Eligible for an overseas pension? Keep these points in mind

Eligible for an overseas pension? Keep these points in mind
Claiming more than one pension doesn’t always result in more income, writes Craig Sankey. Photo: TND

Question 1: How can I find competent financial advice for UK/AU superannuation and tax and pensions? There must be hundreds of thousands of ex-Poms like me with a mixture of vesting in state and private super schemes. Very few agents here seem to specialise and almost all of them want to sell complex SMSF products and ignore the national insurance scheme, and UK tax issues.

You are correct in saying there are thousands of ex-British people like yourself who are retiring in Australia, and that most financial advisers in Australia don’t have the experience or competency to deal with UK pension schemes.

The UK State Pension can generally still be paid to you even if you live in Australia, so long as you meet the UK eligibility rules to receive such a pension. But receiving this will generally reduce your Australian age pension benefits dollar for dollar.

There is not much choice here – either you are eligible for the UK State Pension or you are not.

The real complexity arises when you have a UK private-sector pension. It you have a sizeable amount in one of these funds, then it may make sense to transfer it to Australia.

However, since 2015, the UK doesn’t consider APRA-regulated Australian superannuation funds to be ‘Recognised Overseas Pension Schemes’ (ROPS), because our funds have different rules in place that don’t meet UK requirements.

This is why some advisers recommend you start a SMSF and have the rules of your SMSF match those of the UK, so they qualify as ‘ROPS’ and can accept UK pension transfers.

Setting up a SMSF and transferring the funds across will come at a cost, which is where you would need to rely on a specialist adviser to recommend whether it is worth it.

Unfortunately, I cannot recommend any particular adviser or company, but I would suggest speaking to others who have been in a similar situation, as well as seeking advice from the UK government or the UK group ‘Money Helper’, which may be able to provide additional information.

Contacting the Financial Planning Association of Australia would also be a good idea, as it may be able to recommend a specialist.

Question 2: I’m a 66-year-old single male working full-time. Some time ago I withdrew about $300,000 from super and invested it in shares so as to be able to pay down my mortgage with interest payments.

Unfortunately, over the past few years I have seen that amount dwindle down to $275,000.

Should I pull out of the scheme and place the money back into super? I think it was called ‘transition to retirement’.

A ‘transition to retirement’ strategy can be effective in the following ways:

  • When you reduce your working hours and want to top up your income from your super, i.e. going from full-time work to part-time work and transitioning into retirement over a period of time
  • You retain the same work hours, but want to have additional income for a specified purpose. This could be to salary sacrifice more money into super, to pay down your mortgage sooner, or to pay for a planned large-sum expense.

To start a transition-to-retirement pension, you must have reached your preservation age, and you can only draw out a maximum of 10 per cent of your account balance each year.

If you do have a transition-to-retirement pension, this means that funds are still retained within the superannuation system, and they can be rolled/transferred back to your normal accumulation account at any time.

There are a few issues and questions to consider:

  • What structure should you hold your money in? In superannuation, or under your own name in shares (or another asset)? The first step is to confirm what structure it is in now
  • Many people call super an investment, but technically it’s not – it’s a tax structure in which you hold investments. You state you have all the money in shares, but you could choose to invest in a balanced fund, a conservative fund, or in cash etc. All these options can be inside or outside of super
  • It’s important to choose investment options with which you feel comfortable. Your super fund can help you choose an appropriate level of risk for your circumstances. (Find out more about investment allocations within super here.)
  • When you say the funds have ‘dwindled’, have you taken into account the dividends that been paid out, either to you, or paid directly off the mortgage?
  • You had a goal of paying down your mortgage sooner – is this still the case? Your best investment option will depend on your financial goals, your investment time frame, and your appetite for risk.

Because of the tax advantages of super, it’s generally more favourable to hold your investments in this structure, so you may want to recontribute the funds to super.

Finally, it’s very important you understand any strategy or investment that you go into.

If you received advice to go into a transition-to-retirement pension, and/or to invest in shares, it’s up to the financial adviser, or whoever it was who recommended that strategy, to fully explain it to you and ensure you understand it.

In fact, financial advisers must abide by a code of ethics, which includes the following statement: You must be satisfied that the client understands your advice, and the benefits, costs and risks of the financial products that you recommend, and you must have reasonable grounds to be satisfied.

Many people feel embarrassed or self-conscious and don’t want to speak up, but this is the cause of a lot of future issues, both for yourself and for the financial adviser.

For the benefit of all parties, keep pressing them until you do understand, or else don’t proceed with the strategy.

Question 3: I’m 68 and have $450,000 in my super, and my wife has $600,000. I have $100,000 in a lump sum. Can I make a non-taxable payment into my super? I’m still working 38 hours a week.

Yes, as you are working more than 40 hours over a 30-day period, you have met the ‘work test’ and can contribute $100,000 as a non-concessional (after-tax) contribution.

Note that from July 1, 2022, you will no longer need to meet the work test to make non-concessional contributions.

Craig Sankey is a licensed financial adviser and head of Technical Services & Advice Enablement at Industry Fund Services

Disclaimer: The responses provided are general in nature, and while they are prompted by the questions asked, they have been prepared without taking into consideration all your objectives, financial situation or needs.

Before relying on any of the information, please ensure that you consider the appropriateness of the information for your objectives, financial situation or needs. To the extent that it is permitted by law, no responsibility for errors or omissions is accepted by IFS and its representatives. 

