My assumption being that most of the people are rational and there should be a reason for any things we do be it conscious or unconscious. This post is not an exception as well, my raison d’etre here is to brain dump the experience about Malta and maybe get a little bit of satisfaction if someones find it useful.

So little bit of back story – around 2+ years ago or so I found myself living in Lithuania and something always nagging me at the back of my mind to get myself somewhere and try to feel what the Expat life is outside ones home country. I did travel before in Europe and US, but its not the same as actually moving out. Being a subscriber of International Man, I got this newsletter about Jurisdiction review and it was Malta, because of some program they offered to “buy” a passport or to make it more politically correct – residency investment program . In any case, the article had some good things to say like being warm almost all year round, English as a national language, etc. Then the idea of living there kind of stuck with me for awhile. Then one day I decided its time to test it and go see it for myself.

Well long story short I made a vacation/evaluation trip for one week and it left me a good impression, to the extent that I thought to myself I could try to live here. So after few months I managed to land an IT job after getting in touch with some recruiters and then after packing the bags, moved for my first Expat lifetime experience.

Now that I lived there for around 20 months and moved to a different location – to be precise Dubai in UAE, which will deserve a blog post of its own one day – I can reflect on some key indicators how life looks like from a foreigners perspective.

People

It doesn’t matter how beautiful or fancy a place is we still get most of our experiences from people being social animals anyway, even if you’re a hard core Robinson Crusoe fan. Malta being a small place 316 km^2 you would think that people would be swarming in the streets. Well unless you are in a popular area where only 1 person fits on a sidewalk it doesn’t feel that overcrowded. Compared to any bigger city it feels that you have all the space you need, unless taking a bus to a touristy location.

So how many are there Maltese on an island?

Pure citizens around ~400k and you see a steady growth in the chart. Of course knowing that this is government statistics you could easily adjust 5-10% on either side. Though my guess (not confirmed) the growth is mainly from immigration like EU Expats who register their residency, thought I couldn’t find the birth rate statistics, but as in all Europe I would bet that isn’t enough to grow the populace. Now lets look at the migrating population called tourists:

Here you can see a bit of steady growth as well reaching nearly 2 million a year. Which compared to the actual population of an island are not bad numbers. Thought this comes to the questions whats a resident and a tourist, given that you live in EU and can travel freely on and off, its more than likely that there is another shadow resident group who might been accounted as tourists, but never left, unless your employed then tax man will definitely account for.

After seeing the numbers you probably wonder now what lies behind them, what kind of people are Maltese, their habits and way of life. Well as some say there is hardly a man who is the same, but culture and environment does bring some generic character tendencies which lead to stereotyping and making some assumptions about the populace. I would describe standard Maltese citizen as one driving a car and eating pastizzi – which is beloved pastry.

Now this caricature is based on observations and other peoples feedback mostly so you should take it with a grain of salt, but let me continue. Malta has more cars than residents or at least the numbers are pretty tied. This can only mean one thing, they like to drive! Myself being on the opposite side more a walker than a driver I would always find fascinating that to someone walking half a mile is comparable as getting involved in an unfortunate accident. So if a person wants to go anywhere, literally anywhere not using a car is something abnormal and remember this is Malta not U.S. size wise.

Now where does the pastry thing comes in? Well obesity numbers like in most western countries aren’t that good, but knowing that pastizzi is extra bad for you, it makes things worse. Funny is that government doesn’t actually collect them or at least doesn’t publish. Thought even without statistics if you go to literally any place and look at any Maltese person very likely he’ll be overweight, this is even worse in children and teenagers, just by looking how bodies develop already sets up them with a lifetime of medical problems!

Of course there are a bunch of other factors that help this drive forward, one example comes to mind – french fries served with almost any meal, actually this is the standard side dish they serve if you don’t ask for anything else. Fast food in general is the majority of the restaurant share here and the traditional cuisine contains almost something like potato chips, meat, potatoes and much more of other heavy stuff – I’ll touch on those a bit later. Sure there are a lot of fish to get around, but for some reason its not that common in a day to day diet, but rather an expensive meal at some fancy restaurant.

