channels. I’ve analyzed most of the platforms out there, used several, and taken a look at their Facebook, Trustpilot, and Google scores, so here’s the list of top P2P platforms in Europe at the moment.

I also keep an eye on the market data on European P2P lending every month, as this is an important indicator of whether any of the platforms are in trouble or whether they are in a healthy growth and profitability stage.

Mintos

Mintos European peer-to-peer lending site

Mintos is undoubtedly the powerhouse of European P2P lending platforms. Founded in 2015 in Riga, Latvia, Mintos has quickly grown to become the largest and most trusted platform in the region. It offers a plethora of investment opportunities across a wide variety of loan types, including personal loans, business loans, and mortgages. With more than 340,000 investors and a stunning €7 billion in funded loans, Mintos has established itself as the go-to platform for P2P lending enthusiasts.

The interface is great; everything is understandable and you don’t need to fish around for data. You get a daily report in your inbox and you can also use the auto-invest functionality, which I always do.

See also: My full review of Mintos – I invested €150,000

Mintos has a solid secondary market which provides investors with liquidity. If you want to sell off your loans at any point, you can put them on the secondary market, choosing whether to apply a discount (making them more attractive) or add a premium (less attractive). If you want to sell quickly, applying a discount is the best way to do this.

The minimum investment in any single loan on the primary market is EUR 10, DKK 80, GEL 25, PLN 50  or CZK 300. There is no minimum for investments in the secondary market.

You have to be careful when setting the auto-invest parameters on Mintos. Check out the Mintos lender ratings post on Explorep2p as well as the Mintos loan scanner to see which are the most trustworthy lenders on the platform.

The income earned at Mintos is taxed for each investor based on the legislation of the respective country where the investor is a tax resident. Each investor can receive extensive information necessary for tax returns when logged into their Mintos investor account.

You can add funds safely via your online banking directly in the app, by bank transfer, or with a debit/credit card. I recommend using N26, Wise or Revolut when doing deposits and withdrawals as you avoid fees altogether.

Companies can also invest through Mintos without any problem. There are specific documents that need to be provided in order to comply with AML legislation, but it’s pretty straightforward.

During the past three years, Mintos experienced significant growth, making it the peer-to-peer lending market leader for continental Europe with a 38% market share according to AltFi Data. Since their establishment, they have exceeded EUR 660 million in cumulative investments by investors and they expect the number of loans funded to reach EUR 1 billion by the end of the year.

Over the past years, Mintos have made considerable investments in technology, people and the marketplace, making the service even more convenient for investors. The number of investors has been growing in exponential numbers year on year. As an investor, this is reassuring, as I know I’m not alone using this platform, but I’m joined by tens of thousands of others like me.

On Mintos, you can expect returns between 6% and 18%, and the minimum investment per loan is €10.

Sign up to Mintos

Lonvest

Lonvest is a promising newcomer in the European P2P lending space, offering investors an opportunity to earn passive income through carefully selected loans. Despite being a relatively new platform, Lonvest has positioned itself as a serious player by focusing on transparency, investor security, and attractive returns.

The platform provides investors with access to loans that are backed by a reputable loan originator, ensuring a layer of protection against potential defaults. With a straightforward and user-friendly interface, investors can easily navigate their portfolios, set up automated strategies, and track their earnings in real time. Lonvest also offers competitive interest rates, making it an appealing choice for those looking to diversify their investment portfolios beyond traditional assets.

See also: In-depth review of Lonvest

One of the standout aspects of Lonvest is its commitment to building a sustainable and secure lending environment. The platform implements rigorous due diligence processes to assess loan quality and borrower credibility, ensuring that investors are exposed to well-vetted opportunities. Additionally, with buyback guarantees in place on many loans, investors have an extra layer of confidence when deploying their capital.

For those seeking a fresh yet reliable P2P lending option in Europe, Lonvest is certainly worth considering. Its combination of solid returns, transparency, and security features make it an attractive addition to any investor’s passive income strategy.

Sign up to Lonvest

Swaper

Swaper P2P lending platform

Swaper is one of the latest entries into the P2P lending space in Europe, having started operations in May 2019. They have found success pretty quickly though, amassing more than 4000 active investors, 160m euro in investments and 2.1m euro in interest paid back to investors.

