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Issue 4 / October 2017

Cr edit : Flick r


What is it like to live in





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4 | Content


Editor's letter | Issue no. 4


Featured city | What is it like to live in Cape Town? Passport facts | 15 fascinating facts about passports Taxes | Spanish tax returns - a handy expat guide Relationships | 10 dating customs around the world Expatriate's nature | How expats can spot each other at 50 paces Language | International body language: A language with no words

14 18 20 24 26 28

Featured city | Top 6 experiences in Manila


Working abroad | Should you ever turn down an expat assignment? Legal | France's law banning underweight models Famous expats | Sofia Coppola

36 38 42 45

Identity | Does where you live make you who you are? InBusiness | Recommended companies


Life abroad | How to deal with "expat fatigue"


Health | Health risks that expats should be aware of

Š ExpatsWorld 2017

Content | 5


Health | Health risks that expats should be aware of


Featured city | Top reasons why Berlin is so attractive to expats


Expat's personality | 5 ways to know you're ready to live & work abroad


Insurance | Pet insurance when traveling


Need to know | Know before you go: Transportation tips & terms


Education | Boarding schools are challenging for third culture kids


Immersing | How to travel deep into a culture


Global citizenship | The 21st century skills of global citizenship


Food | 5 Internet facts about food in the Philippines


Relocation | 5 reasons to relocate your business


Business Directory | Recommended companies

ExpatsWorld International Calle Gregal 10, Santa Ponsa, Balearic Islands, Spain

Email: contact@expatsworld.com Credit: Unsplash/Dan Grinwis

Editor's letter | 7

Welcome to the 4th Issue of ExpatsWorld Magazine

We are truly excited to see our reach of this unique online magazine, for people who moved abroad, grow to over 4,2 million people around the world. The launch of our new webpage www.expatsworld.com has been amazing, you can now reach our free services much easier and our new solutions for our expat members and companies that are interested in the expat community. The brand new ExpatsAdvisor is now filling up with expat related companies. You can search, find, contact, comment and rate the companies just like in the slightly more well known TripAdvisor. This will be an important part in us helping to connect expats and reputable companies around the globe. We have now started our monthly events in a few cities with a really good turnout. We will start holding the ExpatsWorld Meetups in more and more cities every month. Keep an eye out for the invitation on Facebook and by email and join our events to meet great expats in great venues every month. We are growing with approximately 1000 new expats connecting to us every 24 hours and we expect to have a reach of over 5 million shortly. Enjoy this issue of the magazine and see you soon at one of our events!

Best regards, Peter Redrin - Founder & CEO Clients & Clubs International SL


78 | Featured city


Featured city | 9



There are two answers to this question: -


The majority of the population live in poverty or near-poverty, in squalid conditions and with little hope of being employed or improving their quality of life. If you are middle class or higher, the city is a fantastic place to live. It will be expanded below.

Cape town is characterised by its proximity to nature. It is situated up against the table mountain national park, which is easily and cheaply accessible. It costs nothing to hike up to the top of the mountain, or up devil's peak, or lion's head, or to drive to signal hill. Constantia has its own hiking trails, as do Muizenberg, Fish Hoek, Noordhoek - pretty much everywhere alongside the mountain. Even the areas geographically separated from table mountain are close to other mountains - Stellenbosch, Paarl, Somerset west have the same proximity to the great outdoors. It is vastly different to going to a park. It is like being in deep nature. Hiking and picnicking are a part of

the culture of the city. There are beaches everywhere, facing every direction. There are several blue flag beaches, stretches of deserted beaches with no civilisation in sight (although only a five minute drive from civilisation), surfing beaches, kiteboarding beaches, fishing beaches; there are excellent dive sites, fantastic sailing coastlines, and family-friendly beaches. Ocean life is a culture of this city. Cape town is surrounded by ocean, mountains, and wine farms. There is a strong culture of going out on a weekend for some wine tasting and a good meal. Scenic drives out into the farmlands are common, and this extends to wildflower WWW.EXPATSWORLD.COM

Credit: Unsplash/John o Nolan

10 | Featured city

Credit: Unsplash/Tim Johnson


drives in springtime. There are many, many, many restaurants, catering to all budgets and preferences. There is a wide variety of night life. Upmarket house clubs, jazz bars, trance parties, metal clubs, live music, live bands, street festivals, comedy clubs, theatre and concerts. A major international act (e.g. Foo Fighters, Michael BublĂŠ, Faithless, U2) will perform a concert here five to ten times a year. Anyone with education is likely to be able to afford a comfortable life in a three-bedroom home or equivalent. There is a tendency to live in large, suburban homes, although higher density semi-detached-style suburbs are becoming more prevalent. The


CBD has upmarket apartments, and there are many townhouses and apartment blocks in and around the CBD, and on the eastern side of the mountain. An educated two-income household will typically have two cars, a three bedroom home in a moderate area, creature comforts (tumble dryer, dishwasher, washing machine, microwave, tv, computer, several cell phones etc). There are many places to shop, with several large malls. Generally, anything available worldwide is available here (bar one or two extremely niche items). The roads (as elsewhere in South Africa) are policed rather laxly. Speeding is common and there is a general tendency to be somewhat lax in adherence to traffic

Featured city | 11

regulations. For that reason, it is a joy to be a motoring enthusiast here - twisty mountain passes, curving coastal roads, endless farmland with new horizons around every corner. Driving in the urban areas requires vigilance and concentration, as driver behaviour tends to be somewhat erratic. Capetonians are known for not using their indicators (called "flickers" here). There are excellent schools that provide education to match the highest standards in the world, and two top universities (and another two reasonable universities). There is a love for sport, particularly rugby and cricket in the middle and higher income brackets, although soccer is extremely popular with most of the population. Tickets to games are generally cheap, and it is common to go watch live matches, both local games and international games. Beaches and parks will frequently have impromptu games of cricket or tough rugby or soccer.

exceptions, most suburbs are characterised by houses behind walls, with empty play parks and neighbours who don't know each other. Poorer areas have children playing in the streets and neighbours visiting each other all the time, with a strong sense of community.


Crime is a concern (by south African standards) only in dangerous areas. Affluent suburbs are relatively crime-free, although cars are kept locked with no valuables visible through the windows, and front doors tend to be kept shut and locked too. The city centre is well policed and safe to walk through. Cape town is perceived to have a lower crime rate for affluent people than other major metropoles in south Africa. Having said that, in poorer communities, crime is horrendous and out of control, with 35 murders taking place a day on average (as an example). Credit: Unsplash/Tim Johnson

Cape town has a demographic split of roughly 50% coloured (mixed race), 40% black African and 10% white. It is perceived by many black south Africans as being behind the rest of the country in terms of black people being accepted by white and coloured people. It is governed by the (national) official opposition, who are perceived to be less corrupt by the affluent members of the country, and as racist by the majority (this is a huge oversimplification, but it illustrates the situation passably). Affluent suburban areas tend to be somewhat sterile. With notable


10 | Featured city

Credit: Unsplash/Dan Grinwis


14 | Passport facts




Passports are a hot topic at the moment politically, and they?ve got a fascinating history as explored in the recent Radio 4 documentary Passports Please. To some they are treasured and hard-won documents that open doors to travel and explore the world; to others they are a barrier to movement for citizens of the world, but who doesn't get a little bit excited when they get another stamp from some exotic destination? Here are some amazing facts about passports that will make you appreciate them in a whole new way. WWW.EXPATSWORLD.COM

Passport facts | 15

Credit: Unsplash/Nicole Harrington

TING FACTS ASSPORTS Th e Qu een does n ot h ave a passpor t The Queen does not have to worry about taking a passport. As she is the one granting permission to the rest of us, she doesn?t actually need one herself. However, the Queen?s Messengers deliver secret documents around the world. These documents get a passport of their own and there are allegedly only 15 of these passports in existence. Get a n ew passpor t bef or e six m on t h s of expir y

Don't take a gamble on the expiry date of your passport before you make a trip. Some countries ask that your passport should be valid for 90 days AFTER entry, including most European countries, but to play it safe you should go for six months, the length of time required by China, Indonesia, Russia, Saudi Arabia and other countries. This is to avoid you being stuck in that country without means to get home. You n eed a passpor t f or Qu een slan d Queensland can only be entered by the residents of nine coastal villages in Papua New Guinea without passports, as part of a treaty when Papua New Guinea gained independence. Th e Vat ican h as n o im m igr at ion con t r ol The Vatican doesn?t have any immigration controls but the Pope carries Vatican Passport No. 1. WWW.EXPATSWORLD.COM

16 | Passport facts

M an y Am er ican s do n ot h ave a passpor t at all According to the Department of State, there are around 121,512,341 passports for around 321,362,789 American citizens. Lost w eigh t ? Get a n ew passpor t In the US, you need to update your passport photo if you gain or lose a lot of weight, have facial surgery or trauma or if you have added or removed large facial tattoos or piercings. Fin n ish an d Sloven ian passpor t s act lik e f lick er -book s If you flip a Finnish or Slovenian passport forwards, images along the bottom of the page create a moving picture. Fam ily passpor t ph ot os w er e accept able In the early days of passport photographs, you could send in any photograph you liked and even family groups were accepted. Th e Nicar agu an passpor t is t h e least f or geable The Nicaraguan passport has 89 separate security features including holograms and watermarks and is reported to be the least forgeable document in the world. Ton ga sold passpor t s Tonga used to sell passports for $20k a throw. Th e f ir st passpor t w as in t h e Bible In the book of Nehemiah, King Artaxerxes I of Persia gave a letter to an official granting him safe passage on his travels through Judea. Passpor t s on ly n eeded ph ot ogr aph s af t er t h e Fir st Wor ld War Photographs were only a requirement after the start of the First World War after a Germany spy en-tered Britain on a fake US passport.


Th e Nor t h er n Ligh t s appear on Scan din avian passpor t s If you shine Scandinavian passports under UV light, the Northern Lights appear as irridescent trails on the paper. Th er e ar e on ly f ou r passpor t colou r s in t h e w or ld an d each on e m ean s som et h in g dif f er en t In general, passports are only red, green, blue, or black. Passports do, however, come in a rainbow of different hues and shades. They tend to be quite unadventurous in colour. Th er e m ay be geogr aph ical an d polit ical m ot ives f or u sin g cer t ain colou r s: - Red is the most common passport colour with all members of the European Union, apart from Croatia, sporting a burgundy hue. - Blue reportedly symbolises "the new world" with 15 of the Caribbean countries opting for it. Further south down the South American continent, Brazil, Argentina and Paraguay also use a blue passport ? the cover symbolising the connection with the Mercosur trade union. (Travel and Leisure) - For some countries, it's about faith - most Islamic states use green passports because of the importance of the colour in their religion, also a symbol of nature and life. (H.Boghossian ) -The reason for the least common passport colour may be rooted in practicality - as may all of them in fact. The Republic of Botswana, Zambia, Thailand and New Zealand issue band passports, though it should be noted black is New Zealand's national colour. (Travel and Leisure) Most of the world's passports have a red cover! There are different shades of red, but still red colour is more common for passports than is blue, green or black. Interestingly, the UK passport is nicknamed the 'red book', while the US passport is often referred to as the 'blue book'.

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18 | Taxes


Confused about Spanish tax returns? Don't stress: there's help at hand. Here is some helpful answers about how to get the lowdown on and who needs to file ? Who actually needs to fill out a tax retur n in Spain?

example ? you should file a tax return if you earn more than ?11,200.

The general rule is that anyone who is physically present in Spain for more than 182 days in a year (the Spanish tax year is the same as the calendar year) is considered to be tax resident in Spain, and therefore needs to submit an annual Spanish residents' tax return (Declaracion de la Renta).

There is also an exemption from filing where the taxpayer only has a small amount of investment income, of less than ?1,600, and this must have already been taxed at source.

In more complex situations where taxpayers split their time between several countries, or has property and/or business interests in other countries, there are international Tax Treaties which spell out where the taxpayer should be considered resident and where they should declare their income for tax purposes. But you don't need to submit a Spanish tax return if you have employment income of less than ?22,000 from one source. This exemption is meant to apply to income that has already been taxed. So if someone has an untaxed foreign employment (e.g. occupational pension) income of less than ?22,000, we would still advise that they file a Spanish tax return. Be aware though, that if you have two streams of income ? if you are a teacher and work at two schools, for WWW.EXPATSWORLD.COM

What is the deadline for Spanish tax retur ns? The general filing deadline is June 30th, however if there is tax payable and you wish to pay by direct debit (domiciliaciรณn) from your bank account, then your return must be filed by June 25th. What happens if you are late ? are there any penalties? If a return is filed late and there is no tax payable, you maybe fined with a late filing penalty which is, in general, ?100. If a return is filed late and you owe tax, there is a charge payable. This is a percentage of the tax and varies according to the length of the delay. For returns submitted less than three months late the recharge is 5 percent, and for returns presented more than a year late the recharge is 20 percent and you also have to pay interest. I s it best to lodge your tax retur n online?

Yes. The manual forms are available from branches of the Tax Office (Agencia Tributaria) and licensed-tobacconists (estancos). But we haven't presented any manual returns for several years now as filing online is much easier!

"YOU DON'T NEED TO SUBMIT A SPANISH TAX RETURN IF YOU HAVE EMPLOYMENT INCOME OF LESS THAN ?22,000 FROM ONE SOURCE." What is the key advice you would give to someone filling out a tax retur n in Spain for the fir st time? If you wish to complete and submit the return yourself, learn Spanish to a decent level of competence first. Or alternatively find a locally-based accountant, either Spanish or an expat, with whom you can communicate with in your language to prepare and submit your returns. Make sure you also check their credentials to make sure that they are a member of an accountants' association in Spain, and have a special Electronic Certificate for accountants issued by the Tax Office, which will allow them to submit your returns online.

