Digital Nomad Accommodation: The Nomad’s Guide to Finding Your Next Home Away from Home
Let’s dive into one of the most pivotal aspects of the nomadic lifestyle – finding the perfect place to lay our heads, set up our laptops, and feel a bit of the comfort of “home”, wherever in the world we might be. As Digital Nomads, our homes are ever-changing. One month, it’s a beachside bungalow in Thailand; the next, it’s a bustling city apartment in Barcelona. But the question always remains: How do we find these spots that become our temporary havens? Well, after 4,5 years on the road (and many lessons learned), I’ve gathered some wisdom and resources I want to share with you.
The Most Popular Digital Nomad Accommodation Platforms
Finding the right accommodation is about balancing cost, comfort, convenience, and community. We need places that not only fit our budget but also inspire our work and connect us with like-minded souls. So, where do we start? Let’s dive into my personal go-to resources:
1. Airbnb
Pros:
- Vast Selection: From private rooms to entire homes, Airbnb offers a wide range of options in nearly every corner of the globe.
- Personal Touch: Many hosts go the extra mile to make your stay comfortable, offering local tips and home comforts.
- Flexible Options: Whether you need a place for a night, a week, or a month, Airbnb can accommodate you.
- Discounts for Long-Term Stays: Many hosts offer big discounts if you stay one week or longer. That can quickly sum up!
Cons:
- Inconsistent Quality: While reviews help, there can still be surprises regarding the quality and accuracy of listings. For me, it’s a big red flag if a listing doesn’t even have a rating yet. Unfortunately, we’ve had bad experiences with that.
- Service Fees: The added fees can sometimes make stays more expensive than initially anticipated.
2. Booking.com
Pros:
- Diverse Accommodations: Beyond hotels, Booking.com lists apartments, hostels, and even some unique properties like treehouses and igloos.
- No-Fuss Cancellation Policies: Many listings offer free cancellation, giving you flexibility in your plans.
- Reviews: Extensive reviews provide insight into what to really expect.
Cons:
- More Impersonal: Lacks the personal interaction with hosts that can be found on platforms like Airbnb.
3. Flatio
Pros:
- Lease Agreement: Flatio provides a binding rental contract that safeguards both the renter and the property owner, promoting a clear and professional rental process. This contract can also serve as address verification and for visa applications, making it an excellent choice, particularly for Digital Nomads.
- All-inclusive Bills: Renting through Flatio means you won’t face extra utility charges. The rent covers all expenses, such as power, water, and internet, simplifying budgeting for tenants.
- No Deposits: Flatio’s listings are mostly free from security deposits, easing the process for renters to secure a desirable place without straining their finances.
- Viewing Options: Beyond available virtual walkthroughs for certain properties, Flatio enables potential renters to visit most locations in person by coordinating with the property owners, allowing for a thorough evaluation before committing.
- Flexible Termination: Recognizing that circumstances can shift, Flatio offers adaptable lease termination policies, providing renters with greater leeway.
Cons:
- Availability Limited to Europe: Flatio‘s operations are primarily concentrated in Europe, which might not cater to individuals looking for accommodations outside of this area.
- Mainly Whole Properties Available: Most of the properties listed on Flatio are whole apartments and houses for individuals who prefer privacy. If you’re looking for shared workspaces or a more communal environment, this may not be the best option.
4. Facebook Groups, Marketplace, and Local Forums
Pros:
- Local Insights: Access to local knowledge and off-the-beaten-path finds that you might not discover on larger platforms. I made the best deals so far through Facebook Marketplace in Thailand and Indonesia.
- Direct Negotiations: The ability to negotiate directly with landlords or roommates can lead to better deals.
- Community Support: Immediate access to a community for advice, socializing, and networking.
Cons:
- Less Security: Fewer safeguards in place compared to established rental platforms.
- Inconsistent Availability: Listings can be hit or miss, and the best deals go quickly.
5. Coliving.com
Pros:
- Community-Centric: Perfect for Digital Nomads looking to connect with others, offering communal spaces and organized events.
- All-Inclusive: Bills, cleaning, and sometimes even meals are included, making budgeting easier.
- Productive Environment: Many co-living spaces are designed with workspaces to facilitate productivity.
Cons:
- Limited Privacy: Sharing spaces with others may not be everyone’s cup of tea.