See also: In-depth review of Swaper

I really like this platform and the team has been extremely pleasant to deal with whenever I contacted them.

Join Swaper

PeerBerry

PeerBerry Landing Page

Launched in 2017, PeerBerry has been gaining quite a lot of popularity among peer-to-peer platforms recently. As with many crowdlending platforms, PeerBerry originated in the Baltics – specifically Riga, Latvia.

This platform has an average annual investment return of 11.51%, a solid return for most platforms. With more than 18,000 investors and over €212 million in funded loans, PeerBerry is certainly making some waves in the peer-to-peer business.

See also: My in-depth review of PeerBerry

As with many peer-to-peer platforms, PeerBerry offers an Auto Invest function and a BuyBack guarantee. Unfortunately, however, no secondary market is available yet.

I really like this platform and its website. PeerBerry has the potential to be one of the big players in European P2P over the coming years.

Open an account with Peerberry

LANDE Finance

LendSecured investment opportunities

LANDE was started in 2019, when two experienced professionals from the secured lending sector Ņikita Gončars and Edgars Tālums became aware that there is a niche in the crowdlending market, as none of the existing market players offered low-LTV investment deals.

LANDE is going after the agricultural loans niche. There is currently a big gap between the financing needs of farmers in Eastern Europe and what’s available to them from banks and other lending providers.

Read more: My full review of LANDE

All projects are first rank mortgage, which is the most secure type of mortgage you can get. Other platforms offer second-rank mortgages which are riskier, but can have higher interest rates.

I would recommend having a look at LANDE as it might be one of the most innovative players in the space going forward. It’s worth mentioning that LANDE also has skin-in-the-game for every project launched.

Invest on LANDE

Bondora

Bondora review

Bondora is one of the oldest peer-to-peer lending platforms, and I joined early on in my P2P lending journey, around 2016.

While this platform has been criticized by investors in the past, my portfolio has been chugging along quite well over the years, and my only complaint would be about the graphics and UI of the platform, which I find really ugly.

Read more: My in-depth review of Bondora

I’ve obtained a return of 17% while investing on Bondora.

If you’re looking for a reliable platform I would recommend taking a look at Bondora, as they have one of the best track records in the industry.

Invest on Bondora

Profitus

Profitus review

Profitus is a Lithuanian real estate crowdfunding and investments platform that has been operating successfully since 2019.

Read more: My review of Profitus P2P lending

The platform acts as an intermediary between investors, who are looking to employ their free money and those who want to receive funding for business ideas and real estate projects.

Try Profitus

What about Other Platforms?

There are several other sites that I consider either a scam or badly managed and on the course toward bankruptcy and loss of investor funds. Be very careful who you trust when investing in these platforms.

Many people just want to paint a nice picture for any platform just to take in commissions, and the platforms themselves all try to emphasize how safe they are and what great opportunities they are offering to investors. Don’t believe everything, and check out my list of worst P2P lending platforms before you proceed.

If you’re concerned about the safety of P2P platforms, make sure you also read my post on whether it is safe to invest in P2P lending.

🌍 Who Can Invest in P2P Lending Sites?

These European lending sites are open to all European investors, possibly even those outside of Europe in some cases. The only exceptions are the UK-based platforms, which are typically restricted to investors resident in the UK. CapitalRise is one such example. It’s been around since 2005 but is restricted to UK-based people.

The majority of platforms that are open to other countries are based in the Baltic countries.

Many of these platforms are available in more than one language, precisely to cater for the fact that in Europe people speak so many different languages and might not be comfortable investing their money if the site is only available in English.

From my experience, at the moment in Europe, the country with the most investors in P2P lending is Germany, leading by a long margin. German investors love P2P platforms. Germany is a country where people have a high purchasing power and they are looking for good returns on their savings, and hence P2P lending platforms are a great match for them.

What Returns Can Lenders Expect?

The returns that lenders/investors can expect vary depending on the economic climate. If interest rates are low in general, then we can expect that platforms will offer lower rates as well. This is the current economic outlook worldwide. But 15-20 years ago bank interest rates were very high, so it would not have made sense to invest in P2P platforms when your savings account already rewarded you with 10% returns guaranteed.

Nowadays, you barely find any bank accounts giving you 1% returns, so the returns of 10-15% offered by P2P lending sites are way better in comparison.

