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Issue 5 / January 2018






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HERE FOR YOU We pride ourselves on our integrity; we ensure that we clearly understand our clients requirements, and hold their hands throughout their property buying experience.

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4 | Content

7 Editor's letter | Issue no. 5 8 Featured city | Staying safe in 16 18 22 24

Rio de Janeiro Culture differences | Business greetings around the world Education | 11 best school systems in the world Life abroad | Living abroad helps stimulate creativity Relationships | Long distance relationships

26 Expatriate's nature | Who is an expat 28 30 34 38

anyway? Language | 9 things to know when you are learning a language Statistics | 10 countries with the most emigrants living abroad Taxes | Want to live abroad?Here is how taxes work Famous expats | Vincent Van Gogh

42 Identity | How to succeed as an

idea person 44 InBusiness | Recommended companies 48 Passport | 10 tips to make your visa

process easier

Š ExpatsWorld 2018

Content | 5

Credit: Unsplash/Denys Nevozhai

52 Working abroad | Global teams

that work 54 Legal | What laws apply to expatriate employees? 56 Featured city | Is Warsaw foreign-friendly? 60 Expat's personality | 7 signs that you are a global citizen 63 Health | Are your expat employees at

risk of mental illness? 64 Practical | Overcoming fear of flying 68 Millennials | Working remotely:

Rise of the digital nomad 72 Insurance | What is expat maternity insurance? 76 Traveling | Is the typical traveler stereotype dying? 80 Need to know | Know before you go:

Transportation tips & terms 83 Featured city | 10 tips for moving

and living in Shanghai 90 Relocation | Easiest places to relocate 96 Business Directory | Recommended companies

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

Email: contact@expatsworld.com

Editor's letter | 7

Welcome to the 5th Issue of ExpatsWorld Magazine

We are happy and proud to welcome you to our fifth edition of this magazine, the only monthly magazine for people who live or plan to move abroad. There are approximately 1200 new people connecting to ExpatsWorld every 24 hours, truly amazing. Reading this magazine online, reading our newsletters, following our daily updated newsblog, posting and commenting on our 112 Facebook groups and pages around the world, watching our webTV show, listening to our webRadio channel and contacting us with all kinds of questions and requests for assistance around the world. We see a high concentration of connected people in Europe, Asia and North America. We are now pro-actively starting to connect with people and companies to grow our crowd of followers in Latin & South America, Africa and China. Did you know that there are now over 500 metropolitan areas in the world with over 1 million population ? These are the cities we are aiming to grow and be stronger with our online presence, newsflow and events. As always we manage to give all our followers super services for free, since we have many small and large companies supporting us as sponsors and advertisers. Welcome to another exciting issue of ExpatsWorld Mgazine and don´ t forget to go to www.expatsworld.com and sign up as member for free!

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


Credit: Unsplash/David Costa

Credit: Unsplash/Agustin Diaz

Featured city | 9



Staying safe is probably one of the first concerns that pop into the minds of travellers going to Rio de Janeiro. While there are no reasons for alarm, I?m going to give you some tips on how you can stay safe and enjoy this amazing city It sure doesn?t hurt to be more aware, right? The Prejudice about Rio As Portugal and Brazil have a strong connection, all my life I?ve read about violent crimes and an endless roll of stories of people getting robbed all throughout Brazil and specifically in Rio de Janeiro. Heck, the title of this post already assumes the city is extremely dangerous ? which is not entirely true! In fact all the travel stories people told me about Rio being positive. They always have that little spark in the eyes when describing how vibrant and beautiful the city is. But there were always a but. All the conversations followed the same pattern: ?It?s a great place and you?re going to love it, but? <<insert concerning comment or story that ruins everything good said before>>. Good Rio vs Bad Rio The good news is: I don?t think Rio is that bad. I think too much drama about Rio is going on. In touristy places like Christ The Redeemer and Sugarloaf, I actually felt perfectly safe. Showing my iPhone, DLSR camera and personal belongings was not a problem at all.

And to be honest, I?ve felt more insecure walking in some places of Istanbul or in the very center of Brussels for instance. Yes, crime does exist. I?m not denying this. You are probably aware taht it is a difficult time for Brazil and people are struggling economically. And no matter how careful you are, there?s always a chance that you?ll end up having a bad experience. Anywhere. But just like many major cities of the world which have crime-related issues like Naples, Italy, 90% of that can be avoided if you are a smart traveler. Indeed most street crime in Rio is a crime of convenience, that happen when travelers are not careful enough. So more than any other place, Rio is the place to make the life of robbers and pickpockets harder. Here?s what you can do to stay safe! How To Stay Safe in Rio: Smart Tips Before starting, a disclaimer: I?m not an expert. The following are simply the combination of advice from friends, locals and my own common sense from travelling to many places, some safer than others. But I wasn?t robbed in WWW.EXPATSWORLD.COM

10 | Featured city

Credit: Unsplash/Krys Amon


Rio ? actually it never happened anywhere ? and fortunately I?ve never got to feel truly unsafe, so I want to believe I am doing something right! Take care of your passport First things first. No matter what you bring with you, your passport is the one thing you MUST NOT LOSE. Nobody wants to waste their holidays rotting whilst dealing with the bureaucracy of embassies. Leave the passport at your hotel and bring extra copies in your luggage. A passport cover might be handy. Stay in the right areas Zona Sul (the Southern Zone) of Rio is the safest and with larger police presence. This includes the areas of Copacabana, Ipanema, Botafogo and


Flamengo. Walking around these areas feels safe during the day. At night the story is different. Given the many tourists, the inner streets of Ipanema and Copacabana are known to be specifically targeted by criminals, so avoid walking there. Lapa and Santa Teresa have some nightlife going on, but are known for having many pickpockets, so be sure to move around in big groups and avoid the tiny streets. Also avoid the rest of downtown ? Centro ? at night as it is completely empty. Manage your cash smartly Distribute your cash amongst your pockets, shoes and even your bra. If you travel with someone else give them

Featured city | 11

part of it to hold. Most of the times, I only brought with me the money I was actually going to use, leaving the majority of it safe in the hotel room. ATMs can be a problem Whenever possible, choose the ATMs enclosed in banks and don?t withdraw money alone. Having an extra pair of vigilant eyes may be of great help to dissuade robbers. Use public transportation wisely Although I?ve used some buses in Rio during the day, they are not known for being exactly safe at night. Plus, they don?t run as frequently so you might be facing longer times in the bus stops.

