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I confess, I’ve never actually been there. But the myriad of people I know who have lived in or visited the city all say the same thing: Vancouver is an absolutely fabulous place.

And it has some official backing.

The latest annual ranking[1] by the Economist Intelligence Unit claims Vancouver is the most liveable city in the world.

The survey scores locations according to five factors: stability, health care, culture and environment, education and infrastructure. Vancouver topped the poll with 98 out of a maximum 100, as it has done for the past two years. Toronto came fourth, with Calgary fifth.

Mercer’s annual Quality of Living Survey[2] holds Vancouver in similarly high regard – it placed fourth in the 2010 rankings, behind Vienna, Zurich and Geneva.

Meanwhile, this year’s Mercer survey also compiled a list of cities with the best eco-ranking, basing scores on water availability and potability, waste removal, quality of sewage systems, air pollution and traffic congestion. Calgary came out top, with Ottawa in joint third, behind Honolulu.

Canada scores

Indeed, Canada as a whole usually fares well in the various international surveys and rankings.

I may not have been to Vancouver, but I have visited Canada. OK, so a holiday is hardly the same thing as living there (especially as I never experienced the harshness of a Canadian winter). Still, it wasn’t hard to see why the country consistently ranks so highly: huge space … stunning and varied landscapes … diverse recreational activities … reasonable living costs (at least compared to the UK and parts of the United States) … a vibrant economy.

Expat choice

It seems many expats have come to the same conclusion. Canada is the second most popular destination in terms of total number of expatriates from the United States. Among Brits, it ranks fourth.

Expats in Canada seem pretty happy with their lot as well.

HSBC’s 2010 Expat Experience survey[3] asked expats from around the world how they found:

a)      Setting up in their new country of residence.

b)      Integrating into local society.

c)      Their quality of life compared to where they used to live.

Having topped the league in 2009, Canada slipped to second place in the 2010 report. But as HSBC noted, the country “still ranks high for expat lifestyle.”

Not that it is all great, of course. For one, there are those long, cold winters to get through.

The sheer scale has its downsides too – just getting anywhere can take an awfully long time.

(I remember going for a beer one evening during my trip – there wasn’t much to do in the small town where we were staying, so we were driven 90 minutes across the border to a bar in the States!)

And while Canada boasts a host of attractive cities, they can’t boast the same cultural riches as those in Europe and Asia.

Still, nowhere is perfect.


[1] Liveability Ranking and Overview, Economist Intelligence Unit, February 2011,  http://www.eiu.com/public/topical_report.aspx?campaignid=Liveability2011

[2] Mercer 2010 Quality of Living Survey, May 2010, http://www.mercer.com/press-releases/quality-of-living-report-2010

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Zürich has long-featured at the top of the list of cities offering the best quality of life in the world. Having finally visited for the first time last week, I can now see why.

Mind you, I wasn’t so enthused when I looked out the plane’s window as we came in to land. The pilot informed us (a little too cheerily, I thought) that it was -3°C, and the sky was an ominous grey.

Still, the city soon made up for it.

I had a few hours to kill before a business meeting, so I took the opportunity to amble around the Old Town, before finding my way through the winding streets to the Kunsthaus art museum.

The museum lacks the grandeur and wealth of treasures that the Louvre, National Gallery or the Prado can boast. But with a collection of works spanning six centuries – including some beautiful pieces by Canaletto, Monet and Van Gogh – it is well worth a trip.

And Zürich has a lot more to offer. The cafes, restaurants, shops, and its beautiful lake make Zürich an enviable place to live. Easy access to Switzerland’s world class ski resorts has a certain attraction too!

The Swiss advantage

And Switzerland’s appeal is not limited to its culture or sporting activities.

In its most recent annual survey, the World Economic Forum crowned Switzerland as the most competitive nation in the world for the second year running.

Switzerland was followed by Sweden, with Singapore third in the rankings. The United States slipped to fourth. The United Kingdom was 12th.

Running like clockwork

Such rankings were underscored on my way home.

The Swiss, of course, are famed for their timekeeping and efficiency. When the trains say they will arrive at a certain time they do, and to the second. They are smooth, clean and comfortable. Getting around Zürich is a cinch.

By contrast, getting back to my home in the UK was anything but smooth and comfortable. London’s Underground system was ground-breaking (literally) when it opened 150 years ago. Now though it is showing its age. There are constant repairs, and too many people jostling to get on.

The subsequent overland leg of my train journey was even worse. Broken signals, delays, overcrowded carriages. Suffice to say, it eventually took me twice as long to get from London’s City airport to home as it had taken me to fly from Switzerland to the UK.

Having lived abroad for many years, I know that nowhere is perfect.

Britain has its faults, for sure – the climate, the overstretched transport infrastructure, the lack of space, its cost of living. Yet coming back to live in the UK has helped me see it with new, more sympathetic eyes, better able to appreciate the wonderful things it does have to offer, and not just the bad bits.

Still, I can see why there is so much interest – especially among those well-paid financial types – in relocating to Switzerland.

Much of the reason may be to do with the favourable tax regimes they can expect to find in the country’s various cantons.

But I’m sure Switzerland’s long-trumpeted quality of life advantages must be as much of a draw.

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As everyone knows, the weather in the UK is nothing to write home about it. Grey, damp and cold tend to be the predominant impressions. Not surprising then that the country’s climate regularly tops the polls of reasons why people want to leave.

Still, as I try to remind myself on yet another chilly, overcast January morning, it could be worse.

For one, in Britain we don’t have to contend with crocodiles waddling down the pavements, as reported in some Queensland towns hit by the recent flooding. The flooding has also brought an increase in venomous snake sightings (my wife’s pet fear), and – my phobia – bull sharks seen swimming down the streets.  