It is important to understand that such investments are to be considered alternative investments with a rather high-risk profile. You will most probably have loans that default, but the idea is that the overall returns will eclipse these minor defaults.

Risks of P2P Lending

For each investment class, and indeed every investment you make, you need to carefully consider the risks involved. There’s a lot to say about the safety of P2P lending and what risks you need to consider, so I wrote a separate guide on whether P2P lending can be considered safe that you should find interesting.

Alternatives to P2P Lending

If, like myself, you want to diversify beyond P2P lending, I would suggest you read up on real estate crowdfunding platforms as well as crypto interest accounts. You can obtain similar rates of return (usually 3-4% less than P2P lending) but these other types of investors tend to be safer as they involve collateral.

✅ Conclusion

If you’re interested in trying out peer-to-peer loan platforms, I suggest you start with Peerberry or Swaper.

If you have any questions about any of the platforms I mentioned, or how the model of peer-to-peer loans works, please leave a comment and I’ll do my best to answer your questions.

Before you make any investment decisions, I also encourage you to have a look at how your country taxes proceeds from peer-to-peer lending. You can check out my article on how peer-to-peer lending is taxed to get started on this topic.

You should also read about the risks of P2P lending before making any investments, and make sure you are comfortable with that level of risk for the money you are putting into P2P lending platforms.

Have you invested in p2p lending platforms? What has been your experience with these platforms?

Filed under: Money, P2P Lending, Top Post

🇪🇸 Spain – The Best Quality of Life in Europe

Last updated: January 06, 202120 Comments

spain

One of my close friends sent me an email recently to tell me that he was considering moving to Spain from the UK following the UK’s Brexit vote and how things are developing over there.

He is already an ex-pat, having moved away from Malta with his family a few years ago. Moving is no easy chore, so I felt bad for him having to deal with this after having moved just a couple of years ago. Clearly, his original intention was to stay in the UK and himself and his family had been feeling happy and settled. On the other hand, I also felt excited about having been asked to share my experience of living in Spain and possibly welcoming him and his family here in the near future.

Since I’ve been planning to write a post about living in Spain for quite a while, I decided to hit two birds with one stone and do that as I think it will be helpful for my friend and for others who are also considering this move.

Before we even delve further, I must emphasize the fact that the choice of where to live is a very personal one. You might love a country or city that your wife or children will absolutely despise. Your preferences might also change in a few years’ time. For example, I absolutely loved living and studying in England in my early twenties, and there’s no other place I would have chosen if I were to do it again. On the other hand, now that I’m in my thirties, I definitely think that there is no better place in the world than Barcelona. In my late twenties, I also spent a few years being a digital nomad, and again, changing countries every few months was the best thing ever for me at that stage. I don’t feel any inclination to do that at all right now.

If you’re lucky, you will be able to move to a place that your entire family agrees upon. In my case, both I and my wife felt very deeply that Barcelona was the right place for us at this stage of life, so it was an easy decision. Not to mention, that if you’re in the position of choosing which country to live in, you’re already one of the privileged ones, as most people can’t move so easily.

With that out of the way, let’s shift our focus to Spain. I’ve already summed up the main reasons why I love Barcelona in a separate post that I wrote a couple of years ago. It’s a good place to start in order to understand why we moved here.

Over the years I’ve had the chance to visit many parts of Spain, although there are still many places I want to visit. Apart from Barcelona, I’ve also lived in Mallorca. The first thing I would mention is that Spain is a very diverse country. Each region has its own personality. The southern cities like Seville, Toledo, and Granada have a totally different vibe to Madrid, which in turn is really different from Barcelona. Then there is the Basque country up north, with their amazing food and beautiful seaside town of San Sebastian. Along the East coast, you will find Costa Brava with some truly breathtaking landscapes and great small coves. Barcelona and Girona are two great options if you want to move here.

Further down south one finds Costa Blanca, with many long sandy beaches and tourist resorts. This is really not one of my favorite parts of Spain, mainly because it caters to cheap tourism with all the negative effects that brings about. I do love Valencia and Tarragona though. Many expats decide to make Javea their home, and I’m curious to visit and see why it’s so popular. The Balearic islands are world-famous, and I really enjoyed my time in Palma de Mallorca. The only downside is that the winter months tend to be a bit too quiet, as these are places that live and breathe tourism. In the summer months, things really get going and there’s lots of stuff happening. One should also keep in mind that the Canary Islands are also part of Spain. I haven’t been there yet but I’ve heard a lot of good things. I don’t think I would consider living there though simply because they’re a bit too far from the rest of Europe, and I really value having the facility to travel easily within Europe.