20 | Relationships




What is considered an appropriate and polite behavior in dating is usually followed by general rules. But beware: Whoever is dating in other countries can culturally quickly turn into greasy naps and make themselves unhappily unpopular. Here we have compiled the most important characteristics of dating in different countries. BRAZIL If you have a date with a Brazilian, you should be prepared to get many compliments. Non-Brazilians, so-called ?gringos?, should, however, refrain from too much flattering in Brazilian women, since otherwise they would quickly get the character to be only in search of a quick flirt. In a relationship, it is common in Brazil to show public mutual affection. The family plays a very important role in Brazil. While in many other cultures, getting to know the family of the partner means that the relationship becomes something solid, it is quite normal in Brazil to get to know the family shortly after the first meeting. USA America has quite clear dating rules and principles. The most important thing is certainly not to engage in sex while in a drunken state since


this can quickly have criminal consequences. It is common for someone to be dating and meet others in aswell. As long as a couple has not agreed to ?exclusively? date, it is not an official relationship. Basically, the first date never takes place in a bar. The man usually pays the evening. Many Americans also wait for sex until marriage. If this is not the case, the rule is that the third date is slept together, otherwise it is a sign of lack of interest for many Americans. NETHERLANDS In the Netherlands, equality is self-evident and is also reflected in dating. It is quite normal for women to speak to a man who they like. Conversely, foreign women in the Netherlands do not necessarily wait for the man to take the first step. The Dresscode at the Date in a country of the pronounced bicycle culture is rather casual. The invoice is usually shared on a date. FRANCE In France, a kiss means basically: from now on you are a couple. How much later, afterwards, the first sex follows, is determined by feeling and follows no fixed rules. If a man is interested in a French woman, he invites her to a date. It is quite possible

Relationships | 21

Credit: Unsplash/Huy Phan

that she refuses. However, men should not be deterred, but should show their serious interest and ask again. French are in principle very direct. If you want to end a relationship or the date, use clear and open words. Simply not calling, is not enough in France. There are no rules on how long you should wait for a date with a call. Japan Japanese culture has many rules of etiquette and courtesy. The same applies to dating. Many Japanese people attach great importance to punctuality. A relationship in Japan develops very slowly. First you meet in groups with friends. If you are really interested in each other, the actual dating phase begins. This is heraleded by the expression ?I love you?, since there is no expression for ?I like you? in Japan. Couples do not show their affection to one another in any case in public. Kor ea In Korea as well, it is important to avoid affection

in public. Holding hands is however tolerated. If you are traveling with friends, you can share the bill, while on date, on the other hand, one always pays on the account of both, but it is now also common for women and men to take over the whole bill. In a relationship, the months or years for anniversaries are not counted in Korea, but units at intervals of 100 days. Au st r alia Australians basically know no rules when it comes to dating. Usually a date comes from a friendship. It is not unusual for a relationship to arise when there are other dates, where there are no rules on how often or when you should sleep together. Both men and women make the first step in Australia to speak to anyone. The person who was invited to a date usually pays the bill. However, it is common to share the bill at the date. M exico Traditional gender roles still play a role in Mexico. Men often have a macho attitude, while women


22 | Relationships

are usually expected to show their femininity. Women are scuttled or called for recognition. Of course, such traditional attitudes and behavior are changing in the younger generation. Nevertheless, in Mexico the man in principle asks the woman on a date and then pays. Sw eden Interesting in Sweden is that dates are not described as such. People meet with friends and potential dates usually a couple of times to ?fika?, a coffee or tea in the afternoon, to which also a bit of pastries or sandwiches are eaten. After a few such meetings, other activities such as cinema,

cooking together or a restaurant visit is planned. But even in Sweden one does not talk about having a date. Ru ssia Russian traditions of dating include very clear distributions of the role of man and woman. Usually, the men brings small gifts to the date and takes flowers. Women are locked in doors, heavy bags are taken off and there is no question that the man pays the bill. A Russian woman would feel insulted at a date if she was asked to participate in the bill. The dresscode at a date is definitely very chic and women usually wear high heels.


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24 | Expatriate's nature

it Cr ed

: Pex

el s


One of the great joys of expat life is the friends you make, the melting pot of people from different cultures and backgrounds brought together temporarily, and one of the hardest parts is saying farewell to them. WWW.EXPATSWORLD.COM

Expatriate's nature | 25

on home ground can spot one another at 50 paces - there is an instinctive understanding. Perhaps the attraction runs deep. Scientists believe they have discovered the 'wanderlust gene', DRD4-7R, a variant of dopamine receptor present in only 20 per cent of the population. Carriers have a strong inclination towards new experiences, places, ideas - they are curious, restless.


Friendships made overseas are vital and intense - you skip several months of 'getting to know you'. It makes goodbyes hard, and it was only while figuring out how to stay in touch that it registered with my son that his friends were returning to Ghana, America and New Zealand. The truth is it is not only the children who are changed by their time overseas. The only constant in life is change, and expat adults are not the same people they were when they arrived in their latest posting. For people who belong everywhere and nowhere, 'third culture' attributes of flexibility and openness, of thriving when life is lived at a certain pace are vital to succeeding as an expat, but what happens when you settle down? I've noticed that expats

Perhaps once you have been an expat, a part of you will always be on the outside looking in when you return home. As a child my ambition was to visit every capital city in the world, and I was fascinated by expats - the neighbours who met in Paris when she was a costume designer for Fellini, the retired businessmen and army families in the village whose thatched cottages were decorated with textiles they picked up in India and lacquered chests from China. Perhaps the attraction runs deep. Scientists believe they have discovered the 'wanderlust gene', DRD4-7R, a variant of dopaminereceptor present in only 20 per cent of the population. Carriers have a strong inclination towards new experiences, places, ideas - they are curious, restless. Perhaps that sounds familiar? It was first located in migratory tribes who thrived as nomads, but faded when kept in one spot.

Will your wanderlust genes get the same dopamine hit trading the defensive driving of the daily school run for leafy lanes where the most unexpected thing you will come across is a pheasant? Perhaps once you have been an expat, a part of you will always be on the outside looking in when you return home. As a child my ambition was to visit every capital city in the world, and I was fascinated by expats - the neighbours who met in Paris when she was a costume designer for Fellini, the retired businessmen and army families in the village whose thatched cottages were decorated with textiles they picked up in India and lacquered chests from China. Latterly, I've found the people who stay put in the places they grow up intriguing. I remember reading that the oldest woman in UK at that time attributed her longevity to living in the area she was born, (and never marrying - but that's another story).

"I'VE NOTICED THAT EXPATS ON HOME GROUND CAN SPOT ONE ANOTHER AT 50 PACES THERE IS AN INSTINCTIVE UNDERSTANDING. " Who knows if a sense of geographical schizophrenia, of leaving pieces of your heart around the world with the friends and places you have loved means that expats may not live as long, but who would trade this grand adventure - wouldn't staying put have been rather dull? Can you imagine looking at a departures board and simply thinking 'home' rather than 'where next'?


26 | Language


BY ANNE MERRITT SOURCE: THE TELEGRAPH Something as simple as a smile can display friendliness in one culture, embarrassment in another, impatience in a third. Even silence means different things in different places.

GESTURES When trying to communicate through a language barrier, it?s natural to use gestures as a way of illustrating your point. We assume it?s helpful, since our words are being visually reinforced. Hand motions are, however, culturally relative, and the wrong gesture can inadvertently lead to confusion or offence. The thumbs-up sign is equivalent to the middle finger in Greece and Sardinia. Tapping your finger to your temple is a gesture to show memory in North America, but suggests insanity in Russia. Even nodding yes or shaking one?s head no can be misunderstood abroad. The yes-no gestures are reversed in countries like Bulgaria and Albania. In Turkey, ?no? is gestured by nodding the head up and back.

Credit: Pexels

Language learners will put a lot of time (and money) into mastering the vocabulary and structure of a foreign language without ever considering these non-linguistic parts of communication. To help you master these significant parts of communication ? or simply avoid making an embarrassing faux pas ? here are four non-verbal traits that vary from culture to culture...


It?s not just the individual gestures that can cause miscommunication, but the rate of gesturing. Some societies, like Italy and Spain, are known for talking with their hands. Others are more reserved with body movement as a form of politeness. In parts of East Asia, gesturing is considered boorish behaviour, and would be rude in a professional setting. SI L ENCE Though it can feel like a void in communication, silence can be very meaningful in different cultural contexts. Western cultures, especially North America and the UK, tend to view silence as problematic. In our interactions at work, school, or with friends, silence is uncomfortable. It is often perceived as a sign of inattentiveness or disinterest.

Language | 27

In other cultures, however, silence is not viewed as a negative circumstance. In China, silence can be used to show agreement and receptiveness. In many aboriginal cultures, a question will be answered only after a period of contemplative silence. In Japan, silence from women can be considered an expression of femininity. Though the North American/European instinct may be to fill the silence, this can be cross-culturally perceived as pushy and arrogant. TOUCH Britain, along with much of Northern Europe and the Far East, is classed as a ?non-contact? culture, in which there?s very little physical contact in people?s daily interactions. Even accidentally brushing someone?s arm is grounds for an apology. By comparison, in the high-contact cultures of the Middle East, Latin America, and southern Europe, physical touch is a big part of socialising. What?s more, there are different standards for who touches whom and where. In much of the Arab world, men hold hands and kiss each other in greeting, but would never do the same with a woman. In Thailand and Laos, it is taboo to touch anyone?s head, even children. In South Korea,

elders can touch younger people with force when trying to get through a crowd, but younger people can?t do the same. Naturally, these different standards of contact can lead to misunderstanding. An Argentinian may see a Scandinavian as cold and aloof, while the Scandinavian may see the Argentinian as pushy and presumptuous. EYE CONTACT In most western countries, frequent eye contact is a sign of confidence and attentiveness. We tend to assume that a conversation partner who looks away is either disengaged or lying. Of course, this is not the standard around the world. In many Middle Eastern countries, same-gender eye contact tends to be more sustained and intense than the western standard. In many Asian, African, and Latin American countries, however, this unbroken eye contact would be considered aggressive and confrontational. These cultures tend to be quite conscious of hierarchy, and avoiding eye contact is a sign of respect for bosses and elders. In these parts of the world, children won?t look at an adult who is speaking to them, and nor will employees to their bosses.

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28 | Featured city





BY PAUL EWART SOURCE: QANTAS Scratch beneath the surface of the chaotic and congested Filipino capital to discover a lively city with plenty to see, do and eat. A SUITE LIFE A sanctuary from the chaos that is Manila, the sprawling Makati Shangri-La is undoubtedly one of the best places to stay in the city. Located in the heart of the up-market Makati district ? the business and entertainment hub ? the hotel WWW.EXPATSWORLD.COM

Credit: Unsplash/Carlos Bash

is perfectly positioned for tourists and business travellers alike. One of the original five-star properties in Manila, its offering is comprehensive, with shops, beauty salons and no fewer than four restaurants and three bars. Don?t miss the mother of all breakfast buffets at Circles Event CafĂŠ, which has sections dedicated to Chinese, Western, Japanese, Indian and Filipino cuisines. There?s even a DIY station for making bloody Mary cocktails. EASY RIDER Forget buses and trains ? in Manila the ?jeepney? is king. As the backbone of the public transport system in the Philippines, these ubiquitous

Featured city | 19

vehicles are a hangover from the jeeps left by American GIs after World War II and no visit to the city is complete without a ride in one. They stop and start according to the whim of their passengers; to hail one, simply make eye contact with the driver and then nod or stretch out your arm. The standard fare is a bargain at eight pesos (about 20 cents). Pass your fare to the driver or their assistant at the front of the jeepney and say ?bayad po? (my payment), and ?para? (stop) when you want to alight. EAT LOCAL Hitting the streets and eating like a local is a must in any Asian city and Manila is no exception. While Filipino food hasn?t achieved the fame of its

Southeast Asian neighbours, it?s both tasty and unique. On the challenging end of the scale is the infamous balut (a fertilised duck egg with a nearly developed embryo inside) and isaw (pork or chicken intestines). There?s plenty of palate-friendly fare, too, including the highly popular lechรณn, or slow-roasted suckling pig. For dessert, indulge in halo-halo, a mixture of shaved ice, evaporated milk, sweet beans, bananas and ice-cream made from purple yam. RETAIL THERAPY If there?s one leisure activity that gets Filipinos going it?s shopping and, in Manila, an array of retail options cater to this national pastime. You can?t go to Metro Manila without visiting one of its malls, 16 of which are in the supermall category, and then there?s the slew of community and lifestyle malls. But at the top WWW.EXPATSWORLD.COM

30 | Featured city

Credit: Unsplash/Carlos Bash

of the mall tier is SM Megamall ? the largest in the Philippines and third-largest in the world, with some 1200 stores spread over more than 500,000 square metres making it retail heaven. HISTORIC HEARTLAND Manila?s busy, traffic-clogged streets can be a little hard to navigate so opting for a guide will make your experience not only more comfortable but also much more informative. ToursByLocals connects travellers with local guides for bespoke tours and if there?s one walking tour that needs to be on your must-do list, it?s Intramuros. The Walled City was the seat of the Spanish colonial government during the 16th century and this stone citadel has withstood wars, natural disasters and successive waves of colonial invaders. Within its walls are Fort Santiago ? which was used as a prisoner-of-war camp by the Japanese during WWII ? and San Agustin, the oldest stone church in Manila. WWW.EXPATSWORLD.COM

WORLD-CLASS MUSEUMS Manila has a number of must-visit museums covering a range of themes. For wonderful pre-Hispanic artefacts, head to the National Museum of the Filipino People, located within an imposing neoclassical building and showing exquisite pieces from across the Philippines. Nearby in Intramuros is the Rizal Shrine museum, which highlights the extraordinary life of national hero Dr JosĂŠ Rizal ? from his last days before being executed for standing up against the Spanish, to documenting his genius as a modern-day Renaissance man. A more offbeat attraction is Imelda Marcos?infamous shoe collection at the Marikina Shoe Museum, where some 800 pairs of her shoes are displayed. Or check out the ultra-modern Ayala Museum, with four floors showcasing a superb collection of gleaming pre-Hispanic gold artefacts, quality art shows, and impressive dioramas detailing the country?s history.

Credit: Unsplash/Eldon Vince Isidro

32 | Working abroad


Expatriate assignments are notoriously difficult. They require major professional and cultural adjustments, both coming and going, and those transitions are as tough on families as they are on employees. When people go home after working abroad, they often experience decreased job satisfaction, sometimes even depression. As a result, repatriate turnover is alarmingly high ? up to 38% in the year following return. WWW.EXPATSWORLD.COM

Working abroad | 33

business; it?s how rising leaders advance into the senior ranks. Those who decline may be perceived to lack ambition and drive, and they may pay a price for that. While we are just beginning to collect hard data on career outcomes, research shows that employees often feel pressured into saying yes. They worry that refusing to be sent overseas will prevent them from getting ahead, or at least slow their careers considerably. Even if you feel able to decline an expatriate assignment at the moment, doing so can derail your career down the line.