The metro (metrĂ´) might be a better option. I?ve used it every day with no major problems: it?s clean, runs frequently and the trains are even very spacious inside. Be extra careful on the beach Unfortunately, swarms of thieves in Rio?s beaches are a thing. All they need is a second of your distraction to get their hands on your valuables. Sometimes we are speaking about children and teenagers who can outrun you easily. While you?re still wondering what happened, they have already vanished in the nearby streets in broad daylight.


Credit: Unsplash/Andy Falconer


10 | Featured city

Featured city | 9


Credit: Unsplash/Krys Amon

14 | Featured city

Credit: Unsplash/Harshil Gudka



Use the licensed taxis Taxis are inexpensive and a great way to get around the city. However, look out for the ones with a license sticker in the front window and the company?s name clearly stated on the rear back. Is Rio de Janeiro safe for tourists? Short answer is definitely yes, but I?m not going to lie here. You?ll need to be extra careful in Rio. It?s not a war zone or anything like that, but make sure you take extra measures to stay safe around the city. Better safe than sorry is the right mindset, I believe.

Having said that sometimes I asked myself if I wasn?t being too self-aware with all of this. There is this real struggle between doing everything you can to stay safe vs what you possibly might be missing for being too worried. That?s why at some point I loosen up a bit. That little voice at the back of my mind telling me to be careful just got too tiring. Rio de Janeiro is a such a vibrant and unique city with a lot to experience, so having safety concerns ruin your trip in any way would be a shame. Plus, I never have lived my life in fear and for sure I am not starting now.

16 | Culture differences




Not sure how to greet business associates when travelling abroad?Follow this guide to getting it right Greeting new people is never straightforward, especially when you?re operating in an unfamiliar cultural environment.

sense of humour over appearance, intelligence, confidence or even the near-universal phenomenon of the ?solid handshake?.

single kiss on one cheek. If a man and a woman do this in Arab countries such as the UAE, however, it is regarded as a cultural faux pas.

There?s always a brief moment when you?re not quite sure what to do: is your new acquaintance expecting a firm handshake, do they want to kiss you, on one cheek or two, or do they simply want to lock eyes and nod heads?

Further afield, though, things may not be so simple; jokes that get your own team rolling in the aisles may have overseas clients rolling their eyes... and considering business elsewhere. So how do you prepare for the all-important first greeting?

Any form of physical contact between men and women should be avoided if you?re travelling in the Middle East.

In the UK, two-thirds of adults in research conducted by Crowne PlazaÂŽ Hotels & Resorts rated a

In Belgium, for example, it?s perfectly normal for strangers of either sex to greet one another with a


It?s safest for men only to offer a right-handed handshake with male associates, approaching the most senior person in the party first and working down the hierarchy from there.

Culture differences | 17


Credit: Pixabay


Expect the greeting to last a fair bit longer than it would in the UK, and don?t be the person to break away.

awareness of local custom, as does using titles such as Professor, Doctor or Mr and Mrs.


It?s a similar story in Singapore, where a handshake accompanied by a modest bow is normal. In addition, it?s important to be on time, if not early, for meetings. Tardiness doesn?t win friends anywhere, but it?s especially unpopular on this highly efficient island.

Despite substantial regional variations, the traditional handshake is fairly common throughout the world. But it is by no means universal, as a trip to Asia demonstrates. In Japan, a bow is an acceptable way of making someone?s acquaintance, and you should dip slightly lower for someone of high social status. In India, meanwhile, you should join your hands together as if praying, bow your head and say the traditional greeting: namaste. A handshake is unlikely to offend, but using the namaste greeting shows an

As you?d expect, Switzerland is another nation where punctuality is prized. It?s also worth noting that Swiss people tend to favour formality in business settings. Address people by their surnames, and be sure to greet every person in the room with a handshake. Do the same when leaving, and avoid asking personal questions. They?re not regarded as appropriate in Swiss business meetings. Russia is another country where formality reigns. Men tend to greet each other with iron-hard handshakes,

locking eyes in a show of strength and assertiveness. Male-female exchanges are less physically arduous, and Russian men view it as chivalrous to kiss a woman?s hand on first acquaintance. It?s clear that customs differ across the globe, and it pays to be attentive to them if you want to make the right first impression.

"CULTURAL CODE: MEN SHOULD AVOID PHYSICAL CONTACT WITH FEMALE COLLEAGUES IN THE MIDDLE EAST ." When you?re planning your next business trip, check out the local greeting before you go. Then you?ll be sure to make a positive impact on the people you encounter along the way.


18 | Education




Every year, the World Economic Forum releases its Global Competitiveness Report on the state of the world's economies. The WEF looks at data on areas as varied as the soundness of banks to the sophistication of businesses in each country. It then uses the data to compile a picture of the economy of almost every country on earth. Countries were ranked according to the "12 pillars of competitiveness," which includes macro-economic environment, infrastructure, health and primary education, and labour market efficiency. We have drilled down into the schooling data to look at which countries have the best education systems. Neither the US or the UK make the grade in the top 11 (3 countries are tied for 9th, making 11 the clearest cut off point.) Here


are the ones that did make the grade. =9. JAPAN: 5.6 Japan is one of the top performing countries for literacy, science, and maths in the OECD group. Students go through six years of elementary school, three years of junior high school, and three years of high school before deciding whether they want to go to university. High school is not compulsory but enrolment is close to 98%. =9. BARBADOS: 5.9 The Barbados government has invested heavily in education, resulting in a literacy rate of 98%, one of the highest in the world. Primary runs from 4 to 11, with secondary 11 to 18. The majority of schools at both levels are state-owned and run.