The New Daily is owned by Industry Super Holdings

News Related


Rwandan genocide trial of businessman Félicien Kabuga set for September 29th

Archive – Rwandan genocidaire Félicien Kabuga – ONU International justice will try billionaire businessman Félicien Kabuga for his alleged links to the crimes of the Rwandan genocide (April-June 1994) starting ... Read more »

7 mistakes to avoid with your stereo speakers

KEF LS50 Meta Perhaps you’re a newcomer to the world of hi-fi? Or perhaps you have already invested blood, sweat and tears into building your dream set-up? At the end ... Read more »

Heritage railway takes on Avanti with first class west coast service

Photograph: Robert Lancaster/Alamy There has rarely been a worse time to travel by rail in the UK, particularly on the delay-prone west coast mainline, where services have been slashed and ... Read more »

How Lili Reinhart Bounced Back After Riverdale Passed on Her First Audition

If at first you don’t succeed try, try again. That’s the lesson Lili Reinhart learned on the road to sealing the deal for her role of Betty in Riverdale. In ... Read more »

Fed's Barkin: "A lot of time" before September rate decision needs to be made

FILE PHOTO: Federal Reserve Bank of Richmond President Thomas Barkin poses during a break at a Dallas Fed conference on technology in Dallas OCEAN CITY, Md. (Reuters) – Federal Reserve ... Read more »

Biden climate law could expand controversial biogas industry

U.S. President Joe Biden signs “The Inflation Reduction Act of 2022” into law at the White House in Washington By Leah Douglas WASHINGTON (Reuters) – U.S. President Joe Biden’s climate ... Read more »

Are we dreaming? The Sandman just released a two-part bonus episode

Tom Sturridge reprises his role as Morpheus / Dream of The Endless in a new bonus episode of The Sandman. Netflix has just released a bonus, full-length episode for The ... Read more »

Government will fund endangered bus routes in England

Photograph: Nigel Greenstreet/Alamy Regional bus services in England that were facing the axe have been given a reprieve after the government announced £130m of funding to keep them going for ... Read more »

Vuelta a España live stream 2022: how to watch all cycling stages online from anywhere

With three-time defending champion Primož Roglič still recovering from the shoulder and back injuries sustained during that crash last month, the 2022 Vuelta a España has been thrown wide open. ... Read more »


Website screenshot for iFax iFax Solutions, Inc. is an American software company. It was founded in 2001 by several core members of the team behind HylaFax, an open-source fax software. ... Read more »

UN condemns 34-year prison sentence for Saudi student for commenting on human rights in the country

Saudi crown prince Mohammed bin Salman – -/Saudi Press Agency/dpa The United Nations, Amnesty International and Human Rights Watch (HRW) declared Friday in unison their condemnation of the 34-year prison ... Read more »

Car recalls: Do you drive any of these GMC, Mitsubishi, Kia, Cadillac models?

The U.S. National Highway Traffic Safety Administration has issued recalls for August 11 through 18, including a GMC recall involving 484,155 units and a Mitsubishi recall involving 76,508 units. See ... Read more »

iPhone 14 colors: all the rumored and likely shades

iPhone 13 in different colours The iPhone 14 line is almost here, with a launch expected in September, and as such lots of rumors about the colors of Apple’s forthcoming ... Read more »

Vergecast: Android 13 arrives, Galaxy Watch 5 review, and Instagram gets competitive

Vergecast: Android 13 arrives, Galaxy Watch 5 review, and Instagram gets competitive Every Wednesday and Friday, The Verge publishes our flagship podcast, The Vergecast, where our editors make sense of ... Read more »

House of the Dragon proves a worthy heir to the Throne

House of the Dragon★★★★ The toughest thing about selling a fantasy drama to a mainstream television audience is getting them over genre humps, such as dragons breathing fire, wizards casting ... Read more »

Red Hot Chili Peppers to receive Global Icon Award at MTV Video Music Awards

Red Hot Chili Peppers Red Hot Chili Peppers will be honoured with the Global Icon Award at the 2022 MTV Video Music Awards later this month. The By the Way ... Read more »

Sledge mars Dees big AFL win over Lions

Demons’ Harrison Petty (L) was left in tears after a sledge during the AFL win over the Lions. A sledge from Brisbane captain Dayne Zorko, which left Melbourne defender Harrison ... Read more »

Finnish prime minister under fire for party video

GT Communications’ Gemma Tognini says Finnish Prime Minister Sanna Marin has come under fire after video footage of her partying leaked. Finnish prime minister under fire for party video “She’s ... Read more »

Meme stocks in reverse as Bed Bath & Beyond slump spooks investors

FILE PHOTO: A Bed Bath & Beyond is pictured in New York (Reuters) – Retail favorites GameStop and AMC Entertainment fell on Friday, undoing much of their recent gains after ... Read more »

China banks to repay more customers after protests

Four banks in China’s Henan province froze cash withdrawals in mid-April as regulators scrutinised alleged mismanagement, leaving billions of yuan in savings frozen and sparking sporadic demonstrations Chinese regulators on ... Read more »

Bitcoin falls below $22,000 to lowest in over three weeks

Bitcoin has tumbled below $22,000 to its lowest level in over three weeks as cryptocurrencies suffer another sudden, sharp sell-off. The world’s most known digital currency was down almost 9 ... Read more »

Queensland rugby league spectator handed 10-year ban from sport following racial slur