Credit: Pexels

Given all the challenges, it?s not surprising that expats are more likely to succeed ? that is, to adjust to living and working overseas and to be engaged at work ? if they are given the flexibility to accept or decline the assignment in the first place. But what happens when people actually say no? Turning down an international posting can have negative consequences, especially early in one?s career, when family considerations are assumed to be less of an issue. Many companies expect their aspiring leaders to work abroad. It?s how their executives develop the skills to lead across cultures and learn the inner workings of a global

In a recent theoretical article, we examined the reasons employees turn down expatriate assignments. We suggested that the career consequences depend on the employee?s psychological contract with the organization, the implied, unwritten agreement about what is expected of each party. During recruitment and hiring, job seekers may never be told explicitly that working abroad is required for advancement. Nonetheless, in companies with operations that span the globe, it?s often assumed that the corporate ladder includes one or more rungs in international locations. It?s part of the psychological contract. And when employers feel that someone has breached that contract, they may respond by decreasing the personal support and mentoring given to the employee and by providing fewer career development opportunities. The personal exchange

relationship between the supervisor and the employee is likely to suffer as well. However, we argue that the way an organization responds to expatriate refusal often hinges on why the contract has been broken. It depends on whether employees are unwilling to go, are unclear about the terms of the psychological contract, or are unable to relocate because of personal circumstances. Here?s how the implications differ. UNWI L L I NGNESS As you might expect, an organization?s response is likely to be the most negative when employees simply refuse to work abroad. For example, if a young, single manager working in Dallas turns down an assignment at a branch in London solely because he does not want to live outside the U.S. ? if no other factors are getting in the way, and the manager seems to understand that expat stints are generally expected of aspiring leaders in the company ? his decision to say no will probably be viewed as a lack of commitment and a breach of the psychological contract. There are exceptions to this rule, of course. Employees who have demonstrated their dedication and ?paid their dues? in other ways may be able to say no without penalty. In general, though, it?s best to avoid saying that you just don?t want to relocate. M I SCOM M UNI CATI ON In an earlier study we found that supervisors and subordinates frequently fail to see eye to eye regarding the terms of the psychological contract or the reasons a breach occurred. For instance, during recruitment and hiring, applicants who are told about international assignments may see them as an opportunity rather than a requirement. However, when the firm has extensive global operations, and WWW.EXPATSWORLD.COM

34 | Working abroad

most members of the executive team have worked as expatriates themselves, hiring managers may assume that the necessity of international experience for career advancement is clear ? even if that requirement is never explicitly discussed. Likewise, employers may not be understanding when an employee who is uniquely qualified for an expatriate position turns it down. Though hiring managers ideally should spell out their expectations regarding international assignments while they are interviewing candidates, the fact that they often don?t puts the onus of clarification on the applicant: If you are potentially unwilling or unable to move abroad, it is best to make this

clear before taking a job at a global company. I NABI L I TY Sometimes, employees?personal circumstances make it difficult to take on an international assignment. In those situations, employers are less likely to punish people for breaching the psychological contract. While that idea has not been explicitly examined by researchers, it is consistent with what has been found in the reverse: Employees respond less negatively to situations in which they believe that conditions beyond the organization?s control led to the psychological contract being breached. Family concerns are the top reason for expat assignment refusal, followed by

concerns about the trailing partner?s career.

"EMPLOYERS MAY NOT BE UNDERSTANDING WHEN AN EMPLOYEE WHO IS UNIQUELY QUALIFIED FOR AN EXPATRIATE POSITION TURNS IT DOWN." So, you stand the best chance of not being penalized for saying no if you realistically can?t relocate. But be open with your employer about what your constraints are, and look for other opportunities to demonstrate your commitment to the organization in your home office.


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36 | Legal


France has taken steps to protect the health of models by introducing a law banning those who are excessively thin. And in a bid to eradicate unrealistic beauty standards, images that have been given the Photoshop treatment must be marked to show the public they are fake. The country?s health ministry said the laws have been brought in to tackle eating disorders as well as inaccessible levels of beauty. Politicians backed the law changes in 2015, and they have now come into effect. According to French media, minister of social affairs and health Marisol Touraine said: ?Exposing young people to normative and unrealistic images of bodies leads to a sense of self-depreciation and poor self-esteem that can impact health-related behaviour. ?These two texts aim to act on body image in society to avoid the promotion of inaccessible beauty ideals and to prevent anorexia in young people. ?The objective is also to protect the health of a sector of the population particularly at risk ? models.? Models applying for jobs will have to provide a note from a doctor to prove they are not dangerously thin. This will be measured in part by their BMI (body mass index), which determines if someone is over or underweight based on their height and weight.

Credit: Unsplash/Flaunter Com


In addition, from October 1, photos of models that have been altered must be marked ?photographie retouchĂŠe?? retouched photograph in English.

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38 | Famous expats

SOFIA COPPOLA THE 2ND FEMALE FILMMAKER AWARDED THE PALME D'OR - CANNES' TOP PRIZE Sofia Coppola was born into Hollywood royalty, the daughter of one of the most applauded film directors of the twentieth century, Francis Ford Coppola . From the beginning, it seemed she was destined, like her father, for a career in the movies. Throughout her life, she continued to live and work under her father's wing, but his wing often cast a long shadow. In 2004 Coppola finally stepped out of that shadow to claim her own celebrity. She became the first American woman to be nominated for an Academy Award for Best Director, for her movie Lost in Translation. (Notable Biographies)

Credit: Mercedes AMG

Sofia Coppola was born in New York City, the youngest child and only daughter of set decorator/artist Eleanor Coppola and director Francis Ford Coppola. She was raised on her parents' farm in Rutherford, California, a rural area in Napa Valley. She attended Mills College and the California Institute of the Arts. At fifteen, she interned with Chanel. After dropping out of college, Coppola started a clothing line called Milkfed, which is now sold exclusively in Japan. (Wikipedia) Coppola's acting career, marked by frequent criticisms of nepotism and negative reviews, began while she was an infant, as she made background appearances in seven of her father's films, including Rumblefish and The Outsiders, both released in 1983. She also appeared in The Cotton Club (1984) and Peggy Sue Got Married (1986). Her biggest role, however, came in 1990 when her father tapped her to play Mary Corleone in The Godfather, Part III. (Notable Biographies) After she was critically panned for her performance in The Godfather Part III, Coppola ended her acting career, although she appeared in the 1992 independent film Inside Monkey Zetterland, as well as in the backgrounds of films by her friends and family. Coppola's first short film was Lick the Star (1998). It played many times on the Independent Film Channel. She made her feature film directing debut with The Virgin Suicides (1999).

Credit: Parade/Focus Features


Her second feature was Lost in Translation (2003). Coppola won the Academy Award for her original screenplay and three Golden Globe Awards including Best Picture Musical or Comedy. Her win for best original screenplay in 2003 made her a third-generation Oscar winner. In 2004, Coppola was invited to join the Academy of Motion Picture Arts and Sciences. (Wikipedia)

Famous expats | 39

Ear ly life & career Even at home, however, family life was far from ordinary. The Coppolas had summer creativity camps, where the children were encouraged to write stories and plays, to design and experiment. Sofia's parents inspired her, but Eleanor Coppola has also noted that her daughter was a very imaginative child from the beginning. According to a now-famous story, Francis Ford Coppola claims that he knew his daughter was destined to be a director when she was about three years old. As Coppola has told it, he and wife were driving in their car, bickering back and forth and not paying attention to Sofia, who was sitting in the backseat. Tired of her parents arguing, Sofia called out, "Cut!" "I felt a little bit this time, a little bit, like people were able to see my movie without seeing my family."(Notable Biographies) ?My dad was always fighting to make movies,? she says. ?I never saw it as being easy for a filmmaker. So I never thought, Oh, it?s harder for me. I always saw it as being a fight to make the movie that you want to make.? (Time)

time working on her clothing line and shooting ads for fashion magazines. The outcome was Lost in Translation (2003), which Coppola not only wrote, but produced and directed. (Notable Biographies) Coppola was honored for directing her film "The Beguiled" - she picked up the best director prize at the French film festival (2017), becoming only the second female director to do so in the event's 70-year history. The other side of celebr ity Coppola says that she wanted to make a film about celebrity and its alienated, alienating effects, because she had been away from the US, where the celeb cult is at its strongest. "I don't feel it, because I'm not in public so much," she says, "so it's not something that I experience personally. There are all these problems in the press with all these actors having this party lifestyle." (The Guardian)

While still in high school Coppola was already dabbling in fashion and design. She modeled for American designer Marc Jacobs and interned at Chanel, a famous fashion house in Paris, France. As an intern, she mostly answered phones, made photocopies, and ran errands, but the experience, says Coppola, was remarkable. Coppola tried her hand at painting, photography, fashion design, acting, and even hosting a show on television. In 1998, however, everything finally seemed to come together. That was the year that Coppola wrote, directed, and produced her first film, a short comedy called Lick the Star. Many of Coppola's skills helped her to make The Virgin Suicides a success, especially her photographer's eye and her flair for design. Since the story is told from the perspective of several different boys, she used a lot of quick camera shots as if the boys were taking snapshots. And, because the story is set in the 1970s, she wanted to get the right feel in the look of the film and in the clothes the actors wore. Coppola was viewed as a young, new director who had a lot of potential, and critics looked forward to her next film.

"I FELT A LITTLE BIT THIS TIME LIKE PEOPLE WERE ABLE TO SEE MY MOVIE WITHOUT SEEING MY FAMILY." The success of The Virgin Suicides led Coppola to try her hand at writing an original screenplay. She had been thinking about a story for several years, one that would take place in Tokyo, Japan, where she had spent a lot of

Credit: Pinterest S.Coppola with her father F.F.Coppola taken on the set of The Godfather: Part II (1974)


40 | Famous expats

She continues: "I was living in Paris (moved to France in 2006), and I was taking some time off after my daughter was born, and sometimes people would come over and bring these tabloids from the US. It's not around in Paris, the way it is in America, this crazy obsession with celebrity, all these reality shows. I wanted to do something about this moment in our culture." Coppola adds that her film is not a satire, as such: "I wanted to be empathetic and not judgmental, not putting over a big message, but more thinking about what's on the other side of all this?" (The Guardian)

"COPPOLA AND HER FAMILY LIVED IN PARIS FOR SEVERAL YEARS BEFORE MOVING TO NEW YORK CITY IN 2010." Per sonal life In 1992, Coppola met director Spike Jonze; they married in 1999 and divorced in 2003. In an official statement, Coppola's publicist explained that the divorce decision was reached "with sadness". It is widely believed that a minor character in Lost in Translation is based on Jonze, as Coppola stated after the film's release, "There are elements of Spike there, elements of experiences." Coppola married musician Thomas Mars in 2011.They met while producing the soundtrack to The Virgin Suicides.They have two daughters: Romy and Cosima. Coppola and her family lived in Paris for several years before moving to New York City in 2010. (Vikipedia)


Credit: Pinterest


42 | Identity


Surprising links between your geography and your personality A recently published study by Shigehiro Oishi and colleagues at the University of Virginia showed a striking relationship between geography and personality. In a series of five studies, Oishi?s group built the case that introverts are happier in mountainous settings than they are on beaches. In laboratory studies, more introverted student participants reported that they preferred scenes of mountains to scenes of beaches. In a wider-ranging experiment looking at the personality structure of residents on a state-by-state basis, the researchers found that residents of mountainous states like Washington, Idaho, and Montana showed higher tendencies to introversion than states with flatter terrain like Iowa, Ohio, and Michigan. This fascinating finding suggests that the kind of terrain in which we live, and the affordances it provides for social interaction or solitude can influence how we feel, but it leaves open an important causal question: Do WWW.EXPATSWORLD.COM

environments that are conducive to quiet reflection actually change the personalities of their residents, or do more introspective types gravitate to such environments because they feed deep needs for the kinds of situations that are most adaptive for those individuals? The researchers tried to address this question in a final experiment in which they took individuals to two different types of settings - a secluded, wooded setting or a flat, open area - and engaged them in small group discussions. If the setting influenced variables related to introversion extraversion, then one would predict that the wooded setting would change the nature of the group conversation. To measure this, the researchers simply recorded the number of times each participant in the group spoke during the conversation. Following the conversation, participants completed a questionnaire that was meant to probe their immediate self-perceptions of introversion or extraversion.

Identity | 43

between city locations and personality variables, but only some of these variables seemed to be influenced by the physical properties of the locations - for example, density, percentage of green space, and percentage of non-domestic buildings.

U W HO YOU ARE? Credit: Unsplash/ Johannes Plenio

The final study showed little evidence for a causal effect of environment either on the talkativeness of participants or their self-perceptions. Although the results of the experiment were largely negative, the authors point out that this study was of small scope. Additionally, it might not be reasonable to suppose that a brief, single exposure to a particular type of setting would have a significant effect on the measurement of personality variables, which are presumably built over a lifetime of experiences and events, not to mention the genetic heritage that we also know influences personality. Another recently published study by Markus Jokela at the University of Helsinki and a group of international collaborators from the United Kingdom, the Netherlands, and the United States was based on online surveys completed by residents of the city of London. In this study, a large group of life satisfaction and personality variables was measured to determine their relationship with different postal districts in the city. In this study, a much finer grain of geographic analysis was possible, and the sample size was very large - 56,019 residents of Greater London. As in the Oishi study, there were some striking relationships

The detailed findings of this paper are much more complicated than that of the Oishi study, but the thumbnail sketch is similar: Where we live can affect our levels of life satisfaction in ways that are somewhat predictable based on aspects of our personality. Like the Oishi experiments, there is no basis for the claim that our surroundings can actually change our personality, but there are strong indications that the mix of individual variables with the physical variables of our surroundings can influence how we feel, what we do, and what we think about our lives.

"WHERE WE LIVE CAN AFFECT OUR LEVELS OF LIFE SATISFACTION IN WAYS THAT ARE SOMEWHAT PREDICTABLE BASED ON ASPECTS OF OUR PERSONALITY." Winston Churchill famously proclaimed that ?we shape our buildings, and afterwards, our buildings shape us.? The science to support Churchill?s prescient claim is only now beginning to gain steam, but the work of unraveling the relationships between urban form, personality, and individual behavior has important implications for all of us. Whether or not our built surroundings can affect core personality variables is still an open question. Regardless of the answer, we already know that we can only have psychologically sustainable buildings and cities when we know what kinds of designs are most likely to produce happiness, fulfillment, and life satisfaction.



