Issue 10 / April 2019
PLACES BEING DESTROYED BY TOURISM
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HOW TO BEHAVE LIKE A LOCAL IN
MANILA FAMOUS EXPAT
LUPITA NYONG'O
4 | Content
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Editor's letter | Issue no. 10
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Featured city | How to behave like a local in Manila
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Culture differences | Lunch customs differ around the world
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Education | How generation Z is shaping the change in education
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Quality of life | Paternity allowance around the world Expat's nature | Why men and women process emotions differently
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Relationships | Love surviving the miles Traveling | 10 places being destroyed by tourism Famous expat | Lupita Nyong'o
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Health | AI in the health care industry
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Statistics | Countries with the highest life expectancy in 2018
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Language | Why the Dutch are so good at English
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Legal | Japan's rent-a-family industry
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Featured city | How is Oslo to live in?
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Working abroad | The truth about those Paris clichĂŠs
Š ExpatsWorld 2019
Content
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Taxes | Holiday jobs: special tax-free status has ended
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Quality of life | The hidden costs of not taking vacations Social media | Internet censorship in China Insurance | The future of auto insurance Challenges | Tips to survive the Spanish heat Featured city | Why relocating to Dublin might be a smart decision?
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Millennials | Millennials and the minimalist trend 82 Food | 3 common cooking habits that can increase toxicity in your food 86 Relocation | What you need to know before your international move 80
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Business Directory | Recommended companies
ExpatsWorld International Calle Gregal 10, Santa Ponsa, Balearic Islands, Spain
Email: contact@expatsworld.com Credit: Unsplash/Jc Gellidon
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Editor's letter
Welcome to the 10th Issue of ExpatsWorld Magazine We are happy and excited to welcome you to our tenth edition of this magazine. A magazine for people who live, or plan to move abroad. In this issue you can find out about life standards in three totally different cities: Manila, Oslo and Dublin. Get to know more about the differences around the world: what people choose to eat for lunch; what is the situation of paternity allowance all around the globe; what are the countries with the highest life expectancy in 2018. Gain the truth about those Paris clichÊs. Know why the Japan's rent-a-family industry is thriving. Get useful tips on how to survive the Spanish heat. There are many more interesting stories to read for any taste. Take a look around! According to the latest research, it was estimated that a total of over 244 million people are living in a country other than their country of birth. Most of these people are individual workers aged between 20 to 64 years old. In recent years, the number of students, retired expats, corporate transferees and other remaining expat groups, are constantly on the rise. It is clear that the EU net migration has fallen over the last few years, however, the non-EU net migration has increased. The numbers don't lie. Expatriates are a very important part of global community and we understand that. For this reason we want to support them with our free services. It is not only the magazine! We would love to invite you to follow our daily updated newsblog, subscribe to our newsletters, check our international and local Facebook groups and pages, watch our webTV show, and contact us with all questions and requests for assistance around the world. As always, we manage to give all of our followers super services for free, since we have many small and large companies supporting us as sponsors and advertisers. Welcome to another exciting issue of ExpatsWorld Magazine and don´ t forget to visit www.expatsworld.com and have a great time there!
Best regards, Peter Redrin - Founder & CEO Clients & Clubs International SL
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78 | Featured city
WWW.MYEXPATSWORLD.COM Credit: Unsplash/ Jc Gellidon
SOURCE: EXPATSW ORLD
How t o Behav e Like a Local in Manil a
10 | Featured city
oving to Manila may be intimidating for anyone, but it doesn?t have to be. From acting like a shark in theatres, pointing with your lips, these tips will help you fake it until you feel completely immersed in local society. Pretty soon people will be calling you ?Chip? or ?Te.? Find out how to behave like a local in Manila with these tips.
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How t o Tal k t o St r anger s Address men as ?Boss,? ?Chip? (chief), ?Kuya? (Tagalog for older brother), ?Pogi? (handsome) or ?Pare.? When speaking with women, call them ?Miss.? But replace the short ?i? with a long one, so that it sounds like ?Meees.? If that doesn?t roll off your tongue, then you can call women ?Te? which is Tagalog for older sister. In Manila, communication between people is about a balance between familiarity and respect. If none of this makes sense, then you?re fitting in already. You will be respected for trying a few words in the local language.
Asking f or t he Bil l at a Rest aur ant Once you?ve completed your meal and are ready to ask for your bill you must first get the attention of your server. Do this by raising your hand. Once you?ve made eye contact, raise your other hand and draw a rectangle in the air. Not sure how? Form triangles with the tips of your index fingers and thumbs touching. Draw your fingers out and apart and snap shut the rectangle as you
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shut the index fingers and thumbs of the same hand together. While you?re coordinating your hand movements say ?chit?. If you?re still not sure how this should go then just keep your eyes open and watch the locals. It?s quite easy really.
How t o Ride in a Jeepney These colourful and fun vehicles are the most common form of transportation in the Philippines. One can hail a jeepney just about anywhere, although there are proper jeepney stops. Getting on at a proper stop has its advantages. One has a better chance of taking the seat farthest from the driver, by the back entrance. This is prime real estate on a jeepney. Take your seat and wait for the jeepney to fill with passengers. Other people may have to move around you to find their seats but this is part of the fun. Sitting here you will be ready to make a quick exit when it?s your stop. Once full is when you pay. Give your money to the passengers in the middle seats to pass the fare to the driver on your behalf. Pass your money to the person beside you and say ?Bayad.? The driver will be watching this whole process from his rear-view mirror. No need to worry, your fare will make it to the front. If you weren?t lucky enough to catch the back seat and find yourself in the middle. Pass other passengers? money along should you find it given to you. This is very customary here.
To further fit in with the locals, hold onto the handrail and rest your head face down. Pretend to sleep or look out the window as if you?re lost in thought. People watch as much as you like, just don?t let others catch you. Don?t expect personal space on a jeepney. If there is a little room beside you, always shift yourself closer to the entrance. When you see your stop coming up, shout ?Para!? and quickly head for the opening.
How t o Speak Brand names are often used instead of actual names. For example, ask for Coke instead of soda, Colgate instead of toothpaste and Xerox for a photocopy. If you forget a word in mid-sentence, say ?ano? or ?kwan?. Pinoys will understand you. When trying to get someone?s attention just shout ?Psst!?. If that doesn?t work, use the more urgent ?Psst-huy!? Bekinese is a language you may wish to learn while in the Philippines. It is a mix of Spanish, Tagalog and English and is used by everyone. Bekinese makes conversations more entertaining as it incorporates global pop culture into Tagalog.
How t o Find Your Seat Inside t he Cinema Act like a shark! Place the palms of your hands together and out in front of you, like a fin. This action will make it known that you?re coming through.
Featured city |
Jeepneys are king of the roads and are unique in the Philippines. Credit: Unsplash/Toa Heftiba
How t o Point at Things Although this may seem odd to some Westerners, it?s very easy. Pucker your lips and point in the direction of the item you?d like to refer to.
Eat ing in The Phil ippines Dining is almost always done with family and/or friends and it?s very rare to eat alone. Meals are celebrated here.
Should you order your own meal rather than sharing family style then make sure to offer your table mates a taste should your meal arrive first. Most often, locals will say no to the gesture and tell you to start eating in which case you should.
"Br and names ar e of t en used inst ead of act ual names. For exampl e, ask f or Coke inst ead of soda, Col gat einst ead of t oot hpast eand Xer ox f or a phot ocopy."
Forks and spoons are used here, not knives. If you need to cut something, hold the food down with your fork and use the spoon to cut it.
WWW.EXPATSWORLD.COM Credit: Max Pexel
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12 | Featured city
Credit: Unsplash/Bash Carlos
You will likely have rice with most meals, in which case you should place your piece of food on top of the rice and scoop it up.
quality, these blurry close ups are preferred. So take out your mobile phones and snap away. Have fun documenting your days.
Midday snacks ar e common, ber eady
How t o Pose f or Phot os
Never take the last piece of food on the table. Locals tend to be very shy about taking the last of anything. If you would like the last morsel then be patient. Wait to make sure no one else will take it and then express your interest in the last bite.
How t o Take Sel f ies Locals here love selfies. Although most likely photos taken by someone else may be better Credit: Unsplash/Jc Gellidon
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A simple smile here is not enough. You have to slap on your goofiest grin!
Text Messaging Phones in the Philippines are hardly ever used to make calls. This is a nation of texters. While you?re waiting in a line up or sitting on a bus, have fun catching up on your communication. Use lots of emojis here and there and not much use of capitalisation or punctuation.
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Culture differences
LUNCH CUSTOMS DIFFER AROUND THE WORLD SOURCE: EXPATSW ORLD
Food, tastes and eating habits vary greatly from country to country. The geographical zone and climate, traditions, individualistic or collectivistic culture also impact our edible choices.
03 Cost a Rica The most standard option for lunch is Casado: a plate of rice and beans, served with plantain, meat/fish and vegetables or salads.
Let?s take an appetising tour around the world to see what people eat for lunch.
01 Ar gent ina Argentinians for their midday lunch are having quite a large meal, usually consisting of pasta or meat. Sandwiches de Miga or empanadas ? pastries filled with meat, seafood or vegetables, are a very popular lunch choice too.
02 China Lunch time in China is the same as in the western world. The menu is simple and usually doesn?t contain more than three dishes. Typically it would be either rice or noodles with some meat and vegetables.
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soup, salads or patĂŠ (a paste, pie or loaf existing of forcemeat that at least contains liver). Afterwards the main course, which usually is meat, fish or chicken was served with some kind of starch like potatoes and vegetables. And then the dessert comes. Some lunch choices are much more simple, like ham or a cheese-filled baguette, or omelettes, which can be quite popular too.
06 Gr eece Indian food
04 India For lunch, Indians usually are having rice along with curries and/or lentils. The lunch might include a few chapattis and pickles as well.
05 Fr ance It is not the case anymore, but French people used to have 2 hours lunch break. For this reason lunch was taken without a rush. It contained three meals starting with
Traditionally Greek lunch contains a vegetable stew/casserole with cheese, bread, salad, and wine. Nowadays, the choice is much simple: grilled meat, pasta or simply sandwiches.
07 It aly Italians generally have pasta or risotto as a first dish which is followed by a second course of fish or meat with vegetables or salads for lunch.
Credit: Unsplash/Ali Inay
Culture differences
Credit: Unsplash/Zach Ward Pexels
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Credit: Unsplash/Oliver Sjostrom
08 Ger many Not surprisingly, Germans go with meat, potatoes and vegetables for lunch. But it can easily be changed with pasta, backed sausage meat (leberkäse) or even soup.
Bento box. Credit: Kareigawa
that features hot peppers cooked in a flaky pastry shell) and coco bread that is made with coconut milk.
11 Mex ico When it comes to a fast lunch break, tacos and tortillas are the most popular options for 'la comida' in Mexico. However, typically it consists of three dishes: an appetizer, soup or a salad, the main course and desert. Since lunch tends to be a leisurely meal, chatting in between meals is a casual thing.
and tom yum soup.
14 Tur key Normally, Turkish people will eat meze, gozleme, kebabs, kofte or pide (a Turkish pizza).
Danish open sandwich
09 Japan
12 Mor occo
Japanese lunch culture contains bento boxes and ramen. Bento boxes usually holds sushi, rice, tempura, pickles, and at times a cold or hot dish of meat, fish or vegetables.
Lunch meals are considered the most important meals of the day in Morocco. For this reason, it includes several courses. Lunch starts with a meze of salads and olives alongside a main of tagine and couscous. Moroccans drink mint tea for lunch too.
10 Jamaica Jamaican lunch is a smaller version of a Jamaican dinner. So usually it?s a patty (a traditional Jamaican favourite with a ground beef filling
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15 Denmar k Usually Danes are having a cold meal for lunch which is an open sandwich, known as smørrebrød. It contains rye bread buttered and topped with fish, seafood, meat or pickled vegetables.
16 Viet nam 13 Thail and Common lunch suggestions in Thailand are Pad Thai, Thai curries
Noodles and soup is common in a Vietnamese lunch, as well as spring rolls and a dipping sauce.
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18 | Education
How Gener at ion Is Shaping The Change In Educat ion BY SIEVA KOZINSKY SOURCE: FORBES
Generation Z has officially entered college. And just as the Millennials before them, this generation is disrupting the way learning happens in higher education. But these differences go beyond just a greater dependence on technology. Gen Z-ers tend to embrace social learning environments, where they can be hands-on and directly involved in the learning process. They expect on-demand services that are available at any time and with low barriers to access. And they tend to be more career-focused earlier on in their college life. A study done by Barnes and Noble College shows that today?s students refuse to be passive learners. They aren?t interested in simply showing up for class, sitting through a lecture, and taking notes that they?ll memorize for an WWW.EXPATSWORLD.COM
exam later on. Instead, they expect to be fully engaged and to be a part of the learning process themselves. In fact, Gen Z students tend to thrive when they are given the opportunity to have a fully immersive educational experience and they even enjoy the challenges of being a part of it. For instance, 51% of surveyed students said they learn best by doing while only 12% said they learn through listening. These same students also mentioned they tend to enjoy class discussions and interactive classroom environments over the traditional dissemination teaching method. And the preference towards a collaborative learning environment isn?t just limited to in-person interactions. Instead, Gen Z is completely comfortable
Z
Education
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with learning alongside other students, even outside of their own school, using digital tools such as Skype and online forums.
