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So you’ve decided to take the plunge and emigrate. Congratulations! Your next question should be how are you going to make your move a success?
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.
Tags: Abroad, Africa, Asia, broker, budget, buy, country, currencies, currency, destination, emigrate, Europe, exchange, expat, family, financial, Foreign, home, leisure, life, location, love, market, money, move, moving, property, quality, rate, saving, success, sun
If you’re considering moving abroad then you want to do it right from the off. Your happiness depends on it. And that means making sure you head for a destination that best meets all YOUR requirements.
So here are some of the key issues to contemplate when deciding where to live:
1) Education
For any parents, the quality of education available to their children – whether in the local state system, a private institution or at an international school – has to be a crucial factor.
If a country’s educational options are poor, think again. Your child’s future is too important.
2) Language
Which languages do you speak? Where in the world will you find it easiest to integrate, and feel most comfortable living, as a result? Which languages will prove most beneficial to your prospects going forward?
At the gates of my daughter’s school here in Britain I hear many foreign accents. One big attraction for these parents of raising their children in the UK is the English fluency they are achieving. As the world’s dominant business language at present that will stand them in good stead in the years to come.
3) Quality of life
Definitions of quality of life vary from person-to-person. But common considerations include the location’s relative cost of living, the climate, career opportunities and earning potential, access to leisure activities, the country’s political freedoms and cultural mores.
For instance, the UK is renowned for its high cost of living and poor weather. However, HSBC’s latest Expat Explorer Survey[1] ranked it the top country for entertainment, and reported that it is an easy place for expats to integrate.
The important thing is to determine which quality of life factors matter most to you.
4) Social network
It is great to have family support and contact. Yet for many people living abroad often means having to do without that.
In such situations, it is important to be in a location where there are plenty of opportunities to develop a strong circle of friends who can offer emotional support, and with whom you can share the good times.
5) Future prospects
Looking ahead, what sort of life will your location offer?
Does it hold out the prospect of attractive career opportunities, for you and any children you may have?
If you are considering retirement there, is it affordable? What sort of social life can you expect? How do the healthcare system, and healthcare costs, stack up?
Answer these crucial questions before you leave home and you have a much better chance of finding happiness and contentment when you arrive.
[1] Expat Experience is the second of three reports from HSBC’s 2010 Expat Explorer research series,
http://www.offshore.hsbc.com/1/2/international/expat/expat-survey/expat-experience-report-2010
Tags: Abroad, Britain, business, career, child, climate, comfort, cost, country, destination, earn, Education, English, entertainment, expat, explore, Foreign, freedom, friend, happiness, health, home, HSBC, integrate, Language, leisure, live, living, location, moving, parent, politic, prospect, quality, Retirement, School, survey, UK, weather, world
I have just started reading Andre Agassi’s autobiography, Open.
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.
Tags: Abroad, Agassi, Children, city, countries, country, couple, English, expat, family, freedom, friend, Germany, Graf, home, homesick, Language, Las Vegas, life, location, loneliness, love, Manhattan, move, moving, New York, partner, profession, quality, relationship, social, tennis, US
What are your biggest worries about 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.
[1] Expat Experience is the second of three reports from HSBC’s 2010 Expat Explorer research series,
http://www.offshore.hsbc.com/1/2/international/expat/expat-survey/expat-experience-report-2010
Tags: Abroad, Australia, Canada, Children, country, destination, expat, Expat Experience, Expat Explorer, family, female, friend, healthcare, home, HSBC, job, lifestyle, location, lonely, men, move, moving, quality of life, Retirement, School, social, survey, UK, worries
Finding a way to finance your life overseas is one of the biggest challenges facing prospective expats.
How can you earn the money necessary to give you the lifestyle you crave? Do you plan to transfer within your existing company, or apply for new jobs? Would you like to set up your own business, or offer services as some form of freelance contractor?
For anyone confronting these issues it is well worth seeking the advice of a professional, someone who can help clarify your ideas and guide you in the right career direction.
One such person is CNNMoney.com-featured career coach Megan Fitzgerald, the founder of Career By Choice. An expat herself, with over 15 years experience in career and business development, Megan specialises in helping current and aspiring expatriate professionals and entrepreneurs to build a satisfying career or business that allows them to get the most out of their life abroad.