InBusiness | 45

Make Your Move Easy with Being Barcelona Being an expat in a new city is not always easy and it involves a lot of time and effort. This is where Being Barcelona can help! Their mission is to avoid the hassle for people that are coming to Barcelona. They will literally be your right hand and your local contact, and trust that they know the city extremely well and can help with any initial problems that could occur. Relocat ion Ser vices We will make your adaption process smooth and guide you until you are fully installed. Choosing the right neighbourhood, finding the right apartment, contracting the best services for you, helping you through the ?drive me crazy? bureaucracy. With our help, everything will go faster and we will save you a lot of time. Con cier ge Ser vices A concierge service offers today?s most priceless commodity ? your time!! Nowadays we all feel more pressure for time than ever before: Long hours at work, time with our families, and having a social life. There is less time for all the tasks we must do, often causing stress and anxiety. With our great experience and knowledge of Barcelona and all it offers, we will help you find the best package for your group or company. Let u s be t h e on e t o h elp you do t h e t h in gs you don?t h ave t im e t o do you r self ! Con t act Bein g Bar celon a: Ph on e: +34 635 805 797 Em ail: info@beingbarcelona.com Web: www.beingbarcelona.com

English Speaking Insurance Experts for Expats If you are looking for the best value car or motorcycle insurance, private health or dental plans or even household insurance, EU Insurance Direct will make things simple and smooth for you. You will be surprised at how reasonable the company?s premiums are and will receive the very best service and advice from Wendy Codd and her friendly English team in Marbella. Wh at in su r an ce plan s do you pr ovide? We offer several Health Insurance options to suit your needs and provide Private Health Plans to suit any budget, which can be limited to Spain or to the whole of Europe or Worldwide. AXA and DKV Health Insurance provides you the very best services for your health, offering 24-hour medical care. We also provide Dental Insurance. With Car Insurance we have a choice of fully comprehensive with or without excess, 3rd Party Fire and Theft, Total loss or Third Party only. Other insurance policies we assist in are Life Insurance, Home, Business, Pets, Golf, Motorcycle, Boats and Travel Insurance. Wh at people h ave said abou t u s: ?I have used EU for 10 years both business and private. They give a fantastic service. Any claims passed straight through to the insurer and always a fast efficient and well-priced service.? ?Excellent service as always from Wendy who lives to get a better quote for you. Very few companies on the coast have service like this.? Con t act EU In su r an ce Dir ect : Ph on e: +34 952 830 843 | +34 635 592 610 | +34 951 080 118 Em ail: info@euinsurancedirect.com Web: www.euinsurancedirect.com

46 | InBusiness

Gentle Chiropractic Care in Barcelona There are many people in Barcelona looking for the results that chiropractic can offer but want a chiropractor that uses gentle, comfortable techniques. Stefan Becker at Sarrià Quiropràctica is an Australian-trained Chiropractor with 23 years of experience and specialises in exactly that. Wh at is Ch ir opr act ic an d h ow does it h elp? - Vertebrae in the spine often get jammed up or restricted in positions that cause inflammation, muscle tightness, and/or nerve irritation. Chiropractors free up these restricted vertebrae using gentle mobilising techniques. Many people initially see a chiropractor to help with common, spinal-related problems such as lower back pain, neck pain, sciatica, disc protrusions and headaches, but Chiropractic offers great results with general health and wellbeing too. Wh at t o expect on t h e f ir st visit ? - The first visit consists of a discussion about your case, a chiropractic, orthopaedic and neurological examination, an explanation of the findings, and treatment. Con t act Sar r ià Qu ir opr àct ica: Ph on e: +34 646 684 402 Em ail: info@sarriaquiropractica.com Web: www.sarriaquiropractica.es

Barcelona?s Top Women?s Healthcare Specialist Dr Leila Catherine Onbargi is an American, U.S. board certified gynecologist and obstetrician who has been attending women at Centro Medico Teknon, a top private clinic in Spain for close to 25 years. She serves the English serves the English and French speaking expat communities in Barcelona, as well as the local Spanish and Catalan community. Wh at do you specialize in ? I have developed a highly respected and well known practice amongst the expat community that has now evolved to focus mostly on gynecological care, gynecological cancer screening and treatment, infertility, the special needs of peri- and post-menopausal patients, pelvic floor and incontinence treatments, and the increasing demand for vaginal rejuvenation procedures. Wh o do you h elp? We provide comprehensive women´ s health care that begins in adolescence, right through to women in their reproductive years and then well into the menopause. Our goal is to offer expert and personalized multilingual healthcare for women at all stages in their lives. Please refer to the website for further information about Con t act Dr . On bar gi at Cen t r o M edico Tek n on : Ph on e: +34 93 393 31 61 Em ail: dr.onbargi@gmail.com Web: www.teknon.es/en/especialidades/onbargi-leila-catherine

InBusiness | 47

Trusted Wealth Management Advice St. James?s Place Wealth Management Group specialises in delivering face-to-face wealth management advice to individuals, trustees and businesses.

St. James?s Place is one of the largest wealth management companies serving the expatriate community living and/or working in Asia with offices in Hong Kong, Shanghai and Singapore. As well as addressing simple and straightforward issues such as insurance, you can get help in resolving more complex problems such as investing for growth, or income, or retirement planning. ?The path to long-term financial security is strewn with uncertainty and complexity,? says Chris Ralph, Chief Investment Officer at St. James?s Place Wealth Management. Below are his five principles to help keep you on track. 1. En su r e you h ave su f f icien t m on ey f or you r sh or t -t er m n eeds. Cash still plays a vital role in an investment strategy, and enough should be kept on deposit. You should have enough to be able to sleep at night, and to cover both expected needs and unforeseen emergencies. 2. Gu ar d again st in f lat ion . While you should hold money on deposit for short-term needs, there is significant risk in trying to play it safe by putting all your money into cash-like investments. When investing for the long term, you should keep an eye on inflation. 3. In vest f or t h e lon ger t er m . No one knows what will happen to share prices in the short term, but those who invest over a longer period are likely to be better off than they are today. 4. Diver sif y you r in vest m en t s. Shares, bonds and commercial property are examples of assets that can provide growth. Investing in funds rather than individual investments also ensures that money is more widely spread. 5. Fin d t h e best m an ager s. There are a large number of fund managers to select from; some are excellent, some are very good, and some are not. Understanding how your adviser researches, selects and monitors the fund managers should be high on your list of priorities. The value of an investment with St. James?s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested. Con t act St . Jam es?s Place Wealt h M an agem en t Ph on e: +65 6536 0121 - Singapore +852 2824 1083 - Hong Kong +86 21 8028 5300 - Shanghai Em ail: info@sjp.asia Websit e: www.sjp.asia The ?St. James?s Place Partnership?and the titles ?Partner ?and ?Partner Practice?are marketing terms used to describe St. James?s Place representatives. Members of the St. James?s Place Partnership in Singapore represent St. James?s Place (Singapore) Private Limited, which is part of the St. James?s Place Wealth Management Group, is regulated by the Monetary Authority of Singapore and is a member of the Association of Financial Advisors (Singapore). Company Registration No. 200406398R. Financial Adviser ?s Licence No. FA100026. Members of the St. James?s Place Partnership in Shanghai represent St. James?s Place (Shanghai) Limited, which is part of the St. James?s Place Wealth Management Group and a Wholly Foreign Owned Enterprise (WFOE).WFOE registration No. 31000040060051. Members of the St. James?s Place Partnership in Hong Kong represent St. James?s Place (Hong Kong) Limited, which is an authorised insurance broker by being a member of The Hong Kong Confederation of Insurance Brokers CIB, a licensed corporation with the Securities and Futures Commission and registered as an MPF Intermediary. St. James?s Place Wealth Management Group plc Registered Office: St. James?s Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP, United Kingdom. Registered in England Number 4113955.

48 | InBusiness

Your Financial One-Stop Shop Based in Gibraltar, Money Health was established in 2016 by Blake Hughes and has helped hundreds of expats in Spain with all of their financial matters. They have been able to do this through a partnership with a British regulated authorised firm based in Gibraltar named European Financial Planning Group (EFPG). They both passionately believe in giving great service, the best advice, and the best rates with no hidden fees. We asked Blake to give us some insight into the company. Wh y did you st ar t M on ey Healt h ? Money Health was born from an idea/vision I had around 5 years ago. I was personally seeking life insurance and pension planning, but the problem in the financial market was that there were lots of experts in their field but never a business that offered everything financial under one roof. It took time, multiple calls and paperwork to complete before l could get anywhere near a quotation, let alone a contract. The main reason for this, was that they are only regulated to advise on their own specific product. I started to imagine a business where people could be helped with everything financial all under one roof, making it customer friendly and easy to get in touch with the right people, I launched a brand in the UK Offering this service and came into contact with numerous individuals in the European market (Spain) who expressed an interest in the concept. The thought of offering this service to Expats in Spain would have more benefits as we could guarantee safe, secure regulated advice on financial products which the majority of the expat world could not get on the south coast, the rules that govern in Spain are different from Gibraltar and advice can be given by numerous people and sometimes incorrectly. Wh at does t h e com pan y of f er ? Between the two companies we give clients advice on Pension and Estate Planning. MoneyHealth provide Will-writing and Funeral planning, while EFPG provide advice on pensions, investments and life insurance. We work with clients to identify their financial needs, issues, risks and priorities. We then recommend suitable financial products and solutions. We have our own range of market-leading personal and company pension schemes as well as a wide variety of life insurance products. We also offer property and letting services through EFPG Estate Agents. We are always happy to help so please contact us if you wish to discuss any of our services.

Con t act M on ey Healt h : Ph on e: 0800 044 5244 Em ail: info@moneyhealth.co.uk Web: www.moneyhealth.co.uk


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InBusiness | 51

Top Rated Chartered Financial Advice for Expats Having worked with expats as a financial adviser for the past twelve years, Russell Hammond is an expert in his field. So much so that he was recently featured as a Top Rated adviser in the Daily Telegraph, with the UK financial advice review platform ?VouchedFor ?. Joining AES International 7 years ago, was a stepping stone to working at one of the best global adviser firms in Europe and the Middle East, advising clients worldwide. We spoke to Russell about the company and what makes them the best. Wh at m akes AES In t er n at ion al dif f er en t ? Historically, the International Financial Services market has been characterised by the sale of expensive, high adviser commission investment vehicles with little in the way of service provided post initial sale. Within AES, we offer something radically different to this. Crucially, we are fee based and NOT commission based. We do not take commission from the investment providers or any of the underlying funds, therefore we use the lowest cost charging structures available. Our charges normally calculate at around 50%-75% less than our international competitors with no lock in periods and no exit penalties, thus complete flexibility to move in and out of arrangements without impediment. We?re the only Chartered Financial Planning firm that works with international expats. Wh at su ppor t an d advice do you of f er ? There are a lot of very dissatisfied expatriate investors out there. Why is this? One word - commission. It incentivises the adviser to get the initial sale, but then pays the adviser nothing to service and look after the client over the months and years to come. That is why we will often come across individuals who had a great relationship with their adviser initially, and then hearing nothing from year two onwards. As we do not take any commission, we only get paid for as long as our clients continue to be happy with what it is that we?re doing for them. Also, because our fee (1% -1.25% per annum) is based on the value of our clients underlying investments, the more money that they make, the more we get as fee income. It is what you would call, a perfect partnership. It puts the client first, but then ultimately provides a much better business outcome for us. We will happily take on clients from other advisers who feel like they?ve been ?cast adrift?and can almost always recommend improvements to reduce their costs and improve the prognosis for their investment return. We do not charge any fees for initial meetings, and through the use of Go-To-Meeting, we can work with clients worldwide. Contact us today for a private meeting.

Con t act Ru ssell at AES In t er n at ion al: Ph on e: +44 (0) 754 5060690 Em ail: russell.hammond@aesinternational.com Web: www.aesadviser.com/locations

52 | InBusiness

Discover the Best of Marbella Living! Home Fair Costa del Sol is a must for anyone owning, planning to purchase, renovate or refurbish a property in the Marbella area. Here you can learn about the latest home trends, meet local experts and attend free legal and tax seminars. The first edition of Home Fair took place in Estepona last year, targeting the Dutch and Belgian communities. Following its great success, Home Fair is expanding to all international communities along the coast. ?We are expecting a minimum of 40 exhibitors and at least 1,000 visitors,? the organisers say. ?This is a chance for anyone interested in Marbella living to come and meet the coast?s best experts during our home and living expo!? Home Fair is a great opportunity to discover the best Marbella has got to offer, whether already living here or planning a move. During the event, you can hear all about the hottest interior design and home trends, and get heaps of useful information and advice from reliable experts on administrative, financial and legal aspects of Spanish residency and property. Wh o t o f in d at t h e Hom e Fair ? A wide variety of national and international exhibitors will provide specialist advice on aspects concerning homes and living in the Marbella area, for instance interior and outdoor designers, architects, constructors and renovation companies, real estate agencies, furniture and decoration shops, lifestyle consultants, and legal, tax and financial advisors to name a few. Fr ee legal an d t ax sem in ar s There will also be a programme of not-to-miss seminars on important topics, including: 路 Tax r egu lat ion s on Span ish pr oper t y. Guidance on property taxes affecting non-resident buyers and sellers. 路 New t ou r ist r en t al law in Spain . Information about the new holiday property rental law in Andalusia. 路 Last w ill an d in h er it an ce in Spain . Overview of donations and inheritance, and the proceedings and taxes in Spain. 路 Pit f alls of bu yin g a pr oper t y in Spain . Common mistakes when buying property and how to avoid them. Home Fair Costa del Sol will take place from 27-29 October at the Palacio de Congresos de Marbella. Make sure not to miss the famous Da Bruno Ristorante, one of the best-known restaurants in Marbella and caterer of the event. Pre-register online to get free entrance. Con t act Hom e Fair Em ail: fairs@agspain.com Ph on e: +34 951 317 206 Websit e: www.homefaircostadelsol.com

Click here!

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Maximise Your Rental Income in Spain! Do you want to get the most out of your holiday rentals? Spanish Escapes is a place where you can advertise your vacation home on 20+ of the most heavily searched holiday sites and will strive to exceed yours and your guests? expectations. The company has experienced a 20% growth in bookings and are rapidly becoming the go-to site for rental optimisation in Spain. Wh er e do you adver t ise? We list and advertise properties via our synchronised multi-channel platform on the 20+ most popular sites offering holiday accommodation in Spain. We work closely with new property owners to offer holiday rental owners reality of advertising through our multi-channel booking programme. We believe that the more visibility a property receives, equals more bookings and happier owners. Wh at ot h er ser vices do you of f er ? Price reviews and other services are available from our property management partners which include; cleaning and laundry services, key holding, meet and greet and much more. Our new partner offering REAL Scandi Design will be happy to hear from you too! If you want to be part of the booking revolution get in touch today. Con t act Span ish Escapes: Ph on e: +34 627 750 021 Em ail: info@spanish-escapes.com Web: www.spanish-escapes.com

Lower Your Rent in Copenhagen

If you are an expat in Copenhagen, chances are that you are paying too much rent. Rent Guide may be able to lower it and help you get refunded for previous overpaid rent. Rent Guide is founded and run by experienced legal and economic consultants and are based in Central Copenhagen. Wh at is t h e pr ocess? - We will prepare and present your case in order for you to get a refund for the overpaid rent, even if you have moved to another country in the meantime. You will never have to pay out of your own pocket, regardless of whether or not our specialists win. We cover all legal costs, court fees, etc., and we will only charge 30% of the money awarded to you, given that our specialists win your case. If you are curious about having paid/paying too much rent, we encourage you to try our online noncommittal calculation tool. Con t act Ren t Gu ide: Ph on e: +45 6134 0009 Em ail: info@rentguide.dk Web: www.rentguide.dk

54 | InBusiness

Exclusive Members Only Founded by Suzanne Dickinson, Dionysus Lifestyle was born from her love of a good time and meeting great people. She worked for two decades in the nightlife industry running some of London?s top Members Nightclubs and now has a member ?s concierge company with a difference ? aimed at professionals aged between 35 and 55 ? the most comprehensive concierge service in London.