Z
And as a digital generation, Generation Z expects digital learning tools such as these to be deeply integrated into their education. For them, technology has always been a fully integrated experience into every part of their lives. And they don?t think education should be any different. They believe they should be able to seamlessly connect academic experiences to personal experiences through these same tools. Additionally, they expect that these learning tools be available on-demand and with low barriers to access. For them, learning isn?t limited to just the classroom; it?s something that can take place at any time, anywhere. And finally, access to unlimited new information has created a more self-reliant and career driven generation. In fact, 13% of Gen Z-ers already have their own business. And many are even taking this entrepreneurial spirit to drive changes in the college curriculum, as they show a strong interest in designing their own classroom path in college. For those who haven?t started a business quite yet, early preparation is still key. In fact, nearly half of high school students have taken at least one class that counts as college credit. Credit: Unsplash/Nathan Dumlao
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M Y TV ABROAD ALLOWS YOU TO ?TAKE A PIECE OF HOME WITH YOU? WHEREVER YOU GO Thanks to their HEVC /H.265 system, My TV Abroad solve the problem of poor TV connectivity abroad and allow expats to watch live TV anywhere in the world directly to your TV.
W ho Are My TV Abroad? Established in 2006, My TV Abroad have developed a range of new content delivery systems that allow you to watch live TV anywhere in the world. Supplying a reliable, high-quality service, their HEVC/H.265 compression system is revolutionising the way expats and holiday makers watch TV by allowing users to watch TV anywhere in the world without compromise.
W hat Is The HEVC/ H.265 Compression Syst em? Put simply, the HEVC/H.265 has opened up the free-to-air TV market for millions of expatriates around the globe, allowing them to watch IPTV in some of the worst connected, and, most remote parts of the world. Equipped with full HD at 1.3 Megs, able to stream standard TV at as low as 250 Kbps and even offer on the go connections for iPad, iPhone, the HEVC compression system really is the future of television broadcasting.
GET M ORE INFO W hat Does The HEVC/ H.265 Compression Syst em Mean For Expat s? For expats living abroad, streaming live TV has long since been a nightmare, requiring a PC, Virtual Private Network (VPN) or IP Shield. However, with My TV Abroad?s cutting edge technology, expatriates can now watch their favourite TV programmes from home on their TV, or their smart device, using broadband or a 3/4G connection. Not only this, the HEVC compression system features 14-day catch-up TV, the ability to play programmes from the start and a time shift feature, so you can watch your home morning news with your breakfast wherever you are around the globe. With all of these exciting features and a crisp, clear image, My TV Abroad?s HEVC/H.265 Compression System really does allow you to take a piece of home with you.
Cont act My TV Abroad: +44 (0) 203 368 2866 info@mytvabroad.tv www.mytvabroad.tv
22 |
Quality of life
Pat er nit y al l ow ar ound t hewor SOURCE: EXPATSWORLD
Becoming a parent is always challenging. Especially, if you are a brand new dad who is going to look after a new human being. It is not only about having an extremely important responsibility to ensure the right development of a newborn. It also involves a psychological comfort about being on paternity leave (social standards) and having a fair allowance. In this article we focus on the situation of paternity allowance around the world. As stated by UNICEF, the United Nations Children?s Fund, analysis,
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?almost two-thirds of the world?s children under age 1 ? nearly 90 million ? live in countries where dads are not entitled by law to take paid paternity leave.? And in this case, an employer, is the one who dictates the conditions. The chart below is produced by the World Policy Analysis Center at UCLA?s Fielding School of Public Health. It explains a specific country?s policy on paid paternity leave. Five colours identify the worldwide situation: red represents the most inadequate attitude and green shows satisfying conditions.
Quality of life |
wance rld This information can be compared with maternity leave allowances on a global scale.
Asia l eads Paternity policies are very well established in Japan and South Korea: a father can take one year of paid leave. However, it is not a very common case for a man to use it. Japan and South Korea have some of the most generous policies in the world. One year of paid leave is available for the father, but very few dads take advantage of it, according to the OECD.
No advant ages in U.S. The States doesn?t have a national law that guarantees paid parental leave for neither mothers or fathers. Even though there are 4 million newborns in the country. The same situation can be found in China, India, South Sudan, Papua New Guinea, Suriname and five small Pacific Island states.
However, it is important to point out that a rising number of states are working on establishing paid leave policies. Moreover, it is more related with gender roles and equality rather than monetary benefits.
Low- and middl e- income count r ies suppor t pat er nit y l eav e The allowance rates aren?t high in these countries, but at least there is some kind of monetary help that provides better psychological comfort regarding paternity leave. ?These includes countries with high infant populations like Brazil, an upper middle-income country, and the Democratic Republic of Congo, a low-income country, which offer less than three weeks of paid paternity leave.? Low- and lower-middle-income countries like Tajikistan, Uzbekistan or Mongolia propose more than 14 weeks of paid leave for dads. Meanwhile, countries with a higher income level offer more generous payouts. ?Among middle-income countries, there are 14 countries that provide 14 weeks or more, and in high-income, 28 countries.?
Credit: Pixabay
Dev el oping count r ies ar e st il l in pr ogr ess Developing countries are working on creating family-friendly policies. Since the beginning of the current century, a few countries in Africa have instituted paid paternity leave policies: Mauritius introduced one week, Rwanda introduced four days, and the Gambia introduced two weeks.? In addition, India, with the highest infant population in the world, is proposing the Paternity Benefit Bill for consideration in the next session of parliament. This law could offer up to three months of paid paternity leave for dads.
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26 | Expatriate nature
SOURCE: EXPATSWORLD
WHY MENANDWOMENPROCE EMOTIONS DIFFERENTLY WWW.EXPATSWORLD.COM
Expatriate's nature
I
n our society there is a strong stereotype that women are more emotional than men. However, new research reveals that each gender 's brain processes emotions differently. Earlier studies reported that women have higher levels of emotional stimulation. The research from the University of Basel explored the difference of emotional processing among genders. They claim that it is related with the diversity of gender-specific variation in memory and brain activity.
Credit: Unsplash/Ryan Stefan
CESS
The research team created a particular test to learn if the way females process emotional information has an impact on better memory performance. The experiment contained 3,400 images with emotional content which were shown to participants. It disclosed that these images were more emotionally stimulating for women than men, especially when it comes to negative imagery. However, emotionally neutral images received similar feedback from both sexes. The second part of the experiment was related to memory. As it turned out, the respondents of the fair sex achieved better results in recalling more of the images compared with the male participants. Moreover, women also
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strengthened their ability to capture the positive imagery. According to research, these results are based on gender-dependent activity of brain mechanisms.
" IT DISCLOSED THAT THESE IMAGES WERE MORE EMOTIONALLY STIMULATING FOR WOMEN THAN MEN, ESPECIALLY WHEN IT COMES TO NEGATIVE IMAGERY." The fMRI data from 700 participants revealed that females react stronger to negative emotional images due to increased activity of motor regions of the brain. For this reason, the facial and motor reactions to negative emotional stimulants as well increase. It might lead to the conclusion that women are better at dealing with negative cases than men. In addition, it shows that females are more prone to develop depression, anxiety or stress disorders. This research can help one deal better with sex-dependent emotional dysregulation and provide customised treatment options.
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ALLIANCE FRANร AISE AM STERDAM WE HELP YOU SPEAK FRENCH! At Alliance Franรงaise we help you reach your goals in the French language through the best teaching methods and cultural immersion. The worldwide AF label stands for qu alit y, exper t ise an d u n iqu e lin gu ist ic an d (in t er )cu lt u r al exper ien ce. A u n iqu e & global exper ien ce gen u in ely en gagin g you in Fr en ch lan gu age an d cu lt u r e. We of f er Fr en ch lan gu age cou r ses f or ever y age, level an d occu pat ion . Our strengths: -
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Relationships
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LOVESur v iv ing
t he Mil es SOURCE: EXPATSWORLD
To flip the question, some distance can help make your life together surprising, spontaneous and revealing. True, it can prove to be occasionally frustrating and annoying, however, long-distance relationships are rarely boring! Such is life in a long distance relationship.
So one day you wake up to discover that you or your significant other has to move. Suddenly you find yourself in a long distance relationship. Your challenge is to ensure your love survives the miles. Whatever your circumstances, you are now confronted with the dilemma of whether or not the unexpected physical distance will prove to be insurmountable. CAN LONG DISTANCE WORK? Will you stay together in the face of a yawning geographical gap or will expat love perish on the anvil of distance? It is possible to live in separate cities and be in love. It is possible to make your overseas relationship work! It?s complex and it can be scary. However, if you truly love each other, deeply trust each other and are willing to put work into your relationship, love regardless of whether it is the long-distance kind, is worth persevering with.
Few of us actually plan to be in a long-distance relationship. Usually, these relationships arise as a result of life?s evolution and changing circumstances. Maybe one of you received a work offer that?s too good to refuse, or an opportunity to study opens up in a different country. Alternatively, perhaps you met while one of you was away from home base. Now you both find yourselves in a relationship you see a future in and are keen to keep going. However, wanting to keep your love surviving the miles and being able to keep it going are two different things. Admittedly, few of us see long distance relationships as being ideal. Everyone would prefer to have his or her sweetheart close to them especially during a festive season, major holidays and special anniversaries or occasions. The good news is, that there are ways to keep the flame of romance alive and make the relationship work when separated by distance from one another.
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32 | Relationships
By simply making a concentrated effort to maintain regular interactions with your partner, a long-distance relationship can flourish and thrive. Develop a regular schedule for your communications. Mix up emails, regular telephone or Skype calls or other live chat sessions. TECHNOLOGY CAN BE YOUR FRIEND Today?s efforts to communicate long distance have the benefit of contemporary technology innovations. There are a host of affordable, real-time communication options. Resources such as Skype make it cheaper and easier than ever to make international calls, while instant chat, WhatsApp, Microsoft Messenger and email mean you can readily chat on the fly. Happily, couples these days can remain in continual contact, regardless of their geographic location. Embrace communication technology and make it your friend. Savvy communication channels mean there is no reason why your relationship cannot remain strong over time regardless of geography. LONG DISTANCE RELATIONSHIPS
CHILL OUT AND WORK ON RESOLVING TRUST ISSUES
Despite the perceived corrosive influence of technology on human relationships and the many obstacles thrown in the path of loving relationships, romance remains at the very heart of expat love.
While regular communications with your partner will strengthen your long-distance relationship, you will also need to cultivate a certain level of chill during those inevitable times where you are not in contact.
Distance remains one of the primary factors with the power to alter the course of romantic relationships. It is challenging for individuals to maintain a healthy relationship when separated by the implacable tyranny of geography.
Prolonged absence can trigger grave feelings of insecurity and even paranoia. This can be particularly worrisome if your partner has relocated for work purposes and is now socialising with colleagues and new friends.
However, as long as each party retains an open mind and remains committed to the relationship, it is possible to maintain a healthy long-distance relationship. Here are nine key points to bear in mind to keep your long distance relationship on course.
Confront inevitable trust issues as they emerge and look to resolve these feelings through honest and open communications with your partner.
NURTURE OPEN COM M UNICATIONS Any successful relationship demands an investment of time and attention, regardless of whether a couple is actually living together, or are separated by geography. If you want to keep your long-distance relationship healthy, It is paramount to pro-actively work at keeping the lines of communication open and transparent. WWW.EXPATSWORLD.COM
REM IND YOURSELF WHY YOU ARE IN YOUR RELATIONSHIP When dealing with trust issues, it is always helpful to try to remember why you chose to enter into your relationship with your partner in the first place. By remembering your partner ?s unique qualities and nurturing your deepest feelings of love that anchor your relationship, you will find it easier to put your mind at ease and dampen down those doubts and anxieties.
Relationships
Ultimately, it is important to keep in mind that distance does not automatically alter feelings or an individual?s personal characteristics. KEEP PHYSICAL ATTRACTION SM OLDERING Making the necessary adaptations to any relationship after transitioning to a long-distance relationship can be difficult and challenging. This is especially so if it results in a lack of time together. This can cause heartfelt issues such as separation, anxiety and even depression. If steps are not taken to pro-actively confront these issues you can find yourself neglecting your personal appearance and falling into a negative, downward spiral. Work at staying energised and motivated for the good of your relationship. Where possible, ensure the sparks of physical and romantic attraction continue to smoulder between you. CLARIFY YOUR PROFESSIONAL ASPIRATIONS
AND
ROM ANTIC
Successful long-distance relationships require a keen sense of self-assurance and personal security. If these are missing in your relationship, you will find yourself constantly questioning the basis for your relationship and your partner ?s long-term commitment. Ultimately, both of you need a clear, mutual understanding of your professional as well as your romantic aspirations. This will contribute to ensuring your relationship enjoys the best possible chances of survival, while also reminding yourselves that you and your partner share similar aspirations in life as well as in love. NO M OPING ALONE, STAY SOCIAL Naturally, your partner is often the fulcrum of your social life. However, finding yourself in a long-distance relationship does not mean you have to become a hermit. For your psychological health, it is important to remain active and committed to enjoying a rich social life even if your partner has relocated. A social life can cushion the transition process while helping you adjust to your new circumstances and maintain a positive perspective.