Signs are hung around rugby league grounds to promote respectful behaviour to players, referees, officials and spectators.  (ABC Southern Queensland: Georgie Hewson) A spectator from a Toowoomba Rugby League (TRL) game ... Read more »

Former Sri Lankan president asks government for security guarantees to return to his country

El expresidente de Sri Lanka Gotabaya Rajapaksa. – PRADEEP DAMBARAGE / ZUMA PRESS / CONTACTOPHOTO Sri Lanka’s former president Gotabaya Rajapaksa has asked the country’s current authorities to grant him ... Read more »

Brazil telecom towers auction expected to draw U.S. bids - report

A man leaves the office of Brazilian telecoms company Oi SA in Rio de Janeiro SAO PAULO (Reuters) – American Tower Corp and IHS Holding may bid for 8,000 towers ... Read more »

Firmware boost brings Dolby Vision IQ Precision Detail to LG G2 and C2 OLEDs

LG C2 OLED TV Lucky owners of the five star rated LG C2 and LG G2 OLED TVs are set to get even better HDR performance, thanks to a new ... Read more »

Morrison 'treating the public like mugs' under 'guise of caring'

The IPA’s Gideon Rozner says on election night he felt a “pang of guilt” towards Scott Morrison, but not anymore after the former prime minister’s attitude about recent revelations. Mr ... Read more »

Hermès bags and Picassos: business booms for Britain’s posh pawnbrokers

‘You wouldn’t think somebody with a £300,000 watch would need to borrow £20,000 but we have seen it a few times. It surprises you. Everyone has their cashflow issues,” says ... Read more »

The iPhone 15 could be the phone we expected the iPhone 14 to be

iPhone 13 We’re certainly excited to see what Apple has in store with the iPhone 14 – a launch event is expected early in September – but a couple of ... Read more »

Family sues Mark Zuckerberg after he offered $7,500 in death of security guard at Hawaii compound

The family of a security guard who worked and died at Mark Zuckerberg’s sprawling Hawaiian property in 2019 are suing the tech billionaire, alleging negligence and wrongful death, Hawaii News ... Read more »

'Little twerp' behind staggering $1 billion claim

Masters champion Patrick Reed is suing golf commentator Brandel Chamblee for over $1 billion dollars, but that’s far from the strangest part about the story. The lawyer who filed the ... Read more »

How a viral NFT project survived the crypto crash

How a viral NFT project survived the crypto crash A year ago I told you about Loot, a collection of non-fungible tokens that had inspired an energetic community to form ... Read more »

AFL Fixture: Every round of the 2022 premiership season

AFL Fixture: Every round of the 2022 premiership season The 2022 AFL fixture has been revealed with dates and times confirmed for the first nine rounds. 15 of the 18 clubs will ... Read more »

Biden's border patrol agents now 'literally' opening the gates to illegal immigrants

Biden’s border patrol agents are now “literally opening the gates to illegal immigrants”, Sky News host James Morrow says. “200,000 illegals are crossing the border every month – surely the ... Read more »

Education Department offers a second chance to 7.5 million borrowers who defaulted on student loans — here's who is eligible

The U.S. Department of Education is giving borrowers who’ve fallen behind on their student loans a chance to get into current standing. Collection activity will also be suspended for a ... Read more »

Amazon’s Fire TV Stick 4K Max is nearly matching its Prime Day pricing

Amazon’s Fire TV Stick 4K Max is $39.99. A streaming stick should definitely be on your back-to-school list if you’re heading back to college. After all, a good one can ... Read more »

Melbourne leaves fans and woebegone Brisbane in no doubt they’re ready for finals

Like his Lions teammates throughout the night, Lincoln McCarthy has trouble getting his hands on the ball. Photo: AAP Live Ruthless Melbourne have flexed their premiership muscle to put themselves ... Read more »

Dropping plans for Indigenous cultural centre at Barangaroo a ‘backward’ step, Aboriginal leaders say

Photograph: Paul Braven/AAP The New South Wales government has come under fire for its decision to cancel plans for an Indigenous cultural centre at Barangaroo’s enormous Cutaway site. A number ... Read more »

Has the NRL finally solved its blowout problem?

The NRL’s blowout era is officially coming to a close with new data revealing more matches being in the balance into the final 20 minutes than at any other time ... Read more »

Water firms in England and Wales lost 1tn litres via leaky pipes in 2021

Photograph: Maureen McLean/Rex/Shutterstock Water companies in England and Wales lost more than 1tn litres via leaky pipes last year, according to the sector’s latest figures. The industry and its financial ... Read more »

ABC's investigative program Four Corners produces ‘gushing profile piece’ on Monique Ryan