Megan has just interviewed me on the pros and cons of moving overseas for her website. You can check out the resulting article, Expat Success Tips: Should I Stay or Should I Go? The Choice of Becoming an Expat, at http://bit.ly/cIOjNw.
Hope you find it interesting.
Tags: Abroad, business, career, Career By Choice, CNN, coach, company, entrepreneur, expat, Finance, job, life overseas, lifestyle, Megan Fitzgerald, moving, professional, should I stay or should I go, success, transfer
Adultery, family feuds, multimillion pound inheritances – par for the course for family life among the British aristocracy perhaps. But the Thynne family, holders of the Marquessate of Bath, are more colourful than most.
The current Lord Bath is known for his flamboyant clothing, the murals he has painted on his private apartments, and the scores of girlfriends (he used to call them “wifelets”) he has had – and made portraits of – over the years.
He is also the owner of Longleat House, the beautiful stately home in Wiltshire. Completed in 1580, it is considered one of the finest examples of Elizabethan architecture in Britain. It was also the first stately home to open to the public.
Longleat is best known though for its safari park, with its collection of lions and tigers, monkeys, rhinos and deer. The brainchild of the 6th marquess, the incumbent’s father, the safari park was opened in 1966, becoming the first such drive-through animal experience outside Africa.
Having heard so many good things about Longleat, and wanting to experience more of what England has to offer since moving back from abroad, my family and I took the opportunity to visit a couple of weeks ago.
I would have liked to trawl around the house itself, to sample the wealth of history and objets d’art on show. But having been subjected as a child to a succession of tours of grand old houses by my own parents I decided it best not to inflict the same pain on them.
Instead we enjoyed a selection of the many other activities Longleat has to offer: a ride on the miniature railway, fun time in the Adventure Castle, an exploration of the Postman Pat Village. Plus, of course, a drive around the safari park.
There was so much more we didn’t have time to see either. Still, we can save that for another visit. And I know our kids would be eager to go back.
Tags: Abroad, Bath, Britain, British, England, family, history, house, Longleat, moving, safari, stately home, Wiltshire
It was my wedding anniversary yesterday, which put me in mind of some of the good and bad aspects of living abroad.
Unlike our actual wedding day, when we were fortunate to be bathed in sunshine from dawn to dusk, yesterday saw uninterrupted grey, glowering skies. The sort of poor excuse for summer for which Britain is renowned.
But that is what the English weather holds. One day it can be glorious, when you think summer is finally here to stay; the next it is cold, wet and windy. Temperamental.
It’s not what we had become accustomed to during our years living on the Spanish Mediterranean coast, where a long summer of heat and sunshine were guaranteed, promising endless days in the pool or on the beach. Indeed, it was one of the major reasons for us moving abroad in the first place. Re-acclimatising to what England has to offer will not be easy.
The upside to repatriating to the UK is the contact it gives us with family and friends, and the support network that is now on hand.
Yesterday, for instance, my in-laws offered to babysit, giving my wife and me the chance to head off to a restaurant for the evening. It was the first time we had been able to go out to celebrate our anniversary since our children were born, as living abroad meant there was no extended family around to watch them.
Such constraints don’t affect all expats. But If you’ve been used to having parents or siblings around to lend a hand while you go to the shops or the doctor, or look after the kids while you have a well-earned night out with friends or your partner, then their sudden absence can come as a big shock. Something to consider!
Tags: beach, Britain, Children, coast, England, English, expat, family, Friends, heat, living abroad, Mediterranean, moving, parent, repatriating, Spanish, summer, sunshine, UK, weather, Wedding
It’s not quite the West Wing, but the UK election and subsequent coalition negotiations have turned into a fascinating drama (mind you, I’m a politics graduate, so perhaps I’m biased, and a little sad).
There has even been a bit of humour. At their first joint press conference, Prime Minister David Cameron and his Liberal Democrat deputy Nick Clegg stood side-by-side in the garden at 10 Downing Street to set out their coalition stall. It was followed by a question from a journalist: “Prime minister, do you now regret when once asked what your favourite joke was, you replied ‘Nick Clegg’?” he asked.