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32 | Traveling
SOURCE: EXPATSWORLD
10 " TOURISM IS THE M OST RAPIDLY DEVELOPING INDUSTRY, WITH OVER 1.1 BILLION PEOPLE TRAVELING ANNUALLY ALL AROUND THE GLOBE."
PLACES BEING DESTROYED BY TOURISM
People are curious about the world. This curiosity encourages the exploration of this beautiful planet to discover beyond the boundaries of our own country. Not surprisingly, tourism is the most rapidly developing industry, with over 1.1 billion people traveling annually all around the globe. With all the benefits as employment, economic growth, etc., tourism also brings negative side effects. Trash pollution, overflow of people, the lack of
accommodation, and most importantly ? the threat to long-term preservation of natural wonders and historic sites. Here you can find a list of places that are already affected by tourism. Keep reading.
VENICE, ITALY Venice is slowly sinking. It has been battling rising water levels since the fifth century. Natural and man-made factors make the city flood about 100 times per year. Generally, it lasts from October till late winter. Venice, Italy. Credit: Unsplash/Dorian Mongel
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Traveling |
The Great Pyramids, Egypt.Credit: Unsplash/Jeremy
Tourists don?t help either. During the high season, Venice becomes so overcrowded that some of the most popular places are unreachable due to tourism. It is counted that 80,000 visitors per day are exploring the city. Moreover, the majority of these tourists come by cruise ships that negatively affect waterways and the historic areas they travel through.
THE GREAT PYRAM IDS, EGYPT Unfortunately, only one, the Great Pyramid of Giza, can represent the Great Pyramids. The site has been affected by mass tourism for many decades. The damage is irreversible and all the efforts to preserve this wonder cause even bigger destruction.
The Roman Colosseum, Italy. Credit: Unsplash/Keegan Houser
THE ROM AN COLOSSEUM , ITALY The Colosseum is 2,000 years old, and tourists are adding to the decomposition of Rome?s great Colosseum. Gradually weakening the structure, tourists steal or move the stones and draw graffiti. All this and more are the daily challenges of this great monument.
STONEHENGE, UNITED KINGDOM The mysterious and phenomenal Stonehenge attracts many visitors. Sadly, people are damaging the prehistoric stones by chipping away at them. Those that are restoring Stonehenge are not able to recreate the prehistoric stones in their original manner.
" TOURISTS STEAL OR M OVE THE STONES AND DRAW GRAFFITI. ALL THIS AND M ORE ARE THE DAILY CHALLENGES." WWW.EXPATSWORLD.COM
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24 | Traveling
WWW.MYEXPATSWORLD.COM Great Wall of China. Credit: Unsplash/Hanson
Traveling |
Stonehenge, United Kingdom. Credit: Unsplash/Inja Pavlic
ANGKOR WAT, CAM BODIA Angkor Wat is a main source of money from tourism in Cambodia. A part of the money is dedicated to the maintenance and recreation of the ancient temple. Foot traffic and graffiti are the main causes of destruction. Without prevention together with restoration this structure may just decompose on its own.
" SHIPS THAT CARRY M ORE THAN 500 PASSENGERS ARE NOT ALLOWED AT ANY OF THE LANDING SITES."
Angkor Wat, Cambodia. Credit: Pixabay
ANTARCTICA It is hard to believe that this distant location can be affected by tourism. All the factors come together with the increase of cruise ship traffic: it provokes water pollution, declines the coastline and threatens local fauna. Luckily, the visits to Antarctica are controlled by strict regulations: there is a limit to the number of people that can be on-shore at the same time. Moreover, ships that carry more than 500 passengers are not allowed at any of the landing sites.
Antarctica. Credit: Unsplash/ Cassie Matias
PHI PHI ISLANDS, THAILAND The Phi Phi islands of Thailand is a top choice for many travelers. The increase in tourism caught the attention of resort developers. Locals are taking action of keeping their treasures safe. For instance, WWW.EXPATSWORLD.COM
35
24 | Traveling
Phi Phi Islands, Thailand. Credit: Max Pexels
another popular tourist island, Koh Tachai, was recently closed to allow the environment to rehabilitate and rest itself. It?s likely to happen with the Phi Phi islands also.
GREAT WALL OF CHINA
" IN 2007 UNESCO PLACED GALAPAGOS ISLANDS ON ITS WORLD HERITAGE IN DANGER LIST."
The total length of the Great Wall of China is 21,196 km and annually two thirds, which is around 8,000 km, is destroyed by tourism. The destruction is caused by the number of visitors who walk on it. Additionally, environmental erosion is also creating damage. Galapagos Islands. Credit: Pixabay
of the World lacks government funding to prevent this harm.
M ACHU PICCHU, PERU This ancient Inca village receives a lot of attention and the tourism industry is flourishing here. Unfortunately, it negatively effects the location. UNESCO has even considered placing it on their list of World Heritage in Danger. Even though the government is limiting the number of visitors per day (no more than 2,500), it still doesn?t help to prevent irreparable damage.
GALAPAGOS ISLANDS Galapagos National Park is an extraordinary place, especially due to its views and diverse ecosystem, which is a very delicate one. In 2007 UNESCO placed the location on its World Heritage in Danger list. There are many tourism related restrictions, for example, groups can enter Galapagos National Park only with a licensed guide who accompanies them.
Unfortunately one of the Seven Wonders WWW.EXPATSWORLD.COM
Traveling |
Machu Picchu, Peru. Credit: Unsplash/Amanda
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LEARN MORE
INVESTING IN THE US USING US TRUSTS & US CORPORATIONS If you?re interested in investing in the US or want to use US trusts or corporate entities for investment purposes, please read on to find out more. ?Clients come to us for our legal and tax expertise related to US trusts and US corporations? states Ed Rogers, the CEO of US Trust Advisory Services LLC (UTAS). ?We advise on how to structure investments, in accordance with current tax compliance rules, and we also assist our clients to choose the best investment and asset managers that ensure investment growth. It is important to ensure that your investments are tax compliant, as there can be severe financial penalties, and even criminal consequences, if you get it wrong.? ASSISTING NON- US PERSONS TO INVEST INTO THE US UTAS was founded by a company called Offshore Consulting Services Limited (OCSL), in 2016. It was founded for the specific purpose of assisting non-US persons to invest into the US, or through the US, by using US trusts and corporate entities. OCSL has a 20 year+ wealth planning track record, as its own founder and CEO is Ed Rogers, a British citizen, with vast financial services experience. He has held senior level positions with trustee and corporate service companies, in 16 jurisdictions, during a 30-year career. US TAX AND VISA ISSUES UTAS was formed to ?ring fence? US trust and tax advisory services from OCSL?s usual international wealth planning business, as we offer advice to non-US persons, on US tax and visa issues. UTAS advises on ?immigration by investment? programs and also the reporting and tax issues for non-US resident ?green card? holders. We also deliver legal and tax advice related to US trusts and US corporations, plus we can assist in establishing US (and non-US bank) and investment accounts, for US trusts and corporations. We also furnish advice on how to comply with FATCA, and CRS, reporting requirements because of establishing such accounts. Please visit our website or contact us for more information.
Contact US Trust Advisory Services: +1 954 442-7861 info@ustrustadvisory.com www.ustrustadvisory.com
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40 | Famous expats
SOURCE: WIKIPEDIA & BIOGRAPHY A Kenyan-Mexican actress, Lupita Nyong'o, was born in Mexico City, Mexico, in 1986 to Kenyan parents, Dorothy Ogada Buyu and Peter Anyang' Nyong'o, a college professor. The family had left Kenya in 1980 for a period because of political repression and unrest. Nyong'o identifies as Kenyan-Mexican and has dual Kenyan and Mexican citizenship. She is of Luo descent on both sides of her family, and is the second of six children. It is a tradition of the Luo people to name a child after the events of the day, so her parents gave her a Spanish name, Lupita (a
Cr e d
it :
De vi a
ntA rt
diminutive of Guadalupe). Her father is a former Minister for Medical Services in the Kenyan government.
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The family returned to their native Kenya when Nyong?o was less than one year old, as her father was appointed a professor at the University of Nairobi. She grew up primarily in Nairobi, and describes her upbringing as "middle class, suburban". When she was sixteen, her parents sent her to Mexico for seven months to learn Spanish. During those seven months, Nyong'o lived in Taxco, Guerrero, and took classes at the Universidad Nacional AutĂłnoma de MĂŠxico's Learning Center for Foreigners. Nyong'o grew up in an artistic family, where get-togethers often included performances by the children, and trips to see plays. She attended
Famous expats |
Rusinga International school in Kenya and acted in school plays. At age 14, Nyong'o made her professional acting debut as Juliet in Romeo and Juliet in a production by the Nairobi-based repertory company Phoenix Players. While a member of the Phoenix Players, Nyong'o also performed in the plays On The Razzle and There Goes The Bride. Nyong'o admired the performances of American actresses Whoopi Goldberg and Oprah Winfrey in The Color Purple inspiring her to pursue a professional acting career.
Nyong'o later attended St. Mary's School in Nairobi, where she received an IB Diploma in 2001. She went to the United States to study, graduating from Hampshire College with a degree in film and theatre studies. Upon her return to Kenya during school summer vacation, Nyong'o discovered that filming for the drama The Constant Gardener was happening in her area. She joined the set as a production assistant and met Ralph Fiennes, who told her to become an actor only if it was something she couldn't imagine doing without.
DOCUM ENTARY AND HIV AWARENESS Nyong'o honed her craft as a filmmaker by directing, editing and producing the 2009 documentary In My Genes, which followed the
stories of several Kenyans who are living with albinism. And she became a star of Kenyan television in Shuga, an 55 MTV/UNICEF-backed series that looked at sexual relationships among youth in Nairobi, aiming to promote HIV awareness and safe sex via storytelling.
OSCAR FOR '12 YEARS A SLAVE' Nyong'o returned to the States and, pursuing her interest in acting, earned a master 's degree from the Yale School of
Drama in 2012, having performed in works like The Winter 's Tale with the school's Repertory Theatre. Weeks before graduating she found out that she had landed a part in director Steve McQueen's drama 12 Years a Slave. The Brad Pitt-produced film is based on the 19th century narrative written by Solomon Northup (played by Chiwetel Ejiofor), a Northern-based free man who was kidnapped and sold into slavery in the South. Nyong'o played the role of Patsey, an enslaved young woman who befriends Northup while being horrifically abused by plantation master Edwin Epps and his wife, portrayed by Michael Fassbender and Sarah Paulson. For her performance in the film,
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41
Credit: Alexi Lubormirski/Harper 's Bazaar
Nyong'o earned a slew of award nominations, before taking home the 2014 Academy Award for Best Supporting Actress.
"LUPITA NYONG'O IDENTIFIES AS KENYAN-MEXICAN AND HAS DUAL KENYAN AND MEXICAN CITIZENSHIP." FASHION ICON Nyong'o has become a majestic fashion icon, with red-carpet appearances and photos in publications like InStyle and W. She also twice graced the cover of Vogue in a short span of time, appearing on the publication's July 2014 and October 2015 issues. However, Nyong'o's appearance on the November 2017 issue of Grazia U.K. fueled controversy, after the actress slammed the magazine for retouching the photo to chop off her ponytail and smooth out her hair. The magazine subsequently apologized for the editorial mishap, with photographer An Le taking the blame for his "incredibly monumental mistake."
'STAR WARS' AND 'ECLIPSED' Nyong'o starred opposite Liam Neeson and Julianne Moore in 2014?s Non-Stop, a thriller
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about an air marshal confronted by a deadly ransom threat. In June 2014, Disney?s Lucasfilm announced that the Oscar winner was joining the cast of Star Wars: The Force Awakens, with the film having a December 2015 release. On her Instagram account, Nyong'o posted, "I can finally say it out loud and proud: I'm going to a galaxy far far away!" The actress portrays CGI space pirate Maz Kanata in what became the biggest domestic box office outing of all time, a role she reprised for the 2017 sequel, Star Wars: The Last Jedi. Nyong'o also prepared for her New York stage debut in autumn 2015 with the Public Theater 's Off-Broadway production of Eclipsed, a drama about the struggles of several Liberian women during civil war. Eclipsed made its way to Broadway the following year in February, and both the play and Nyong'o herself soon earned Tony nominations. Nyong'o returned to the big screen in 2016 with the feel-good Queen of Katwe, about an African girl who becomes a chess champion, and as the voice of the maternal wolf Raksha in a remake of Disney's The Jungle Book.