The ABC’s flagship investigative program Four Corners has produced a “gushing profile piece” on Kooyong MP Monique Ryan instead of hard-hitting journalism, Sky News Digital Editor Jack Houghton says. “Independents’ ... Read more »
6 Incredible Experiences On Alabama’s Forever Wild Hiking TrailsImportant Legal And Health Information To Have In Place Before You TravelThis Key West Resort Is Offering A Key Lime Turn Down Service, Here’s What’s IncludedAirbnb Is Looking For These Red Flags To Identify Renters Wanting To Host Parties15 Best Things to Do in BrooklineSolo Travel in Lisbon: Everything To Know!10 Best Coworking Spaces in Kuala Lumpur to Boost Your Productivity15 Best Things to Do in MedfordThe 10 Quirkiest Museums in Seoul You Need to See10 Breathtaking Tagaytay Hotels That Won’t Break the Bank33 EPIC things to do in the Yucatan Peninsula, MexicoHana, Dul, Set! Live Like a K-pop Idol for a Day With This Guide4 Unique El Nido Island Hopping Tours You Have to Try!Why These Bar Shampoos And Conditioners May Be The Answer To Your Packing PrayersThe Amazing Greek Cooking Class With Views Of The Acropolis From The Kitchen17 Fabulous Things To Do In Scenic Denver, ColoradoScoot’s Pokémon-themed Pikachu Jet flies Tokyo and Seoul from Sep 20228 Beautiful Parks and Gardens in Sapporo9 Amazing Restaurants To Experience In Doha, Qatar 15 Best SUBIC TOURIST SPOTS (Zambales)Colorado’s New Mountaintop Coaster Not For The Faint Of HeartAmerican Queen’s Longest Sailing Explores Two Iconic U.S. RiversGamers8 Event in Saudi Arabia: Join the World’s Biggest Global Gaming & Esports Festival Now5 Tips From a Homebody on How to Enjoy Travelling & Being Outdoors10 Local Walpole restaurants & businesses you should visitBest eSIM for Travelling to the United States in 202210 Must-Try Restaurants in Genting HighlandsHow This Filipino Ballerina Got Accepted Into the Bavaria Ballet Academy in Germany9 Amazing Things To Do In Historic Lancaster, California25 FUN Things to do in Fremantle, WA7 Amazing Experiences Not To Miss In QatarHow To Spend A Luxurious Weekend On Gorgeous Lake Oconee, Georgia7 Places To Experience Jewish History In ParisTraveler Favorite Buc-ee’s Opening First Location In The MidwestBean-Hungry Black Bears Close Campground In Big Bend National Park15 Best Things to Do in Taunton18 Exciting Things to Do in Busan For an Extra Great Trip15 Best Things to Do in Weymouth15 Best Things to Do in New BedfordFrom Seminyak to Ubud: 15 Must-Visit Spots in BaliWhere to Shop in Japan: Tokyo, Osaka, and Kyoto EditionDunkin’ Spanish Latte Now Available — Here’s Where You Can Order One10 Experiences in Sabah That Will Make You Fall in Love With The Land Below The Wind4 Smartest Ways to Save Money When Visiting Sydney6 Student Hacks That Will Save You Big Money on Fun Things Around SydneyHow to Explore Bali - 1 Week Itinerary in the Tropical Paradise6 Clever Hacks to Make Your Trip In Melbourne Easier (and Cheaper)7 Thrifty Tips to Help You Travel in Singapore On a Budget21 FUN Things to do in Ushuaia, Argentina9 Amazing Experiences For Food Lovers In Northern France11 Fantastic Experiences With Your Grandchildren In Santa Rosa5 Best Tips to Book Cheap FlightsMy 5 Favorite Unexpected Perks Of Slow TravelClimbers Of This Popular Path In France Now Required To Pay Rescue DepositThis Airline First To Test Deplaning Passengers Through Three Doors25 Fun Things To Do In Singapore At Night: Mini Golf, Skyline Luge and MoreThings To Do Weekend Singapore August 2022: Singapore Night Festival, Subway Museum & More!33 Things To Do In Singapore With Kids This School HolidaysNew Events In Singapore 2022: Singapore Night Festival, A Minions Perspective Experience, Cinewav Movies in the Sky & More!30 Top Kids Activities To Do With Your Family For A Fun WeekendSurvey Shows Singaporeans Want to Travel to Japan The Most21 Hotels With Huge Luxurious Bathtubs In Singapore For You To Soak Your Worries Away15 Best Things to Do in Fall RiverStaycation Singapore: 51 Hotels In Singapore To Enjoy Your Staycation33 FUN Things to do in Antigua, GuatemalaBacolod Tourist Spots: 10 Things to Do for Foodies & History Buffs10 Best Cafes in Sydney for Coffee, Brunch, and Vegan Food15 BEST Restaurants in Sayulita, Mexico10 Hotels with Halal Breakfast, Buffets and Restaurants in Singapore21 Best Things to do in Acapulco, MexicoI Tried Hang Gliding At Age 55, Here’s Why I Think You’ll Love ItHow To Spend 3 Perfect Days In Switzerland’s Jungfrau RegionHow To Spend A Perfect Weekend In South Bend, IndianaThe One Thing We Are Trying Before We Retire Abroad7 Things To Do In Charming Edgerton, WisconsinBirds of Iceland: An Introductory GuideViking