But while it may be dangerous creatures that grab the headlines and send shivers down the spine, the real story is the extent of the flooding, and the chaos it has wreaked.

Vast areas of Australia’s north-east have been affected, damaging 30,000 homes and causing more than 30 deaths.

And after years of extreme drought in the country’s south-east, what has been described as an inland sea is now creeping across the state of Victoria.

Across the country, local businesses, the transport infrastructure, agriculture and mining have taken an enormous hit. The government now estimates the reconstruction effort to repair the damage will cost A$5.6bn.

Early forecasts also suggest the flooding could reduce Australia’s economic growth by 1% this year. That is a heavy toll.

Superstorm

Meanwhile, California – long feted for its climate and way of life – may be due its own “superstorm.”

According to a new report from the US Geological Survey, models show the atmospheric rivers that draw warm, moist air from the Pacific Ocean could create an “ARkStorm,” a month-long battering producing 10 feet of rain. The researchers estimated such a storm could cost $725 billion, nearly three times as much as a 7.8-magnitude earthquake hitting Southern California.

And of course there is always that risk of the giant earthquake building in the San Andreas fault, which is apparently overdue.

Maybe the British grey isn’t so bad after all.

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As ever, money talks. The UK government may be trying to curb overall levels of immigration into the country, but for those with the cash the doors are opening wider.

At the tail end of 2010 the government’s Home Secretary announced new limits on various components of its points-based immigration system, making it harder for non-EU citizens to enter the country. The changes will take effect from April 2011.

However, it also emerged the Tier 1 Investor and Entrepreneur categories would be made more attractive to applicants. In addition, a new Tier 1 category, Persons of Exceptional Talent, will be introduced for internationally recognised people.  

No details of the changes to the Investor category were released at the time of the announcement. However, it appears one aspect will be to reduce the time it takes for a qualifying person to be granted residency.

Investor criteria

The Investors category is designed for those who intend to make a substantial investment in the UK[1]. To be eligible, applicants need:

a)      A minimum of £1 million of your own money in a regulated financial institution that you can dispose of in the United Kingdom, or

b)      Personal assets of more than £2 million, and a £1 million loan from a financial institution regulated by the Financial Services Authority.

Successful applicants receive a three year visa initially, which can be extended for a further two years. Partners and dependent children are also covered by the visa, and are free to work/attend school. After five years visa holders can then apply for permanent residency.

Residency fast-track

Under the upcoming changes, though, it appears there will be a new fast track to residency for the wealthiest. The qualifying periods look like being:

  • 5 years for those investing £1m-£5m
  • 3 years when investing £5m-£10m
  • 2 years when the investment is £10+m

 

When you’re rich, the world really is your oyster.


[1] See the UK Border Agency website for more details, http://www.ukba.homeoffice.gov.uk/workingintheuk/tier1/investor/

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It is exactly a year now since we repatriated from Spain to the UK. It was lovely to return in time to have Christmas with family, but looking back I wouldn’t do it the same way again. For rather than enjoying those magical weeks in the run up to Christmas, we had to spend them up to our ears in boxes, sorting and packing belongings.

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!


[1] For example, Big Yellow Self Storage has over 70 sites across Britain. You can see their facilities and locations at http://www.bigyellow.co.uk/.

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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

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The Holiday Season is well upon us. But if you live abroad you’ll need to get used to a whole different category of celebrations.

Take today, December 6. For many of us it may be another dreary Monday at work. But not everywhere …

Santa Claus is Coming to Town

December 6 is a special festival for children in many European countries, as well as some American cities – for it marks Saint Nicholas Day.

In the Netherlands in particular, Saint Nicholas’ Eve is the equivalent of Christmas Eve, when Sinterklaas (the original Santa Claus) brings gifts for all the good boys and girls. Similarly, in Germany children traditionally put a boot out for St Nicholas to fill with small presents and sweets.

Advent of Democracy

December 6 is a special holiday in Spain too, albeit for different reasons. This is Constitution Day, marking the Spanish public’s vote in 1978 to approve the Constitution of Spain, and thus the country’s formal transition to a democratic state.

As a citizen of the UK, with its long democratic history, it is easy to forget how recent the establishment of such political rights was in Spain. If I was a Spaniard, however, I would have been born in a dictatorship.

In the developed world it is easy to see democracy as a right, one we take for granted. But days like today remind me how blessed we are.

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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

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A recent holiday in Spain – the first trip back to our house on the northern Costa Brava since repatriating to the UK last Christmas – reminded me of all the good things about our former life in the sun.

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!

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For any parent contemplating a move abroad, picking a location that offers their children a better quality of life now, and good opportunities for the future, will be a prime consideration.

On those criteria, the UK government’s newly-announced plan to increase university tuition fees has to be a black mark.

Under the policy, universities in England can charge as much as £9,000 per year in tuition fees – a steep rise from the £3,290 at present.

With the government having slashed funding for universities in its October Spending Review, it means many students are set to bear most of the cost of their courses. And that is in addition to the living expenses they already have to pay.

Some, inevitably, will be put off from attending university at all. Those that do go will either need affluent parents able to finance their education, or face a pile of debt at graduation.

Spanish Lessons

The comparative cost of university was a hot topic with some English friends we have just seen on a recent trip back to our former home in Spain.

Their daughter is due to finish her baccalaureate next summer, and is now weighing her options. If she were to go to the local university in Spain her parents would only have to pay for her books – approximately €1,000 a year. Back in the UK, by contrast, they could not afford to give their daughter the advantages a university qualification brings.

Mind you, there is a flipside: the countries’ relative job opportunities.

With unemployment soaring to over 20%, there is a big question as to what career prospects she would have in Spain post-graduation.

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