'BLACK PANTHER' Nyong'o found herself in the middle of another buzzworthy project when she was tipped to join the Marvel flick Black Panther as Nakia, the love interest of Chadwick Boseman's titular superhero.
Credit: MujerHoy
44 | Health
Ar t if icial In t elligen ce is sh apin g t h e h ealt h car e in du st r y f or t h e bet t er . M an y m edicin e r elat ed st ar t u ps im plem en t AI in t h eir w or k in g pr ocess t o f in d bet t er solu t ion s. Wh ich m ean s t h e lat est t ech n ology w ill h elp t o diagn ose sim ple an d com plicat ed diseases in t h e ver y ear ly st ages an d cu r e t h em . THE ALGORITHM CAN RECOGNISE ILLNESSES Cloud DX is a startup that changes the game in Toronto. Besides other healthcare related achievements in technology, the company is focused on AI to recognise the difference between cough sounds. 1,500 healthy and 750 sick people coughs were recorded in order the software could identify the difference of tuberculosis, pneumonia, upper respiratory infection and bronchitis. According to the CEO, Robert Kaul, ?It?s all about making the algorithm smarter than the doctor ?s gut.? Kaul ads that the industry is ready for changes: opportunities are high, and the quality must be adjusted to the present-day.
Credit: Pixabay
AI in t he Hea Indust r y
A NEED TO REINVENT THE HEALTHCARE INDUSTRY
SOURCE: EXPATSWORLD
The technology and processes used in this sector are quite behind the times. Old-school templates, complicated and usually expensive treatments, unpleasant billing and widespread paper-work are the closest associations of the healthcare system. Not surprisingly, the research, made by Accenture Interactive, confirmed the case: the healthcare sector is quite vulnerable because of the lack of competence in managing labor, transactions and innovations.
At the moment 168 AI-focused healthcare startups are counted, which are aiming to improve the situation by discovering new drugs, working with sonograms and experimenting with research & development (R&D). Well known international companies see the potential and show their interest in investing in these startups. For example, Amazon is collaborating with Merck in order to create an innovative diabetes care solution. The idea is based on Amazon?s Alexa voice platform.
Health
al t h car e Moreover, it is foreseen that by 2020 AI and virtual reality will make room for virtual meetings between a doctor and their patient. It will also help to improve revenue optimization and decrease health insurance fraud numbers. OTHER SPECTACULAR ACHIEVEMENTS The company, called M3dicine, created a Stethee technology which is a current version of stethoscope (the stethoscope was invented in France in 1816). This device hasn?t been
changed, improved or replaced since its creation in the very beginning of 19th century. Stethee combines heartbeat data and AI to understand the patient?s case better. 555 Meanwhile, Pillo Health takes care of reminding people to take their medicine. Orbita supplies conditions for remote patient monitoring by chatbots and voice assistants.
"Theheal t h car e sect or is quit e v ul ner abl e becauseof t he l ack of compet encein managing l abor , t r ansact ions and innovat ions."
IT IS NOT EASY TO GET IT GOING Many regulations, and especially those that protect people from products, slow down the progress. For instance, it takes between six and 12 months to get an approval for Cloud DX algorithms. Additionally, each change or improvement must be clarified and approved likewise.
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74 | Statistics
COUNTRIES WITH THE SOURCE: EXPATSWORLD Most of us don?t want to know how long we will live. However, there are some countries where most of us would like the answer to that question. This list is based on data provided by the World Economic Forum. Out of 137 nations included in the study, the top 10 countries with the highest life expectancy are all in Asia or Europe. Those in the bottom 10 (not mentioned here) are all in Africa. 1. HONG KONG SAR ? 84.3 YEARS Hong Kong is infamous for air pollution so this city may come as a surprise. There are 7 million people living here which contribute to the pollution, but despite that, life expectancy here is almost a full year longer than the highest in Europe. Citizens are quite active, practicing martial arts like Tai Chi. Steamed food is preferred over fried and a lot of tea is consumed. The Chinese also get most of their protein from plant sources. 2. JAPAN ? 83.8 YEARS The Japanese have always revered their elders and is well-known for its aging population. This country is the world?s leader for people who live over 80. It can accredit more than 58,000 people who are over the age of 100. The average diet includes a lot of fish, rice, tofu, soy, vegetables, and small portions and this is the greatest contribution to their
longevity. On the small island of Okinawa studies have shown that the people actually age slower because they have a higher level of sex hormones. 3. ITALY ? 83.5 YEARS There is a reduced poverty gap in Italy that is smaller than in other countries which helps the people live longer. Because of this, the standard of living has increased for everyone. Most people can afford better food and have access to good health care. Many people in this country often walk, which is one of the easiest ways to stay in shape. 4. SPAIN ? 83.4 YEARS Strong social connections are important to the quality of life which add to longevity. Generally, Spaniards are very family-oriented and keep strong social connections throughout their lives. The Mediterranean diet here is also an important factor. It?s estimated that by 2050, more than 36 percent of the population is expected to be senior citizens. This will be the highest proportion of seniors in any nation in Europe. 5. SWITZERLAND ? 83.2 YEARS The Swiss are some of the happiest people on the planet. This country has had a very stable government and boasts one of the most thriving economies in the world. The people are
Statistics
E HIGHEST LIFE EXPECTANCY IN 2018 also affluent. All of this means there is little or no conflict. In addition, the healthcare system is one of the best in the world. Switzerland has chosen to invest in developing people?s talents. This is because there aren?t many natural resources in the country. Between health, money, happiness, and, of course, chocolate, it?s hard to be chronically sick.
Singapore?s economy is strong, and its healthcare system is very efficient. This city-state is a good example of how to build a prosperous nation. Early prevention and detection of chronic disease is well monitored here. And it?s paying off. The local diet consists mainly of foods rich in nutrients and antioxidants ? fish, rice, and noodles. All quite healthy.
6. ICELAND ? 82.9 YEARS
9. SWEDEN ? 82.6 YEARS
Things are just done right in Iceland. People eat simply. High on the menu is lots of seafood, dairy from grass-fed cows, and locally grown produce with no pesticides. The country is full of hot springs and the locals like to swim a lot. Although there is little sunlight in winter, locals spend much time exercising to overcome seasonal affective disorder (SAD).
Sweden?s quality of the environment is above average when compared to other countries. In addition, education, work-life balance, subjective well-being, jobs and earnings, and social connections also rank higher than most countries. Only 1 percent of employees work very long hours, compared to 13 percent in other OECD countries.
7. FRANCE ? 82.7 YEARS Winters in France are not so harsh and generally people are quite physically active. The French have low rates of heart disease despite the popular consumption of cheese. Researchers say that the metabolism of cheese is key. Bad cholesterol is reduced with cheese consumption (when compared to butter with the same fat content). And small portions are key. 8. SINGAPORE ? 82.6 YEARS
10. AUSTRALIA ? 82.5 YEARS Aussies may have been getting a bit more plump over the last years, but they?re still expected to live a long time. The country has a new and improved healthcare system and a high standard of living. Residents here are better educated about how to stay healthy. No need to move if you don?t happen to live in one of these countries. There are plenty of good tips here that we can incorporate in our daily lives no matter where we live.
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48 | Language
SOURCE: EXPATSWORLD "FOREIGN LANGUAGE TV AND MOVIES AREN?T DUBBED IN THE NETHERLANDS AND DUTCH CHILDREN GROW UP HEARING ENGLISH IN POPULAR CULTURE FROM A VERY EARLY AGE."
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The locals are overwhelmingly tall. They ride their bikes everywhere very freely and without helmets. They?re great at sea level living. And now, in the most recent EF English Proficiency Index (EF EPI) ranking, they came in at number 1 for English. This was out of 72 countries measured in English skills. Over 90% of people in the Netherlands claim to know English. So, why are the Dutch so good at English?
Language
growth, but the Dutch have learned that they needed to learn English to enter the global market. Afterall, there are 27 million Dutch speakers ? and 2 billion English speakers. BRAD PITT AND FRED FLINTSTONE Foreign language TV and movies aren?t dubbed in The Netherlands and Credit: Unsplash/Hector Martinez Dutch children grow up hearing English in popular culture from a very early age. Many other countries, like Germany and France for example, dub everything and have less success integrating English into their cultural life. A BIG VOICE FOR A SM ALL COUNTRY FOR BUSINESS, THERE?S ENGLISH It?s a tiny country filled with 17 The Dutch are an enterprising million people and it has the 17th nation. The world?s first largest GDP in the world, and the multinational company (the Dutch 5th largest in the EU. The Middle East India Company) was East and South America rely on established in 1602. In the very sizeable Arabic-speaking and 55 same year the first modern stock Spanish-speaking market to drive
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exchange was set up in Amsterdam. The country is home to many iconic multinational companies (Royal Dutch Shell, Unilever, Heineken, and IKEA) which all have headquarters in the Netherlands. THE FLYING DUTCH The Dutch love to travel. A steady growth of Dutch students who travel abroad and take gap years has been witnessed by Education First. Not only does English open doors economically, it makes globetrotting that much easier. THE DUTCH ADVANTAGE Dutch is a Germanic language, and therefore share many of the same roots and characteristics as English. This is definitely an asset when learning. The Dutch are a bit modest when it comes to English skills. New York was once called New Amsterdam but most likely won?t remember that. The Netherlands has proven to be a great example of how a country?s English proficiency can make it future-friendly and globally competitive.
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52|
Legal
SOURCE: EXPATSWORLD
JAPAN?S RENT- A- FAMILY
INDUSTRY WWW.EXPATSWORLD.COM
In Japan, those who find themselves with a small or no family can hire a husband, a mother, or grandson for example. These relationships may turn out to be more real than one expects. Japan?s rent-a-family industry is growing but is it replacing the real thing?
Conquer ing Lonel iness A couple of years ago, Tokyo native Kazushige Nishida, lost his wife. His daughter had left home prior to that due to an argument and hadn?t been heard from since. Nishida, in his sixties, started renting a part-time wife and daughter. Nishida had always considered himself a strong person however felt very lonely and alone. Nishida was still going to work every day, in the sales division of a manufacturing company. In his free time he met friends with whom he could go out for drinks or play golf. The nights
Legal |
Credit: Unsplash/Finan Akbar
were lonely though and it didn?t get better with time. A friend suggested he go to hostess clubs which he tried. Chatting to the ladies was fun but when the evening was over he felt very alone again, and after having spent quite a bit of money.
Family Romance In Japan, there was a television program which featured a local company called Family Romance. It is just one of the several Japanese agencies that rent out replacement relatives. Nishida recalled seeing an elderly woman renting out a grandchild to take her shopping and this made her quite happy.
Fir st Encount er Nishida decided to contact Family Romance. He placed an order for his replacement wife and a daughter to join him for dinner. On the order form, he was able to
select his daughter ?s age, and his wife?s physique among other things. The cost of the rental family was forty thousand yen, about three hundred and seventy dollars.
Buy ing t he Appear ance of Lov e
The faux family first met in a cafĂŠ. Nishida?s new daughter appeared more fashionable than his real daughter. His new wife immediately impressed him as a very generic, simple middle-aged woman.
Real Impr essions
"ROMANCE HASBEENIN BUSINESSFOR 8 YEARSNOW WITHOVER 800 ACTORS ITCAN CALL ON."
Nishida?s new wife asked for specific details about how she and the daughter should act. Nishida explained in detail about the head toss which his wife did to rearrange her hair and how his daughter poked him in the ribs. Both women then started acting. His new daughter would playfully poke his ribs and his wife tossed her head to shake her hair. From the outside it seemed like a real family.
Family Romance prides itself on being able to provide a surrogate for almost any conceivable situation. The company believes that helps people cope with unbearable absences or perceived deficiencies in their lives. The CEO predicts that his business will continue to grow exponentially as a la carte human interaction becomes the new norm in an increasingly isolated society.
Money may not buy you love but in the country of Japan it can sure buy the appearance of it. Family Romance has been in business for 8 years now with over 800 actors it can call on. Actors range from small babies to elderly people.
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54 | Featured city
HOW IS OSLO TO LIVE IN? SOURCE: EXPATSWORLD Any prospective expat spending a day in this vibrant city to familiarize themselves will be easily able to answer the question, How is Oslo? The answer is immediately obvious as are the reasons why Oslo,
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Norway?s capital and its largest city remains Europe?s fastest-growing capital. Flanked by mountains, Oslo is set in a giant amphitheatre with its feet soaking in the Oslofjord, an inlet of
the imposing Skagerrak Bay which thrusts all the way up to burst out into the North Sea, while its suburbs spread out and up to meld with the densely forested Marka area.