Wh y becom e a m em ber ? Moving to a new country or city can be daunting. How can you be sure that you meet the fun, good-time crowd that would make your time in London the best it can be? Well you can go in and out of all of the bars in your area hoping that it?s where the right people are and hope to eventually meet them. Alternatively, you can join Dionysus Lifestyle, know immediately where the best places are and have a tailor-made new group of London contacts too. Wh at ar e t h e ben ef it s of bein g a m em ber ? There are 3 key areas of membership: 1) No matter which area of London you find yourself in, Dionysus Lifestyle recommends the best bars and restaurant in that area, from high end champagne bars to pubs with great gardens, all of which are suitable for your age group. It?s no fun being the oldest person in the bar? ? . There are even exclusive members offers at some of the partner venues. 2) With a monthly members party, you can spend a night with new friends in an informal and fun atmosphere. Meet new people and grow your circle of friends ? older people that still like to be sociable and party, but don?t want to be surrounded by a really young crowd when they go out. 3) Members receive a monthly newsletter outlining some of the best London events and pop-ups so you?ll never miss another fantastic event again. There is so much going on in London that it can be confusing as to which are the right ones for you. At Dionysus we think that living in a hectic city like London and a digital age, it can be all too easy to become stuck in a social rut, which is why we are on hand to help you with your social needs. Request membership today and expand your social life.

Con t act Dion ysu s Lif est yle: Ph on e: +44 (0)203 5909848 Em ail: info@dionysuslifestyle.com Web: www.dionysuslifestyle.com

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Credit: Unspalsh/Ayo Ogunseinde

Life abroad | 43



BY CATHY HEYNE SOURCE: LIVING ABROAD Expat fatigue isn?t one of those things like the stomach flu, where you know it when you?ve got it. If it were, it would be fairly obvious how to identify and deal with it. Instead expat fatigue has this sneaky habit of flying under the radar. If your excitement for being in a new place has ever taken a nose dive into intense frustration or listless exasperation, you may be experiencing expat fatigue. Expat fatigue is expected and natural outcome of adapting to a new place. Left unchecked, however, this may be a form of self-sabotage. When you allow yourself or your loved ones to get consumed by expat fatigue, you hijack the very sense of adventure that inspired your expatriate life in the first place. What is really at risk? The expatriate assignment, important relationships and one´s own happiness. These are high stakes. NAM E THE BEAST Road rage on the way home from work. Refusal to learn the local language. Religiously stirring up evening cocktails. Gut-wrenching homesickness. On their own, none seem to point in an obvious direction, but when you recognize the name of the beast you are facing, you are better able to cope with it. David L. Szanton?s explains it as "physical and emotional WWW.EXPATSWORLD.COM

exhaustion that almost invariably results from the infinite series of minute adjustments required for long-term survival in an alien culture." Szanton goes on to name the demanding nature of suspending our default responses, including how we evaluate something, and the tiring effort required to constantly adapt our approach. Szanton is straightforward, ?conscious or unconscious, successful, or unsuccessful consumes an enormous amount of energy leaving the individual decidedly fatigued.? TAM E THE BEAST If you want to deal with expat fatigue effectively, you will want to have laser-like focus. Cross-cultural psychologists Ward, Bochner, and Furnham (2) help us simplify the complex process of adapting to a new or unfamiliar cultural environment by breaking it down to the ABCs

Life abroad | 57

(Affect, Behaviour, and Cognition). A is for Affect: Pay attention to your feelings What to look out for : Take note when you feel confused, anxious or feel isolated. You might experience the over whelming desire to simply be somewhere else or catch yourself flipping out at relatively minor incidents. Be careful if you notice these red flags appearing at an increasing frequency. Pay attention if your body is screaming at you in the form of sleep or digestive problems, or a dramatic loss of appetite. Letting any of these tendencies go may lead down a dangerous path to depression. Tr y this: take care of your health and well-being: - Focus on your health so you can regain strength and clarity. It is imperative. - Try slowing down how quickly or intensely you dive into the unfamiliar. - Be creative in building ?safe havens? of familiarity once a week. B is for Behaviour : Pay attention to your actions What to look out for : When we are in a new cultural context our ?natural? behaviour may not always fit in. You know this when you come across as awkward or even inappropriate. This can be draining on so many levels. What is simple for the locals ends up requiring a huge extension of your patience or effor t. Going through your days feeling like you are always ?messing up? or that everything you do is a momentous challenge takes a toll. It is time to take note when you notice a dramatic change in your self-confidence or assertiveness. Maybe your leadership style suddenly includes ?giving up? or ?giving in.? You may even find yourself privately making insulting comments about the locals. A downslide in work performance, refusal to speak the local language or a gradual yet increasing dependency on alcohol are all signs to watch out for. Tr y this: seek to understand the ?whys? behind local practices and increase your cultural understanding. Identify

low-risk opportunities for you to try out new behaviours and get feedback. Take detailed notes of what you are learning. Refer to these often to celebrate your progress.

"PAY ATTENTION IF YOUR BODY IS SCREAMING AT YOU IN THE FORM OF SLEEP OR DIGESTIVE PROBLEMS, OR A DRAMATIC LOSS OF APPETITE. " C is for Cognition: Pay attention to your thoughts This is hands down the most complex and least straightforward aspect. You may start feeling worn down and not be able to identify exactly why. Keep in mind that when you are in the middle of adapting to a place that is significantly different from your familiar stomping grounds, you may discover that the way you see the world, how you see yourself or the groups that you belong is being challenged. What to look out for : You suddenly notice that how you have typically seen yourself is not how others see you ? and it troubles you. Maybe you go from thinking of yourself as middle-class to being seen as rich, from being an American to called a ?foreigner?, from a colleague on equal footing to someone of lower (or higher) status. Shifts like these can spur emotions like guilt, shock, confusion or even frustration. Tr y this: Know that when you start grappling with big topics like identity, nationality, poverty, injustice, equality, and generally ?what is right and wrong?, it is a sign that you are developing. - When something new is being presented to you, find out how you can learn from it. - Take the opportunity to learn more about your own culture. What are my main values? My core assumptions? What did I see as ?normal? that isn?t shared by my new community? WWW.EXPATSWORLD.COM

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Moving to live somewhere off the beaten track can be a brilliant adventure, but there are also risks for which it's best to be prepared. It might happen that the expat dream has turned sour. Here's the list of ten things to watch out for when you're making plans to relocate: Roads may be dangerous It may not be the snakes or mosquitoes that you need to worry about in less developed destinations. Road traffic accidents are one of the most common causes of hospitalisation for expats in the developing world. Cars can be badly maintained, road lighting can be poor and drivers are not always regulated. Take care both when travelling in a car and crossing roads. Ordinary risks can somet imes be forgot t en Some expats will go to great lengths to prepare for worst-case scenarios, like spider or animal bites ? and may overlook more common risks, such as gastroenteritis. Or, as seasoned travellers, they may become complacent about daily health hazards. Remembering simple precautions around hand washing and food preparation is essential in less developed expat destinations. Don't forget the obvious things like road safety and washing your hands in the excitement of WWW.EXPATSWORLD.COM

beginning your expat adventure. Language and cult ural differences may creat e problems Being ill and unable to speak a common language with your doctor in a far-flung corner of the world can be both frightening and dangerous. You may not be able to communicate important information about your current medication or allergies ? or to find out about any proposed treatment. Closer to home, in popular expat countries such as Spain, cultural differences can mean that basic nursing care, such as feeding and washing, falls on family members, not hospital staff. This can create confusion and even inadvertent neglect. Medicat ion isn?t always what it seems Popular emerging expat destinations such as Panama, Ecuador and India can be hotbeds for counterfeit drugs. Even first world countries can occasionally harbour these impostors. Make sure that you always go to a trusted pharmacy to buy medication, wherever you are ? and preferably an international chain. If you?re not sure where to go, take advice from a reputable doctor.

The t hreat of Ebola may not be over The worst of the Ebola outbreak may be behind us, but the virus can lie dormant in the central nervous system for some time, and its traces have been found in the semen of survivors six months after recovery. The risk is greatest in West Africa. Not all healt h insurance policies are t he same If you?re living in an area without first world medical care and you need to go elsewhere for treatment, some health insurance policies may not pay for your travel to hospital unless you?re in a life or death situation. Being too ill to use ordinary transport, but not having a life-threatening illness, could result in a large bill for an air ambulance, or limited treatment options. Check your policy carefully. Even in hospit al, infect ions can be rife You may find that good medical care is within reach, but that the hospital you go to is packed with infectious patients, particularly if an epidemic is rife. Finding medical care that?s safe to access can be a challenge outside the developed world.

Health | 59 Medical facilit ies aren?t always as good as t hey look Private hospitals in developing countries can look impressive, but sometimes a smart building can disguise a lack of medical skills and facilities, and expats can get caught out. Risks can include receiving contaminated blood ? because of poor hygiene or inadequate screening for viruses such as Hepatitis B and C and HIV. Minor illnesses can become major worries Developing regions don?t just lack good options for medical treatment ? they also offer poor diagnostic capabilities. Basic scans and blood tests may not be available and this can make it difficult to know just how ill you are. You may have to travel to better medical facilities several

hours away to find out. A relatively minor problem like a chest infection can quickly develop into something more serious, and it?s always best to play it safe. Things change Destinations that were once considered risk-free can deteriorate. Greece is the best example of this: a country where expats have lived for years and have been able to get good private and adequate public health care. But today, due to the economic crisis, there are severe shortages of ? among other things ? drugs, medical equipment, doctors and nursing staff. Minor illnesses can become major worries Developing regions don?t just lack good options for medical treatment ? they also offer poor

diagnostic capabilities. Basic scans and blood tests may not be available and this can make it difficult to know just how ill you are. You may have to travel to better medical facilities several hours away to find out. A relatively minor problem like a chest infection can quickly develop into something more serious, and it?s always best to play it safe. Things change Destinations that were once considered risk-free can deteriorate. Greece is the best example of this: a country where expats have lived for years and have been able to get good private and adequate public health care. But today, due to the economic crisis, there are severe shortages of ? among other things ? drugs, medical equipment, doctors and nursing staff.

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Located in the northeastern part of Germany, Berlin is the capital of the country and one of the major cultural centers on the continent. It is the second most populated city in the EU, with approximately six million residents from over 190 different nations. Berlin has long been a popular destination for expats because of the high living standards, affordable living costs, and excellent infrastructure it offers. Cosmopolitan, relaxed and stress-free The city is modern and non-conformist, widely known as one of the most liberal cities for minorities in Europe. Famous for its ?Berliner Luft? (a joking reference to the mythical, magical air of the city that has even been eulogized in song), Berlin has a free, cosmopolitan atmosphere where creative people and artists thrive. Migrants and expats in Berlin can live here without fear of being judged or marginalized. The city is innovative and is known for its modern architecture, nightlife and art scene. Berlin encourages an active outdoor lifestyle with plenty of parks, forests, and beaches. Tempelhofer Feld, Berlin?s former airport and largest public park, is buzzing with activity on weekend afternoons. Also, Berlin has the best street art in the world. If you walk through almost any neighborhood, you can?t miss it.

Street art is something you?ll see everywhere in Berlin. L ar ge expatr iate community One-third of the population in Berlin is made up of its expatriate community. Westerners, in particular, will feel at home here, but there are expats from all over the world. You?ll usually find that connecting with other expats is easy, as they may be in a similar situation to you. Sharing experiences and bonding with the expat community will lend support and make life easier. Many in the expatriate community love sitting outside in the biergartens, or in the parks, or down by the Spree at the beach bar. Most Berliners are polite and considerate and will switch to English if they find that you are struggling with German. However, although English is widely spoken, German is the preferred language of communication. Finding a German

speaker in your group and practicing with them will help you learn the language more quickly. Affor dable living costs The cost of living in Berlin is lower than other large cities in Germany, and the city is, in fact, the most inexpensive capital in Western Europe. A decent quality of life is comparatively affordable here. Rent, transport and food are easy on your pocket, which means you can do a lot more and stretch your Euro the furthest in Berlin. Wor k-life balance As we just mentioned, expats in Berlin enjoy an excellent work-life balance that allows them to not only travel, but simply relax, enjoy the city, spend time with friends and family, and indulge in hobbies and other activities. To some extent, this is a cultural phenomenon, but in addition, the German government gives great importance to a healthy


62 | Featured city

Credit: Unspalsh/Jonas Tebbe


work-life balance. It is compulsory in Germany for every employee to receive a minimum of four weeks of paid vacation each year, and some even receive up to 30 days a year. Employees are not allowed to work more than 40 hours a week, and it is illegal for an employer to contact a member of staff after office hours, unless in an emergency situation. Expats find it reassuring to know that local labor laws are in support of employees. Star t-up culture and j ob oppor tunities After years of stagnation, even following the unification of the country, there have been strong indications of economic growth in Germany for quite a while now. Berlin has all the makings of a dynamic, entrepreneurial city. It has


been a popular hub for start-ups and is alluring for expats, even though getting a work visa can be challenging. The new web and e-commerce sector is talked about a lot. Berlin has established itself as the world?s biggest e-commerce startup location (after California?s Silicon Valley and London). The IT sector has created diverse job opportunities in the field of programming, web design, and graphics. Twenty or more of the top internet startup companies in Europe are now based in Berlin. WISTA, the new science, technology & research campus in Aldershof, and the developing ?Mediaspree? district have also attracted several top companies from across the globe. There are many opportunities for

Featured city | 63

in short supply. Many Englishspeaking jobs have opened up in the job market. Big names such as MTV Europe, Universal Music, O2, Mercedes, and Allianz now have a presence in Berlin, giving the local economy a lift and creating many more job opportunities. Tourism also has seen enormous growth in the last decade, further improving the economy. Healthcare The healthcare system in Germany is one of the best in the world, and Berlin has some of the best hospitals in the country. German law requires

all residents to have local health insurance, and this applies to all expats, including EU citizens. However, most people choose public insurance, which is fairly cheap, and more than adequate. EU expats can also transfer their social security and health insurance to Germany, and social security agreements allow citizens of a few other countries to also use the public system in Germany. Regardless of what an individual expat chooses to do, she can be certain that both public and private healthcare in Berlin are on par with (and even above) international standards.


