Greetings from a millennial :) – My finances!

Q&A with a Reader

Hello Billy and Akaisha!

I hope you two are doing well! I just listened to you guys on the World Wanderers podcast and loved your story! Retiring at 38 is so unheard of and I’m so happy for you guys, that you’re doing what you love, 25 years later! I was inspired by your story, especially in how you both prepared for such a huge undertaking.  The reason I’m emailing is because Billy said he wanted to share his financial knowledge with millennials so here I am 🙂

So my husband and I are both working good jobs in San Diego making good money and have been for the past 2 years, and will continue to do so for the next 3 years. After that, the plan is to travel for maybe 1-2 years, to have adventures and to both volunteer and work abroad. I’m not sure exactly how long I’d like to do that, ideally indefinitely, but as of right now the plan is to go back to the states and continue working and putting money into our 401k.

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I’m very glad I heard your podcast because I liked hearing that you actually planned for 2 years before you quit your jobs. I hear all of these stories about young people quitting their jobs and traveling, though most of them either return back to work or stop traveling because it isn’t sustainable. One of the biggest issues that no one talks about is retirement  or a long term savings plan.

I’m 30 now, so I’m not fresh out of college or anything and I don’t have that much saved in my retirement. (I never understood it and only put the minimum match of 5% into it-I’m still only putting 6% into my 401k). So I’ve decided to not quit my job right now, but instead, to give myself 3 years to get my finances in order, save as much as possible, and plan our big adventure.

Billy mentioned that millennials should save and invest into index ETFs. For someone like me, who doesn’t really know what that means, I was hoping you could elaborate. As in, what percentage of your income (or 401k) would you recommend putting into ETFs? Do you have any recommendations on what else to invest in, like the bonds?

Another huge concern I have is how much to put into my 401k. Do you have recommendations on that? Did you guys try to get to a certain amount before you quit (or assume you’d need a certain amount to live off of for the next 50 plus years)? I have some savings in the bank that I really don’t know what to do with. Just throw it all into my 401k? Use all of it to invest into index ETFs? Use it for the big trip?

Knowing that I’m going to be quitting my job in 3 years, I’d like to use my savings wisely, and get my 401k ready. But if I’ll only be 33 by then, so I definitely won’t have enough in my 401k to retire – not that I’m necessarily trying to do that, but I guess overall I’m just interested in whatever recommendations you have on planning for something huge like this. I am definitely curious about what you guys did during that 2 year period and what I might be able to learn about and look into during my planning period. Please let me know if you recommend any books, websites, or articles, anything that may help me prepare for the scariest and also most exciting part of my life.

I so appreciate you taking the time to read my little bio, fears, and concerns. After hearing a bit of your story, I knew I had to get in touch with you guys so thank you for sharing it on the podcast. I’ve already learned something from you both, which is that it’s possible!  Especially if you have the right plan.

I look forward to hearing back from you and thank you, thank you, thank you for your time.

Sincerely,

Alexa

Hi Alexa,

Thanks for taking the time to write and we applaud you for taking control of your finances at this time in your life.

One of the first things I want to say is that Time Is on Your Side.

I might mention that in the 2 years we took to prepare for our early leave from the working world, we figured out how much money per year and per day we were spending on ourselves, minus the cost of working. We knew that we would not have the house payment either, nor would we be driving our car all the time, so we subtracted those amounts out. Eventually, we became Car Free saving thousands of dollars a year on transport.

The categories of highest spending in any household are housing, transportation, taxes and food/entertainment. If you make adjustments in any of these categories, then you will “find” more money to save and invest.

We tracked our spending and found out how much we needed to have in investments to generate that kind of annual expense. Experts say to have invested 25 times the amount of annual spending and that should do it. If you take out the safe withdrawal rate of 4% per year (leaving 6% to reinvest and cover inflation) you would not run out of money.

We then created a “Money Machine” mainly investing in equities – A money machine that grows faster than our spending and inflation. At your age we had 100% in equities and your risk tolerance may vary but I believe the stock market using Index ETF’s is the way to do this. As we aged, now 63, we have backed off a bit from the heavy exposure to equities, and currently are at 50%.

We cannot specifically tell you how you should invest as everyone is different, but in my opinion, you should increase your stock market exposure using VTI, Vanguard Total Market ETF.