Featured city | resolutely remains one of the globe?s greenest cities. Recently, Oslo won the crown of European Green Capital for 2019, thanks to its boasting one of the lowest carbon footprints in the world, excellent public transport infrastructure, a philosophy towards city planning that firmly places pedestrians ahead of automobiles together with a real commitment to public green spaces and sustainable food production. The city is blessed with a profusion of verdant parks, and the Oslofjord?s waterways and islands remain mere minutes away from the city centre, as are the sweeping expanses of Nordmarka forests with its well-groomed ski slopes.
Oslo Nor w ay Cu lt u r e In many ways, Norway is admirably egalitarian and Oslo?s culture reflects the ?Jante Law? philosophy. The concepts underlying ?Jante Law,? elevate the values of simplicity, equality, humility and respect to the fundamental pillars of Norwegian cultural identity. Norwegian people are reticent to highlight their personal achievements such as wealth, material goods and intelligence and remain endearingly unimpressed by surface displays of wealth or conspicuous consumption. Traditionally in Oslo, the local culture values people according to their integrity, respect and honesty without much of the Western cultural approach based on judging others personal and professional accomplishments and standing in the community. Credit: Unsplash/Oliver Cole
Livin g In Oslo Oslo is a city comfortable with its past and eager to usher in its future as can be seen by its thriving museums, burgeoning foodie movement, dynamic contemporary art scene and daringly energetic architecture. It is equally comfortable paying obeisance to past cultural icons such as Henrik Ibsen and Edvard Munch as it is recognizing the achievements of modernist crime writers Jo Nesbø and Anne Holt in propelling its mean streets to the height of Norwegian-Scandi noir fame. Today, Oslo?s skyline is crowned by jostling cranes, as this rapidly expanding mini-metropolis
Norwegians are a largely cohesive country with a highly developed sense of national identity nurtured by a wide-spread nineteenth-century national romantic movement and by the country?s experience as it emerged in 1905 as an independent constitutional monarchy. The small size of Norway?s population at around five million also naturally supports a vibrant sense of cultural identity.
Typical Nor w egian St er eot ypes Norwegians are renowned for appearing honest, humble and reserved in outlook and straightforward in their interpersonal relationships. They are uneasy with hierarchies which conflict with their egalitarian instincts.
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Credit: Pxhere
"ABOUT 10% OF NORWAY?S POPULATION SUFFERS FROM SOME TYPE OF SEASONAL AFFECTIVE DISORDER (SAD) WITH MOST RECENT ARRIVALS FINDING THE WINTER MONTHS TIRING AND EXHAUSTING AT BEST, THROUGH TO UNBEARABLE AT WORST."
Translated into the workplace, an expat?s boss is far more likely to ask for their opinion than to give them direct orders. Foreigners often find Norwegians are difficult to get to know initially. Overall, many native Oslo residents can be wary of strangers but open up once they get to know someone more fully. Once a person has been accepted into a community or social group in Oslo, they often discover they have acquired a friend for life. In social situations, expats may find Norwegians are not as outwardly welcoming. They are unlikely to greet a new arrival in the street, in the shops, or even in social situations until they feel they know someone and are comfortable with them. Norwegians place a high priority on spending time with their families, so are more likely to head home after work rather than spending time socializing with colleagues.
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Oslo?s Of f ice Cu lt u r e Expats often find Norwegian working hours pleasantly flexible and extremely family-friendly. Oslo as the country?s capital, expects its workforce to be productive and work hard during work hours, which Norwegian companies define as from 8:00am to 4:00pm. On the scarce warm and sunny days during the year, some companies close up at 3:00pm to allow their employees time to enjoy the great outdoors, spend time with their families or to play sports. Employees with children are routinely allowed to leave the office by 3:30pm or 4:00pm to collect their children from daycare. If one?s children are ill, the parents are also often permitted to stay home for a few days to take care of them. These general rules apply broadly to the public sector and to many private sector organizations.
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Oslo En t er s Th e Gig Econ om y Starting out as a professional freelancer or gig economy entrepreneur in a new country can be intimidating and very daunting. Starting a business is difficult enough in any environment but toss in a new language, unfamiliar rules and foreign regulations into the mix and even working in the gig economy can prove to be tough, particularly in an alien working culture.
comprise 32.5% of Oslo?s population. More recently, Oslo has experienced a significant increase in immigrants from the Baltic and central and eastern European countries thanks to the well-known generosity of Norway?s social security system.
Happily, Oslo is embracing the emergence of the gig economy and is opening co-working spaces at a rapid rate. From one or two brave experiments, there are new collaborative workspaces opening up almost every month. These shared facilities provide a base for entrepreneurs and freelancers to work out of, collaborate in and get the support they need to prosper.
M u lt i-Cu lt u r al Nor w ay In a globalized world, Oslo has not been immune to the pressures of large-scale immigration. With roughly five million inhabitants, Norway is a small country globally but has one of Europe?s fastest growing populations. Today, Oslo?s ethnic and cultural diversity is broader than ever before. Immigration continues to account for the bulk of Oslo?s population growth. Nearly 750,000 of Norway?s 5.2 million residents are immigrants. That number is expected to soar to 20 percent within 10 years. Their children, with their multi-cultural backgrounds, will also gradually leave their mark on the city. Oslo?s increasing multiculturalism is drawn from people of Polish, Pakistani, Somali, and Iraqi backgrounds. Together, these immigrant groups now
Credit: Unsplash/Thomas Bjornstad
Fam ily Lif e In Oslo Oslo is a real-world children?s paradise. This makes for happy and unstressed parents. Regardless of where one goes in Oslo, you will encounter children, be it with their barnehage group on the trikk at Frogner Park?s playground, on skis or on sleds in Nordmarka during winter, or enjoying the fresh outdoor air accompanied by their parents, pushing strollers, carriers or on bicycle trailers.
"OSLO?S HEALTHCARE SYSTEM IS EXTENSIVE AND THE GOVERNMENT?S HEALTHCARE BUDGET IS AMONGST THE WORLD?S HIGHEST."
Mothers enjoy access to a full year of maternity leave and there is a very active mothers support network, which meets in local cafĂŠs or parks. Sidewalks are often bustling with baby carriages. These groups are laughingly referred to WWW.EXPATSWORLD.COM
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58 | Featured city
"NEARLY 750,000 OF NORWAY?S 5.2 MILLION RESIDENTS ARE IMMIGRANTS."
as ?Mamma Mafian? or the Baby Brigade when they invade cafĂŠs during the day. Children are very much a part of Oslo?s vision for its future. Consequently, children are well cared for and included in all aspect of social planning, making Oslo is a fabulous place to raise a young family. The government provides a range of
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social benefits to families with children. Norwegian society is well designed to care for children, from school through to family life. Oslo is subsequently a very safe city for children. The city plays host to cultural events for children, ranging from festivals and live theater to touring museum exhibitions. There is also an extensive range of activities designed specifically for
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Credit: Flickr/Jorn Eriksson
mothers with young children, including ?Mommy and me? swimming, dance and yoga lessons at local gyms, together with daycare facilities. Some workplaces offer daycare and even blend children?s playrooms with adjoining offices for working parents. This emphasis on family is one of Oslo?s defining characteristics. Amongst employers, most employment contracts reflect these values through their excellent maternity and paternity leave policies. New mums are granted 12 months? paid leave at 80 percent of their
salary (or 10 months at 100 percent) plus subsidized childcare facilities. Little wonder Oslo is recognized as a wonderful place for children as they grow up, with access to higher education considered fundamental for all residents. The majority of Norwegian universities and state university colleges are free even for foreign students and do not charge tuition fees. Subsequently, Norway enjoys one of the world?s highest adult literacy rates.
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Working abroad
THE TRUTH ABOUT THOSE PARIS CLICHÉS Source: ExpatsWorld Everyone has heard clichés about Paris and its inhabitants. The rudeness, the dog poo, the slim women, the reluctance to help tourists, the Metro nightmares. We?re here to set the record straight and get to the truth about those Paris clichés? in a comical way. Read on to see which clichés are myth and which are reality. Credit: Flickr/Kinga Cichewicz
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Working abroad
PARIS IS NOT KID-FRIENDLY REAL: Parisians like children of course, but they just don?t want to see them in bars or restaurants. Parisian restaurants generally don?t have kids chairs or colouring books to keep the little ones occupied. Generally speaking it?s not a kid-friendly city. Space comes at a premium in this city and perhaps one reason kids are not welcome in restaurants is that they take a lot of space, so you feel bad bringing them into these tightly packed spaces.
DOG POO ON THE STREETS IS A REAL PROBLEM REAL: This clichĂŠ is as bad as the reputation. If you have ever lived or spent time in Paris, you know how bad it is. Where one has to be extra careful is around schools. It seems people just don?t care and figure City Hall will clean up the mess. After all, that?s what paying taxes is for!
WAITERS ARE RUDE Myth and reality: This clichĂŠ depends on where you go in
Paris. Many of the new trendy cafes have friendly service staff but if you go to the real tourist areas the staff can be so rude.
PARISIANS DON?T LIKE SPEAKING TO TOURISTS
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because you know there are cars going to come through those red lights. It?s likely that approximately 80 percent of people who are knocked down at pedestrian crossings are old people, because they always start to cross as soon as the man turns green.
Myth and reality: Generally speaking, Parisians do hate giving directions to tourists but THE M ETRO IS A it?s often due to the fact that NIGHTM ARE they don?t like speaking English, not because they are rude. " PARISIANS Although it may not DON?T SNACK IN seem the case, Parisians BETWEEN M EALS can be quite shy about AND THEY HAVE speaking English. They TO WALK A LOT shouldn?t be because IN PARIS, WHICH everyone loves their M IGHT EXPLAIN accent.
BIT OF A
Part reality: Truth be told, there are some dodgy guys on the Paris Metro. Women have to be careful as they may WHY THEY ARE find a man Paris is one of the top SO THIN." rubbing up tourist cities in the against them world, so maybe we (in which case you have to say can?t blame Parisians something). for feeling fed up sometimes. Aside from dodgy guys, there are times you can?t even get on. CROSSING ROADS IS Sometimes you have to wait for DANGEROUS several trains to pass. If you REAL: Many Parisian parents need to travel during morning don?t let their kids cross the road rush hour, between 8am and by themselves. Once the lights 9am, it may be better to take a have changed from red to green bike. And if you?re pregnant, you still have to wait two don?t expect someone to give seconds before you cross, you their seat.
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Working abroad
Credit: Unsplash/Priscilla du Preez
PARISIAN WOM EN ARE SLIM REAL: There have been books written about the Parisians being so slim. It?s because Parisians eat small portions and we don?t eat croissants for breakfast. Well, at least not every day. Generally speaking, Parisians don?t snack in between meals and they have to walk a lot in Paris, which might explain why they are so thin. Parisians also don?t have any habits such as drinking a big glass of milk before they go to bed. If you do see overweight people in Paris, it?s likely they are from outside Paris or tourists.
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DRIVERS IN PARIS ARE GENERALLY CRAZY REAL: It?s horrible, it?s just really really bad. It seems like Parisians are constantly having a nervous breakdown at the wheel. And forget about parking ? people don?t even want to let you park. If you block the road people will start beeping at you. And you better not mind dents and dings on your vehicle because they don?t even care if they bump into other people?s cars.
DINNER PARTIES ARE SERIOUS BUSINESS REAL: A real part of social life are the dinner parties. Generally
around eight people will get together around a table at a dinner party and will talk about anything from sex to politics. They will go on until 1 or 2am. Dinner parties are serious business.
FINALLY, IS IT TRUE ONE SHOULD NOT EAT THE PEANUTS AT THE BARS? This is true, don?t eat them. These peanuts have been found to have about 45 different germs on them, in addition to urine. People visit the toilet, do not wash their hands and then put their hands in the peanut bowl.
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YOUR LOCAL EXPERT IN BARCELONA If you?re looking to visit Barcelona to see the GaudĂ architecture, lay on the beach or enjoy the Mediterranean cuisine, BCN Travel is your perfect go-to. They will be your local travel expert making sure that you enjoy your stay and keep visiting, as millions of other fans of Barcelona have done before. Passion for travel BCN Travel was founded by Christian Petzold, an avid tourism enthusiast. ?Looking back to when my passion for travelling was developed, I think this must have been in my early childhood.? Says Christian. ?My parents always used to travel with me and my siblings by caravan into a neighbouring European country. Eventually this lead me to study tourism management in Germany and the UK. Implementing at least some elements of this experience in a mass tourist destination like Barcelona, is one of the aims of our activity.? BCN Travel services: Full service ground transportation in the whole of Spain (airport transfers, hosts, transport service at trade fairs, round trips throughout Spain) Accommodation in Hotels and Apartments, extensive corporate hotel portfolio Business event services (venues, catering, audio-visuals, entertainment) Tours & Activities (Daytours, Team-building, Exclusive visits,? ) Related services: Admissions, Restaurants, etc. Get insider tips Trust our experience like numerous clients before from multinational corporations to ambitious independent travellers. We will accompany you from the early planning stages until the successful completion of your programme ? always dedicated to supply your requirements in order to help you reach your targets and your return on investment From an executive meeting in a well-connected business hotel to an industry leading conference in a historic palace. From a private football match in Europe?s largest stadium, Camp Nou, to a tailored city tour in Toledo, the ancient capital of the Spanish empire during its golden age. From a luxury resort in Ibiza, the favourite summer destination of the jet set, to a mountain villa in a ski-resort in Andorra. From a traditional Andalucian flamenco show to an exclusive tapas tour in Madrid ? we?ll get you the best of Spain, without a doubt. Barcelona is full of culture and passion. Contact us for advice on your stay.