Debuts New Ship In Southeast Asia Specially Designed To Sail The Mekong River15 Best Things to Do in SomervilleNew National Parks Series Debuts On Nat Geo This Month And You May Recognize The Narrator’s Famous VoiceDigital Nomads Can Apply for a 10-Year Visa to Thailand From Sep 20228 Unique Mooncakes in Singapore 2022 to Celebrate Mid-Autumn Festival10 Family-Friendly Destinations for Your 2022 Year-End Trips57 Top Things To Do In Singapore - Attractions, Interesting Places To Visit & Fun Things To DoTop 35 Must-Visit Historical Places & Landmarks in the Philippines15 Best Things to Do in Framingham10 Things You Should Never Do in Hawaii15 Things to Do in Jeju for a Different Kind of Island GetawayMy 7 Favorite Wineries In California To Sip ChardonnayMy 5 Favorite Luxurious Experiences At Scottsdale’s Top ResortsThe Perfect 3-Day Visit To Beautiful Évora, Portugal7 Reasons To Explore Stunning Peggy’s Cove, Nova ScotiaRetirement Diaries: Diane Says Start Your Planning EarlyWhy I Love These 5 Campsites In France More Than Any HotelWe Have 21 Airline And Hotel Credit Cards, Here’s What We Love About Each OneThe 15 Most Beautiful Places To See Fall Foliage In 2022Top 15 Best Things to Do in Stockton, CaliforniaAnne Frank Museum Releases Videos Detailing Last Six Months Of Her LifeFarmers’ Almanac Predicts Unseasonably Cold Winter For Canada, Urges One Region To HibernateThis Is The Only Country On Earth That Sits Entirely Above 3,280 Feet, And You Can Ski There Right NowHow To Start A Freelancing Business From Scratch10 Things You Should Know Before Quitting Your Job To TravelBournda National Park: South Coast NSW’s Best Kept SecretThe Best Multi-Day Hiking Trips in CanadaFrom Bunbury to Margaret River, Here’s What Not To MissWhere To Find The Best Free Camping in TasmaniaAustralian Bushfires: Here’s What You Can Do To HelpOur AmazingCo Mystery Picnic in Queensland’s Atherton TablelandsHow To Plan A Sedona Girls Weekend Trip25 Of The Best Things To Do In Port Douglas, AustraliaPlatia Ammos Beach in Kefalonia (+ the Perilous Hike Down in Flip Flops!)From Corporate Stooge to Professional Travel BloggerWhy Choose Full Time RV Living Over Van Life?7 Handy Camping Hacks For Your Next Wilderness TripThe Best Spots For Eyre Peninsula Camping in South AustraliaGold Coast Hot Air Ballooning: A Bucket List Experience You Didn’t Know You NeededFitzroy Island or Green Island: Which is Better?A Zhangjiajie Hiking Adventure In The Avatar MountainsThings To Do On An Eyre Peninsula Road TripThings To Do On The Esperance To Perth DriveBunyeroo Gorge & Brachina Gorge: A Flinders Ranges Scenic Drive You CAN’T Miss!Duke of Orleans Bay: My 35th Birthday Adventure!Things To Do In Mount Gambier & Limestone Coast, South AustraliaHow This Woman Quit Her Job To Travel Europe Full-Time in a Motorhome10 Things I Wish I Knew Before Buying A CaravanCelebrating Boxing Day on a Captain Cook Sydney Harbour Cruise5 Adventurous Weekend Road Trips From DenverHow To Land Scuba Diving Instructor Jobs Around The WorldWhy You Don’t Need A Work And Travel Program Like Remote Year To Become A Digital NomadHow To Tell Your Parents You’re Quitting Your Job To TravelPerth to Esperance: The Ultimate Road Trip ItinerarySpeed Hiking: What It Is & What Gear You Need For ItWhat To Do When Sh*t Hits The Fan On Your Trip3 Days in Melbourne: A Melbourne 3 Day ItinerarySapphire Coast NSW: From Whales to Red RocksEssential Hiking Gear for Beginners: 5 Items You Absolutely Need For Your First HikeWhy This Grad Student Decided To Move Abroad Instead Of Getting A JobThe Best Fleurieu Peninsula BeachesNakie: The Best Traveler Hammock (That’s Also Eco-Friendly!)The Best Beaches in Kefalonia (+ Other Must-Dos)The Best Things To Do In Sydney Harbour7 Things To Know Before Your Overnight Or Day Trip To Rottnest IslandLawn Hill National Park: A Hidden Gem in Outback QueenslandBradleys Head to Chowder Bay Walk + Balmoral | Sydney Harbour WalkOrmiston Gorge: A Beach in Outback Australia!What To Do in Paris For 4 Days: A 4 Day Paris ItineraryOutdoorsy Things To Do In Noosa, An Aussie Adventure ParadiseWhy Quitting Your Job To Travel Isn’t As Scary As It SeemsThings To Do In Crete: A Crete Road Trip Itinerary15 Little Things You Can Do To Save Money For TravelKu-ring-gai Chase National Park: Sydney’s Hidden GemThings To Do In Esperance: The Best Walks, Campsites, & Beaches In Esperance, Western AustraliaVisiting Meteora: Clifftop Monasteries With A View In GreeceThe 15 Best Day Trips From CairnsHighlights Of A Great Ocean Road TripThe Best Boho Picnic Rugs For Outdoor AdventuresRenting Camera Gear For Travel: Save Money, Save MemoriesThe Best Sydney Weekend