Credit: Unspalsh/Ac Almelor


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Credit: Unspalsh/Oxana V

Making the decision to move overseas can be both exciting and scary. On the one hand you?re embarking on a cool new adventure, on the other you?ll be faced with a foreign culture, language, and way of life that you?re not at all familiar with. When it comes down to it, it?s best not to take the decision to move abroad too lightly. If you?re not prepared for the potential bumps you might encounter, you may end up giving up too quickly before you?ve had the chance to acclimate. Being an expat isn?t easy, but it?s also incredibly rewarding (take it from a long-time expat). But if you?re not sure you?re prepared to take on the expat life, check out these 5 ways to know if you?re ready to live and work overseas. WWW.EXPATSWORLD.COM

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1. You are financially stable I can tell you from experience that it?s never a good idea to move overseas without having a strong financial net to fall back on. Early on in the move is where you?ll end up spending the most money, whether it be in a down-payment for a flat rental, investing in new furniture, or shipping all your stuff to another country. Even if you have a secure job waiting for you on the other end, make sure you?ve saved up a substantial amount so that if something does go wrong you have a cushion that gives you time and space to figure out your next steps. Many expats suggest saving between 30%-50% of each paycheck for one year before you move abroad. 2. You have a solid foundation Don?t move abroad to get away from a bad relationship or because you?re running from family problems. While it may give you temporary reprieve, it will cause you a lot of heartache in the long run. Before picking up and moving to the other side of the globe, do your best to make sure your relationships are stable and that you are leaving behind a solid foundation of people who will support you during this new chapter of your life. Eliminate the toxic individuals from your life and hold on to the good ones who truly care about you. Sure, a few of your friends might think you?re crazy for packing up and moving to Taiwan, but as long as they are willing to love and support you through it, you?ll be glad to have them down the line.

"DON?T MOVE ABROAD TO GET AWAY FROM A BAD RELATIONSHIP OR BECAUSE YOU?RE RUNNING FROM FAMILY PROBLEMS. " 3. You have thought it through A big mistake that many first-time expats tend to make is to think that all you need is your passport and a plane ticket and everything else will work itself out. Moving abroad without doing any research into the country you?re headed to is risky at best. You may get lucky and everything will turn out fine, but why risk ending up in a bad situation because you didn?t really think the decision through? Stop daydreaming about living overseas and start planning it. WWW.EXPATSWORLD.COM

Do tonnes of research into the country you?d like to go to, the visa laws, jobs, quality of life, as well as official languages and major customs. You may discover somewhere along the way that a particular country just isn?t for you, but it?s better to figure it out when you still have the ability to change your plans than when you?re standing shell-shocked on the other side wondering what the heck you were thinking.

"A BIG MISTAKE THAT MANY FIRST-TIME EXPATS TEND TO MAKE IS TO THINK THAT ALL YOU NEED IS YOUR PASSPORT AND A PLANE TICKET AND EVERYTHING ELSE WILL WORK ITSELF OUT." 4. You are ready to take r isks It might seem counter-intuitive to list this right after telling you to plan, plan, plan, but hear me out. Even if you do a lot of planning, are financially stable, and have the friends and family to back you up, moving overseas can still involve quite a bit of risk. This is something you have to accept if you really want to be an expat. There are so many aspects of a new culture that you have to learn and experience for yourself and no amount of online research can teach you how to deal with some of the challenges of living and working abroad. Do all the research you can, but also prepare yourself to be deal with situations as they come along. Once you?re prepared for a certain amount of risk-taking, you?re ready to head overseas. 5. You really want it Choosing to live the expat life shouldn?t be done for wishy-washy reasons. Don?t do it because you want to make people jealous of your jet-setting lifestyle, or because you think the grass is greener on the other side, do it because you can?t imagine living your life any other way. There are plenty of people who love the idea of settling down and doing the 9-5 life, and that?s great. But if you are someone who can?t imagine anything more exciting than being able to travel and live abroad, then the expat life is for you. And you?ll definitely find a way to make your dreams come true.

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PET INSURANCE WHEN TRAVELING BY JOE CORTEZ SOURCE: TRIPSAVVY Even the most seasoned travelers need somewhere to call home. Nothing makes a home feel more complete than having a four-legged companion waiting. There is a special bond that modern-day adventurers have with their pets: no matter where they go, someone will always be home waiting to greet them with undying love and affection. Every once in a while, it seems like a natural fit to bring furry friends along for the next trip.

were to happen, would traveling pets be covered as well?

Whether it's a weekend at the lake or a trip halfway around the world, pets can be a natural and comforting companion to have alongside. Depending on the destination, some travelers will purchase a travel insurance plan to cover them in the event of injury, illness, or an unforeseen event. If the worst

Unfortunately, pets do not have the same rights and coverage levels as their human counterparts. Those who do plan on traveling with pets in tow need to consider all the situations affecting them while traveling - both on the way to the destination and while far away from home.


Insurance | 69

CARRIERS HAVE DIFFERENT POLICIES FOR PETS For those traveling by air, policies for pets may differ greatly. As an overall rule, travelers need to coordinate with their carriers about travel rules for their animals and set up arrangements far ahead of time. Small dogs and cats who travel in a travel-sized carrier may be able to travel with their owner as carry-on luggage. If a pet cannot comfortably be fit in the cabin, or there are already too many pets in the main cabin, they may have to be transported as checked luggage. In order to travel as checked luggage, dogs may require a number of special accommodations, including a minimum age, a travel crate, and a health certificate from a veterinarian. Airlines may also impose a special fee for pet companions while traveling; this policy varies among airlines. Finally, although an airline can transport pets, each has a different level of liability for a pet's health while entrusted to the carrier. As proven in a previous legal case, some airlines will limit their liability to the same limits prescribed to checked luggage, currently set at $3,300 for domestic flights. If a pet were to get injured or die in the care of an airline, the airlines may only cover losses of the declared amount, up to the maximum. TRAVEL INSURANCE DOES NOT TRADITIONALLY COVER PETS International travelers will purchase a travel to cover their health while in a foreign country. Do those same liberties extend to pets as well? The answer is complicated and difficult. If a pet is brought onto an airplane either checked through or carried on, then some travel insurance policies may consider the animal as luggage. As a result, travel insurance may cover what happens to your pet as a direct result of handling from the airline. If a pet is injured during travel, a travel insurance policy may elect to cover this under baggage damage. If the unthinkable happens, then the declared value of the pet may be recovered as

baggage loss. BEFORE BUYING A TRAVEL INSURANCE POLICY, BE SURE TO ASK ABOUT HOW PETS ARE VIEWED BY THE POLICY Would travel insurance cover a trip cancellation if an airline cannot accommodate a pet? Generally speaking, many travel insurance policies do not view veterinary situations as acceptable situations to cancel a trip, including rescheduling a trip because an airline cannot accommodate a pet. Those travelers that are concerned that a flight may be "pet-overbooked" should consider adding Cancel for Any Reason to their insurance plan. Does travel insurance cover an injury to a pet while abroad? Because travel insurance policies are limited to human travelers, many will not cover injury or illness to pets while traveling around the world. In addition, some locations, like Hawaii, have quarantine requirements for entering pets. As a known expense for travelers, insurance may not cover a delay or loss as a result. However, those traveling with their pets across the United States should consider a specialized pet insurance plan, which may cover expenses if a pet gets injured while traveling. Although pets are not traditionally "covered" by travel insurance, travelers can take reasonable accommodations to take care of their furred friends. By understanding what insurance will and will not cover, travelers can make better decisions about when to travel with pets, and when to leave them at home. Whether it's a weekend at the lake or a trip halfway around the world, pets can be a natural and comforting companion to have alongside. Depending on the destination, some travelers will purchase a travel insurance plan to cover them in the event of injury, illness, or an unforeseen event. If the worst were to happen, would traveling pets be covered as well? Unfortunately, pets do not have the same rights and coverage levels as their human counterparts. Those who do plan on traveling with pets in tow need to consider all the situations affecting them while traveling - both on the way to the destination and while far away from home. WWW.EXPATSWORLD.COM

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Know Before You Go: Transportation Tips & Terms BY ASHLEY MANN SOURCE: INTERNATIONAL AUTOSOURCE For Americans, transportation is an important part of their everyday lives because of the necessity to commute to work or travel to other destinations. People in the United States drive themselves rather than using forms of public transportation. In America, public transportation is inadequate compared to other industrialized countries. For example, Russia has one of the largest train systems in the world8.

(Figure 1) Driving Statistics Chart WWW.EXPATSWORLD.COM

The Metro in Moscow often carries 7 million riders a day, while only around 9 million Americans ride the train a week. Moreover, the U.S. does not have an infrastructure to support the growing number of cities. Therefore, driving becomes the preferred mode of transportation for those able to purchase or lease a vehicle due to convenience. According to the statistics shown below (Figure 1),

almost 88% of people drive in the United States. Identifying you need a car may be easy, however, obtaining one, not so much. "PEOPLE IN THE UNITED STATES DRIVE THEMSELVES RATHER THAN USING FORMS OF PUBLIC TRANSPORTATION." In the United States, credit scores impact credit cards, mortgages, and even loans for cars. When relocating to a different country, many people don?t realize that your creditworthiness doesn?t travel from country to country. Upon arrival, you will need to start over and rebuildyour credit from scratch. FICOÂŽ, the most commonly used credit scoring model in the United States9, ranges from 300 to 850; 300-589 represents poor credit while 690-850 represents good credit. As you can see in Figure 2, the higher the score, the more creditworthiness an individual possesses. The higher tiers result in lower interest rates. Ninety percent of lenders use FICOÂŽ scores to calculate interest rates. Individuals with the higher credit

Need to know | 73

scores are often referred to as ?well-qualified.? When it comes to car buying it?s more than just credit challenges newcomers face. Buying a car varies from country to country. It is important to educate yourself on the terminology and processes associated wherever you are relocating. You should pay close attention to items that are usually found in the fine print. For example, in the United States, vehicle advertisements mention ?Estimated Selling Price?which is used to convey an estimated example and does not represent an actual offer that can be accepted by you10. Other terms such as, ?Manufacturer's Suggested Retail Price?(MSRP), showcases a base price that does not include various fees or charges such as destination and delivery, taxes, documentation, title, and registration. Eligibility requirements and the actual availability of the car shown may differ from dealership to dealership. As mentioned earlier, ?well-qualified?is another determinant that may deem you ineligible for the offer. Sounds like a challenge, right? The saying ?not everything you see is what you get?definitely applies. More things to know: · Sales Tax is a percentage of the vehicle cost owed to the state at the time of the sale; this is not included in the vehicle price and will vary by the city and state you reside. · Capitalized Cost Reduction, also referred to as a down payment, is an upfront payment which reduces the monthly cost of financing or leasing the vehicle. · A Registration Fee is a fee paid to the state to register ownership of the vehicle which varies by where you live.

(Figure 2) FICO® Score Chart

· Trim Level distinguishes the different versions of the same manufacturer model including different options and equipment. This changes the cost of the car considerably. · Ultra Low-Mileage Lease refers to the allotment of 10,000 miles per year or even less during the lease term. A helpful tip to avoid paying extra mileage charges at the end of the lease is to calculate the average distance or miles you will travel to and from work and other activities. In summary, an educated buyer is a better buyer. Do your research and contact an expatriate vehicle service provider that specializes in this service. These companies will guide you throughout the entire car-buying process and help you find the right vehicle to fit your needs.

Contact International AutoSource: Email: intlauto@intlauto.com Phone: +1 516.496.1816

Citations: 1Newsroom, AAA, 2U.S. Department of Transportation, 3National Household Travel Survey, 4National Joint Council, 5Statistics Canada, 6BC News, 7UK Department of Transportation, 8Truth-Out, 9My FICO®, 10Mobility Magazine, U.S. Transportation Challenges.

74 | Education


Thir d Culture K ids (TCK s) have unique challenges. They are usually living a pr ivileged life j et-setting around the wor ld, exposed to all kinds of interesting and exotic places. And it is tr ue. They are lucky. But it isn?t always easy. TCKs don?t have the luxury of taking time to get to know people, keeping the same friends year after year, or having consistent caretakers. Many have to learn new languages in order to survive or switch school systems. TCKs need to make friends quickly, assess new situations and adapt, catch up when curricula changes, and then do it all again the next move. At some point they usually end up in boarding school. As a result, I did an informal poll of my friends and asked them what challenges they met at boarding school. This usually meant traveling to a different county and a different culture. Most of the people ended up in boarding school in order to get the WWW.EXPATSWORLD.COM

best possible education. Everyone seemed to have an initial period of homesickness or adjustment, and some were worried about fitting in, but pretty much everybody agreed the number one most difficult thing about boarding school was saying goodbye to friends at the end of the school year. They would scatter across the globe and you wouldn?t know when, or if, you would see them again. ?I have left many places, but only cried for one.? ? Carlos I also found, generally speaking, that there are two kinds of boarding schools. Ones that are strict and confining and the teacher is the dominant unreachable dictator, and others that are more relaxed, where there is mutual respect between student and teacher. Finding the right fit can be challenging. ?Boarding school began at age 12 in the U.K. The first semester was the hardest. I was so miserably homesick that I pretended this was a horrible nightmare and when I woke up, I would be back at home. I just went

about my life pretending this? until I became accustomed to the reality. I didn?t like boarding school in U.K. at all. But, when I arrived at my school in Switzerland for my senior year, I thought ?hallelujah?I have landed in heaven. Everything about Switzerland was great. The teachers respected me and my opinions, unlike my previous school. In the U.K. school I felt like an outsider, but in Switzerland I felt part of the cohesive group.? ? Yvette The first time I went to boarding school I was 13 years old. My parents were living in Mexico City and I went to Austin, Texas. I didn?t like it much. I switched from the British system to the American system, which actually lightened my load a bit, but most of the kids were from Texas and some were day students, so it was hard to relate. I knew nothing about U.S. pop culture. There was a rule for everything. All meals were mandatory; if you left campus for any reason you had to sign out; chapel was twice a week; ?lights out at 10

Credit: Pixabay

was twice a week; ?lights out at 10 p.m.?was strictly enforced; and the teachers lived in separate apartments and were unapproachable for the most part. My parents moved to Lagos, Nigeria when I was 16 and, when my father went looking for a school for me to go to in Europe, he narrowed the selection down to three schools in Switzerland. Then he went and visited each one. He told me they were all impressive and made good presentations. But only one asked him about me. What are your daughter?s interests? What does she like to do? Do you think she would fit in here? Guess which school I went to. Arriving at my new school, I found my roommate had traveled from Tanzania. Walking down the hall in my dorm there were people from Tokyo, Saudi Arabia, Germany and various U.S. cities. That, I could relate to. It was much more relaxed. We were encouraged to strike out on our own

and were not confined to sign-out sheets. We were forced to make our own decisions and act responsibly. We lived in the same houses with the teachers and ate all our meals with them if we wanted to. It was often an opportunity to have discussions about things we learned in class.