Barcelona has its own way of life really. Quite apart from the independence debate and whether it’s a good thing or not for Catalonia, I do feel that Barcelona provides a totally unique offering for expats. Let’s start with the integration factor. I recommend learning Spanish before you move here, or start learning immediately once you’re here. While Catalan is widely used by the locals at home or with friends, it’s not that common to have opportunities to speak it in daily life. Still, I am making an effort to learn Catalan too to further integrate. With a decent command of Spanish, you will find it very easy to integrate, it’s that kind of city that makes you feel very welcome. People are very friendly and live a very outdoors-based social life, so you will find plenty of opportunities to make friends.

Spain, as we all know, has passed through tough times due to the famous crisis, but the major cities now in full swing and property prices are shooting up. This is one of many encouraging signs that the worst is already behind us and there is a lot of growth and good things to come. It can, therefore, be a good place to invest in. I’ve already written about investing in local property through crowdfunding platforms. Actually living here puts you more in tune with the emerging opportunities, so far anyone who is business-minded and wants to profit from the city’s growth, it’s a great place to be.

One thing I dislike in Spain is the current trend towards populism coupled with negative sentiments against entrepreneurship and “rich” people. I put the word in inverted commas because people have some skewed notions of who the rich people are. Basically, anyone not on a basic salary here is considered to be rich, and that means that anyone who works hard at his job and earns a top position, or even many entrepreneurs, get automatically classified into the “evil rich” category, even though they may be earning just a few thousand more than the average salary here.

Moreover, what really disappoints me, is that instead of the Spanish adopting an attitude of working harder and trying to achieve more success, they just resort to barely doing their jobs and hating those who have worked hard to be in a better position. There is no “American dream” culture here, and that is one of the main reasons why the country never advances to being a true market leader with efficient and productive workers and low unemployment. People prefer to cheat by working in the black economy and hating on anyone who is successful.

This is being reflected in the governments that people are electing, and ideas such as the Catalan independence drive. It’s easier to just blame the rich for all the problems and implement measures like higher taxation and rent controls (both proven to be bad solutions throughout history) while the real rich people continue to be unaffected and perhaps get even richer. Unfortunately, Spain is not unique in these kinds of mentalities, the whole Southern basin of Europe seems to be plagued by these ideas.

Notwithstanding that, I still think that right now Spain is definitely ahead of any other country in terms of living quality for me and my family.

What about other countries?

Many of you know that I’ve visited many countries, and I often get questions about why I didn’t consider living in these other countries/cities. In most cases, it’s not so much that I didn’t consider it, but rather that I did consider it but Barcelona still came up tops. Here are a few of the ones I get asked about frequently, and my reasons for me not considering them to be an ideal place for us:

Thailand (Chiang Mai) – Terrific country. Incredible nature plus friendly and welcoming people. I loved being immersed in such a different culture from the one I grew up in. It challenged me in many ways and helped me grow in my understanding of myself and humanity in general. Perhaps its biggest attraction is also the biggest disadvantage: we could never settle there and integrate completely with the locals. We would always stick out like a sore thumb by the very way we look, not to mention our mannerisms, jobs, outlook on life etc. Perhaps if one were to marry a Thai, things would be different, but for us, this was the main point that made it unsuitable. In addition, the fact that it is so far from Europe and that it is very difficult to obtain a visa to live and work there.

United Kingdom – Life in the UK is pretty good, we considered living in one of the major cities such as London or Edinburgh. I love visiting these cities, and they have an incredible vibe going on, especially London. The startup, finance and tech scenes are world-class and you can pretty much do anything you fancy. With such a multicultural population, fitting in wouldn’t be a problem. Airport connections are easy and a huge plus for living there. The big downsides are the weather, cost of living, and now the Brexit uncertainty.

Germany – In general, I love the German ethic of doing things the right way and in an efficient manner. The cost of living is higher than in Spain and there is a significant language barrier, although English is also widely spoken. In the end, it pretty much boils down to weather and my feeling more comfortable having the sea close by. Perhaps not the most convincing of reasons, but keep in mind that many Brits and Germans do move to Spain purely for the weather.