Now Maltese themselves from my personal experiences are actually pretty friendly. Sure they like to talk a LOT and some of them can be a bit loud depending on the circle, but in general if you need any help you’ll likely get it. Other characteristics which I encounter are “relaxed”, but some of them could fall in to lazy category, but being traveled around south Europe a bit, I can say southern mentality has developed in such a way maybe due to conservation of energy in hot summers? (piano piano). Thought that does lead to some other factors now that almost all cars/places are air conditioned you could say this conservation doesn’t make much sense. But put yourself for a minute in that persons shoes who lived by this rules all his life, would you be willing to throw away the way of living due to some technological improvement? No way, what I would say (even heard at one point) they would rather die then become inconvenient!

Could I say this should be an ideal place for a future Expat/entrepreneur? As you can outcompete everyone – well yes and no. I’ll touch on this a bit in the economy part, but being different here actually doesn’t matter in the eyes of Maltese much, as to him you are most likely a tourist even if you live there as a resident. That’s why even after living here for a year you stop being surprised by getting asked all the time “where are you from”.

Government

Now probably my most intriguing part at least from curiosity perspective is what kind of government Malta has? Well as with all governments you could say its inefficient, dysfunctional and bureaucratic in nature and being a small country you would expect it to be small. There is definitely truths in all of these aspects, but the strange part is that people here, at least Maltese themselves, have high expectations of government itself. All of the elections get followed by huge celebrations. Of course there is no denial that here any celebration is welcomed just so there is an opportunity to “relax”. This can be seen easily when there is a marathon of festivals which start in April and go on in every village (so called mini regions) every week. But getting back to the government there are 3 parts that struck me:

  • The system is outdated as almost anything requires paperwork, nothing is online
  • If you are not Maltese then “special” rules apply
  • Getting something done in a reasonable amount of time requires insider connections

Having visited few government agencies I can only say one word – patience! One common example is when you move to Malta it is advisable to apply for a residency card. If you don’t have one every government agency will just stare at you if you try to get any paperwork done. One issue is that it takes at least 3 months to get one done and that is if you are EU citizen, unless you are a bit lucky and manage to give a good reason to get it faster. I did manage to hack it a bit, getting in 1 month by stating I need it for starting a drivers license course, which was actually true.

If you want to really know what government is doing all that’s necessary is follow the money trail. Unfortunately I couldn’t find any reasonable statistics (at least on government site) of where the budget goes, but from some observations and talking to the locals I can distinguish few main areas:

  • subsidies – public water is partly paid by government as it is energy intensive, because of water desalination due to lack of ground water
  • crumbling public infrastructure – you see road work all over the place
  • welfare – healthcare is by majority public with some limited amount of private clinics available
  • other gov projects – education, EU projects, transportation etc.

One thing I should credit the government is their perfection of utilizing EU in general. If you look back at history not so long ago (15 years back or so) Malta was generally considered a poor country similar to Sicily just another tourist destination. Though once they joined EU and did couple of better decisions to make it more attractive offshore jurisdiction, easier regulation for industries like gambling combined with easy travel as being part of Shengen zone it literally transformed its economy just in less then 10 years, making property owners quite well off. Another thing they managed to benefit is by ingesting a lot of EU funds through different projects where you can see 80-90% is funded by Brussels and the rest is by own government. Latest of this dealings which I saw myself is huge life science research center being build on those terms. Mis-allocation of capital is also common like bicycle paths that are “hacked” together just by adding some cheap paint on the road without changing the rules in any way.

Finally no government discussion is finished without touching the tax collector. Here I had to deal with them only once and by mail, yes regular mail. Basically once your in the system, you are required to declare your taxes first time just that “they” know you don’t have any other income besides the regular job. Though the nature of regulation is still primitive and being in a south as well tax evasion is not uncommon. Especially when it comes to unregulated incomes like rents, which technically require you to have a contract on which basis they can see how much income they should tax, but that is more a formal request which not many landlords follow and cash type transactions are prevalent mostly.

So in summary on one hand I would say government is on a far end of being inefficient when you have to deal with it, but on the other hand it tends to not to leave you alone on daily basis unless you really put an effort for getting into a spotlight. In that case you would be instant celebrity as almost any small abnormality doesn’t get missed by Maltese online journalism, as Queen would sing – show must go own.