- Availability: Co-living spaces are not as widespread as traditional accommodations, so options may be limited depending on your destination.
6. VRBO (Vacation Rentals By Owner)
Pros:
- Wide Selection of Properties: VRBO offers a vast array of vacation homes, ranging from cozy apartments to luxurious villas, catering to different tastes and budgets. This variety makes it easier for travelers to find the perfect match for their stay.
- Family-Friendly Options: Many properties on VRBO are designed with families in mind, offering amenities like kitchens, laundry facilities, and multiple bedrooms. This makes it an ideal choice for Digital Nomads traveling with their loved ones.
- Detailed Property Listings: Each listing on VRBO includes comprehensive details about the property, including photos, amenities, and reviews from past guests. This transparency helps travelers make informed decisions.
- Secure Payment Platform: VRBO provides a secure platform for transactions, ensuring that your booking process is safe and reliable. This peace of mind is crucial for long-term travelers handling significant payments.
- Customer Support: VRBO offers customer support to assist with any issues during the booking process or stay, adding an extra layer of security and convenience for travelers.
Cons:
- Service Fees: VRBO charges a service fee for each booking, which can add to the overall cost of your stay. It’s important for budget-conscious travelers to factor this into their planning.
- Less Flexibility for Short Stays: While great for longer vacations, VRBO might not always be the best option for shorter stays or those seeking more transient accommodations, as many owners prefer longer rental periods.
- Variable Cancellation Policies: Cancellation policies on VRBO can vary widely depending on the property owner, which might pose challenges for travelers needing flexibility in their plans.
- Direct Owner Interaction Required: Booking through VRBO often involves direct communication with the property owner, which can be a pro for some but may be seen as a con for travelers preferring a more hands-off approach.
7. TrustedHousesitters
Pros:
- Cost-Effective Accommodation: TrustedHousesitters operates on a unique model where travelers provide pet and home care in exchange for a place to stay, eliminating accommodation costs. This can be incredibly beneficial for Digital Nomads looking to save money on long-term travel.
- Global Opportunities: With listings in over 130 countries, TrustedHousesitters offers a wide range of locations, giving Digital Nomads the flexibility to work from virtually anywhere in the world while experiencing local life.
- In-Depth Profiles and Reviews: Both house sitters and homeowners have detailed profiles with reviews, which helps in making informed decisions and ensuring reliability and trustworthiness from both parties.
- Community and Support: TrustedHousesitters has a strong sense of community and offers excellent support, including a 24/7 Vet Advice Line, which can be particularly reassuring for those taking care of pets.
- Unique Travel Experiences: Being a house sitter allows for unique and authentic experiences, living like a local and often in places that offer a more personal and homey feel than traditional accommodations.
Cons:
- Commitment to Responsibilities: The arrangement requires taking on the responsibility of caring for pets and the home, which might not suit everyone, especially those looking for a more leisurely or flexible travel schedule.
- Membership Fee: To access the listings and apply for sits, both sitters and homeowners need to pay an annual membership fee, which might be a consideration for those unsure about how frequently they’ll use the service.
- Competition for Popular Locations: Some destinations can be highly competitive, with many sitters applying for the same opportunities, which might make it challenging to secure a sit, especially in sought-after locations or during peak times.
- Lack of Financial Compensation: Unlike traditional house-sitting jobs, sitters do not receive payment for their services, which might not be ideal for those looking to earn an income while traveling.
8. Agoda
Pros:
- Extensive Accommodation Options: Agoda boasts a vast inventory of accommodations, including hotels, apartments, vacation homes, and hostels. This diversity ensures that Digital Nomads can find lodging that suits their preferences, whether they’re looking for luxury or budget options.
- Competitive Pricing: Agoda is known for offering competitive prices, often featuring deals and discounts that can lead to significant savings for long-term travelers looking to manage their budget effectively.
- AgodaCash Rewards: With the AgodaCash rewards program, users earn points with every booking, which can be redeemed for discounts on future stays. This feature is particularly appealing for Digital Nomads who travel frequently and can accumulate substantial savings over time.
- 24/7 Customer Support: Agoda provides round-the-clock customer support, offering assistance with bookings, cancellations, and other inquiries, which is invaluable for Digital Nomads navigating accommodations in different time zones.