Education | 19

Credit: Unsplash/ Jonny McLaren

=9. NEW ZEALAND: 5.6 Primary and secondary education in New Zealand runs from aged 5 to aged 19, with school compulsory between 6 and 16. There are three types of secondary schools in New Zealand: state schools educate approximately 85% of students, state-integrated schools ? private schools that have been integrated into the state but keep their special charter ? educate 12%, and private schools educate 3%. =8. ESTONIA: 5.7 Estonia spends around 4% of its GDP on education, according to

2015 figures. The country's 1992 Education Act says that the goals of education are "to create favourable conditions for the development of personality, family and the Estonian nation; to promote the development of ethnic minorities, economic, political and cultural life in Estonia and the preservation of nature in the global economic and cultural context; to teach the values of citizenship; and to set up the prerequisites for creating a tradition of lifelong learning nation-wide." =6. IRELAND: 5.8 The majority of secondary

schools in Ireland are privately owned and managed but state-funded, but there are also state comprehensives and vocational schools. However, a recent report shows that Ireland's spending on education fell 15% behind the developed world during the height of the financial crisis, 2008 to 2013, suggesting its education system could suffer in future. =6. QATAR: 5.8 The BBC reported in 2012 that oil-rich Qatar was "becoming one of the most significant players in the field of education innovation, supporting a raft of WWW.EXPATSWORLD.COM

20 | Education


projects from grassroots basic literacy through to high-end university research." The country is investing heavily in improving educational standards as part of its Vision 2030 programme to make the country self-sufficient. Government-funded schools offer free education but only to Qatari citizens and most foreign nationals tend to send their children to private schools. 5. NETHERLANDS: 5.9 Dutch children were found to be the happiest in the world in a 2013 Unicef study, leading the way globally educational well-being among others. Schools typically don't give much homework until secondary level and students report little pressure and stress. Schools are divided between faith schools and "neutral" state schools, with only a small number of private schools. 4. SINGAPORE: 6.1 Singapore scores incredibly highly in the PISA (Programme for International Student Assessment) tests, which aim to measure and compare the performance of students across different countries. However, the school system also has a reputation as being a pressure cooker, putting students under a lot of stress at a young age. =2. BELGIUM : 6.2 Belgium has four different genres of


secondary schools, namely general secondary schools, technical secondary schools, vocational secondary education schools, and art secondary education institutions. The Fulbright Commission in the US, which organises student exchanges with Belgium and Luxembourg says: "Education enjoys high priority, and the largest share of the regional governments?annual budget in Belgium. Complete systems of public and private schools are available to all children between the ages of 4 and 18, at little or no cost." =2. SWITZERLAND: 6.2 Just 5% of children attend private schools in Switzerland. Lessons are taught in different languages depending on the region of Switzerland, with German, French or Italian the most common languages of instruction. From secondary onwards students are separated by ability. 1. FINLAND: 6.7 Finland routinely tops rankings of global education systems and is famous for having no banding systems ? all pupils, regardless of ability, are taught in the same classes. As a result, the gap between the weakest and the strongest pupils is the smallest in the world. Finnish schools also give relatively little homework and have only one mandatory test at age 16.

22 | Life abroad

LIVINGABROADHELPS STIMULATECREATIVITY How international experiences can open the mind to new ways of thinking ? There are plenty of things to be gained from going abroad: new friends, new experiences, new stories. But living in another country may come with a less noticeable benefit, too. Some scientists say it can also make you more creative. Writers and thinkers have long felt the creative benefits of international travel. Ernest Hemingway, for example, drew inspiration for much of his work from his time in Spain and France. Aldous Huxley, the author of Brave New World, moved from the U.K. to the U.S. in his 40s to branch out into screenwriting. Mark Twain, who sailed around the coast of the Mediterranean in 1869, wrote in his travelogue Innocents Abroad that travel is ?fatal to prejudice, bigotry, and narrow-mindedness.? In recent years, psychologists and neuroscientists have begun examining more closely what many people have already learned anecdotally: that spending time abroad may have the potential to affect mental change. In general, creativity is related to neuroplasticity, or how the brain is wired. Neural pathways are influenced by environment and habit, meaning they?re also sensitive to change. New sounds, smells, language, tastes, sensations, and sights spark different synapses in the brain and may have the potential to revitalize the mind. ?Foreign experiences increase both cognitive flexibility and depth and integrativeness of thought, the ability to Credit: Pexels/Rakicevic Nenad


Credit: Unsplash/Philipp Mandler


Life abroad | 23

make deep connections between disparate forms,? says Adam Galinsky, a professor at Columbia Business School and the author of numerous studies on the connection between creativity and international travel. Cognitive flexibility is the mind?s ability to jump between different ideas, a key component of creativity. But it?s not just about being abroad, Galinsky says: ?The key, critical process is multicultural engagement, immersion, and adaptation. Someone who lives abroad and doesn?t engage with the local culture will likely get less of a creative boost than someone who travels abroad and really engages in the local environment.? In other words, going to Cancun for a week on spring break probably won?t make a person any more creative. But going to Cancun and living with local fishermen might. In Galinsky?s latest study, published last month in the Academy of Management Journal, he and three other researchers examined the experiences of the creative directors of 270 high-end fashion houses. Combing through 11 years?worth of fashion lines, Galinsky and his team searched for links between the creative directors? experience working abroad and the fashion houses??creative innovations,? or the degree ?to which final, implemented products or services are novel and useful from the standpoint of external audiences.? The level of creativity of a given product was rated by a pool of trade journalists and independent buyers. Sure enough, the researchers found a clear correlation between time spent abroad and creative output: The brands whose creative directors had lived and worked in other countries produced more consistently creative fashion lines than those whose directors had not.

"New sounds, smel l s, l anguage, t ast es, sensat ions, and sight s spar k dif f er ent sy napses in t hebr ain."

The researchers also found that the more countries the executives had lived in, the more creative the lines tended to be - but only up to a point. Those who had lived and worked in more than three countries, the study found, still tended to show higher levels of creativity that those who hadn?t worked abroad at all, but less creativity that their peers who had worked in a smaller number of foreign countries. The authors hypothesized that those who had lived in too many countries hadn?t been able to properly immerse