An ETF is like a mutual fund that trades in real time as compared to receiving the closing price of the trading day like mutual funds. And they are very low cost to own. We currently hold VTI, SPY and DVY.

As far as adding to your 401K, sure, and you can use the same VTI for this. Money that grows tax deferred is a plus. In fact try to invest as much as you can both inside and outside of your tax advantaged accounts. Time is your greatest asset….. Use it.

When we retired in 1991 the S&P 500 Index closed at 312.49 and as of this writing it is trading at 2100 which is roughly a 7.8% average gain per year plus a couple percent for dividends.

I hope this helps and you, too, can gain financial independence.

Let us hear from you if you have any further questions.

Regards,

Billy

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Millenial Wants to Create Financial Sustainability

Q&A with a Reader

Hi Billy and Akaisha ,

I just heard your interview on Nomadtopia radio. I was an interviewee a few interviews back 🙂

Great to hear your story; you inspire me!

I’m a 30 year old with a giant nest egg left to me by my grandparents when I was a baby.

I’d love to consider early retirement and look forward to reading your newsletter and learning more about your journey and resources.

Thank you so much for your inspiration!!!

Louise

Do not let Fear make your decisions for you. Risk has a price and so does security.

Hi Louise,

Wonderful to hear from you! Thanks for taking the time to write and to let us know you enjoyed the interview.

You have been given a tremendous gift from very thoughtful and forward thinking grandparents. I would certainly recommend the following articles from our site and a couple of our books to help you put your gift to work for you.

We think that becoming financially independent is one of the best things you can do for yourself and for the world.

When you are financially sustainable, you are no longer a wage slave, you no longer have to put up with a tyrannical boss, a bad personal relationship due to financial fear, or have to live in an area with unattractive weather just to keep your job. You become a free agent and can utilize your talents to the best of your ability anywhere in the world. You can invent a product or service to benefit humanity without the financial pressure of making your mortgage. You can volunteer your time and expertise to the many people all around the world whose needs are so great. Personal creativity can thrive.

We wish you the very best in your life!!

Here are some good articles for you to read – please feel free to write and ask any questions if you have them.

Best Regards,

Akaisha and Billy Kaderli

How to Create Financial Sustainability for Yourself

Imagine

Create a Money Machine

The Adventurer’s Guide to Early Retirement, A Common Sense Approach

Your Retirement Dream IS Possible

Annual Spending Update

Preferred Links Pages

 

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Easy strategies to apply in order to have a quieter and deeper sleep

By Charlie Brown

If you snore, you should be aware that this is not a strange condition; forty five percent of normal adults snore at least occasionally. If you have a spouse, there is a major likelihood that there have been some relationship issues arising because of your snoring. This condition even though it might seem small, has the potential of bringing up serious marriage issues. It can even  escalate  to a point  where you two can no longer sleep in the same room, so separate bedrooms seems like the most fair solution for both of you. Snoring is not only an annoying condition, but seventy five percent of people who snore also suffer from a condition called obstructive sleep apnea. This condition is where breathing gets interrupted as you sleep, for only short time periods. This is a serious experience and if it is not treated in its early stages it can result to a greater risk of developing heart disease. It is very crucial that you do not just treat yourself with any spray and pill that is available over the counter before you consult your doctor. You should take caution in this area because there are many stop snoring aids and devices that are brought to the market even before scientific experiments are performed to support what they claim. You can instead try some natural remedies and lifestyle changes that will help you overcome the snoring condition. Here are some of them;

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Change your sleeping position.

Your sleep position could make you more likely to snore. When you sleep lying on your back, the base of your tongue and soft palate will collapse to the back wall of your throat; this will cause a vibrating sound as you sleep. It will be more helpful for you if you consider sleeping on your side instead. If you acquire a body pillow, this is a full length pillow that is designed to support your entire body; you will have an easy solution on how you can comfortably sleep on your side. There are other methods to ensure you sleep on your side, which may seem absurd but are proved to work well. One you can do is taping tennis balls to the back of your night garment; this will cause you to feel immediate discomfort when you begin to roll over. You can also modify your bed by reclining it with the head up to open up your nasal passage.

Open nasal passages.