Cons:
- Varied Cancellation Policies: Cancellation policies on Agoda can vary widely depending on the property, which may lead to confusion or inconvenience for travelers who require flexibility in their plans.
- Service Fees: While Agoda offers competitive pricing, service fees are added to bookings, which can sometimes be overlooked by users at first glance. It’s important to consider these fees when budgeting for accommodation.
- Inconsistent Quality Reviews: The quality and reliability of reviews on Agoda can vary, making it challenging for travelers to gauge the true quality of an accommodation. Digital Nomads may need to cross-reference reviews on other platforms for a more accurate picture.
- Preference for Short-Term Stays: While Agoda offers a wide range of accommodation options, the platform is primarily geared towards short-term stays, which might limit options for Digital Nomads seeking longer-term arrangements.
9. NomadStays
Pros:
- Designed for Digital Nomads: NomadStays is specifically tailored to meet the needs of Digital Nomads, offering accommodations that come equipped with reliable internet, workspaces, and a community of like-minded individuals, which can greatly enhance productivity and networking.
- Instant Bookings: One of the standout features of NomadStays is the ability to book stays instantly without the need for pre-approvals from hosts. This can save a significant amount of time and hassle, making the process more efficient for Digital Nomads on the move.
- All-Inclusive Pricing: The platform offers transparent, all-inclusive pricing that covers not just the accommodation but also utilities, internet, and, often, coworking spaces. This makes budgeting simpler and more predictable for long-term travelers.
Cons:
- Limited Geographic Coverage: Currently, NomadStays might not offer as wide a geographic coverage as some of the larger, more established platforms. This could be a limitation for Digital Nomads looking to explore less popular or more remote destinations.
- Variability in Community Engagement: While one of the perks of NomadStays is the built-in community, the level of engagement and activity can vary greatly from one location to another, potentially affecting the social aspect of the stay.
10. Anyplace
Pros:
- Flexible Lease Terms: Anyplace specializes in flexible leases, allowing Digital Nomads to book accommodations for a month, several months, or longer without the commitment of a traditional lease. This flexibility is crucial for those who prefer not to be tied down to one location.
- All-Inclusive Pricing: Similar to Flatio, Anyplace offers all-inclusive pricing that covers rent, utilities, and often high-speed internet. This makes financial planning more straightforward and avoids the hassle of setting up utilities in a new place.
- Wide Range of Accommodations: The platform provides a variety of accommodation types, including apartments, co-living spaces, and extended-stay hotels, giving Digital Nomads the freedom to choose what best fits their lifestyle and budget.
Cons:
- Higher Price Point: Due to the convenience and flexibility offered, Anyplace tends to have a higher price point compared to directly leasing an apartment. Digital Nomads on a tighter budget may find it challenging to find affordable options.
- Limited Availability in Certain Areas: While Anyplace is expanding, there may be limited availability in less popular or more remote destinations, which could be a drawback for Digital Nomads looking to explore off-the-beaten-path locations.
Enjoy 250 USD off your first booking by using my link: www.anyplace.com/c/lululf0e
11. Behere
Pros:
- Tailored for Female Digital Nomads: Behere is designed with the female Digital Nomad in mind, offering safe, vetted accommodation, coworking spaces, and fitness studios. This focus on safety and community is a significant plus for women traveling solo.
- Flexible Living: Behere provides the flexibility to book month-to-month accommodations, allowing Digital Nomads to move freely without long-term commitments. This flexibility is ideal for those who prefer not to be tied down to one location.
- All-Inclusive Amenities: Just like Flatio, Behere offers accommodations with all-inclusive amenities. Utilities, high-speed internet, and workspace access are included in the price, making the transition to a new city seamless and hassle-free.
Cons:
- Limited Destinations: Currently, Behere’s offerings are focused on select cities around the world, which might limit options for those looking to explore less common Digital Nomad hubs or more remote locations.
- Premium Pricing: Given the curated experiences and focus on safety and community, Behere’s pricing can be on the higher end, which might not fit all budgets, especially for Digital Nomads just starting out or those looking to minimize living expenses.
12. Flataway
Pros:
- Streamlined Booking Process: Flataway simplifies the search for accommodations by offering a curated selection of properties specifically geared towards Digital Nomads and long-term travelers. The platform’s straightforward booking process saves time and reduces the hassle often associated with securing temporary housing.