Cameron looked suitably embarrassed, but Clegg took it in good heart. Indeed, it even revealed the relaxed camaraderie that seems to be burgeoning between the two leaders. Is this politics growing up at last? A recognition that people from different parties can work together in that stock phrase of the last few days, the National Interest?
There is certainly a lot to do, as the new government’s agenda shows. And from an expat perspective, it reveals some important choices and changes.
A notable one is immigration. It was a big area of difference during the election campaign. But the Conservatives’ proposals have now won out. As a result, the government will introduce an annual cap on the number of economic migrants from outside the European Union that are allowed into the country.
As for what happens to tax levels and spending on core services such as education we will have to wait for the upcoming Budget, which will offer the first detailed breakdown of the government’s programme.
The question then will be can this historic coalition succeed in making the UK a better place to live, both for people thinking of moving to the country and those already there? I can only hope so.
Tags: Cameron, Clegg, coalition, Conservative, country, Downing Street, Education, election, European Union, expat, government, Immigration, Liberal Democrat, migrant, moving, national, tax, UK
Priorities are powerful forces … assuming you’ve got them in the right order. And keeping them there requires continual monitoring.
So what are your priorities?
Most of us – myself included – get batted around like a pinball from one activity to the next. Our days are spent finishing up that urgent project at work for which the boss is breathing down our necks … seeing to the needs of our kids … phoning parents to check how they are … dashing to the shops to pick up a last-minute birthday present.
We go to bed exhausted, only to get up tomorrow and do it all over again. Lives spent scuttling from one weekend to the next, firefighting whatever today’s most pressing need happens to be.
But what about that life you’d really like to be leading? The one you keep nestled somewhere close to your heart?
We all have one, don’t we? That ‘if I won the Lottery …’ vision of how things would be in a perfect world. Where you’d like to live. How you’d like to spend your time. And with whom. The long-term dream.
Making that vision reality though takes consistent action, and time. Progressive, daily steps. And to do anything on a daily basis means prioritising.
It’s something with which I still struggle. But by persevering it’s starting to pay off. In fact I’m feeling pretty good, for I’ve finally finished revising and proofing the print version of my book on the pros and cons of moving abroad. It is now with the printer, the last step before public release next week!
It’s not been easy mind.
As with so many other people around the world, it’s been a tough 18 months.
The financial crisis has forced me to scramble for work like never before. And outside of the long work hours are my commitments as a husband and father.
As a result, it’s not always easy to find time to do the ‘non-urgent’ writing I really want, the books and screenplays that one day I hope will be my full-time occupation.
I realised though that unless I made the time, prioritised the writing in my day, it would never get done. And my dreams of being an author would go the same way.
It’s the same in all aspects of life. We all have to find time to pursue our dreams, whatever they are.
If you want to learn the piano it’s never going to happen unless you sit at the keyboard on a regular basis – preferably every day – and hammer out the notes.
How are you ever going to get your golf handicap down if you don’t go to the driving range, or get out on the course?
Ditto moving abroad. There may never be a great time to up-sticks. There are always other financial pressures, kids about to change schools, new job promotions in the offing. Valid obstacles that keep you from taking action, from grabbing that life you want.
But that’s the choice you must make. You have to seize the moment – take the requisite steps, however small, and make progress. Without it, your life will never become what you want it to be.
Tags: author, book, dream, financial, kids, life, living abroad, moving, overseas, priorities, work, writing
Many years ago I read Peter Mayle’s classic A Year in Provence.
At the time I remember thinking ‘Blimey, that’s the life.’ Writing a few hours a day and then trailing around the French countryside the rest of the time.
Hardly a deep, or unique reaction I know. Everyone thought the same, which was why the book went on to sell so many copies and turned Peter Mayle into a rich and famous man.
Read the rest of this entry »
Tags: Abroad, author, book, business, celebrity, coaching, fiction, France, French, journey, life, literary, live abroad, living, Mayle, millionaire, money, moving, novelist, Provence, publish, reading, rich, Rowling, Spain, States, writer
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