GetawaysCar Next Door Review: Using Car Sharing in AustraliaWhat the FAQ is Van Life? Everything You Want To Know About Full Time Van LivingThe Best Hikes In The Blue MountainsA Sydney Harbour Scenic Flight With Sydney SeaplanesThis Couple Quit Their Jobs & Sold Everything To Travel Europe Full-TimeThat Time ALL THE SIGNS Told Me To Buy Tony Robbins TicketsHow Much Money Do You Need To Save Before You Quit Your Job To Travel?15 Best Things to Do in Malden8 Unique Ways To Spend A Few Hours In The South Of France7 Authentic Aboriginal Experiences In Australia’s Northern Territory10 Best Hiking Trails In Flagstaff According To The Locals21 FUN Cancun Day Trips that you’ll love!The Unique Culinary Tour Not To Miss In Jerusalem18 BEST Things to do in Valparaíso, Chile7 New And Unique Things To Do On The Las Vegas StripPalwa Ride and More Adventures at Santabucks Eco-Adventure ParkClear Testing New Curb-To-Gate Premium Service At This Popular AirportCollette Unveils New Montana Cruise Tour Featuring Stops In Two Popular National ParksTop 15 Best Things to Do in Riverside, California8 Reasons To Visit Italy This FallI Booked A Trip To France This Summer For $5.60 Using Points, Here’s What I LearnedThe Exhilarating Experience Not To Miss In Canada’s Jasper National ParkI Tried Glamping At An Australian Crocodile Safari Camp And It Was Incredible16 Scenic Stops Along The Beautiful Cape Cod Rail TrailWorrowing Jervis Bay: A Winter Getaway From SydneyBest Beaches in Crete: The 10 Crete Beaches You Must VisitThe 20 Best Beaches in Western AustraliaWhat I Wish I Knew Before Moving From USA To Australia30 Things To Do in Albany, Western Australia & South Coast WAHiking Sydney: The 15 Best Hikes in Sydney, AustraliaThe Best Hikes in Grand Staircase Escalante National MonumentNew UAE Passport: How to Get Your New Emirati Passport?NATAS 2022 Singapore Travel Fair: What to Expect7 of the best things to do in Phuket on a budget15 Best Things to Do in WalthamU.S. Begins Testing Online Passport Renewals, How You Can ParticipateTop 7 Must-See Attractions At The Newly Renovated Air And Space MuseumFAA Considers Increasing The Size Of Airline Seats, But It Has Nothing To Do With ComfortEat Your McDonald’s Before You Get On The Plane15 Best Things to Do in HaverhillYosemite Reopens Its Beautiful Mariposa Grove To Visitors8 Signs You Need for a Salary Raise & How to Talk to Your Boss About ItMy 7 Favorite Restaurants In Beautiful Dripping Springs, Texas13 Tips For Hiking Jenny Lake In Grand Teton National Park 14 Budget-Friendly Ways To Entertain Your Elementary-Aged Grandkids According To A Retired TeacherTop 15 Best Things to Do in Huntington, New York12 Reasons This Lesser-Known Malta Town Will Transport You To 1950s Italy15 Best Things to Do in RevereParts Of This National Park Closed Because Of A BearSeveral Caribbean Islands Dealing With Record Amounts Of Seaweed, The Problems It’s Causing For Tourists And Residents7 of the best things to do in Hoi An on a budgetLOOK: Philippine Tarsier Spotted in Tacloban City for the First Time EverA Guide to the Best Staycation Hotels in Manila6 Fabulous Reasons To Take A Side Trip To Croatia When You’re Visiting Italy7 Reasons You Should Visit Canada’s Beautiful Georgian Bay6 Reasons To Explore Concord, California On Your Next Visit To San Francisco9 Key Tips For Hiking To Gorgeous Ta-Taki Falls In Okinawa, JapanTop 15 Best Things to Do in Islip, New YorkHawaii County Follows Maui’s Lead, Decides To Ban These Types Of SunscreensUnique Sign In New Mexico Had Highway Drivers Doing Double-Takes15 Best Things to Do in AberdeenIt Now Costs $250 To See A Real-Life Dragon, Here’s WhyHeavy Rains Cause Extremely Rare 1,000-Year Event In Death Valley15 Best Things to Do in Havre de Grace15 Best Things to Do in Elkton11 Best Beaches in Vietnam You Must Know About11 Money Tips If You’re Not Earning Well Enough to Build a Travel Fund7 Fantastic Hotels For A California Summer ExperienceThe Houseboat Getaway Near Ottawa Perfect for the Whole Family22 Amazing Outdoor Adventures I Loved In New Zealand5 Fantastic Stops On A Missouri Road Trip From St. Louis To St. JosephFolks Are Flocking To New Mexico For A High Flying Milestone This October15 Best Things to Do in New CarrolltonSurprising Shark Discovery Found Thousands Of Miles From Its HomeWhat You Need To Know About Road Closures At This National ParkThird-Culture Kid Blues: My Experience as an Indonesian Who Grew Up in MalaysiaA Guide to Ukay-Ukay Shopping in and Near Metro Manila7 Historic French Brasseries You Must Visit In Paris7 Amazing Outdoor Activities To Experience In Big Sky, Montana In The SummerTop 8 Questions To Ask