Just like a garden hose, the narrower the hose the faster water goes through it, your nasal passage works similarly. If your passage is clogged due to flu or another blockage, you are more likely to produce snoring, because air is moving fast in your nose and vibrating the tissues faster. There are very good devices that can be purchased to open up your nasal passage, you can visit websites like https://goodmorningsnoresolution.com/ to get aids that will help you to effectively overcome this condition.

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Preparing for Retirement; Overwhelmed by it all

Q&A with a Reader

Hello Billy and Akaisha,

You guys are no doubt inspiration that most people seek. My husband and I are no different. I was hoping you could help us with some advice on how to go about doing what you’ve done so successfully a long time ago.

Some insight into where we are right now. My husband just turned 68 years old and is still full time employed. I am 18 years younger and full time employed as well. Neither one of us makes great deal of money. Our current expenses are high (living in NYC area) and we’re forced to dip into our 401K pretty much continuously to maintain our lifestyle. I know this is not sustainable.

I also wish to be able to have my husband finally retire…

I obviously have no means to go and check every single retirement destination I might think will suit our needs, so how do I decide then?

Tropical food is scrumptious!

Tropical food is scrumptious!

The Caribbean is logical destination for many expats from this country for obvious reasons BUT for me not so much because food is great part of both of our lives and I need to be where I can get the kind of food I enjoy the most. Europe springs to mind but again, France or Italy would be a yeeeessss…food wise but I know due to the exchange rate and simply cost of living that we couldn’t get best bang for our buck there.

However, I might be looking at this whole thing wrong and not understanding the what’s and how’s that retirement entails.

Please help?

Regards,

Tanya

All of our books lead to adventure. Don’t miss out on yours!

Hi Tanya,

I would first recommend that you take a look at our article, How to Choose a Retirement Location.

It’s really important that you and your husband list what your priorities are for your future lifestyle. Being foodies ourselves, we understand the desire to have access to a variety of different cuisines, and fresh fruits, vegetables, seafood and meats. Make sure you agree on things like climate, social activities available to keep you engaged (even the ability to possibly volunteer) – garden clubs, bridge clubs, theater, animal rescue, golf, hiking, nature – whatever interests you.

Know what size of city, town or community that appeals to you. And very significantly, have you ever lived overseas before? It might sound fantastic on paper, but cultural differences can be a bone of contention to some people. Some cultures are efficient, and some are more lackadaisical when it comes to getting plumbing done, or getting paperwork processed and so on. No matter where you choose to live, it won’t be “just like home.”

Mexico architecture reflects the Spanish conquistadors

Mexico architecture reflects the Spanish conquistadors

Do you know another language, or are you willing to learn at least at a passable level?

You might consider other options besides moving – options such as snow birding, house swapping, house sitting or setting up a portion of your home to rent out with organizations such as Airbnb.

After you have your list of priorities you can begin to look for a location to fit those desires.

Gorgeous Lake Atitlan in Guatemala

Gorgeous Lake Atitlan in Guatemala

Take a look at our Relocation Page – there are lots of forums where you could have conversations with expats who are currently living in various foreign locations to give you an idea if this place or that place might work for you.

If you already have foreign experience, countries such as Mexico, Guatemala, Thailand, Panama and Ecuador have very good cost of living, and you might find that you can live very comfortably on $2,000 or $3,000 per month, or even less.

Take a look at our Annual Spending Update to give you an idea of how we manage. Just to be clear, we have chosen not to own a home in retirement, but rather rent apartments, or house sit, or rent a hotel suite for months at a time. We do not own a vehicle and prefer to use local transport or hire a driver. We also utilize local health care as well, saving us lots of money per year in health insurance premiums.

You have lots of options if you are open to them.

I hope the above information gets you started on your relocation journey. Please feel free to write back if you have more questions, or if you would like to discuss a topic more fully.

Wishing you and your husband all the best in your upcoming retirement.

Best Regards,

Akaisha

Ecuador native culture is fascinating

Ecuador native culture is fascinating

 

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Travel Sickness? Try Motioneaze

I have suffered from motion sickness since I was a child. Though loving to take adventures, traveling in a car, bus, boat or plane always produced that uncomfortable feeling of queasiness, until it was so predictable I simply took a seasickness pill before I ventured out.

