Many people decide to emigrate in order to provide a better quality of life for themselves and their family – the thought of year-round sunshine, more time with loved ones, different leisure opportunities. But whatever your motivations, it is crucial you put yourself in the best financial position possible if you are to get off to a good start in your new country. And to do that, you need to give serious thought and planning to the issue of currency exchange.

OK, so it may not seem as fun as researching all about the sun, sea and sand you can look forward to enjoying. But getting a good currency exchange rate can make a huge difference to the success of your move. And if it helps maximise the budget you have to spend on your dream home abroad that has to be time well spent.

Getting the biggest bang for your buck

For some people, currency exchange may be a key factor in their choice of destination. For instance, countries in Asia, Africa and Eastern Europe with relatively weak currencies can offer great opportunities to make your savings go further.

Alternatively, among those soon-to-be-expats who have already picked their dream location, the issue will be more a matter of how to get the most from your money.

Take buying property abroad. For many expats it means exchanging your savings into the local currency of the country to where you are moving. Exchanging large amounts can be an expensive exercise though, and isn’t to be taken lightly. Therefore, many expats employ a foreign exchange broker to guide them through the process. Others simply bide their time, research the currency market, and exchange when the rate is particularly favourable.

Money matters

Foreign exchange rates are a huge factor when moving abroad – so make sure you address it as soon as possible in the decision making process.

The best advice is to do your research thoroughly. If you want help, consider using a foreign exchange broker. And if not, ensure you shop around to get the best exchange rate possible.

Related posts:

1. Your Moving Abroad Location Checklist
2. Expats Top Concerns When Moving Abroad
3. Agassi’s Open Secrets to Living Abroad

Having moved several times before, we knew how much work was involved. Still, it’s amazing to discover how much “stuff” we had managed to accumulate, and how long it takes to sort.

The question then is always what do you do with it?

Which are the essential items you absolutely must take with you when relocating? Which bits can be given or thrown away? And the biggest quandary, what do you do with the rest? You know, the stuff you want to keep, or that you think might come in useful “some day.”

Unless a friend or family member is happy to give up their garage or attic indefinitely so you can jam it full of your belongings, the only real solution is to use a self storage facility. They come with several advantages:

1)      It’s cost effective 

For one, it is inexpensive these days to rent storage space. In addition, there are no long term contracts. That means that as you settle into your new place you have the flexibility to collect your boxes when you are ready for them.

2)      It’s safe and secure 

Any self storage facility worth its salt will have effective security measures in place to protect your property. Look for 24hr CCTV and individual alarms on the storage rooms.

3)      It’s convenient 

Self storage has become more and more popular in recent years. As a result, there is probably a self storage facility[1] close by.

Where possible it is best to look for facilities near both your old and new homes. That way you always have the option of keeping any overflow you’re not sure if you want or have space for safe.

4)      It’s flexible

Unless you’re relocating to a place where the weather is pretty much the same all year round, you may also want to think about storing all that stuff you only use at certain times of the year – for example, skis or scuba gear. That way you won’t have it cluttering up the house the whole time. And that can do wonders for your state of mind!

Related posts:

1. Repatriation Advantages
2. Moving Abroad for Love
3. Expats Top Concerns When Moving Abroad

The book starts with Agassi playing his last tournament before retiring, the 2006 US Open.

He is in New York with his wife, tennis superstar Steffi Graf, and their two young children. For the duration of the tournament the family stay in a suite at the Four Seasons hotel in Manhattan. A “lovely suite,” he says, yet it remains another of those places that are what he terms “Not Home.”

Rather, home is Las Vegas. For all the evident pain of his childhood, the constant pushing of his father and resulting hatred of his profession, Agassi remains wedded to the city where he was born and raised.

Relocating for love

As a result, it is Germany’s Steffi Graf who has made the move abroad.

Like any relationship where the partners hail from different countries, one or other has to give up their homeland. For some that may be a welcome move. For others, a painful sacrifice. Yet if they are to survive as a unit there is no other option.