- Diverse Accommodation Types: Unlike platforms that focus solely on traditional apartments or homes, Flataway provides a variety of accommodation types, including serviced apartments and even one boutique hotel, giving Digital Nomads the flexibility to choose what best fits their lifestyle and needs.
- Transparent Pricing: Flataway emphasizes transparency in its pricing, with no hidden fees. The prices listed include all utilities, such as electricity, water, and high-speed internet, making it easier for Digital Nomads to manage their budgets effectively.
- Pay Less: Use the code nomadmum and get 100 EUR off any bundle or subscription plan.
Cons:
- Focused Market Presence: While expanding, Flataway’s presence is still more concentrated in certain regions, which may limit options for Digital Nomads interested in less common destinations or those seeking a global array of choices.
- Limited Short-Term Options: Flataway is designed with longer stays in mind, which means it might not be the best fit for Digital Nomads or travelers looking for short-term or flexible accommodations. This could be a drawback for those who prefer to move more frequently.
13. Housing Anywhere
Pros:
- International Reach: Housing Anywhere sets itself apart with its wide international reach, offering listings in more than 60 countries. This global presence makes it an excellent platform for Digital Nomads seeking accommodations across various continents and cultures.
- Secure Booking System: The platform provides a secure booking system that includes payment protection, ensuring that your money is safe until after you’ve moved in. This security feature is particularly reassuring for Digital Nomads who are often booking from abroad.
- Designed for Students and Young Professionals: Housing Anywhere caters primarily to students and young professionals, making it a great choice for younger Digital Nomads. The listings often include student housing, rooms, and apartments suitable for those just starting their nomadic journey.
- No Hidden Fees: Transparency is key on Housing Anywhere, with no hidden fees or charges. What you see is what you pay, which helps with budgeting and financial planning for long-term stays.
Cons:
- Focus on Room Rentals: While Housing Anywhere does offer a variety of accommodation types, its primary focus is on room rentals within shared apartments or houses. This might not be ideal for Digital Nomads looking for private accommodations or those desiring more space and privacy.
- Limited Short-Term Options: The platform is geared more towards medium to long-term rentals, which may not suit Digital Nomads who prefer the flexibility of short-term stays or are constantly on the move.
14. Nomadpass
Pros:
- Global Network: NomadPass provides access to a global network of work-friendly accommodations, which is ideal for Digital Nomads looking to explore and work in various locations around the world. This wide reach gives users the flexibility to travel and work from different cities and countries seamlessly.
- Work-Ready Accommodations: All accommodations available through NomadPass are vetted to ensure they are work-ready, with reliable internet and conducive workspaces. This is a critical feature for Digital Nomads who need to maintain productivity while on the move.
- Community Access: NomadPass emphasizes community, offering Digital Nomads the chance to connect with like-minded individuals. This access can enhance the remote work experience, providing opportunities for networking, collaboration, and socializing.
Cons:
- Membership Model: Access to NomadPass’s network requires a membership, which may include upfront costs or subscription fees. This model might not be suitable for everyone, especially those on a tight budget or unsure about their long-term travel plans.
- Varied Quality and Pricing: While NomadPass offers a range of options, the quality and pricing of accommodations can vary significantly. Digital Nomads may need to spend time researching and comparing options to find the right fit within their budget.
15. Nomad Rest
Pros:
- Tailored for Digital Nomads: Nomadrest is specifically designed to cater to the needs of Digital Nomads, offering accommodations that are not only comfortable but also conducive to productivity. These properties often come with high-speed internet, dedicated workspaces, and are located in nomad-friendly neighborhoods.
- Flexible Lease Terms: Understanding the nomadic lifestyle, Nomadrest provides flexible lease terms, allowing Digital Nomads to book short-term or long-term stays without the hassle of traditional leasing agreements. This flexibility is invaluable for those who prefer to keep their plans open-ended.
- Community Building: Nomadrest places a strong emphasis on community, facilitating connections among Digital Nomads. Through community events and networking opportunities, nomads can meet, collaborate, and share experiences, enriching their travel and work journey.
Cons:
- Limited Availability: As a niche platform, Nomadrest’s availability might be limited to certain key Digital Nomad destinations. While it offers quality and tailored services, this limitation might pose a challenge for nomads interested in less mainstream or emerging nomad cities.