For a world traveler, this is a particularly prickly nuisance, since our lifestyle is built on motion. Flying to far-flung countries, taking wooden-masted sailing cruises, riding through rolling mountainous roads, even white water rafting, boogie boarding or body surfing, I lived on those dang seasickness pills. Even with their noticeable side effects it was a better option than the alternative.

Then, for this reason and that, I could no longer take those pills. To say a mild panic took over is being polite. Fleetingly, I imagined my lifestyle changing from one of fairly continuous motion to staying put in one location. This was it. It finally happened; we would be settling down.

I tried to keep my mind open to the possibilities I could use instead, such as ginger candy, powdered ginger capsules, or seasickness acupressure bands. I was discouraged.

Then one evening, during a chance meeting in a restaurant, a friend and fellow world traveler, Lori Grant from Freetirement placed into my hand a small bottle of Motioneaze. She promised that it would work on my motion sickness and that I would be pleased with the results. I was 100% skeptical, and while I thanked her for her kindness and generosity, the rest of what I said was probably pretty whiny.

“No, really,” she said. “It works for me and I’m really bad.”

I whined some more but said I would try it out. I thanked her again and wondered how a little bit of this liquid of natural ingredients at the base of my ears could possibly work.

My first opportunity to give it a whirl was a few days later on a 10 minute chicken bus ride from Panajachel, Guatemala to Solola, the larger town up a very winding hill. One time previously I went pill-free up this hill, only to suffer the consequences, turning green and grasping around for an airsickness bag. Even after arriving, I was sick for 30 minutes until it subsided.

Since then, I have never taken this simple ride without nausea pills.

I want to tell you that this was a big deal for me.

In the interest of the experiment, I tried a little oil behind both of my ears, and with trepidation, boarded the bus. I found myself leaning into curve after curve and feeling… normal. How could this be? On the ride back it was the same feeling of freedom, of being able to enjoy the ride without fear of tossing my breakfast.

The next test was a 25 minute boat ride across Lake Atitlan to San Pedro. I’m telling you I would never, ever attempt this trip without the aid of my chemical pills. Again, drops at the base of my ears and not a hint of nausea.

I graduated to 3 hour shuttle trips to Guatemala City and 10 hour travel days on airplane after airplane and the same feeling of blessed balance was achieved.

Lori knows how grateful I am for this out-of-nowhere, right-into-the-palm-of-my-hand gift she gave me. It’s been life changing for someone like me.

I’m sharing my experience with you in case you also suffer from motion sickness, or have a child or loved one who does. If you would like to travel without chemical aid, try this product out.

You can purchase Motioneaze online at their own website, on Amazon, at your favorite pharmacy or in Wal*Mart. It’s completely natural, works within 5 minutes, even after symptoms have started, and there is no drowsiness. Can be used by both children and adults.

Prices range all over the map depending on the size of the bottle and how many you purchase, so shop wisely. And enjoy your motion-filled life symptom free!

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Financial Advice for a Reader

Q&A with a Reader

Hello Billy and Akaisha,

I just happened to listen to your interview on the World Wanderers podcast and really enjoyed hearing your perspective on early retirement and the travel lifestyle. My wife and I recently quit our jobs to test the concept ourselves. We are currently in Malaysia and are loving things so far.

Both my wife and I are in our early-mid 40’s. We both worked in software and have already had experience living abroad. We have lived/worked outside the US for over 7 years now and enjoy our nomadic lifestyle.

Even before I had heard the term Financial Independence (I only learned of Mr Money Mustache 4 months ago), I had always been careful with my finances. Never had debt. Purchased everything with cash. Saved as much as possible. However, I believe that my biggest failure was never really understanding the world of investment and, more to point, being downright afraid of it. We have our money in many different vehicles but we had never really optimized them so that we could live off them one day. So that we could dip into them while continuing to earn.

After listening to your plea on the podcast to learn how to invest, I was wondering if you would be interested in providing a financial review to help shape our savings into a portfolio that was similar to your approach. We already have some passive income from a condo that we rent, but I want to learn how to make our other investments cover our remaining expense needs while continuing to earn interest.

Have you ever conducted a paid consultation to help guide others in understanding your approaches to successful financial independence? Would you be willing to do so?

Thanks a lot,

Marc

You can retire in this economy – You do have options – Click here to learn how!

Hi Marc,

Thanks for taking the time to write and we are happy you enjoyed the podcast.