themselves culturally; they were bouncing around too much. ?It gets back to this idea of a deeper level of learning that?s necessary for these effects to occur,? Galinsky says. Cultural distance, or how different a foreign culture is from one?s own, may also play a role. Surprisingly, Galinsky and his colleagues found that living someplace with a larger cultural distance was often associated with lower creativity than living in a more familiar culture. The reason for that, they hypothesized, was that an especially different culture might come with a bigger intimidation factor, which may discourage people from immersing themselves in it? and no immersion, they explained, could mean none of the cognitive changes associated with living in another country. Traveling may have other brain benefits, too. Mary Helen Immordino-Yang, an associate professor of education and psychology at the University of Southern California, says that cross-cultural experiences have the potential to strengthen a person?s sense of self. ?What a lot of psychological research has shown now is that the ability to engage with people from different backgrounds than yourself, and the ability to get out of your own social comfort zone, is helping you to build a strong and acculturated sense of your own self,? she says. ?Our ability to differentiate our own beliefs and values is tied up in the richness of the cultural experiences that we have had.? This trust may play an important role in enhancing creative function. In a 2012 study out of Tel Aviv University, researchers found that people who ?believe that racial groups have fixed underlying essences?? beliefs the authors termed ?essentialist views?? performed significantly worse in creative tests than those who saw cultural and racial divisions as arbitrary and malleable. ?This categorical mindset induces a habitual closed-mindedness that transcends the social domain and hampers creativity,? the study authors wrote. In other words, those who put people in boxes had trouble thinking outside the box. Of course, although a new country is an easy way to leave a ?social comfort zone,? the cultural engagement associated with cognitive change doesn?t have to happen abroad. If a plane ticket isn?t an option, maybe try taking the subway to a new neighborhood. Sometimes, the research suggests, all that?s needed for a creative boost is a fresh cultural scene.


24 | Relationships

LONG DISTANCE RELATIONSHIPS TIPS TO KEEP YOU CLOSE BY SION LIDSTER SOURCE: ELEPHANT JOURNAL I remember her exuberance for life, as she walked along the road saying, ?Hello,? to strangers, she wouldn?t stop smiling. She was on her own adventure. It doesn?t matter whether I believe in fate or any path that?s ?meant to be?? I have no answers to those assumptions. All I know is that my eyes opened with excitement. Three years later, Jamie is my wife, and we are half way through a visa application to live together in the United States. It has not always been easy. Bask in the scope of your decision You are about to embark on an adventure that people write songs, poems and books about. The romance of a message in a bottle is what you are going to create. The seas and lands between you are going to pull at your strengths and weaknesses unlike any other relationship you have had before. This is raw; this is living. Attempt to keep a mindset semi-detached to the situation. Take time to step back and realize what you both are doing. Be proud of yourself for being the kind of person WWW.EXPATSWORLD.COM

who is willing to take the chance. This is a grand definition of character.

Google Glass, the future of time spent apart will make us closer still.

Realize how amazing you have it

Honesty must be r ipe

First and foremost, if you have found somebody you love and who loves you back - you are one of the lucky ones. Don?t get caught up in the technicalities straight away. If you have found somebody, a rarity, that compliments your every aspiration, make this the priority.

?Rather than love, than money, than fame, give me truth.? - Henry David Thoreau

The intricacies can be mapped out as you explore your new world. Communicate daily Whenever possible - strive to talk everyday. We have never been in a better position to indulge in a long distance relationship. The Internet has really changed the world we live in for the better. It means distances aren?t dictated by their physical truths. Today, I can sit at a computer and talk face to face with Jamie in real time. I can send free text messages through email. I can instantly send photographs and videos. I can map out a virtual photo-album. With a click, I can book a last minute flight in seconds. And this is just the beginning. With inventions like 3D printing and

If you?re going to survive this kind of relationship, this quote should be your mantra. You have to be honest with each other. You have to make every effort not to waste each other?s time in this one short life. This is a huge dedication; this isn?t just some weekend fling. It is going to take sacrifice on many levels. You will need to readjust how you spend your time - you?ll spend hundreds of hours, if not thousands, on flights, you?ll miss nights out with friends, you?ll miss family occasions and you?ll probably take off a few years from your life, as a result of all the stresses that go hand-in-hand (though, this isn?t bound just to long distance relationships, of course!) See the adventure in ever ything When Jamie first left, I said good-bye at the airport, not knowing what the future would hold. How amazing is possibility? Really, think about it everything can happen.

Relationships | 25

Credit: Pexels/Oleksandr Pidvalnyi

On this occasion, I was flying out from Heathrow toward a land that much of my childhood heroes were from. Like many others, I have been raised on a plethora of American culture, from films to books to music. To the traveler, the ?everyday mundane?is magical. Landing at the Newark airport amongst a million lit homes at midnight, passing strangers with accents so familiar, and rolling a quarter into an airport pay-phon. K now your tr aits: demons and angels Be honest with each other, and be honest with yourself. This kind of relationship will test your nature and temperament. You?ll have all the usual issues; only they will be magnified. You may go a little crazy over-thinking situations; I know I have. Alone, at night, thoughts stab in the dark. You are a few thousand miles away and in a different time zone. Your lover is living in a different day.

You have to overcome these demons.

Make your togetherness the priority.

The best way to do this is to draw strength from them. Rectify feelings of jealousy by making an even bigger attempt to be together. Use your unyielding conviction to overcome all of your obstacles. Counterbalance each demon with an angel.

M ake the big decisions.

Tr avel The most important thing for me has been having a date in mind to look forward to when I know that I will be seeing her again. It doesn?t matter if it?s eight months down the line? you?ll know it is eight months down the line. It?s expensive, but it?s the adventure once again. The adventure begins when you are sitting at your desk or wherever you earn your bread, when your mind is focused on the prize at the end of the line, when you are saving. Each step makes the next step more worthwhile.

If you are coming to the point whereby you want to make the next leap, it?s time to make the big decisions. Who is willing to move where? Will you both move somewhere new? When can you realistically be together? Are there children involved? What of work? What of money? What of marriage? These practicalities seem like hefty casualties of the free-living adventure, but I assure you they are not. They are all part of the process of excitement. Be on top of things. Be creative. Decorate roadblocks. I wish you all the luck you deserve in your own worldwide adventure!



WHO?S ANEXPATANYWAY? An expatriate in the traditional sense will not be living outside of their native country for long. An employee sent abroad for a short period of time is expected to return home once the typical expat assignment is complete.