Being a TCK is difficult because you are always saying goodbye. You say goodbye each time you move; you say goodbye to family and friends when you go to boarding school; you say goodbye to friends when you leave school. All are sad and painful moments, but my experience as a teenager in Europe was one of the best times of my life. The friends I made at boarding school became lifelong friends. I stayed closer to them than the people I went to college with or met since. We had a special bond. Now when we meet, we just pick up where we left off. As one friend says, we have no explaining to do. It?s like going ?home?.


76 | Immersing

d Pu b li c Cred it : o m ain p ictu re s

HOW TO TRAVEL DEEP INTO A CULTURE the same place where hundreds and thousands have already been, you?ll take pictures of monuments and tourist attractions known worldwide and you?ll end up sharing the same old memories with many others you don?t even know.

BY: IVAN DIMITRIJEVIC SOURCE: LIFE HACK There?s a ton of generic articles about traveling and different aspects of it ? how to travel under budget, what are the main hot spots around the world, what attractions are a must see, etc. The problem with those tricks and tips is that they result in the same experience for different travelers. All of us have a different perception of our surroundings and we all have a unique idea of what makes us happy. That is why I believe it?s necessary to find your own way of getting to know a foreign culture and sink into it to find your own unique impressions. The next few tips, which I found to be more than helpful, are more guidelines than rules, and this makes them simple to apply and modify in whichever way you want, so check them out. Per sonalized Tr avel Ar r angements Traveling enthusiasts who decide to set off on a journey by joining a tourist group will actually miss out on the really important things that one has to see and experience. Just think about it ? you and dozens of other people will go to


So, instead of becoming a part of someone?s routine, you should do some serious research and create your own route. Naturally, you?ll want to leave some room for spontaneity, because the best moments happen when you least expect. Go to the Food M ar ket Dining in restaurants is another way to eat what you?d normally eat at home, but you?ll probably pay more for it, because the chances are you?ll enter a restaurant that caters to tourists and makes a hefty profit from them. Sure, there will be a couple of new dishes on the menu, but the fact is most people decide to go with familiar foods. One of the genius ways to get to know another culture is going to the local food market. There?s a whole lot to what a people eats ? it defines their habits, their way of life and particular flavors that make them unique. I?m sure you?ll be able to find recipes prepared by local households that you can make on your own by simply looking around a bit. There will be a time when you prepare that same meal back home, and I?m sure its taste will trigger a number of wonderful memories. Get L ost Following a map for tourists will take you to all those same places a ton of people visited before you, even if you

Immersing | 77

decide to travel on your own without contacting a tourist agency. It?s only natural to see the Eiffel Tower if you?re in Paris, but instead of wasting your time on waiting in long lines in front of it, you should make your own path. Don?t be afraid to wander the streets and get lost. There?s a certain amount of magic in exploring an unfamiliar surrounding by yourself ? it will lead you deeper into the culture of the local people, which you wouldn?t have discovered otherwise. Par ticipate Before you start your journey, I?d advise you to do some in-depth research on the culture and history of the places you?ll be visiting. In order to truly understand a nation, you need to get to know their ways ? how they celebrate and party, which causes they fight for, how their city is structured, etc. Therefore, while you?re doing your research, pay additional attention to events that are in need of volunteers, happenings organized by the city and

possible festivals where you can go party. Think Big The majority of travelers usually decide to go with world-famous locations, most of which are metropolises. If you decide to follow my guidelines, you?ll be able to overcome most tourist cliches. However, there?s one more thing you should put on your checklist ? you should visit the outskirts and the rural environments near the city you?re in. To truly connect with a culture, you must find out more about its roots. The whole point of traveling is getting out of your own cultural frames, sort of speaking. If your mind is closed for new experiences, you won?t get everything you want out of your journey. Probably the most important thing you should do before you even start packing is opening your mind ? you won?t believe all the amazing things that can happen if you do this. Bon voyage!

78 | Global citizenship

THE 21ST CENTURY SKILLS OF GLOBAL CITIZENSHIP BY RACHEL SOURCE: EF TOURS Critical Thinking and Problem Solving: Problem solving is an important 21st century skill as the issues the world faces grow in scale. Critically thinking about the world?s problems is imperative; inductive and deductive reasoning and analyzing how elements interact with each other can help produce an innovative solution. This type of originality and dynamic method of thought is fundamental to the process of attaining global citizenship because actively participating in the world and working towards progress is the definitive goal of global awareness. Through travel, it is possible to observe the world and its problems, and, most importantly, explore and begin to build the most effective solutions. Community and Collaboration: Through social media sites we have already begun to engage and experience a global citizenship education. A true global citizen, however, uses this sense of community to improve the world around them. Communication is not only a crucial skill for a global citizen to possess, but it is also an important life skill, as well. Through international travel, and open collaboration with new people from WWW.EXPATSWORLD.COM

varying backgrounds, cultures, languages, and values, travelers are able to improve their verbal and nonverbal communication tactics in a variety of contexts. In turn, this increases their ability to work with a diverse range of people to solve a problem and exercise flexibility. Collaborative work is vital to problem solving? enacting change in the international arena requires a number of people from different cultures sharing a common goal and using their unique backgrounds to cultivate solutions. Technology Skills: The 21st century is marked by the pervasiveness of technology and abundance of media and information. To effectively foster change and function in the 21st century, people must be able to determine how to best use these information technologies. By traveling and seeing the world firsthand, young people are encouraged to develop their own perspective on the world, enabling them to become active users of media rather than passive recipients. Evaluating information critically promotes individuality, and through that the development of new ideas. Adaptability: Adaptability is one of those

qualities that any world traveler will learn. When traveling, nothing ever goes perfectly. There are always challenges, whether it is a language barrier, getting lost in an unfamiliar place, or flight delays. The ability to adjust to changing circumstances and deal with obstacles is invaluable to a global citizen. Without this important characteristic, problems would never get solved because of the difficulties involved. A true global citizen often learns adaptability from their travels and keeps a positive attitude when the road gets rough. Cross-Cultural Awareness: Competence when communicating with other cultures is often challenging to learn but is necessary in order to become tolerant and empathetic with a wide range of people. Global citizens possess cross-cultural skills, meaning they understand that differing values, languages, and customs do not equate to differing goals for the world. Cultural immersion is undeniably acquired while traveling and coming into contact with people who are different from oneself. This allows travelers to identify with others, develop compassion, and learn how to work with others effectively and efficiently.

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80 | Food




Kalamansi), a citrus fruit found at each table to make your own spicy sauce. PORK DOMINATES THE PHILIPPINES CUISINE

The Philippines is a meat loving country and pork seems to dominate. At any party, event or fiesta, ?lechon? will be the star. Beyond the whole-roasted suckling pig, you will find pork in many of the local and everyday dishes. From fried pork (chicharones), pork stew, pork blood stew (dinuguan), to pork pieces on a stick, you will find all variations of pork. If you are a pork lover, you will love the food in the Philippines.

Credit: Pixabay


The two distinct taste profiles that we immediately noticed in the food in the Philippines, are sugary sweet and vinegary sour. One of the popular Filipino dishes we tried was a soup called ?Sinigang?. We tried various versions (chicken, pork, seafood) and in different regions of the country. The most distinctive characteristic of this soup is WWW.EXPATSWORLD.COM

its our taste. A second surprise came when eating chicken and crab cooked in the traditional Filipino style. Both were shockingly sweet and the crab came with a heavy sweet red sauce. Don?t expect the use of pepper and a variety of spices in traditional Filipino food. Instead, use the bottles of vinegar, soy sauce, sweet chili sauce, and calamansi (also spelled


When it is time to eat, you will find just a spoon and fork next to your plate. Filipino?s don?t use knives to eat. Instead, they push the food using the fork onto the spoon and ?shovel? it into their mouths. Most of the dishes don?t require the use of a knife and the meat is often chopped up. You rarely find beef on the menu, and when you do it is sliced up.

Food | 81

Credit: Pixabay

Nonetheless, sometimes you will want to use a knife with your dish. It might be to eat a whole fish or cut up large pieces of pork. That?s when the fork comes handy and it also functions as a knife. These may not be the typical tools you are used to, but they work. In the Philippines, you realize quickly that a knife is not always necessary. EVERYTHING AT ONCE, NO COURSE MENUS

Be it at a restaurant or a local eatery, dishes are presented a la carte or in pots in front of you to choose from. Rarely will you see the food separated by appetizers or starters and main meals. On our quest, we noticed Filipinos tend to eat their food in one course. When you order, your dishes are brought out at the same time or as soon as they are ready. The soups come at the same time as the main dishes and everything is laid out on the table.

Don?t expect to take your time eating in between courses. Everything is brought out at once and you had better eat fast while everything is still hot. One great thing about this approach, is that everybody shares together.



Malls in the Philippines do not only provide retail therapy, they are also centers for socializing, entertainment and dining. When we first arrived in the Philippines and wanted to try local Filipino food, everybody kept sending us to the malls. Not used to going to the malls to try local and authentic foods, we were very perplexed. Only after talking to locals and observing the local culture, did we realize that malls provide safe, air conditioned environments. Imagine our surprise when we saw a Catholic Mass taking place at the high-end Greenbelt Mall in Manila. WWW.EXPATSWORLD.COM

82 | Food

Credit: Pixabay

Not surprisingly food courts and restaurants at malls, are foodie destination havens. You will find a range of restaurant options. From casual restaurants all the way to high-end restaurants, the mall can be your destination for food in the Philippines. FILIPINO CUISINE WOULD NOT BE COMPLETE WITHOUT MERIENDA

Filipinos love Merienda or ?snacks in between meals?. The perfect excuse to eat several times during the day. In the Philippines, there are typically two meriendas. One in the late morning, and the other one in the afternoon. A large variety of sweet or savory dishes can be eaten at Merienda. Sweet delicacies might be pastries, mango pies, sticky rice, rice cake and more. And for the savory options you might have empanaditas (small savory


pastries), noodles, fish balls, and the famous local delicacy balut (developing duck embryo). NO CULTURE OF LINGERING OVER MEALS

So far, as we have observed, Filipinos don?t have a culture of sitting and lingering over meals for a long time. This is very different from what we observed on our quest in Argentina, where long lunches or dinners were a favorite, especially on the weekends. As we mentioned previously, Filipinos eat all their dishes at the same time. With no set courses, it feels like people are racing through their meals. Very often, we found ourselves eating slower than most of the people at the table. In addition, lunch or dinner rarely lasted more than one hour. When in the Philippines, be prepared to pick up the pace at mealtimes.


One of my favorite experiences was sitting at a restaurant and ordering a side of vegetables. After eating a lot of pork and very little vegetables, we were excited to try a local vegetable specialty called ?pinakbet.? When the dish arrived, the waiter announced ?here is your vegetable dish.? We were so surprised to see pork and shrimp sitting on top of a bed of vegetables. We ate pinakbet several times in different regions, and each time this tasty vegetable dish was accompanied with pork and shrimp. Purely vegetable dishes are hard to come by in the Philippines. While eating food in the Philippines, look carefully at the ingredients in the ?vegetables? section of any menu.


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84 | Relocation


Reasons t o R

Credit: Unsplash/Marten Bjork

Relocating a business is a tough task and the stress involved is enormous. It involves a lot of planning, costs extra money, and demands some extra logistics too. It is something most businesses will want to shy away from if they can help it. Let?s face it, moving your business is equally a risk. You could lose some of your customers, spend a lot of money you didn?t budget to spend, lose something valuable and even lose some loyal employees who just can?t move with you. In spite of all that, a time comes when you just have to admit that relocating your business is the best option you have.



In case you are at that point of decision where you think you should move but you need a little more conviction to take that leap, then you should read on.

Relocation | 85

Rel ocat eYour Business

Proximity to Clients

You need to reach a new market

Who are the major clients for your business? Where do they come from? Are you always on the road trying to reach these clients? Or are they always in transit just because they want to do business with you? If that is the case, then you should consider moving. You should be as close as possible to your high-end clients and customers. The competition is getting tougher everyday and you don?t want to give them a reason to consider doing business with any other person offering a similar product or service.

Let?s assume you own and run a restaurant in your city. Maybe you already know most of your customers and things are, well, going slow but surely. Let?s also assume that your state government suddenly decides to build a university in another city in your state. If you believe that this new school environment will need your service, then you should relocate immediately.

If satisfying your customers and making profit are the major goals for your business, then relocating your business may just be what your business needs now.

Sometimes, it is possible for a particular market to get saturated. But when that happens, new markets equally emerge. It is your duty as an entrepreneur that wants to thrive to watch out for these changes and maximize them, even if it means relocating.


86 | Relocation

The cost of running the business is lower somewhere else Every thriving business always looks out for ways to increase profits and cut costs. Sometimes, moving your business may be the best option you have to cut your costs and increase your profit. The cost of living, commuting and a host of other needs that will affect your business varies from one location to another. Many businesses move from the suburbs to the cities, and many others move from the city to the suburbs all because of cost. For example you could be paying as much as $14, 000 a month as rent for your office situated in New York City. Assuming you run a business that doesn?t make a lot of money, it will not be wise to spend that much just to pay the rent. Sometimes, even though you are closer to your target market, your business location may incur costs that will make whatever profit you make at the end of the day look insignificant. For instance, the cost of running a business and living in New York City is more than twice that of Chicago. This fact alone is enough to make you consider relocating. You need to expand Relocating your business does not always have to do with moving from Texas to New Jersey. It could well involve moving from a location in New York to a different location still in New York. Sometimes, you will notice that your business has grown and become a lot bigger than your present space can accommodate. Maybe you are already bursting at the seams, the cubicles have become over crowded, and your parking lot is filled.


In such a situation, you should equally consider relocating. In this case you may not have to move from a state to another state, but you should consider moving from your office apartment to a bigger place that will accommodate your present size and level. Labor and workforce Issues The desire to get a suitable work force can be enough to make you relocate your business. It is possible for your business to have a low supply of the type of work force you need simply because of your present location. There are some highly specialized professionals who will not consider moving to the suburb for instance. And maybe they offer just the expertise your business needs.

"IF BUSINESS THRIVES BECAUSE OF A PARTICULAR EXPERTISE WHICH ONLY CERTAIN EMPLOYEES CAN PROVIDE, THEN YOU SHOULD CONSIDER RELOCATING TO A PLACE WHERE IT WILL BE EASIER TO HAVE ACCESS TO THESE STAFF." In cases like that, you should consider relocating your business. If your business thrives because of a particular expertise which only certain employees can provide, then you should consider relocating to a place where it will be easier to have access to these staff. Just like in life, nothing is guaranteed. And moving your business does not mean that it will achieve greater success. Sometimes the grass is greener on the other side, other times they just seem so. But with these five reasons, relocating your business is still an option you should seriously consider.