Real Estate

Given that Malta is 186th country by it’s size or so, that’s smaller than most of larger cities there is no surprise that real estate is the big thing. Once EU gates have opened and suddenly the place became attractive, yesterdays worthless land owners became todays millionaires. If you ever wonder who in the world would buy Ferrari’s or Lamborghini’s in a small place where there is no runway to even accelerate enough? Now you know the answer! They even have a saying – if you buy some real estate you should never sell it as it will always goes up, at least until there is still demand for it. This over bullishness always strikes as a warning signal, nevertheless signs show that there is still a lot of room for growth, and few reason why:

  • Space is limited and to make matters worse the new construction is concentrated only in few places leaving only a small portion of an island used for new development and increasing existing property prices even more
  • Expansion is pretty moderate, even thought there are new houses built, the prime areas are already pretty much full. Also worth mentioning that majority of buildings are only few stories high, not your Hong Kong style apartment complexes.
  • Even if bigger construction projects would start to fill in the demand the things take so long to get done here that it would take years before actual supply would kick in. As an example you could say there are more businesses coming in and all, but new offices apart from one big building (Portomaso) build by Hilton are not built at all. This leaves no option but to repurpose existing residential properties as offices.

These are only few point from my observations and reasoning, someone from inside the business probably could list dozen more. So unless the island would get bombed like in the WWII or occupied by Ottomans in future I don’t see any signs of prices going down any time soon.

This not only affect prices for buyers but more significantly are tenants. Malta being in a sought Europe where markets tend to be unregulated, landlords have the luxury especially at peak seasons in summer to just increase rent prices year over year. To make matters more interesting, this is a go to strategy for Maltese to ensure their future pension and wellbeing by buying a apartment and renting to some rich foreigner, then enjoying the rest of the days in the beach. Naturally with prices and players rising at the same time, this strategy is becoming too much abused, which also stagnates any other possible business areas that could be developed. On the other hand as market is rather small unless your in tourism, doing local business doesn’t have many prospects apart just creating a job for yourself. Thought this doesn’t stop entrepreneurial minded Chinese to sprang up a bunch of “massage” parlous all around – seeing multiple of these establishments in one street is a common sign. I even had a luxury to live near one and honestly I was always wondering how they manage to survive with almost no customers (visibly) coming in, but I guess thats a mystery that can be solved in the future.

Service

So finally we came to the part that takes most of the visitors by surprise. Did you say bad service? What do you mean by it as that thing doesn’t exist at least not in the minds of local folk. From mechanic to waiter or bank employee you will realize soon that “doing business” with them means that its they who do you favor for serving you not the way around. My guess it runs deep into the cultural mentality and being reinforced with limited competition or I would rather say silent agreement lets all don’t care and noone will have any choice anyway.

The funny thing is that this drives even Maltese themselves crazy when they are in the customer role and make jokes about it, but when you see how they act once the roles are reversed then thought “its not my problem” is the usual. Unless you really have someone on your side and ASK directly to do something for you you’ll rarely get any honest help, not unless its in the persons favor.

Now you could say that I’m just bashing and complaining about this, but on the contrary I see this as an opportunity for anyone willing to take the leap and bring up the service standards. Note that the upside might still be limited if you concentrate only on local market. On the other hand caring for service first would do a favor to the local population and yourself if you plan for a long haul stay.

Police & security

Now my favorite part is the state of law “enforcement” here. To make this more visual I’ll tell you one of my personal stories. So I’ve liked to use Malta as a spring board to visit other southern Europe countries – Italy, France, Greece and almost best part of experience was when I would get back to the island with and adventure of getting back to my lair. To limit my travel costs a bit instead of using a taxi, I found that airport shuttles were quite convenient, until one time. So I land, go to the shuttle booth and make a booking. Then after 20 minutes some guy gets assigned to me and other lucky guests to bring us to our destinations. We sit in his minivan and he kind of got an idea that we should wait more, we’re in the van already it shouldn’t be a problem just to wait a little longer, right? Its not like you would escape anywhere else and money is paid already. After waiting another 30 min or so, one older German fellow couldn’t take it anymore and just left (the first reality check of service what I mentioned before). Fortunately, the driver finally decided that we should start our fun ride. Not waiting too much, he pushed the accelerator to the bottom and our journey begun. The strategy goes like this:

  1. If someones hold you up which is on almost every stop just beep him twice, then if you can accelerate in opposite side of the traffic and try to take him over.
  2. The speed limit is how much you can accelerate before reaching the other end of a street. Note that this works also for one way streets where anyone can hop out of a corner.
  3. The best one – if you see a policeman you just complain why the other guy is holding up the traffic