Expatriate's nature | 27

Nowadays the term ?expat?is used in a much broader sense as more and more people decide to live and work abroad irrespective of their employer, explains Malte Zeeck, Founder of InterNations, the largest networking platform for expats across the globe. The foreign assignee and expat spouse are just two of many ?expat types?, says Zeeck, with other expat types including romantics moving for love, students staying on for jobs and globetrotters enjoying extended travels. While there is a temporal aspect associated with expats, InterNations has noticed a trend in expats staying put. ?One in four expatriates even considers staying abroad forever,? he says. However, an immigrant is the correct term for a person who has come to a different country in order to live there permanently. Is it then a question of intent? The immigrant intends to become a citizen of their new country while the expat makes the decision accidentally? Credit: Unsplash/Jezael Melgoza

The line between immigr ants, migr ants and expatr iates The United Nations defines a migrant as anyone ?who moves to a country other than that of his or her usual residence for a period of at least a year?. According to Director of Migrant Voice, Nazek Ramadan, this includes anybody moving to another country to work, study, be with family, explore the world, or because they are fleeing home. In a blog for the Wall Street Journal, Christopher DeWolf explains how often the term ?expat?is reserved exclusively for white people working abroad, while Africans,

Asians and Arabs are dubbed migrants or immigrants. DeWolf describes how those arriving in Hong Kong are either deemed expats, immigrants or migrant workers depending on their social class, country of origin or economic status. He speculates how the term ?expat?has more to do with privilege and is reserved for those with western roots. Ramadan expands on this by saying, ?The term ?migrant?? which should be a neutral term ? has increasingly become perceived to be negative.

"THE TERM ?MIGRANT?? WHICH SHOULD BE A NEUTRAL TERM ? HAS INCREASINGLY BECOME PERCEIVED TO BE NEGATIVE." ?This has led to different terms being used to describe the same action of migration, so that there are different values placed on these terms; where ?expat?is seen as something more valuable, privileged and positive than a ?migrant?, implying that some people have more right to live abroad than others.? While the word ?expat?does not exist in the German language, immigration and labour laws still differentiate between skilled and unskilled migrants and privileges those from countries with which Germany has entered in political or economic unions, explains Zeeck. ?Just calling everyone who lives abroad ?expat? won?t change some political and socio-economic realities,? he says.


28 | Language


Things To Know when you ar el ear ning a l anguage

BY ANNE MERRITT SOURCE: THE TELEGRAPH MAKEREALISTIC, SPECIFICGOALS You have decided to learn another language. Now what? On our recent live chat our panellists first piece of advice was to ask yourself: what do you want to achieve and by when? Donavan Whyte, vice president of enterprise and education at Rosetta Stone, says: ?Language learning is best when broken down into manageable goals that are achievable over a few months. This is far more motivating and realistic.? You might be feeling wildly optimistic when you start but aiming to be fluent is not necessarily the best idea. Phil McGowan, director at Verbmaps, recommends making these goals tangible and specific: ?Why not set yourself a target of being able to read a newspaper article in the target language without having to look up any words in the dictionary??

REMINDYOURSELF WHY YOUARELEARNING It might sound obvious, but recognising exactly why you want to learn a language is really important. Alex Rawlings, a language teacher now learning his 13th language, says: ?Motivation is usually the first thing to go, especially among students who are teaching themselves.? To keep the momentum going he suggests writing down 10 reasons you are learning a language and sticking it to the front of the file you are using: ?I turn to these in times of self-doubt.?

Focus on exact ly what you want t o l ear n Often the discussion around how to learn a language slides WWW.EXPATSWORLD.COM

into a debate about so-called traditional v tech approaches. Rather it should be how can we assemble the necessary elements of language for a particular objective, present them in a user-friendly way, and provide a means for students to understand those elements.? When signing up to a particular method or approach, think about the substance behind the style or technology. The learning takes place inside you rather that outside, regardless of whether it?s a computer or book or a teacher in front of you.

Read f or pl easur e For many of our panellists, reading was not only great for making progress, but one of the most rewarding aspects of the learning experience. Alex Rawlings explains that reading for pleasure ?exposes you to all sorts of vocabulary that you won?t find in day-to-day life, and normalises otherwise baffling and complicated grammatical structures. The first book you ever finish in a foreign languages is a monumental achievement that you?ll remember for a long time.?

Lear n vocabul ar y in cont ext Memorising lists of vocabulary can be challenging, not to mention potentially dull. Ed Cooke, co-founder and chief executive of Memrise, believes that association is key to retaining new words: ?A great way to build vocabulary is to make sure the lists you?re learning come from situations or texts that you have experienced yourself, so that the content is always relevant and connects to background experience.?

Language | 29

Ignor et he myt hs: age is j ust a number You are a monolingual adult: have you missed the language boat? Ralby argues ?a key language myth is that it?s harder as an adult?. Adults and children may learn in different ways but that shouldn?t deter you from committing to learning another language. ?Languages are simultaneously organic and systematic. As children we learn languages organically and instinctively; as adults we can learn them systematically.? If you?re still not convinced of your chances, Ralby suggests drawing inspiration from early philologists and founders of linguistics who ?learned dozens of languages to encyclopaedic levels as adults?.

Don?t under est imat e t he impor t ance of t r ansl at ion Different approaches may be necessary at different stages of the learning process. Once you have reached a certain level of proficiency and can say quite a bit, fairly accurately, Rebecca Braun, senior lecturer in German studies at Lancaster University, says it is typical to feel a slowing down in progress. ?Translation,? she says, ?is such an important exercise for helping you get over a certain

plateau that you will reach as a language learner ... Translation exercises don?t allow you to paraphrase and force the learner on to the next level.?.

Bewar eof f l uency Many of the panellists were cautious of the F-word. Hammes argues not only is it difficult to define what fluency is, but ?as a goal it is so much bigger than it deserves to be. Language learning never stops because it?s culture learning, personal growth and endless improvement. I believe that this is where learners go wrong?.

Go t o wher et he l anguage is spoken It may not be an option for everyone but Braun reminds us that ?if you are serious about learning the language and getting direct pleasure from what you have learned, you need to go to where that language is spoken?. Travel and living abroad can complement learning in the classroom: ?The books and verb charts may be the easiest way to ensure you expose yourself to the language at home, but the people and the culture will far outclass them once you get to the country where your language is spoken.?

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30 | Statistics

10 Count r ies Wit h By Oishimaya Sen Nag Sour ce: Wor l d At l as

Credit: Pexels/NastyaSensei Sens

India, Russia, and Mexico are close contenders for having the most former residents dwelling in foreign lands today.

10. Tur key - 4,300,000 Turkey has traditionally been regarded as a country of emigration because of the large numbers of Turkish nationals who have emigrated from Turkey to countries in Western Europe, especially West Germany before the fall of the Eastern Bloc. Most of the Turkish emigration in recent years has involved ethnic Kurds, who have fled their homeland as a consequence of the rising violence in efforts to suppress the Kurdish movement for a separate state. According to recent statistics, there are about 3.6 million Turkish nationals living abroad today, with 3.2 million of them currently living in European countries.