Contact BCN Travel: Phone: +34 934 12 15 97 Email: info@bcn.travel Web: www.bcn.travel
66 | Taxes
HOLIDAY JOBS: SPECIAL TAX-FREE STATUS HAS ENDED SOURCE: THE GUARDIAN
"THE AMOUNT OF MONEY STUDENTS ARE PAID THIS SUMMER LARGELY DEPENDS ON WHERE THEY ARE IN THE COUNTRY."
Students taking short-term holiday jobs this summer face paying income tax and national insurance after a little-known change in the tax rules a few years ago, accountants have warned. Those starting temporary jobs as waiters, bar staff, cleaners and fruit pickers in the coming days face being taxed as any other worker if they earn more than £987 in a single month, tax advisers Blick Rothenberg said this week. Previously, low-earning students could declare their student status and be paid tax free. Now they face having to pay the tax then reclaim it, with all the hassle that this entails. This is the case even though most students will almost certainly be earning less, over the year, than the £11,850 personal threshold ? the
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amount at which a person starts paying income tax. The amount of money students are paid this summer largely depends on where they are in the country. They have to receive the minimum wage ? £5.90 an hour for 18- to 20-year-olds, or £7.38 an hour for those aged 21 to 24. However, the rates offered will, for some students, be significantly higher ? particularly in London and the south-east. Those doing bar jobs in central London, for example, are being offered about £8 an hour by decent employer pubs. Supermarkets pay between £7 and £8 an hour to junior staff manning the tills or stacking shelves. Meanwhile, temporary receptionists ? another student staple ? typically receive £7.85 to £8.50 an hour outside the M25, or £12 an hour in London, where the job is organised by temp agencies.
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Credit: Unsplash/Kate Townsend
Agencies supplying waiting staff for functions and hospitality events typically pay £7 an hour but these jobs often have the added benefit of paying handsome tips.
they were in full-time education and would not be exceeding the personal allowance over the tax year. Employers would then not be required to deduct tax.
Yadvinder Rihal, employment taxes manager at Blick Rothenberg, explains: ?When a student is employed over the holiday period ? even though they are in full-time education ? there are now no special procedures. Employers must treat them in exactly the same way as any other employee, including their eligibility for pensions auto-enrollment.?
Now, he says, there is a considerable confusion about this among both employers and the students. ?With the introduction of real-time tax reporting this old system was abolished. It means if you have a job when you?re a student you have to pay income tax if you earn more than £987 a month on average ? this is your personal allowance ? and national insurance if you earn more than £162 a week. Your employer will deduct income tax and national insurance from your wages through
He says that previously HMRC had a procedure whereby a student would complete a declaration advising it, and the employer, that
Pay As You Earn.? A student earning £8 an hour and working a 35-hour week would exceed this threshold if they worked the full month, meaning they will be taxed, albeit not very much. Any student who earns less than £11,850 ? once any term-time work is added to summer earnings ? during the tax year, can claim it back in April. ?If you?ve paid tax and stopped working part way through the tax year you may be able to claim a refund by contacting HMRC,? says Rihal. ?HMRC may require you to set up a personal tax account in order to process the refund. This can be done online.?
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Quality of life
THEHIDDENCOSTS OFNOTTAKING VACATIONS Sour ce: Ex pat sWor l d We know Americans can be good at many things, however, vacationing isn?t one of them. Every year millions of American workers fail to take their allotted vacation days, according to workplace surveys. It seems that the overriding reason is fear but there are costs of not taking vacations. Last year, approximately 54% of Americans ended the year with unused vacation days. When added together, that is 662 million paid days off. About a third of these days (206 million) cannot be rolled over or exchanged for money.
Fear of fal l ing behind The lead deterrent to taking time off is the fear of falling behind with work (43% of people cited this as their main reason). The number 2 reason for not leaving the workplace is that people fear that no one else can do the job in their place.
Credit: Unsplash/Rawpixel
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And, while many people fear their absence will be dearly missed, the fear that someone else may do a better job while we?re away is a big concern. No one likes being replaceable.
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Pr oduct iv it y- based cul t ur e The reluctance to sit on a beach somewhere is not all about fear though. Corporate culture in the USA is fixated on productivity, efficiency and constant connectedness. Technical advances have only made working around the clock, 365 days a year that much easier. Most of us are harnessed to our smart phones, spanning the time zones where our jobs are relevant. When one time zone is in ?downtime?, it is peak time in another region leaving no time to pause.
Ov er a quar t er (26%) of Amer icans sacr if icevacat ion t imet o demonst r at et heir dedicat ion t o t heir empl oy er s. They seeit as a badgeof honour and it is par t icul ar ly pr eval ent in t heU.S. wor kf or ce. Thebenef it s of r echar ging Americans essentially gave up $66.4 billion in benefits last year alone just by forfeiting those 206 million vacation days. Some people may have experienced short-term benefits (by not taking those paid days off) in terms of their own performance or competitiveness. However, these short-term gains may be at the expense of long-term failures. Everyone needs a break and vacations can help improve productivity, creativity, workplace accidents, job-related errors, stress, fatigue, even illnesses.
When someone has recharged they can look at old problems with new perspectives. During our time off we are more prone to make new connections and think of new ideas because we can take a step back and look at old problems with fresh eyes.
Manager s shoul d l ead t heway Employees need to break through the fear and actually take the vacations, and good managers can help encourage that. Managers should also lead by example and take the vacation days allotted to them. Those leaders who remain connected to the office while on vacation, sending emails and participating in video conferences, relay a strong signal to their employees. This sets the expectation that if the boss is always connected, that they have to do the same.
Cul t ur al inf l uences at pl ay Over a quarter (26%) of Americans sacrifice vacation time to demonstrate their dedication to their employers. They see it as a badge of honour and it is particularly prevalent in the U.S. workforce. There is quite a contrast with employees in other countries who tend not to hurry so much, and leave time to enjoy the process and life itself. However, this can be difficult to do for some. Taking vacations and mini-vacations throughout the year is the norm in Europe. It?s actually not uncommon to take a full month off work, and some countries or companies even mandate time off. This does not happen in the USA. In a culture that values accomplishment and that rewards superstars, the temptation of trying to optimise every day is very real. WWW.EXPATSWORLD.COM
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70 | Social Media
INTERNET CENSORSHIP IN CHINA SOURCE: EXPATSWORLD Internet in China is strictly controlled by many laws and administrative regulations. It is the most extensive and advanced online censorship operation in the world. More than sixty Internet regulations have been created by the government of China, which have been implemented by provincial branches of state-owned ISPs, companies, and organizations. The governmental authorities of China block access to selected foreign websites and slow down cross-border internet traffic, also monitors individual activity of users. Moreover, it limits the access of foreign international tools and mobile apps; and requires overseas companies to accustom to the indigenous regulations. For this reason, this phenomenon has a worldwide famous nickname ?The Great Firewall of China?.
THE GREAT FIREWALL China has created a well-working digital control system which applies internet filters, called the Great Firewall. It restricts what a user can see, reach and do online. Additionally, it also provides information on what residents are doing on non-Chinese apps and services. Google search, Facebook and WhatsApp, the most recognised and used internet applications of this age, has been widely blocked in mainland China by the country?s government. These restrictions ignore foreign companies completely and encourages self-censorship. WWW.EXPATSWORLD.COM
REASONS AND OBSERVATIONS The current government, under the leadership of president Xi Jinping, actively invests more resources to improve the censorship at its maximum. Since the Communist party is responsible for leading the country in this direction, it is believed that the virtual and real worlds are related and depend on each other. Thus, both worlds should reflect the same political values, ideals, and standards. The strict censorship is affecting foreign business and threats to technological and digital advancements: the benefits of the internet like advanced commerce and innovation, can slow down compared with overseas. However, the initial developers of ?Chinanet? are aware about it and are trying to support and accept the costs in terms of economic development, creative expression, government credibility, and the development of civil society. Human rights and social changes influence the local society which seek for more liberations and rights.
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72 | Insurance
The f ut ur e of aut o insur ance Sour ce: Tel egr aph Dr iver less veh icles w ill be a r ealit y in ou r digit al lives, an d t h e car in su r an ce in du st r y of t h e f u t u r e w ill n eed t o m eet t h e ch allen ge of t h is r adical ch an ge. Motor insurance stands on the cusp of momentous change. It is no exaggeration to say that by the end of the next decade it will be a fundamentally different industry from the one that has barely changed over recent generations. The 1980s revolution in direct insurance and the more recent arrival of comparison websites may have reshaped the distribution model but they were merely different ways of selling the same product. Now, the product is changing because the vehicles themselves and the attitudes towards ownership are changing at an unprecedented pace. "The role of insurers will be transformed", says James Rakow, insurance partner at Deloitte. ?Insurers will embrace the safety
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agenda through the advent of semi-autonomous vehicles by moving outside the pure underwriting role to a risk-management and risk-mitigation role. They will also have to develop a multi-modal way of looking after people?s insurance needs, because they will also need to focus on the car-less driver as much as the driver-less car.?
Impact of t he shar ing economy Young adults learning to drive today are growing up in a world where car sharing is more commonplace and ride-hailing services are a regular form of transport. Many anticipate that young people will not own cars to anything like the same extent as their parents, because it is no longer an aspirational milestone in life. The culture of a country is important in how it embraces the sharing economy. In the UK, this is likely to see the emergence of
mobility insurance in the form of short-term insurance taken out for specific journeys in different vehicles. "Collecting and using that data will be a two-way process", says Graeme Trudgill, executive director at the British Insurance Brokers? Association (BIBA), "especially because connected cars open up new opportunities for insurers to engage with policyholders, and vice versa."
New dr iv er demogr aphics Martin Bridges, BIBA?s technical services manager, says insurers will also have to respond to changes at the other end of the demographic age scale as autonomous vehicles become more common, at least in certain driving environments. He says: ?Autonomous vehicles have huge potential when it comes to older drivers, because it will allow them to retain their mobility.?
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While insurers should embrace the demographic change and vehicle automation, Mr Bridges stresses that they must not lose sight of the customer especially those living in rural areas where car ownership is almost obligatory to avoid social isolation, and where the driving environment is unlikely to lend itself readily to automated vehicles.
the implications of its imminent arrival is underway.
Aut onomous car s: a doubl e- edged swor d
It is not just insurers that need to keep up with the pace of
This potential for autonomous vehicles to be a game-changer when it comes to reducing accidents both excites and unsettles insurers.
In the UK, Government and manufacturer investment has brought us to the crucial level 3 stage in the development of autonomous cars, where cars will be able to drive themselves but will hand back to the driver when facing situations they can?t handle.
even faster, as new laws have just been passed to allow fully roads. Scandinavian countries are also autonomous level 5 cars on public looking to get fully automated vehicles onto their roads by the end of the decade.
Insur Tech wil l impr ov e cl aims pr ocess One area in which consumers should quickly see improvements is claims handling, says Mr Rakow, especially as dash cams and
Credit: Unsplash/Bram van Oost
The possibility of third-party accident claims almost disappearing has already prompted Forbes to warn the US insurance industry that premiums for conventional motor accident insurance might come down by as much as 75pc by the end of the next decade, sparking a wave of consolidation and realignment. With more than 90pc of accidents caused by human error, such predictions need to be taken seriously. Automated emergency braking, lane-drift sensors and self-parking are already joining established safety features such as anti-lock braking in new cars, so the autonomous vehicle ? with the potential to be driver-less ? moves ever closer. The rush to understand
development ? the legislators also have a challenge on their hands. New laws in the Automated and Electric Vehicles Bill will ensure clarity in how liability for accidents caused by automated vehicles should be apportioned. In Germany, the pace of change is
telematics become commonplace. ?Once there is more objective information around the circumstances of an accident, it will change the way liability issues and responsibility for accidents are determined. It also offers the potential to eliminate certain types of fraud.?
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Challenges
SOURCE: EXPATSWORLD ost of us enjoy hot summer weather. Especially if we are on our vacation in Spain. But we have to be aware that it can become quite dangerous to our health if we lose control and disregard possible risks: heatstroke, sunburns, dehydration, and sunstrokes.
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TIPSTO SURVIVE THE SPANISH HEAT WWW.EXPATSWORLD.COM
So, here are a few tips on how to survive the Spanish heat and stay safe under the sun. Even locals use them!