Netherlands – I haven’t spent much time in the Netherlands but I really like this country. People also have a very professional way of conducting business. Within the WordPress space, I know many great developers and companies based in the Netherlands. The first WordCamp Europe was also held there. Nature there is beautiful and it is one of the best places for using bicycles. I can’t think of any negative thing about the Netherlands. Of course, there is a language barrier if you really want to integrate, but I’ve found Dutch people to be some of the best English speakers in Europe. It’s not their native language but they speak it as if it were so. Ultimately, however, if good weather plays a big part in your decision, Spain will definitely win over the Netherlands.

Portugal – Lisbon is one of my favorite cities in Europe. It’s up and coming and I think there’s a lot more in store for it. It has a similar vibe to Barcelona but on a smaller scale. The Portuguese tend to speak better English than the Spanish, so that might be a good point to consider if you don’t speak either Portuguese or Spanish. If I had to leave Barcelona for some reason, I would probably go to Lisbon. The one thing that really makes Spain a winner over Portugal at the moment is that it is a much more advanced country overall, and one of the big players in Europe. Portugal in fact has a problem with lots of its young people moving abroad to get a better education and better job opportunities. Here’s what a young Portuguese had to say about this:

18 year old Portuguese answering here. I’ll be straight and hide nothing in my answer. I turned 18 two weeks ago. I’ve always lived in Portugal. And not gonna lie, Portugal was an awesome country to grow up in. I will always feel grateful for having been raised with no security problems, access to school, medical care, food, good history & culture (part of it) and very good weather the biggest part of the year. But truth is, and I started confronting myself with that reality 4 years ago when I first went abroad, nowadays Portugal is really in the back compared to other countries. There’s so much things that need to be update, so many conflicts to be solved, and the government’s priorities (not only the current one, but all the governments I was alive to see working) are not well defined. In September, I will start my last year of high school. But I will also start my university application to the United Kingdom and to Denmark. And once I go, I don’t intend, right now, to go back after I conclude my studies. I don’t feel Portugal can give me a future. At least a future where I can be financially independent from my parents while I’m still working or where I’ll have a chance to get a job once I finish university. It’s sad to see my own country loosing the young people everyday to other countries, seeing the population getting older in the stats and the newborn’s stats also decaying more and more every year and seeing the government doing something useless or even nothing about it. I’m really grateful for the childhood Portugal offered me but it can’t give me a future and I have to be the one fighting for it, somewhere else. Maybe I’ll be back someday. When I’m older, have a good job, my life organized and with stability. But for now, I will belong to the stats section of young people who went to get superior formation in other country and probably will end up staying there.

This feels a lot like my experience of growing up in Malta and partly why I left that country. It also suffers from a high degree of corruption and loads of bureaucracy.

On the plus side – it’s much easier to find English-speaking locals, and most importantly the government is actually incentivizing foreign entrepreneurs and investors to relocate to Portugal, mainly through the NHR scheme. Spain’s politics and anti-entrepreneur feeling has been growing and for this reason I wouldn’t be surprised if Portugal eventually overtakes Spain as the country of choice for entrepreneurs wishing to relocate for better weather and taxes.

What about Malta?

So that brings us to my country of birth: Malta. I grew up there and left in my mid-twenties. The Maltese Islands consist of three islands that are blessed with great natural beauty. On the other hand, there are several important factors that eventually led me to leave. I consider it a place where you can live for a short while, perhaps as a digital nomad, but I don’t think of it as a great place for a young adult or even when thinking of educating my children there. The big thing it has going for it is a strong economy and that English is one of the native languages (the other being Maltese). If you want to educate your children in the public system and avoid spending money then Malta is probably a great option since they would be taught in English, and that’s pretty unique in Europe.

Wrapping Up

All I can say that Barcelona is a fabulous place to live in. There is a bit of everything here. I’ve been lucky to meet some incredible people here that have helped me grow in many areas. I’ve discovered a sport (padel) that has become a big part of my life, and I am genuinely very happy to be living here. I’d be happy to answer any questions you have about anything I mentioned in this post, so fire away in the comments section.

Filed under: Expat life

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Jean Galea

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