9. Phil l ipines - 4,300,000 The Philippines, an archipelago of around 7,000 islands and a country with a culturally diverse population, has supplied a large number of skilled and unskilled workers to the global workforce in over 200 other countries around the world. According to 2004 statistics, nearly 10% of the 8.1 million population of Philipines, i.e., about 85 million Filipinos, were working in countries abroad. A 2005 film, ?La Visa Loca?captured a Filipino?s dream to access a U.S Visa, and with it achieve goals of having a better life abroad. However, besides the U.S.A, large numbers of Filipinos also emigrate to the Middle East, Asia, Europe, Oceania and Africa in the pursuit of their dreams.

done. According to the latest estimates, 641,000 immigrant workers arrived to Britain in 2014, a figure higher than the number of 526,000 in 2013. At the same time, 323,000 people emigrated from the United Kingdom to other countries in 2014. Besides work, a large section of the United Kingdom?s emigrants also have left the country to resettle in their respective familes' traditional homeland countries in Europe and elsewhere.

8. Unit ed Kingdom- 4,700,000

7. Pakist an - 4,700,000

Experts in the United Kingdom believe that Britain is close to suffering a ?brain-drain?, with a large number of skilled workers emigrating to countries abroad in search of better job opportunities. This is causing the country?s employers to rely on a rising immigrant population themselves to get the job WWW.EXPATSWORLD.COM

Pakistan?s emigrant figure is skyrocketing, with 4,700,000 Pakistanis living and working abroad in a large number of countries, such as the nations of the Middle East, the United Kingdom and other European countries, the U.S.A, and Canada. Most asylum seekers from Pakistan seek refuge in European

Statistics | 31

TheMost Emigr ant s Liv ing Abr oad

countries, supposedly because of chances of a more positive response from these nations. According to an Islamabad based poll, 27% of all Pakistanis are ready to leave their country in order to settle abroad. Most of these emigrants are leaving their motherland in search of better work and lifestyle opportunities. However, the growing incidence of violence and terrorist activities in the nation is also contributing to a rise in emigration of Pakistanis from their country.

6. Bangl adesh - 5,400,000 Since the 1980s, Bangladesh has witnessed large scale emigration from the country to countries abroad. This is especially of Bengali movements into the GCC (Gulf Cooperation Council) countries of Saudi Arabia and the United Arab Emirates, who, like Bangladesh, are predominately Muslim, yet, unlike

Bangladesh, have a greater wealth of job opportunities. According to official data, 5 million Bangladeshis migrated to the GCC states between 1976 and 2009 in search of jobs. In the 1990s, labor migration from Bangladesh started expanding to include other countries, like other Southeast Asian nations, Japan, and a few African countries. Among these, Malaysia received the largest number, with 698,736 Bangladeshi workers arriving between 1976 and 2009. Emigration from Bangladesh continues to this date in large numbers, with about 5,400,000 Bangladeshis living outside their homeland as per current statistics.

5. Ukr aine- 6,600,000 War and economic problems have led to the migration of a large number of Ukrainians to WWW.EXPATSWORLD.COM

32 | Statistics

countries abroad in search of peace and prosperity. Around 1.2 million Ukrainians have been displaced within the country and about 777,355 have sought asylum in countries such as neighboring Russia in light of recent events. This accounts for about 4.4% of the total population of the country. It is estimated that currently 6,600,000 Ukrainians are living abroad, away from their homelands and instead scattered across the different regions of the world.

4. China - 8,300,000 Mass emigration from China occurred in the period between the start of the 19th Century and 1949, as a result of wars, food crises, foreign invasions, and political corruption. Most of the emigrants during this period involved unskilled laborers, who left their homeland for countries in the Americas, Southeast Asian countries, South Africa, and Australia. Even though China?s strict controls in the past attempted to prevent large scale migration of Chinese into foreign lands, scientists and students from this country had to be allowed to attend conferences worldwide to allow for the continued exchange of education and scientific information among the nations. Thus, in 1983, Chinese emigration restrictions were eased, allowing the emigration of large numbers of Chinese students and scientific personnel into countries abroad. Growing contact with the industrialized nations also led to the export of labor from China to these lands, which continues to this day.

3. Russia - 11,100,000 According to a recent Reuters report, Russia is experiencing a major ?brain-drain?issue, seeing the emigration of Russians being five times more common as of now than in the early 2000s. It is claimed that this rise in emigration is mostly due to the migrant population's demand for a better life, greater political freedom, and a more stable economic situation. According to official data, 186,382 Russians left the country in 2013, which is significantly higher than the figure of 122,751 in 2012. Although these are official figures, some theorize that the actual numbers could be much higher still.


2. India - 11,400,000 India?s situation of emigration is an extremely complex one, and so is its large and extremely diverse population. Indians have migrated to all corners of the globe since the 19th Century, and established their own ethnic communities in all of the continents of the world, as well as on islands in the Pacific and Atlantic Oceans. A major emigration wave occurred in India during the British rule there, when Indian laborers were transported to British colonies abroad to serve various positions demanding unskilled labor. After India?s Independence, a large number of unskilled, skilled, and professional workers alike from India migrated to the United Kingdom. In more recent years, a significant number of Indian students (153,000 in 2007) have emigrated to nations with more developed economies for their education. With the growth in India?s Information Technology (IT) industrial sector and a booming growth of IT professionals, many of them have emigrated abroad to work in multinational corporations. Today, a staggering figure of around 11,400,000 Indians are living abroad, most serving in various professional, skilled, and unskilled work positions in foreign lands.

1. Mex ico - 11,900,000 Mexico?s emigration problem is a unique one, with more than 98% of all Mexican migrants living in the U.S.A, the country with which Mexico shares a border that runs 1,933 miles in length. The Mexican emigration rate increased substantially since the 1960s and, with more than 11% of Mexicans living abroad, Mexico is the country with the largest number of emigrants in the world. Besides the U.S.A, Mexican emigrant populations have also settled in other English-dominant countries, such as Canada and the United Kingdom, as well as certain Latin American countries to their south. There are also reports of significant numbers of Mexican laborers migrating to the Ukraine and Saudi Arabia to work in the oil and construction industries there.