In a nut shell we explain our investment approach in our books, The Adventurer’s Guide to Early Retirement and The Possible Dream.

That said, you must be doing something right or you would not be where you are today financially. I commend you on your success.

We have always used the equity markets to create a money machine. Meaning that…rough numbers…our portfolio increases 10%…we live on 4% or less and reinvest the other 6% to cover inflation and added growth. We have been investors for many years including before we retired so we are not afraid of the markets. Sure there have been times when we have been tested, but cooler heads prevailed.

I suggest that if you want to go this route it doesn’t have to be all or nothing. Being 40 you have many years ahead of you and time is on your side. This is your greatest asset. Also at your age I would suggest something like a 60% stocks 40% fixed income…perhaps including your rental in that equation. But at the levels we are currently at in the market, I would suggest moving money into the markets over numerous months.

We have a lot of information on our site regarding our investment plan. Being 63 we are a little more conservative than I would suggest for you but only you know your risk tolerance.

I don’t really do consultations but am willing to help any way I can. If it works for you, that is my reward.

Feel free to write if you have more questions.

Regards,

Billy

 

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Looking for a Home Base

Q&A  with a Reader

Apparently we just missed your visit in Boquete. We rented in Valle Escondido for 5 months. I loved it, but my husband missed working on his classic cars and drag racing.

We are now considering an RV full time. I think you did that also. What advice do you have?

Also, I am interested in the location of where you keep a home base currently. What are  the advantages/disadvantages of that arrangement?

Thanks for your expertise and advice.

Dawn

All of our books lead to adventure. Don’t miss out on yours!

Hi Dawn,

Thanks for taking the time to write. We appreciate that!

Sorry we missed your visit in Boquete, Panama! We visited Valle Escondido several times. What a lovely community.

Yes, we owned a 5th wheel trailer and a 1 ton pickup for several years. We chose a trailer as opposed to having our home be attached to the motor in case there needed to be repairs to the motor, we would still have a home while we dropped the truck off. That may or may not be an issue with you, but we also were able to park the trailer and take the truck into town for groceries, instead of moving the whole RV in and out of town. Or perhaps we wanted to sight-see – we were able to take the truck individually instead of taking the whole rig.

If you still want a one-piece unit, you might consider other modes of transport like bicycles, a moped or towing your car to get you to and from the store for daily supplies or for getting around town.

If you will be living out of an RV, you will probably want a mail service to scan your mail electronically for you. You can then have the service send you your mail to your current location if you like, or shred your mail.

Take your time traveling. Fuel is a huge cost of RV living, and if you can stay in a location, receiving weekly or monthly rates, your transport costs won’t be supersized. Another way to spread out your costs would be to dry camp or to every once in a while, stay in a parking lot or on a neighborhood street.

You might consider reading a book on Fulltiming in an RV – they can be very helpful for all sorts of things you might not think of ahead of time.

We have several places that we consider to be home bases from which we travel, but the only location where we own something is in Arizona.  We enjoy having a Stateside address where we can receive important mail like credit cards – most of our mail is digital at this time, but receiving new credit cards are physical. Also, there might come a time where you need to receive a written check for something. Your mail forwarding service might be able to work this out for you.

Also, our place in the States still has some of our possessions like my grandmother’s china and my mother’s jewelry. Things like that.

I hope this information was useful to you – please feel free to write if you have other questions.

Best of luck. We loved RVing. It’s a great lifestyle and RVers are a very friendly group.

Stay in touch!

Akaisha and Billy

Thanks for your quick reply and thoughtful answers! You have some good points.

Where can you find such affordable housing in Arizona? The link showed a furnished modular unit for $7,000 ?! Where is this community?

Thanks again for your help and advice.

Dawn

Hi Dawn,

RE: a modular home/Park model unit – if you can make a purchase from a previous owner, this is where you will save thousands of dollars. Some communities and RV parks are now implementing an “age limit” to the units that are for sale, in an attempt to modernize the look of the community. Some communities still have the “vintage” units and those can be very affordable.

Two things you must keep in mind — one is if you purchase the property underneath your Park model or modular home, you will have to add a significant amount to the purchase price and be prepared for your insurance and property taxes to be higher than if you were to purchase the unit and lease the land from the community. A park model is considered to be a vehicle, as it can be moved from place to place and initially comes with wheels. This means that you pay a renewable license yearly equivalent to a vehicle license and your property taxes are in the low hundreds of dollars versus the thousands of dollars.