So it was no surprise when the guy blabbed something to 2 traffic cops and decided to go on opposite traffic direction and once the police realized after a minute what he was doing and just kindly tried to explain that his actions might be incorrect or the other time when someone got hold up he just shouted at some beside cop why doesn’t he do anything! The policeman was just standing without making any sense. So saying that traffic laws and their enforcement is ignored literally by everyone would be just understatement, its not just ignored but made fun off; Speed control doesn’t exist except for some speed cameras which ALL have warning signs. With all this you would think how anyone can get anywhere in this chaos? Well, first thing crime rate is almost 0. I would even say its mostly a waste of money mostly as it just doesn’t match the culture, especially when people like to take matters to their own hands. So to sum up my story, with culmination when the guy left out one passenger from the back and he didn’t close the van sliding door properly. Now going out and close it would be a thing a looser would do – so push the gas, hard brake and door will… close. Ah, didn’t worked the first time, no problem lets try again. I just had to constraint myself not start laughing but, this is the true tourism experience you wouldn’t get in any attractions on the island. To sum up see this video which says everything about the nature of drivers or I would say motorist they call them here.

Oh and one more side note which I find amusing, when you come into any bank there is a security guard that let only one person enter at a time. Not only that they also have bullet proof vests, a gun and are almost ready to bring down someone. Noone would probably show any statistics how many robberies they prevented, but oh they would just stay it acts as a deterrence.

Tourism

Tourists are the thing that makes the island spin at least it shares the biggest part of the wealth generation. Even though taking into account what I said about competition and service this is one area that business had to make an improvement at least for acquiring customers. If you want to go on some boat cruise or other trip its likely you can bargain the deal to half the price and even getting all of the extra things if you have a stomach for these package trips. When tourism influx started growing there was a lot of these boat shops big and small that sprung up, without taking into account any supply/demand, so I wonder what their margins are but knowing that they all still seem to be afloat (pun intended). This indicates at least either they have enough to get by or just use some sort of subsidies which from some rumors I heard are possible if you know who to ask and of course be a local.

Apart from business side, I can say getting the real experience here like most of other places you really don’t need any agency, just walking the streets in mid day or mingling with some folk will usually give you the best taste how the place feels. I think the tourism they offer is more from last century and serves as a convenience rather than experience. Nonetheless there is a market for both in my opinion and the latter seems more than a bit undeserved. Malta being so rich in history and nice historical places tailoring a unique individual experience seems like a good opportunity. Similar to what boutique Japan <link> is doing. Other than that I don’t want to go into the detail of what to see or must visit places as there is already more than enough articles/blogs that cover that already.

Economy

By this part you should have already a fairly good picture of overall state of how might local economy look like here. I can add that its growing steadily in terms of rising wages and profits coming in from business that like to setup offshore shops and stay at the beach at the same time. It wouldn’t be an overstatement saying its one off the few EU success stories with influx of capital & people; As migration is easy due to EU openness lots of foreign workers come to the island to have a good time and live a good life as well. Local population is small and getting specialized staff is not as easy for IT industry as an example. Which makes immigration attractive. New comers also generate more capital, rent apartments and help other business to do business. Personally I think, this is one of the driving forces that Malta is riding and will most likely keep on riding in the future.

What about Inflation? Looking at prices I couldn’t say they increased much at least not on my stay. There is also huge supply that Sicily provides for food and other goods keeps the overall grocery prices in check. Most of the expenses are related to tourist activities, like accommodation, restaurants which becoming more and more expensive at least on popular areas. Then again if you go to places that local people use the services can be very cheap especially if you mix in as a local. Couple of examples that come to mind, when I was practicing for bike license, a 45 min lesson cost me around 14 EUR, taking into account that they give a bike, insurance, all equipment and instructor. Another one, making a duplicate key cost me around 50 cents. Thought when going into a restaurant a 3 course meal can easily go to 30 EUR or more.

Politics

Maltese of all nationalities are hyper political (can this be Italian influence?) and their elections tend to follow with a huge celebrations as the new era has begun or just a reason to party. In any case having a female president which is favored by the locals seems from the side observer that people are generally satisfied with what they choose, non the less entitlement is also expected. Apart from that I can’t say much more as I tend to avoid all media coverage. Just from talking to other people I only can say politicians tend to not get involved much with daily life apart the time when need to get elected.