34 | Taxes



The following is not legal advice. Contact a tax attorney and international CPA should you have specific questions. While traveling, many of us have encountered expats living abroad who inspire us to consider packing our bags and doing the same. Beyond the usual concerns that come from making this choice ? like finding a place to live, figuring out the visa requirements you?ll need to stay there or wondering what might happen if you ever got locked up abroad? is the most daunting question of them all: What about paying Uncle Sam? Contrary to popular belief, moving to the Caribbean will not relieve you of your tax obligations ? the IRS will track you down no matter where in the world you go. When I moved to Mongolia three years ago to work as a foreign registered attorney, I opened a local bank account. There was no welcome bonus for being a new account holder; in fact, I was greeted with a stack of forms. Even in Ulaanbaatar, the tax man is on the prowl. So what should you do if you want to live overseas and limit your tax liability while remaining in the good graces of the US government? While each case is different, here are some starter tips in case you are thinking of making the jump from the cubicle to the Cayman Islands any time soon.


Step 1: Under stand the Foreign Ear ned I ncome Exclusion In general, US citizens and resident aliens are subject to federal income tax on worldwide income. The Foreign Earned Income Exclusion (FEIE) allows qualified taxpayers to exclude from taxable income up to $101,300 of earned income subject to two requirements (more on that in the next step). It is important to note that the income must be earned from working, either as an employee or as an independent contractor, and does not apply to passive income such as interest, dividends, pensions or rental income. Also, independent contractors receiving a 1099-MISC might still be subject to self employment tax (Social Security and Medicare) on their net income. This can be optimized by opening an S Corp or other potential offshore structures depending on the person?s individual tax situation. Step 2: Under stand the FEI E requirements Requirement #1: You must establish a ?tax home? in a foreign country or in several countries. How does one do this? See Step 3, below.

Taxes | 35



Credit: Pexels/Acharaporn Kamornboonyarush

#2: You will need to satisfy either the ?Bona Fide Residence Test? or the ?Physical Presence Test.? See Step 4, below. Step 3: Have a Fire Sale The easiest way to meet the ?Tax Home? requirement is to cut ties with the US. This means giving up your apartment, selling your car or canceling the lease for your office, all with documentation that shows your intent to leave. Step 4: Get Out? The official IRS site describes the often cumbersome process of fulfilling the requirements for theBona Fide Residence Testas follows: You must be a bona fide resident of a foreign country (or countries) for an uninterrupted period that includes an entire tax year. What this really means is that you will need to plant your flag in another place for most of the year. While you do not necessarily have to stick to one country like the confines of a jail cell, you will need to prove your intention to be there full-time. This is not very black and white, but some examples of proving your residency include:

"IT IS IMPORTANT TO NOTE THAT THE INCOME MUST BE EARNED FROM WORKING, EITHER AS AN EMPLOYEE OR AS AN INDEPENDENT CONTRACTOR, AND DOES NOT APPLY TO PASSIVE INCOME SUCH AS INTEREST, DIVIDENDS, PENSIONS OR RENTAL INCOME." - Establishment of a temporary home in a foreign country for an indefinite period (ie. by having a long term lease or owning a home there). - General assimilation; participation in communities on the social and cultural level. So go ahead and get that library card and gym membership. - Physical presence in the foreign country, meaning that you do have to be living there. - Marital status and residence of the family - if you have a local spouse or family members there, it helps. - Assumption of economic burdens and payment of local taxes. - Other documentation such as health insurance, local bank account info or a drivers license.


36 | Taxes

Step 5: ... And Stay Out Have a craving for Jimmy John's? Miss the convenience of Costco? Giving in to the temptation of coming home for a taste of home may literally end up costing you thousands of dollars. Like qualifying for status on an airline or hotel chain, the rules for complying with the Physical Presence Test are very strict. To begin with, an individual must be in another country for 330 out of 365 days, though this does not have to be within a calendar year as the tax exemption can be prorated like I explained above.



This requirement is not satisfied, however, if an individual is in international waters, flying over US airspace or is otherwise in the US unexpectedly. If you are visiting the US and have to stay an extra hour because your flight is delayed or if you miss your plane because you overslept, that will count toward your allotment of days. Similarly, if you leave the West Coast at 11:00pm bound for Europe, you will be charged an additional day because you are still within the jurisdiction of the US. It is always important to leave a few buffer days, as it could be a costly mistake otherwise. Bottom L ine That's It? Yes, in a ( coco )nut shell, that is it. If you want the tax break, all you have to do is abandon everything you own, book a flight and never return, or at least not that much anyway. Now, the only thing left to decide is where you want to go.


38 | Famous expats

VINCENT VAN GOGH AN ARTIST OF EXCEPTIONAL TALENT SOURCE: BIOGRAPHY ONLINE VAN GOGH IS NOW ONE OF THE MOST WELL-KNOWN POST-IMPRESSIONIST PAINTERS WHO DEVELOPED HIS OWN INSTINCTIVE, SPONTANEOUS STYLE. VAN GOGH BECAME ONE OF THE MOST CELEBRATED ARTISTS OF THE TWENTIETH CENTURY AND PLAYED A KEY ROLE IN THE DEVELOPMENT OF MODERN ART, He was born in Groot-Zundert, a small town in Holland in March 1853. His father was a Protestant pastor and he had three uncles who were art dealers. His early life seems generally to be unhappy, after a period of working in his uncle?s art dealership, he became frustrated and so became a Protestant

minister. He became a preacher in the poor agricultural districts of Brabant. He empathised with the poverty of the inhabitants and began to share their poverty and rough living conditions. Despite trying to live according to the gospel message of poverty, the church authorities were displeased that Van Gogh

Credit: artchive.com

"When I have a terrible need of ? shall I say the word ? religion. Then I go out and paint the stars." ? Vincent Van Gogh Th e Starry Night Vincent van Gogh, 1889


Famous expats | 39

"In 1888, Van Gogh moved to Provence in southern France, where he painted his famous series 'Sunflowers'." Fif t een Su n f low er s in a Vase Vincent van Gogh, 1888 Credit: artchive.com