Before Moving To Costa RicaEverything You Need To Know About Visiting Qatar¡Felices fiestas! A guide to Spain’s best annual events17 Amazing Things To Do In Beautiful Austin, TexasFancy Feast Isn’t Just For Felines, Where You Can Dine On Cat-Inspired Cuisine Why October Is The Best Time To See Elk In This StateBorobudur Temple – The World’s Largest Buddhist TempleMantigue Island: Camiguin’s Little Jewel | LakwatseroThe Wave of Utah and Arizona: Where “Amazing” is Understatement | LakwatseroMonad ShoalHow to Get to Luna ApayaoTales From Sadanga: The Trek to Fowa-as Falls | LakwatseroAbout BatadHow to Commute to 21 Kilometers Coffee and Back#13 Himalayan Mountain Range (Nepal)NATAS Travel Fair 2022: Best Travel and Tour Package Deals!Batanes: Sweet Rendezvous With My Playground | LakwatseroNaked IslandThe GreeneryBalabac Sojourn: Immersion in Bugsuk Island | Lakwatsero1. Chocolate HillsHow To Get to BulalacaoSurprises in Naujan | LakwatseroNatnat BeachScuba Diving in Mantigue Island: Revisiting Underwater HomeLubang: En Route to Big Surprises | LakwatseroAbout Cuyo1. Fortune Island (Nasugbu, Batangas)Climbing Mount MitsutogeWaterfalls of Mount Romelo: Buruwisan, Batya-Batya & MoreSurigao: Scuba Diving in Mabua | LakwatseroRooms and RatesBud Bongao: The Revered Mountain of Tawi-Tawi | LakwatseroHow to Get to CoronGoing In and Out of PokharaVisita Iglesia in Manila: Nine Churches to VisitA Day Trip to Seven Falls of Lake Sebu | LakwatseroBataan: Dunsulan Falls, Ambon-Ambon Falls & Limutan FallsHow to Get to MoalboalHow to Get to Kansalakan Enchanted RiverDetour to Mainland Sablayan | LakwatseroWaterfalls in Real, Quezon: Cawayan, Balagba & Noknok FallsRuwanwelisaya StupaSan GabrielColibra Island: Dasol’s Island Hideaway | LakwatseroHow to Get to Malamawi IslandHow to Get to Maosonon IslandBalabac Sojourn: Bugsuk Island Stole My Heart | LakwatseroAttractions in Igorot Stone KingdomNacpan & Calitang: The Twin Beaches of El Nido | LakwatseroCalinawan CaveClimbing Mount Fuji: Frequently Asked Questions1. Tropical Four SeasonsMasasa Beach Travel RequirementsPacsafe Toursafe Wheeled Duffel: The Ultimate Urban Adventure Buddy | LakwatseroHow to Get to Mount KitadakeKiltepan View Deck (Sagada, Mountain Province)A Solo DIY Trek to Kawah Ijen of Indonesia | LakwatseroFirst Time in NAIA Terminal 1: Seriously, It’s Not As Bad As You Think! | LakwatseroHow to Get to Mount Cayabu and MaynobaTagbilat Falls: The Curtain Falls of Zamboanga SibugayHow to get to Quitinday Falls and Underground RiverPaoay Church: UNESCO World Heritage Site in Ilocos NorteThe Island in FocusBicycle Diary: Kaybiang Tunnel Loop | LakwatseroSelf Guided 6D/5N Annapurna Base Camp TrekA Weekend of Ultimate Adventure in Baler | LakwatseroHow to Get to Camotes IslandsHail to Hulugan FallsIloilo: Where to Indulge in the City of LoveIntroducing SibaltanHow to Get to Kabutongan FallsHow to Get to Calinawan CaveAbout CaramoanHow to Get to Cabagnow Cave PoolFive Hours in Jakarta: A Walk in the Old Batavia (And Misadventures in Jakarta) | LakwatseroRacuh a Payaman (Marlboro Hills)Machu Picchu HouseAbout LubangHow to Get to Nagpatong Rock by Public Transport:A Glimpse of Manila Metropolitan Theater | LakwatseroAbout LunaAbout Capul IslandAlalum Falls: Shared Majesty of Sumilao and Impasug-ongSnake IslandZunsibarPico de Loro Frequently Asked Questions (FAQs)Tulay na Bato Falls48 Hours in Brisbane: A Quick Guide & ItineraryAbout BiriTales of a True Wanderer: The Joys and Pains of Solo Travel | LakwatseroWelcome to Surigao del SurMt. Palay-Palay  National ParkAbout PagudpudFive Levels of Aguinid FallsIntroducing San Pascual, MasbateMount Manmanoc ItineraryAdventures in Fortune Island of Nasugbu | LakwatseroNext Level Mobile Photography with Sony Xperia XZ1 | LakwatseroScuba Diving in Siargao: Discovering the Underwater Treasures of Daku Island | LakwatseroAbout Davao CityHow to Get to AndaJanuary: Cebu & IloiloHow to Get to Mines View ParkKamay ni Hesus: Pilgrimage Site in Lucban | LakwatseroPoon Hill: Three Days of Himalayan AdventureCalvary Hill Cemetery of SagadaHow to Get to TambobongMilford SoundTen Things To Do in Sagada: Bucket List for NewbiesDahoyhoy FallsPilot for a Day: The Ultra Light Aircraft Experience | LakwatseroReal Coffee and Tea Cafe of Boracay | LakwatseroGhorepani Poon Hill TrekAbout Maniwaya IslandHow to Get to Binanga FallsPalo Alto Falls of Baras, Rizal | LakwatseroExplore Moscow: Best Things to Do in the City | LakwatseroStairway to HeavenMount Guiting-Guiting Overnight Trek Complete ItineraryCape Melville LighthouseLa Cathedral Café: Restaurant with a View in IntramurosKapurpurawan Rock Formation: White and BeautifulDay