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88 | Business Directory PARK SCHOOL GI BRALTAR

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DEUTSCHE I NTERNATI ONAL Höhenstrasse 20, Frankfurt am Main, D-Germany T. +49 (0) 6924247376 contact@deutscheinternational.com www.deutsche-international.com Deutsche International helps individuals and companies who want to establish themselves in Germany and the DACH region providing Independent Financial advice and Recruitment services.

Sacred Heart Terrace, Old Town, Gibraltar T. +35020062006 Gibraltar@priorparkschools.com www.priorparkgibraltar.com Prior Park School Gibraltar is first independent, co-educational, modern Catholic/Christian day school, providing British academic education for children aged 12-18. It follows the English exam system of GCSE and A level. SPANI SH ESCAPES The High Farm, Kendal, England, LA8 8BZ, UK T. +39 3397086769 (whatsapp) FREE LISTING - Fir st 20 enquir ies! info@Spanish-escapes.com www.Spanish-escapes.com Maximize your holiday rental income! 12+ synchronized advertising channels through one

ABOGADOS DE M I CCO & FRI ENDS Av. Joan Miro 188 E, Palma de Mallorca, 07015 T. +34 871955077 palma@demicco.es www.lawyers-auditors.com

FORTUL UZ Av. Meridiana 27-29 Planta 6ª, 08018 Barcelona, T. +34 930181000, info@fortuluz.es www.fortuluz.es/en/

Your full service law and audit firm for real estate transactions, company set up, immigration, family office, wealth structuring, paymaster, international and civil law.

Fortuluz is an independent, European energy supplier offering competitive prices and a multi-lingual service around Spain. Switching to Fortuluz is free and easy. SOL EYES C/ Romería del Rocío n° 6, Fuengirola T. +34 952470073 info@soleyes.es www.soleyes.es

M AL L ORCA M ORTGAGE CONSULTANCY Carrer de Sant Feliu, 4, 07012 Palma, Illes Balears T. +34 673820542 nicky@mallorcamortgage.com www.mallorcamortgage.com A specialist mortgage brokerage offering a bespoke individual service to clients seeking the best possible mortgage to meet their needs. SANDY PATTERSON & L ESL EY HI GDON T.+44 7794404836, +34 971831955 sandy.paterson@blacktowerfm.com Wealth Management & Pension Plans for expats in Mallorca to the highest UK standards and transparency. Contact us for a personal advisory meeting free of charge.

Sol Eyes ? professionals in eye surgery and ophthalmology, treating the customers with the most advanced examination and surgical equipment, as well as the experience gained from decades of treating patients. FI SCHER& TOYE ?M AJESTI C HOM ES? C/ Miguel de Cervantes 13, Costa d?en Blanes T. +34 971424613 info@fischer& toye.com, www.fischertoye.com Experts in the international real estate business, who focus on the development of residential projects in Spain and mediation for residential properties in Majorca.

AENFI S Avenida Ricardo Soriano 24, Marbella marbella@aenfis.com www.aenfismarbella.com

M AL L ORCA RI B HI RE Puerto de Palma, Palma de Mallorca T. +44 (0)1189071816 www.ribclubglobal.com

Aenfis has been teaching languages for more than 10 years and is known for its high quality teachers. It is accredited by Instituto Cervantes to officially prepare and examine for DELE and CCSE exams, needed now to obtain Spanish citizenship.

Rib Club Global offers yearly memberships for hassle-free boating based in Majorca. It's both for complete beginners and experienced boat owner who are fed up with the cost and responsibility of ownership.

Business Directory | 89 YARZA L AWYERS Oasis Business Centre, Oficina 9, Ctra. de Cádiz km 176, Marbella, Málaga 29602, Spain T. +34 633702021 info@yarzalawyers.com www.yarzalawyers.com

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YarzaLawyers guarantees a high-quality legal service in both private and public law, as well as in their relations with public and private entities.

For lower back pain, sciatica, neck pain, headaches and general health issues.

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Services: Bootcamp; Personal Training; Menthal Training (recommended for busy and stressed business people); Groups classes to children; Mommy (2b) classes; Core Master.

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SHI PI TO World wide services T. +1 (310) 3491172 +1 (310) 3491182 www.shipito.com Millions and millions of packages shipped since 2009. you can shop online on sites like eBay, Amazon and we will ship the packages to you. We can also assist with purchases and arrange payment if you do not own a credit card. Housing Denmar k Copenhagen, Denmark T. +45 70 20 04 70 info@housingdenmark.com www.housingdenmark.com/en/premium

Homestay Exchanges in Spain Calle de Fermín Caballero, 35, 28034 Madrid, Spain T. +34 630 138 129 (WhatsApp) homestaysinspain@gmail.com www.homestaysinspain.com Homestay Exchanges in Spain allows you to stay with a native Spanish family. In exchange for board and meals, you teach them English.

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We at Housing Denmark have 13 years of experience in leasing homes to demanding tenants. Excellent condition, character and charm are just a few common characteristics of all of our properties.

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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.

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82 | Social media

HOW BAD IS INTERNET CENSORSHIP IN YOUR COUNTRY? By Al ex Gr ay Sou r ce: W or l d Econ om ic For u m

When we think of the internet, it?s tempting to picture a world with no rules, and no limits. In reality, though, what is allowed in one country is very different to that allowed in another. According to a recent study by Freedom on the Net, two-thirds of all internet users ? 67% ? live in countries where criticism of the government, military, or ruling family is subject to censorship. The organisation ranks each country by its internet freedom: 0 is the best, 100 is worst. The areas in darkest red score the highest, in other words, have the least internet freedom. China, for instance, scores 88, and South Africa 25. L imited access The report found that only a quarter (24%) of the internet?s population had completely free access. Twenty-nine percent had partly free access, and 35% had no free access at all. It WWW.MYEXPATSWORLD.COM

was not possible to assess 12% of the internet population.

Global trends The study found that internet freedom around the world declined in 2016 for the sixth consecutive year, and that many people are being punished for their use of social media.

Social media | 83

Globally, 27% of all internet users live in countries where people have been arrested for publishing, sharing, or merely ?liking? content on Facebook. Authorities in 38 countries made arrests based on social media posts over the past year. That's compared to 21 countries where people were arrested for content published on news sites or blogs. But it's not just the social networking sites where some users can be at risk; internet messaging systems are also being targeted. WhatsApp faced the most restrictions, with 12 out of 65 countries blocking the entire service or disabling

certain features, affecting millions of its one billion users worldwide, during the period of the study (June 2015 and May 2016).

GLOBAL INTERNET POPULATION BY 2016 FOTN STATUS FOTN assess 88% of the world's Internet user population.

"Globally, 27% of all internet users live in countries where people have been arrested for publishing, sharing, or merely ?liking? content on Facebook." Among the trends noted by the report was an expansion in the things some governments looked at. For instance, sites and pages through which people initiate digital petitions or calls for

protests were censored in more countries than before. Censorship of images was also found to be increasing. But it's not only direct censorship that affects internet freedom.

The reports says that in some areas, free-to-access internet phone providers have had their use restricted, or even ended, in order to reduce competition with the traditional telephone networks. I ncreased sur veillance Another trend highlighted in the report was the increase in legal changes to

allow governments to monitor people?s online communication. This is a topic of intense debate, and is happening in both democratic and non-democratic nations. The most frequently stated reason for the changes is governments wanting to protect their citizens from terrorist activity; intelligence and law enforcement agencies argue that they need access to information in order to prevent and prosecute terrorist attacks. Of the 65 countries assessed, 34 have been on a negative trajectory since June 2015, but 14 countries registered overall improvements. Of the 65 countries assessed, governments in 24 countries impeded access to social media and communication tools, up from 15 the previous year.


Expat's kids | 65



By Car ol e H al l ett M obbs Sou r ce: Expact Ch il d

"In reality, expats generally find that their children adjust quicker than they?d hoped, or at least find it easier over time." WWW.MYEXPATSWORLD.COM

66 | Expat's kids

Understandably, the idea of uprooting your family from their home and moving them half way across the world can be incredibly daunting ? and that?s on top of the stresses involved in moving home in the first place. It?s easy to assume that expatriate children will resent their parents for taking them away from familiar surroundings, and perhaps find it impossible to adjust to new surroundings. In reality, expats generally find that their children adjust quicker than they?d hoped, or at least find it easier over time. And the benefits of moving can drastically outweigh the possible hurdles your family might face along the way. Don?t dismiss the chance of a more fulfilling and advantageous life for your children before you consider the undeniable benefits of an expatriate lifestyle. Your children will exper ience more of the wor ld Thousands of young adults choose to take a gap year and travel the world as a break from education, or more importantly to broaden their horizons and experience the world beyond their home-cities. Traveling gives people a hands-on learning experience of the world they live in. It also teaches us a great deal about our limitations, our passions WWW.MYEXPATSWORLD.COM

and ourselves. Additionally, employers are paying increasing attention to ?well-travelled? job applicants with global experience. Your children will become more under standing of other cultures and backgrounds One of the most beneficial aspects of raising children overseas is the opportunity it gives them to integrate with people of other cultures, backgrounds and beliefs. By introducing diversity into your children?s lives from an early age, they are more likely to grow up tolerant and respectful of other people. This kind of mind-set is integral in today?s diverse economy, and will already be in your child?s nature. Your children will gain a more diver se and unique education Depending on their age, your child may already have received some form of education in your home country. Uprooting a child from their current school and curriculum can seem like a bad decision. However, studies have shown that students who have lived overseas during childhood are more likely to attain a university degree than those who have not. Your children will lear n other languages Not only will travelling benefit the quality of their education, but it will also expose your children to an

entirely new language they would normally be unlikely to learn. Children are far more able than adults to learn a new language quickly, especially when surrounded by children who speak in different tongues. This is particularly notable considering that being bilingual is one of the top qualities looked for by employers today. Your family will become closer as a result Moving to a different country can put a great deal of emotional strain on any family, particularly if you?re unfamiliar with the place you?re moving to. The family unit becomes more dependent upon the others with no other friends or family around. Most expat families find that they spend even more time together as a result, giving the family more quality time to bond and become even closer than before. It would be foolish to assume that moving your family to another country will be simple. It?s likely that your children will find the idea daunting and the actual move difficult to adjust to. But it is important to remember that children do adjust and adapt, often very quickly. The benefits of an expatriate lifestyle are endless and could give your child an excellent start in life. There is every reason to suggest that your new house will swiftly become your new family home.

Credit: Unsplash/Cristina Gottardi

Expat child benefits

92 | Entrepreneurship


By Lau r en Gil m or e Sou r ce: TNW

Small businesses cringe at the concept of outsourcing. Generally speaking, entrepreneurs like having control and autonomy, and the thought of outsourcing anything can make them uncomfortable. Unfortunately, this type-A preference can really stall growth when it comes to expanding to new markets. Taking a small business global is a complex and dynamic process. Gaining a deep understanding of the targeted markets, the competition, current local market trends, and the requirements to successfully launch and drive growth is an important piece of the foundation. For these reasons,


outsourcing should be held in high regard as something that not only creates jobs, but can also enable companies to operate more efficiently, and at a lower cost. Growing companies can ramp up faster through an effective arrangement with outside consultants and vendors. Outsourcing has gotten a bad reputation since it became synonymous with the concept of sending services to low-cost countries. It?s time

outsourcing stopped being looked at as a dirty word. Br ings familiar ity to the unfamiliar Global companies benefit from a geographically diverse business portfolio that provides a natural barrier against the volatility of local growth and country and currency risks. But pursuing so many new-market opportunities takes global companies deep into areas of unfamiliarity they may find difficult to evaluate.

Effectively outsourcing your risk-management infrastructure helps support the global scale and diversity of your operations.

"Outsourcing has gotten a bad reputation since it became synonymous with the concept of sending services to low-cost countries."

Entrepreneurship | 93

and finance infrastructure needs to be set up early on to ensure that you are receiving timely reporting, and that your foreign entity is adhering to local corporate policies and procedures.

practices. Keeping up with payroll changes, financial reporting, and the like in markets they are unfamiliar with only heightens additional burdens placed on the original office manager.

By outsourcing these legal tasks, overall time involved in the filling process decreases and you?re presented with major strategic advantages.

Using outsourced managed services not only alleviates most of the pressure and stress of expanding into foreign markets, but it also boosts productivity and gives the company a much improved ROI.

I t keeps you local

Credit: Pxhere

The ability to have resources ? who understand the technology, market, sales channels, and customer contacts ? readily available can be the key to the speed and success of a sales expansion effort. Quickly building sales pipeline, closing deals, and securing customer references are key to establishing an early presence in any market.

I t lower s the bar r ier of bureaucr acy Legal outsourcing isn?t just a means to lower this cost; some countries are known for being highly litigious, so it?s critical that strong legal processes are put into place to minimize unnecessary commercial risks. Also, government agencies have strict requirements that necessitate certain legal documentation prior to operating within the country. And a proper tax

Language barriers and time zones can also be difficult to deal with. Additionally, not meeting with vendors periodically can make them feel isolated, often leading to more difficult ? and costly ? relationships. Outsourcing parts of your sales channel allows you (or, namely, a representative on your behalf) to balance out any cultural and distance issues. I t positively impacts your bottom line Operating a global business requires a unique understanding of local culture and business

"Figuring out how to grow your business with help from outside professionals can offer increased efficiencies and economies of scale." I t provides access to higher-quality talent at a lower cost When expanding into new markets, you may need outside help to undertake projects that don?t warrant a full-time employee. Many entrepreneurs struggle to find highly qualified, budget-friendly team members. This is especially true if you do business in a major market where the cost of highly-skilled labor can be pricey.

outsource. I t keeps you lean Outsourcing corporate services prevents your company from growing heavy with services or divisions that might not fit with the company?s strategy two years later. When you move into a new market, make an acquisition, or take another step blanketed in unpredictability, you want to be as prepared as possible while remaining flexible. Working with a corporate services partner with local expertise and a worldwide network permits exactly that ? without you having to re-invent the wheel and lose momentum. Additionally, said worldwide network affords you the opportunity to work with one supplier that covers multiple countries. This relieves the pain of managing multiple companies with various standards of work. Plenty of people don?t like the ?O?word, but there are particular times when outsourcing is completely necessary and even positive. Figuring out how to grow your business with help from outside professionals can offer increased efficiencies and economies of scale.

Match talented consultants to your specific needs instead of hiring generalist full-time employees. To get started, identify low risk, high-reward functions to WWW.MYEXPATSWORLD.COM

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Expats World Magazine - Issue 4 - Oktober 2017  

Expats World Magazine - Issue 4 - Oktober 2017