One interesting problem that gets attention these days is refugees. Malta being in between Africa is a common target of them, as its a ticket to EU. So it’s used as a political tool to gain some extra funds from EU to handle this situation. One recent development promoting with large funds where protested by locals in some more impoverished areas which claim the funds should be used for them to help climb a social ladder. Entitlement thinking is definitely one thing that is not alien in this small island and that goes hand in hand with politics.

Education system

Education suffers a bit from a duality due to English language which is official, but not official when it comes to public schools. If you’re an Expat, you want your children to learn English not Maltese as it has more utility to say the least, even thought not so entertaining. Nevertheless government is a protector of nationalist interests and preserving the culture. It’s only natural that they cannot abandon their heritage language as that would be a crisis of identity and therefore public schools favor teaching in Maltese.

So naturally to fill in the gap for all the Expats and modern Maltese citizens private schools are established all over that teach primary in English. You can argue that children learn Maltese at home and it’s main use would be for cultural reasons. Why would you want to limit the education possibilities just so you raise someone with same cultural identity?

The problem here is that taxes are being wasted on public school while people who can afford pay for private ones, but you could argue all together if there is a need of public schooling, though that is a different topic altogether.

Universities and colleges are also quite popular where University of Malta is the primary target. I tended to notice more social courses as quite popular ones, where science and technology doesn’t seem to have a similar importance, but then again that could be my biased observation only. On the other hand medicine studies indeed are striving, even thought all medical activities are concentrated only in one big hospital which is always overrun.

Language/Culture/Population

Of the many things you find here entertaining, language combined with culture is on top of that list, as long as you keep an open mind of course. Originally the language originated from Arabic which has most of the words – my personal favorite – Ejja! (come-on!) or mela (conversation filler word, like then…). The former one you hear it a lot in a heated discussion. Historically Malta saw a lot of mingling with other European cultures when Knights of St. John occupied the place. They left quite a bit of influence in terms of language creating some other artifacts:

  • Bongu (Maltese) – Bonjour (French) – Hello,
  • Grazzi (Maltese) – Grazie (Italian) – Thank You,

Also not to forget “alright, alright” – yes at least 2 times, which seems to replace OK entirely.

When you talk about culture these days it’s almost always equalized to food, as that seems to be universal thing that everyone enjoys, especially the tourists. Unfortunately, I cannot say too many good things about Maltese cuisine. It has been heavily influenced by Italian with most favorite street snack being pastizzi.

The other popular one is rabbit stew, just without a stew and accompanied with potatoes.

You could ask why they need such a heavy diet living in a mild weather environment – well that is probably due to some historical reasons. Not all cultural heritage is good for your health.

Personally I did caught on to one thing which was quite tasty for myself – fresh goat cheese produced in a sister island called Gozo.

For some reason I find it tasty in all shapes and forms, be it fresh, fried or heavily spiced, but its probably due to the likeness in dairy products for me. They even have some fancy names for it Ġbejna but I would just call them gozlets. Sadly, as I mentioned before, daily food is taken over by fast food restaurants which are everywhere and seems like Maltese enjoy consuming them the most.

Now when it comes to population, officially majority of people are Maltese, but as tourism is main bread and butter here or still majority of the pie, you do tend to see a lot of foreigners. Though by talking to other Expats and Maltese as well there are few major minorities:

  • Brits – past colony/retirement,
  • Swedes – enjoying warmer climate,
  • Bulgarians – better job opportunities,
  • Russians – they like warm places
  • Students – which come from all over the place in all shapes and sizes

Banking

Now for my last 3 sections it might be somewhat relevant if a person would look into internationalizing in Malta. It has some offshore jurisdiction distinctions with easier taxation policies and other things, but banking is definitely not one of them.

Malta is ruled by 2 banks, one is local called BOV aka Bank of Valleta and the other one is HSBC a legacy of colonial English rule my guess. Strangely enough give that banks are totally different in terms of ownership (local vs foreign), the quality of service in both of them is as bad is you can get. You could argue that HSBC is a little bit more modern, but the only time I dealt with them was asking how to open a bank account. The answer I was given, that I would need to wait 1 month before getting an interview. Which struck me that it’s rules are still stuck in the past.

Then having decided to go with BOV, I can say it was one of the biggest frictions I have ever had when landed on the island. Took me 5 times and few weeks of struggle to get an account open, knowing that I also had a valid job contract, being an EU citizen and all other papers in place. The climax of the final approval was requiring an utility bill copy from my home country which for some reason an official previous bank account contract with address in place wasn’t enough but mobile bill from a non-valid address for some reason met the approval status.