Hike ItineraryThe Sandbox at AlvieraHow to go to Mararison IslandA Weekend of Adventures in South Cebu and DumagueteCalayan Island: A Virtual Diary of Our Epic Journey | LakwatseroFaro de Isla Jintotolo (Jintotolo Island Lighthouse)Low’s PeakAbout Taal VolcanoHow to Get to Mag-aso Falls of BoholSamar: Biri Rock Formations Up Close | LakwatseroBonbon BeachIntroducing Jomalig IslandAbout Cotabato CityAbout TabukLeyte Landing Memorial: A Memorial for a Fulfilled Promise | LakwatseroSilyang Bato, Mount MaramiPanimahawa Ridge and Cedar Falls Day Hike ItineraryFun in the World’s Best IslandSample Albay ItinerariesMagpupungko Beach and Tidal Pools6 Tips for Living in the Philippines | LakwatseroDaraga Church: The Nuestra Señora dela Porteria ChurchTulgao Rice TerracesCape Melville Lighthouse (Faro del Cabo Melville)Canyoneering to Kawasan FallsLake FewaLong Weekend: Five-Day Suggested Itineraries in Luzon | LakwatseroAbout CaponesThe Wichcraft Café of Zamboanga City | LakwatseroHow to Get to GuiuanAll-Female FloorHow to Get to Neri’s VilleDiotay’s EateryShort but Sweet Melaka Getaway | LakwatseroHow to Get to Tinuy-An FallsOslob: The Lost Grandeur of Tumalog Falls | LakwatseroIlocos ItineraryDitumabo Falls: The Mother Falls of San Luis, Aurora!Biking in Kalinga: Trek and Bike to TabukParadise Garden: A Haven for Sea TurtlesSiargao: Magpupungko Beach and Tidal Pools | LakwatseroAbout Bucas GrandeCoral GardenSagadaA Walk in Sangay Siapo Island Before it is Gone? | LakwatseroAmbaguio-Akiki ItineraryCorregidor Island Lighthouse (Faro dela Isla de Corregidor)Faro de Punta de Malabrigo (Malabrigo Point Lighthouse)About CulionNaidi Hill LighthouseBoquete IslandHow to Commute to Temple of LeahCatanduanes: The Heritage Church of Bato | Lakwatsero1. White Water Rafting or KayakingMount Fuji Overnight Climb ItinerarySip & Gogh Paint Studio: Unleash Your Inner Van Gogh | LakwatseroBatanes ItineraryHow to Get to Quitinday HillsAbout Callao CaveDiscover LakawonBiking to Taal: A Fun Ride to Batangas’ Heritage TownAntique Blooming: The Rafflesia of San RemigioMalasimbo Lights and Dance FestivalBacolod ItineraryPoon HillAttractions in Mirador Heritage and Eco ParkHulhumale Public BeachRomblon Island: Bonbon Beach, Tiamban Beach & MoreAdventure in Sabah: White Water Rafting in Padas River | LakwatseroHow to Get to Hinakpan Mystical HillsWelcome to Lake SebuAbout CasiguranAbout BuscalanHow to Go to Kalanggaman IslandFaro de Cabo Bojeador (Cape Bojeador Lighthouse)Backpacking Maldives: Budget Itinerary, Expenses & TipsHow to Get ThereOffbeat Bohol Itinerary: 3D/2N of AdventuresHow to Get to Tawi-TawiAlona BeachPangilatan Falls: The Forgotten Gem of Tapaz, CapizWorld War I: SMS Cormoran II3D/2N Taiwan Itinerary: Taipei – Yehliu – ShiffenLaos for Backpackers: Getting There on a BudgetBasic RequirementsHow to Get to Antong FallsCathedral CaveHow to Go to Gubat, SorsogonAbout SadangaHow to Get to Bugui Point LighthouseHow to Get to Cabra Island LighthouseCebu Itinerary: Three-Day Adventures in the SouthAbout AndaLuna: A Day in the Show Window of Apayao | LakwatseroMargues Blue LagoonFinding Palaui’s Cape Engaño Lighthouse | LakwatseroHow to Get to Mantayupan Falls of Barili, CebuHow to Get to MaligcongLinapacan Islands: Between Paradise | LakwatseroKLIA to KLCCHow to Get to JomaligBanaug ShoalEspadang Bato – Payaran Falls Day Hike Itinerary10 Remarkable Philippine Destinations for Solo TravelMiagao Church: A UNESCO World Heritage Site in IloiloAbout Carbin ReefAbout Parola IslandCabra WreckageCobra Falls: Ozamiz City’s Best Kept SecretBasco: The Chapel on the Hill of Tukon | LakwatseroBack in Kathmandu’s Lovely Mess | LakwatseroHimalayan Adventure: Kathmandu to Pokhara Overland | LakwatseroItineraryChinatown Vancouver (Stop #23)Situbo Falls: Tampilisan's Awesome SurpriseHow to Get to Inambakan FallsTuasan Falls: Another Camiguin’s Charmer | LakwatseroHow to Get to Lake SebuMarinduque Loop: Biking in the Heart of the Philippines1. Batanes: A Piece of HeavenMe Gusta Sunzibar Tacloban! | LakwatseroHitachi Seaside Park: Quick Guide from Tokyo and NaritaBeautiful Islands and BeachesSunzibarTrekking NotesSnapshot: In Love with Batulao | LakwatseroPalaui IslandHow to Get to Mount PinatuboBicycle Diary: The Ride to Infanta | LakwatseroSwimHow to Get to Osmeña PeakDaranak Falls of Tanay Rizal | LakwatseroHow to Get to Stobosa Hillside Homes ArtworkSurf or Learn to SurfDIY Solo and Self-Guided Trek to Annapurna Base CampBatanes by Bike: North Batan Tour | LakwatseroThe BeachSta. Cruz Grande IslandBasilica de San Martin de ToursBaguio Budget Stay: Upstairs Bed & Bath | LakwatseroBiking in Batanes: Batan Island Loop | Lakwatsero