A modular home, on the other hand, is a “real” home and the insurance is figured differently.

The other thing, is that if you purchase used, rather than new, the units are generally fully furnished, down to cleaning supplies, sheets and cookware. The new units you will have to allow money to furnish them completely.

Many of these communities are Active Adult Communities or Snowbird communities. They are located virtually “everywhere” but most of them are in the sun belt of the U.S. including Calif., AZ, NM, TX and FL. If you Google “Active Adult Communities” they will list many to choose from. You could narrow your search to “Active Adult Communities TX” and only get the ones in Texas. Up to you.

The one you saw pictured in the article was in an RV park in AZ owned by Cal-Am.

Be sure to take your time in purchasing a unit. Make sure you like your neighbors, the shopping availability to you, the restaurants nearby, the activities offered by the community and very importantly, the weather.

Hope this helps.

Best to you,

Akaisha

Wow! All good information. It will take me some time to research this.  Thanks for taking the time to give me such a complete and thorough answer.

Dawn

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“Retired” ??

Q&A with a Reader

Aloha 🙂

I really enjoy your articles but I’m curious, how do you both define “retired”? 

I mean, I would submit you are spending at least a few hours, maybe more? per day (maybe not every day) on your website and the contents, yeh?

Or is just a few hours on the weekends, in between walks along the beach?

I know I used to say, “I’m going to retire by the time I’m 50″… well, for me, in that sentence, “retire” simply means, I’m going to change my current employer/employee-status.  Meaning: I’ll no longer go into the office I have at the University but I will certainly “produce” something.  I know that I will still want to provide a service of some kind… maybe temp consulting to my current employer, for only a few hours a week… But, for me, there is emotional reward in doing so.  I haven’t been in a “rat-race” or “9-5” scenario that I hear others speaking about so I have zero intention of telling my current boss to go F himself and then ride off in the sunset saying “Thank Gawd I no longer work there…”

Anyway, I’d love to hear your take on your definition of “Retire”

Live the Dream!

Mike

All of our books lead to adventure. Don’t miss out on yours!

Hi Mike,

Thanks for taking the time to write and express your comments. We appreciate hearing from you!

In regards to defining the word “retirement” let me first just say that in 1991 when we left the working world, there was no real word for what we were doing except to say we were retiring. It’s an odd term for a couple of 38 year olds to assume… It wasn’t until years later that the expression “financially independent” came into play.

We consider ourselves to be financially independent, probably more than anything… We are also retired in that we don’t really work in the conventional sense, and we don’t rely on a steady paycheck to cover the expenses of our lives. We have always been producers of one sort or another. We both loved to work and appreciated the feeling of finishing a project. We enjoyed making money. Neither of us had the sense of hating our jobs or hating our boss or resenting having to show up to work each day.

Since we do get this question about being retired from time to time, I recommend that you read our piece on this topic called Our Money, Our Lives. Also this piece on our blog: Hey Billy and Akaisha, Are You Retired or Not? and one last one, Is It Work or Is It Passion?

From what you have written to us below, it would seem that we are all on the same page.

Another thing that Billy and I like to do with our time is volunteer. Below are a few stories demonstrating some of the volunteer work we have done.

Chapala Massage: A Touching Volunteer Experience

Chapala Tennis Court Construction August 2000

Lights, Tennis, Action!

Thank you again for your interest in us and for taking the time to write. I took a quick look at your website and your approach and subject matter are very inspiring.

Keep in touch.

Best regards,

Akaisha and Billy

Your response is AWESOME! thank you very much.  Honored to be on the same page :- )

Live the Dream!

Mike

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5 Ways to Cook with Coffee

By Carol Trehearn

Quite simply, fresh coffee can make any morning better. Not only does it smell gorgeous as it brews, it’s also great to help get us going and wake us up in the morning with its delicious taste. All over the world, you’ll find chefs, bakers and brewers who are not only just drinking coffee, but incorporating it into their recipes to give their food a little hint of their morning routines. With that in mind, we’ve put together five tasty recipes which use coffee as a main ingredient that you can try in order to get your coffee fix in other ways than simply drinking it out of a mug.