Pr ot ect ion against sunbur n Even though we don?t have anything against the look of a lobster, it possibly can increase the chances of having skin cancer at some point. So, high factor sun cream, shade, an umbrella, and a hat are the best alternatives to prevent it. By the way, it is worth knowing: SPF (Sun Protection Factor) doesn?t mean the strength of a sun cream. It is all about timing. E.g. if your skin would normally burn after 10 minutes in the sun, applying a SPF 15 sunscreen would allow you to stay in the sun
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without burning for approximately 150 minutes (a factor of 15 times longer).
NEVERSIT INA PARKEDCAR It takes only a few minutes for a car to turn into an oven under the Spanish sun. Don?t leave anyone (children, older people or pets) in the car even though all the windows are lowered down, and it is parked under the shade.
Choose nat ur al and l ight er f ibr es Loose-fitting and lightweight clothing is the best choice for summer. On the other hand, tight and synthetic clothes make you sweat, and prevents air from circulating around the body.
Dr ink pl ent y of l iquids Sangria or cerveza are not suitable options. Make sure you always have water with you. Liquids help to keep us hydrated and are responsible for maintaining normal body temperature.
Keep cool and r el ax Swim in the sea, dive in the swimming pool or spend some extra time in an air-conditioned mall simply to refresh yourself. Avoid staying under the direct sun during the hottest hours of the day. Try a siesta: lie down on your sofa in the room with shutters down. These are pleasurable ways to keep yourself going through the heat.
"SPF(Sun Pr ot ect ion Fact or ) doesn?t mean t he st r engt h of a sun cr eam. It is al l about t iming."
Don?t ov er do it If you are a visitor or a newcomer in Spain, most likely your sun and heat tolerance is much lower than Spaniards. So, don?t try to keep in step with the locals. Follow your own rhythm.
Be mindf ul Your heat tolerance depends on many factors like age, medical and physical condition of your body. In any case, protection is always necessary: better safe than sorry!
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50 | Featured city
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Credit: Unsplash/Willian Justen de Vasconcellos
Featured city |
WHY RELOCATING TO DUBLIN MIGHT BE A SMART DECISION? SOURCE: EXPATSWORLD Du blin is a t r u ly bew it ch in g cit y of old-w or ld cobbled st r eet s, h edon ist ic pu bs, m edieval cast les an d soar in g cat h edr als con t r ast ed w it h a vibr an t cu lt u r al scen e bu r st in g w it h t h r ivin g ar t galler ies an d a dyn am ic n igh t lif e. With an economy beginning to rebound again, a magnificent architectural heritage and broad expanses of greenery coupled with some of the friendliest people on the face of the planet, makes living in Dublin Ireland one of the most attractive places to call home. RELOCATING TO DUBLIN Most expats in Dublin who live in Ireland will cheerfully expound on the manifest joys of living in this tumultuous city. From its Georgian architectural legacy, to its determinedly cosmopolitan outlook, the last decade has seen Dublin unashamedly embrace diversity and multiculturalism.
Here, as well as the traditional craic, you?ll encounter languages and enjoy cuisine from around the globe. Here are five of the most compelling reasons for relocating to Dublin and becoming one of the legions of expats in Ireland.
an enormously diverse range of restaurant and cafĂŠ cuisine styles, spanning traditional European cuisines, through to Asian, North African and African dishes. Pub In Dublin. Credit: Public Domain Pictures
DUBLIN IS UNABASHEDLY COSM OPOLITAN Dublin is Ireland?s cultural and aesthetic capital. A rebounding economy has enticed an inflow of international companies to locate their European headquarters to Dublin. Whether you are single plunging into Dublin?s nightlife or a family enjoying a day out in Phoenix Park, Dublin has an alluring quality of life. From writers, artists and performers to chefs, bakers and baristas, everyone finds themselves warmly welcomed. With this cosmopolitan mix comes
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Dublin on a sunny day. Credit: Public Domain Pictures
Even a sortie to a local supermarket will spoil you for choice, as will the colourful local markets where fresh local food is a joy to behold. CRAIC, PUBS AND BANTER Not only is Dublin a welcoming city, they have a deeply entrenched sense of humour too! No one living in Dublin is ever short of either an opinion or something amusing to say. Dublin is rightfully famous for its ?craic?, a form of witty banter. A sweeping sense of humour ?craic? is definitively Irish in its wry, laid-back approach. Having the ?craic? at your fingertips is a national sport, as definable as football. Indeed it's one of the most important aspects of daily life in Dublin. In particular amongst communities where the traditional pub is their centre. After a long day spent at work, entering a pub, restaurant, beer garden or park is to plunge into a
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larger than life buzz of people swapping stories and telling jokes. Dubliners love a chat and there?s always a conversation to be had, even at a bus stop. Part of the enduring charm of the ?craic? is an obligation not to take life too seriously. Dublin is a charmingly lighthearted place to live. Dubliners can often be heard bypassing the beige ?how are you? and replacing it with ?what?s the story?? So, if you plan on joining the host of expats in Dublin, be prepared to have a chat and a laugh. Oh, and the pressure is on to be as confidently witty as any Dublin native. Dublin on a rainy day. Credit: Pixabay
WHERE THE WILD THINGS ROAM Dublin may be a charmingly cosmopolitan city but it maintains its wild roots. Wherever you are in Dublin, you?re rarely further than twenty minutes away from being able to enjoy the bounty of Mother Nature.
Whether it?s the mountains you love, a lazy stroll along a beach, a picnic in a park with your family, or a promenade through the botanical gardens, nature will be waiting to refresh and revive your spirits.
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Much as you may love Dublin?s city vibe, there are days when a short scenic train trip is just the restorative tonic you need. This way takes you along the Dublin coast to one of its quaint coastal fishing villages. Alternatively, a fundamental part of ?lifestyle Dublin? is Phoenix Park, a magnificent green expanse and Europe?s largest urban park. Here the many aspects that make Dublin live are on show. Sit down, chill out and watch the wild deer casually saunter within the park like characters out a Disney movie. Similarly, the Wicklow Mountains, with their numerous well-laid out
tide is in. AFFORDABLE EDUCATION AND M EDICAL COSTS Compared to many countries, Dublin?s educational and medical expenses are refreshingly affordable. Many good primary and secondary schools are either free or comparatively low-cost. Similarly, college fees here are generally affordable. College grants or ?free fees? are far more accessible, banishing the dreaded spectre of student loan debt. Generally, medical expenses are also similarly affordable. If you qualify for a medical card in Dublin, basic health care is free. If you elect to go to an ER, while you may have to wait a considerable long time until a doctor is able to see you, its services are free of charge. In many instances, an ambulance ride is also free of charge. HEALTHY LIVING Dublin has experienced a health and wellness revolution. Out go stodgy pub dishes, in come good food and healthy exercise. Walking to work is not considered an extreme sport in Dublin. Its bustling new gyms are packed and bicycles jostle with cars on the road for popularity.
hiking trails and delightful views, are nearby. Staying in the Wicklow areas, its towns of Greystones and Bray provide an atmospheric cliff-side coastal connecting walk. Or, you can hop on a Dublin Bike for a leisurely ride along Sandymount Strand with its water views, or fossick for seashells if the
More and more restaurants, cafes and grocery stores are surfing the wellness trend and embracing customers living a vegan, vegetarian, gluten free, dairy free or ?paleo? everyday lifestyle. If you are in search of a healthy lifestyle Dublin is the place to be. However, don?t expect to find the wellness police running a healthy
" REM NANTS OF ITS RICH CULTURAL HERITAGE ENDURE AND ALTHOUGH DUBLIN?S COST OF LIVING IS HIGH BY EUROPEAN STANDARDS AND THE WEATHER CAN BE DISHEARTENING, DUBLIN HAS NEVERTHELESS M ANAGED TO BECOM E A COSM OPOLITAN CITY." lifestyle movement. In keeping with its character, Dublin has remained straightforward and unpretentious about its embrace of healthy living. COST OF LIVING IN IRELAND Expats will find that compared to many European and Asian capitals, the cost of living in Dublin is manageable. Naturally, Dublin is Ireland?s most expensive city to live in. Expats in Ireland typically enjoy well-paying jobs that provide them with a high quality of life. LIVING IN DUBLIN IRELAND A warm and friendly city combining international standing and its signature local charm, the Irish capital?s host of entertainment options and lifestyle activities has something for every potential expat. Initially, the lifestyle in Dublin can be frenetic as its decadent nightlife centred on its nearly 1,000 local pubs can be literally all-consuming. Dublin?s high standard gyms and sports facilities, annual festivals and sublime spas balance out the downside effect its thriving restaurant and cafĂŠ scene can have on the average expat waistline.
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Millennials
MILLENNIALS AND THEMINIMALIST TREND Sour ce: Ex pat sWor l d The world of retail sales may soon start to worry, if they haven?t already. Not enough people buying enough stuff. Although this worry has always existed, it is somehow different now. Millennials don?t want to buy stuff and they are trending towards minimalism.
another. The new office place is the local coffee shop. Competition is being slowly replaced by collaboration, and mobility is the new stability. It?s very hard to live a mobile lifestyle with a house full of stuff.
Shar ing Downsizing ? not only f or t he r et ir ed In today?s western society, success is measured in terms of home prices, market values, and GDP. Citizens are generally prompted to buy more. When someone comes to retirement age or once children have left the nest, it seems that many people have had the need to minimize. However, this is not the case for only retirees. The desire to declutter is seen across generations. It is growing among the Silent Generation, the Baby Boomer Generation, Generation X, and the Millennials.
A new connectedness with one another has been made possible through technology. It?s so simple to borrow someone else?s home, bike, car, book, music, unused stuff, or countless other possessions. The need for ownership has never been less necessary.
Env ir onment al concer ns This is the most environmentally conscious of all age groups. Therefore, their buying habits are significantly influenced.
Liv ing pr ef er ences Technol ogy and mobil it y Millennials were born after the technological revolution. For them, the world is a smaller place than it was in previous generations. Regardless of geography they feel intimately connected to one
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Reports suggest that approximately 88% of Millennials desire to live in an urban setting and one-third of the generation is willing to pay more because of it. Over the past decades, retailers have assumed that larger homes, farther from downtown will boost growth in suburbia.
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However, this fosters isolation, individualism, and personal ownership. The younger generation prefer smaller dwellings in walkable communities with shared amenities.
their upbringing to be minimal by nature. Whether or not future economic growth will cause them to slip into the same excess of ownership that previous generations have fallen into, remains to be seen.
Ex per iences vs. Possessions Minimalism is not the end of spending. Money will just be spent on different things than physical possessions and the Millennial generation is proving this to be true. More money is spent on wellness, food, drink, and experiences than possessions.
Debt This generation graduated college and entered the workforce in the middle of a recession. They actually are entering one of the worst working environments in modern history and in most cases are starting off with large student loans.
Cor por at e mist r ust Millennials are a generation distrusting of large corporations and ?the 1%? who run them. Most Millennials (75%) say it?s important that a company gives back to society instead of just making a profit. Because of this belief they are choosing smaller, local retailers for their purchasing needs.
Del ay ing adul t hood There is no down (which adulthood). important to later.
rush to get married and settle is the economists way of defining Marriage and parenthood is Millennials, they just want to do it
Upbr inging? It?s uncertain whether or not Millennials have been shaped by the economic conditions of
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82 | Food
3 COMMON
COOKING HABITS
THAT CAN INCREASE TOXICITY IN YOUR FOOD
SOURCE: EXPATSWORLD Our cooking habits can negatively affect our wellbeing without even knowing it. In this article, a few common cooking methods are revealed that make our food less healthy.
BURNED FOOD Overcooked meals can be toxic. If
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the food is made at very high temperatures, it is already charred. Burned food results in chemicals and byproducts that can be associated with cancer. Cooking meat on the barbecue, grill, or pan-frying it, usually is done on a very high temperature. Experts claim that temperature around
150°C is already not recommended. The burned meat contains two chemicals (heterocyclic amines and polycyclic aromatic hydrocarbons) that are responsible for changes in our DNA that might end up in creating cancer. The first chemical is released when amino acids and creatine react to
Food
high temperatures. Meanwhile the second one is the reaction of fat, dripping onto the fire/heat and creating smoke. The fumes contain polycyclic aromatic hydrocarbons that can affect other food as well.
" THE BURNED M EAT CONTAINS TWO CHEM ICALS THAT ARE RESPONSIBLE FOR CHANGES IN OUR DNA THAT M IGHT END UP IN CREATING CANCER." Practise indirect heat/flame cooking. Don?t eat burned food, cut those edges out. Turn your meats many times. In addition, vegetables are very sensitive to high temperature, so pay more attention and choose lower heat to prevent any loss of their nutrients.
DEEP-FRYING All healthy lifestyle supporters will agree that it is the devil?s invention. This strong description is used not to emphasise the amount of extra calories that this cooking technique adds. On the contrary, it is about revealing a dark and dangerous side of it. Some particular foods, fried at high temperature, release a chemical called acrylamide. This chemical is known for its industrial use, e.g. treating wastewater and making paper. It also can be found in cigarette smoke. So, are you still thinking about fried potatoes?