I’m no trained relationship counsellor, so I’m not trying to be an Agony Uncle on this. But over the years I have seen a lot of couples wrestle with this location issue, with varying degrees of success. Some have continued happy and strong. Others, unfortunately, have not.

So what lessons can these sporting idols offer?

1)      Knowing the lingo

Graf has perfect English, which is a huge benefit.

Knowing or learning the local language is crucial when moving abroad. But it is even more important when moving to a partner’s country. Seeing as they will be jabbering away with extended family and friends in that tongue, you must be able to join in if you don’t want to get isolated socially.

2)      Partner’s understanding

The home country native also has responsibilities, not least to ensure they include their partner.

That means taking them places, introducing them to friends, giving them the freedom and opportunity to make their own social circle and interact with it, supporting them through any bouts of loneliness and homesickness. Understanding and support will be critical to prevent/repair any divisions.

3)      Affirm the decision

Why did Agassi and Graf settle in Las Vegas, rather than Germany or somewhere else?

Both partners need to be clear about why they have picked that particular location, rather than another.

You need to decide why, on balance, your choice of town/country offers the best quality of life for all concerned. Why does it have to be that person’s home, rather than the other way round?

If you aren’t both in agreement on this point, resentment and subsequent rupture can easily result.

4)      Love-all

It’s a book, so there is always potential for the writer to put a gloss on things. Nevertheless, what comes through in Agassi’s autobiography is evidence of a couple that adore each other.

Staying together in a long-term relationship is hard enough as it is. Trying to do it as an expat is next to impossible unless there are strong bonds of love, respect and friendship.

Ultimately, it is the love you have for each other that will keep you focused on what matters most, and get you through the inevitable difficulties arise.

Related posts:

1. Your Moving Abroad Location Checklist
2. Expats Top Concerns When Moving Abroad
3. Currency Exchange Critical to Moving Abroad Success

Are there certain days when your cat or dog is more irritable than others? Do creatures in the wild go through mood swings? Or is it just humans?

I ask because I read this week about Cathal Morrow, an author living in Madrid. Back in June he embarked on a quest to live for a year without unhappiness, in an attempt to prove happiness is merely a state of mind.

As he writes on his blog, http://imhappyandiknowit.com/:

“What I’m attempting to live is my belief that happiness is entirely independent of the highs and lows of my little life, that it’s far bigger than me. That happiness is a permanent state for us all, if only we allow it to be.”

Being happy. We’re all looking for it, aren’t we?

Yet that appears to be the root of the problem. We’re searching for it, as if happiness is a destination that will be reached once we’ve got X, Y and Z in place.

Thanksgiving

It’s an important issue, brought into focus by this week’s Thanksgiving celebrations in the United States.

While it began as a festival giving thanks for the year’s harvest, Thanksgiving has since developed into a more general expression of gratitude.

And therein lies Mr Morrow’s secret to happiness – a determination to see the everyday brightness in life and be happy for it.

Seeking a better life

Which brings me to moving abroad.

Why is it so many people around the world – including millions of citizens in some of the most prosperous countries on the planet – want to relocate elsewhere?

For most people the interest is spurred by a desire to find a “better life,” whatever their definition may be.

Many are stirred by the potential benefits they hope to find by relocating – better weather, more leisure opportunities, lower living costs, attractive employment openings. Others see moving abroad as an escape from the unfulfilled lives they are living in their current location.

Finding Happiness

However, this desire for movement is not necessarily the path to happiness.

Yes, moving abroad can lead to a healthier, happier, richer life. But switching one country for another won’t by itself be enough. Ultimately it is an internal shift, rather than the external one, that leads to happiness and fulfilment.

Hence the importance of gratitude.

Rather than think about the things that are wrong with our lives, we should devote more attention to the things that are right.

It could be your health, or the health of your partner or children, the love of family, laughter with friends, the joy of a sunrise or waves on the beach, thanks for the food you have to eat.