In Sauces

Coffee sauce? You’d be forgiven if you’re wondering whether there actually is such a thing. In fact, there are a number of great sauces which can all incorporate coffee into their ingredients. One of the most common sauces which uses coffee as a spice is a barbecue style sauce which you can use to baste meat before cooking to give it a delicious barbecue taste. To make it, you’ll need a range of ingredients which can be found here. For a rich coffee taste, see coffee by Javafly.

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Tiramisu

If you want to cook with coffee, tiramisu is one of the most popular recipes to try. This no-bake, creamy dessert is a favorite from Italy, and definitely incorporates the gorgeous taste of coffee perfectly. To make this classic Italian sweet dish, you’ll need mascarpone cheese, one and a half cups of strong coffee, half a cup of brandy or cognac, 30 savoiardi (Italian ladyfingers) cocoa powder, and bittersweet chocolate. See the full recipe here.

Coffee Dry Rub

Coffee might not be the spice that you usually reach for to season meat, but it can yield surprisingly tasty results. Throwing a little bit of coffee into the dry rub of spices that you normally use for smoked ribs or even barbecued burgers can add a strong, barbecued taste that is delicious.

Coffee Ice Cream

If you enjoy making your own ice cream, coffee is a flavor which you definitely have to try. Whether you like to make ice cream from scratch or have a special ice-cream making machine to do all the hard work, adding some coffee to the mix can provide tasty, refreshing results that are the perfect alternative to a hot cup of coffee on a warm summer’s day. For even more taste options, why not try using flavored coffee such as hazelnut or caramel coffee for the most delicious ice cream ever.

Coffee Cake

Coffee flavored cake is another classic recipe which uses your favorite beverage as a main ingredient. There are many different ways in which you can make coffee cake, with some of the simplest being adding fresh or ground coffee to a regular cake recipe. Coffee and walnut cake is one of the most popular coffee cake recipes to try, and it’s easy to make, even if you’ve not done much baking in the past.

What are your favorite ways to cook or bake with coffee?

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How to Find Cheap Student Travel

By Charlie Brown

Students always feel a wave of excitement as the holidays approach, as it gives them the opportunity and freedom to travel. However, being a student means one will almost always have budgetary restrictions, and travel destinations should ideally be cheap. Without proper due diligence, this can be a huge problem. However, with the right amount of input, finding options for cheap travel should not be too big of a problem.

Research

The first step is to make sure one does as much research as possible. The fact that the holidays are here is not an excuse for research on subjects to be over. Before they start the actual booking and reservations, it is important to make sure they know what they will expect to pay for flights, accommodation, and travel and so on. The internet has many helpful resources, key among them the peak performance group travel website, which offers students options of most frequented locations and a choice of different types of tours and travel options. When searching for options and gathering information, it helps when one knows where to look for information. Look for sites that offer packaged deals and discounts, as well as resources for saving money.

All of our books lead to adventure. Don’t miss out on yours!

Flexibility

Sometimes, picking a specific destination can be difficult with loose travel plans and a budget that is not exactly as flexible as possible. A clever trick is to focus on the type of vacation one is to have, instead of focusing one’s attention on a single destination. By not committing oneself to a specific destination, one opens themselves up to numerous suggestions and a wider selection of travel deals.

Planes, trains and cars

Air travel costs have been going up in the past few years, and there is little chance that there will be significant drops in future. Still, there are discount airlines available for students who prefer flying. However, travelers with stricter budgets might also want to consider travelling by train and bus. They offer a more meaningful experience as one gets to pass across famous landscapes and enjoy the scenery. More importantly, they are much cheaper than flying. In fact, in some case, travel by train can be the fastest and cheapest way to move from one location to the next.

Student discounts

Student travelers enjoy discounts for travelling in almost every country, so do not be afraid to ask for discounts. Museums, parks and various historical sites have special rates for visiting students. Make sure to bring international student identification cards, or any other form of identification to take advantage of these rates.

Group travel

Travelling with friends is another great cost cutting tip. On gets to save money through the sharing of hotel rooms and group travel. With a group, it is also easy to make new friends who can then offset some of the costs, like accommodation and travel.

Being cash strapped might have students feeling like they cannot travel the world during the holiday period. With these tips, though, travelling for the average student is much cheaper.

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