The researchers are still working on studying the consequences of this chemical and tested rodents disclosed the risks of several types of cancer. Deep frying foods may also cause other health issues like heart disease and diabetes. In case it is too difficult to give it up completely, try to decrease your consumption. Also, choose healthier options such as baked or cooked in an air fryer.
HEATING THE WRONG OILS Oils are the most necessary ingredient in the kitchen and the variety to choose from is quite wide. Oil accompanies almost each meal. Unfortunately, often we are missing the correct knowledge of how to use it properly. Be mindful when cooking with polyunsaturated oils like corn, sunflower, and soybean oils, at high temperature. It rises the risk of getting cancer. It is only because of polyunsaturated fat that these oils are full of. Meanwhile, olive oil, which contains mono-unsaturated fats, is a much safer option. Heat doesn?t make it toxic, because natural antioxidants withstand the heat better comparing with the above mentioned ones. Speaking about frying, canola oil or peanut oil are the best option for this cooking method. These oils are mono-unsaturated and have a high smoke point.
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84 | Food
Credit: Pixabay
" DEEP-FRYING FOODS M AY CAUSE OTHER HEALTH ISSUES LIKE HEART DISEASE AND DIABETES."
It is important to emphasize, that polyunsaturated oils are healthy too, it is just the way we use them that makes the difference. Use them without intense heating such as a salad dressing or stir over steamed vegetables or soup. They are a source of heart-healthy fats.
GENERAL TIPS FOR HEALTHIER CHOICES Use less season in g Seasoning can be a trap. Usually it leads to excess sodium. This can happen when using salt, chicken stock and soya sauce more than necessary. Sometimes, we can even end up with a ?brilliant idea? to mix them all. Too much salt in the body leads to water retention and skin problems. We should give priority to healthy seasoning options like cinnamon, black pepper or turmeric. Also, let?s admit and be honest with ourselves, too many spices in our WWW.EXPATSWORLD.COM
meals causes food addiction, which means we will eat more of it than necessary to feel satisfied. So, here comes the danger to our health and shape. Avoid u sin g bu t t er t o add ext r a f lavou r Even though butter makes the food more tasty, at the same time it costs us our waistline. In addition, butter contains trans and saturated fats that could negatively affect our circulatory system. Over est im at in g h ow m u ch oil you n eed Go easy with the amount of oil used in cooking. A tablespoon of oil has about 100 to 150 calories. So, measure the use of oil when cooking in order to avoid a surplus of calories. Hopefully this knowledge will help you to make healthier cooking decisions.
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86 | Relocation
What You Need t o Int er nat ional Mo SOURCE: EXPATSWORLD
"ANINTERNATIONAL RELOCATIONCANBE EXHAUSTING, EXHILARATINGAND FRUSTRATINGIN EQUALMEASURE."
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international relocation is equal parts exhilaration, frustration and terror. The logistics are formidably complex and almost unbelievably time intensive. International moving is not for the faint hearted!
A
However, the art of making your relocation as painless as possible lies with your planning and preparation. Great relocation service companies can take much of the sting out of your relocation. They can carry much of the load around packing up your home and preparing it for WWW.EXPATSWORLD.COM
Relocation
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o Know Bef or e Your Mov e
Credit: Unsplash/Marc Olivier Jodoin
international shipment. However, you will still find yourself facing a seemingly inexhaustible checklist of tasks to coordinate, government officialdom to deal with and last minute panics to endure. INTERNATIONAL M OVING M ADE EASY Assuming you?ve found a great job with a fabulous overseas company, you still need to ensure the seemingly insurmountable quest for a work permit in your country of choice.
These can be difficult to secure, and if you?re in a two-income household, you have the challenge of planning out how your spouse will find work. That can prove even harder, depending on your destination of choice. Work issues aside, to cope with the rigours of an international move, you will need to put in place support systems. After all, you are moving from your home country to an often strange and unfamiliar place.
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Credit: Unsplash/ Icons8 team
Whether it?s being able to Skype your family weekly or have someone keep an eye on your house you are now renting out. A support network will help keep you relatively sane as you go through your move and transition into your new life.
PACKINGFORTHATINTERNATIONALRELOCATION Packing can be one of the most challenging and stressful aspects of an international move. Knowing just what to pack for an international move can be problematic. Is the electrical voltage in your new country compatible with your home country?s consumer electronics? If so, you have the option of taking your existing television sound and home electrical appliances with you. If not, you need to buy new gear at the other end. Naturally, what you elect to take with you to an overseas country tends to differ from what you take with you if you were just moving suburbs. This is where relocation services come in.
MOVINGABROADCHECKLIST WWW.EXPATSWORLD.COM
This checklist will cover all the topic areas you need to work through to prepare for an international relocation.
DOCUMENTATION This is where an international move begins. Collate all your official documentation. Ensure family passports are valid for at least six months after your intended arrival date. You will need to bring an original copy of your birth certificate, driver ?s license, marriage certificate, and professional certifications. These may need to be translated, certified and notarized prior to your departure. You may also need your medical records, particularly medication prescriptions, together with school records and membership cards.
IMMIGRATION Most international employers organise work permits and visas for your new country. However, it?s sensible to meet with an immigration official to ensure you are clear about the immigration requirements for your soon to be adopted country.
Relocation
If you are relocating on your own without the support of an employer, you may need to retain an immigration lawyer to help you through the country?s visa process. Clarify submission deadlines, likely processing time frames and what tourist visa options are available until your work permit and residency visa are approved. You clarify the rules applying to the importation of household goods and currency.
MONEYMATTERS Before your departure, arrange to be able to access your bank accounts while overseas. The easiest method is by an Internet banking service. It makes it easier for you to have access to your accounts in your home country while living overseas. Some banks have overseas branches or affiliates in other countries, making it easier for you to access and move funds around. After you arrive at your new destination, there is always a transition time until your new banking services are in place. Make sure you have access to sufficient funds to get through this transition period.
PROPERTYMANAGEMENT If your international relocation is just temporary and you plan on retaining your existing property, you may need to put in place an arrangement to manage your property in your absence. If you plan on making your international move permanent and you own property, you may decide to sell some of your property to free up funds to buy in your new location. Make sure you factor in a budget to cover the expenses involved in a property sale or management and allocate sufficient time to complete the process.
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Alternatively, if you elect to have someone act on your behalf while you are away, you may need to arrange for a trusted advisor to hold your power of attorney.
"WHILEINTERNATIONALMOVINGIS NOTFORTHEFAINTHEARTED, ITCANBE THEBEGINNINGOFANEWANDEXCITING CHAPTERINYOURCAREERASWELLAS YOURLIFE." INTERIMHEALTHINSURANCECOVERAGE Relocating to another country usually means acquiring medical coverage in your new city as your local health care coverage rarely extends overseas. However, some credit cards provide a basic level of coverage while you are travelling overseas. This may give you the cover you and your family need while until your work permit and residency visa come through and you can arrange local medical insurance.
SORTOUTYOURTAXSITUATION Consult your accountant about tax laws and the tax implications of a move abroad. You?ll need to understand the tax treatment in both your home country and your new jurisdiction. You may also need to remove yourself from the electoral roll or register to avoid being liable for tax in your home country while you are working overseas. Relocating overseas can be an awesome experience. However, it can also be lonely and dispiriting if you haven?t prepared yourself mentally for the move. You will potentially be separated from family and friends and your familiar surroundings and this can take some getting used to.
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Business Directory AL PHA-L I NGUA Kattesundet 12A, Copenhagen, Hovedstaden, 1458, Denmark T. +45 33 14 66 26 info@alpha-lingua.dk www.alpha-lingua.dk Alpha Lingua is translating and interpreting to and from English, German, French, Spanish, Italian and Polish. We are eight state-authorized translators and interpreters in the same house.
AOC I NSURANCE BROK ER 60 Rue de Strasbourg, Courbevoie, Ile-de-France, 92400, France T. +33 (0) 1 76 21 10 66 / 65 expat@aoc-insurancebroker.com www.aoc-insurancebroker.com Compare your expatriate health insurance based on your needs and your destination. Take your health in your hands and get discounts.
AM STERDAM REM OVAL Izaäk Enschedéweg 50, Haarlem, North Holland, 2031 CS, Netherlands T. +31 (0)23 8200218 info@amsterdamremoval.nl www.amsterdamremoval.nl If you move in, or to Amsterdam we are glad to be your moving company. We know our way to apply for permits, hoist to higher floors with a moving lift and know which trucks to use in different neighborhoods.
TOURS & TI CK ETS Damrak 26, Amsterdam, North Holland, 1012, Netherlands T. +31 20 420 4000 customer.service@toursandtickets.nl www.tours-tickets.com As a tour operator, we specialize in providing excursions in The Netherlands and Belgium, offering various tickets for museums, attractions and all kinds of canal cruises.
DAYARAJA Hessische Str. 12, Berlin, Berlin, 10115, Germany T. +49 0163 98 95 370 post@dayaraja.de www.dayaraja.de People are never too old to take up meditation or yoga. Even if you may feel stiff and heavy now, you will soon notice the beneficial effects of this practice.
K ANGA SERVI CES Virginias Benaki 15-17, Athens, Attica, 104 36, Greece T. +30 210 64 66 400 kanga@otenet.gr www.kangaservices.gr Door to door, around the corner, across the nation or oversees. Our services: express courier, freight forwarding transport services and, biocourier.
HOUSESI T M ATCH Hessische Str. 12, Berlin, Berlin, 10115, Germany T. +34 671 45 04 34 lamia@housesitmatch.com www.housesitmatch.com Leaving the house in the care of a stranger is something that naturally can make you nervous and should not be taken lightly. We offer a range of guidelines and legally approved template contracts and documents for registrants that will help to make this a smooth process.
CENTERDENT Giesshübelstrasse 15, Zurich, 8045, Switzerland T. +41 44-342 44 44 info@centerdent.ch www.centerdent.ch Quality, 365 days a year, online diaries, all disciplines of modern dentistry under one roof, top modern, unique practice setting, and more, awaits you on a visit to the attractive new practice CenterDent.
DAYARAJA 438 Retaheim Way, San Diego, California, 92037, USA T. (888) 750 1070 - toll free arno@healthisinternational.com www.healthisinternational.com International Travel Insurance is more affordable than you think. We can help you navigate the confusing terms and jargon, giving you an education about the products that are available to get you the insurance you need.
ORANGE TAX SERVI CES Arnold Waal, P.O. Box 75524, 1070 AM Amsterdam,The Netherlands T. +31 (0)20 520 7991 info@orangetax.nl www.orangetax.com Dutch tax services for international clients seeking local Dutch assistance. We helped many expats and foreign companies in Holland with their Dutch tax services and other fiscal challenges.
NEVADO REALTY M ARBEL L A Camilo José Cela 18, Marbella, Málaga, 29602, Spain T. +34 952 82 55 17 info@nevadomarbella.com www.nevadomarbella.com Specialists in selling and renting luxury villas, penthouses, apartments and plots in Marbella center and Marbella?s Golden Mile. We have a large portfolio of exquisite properties in Marbella centre beachfront, golf and mountain.
COACH EL SPETH Palma de mallorca, Balearic Islands,07001, Spain T. +44 797 151 3497 www.coachelspeth.com A personal trainer who focuses on strength and conditioning. 1-1 personal training and group training for up to 4 people from Megasport.
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Business Directory | VI VI FI NEART Boulder, Colorado, 80302, USA T. +1 303 875 0661 cindi@vivifineart.com www.vivifineart.com Art is about learning. Learning to be quiet and learning to be loud. Learning to explore and to accept, to sit and observe, feel and touch.
WHI ZWORDZ 151 Chin Swee Rd, #13-04 Manhattan House, Singapore 169876 T. +65 6600 3798 sales@whizwordz.com www.whizwordz.com.sg A translation services agency in Singapore dedicated to providing an outstanding level of service.
ACE OF BRUSSEL S Drève du Prieuré 19, Auderghem, Brussels, 1160, Belgium T. +32 2 420 02 04 info@aceofbrussels.com www.aceofbrussels.com A family-centred, international, English speaking school community in Brussels, Belgium. We develop character as well as academics.
AUPAI RWORL D Wolfsschlucht 9, Kassel, Hessen, 34117, Germany T. +49 561 310 561 17 support@aupairworld.com www.aupairworld.com AuPairWorld is the greatest resource for au-pairs and host families to find each other and live the utter au-pair experience.
OTC GL OBAL GM BH Helmholtzstraße 2-9, Berlin, Berlin, 10587, Germany T. +49 30 639 686 44 anfrage@otc-global.com www.otc-global.com We specialize on niche markets, yet offer a great expertise globally and therefore positions itself as your global removal and transportation specialist.
SARRI À QUI ROPRÀCTI CA Carrer Caponata 3,Spain T. +34 646684402 info@sarriaquiropractica.com www.sarriaquiropractica.es For lower back pain, sciatica, neck pain, headaches and general health issues.
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