Which isn’t to say you shouldn’t want to improve your current situation. It is human nature, one of the driving forces of evolution. But by stopping to give conscious thanks for those daily blessings we too often take for granted, the chances are you will be a happier person, wherever in the world you happen to find yourself.

Who could ask for a better life than that?

Related posts:

1. Your Moving Abroad Location Checklist
2. Is Your Family Ready for Your Move Abroad?
3. Good Housekeeping Article on Moving Abroad

Is it finding or settling in to a new job? Making your retirement savings stretch far enough to provide a decent quality of life? Having a healthcare system that is up to scratch? Getting your children into good schools?

According to Expat Experience[1], the latest report in HSBC’s Expat Explorer series, the top concerns keeping expats awake at night prior to relocating are:

• Being able to re-establish a social life (41%)
• Feeling lonely, and missing friends and family (34%)

The survey also found these worries affected female expats significantly more than men.

Meanwhile, missing family and friends is a particularly big concern for expats based in Australia (49%) and Canada (46%) – not surprising, since the majority were from the UK originally, and so the distances involved make regular face-to-face contact difficult.

Overcoming concerns

Such emotive issues have an obvious link – if you are worried about establishing a social life in your new destination then you are more likely to miss the existing network of family and friends you have back home.

On the flip side, if you can form strong friendships and develop a bustling (and satisfying) social life once you move abroad then you are less likely to be lonely and dwell on what you have left behind.

In short, once you land in your new location you have to make a concerted effort to get out, meet people, make friends and take advantage of whatever exciting lifestyle opportunities the country has to offer.

It’s not always easy to do. Sometimes you may have to force yourself to step out of your comfort zones. But the success of your expat venture depends on it.

Related posts:

1. Your Moving Abroad Location Checklist
2. Canadian Charm
3. Agassi’s Open Secrets to Living Abroad

And the drive home from the airport after we landed back in the UK, with the rain greasing the congested motorway, showed the stark contrast with the world we had left behind.

Since our return friends and work colleagues have been asking the same question: do we regret moving back to England?

Of course, we miss some of the lifestyle benefits Spain offers. After all, the UK is by no means perfect. Nevertheless, on balance we are happy we repatriated.

So what are the good things about living back in the UK? For me, the key ones are:

• Social Network

The number one advantage is being back among family and old friends, renewing those old, precious relationships.

• Familiar Culture

There is an ease to living in a place where you understand the societal attitudes, the sense of humour, and how the systems involved in day-to-day life work. Being able to think and speak in your native tongue once again is nice too.

• Britain’s Beauty

We have now been through all the seasons, and while the UK’s weather may not be wonderful (I’m writing this with the rain lashing outside), each reveals some special aspect of the country’s beauty.

In the months since our return we have also taken the chance to explore more of the country, and see the charm that attracts so many foreign visitors: the wonders of London, the nation’s majestic stately homes, its quaint villages and verdant countryside.

It is not always easy to see how great Great Britain is when you are brought up with it and long to escape. Instead, sometimes you have to leave to come back again.

As Irish novelist George Moore said: “A man travels the world over in search of what he needs and returns home to find it.”

That is just how I am feeling … at least for the moment!

Related posts:

1. Relocating Tips: The Advantages of Self Storage
2. Ryder Cup Showcases Life in Britain
3. Beautiful Britain

The rise of the budget airlines, and the need for other travel operators to slash prices to compete, means moving overseas is no longer the one-way journey of old.

Instead, expats within a short-haul flight of home have suddenly been able to afford to pop back for regular weekends to catch up with family and friends. And those who relocated to another continent can make their annual pilgrimage home without needing an investment banker’s salary or a second mortgage.

For those expats flying to or from the UK though, the November 1 rise in Air Passenger Duty (APD) may shift the balance.

The new rates mean a family of four flying from the UK to Europe will pay £48 in APD when travelling economy class. For journeys to the US the family will be charged £240, to the Caribbean or South Africa £300, and to fly to Australia it will cost them £340 in tax (a rise of 55%).