The process is obscure enough that you can’t even understand the logic of their requirements. Note that this was in 2014, but I would guess things haven’t changed much since then as one thing is common in an organization as close to bureaucracy as government – bank – things change slowly. Therefore you can forget about opening an account without getting boots on the ground and added patience is a requirement as well.

To be fair once you get an account, seems like they don’t charge any fees whatsoever apart from transactions which are more or less the same as in all EU banks. This was a bit refreshing compared to Scandinavian counterparts which seems like they inherited their fee policies from the tax department.

The final artifact which is a bit amusing, that cheque books are still in fashion. I know I know that this is still the case in U.S. as well and other places, but Europe seems to have discarded those quite some time ago, post-soviet countries even skipped it all together, but not every country it seems. Once something works on a scale of all country it’s a stretch to replace it.

Investment

Now the arbitrage opportunity in Malta is still probably real estate as I wrote above. Thought there are couple of other things to look around. Surprisingly, it has a small stock exchange, but it trades only government bonds and few bigger companies in banking, real estate, telco, post and airport. One of real estate plays has grown 300%+ since 2012.

Other interesting part is if you park your money in Malta there is no capital gain tax, which is encouraging given if you can get through hurdles of banking. At some point I did manage to talk to few people involved in finance. Some of them move here from Milan due to lower taxation. There are also funds that invest in local real estate calculating commission based on profits only and I actually have noted their website. Other then that the majority of people with capital are either buying up real estate or setting up some sort of business presence or just exporting Tuna to Japan, which seems to be a good source of income as well. So unless your interested in either of those plays, Malta might not be the best place for investment opportunities, but then again I can’t say I did a due diligence on this. Here one saying would fit, who looks – does find.

Taxes

The last thing that cannot be avoided, might as well write a bit around it too. Malta subscribes fully to socialism in terms of providing “free” public education, healthcare and the like. Naturally it has to get the revenue from somewhere and usual target is taxes or more precise income taxes which I have a bit more experience with. Income taxes are progressive, meaning you pay more on your earnings if they breach certain threshold. For example if you earn 9100 EUR per annum you will pay 0 tax which was the case when I came in just couple of months before new year and it felt really nice, but as always good things never last. Any income between 9100 – 14500 is taxed 15 % for all income in that bracket, so if you earn 14100, you would paying your fair share (14100-9100)*0.15=750 EUR. Then the number goes up with each level of course. For reference see all income tax rates

Progressive taxation can get out of hand when you start disincentive people to earn more, good example of this would be any Scandinavian nations. In Malta it’s still quite reasonable even comparing to Lithuania the bottom line taxes amount to ~24% rather than ~40% if you take all into account on average. Now for businesses its another story and I heard rumors one can get as low as 5% given certain conditions, but that is something you might want to check with a qualified lawyer for incorporation options.

Conclusion

Well having ranted for awhile and if you managed to go through all of this I’m truly grateful, as living in an attention economy these days getting eye balls on your ideas is harder and harder. So what can I conclude about Malta in the end? Well it’s hard to sum up everything in few words but lets try non the less:

– People – sounds cliché, but it’s definitely true here from angry guy shouting through his car window to clueless clerk in a bank or invisible waitress. Seems like there is no end of entertainment if you have an open mind to it. Don’t get me wrong, these are all good people, but you always tend to memorize the extreme stereotypes otherwise it wouldn’t be that fun to read or write.

– Landscape – this includes architectural heritage that goes from Arabs, Europeans and mixed together with rocky nature. Even though as everywhere you get used to seeing it, nevertheless it’s a refreshing view.

No wonder this was a location where Gladiator, Troy and Game of Thrones was shot extensively.

– Weather – coming from Eastern Europe where harsh winters are common, it was one of the main reasons I wanted to live in Malta for awhile. I can say it does make a difference having not too cold winters where I could still ride a bike and extended summer time swimming in a warm Mediterranean crystal clear sea.

Still these are only my main positive impressions as they say you want to be positive with experiences, but in the end I did knew I wouldn’t live here for long and seeking some sort of entrepreneurial stimulus Malta felt just a bit too slow at least for my age, nevertheless it was fun. I can’t say I won’t change my mind after 20 years or so. If you want any feedback on this I would gladly talk more, just drop me an email evaldas@castsource.net

Finally no blog post would be done with a good meme, luckily I found one just for this.