- Premium Pricing: Given the specialized nature of its offerings, accommodations on Nomadrest might come at a premium compared to more generic platforms. Digital Nomads on a tight budget may need to weigh the cost against the benefits of the tailored nomadic experience.
16. RemoteBase
Pros:
- Saves Money and Time: RemoteBase offers a newsletter that shares curated accommodation deals for Digital Nomads, making it easier to find liveable options at affordable prices. This service saves time and provides inspiration for new locations, removing the hassle of deal-hunting.
- Long-term Offers: It is often cheaper to stay in an accommodation for 4 weeks than for 2. That’s why RemoteBase specializes in offering deals on month-long accommodations, which cater to the needs of Digital Nomads looking for longer stays.
- Flexible Membership Plans: RemoteBase provides flexible membership plans, allowing Digital Nomads to choose between the free newsletter and a premium membership.
Cons:
- No Guarantee: RemoteBase doesn’t own properties, so it doesn’t have control over them. That means availability can change rapidly.
- Membership Costs: Access to the RemoteBase newsletter is free. But RemoteBase Premium is a subscription-based email alert service. By setting preferences for budget, location, and size, premium members receive notifications about new listings that meet their criteria.
17. Spotahome
Pros:
- High-Quality Listings with Virtual Tours: Spotahome stands out by offering in-depth listings that often include high-quality photos, detailed descriptions, floor plans, and even virtual video tours. This allows Digital Nomads to get a comprehensive view of the property before making a decision, reducing the need for in-person viewings and saving time.
- Long-Term Focus: Unlike many platforms that cater to short-term stays, Spotahome specializes in mid to long-term rentals, making it an excellent choice for Digital Nomads planning to stay in one location for several months or more. This focus aligns well with the needs of nomads looking for stable, longer-term accommodations.
- Extensive City Coverage in Europe: Spotahome has a strong presence in major European cities, offering a wide range of options for Digital Nomads exploring this region. The platform’s focus on European markets ensures a variety of choices in popular nomad destinations.
Cons:
- Limited Global Reach: While Spotahome offers extensive options within Europe, its reach outside this continent is more limited. Digital Nomads looking to explore destinations in Asia, Africa, or the Americas might find fewer options on this platform.
- Service Fee: Spotahome charges a service fee for bookings, which is something to consider when budgeting for accommodation. While this is common among rental platforms, it’s an additional cost that can add up, especially for long-term stays.
18. The Homelike
Pros:
- Wide Range of Furnished Apartments: The Homelike specializes in offering fully furnished apartments that are ready to move into, making it an excellent option for Digital Nomads and business travelers seeking the comfort and convenience of a home-like setting without the hassle of setting up utilities or buying furniture.
- Flexible Lease Terms: Recognizing the varying needs of Digital Nomads, The Homelike provides flexible lease terms, allowing for both short-term and long-term stays. This flexibility is invaluable for those who may need to relocate on short notice or are unsure of their long-term plans.
- All-Inclusive Pricing: Similar to Flatio, The Homelike includes all utilities in the rental price, covering electricity, water, internet, and sometimes even cleaning services. This all-inclusive approach simplifies budgeting and eliminates the need for multiple bill payments.
Cons:
- Primarily European Focus: While The Homelike is expanding, its primary focus remains on European destinations. This concentration might limit options for Digital Nomads looking to explore accommodations in other parts of the world.
- Premium Pricing for Premium Offerings: Given the high-quality, furnished apartments and the all-inclusive nature of the services, the pricing on The Homelike can be on the higher end, which might not fit into every Digital Nomad’s budget, especially those looking for more economical options.
19. Outsite
Pros:
- Community-Oriented Spaces: Outsite is specifically designed for Digital Nomads and remote workers, offering not just accommodation but also communal workspaces. This setup fosters a sense of community and collaboration among its members, providing an ideal environment for networking and productivity.
- Global Locations: With properties in various parts of the world, Outsite offers Digital Nomads the flexibility to travel and work from diverse locations. This global presence is perfect for those looking to explore different cultures while maintaining a consistent work lifestyle.
- Membership Benefits: Outsite members enjoy a range of benefits, including discounts on stays, access to community events, and the ability to connect with a global network of like-minded individuals. This membership model adds value for frequent travelers and those deeply embedded in the Digital Nomad lifestyle.