Add in the actual cost of the ticket, plus the inevitable wad of spending money, and face-to-face contact with old friends and family looks a lot less appealing.

Related posts:

1. Expats Top Concerns When Moving Abroad
2. Moving Abroad for Love
3. The World’s Best Expat Locations?

However, because of the strict requirements for people immigrating to the U.S., it is important to know the processes to ensure you get the right visas and documentation for a visit or smooth transition to life as an American citizen or permanent resident.

There are several ways to immigrate to the U.S. depending on the needs of your business, family, or yourself. You can choose from a work or student US visa for a temporary stay, apply for a green card if you have a spouse or relatives who are U.S. citizens, or apply for citizenship if you plan to make a permanent move to the U.S.

A green card affords permanent U.S. residency. People who hold a green card are permanently approved to work within the U.S. despite not having citizenship.

After a certain number of years people with a green card may apply for citizenship if they choose. However, it is not required – something especially important for people to know when there is any possibility of moving back to their home country.

Naturalization, or the process of obtaining American citizenship, is another option, although it applies to those who plan to make their move to the U.S. permanent. After five years of residence in the U.S., green card holders can apply for citizenship. The test required for nationalization measures knowledge of U.S. civics, as well as English language proficiency.

Overall, U.S. immigration laws change rather frequently, so it is vital to know the current regulations in advance, whether you choose to get a USA visa for work, a student visa, or you want to apply for citizenship.

This article was provided by Global Visas, the leading immigration experts for private and corporate clients locally and worldwide. 

Related posts:

1. Working in Canada – The Points System
2. UK Opens Arms to the Wealthy
3. Immigration and the UK’s Population Growth

Today though I saw an article on the BBC News website about band member Nadine Coyle, discussing the release of her first solo album, Insatiable[1].

Not that I’ll be dashing out to buy it. But what did interest me were the references she made in the interview to her family.

A native of Northern Ireland, since finding fame Nadine has moved to Los Angeles. Crucially, her parents and siblings also went with her. Together they now run a bar, Nadine’s Irish Mist, on the Pacific Coast Highway at Sunset Beach.

Her family, she said in the BBC interview, are at the centre of her world, providing her with the foundations she needs to build her career and achieve success.

Yet for many people who move abroad, leaving family behind is the sacrifice they must make to fulfil those dreams of a life overseas.

Which is most important? Is it your family and friends, who will give you the necessary support from which all else becomes possible? Or is relocating abroad the key to achieving your personal and career goals, and finding happiness?

It’s a tough choice … unless, like Nadine, you can get all your nearest and dearest to come with you!

Related posts:

1. Thanksgiving and the Search for Happiness Abroad
2. Moving Abroad for Love
3. Should I Stay or Should I Go? Tips on Becoming an Expat

Unfortunately, it was the atrocious conditions that dominated the early stages of the competition though, with long rain delays that forced play into overtime on Monday … when, sod’s law, the weather made a volte-face and bathed the country in glorious sunshine.

Well, what can you expect from Wales in October?

In truth, Britain in autumn can be a challenging place to live. Hurricanes, like the famous one of October 1987, might be blue moon events. Wind and rain, however, are guaranteed. Add in the fading daylight as the days shorten and it starts to sound a bit bleak. No wonder so many millions of Brits dream of escaping to a life in the sun.

Mind you, in New York, where I spent a year at the turn of the millennium, the descent from the broiling heat of summer to freezing winter is even more precipitous.

By contrast, in the corner of north-eastern Spain where I lived until recently, the thermometer frequently nudged 30°C through to the end of October. Calm, sunny days meant there were a lot of leaves on the trees right up to Christmas, and oftentimes we could still venture out in T-shirts.

But now we’re back, experiencing our first autumn in the UK in eight years. I confess, weather-wise it is nowhere near as appealing as where we have come from.

The upside is the warmth we enjoy from being back among family and old friends.

Related posts:

1. British Summer
2. Repatriation Advantages
3. Perils of the Sunshine