- All-Inclusive Amenities: Similar to Flatio, Outsite’s accommodations come with all-inclusive bills, covering utilities like electricity, water, and high-speed internet. This convenience eliminates the hassle of managing multiple bills and helps Nomads focus on their work and exploration.
Cons:
- Membership Requirement: While the membership model offers benefits, it also means that to access the best rates and perks, one must commit to a membership fee. This might not be ideal for everyone, especially those who prefer pay-as-you-go models or are unsure about their long-term travel plans.
- Focus on Community Living: Outsite’s emphasis on communal living and coworking spaces might not suit everyone, particularly those who prefer more privacy or solitude in their living and working environments.
20. Selina
Pros:
- Designed for Digital Nomads: Selina uniquely caters to the Digital Nomad community, offering a blend of accommodations, coworking spaces, and social events designed to foster a sense of community and collaboration among like-minded individuals. This holistic approach supports both the work and lifestyle needs of Digital Nomads.
- Global Footprint: With locations in some of the most sought-after destinations around the world, Selina provides Digital Nomads with the opportunity to explore new cultures and communities while having a consistent, reliable place to stay and work.
- Flexible Accommodation Options: Selina offers a range of accommodation options to suit different needs and budgets, from shared dormitories to private rooms and even apartments. This flexibility makes it easier for Digital Nomads to find something that matches their preferences and budgetary requirements.
- Community and Networking Opportunities: Beyond just a place to stay, Selina organizes regular events, workshops, and activities that allow guests to connect, learn, and grow both personally and professionally. This emphasis on community building is a significant draw for many Digital Nomads.
Cons:
- Variability in Workspace Quality: While Selina is known for its coworking spaces, the quality and availability of workspaces can vary from one location to another. Digital Nomads might find some locations better equipped than others, which could impact productivity.
- Pricing Can Be Premium: Given the range of amenities and services Selina offers, pricing can be on the higher side, especially in prime locations. Digital Nomads on a tighter budget may need to weigh the cost against the benefits of the integrated living and working environment.
What I’ve Learned About Finding a Digital Nomad Accommodation
Over my nomadic years, I’ve had my share of hits and misses in the accommodation lottery. Here are a few pearls of wisdom I’ve picked up along the way:
- Always Double-Check Wi-Fi Speeds: We’re Digital Nomads, after all. A quick speed test can save you from a world of frustration. It might even be a good idea to have the landlord send you a screenshot of a wifi speed test in advance. Better be safe than sorry.
- Embrace Flexibility: Sometimes, the best opportunities come from being open to last-minute changes and new locations. For me, this is a hard one. But in some cases, it really pays off to change plans spontaneously.
- Get Personal: Don’t hesitate to reach out to hosts or community members with questions or for advice. Personal connections can lead to good partnerships and strong bonds. Nowadays, I know a lot of house owners and managers in Koh Phangan for example. When searching for new accommodation, these are the first people I get in touch with.
- Consider Off-Season and Longer Stays: You can often snag better deals during off-peak times or by committing to a longer-term stay. I found out that we got the best deals when staying for 3 months or longer.
Creating Your Slice of Home, Anywhere
One of the most beautiful aspects of our lifestyle is the ability to make anywhere feel like home, even if it’s just for a short while. It’s in the way we unpack our bags, set up our workspaces, and explore our new neighborhoods. But while the practicalities of finding accommodation are crucial, let’s not forget the heart of what makes this lifestyle so rewarding: the people we meet along the way. Whether it’s a fellow Digital Nomad, a kind-hearted host, or a local who shares a slice of their world, these connections are what truly make each place feel like home.
Wrapping It Up: Your Next Adventure Awaits
So, dear nomads, armed with these resources and a bit of nomadic wisdom, I hope your next accommodation hunt is a little less daunting and a lot more exciting. Remember, every new door you open is the beginning of another incredible chapter in your nomadic journey.
Here’s to finding our next home away from home, wherever that may be. Safe travels, my friends, and may your Wi-Fi be strong and your adventures plentiful!
I’d love to hear about your accommodation experiences, the good, the bad, and the unexpected. Share your stories, tips, and questions in the comments below. Thank you for reading!
Please note: Some of the links are affiliate links. This means if you click on the link and purchase the item, I will receive a small commission at no extra cost to you. All opinions and advice remain my own.