40 | Famous expats

Wh eat Field Un der Th r eat en in g Sk ies Vincent van Gogh, 1890 Credit: artchive.com

seemed to be undermining the ?dignity of the priesthood.?He was relieved of his post and Van Gogh turned to art. Despite always disliking any formal training, he studied art in both Brussels and Paris. He began painting seriously, and in Paris was influenced by the new impressionist painters: Monet, Renoir and others. Financially helped by his close brother Theo, Van Gogh later travelled to Arles in the south of France, where he continued his painting ? often outside ? another feature of the impressionist movement. In Arles, he had a brief, if unsuccessful, period of time with the artist Gauguin. Van Gogh?s intensity and mental imbalance made him difficult to live with. At the end of the two weeks, Van Gogh approached Gauguin with a razor blade. Gauguin fled back to Paris, and Van Gogh later cut off the lower part of his ear with the blade. Young Vincent moved to London, not out of choice but out of duty, in May 1873 to work for international art dealer Goupil & Cie in Covent Garden. In his early twenties, he was still a few years off deciding to become an artist. He sketched here, but not as much as he read and walked, and in fact, as he noted in one letter, his interest in drawing ?died down? in England.


This action was symptomatic of his increasing mental imbalance. He was later committed to a lunatic asylum where he would spend time on and off until his death in 1890. At the best of times, Van Gogh had an emotional intensity that flipped between madness and genius. It was during these last two years of his life that Van Gogh was at his most productive as a painter. He developed a style of painting that was quick and rapid ? leaving no time for contemplation and thought. He painted with quick movements of the brush and drew increasingly avant-garde style shapes ? foreshadowing modern art and its abstract style. He felt an overwhelming need and desire to paint. The work is an absolute necessity for me. I can?t put it off, I don?t care for anything but the work; that is to say, the pleasure in something else ceases at once and I become melancholy when I can?t go on with my work. Then I feel like a weaver who sees that his threads are tangled, and the pattern he had on the loom is gone to hell, and all his thought and exertion is lost. In 1890, a series of bad news affected hismental equilibrium and one day in July, whilst painting, he shot himself in the chest. He died two days later from his wound.

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42 | Identity


People who we describe as ?idea people? most closely fit into the category of the ENTP in the Myers-Briggs Personality test. They are very quick to learn anything that captures their interest, making them very flexible. They thrive on absorbing as many ideas as possible and to be constantly exposed to hard challenges to be solved. Routine ways of doing things bore them, making it hard for them to do jobs that are very repetitive. Planning tends to be an uncomfortable chore for them as well, because when an idea makes them excited, they want to jump on it as quickly as possible. Unfortunately, what the world really needs is not ideas, but the right execution of an idea. There is an abundance of ideas out there in the world, but there is only a limited number of people who are excellent at execution. Nonetheless, I believe that there is a place in the world for idea people. Radical innovation requires radical ideas, and we are the people most suitable to coming up with these WWW.EXPATSWORLD.COM

ideas. Let?s now look at some strategies we can employ in order to thrive as an idea person. Be aware of the limitations of your per sonality I have already mentioned many of the limitations that define our personality type. However, I would recommend you to do some more reading on it as there is an incredible amount of information about the

ENTP personality type on the web and in book format. Not only do we need to make ourselves consciously aware of these limitations, but we also need to ensure that we observe ourselves closely in terms of whether with what we do we are falling into the traps or not. So for instance, when you discard one of your projects, always ask yourself first whether it is because the project really isn?t viable, or whether it is

Identity | 43

chunk of the work depends on the generation of new and innovative campaigns could be an example for a position in which people like us could thrive. Sur round your self with people that complement your per sonality Naturally, idea people are thought of as the idea people for working in the start-up environment. They are the one?s who are expected to generate that next, big idea. However, if we are not able to execute on these ideas, then all is for nothing. As a result it is of crucial importance that we surround ourselves with people that complement our capacity to generate ideas. For instance, we have a strong need for somebody who has a strength in formulating a clear and specific plan and then executing on that plan. We also have a need for somebody who is going to bring us back to the real world when we are in our visionary state, and who can help us to transform our raw ideas into real, applicable one?s. Find the r ight size for your proj ects

Being in an environment where we can not fulfill our desire to solve difficult problems by generating innovative ideas will inevitable frustrate us.

Different jobs may work in completely different time-frames. For instance, a copywriter might write a single piece of copy and then be done with it. Building a start-up, however, may require years and years of time. Since the tendency of idea people is to dislike spending long periods of time on the execution, they need to be particularly aware of what the ideal time-frame is they operate in.

So for instance, if we are in a job where our employer expects us to follow very narrowly-defined rules, then this will certainly put us off. Therefore, what we need to ensure is that our workspace is an environment where unconventional ways of doing things are encouraged, and where there is a certain degree of openness in terms of embracing radically new ideas. For instance, working in an advertising agency where a large

For me personally, I found out that writing is actually an excellent choice as an activity in which I can thrive. I found out that writing short books of around 100 to 150 pages suits me perfectly, as it takes about three months or so of writing, and then an additional two months of editing. That is exactly the time-frame in which I can operate without getting so impatient that I immediately want to discard the project. If, however, I wanted to

Credit: Rawpixel

because of your laziness to execute. M ake sure you are in the r ight environment

write a biography of 400 or 500 pages or so requiring years and years of research, then I believe that sooner or later I will certainly have to fight my inner demons that tell me to move on to something new and better. L imit your self to gener ating ideas within the constr aints of your cur rent proj ect Sure, you can not altogether avoid coming up with new ideas. However, try to focus your conscious attention on generating ideas that relate to the project you are currently working on. For me personally I have noticed that if I do not control myself, I will come up with lots of ideas for different books, while I should actually focus on coming up with ideas that relate to the content for the book I am currently working on.

" THERE IS AN ABUNDANCE OF IDEAS OUT THERE IN THE WORLD, BUT THERE IS ONLY A LIMITED NUMBER OF PEOPLE WHO ARE EXCELLENT AT EXECUTION." Make sure that you are constantly aware of your thoughts, and that you catch yourself when you are drifting off to coming up with unrelated ideas. Of course, sometimes letting your mind wander in order to generate new and unrelated ideas is important, too. But always make sure that you are doing so when the time is right for it (e.g. when you just finished one project and now it?s time to come up with an idea for another project). Lastly, I would like to encourage you once again to think about the limitations of your personality, and to think about how you can change the environment you are in with the goal of making it more suitable for you. Also, I would love to hear your own thoughts for how to succeed as an idea person.


44 | InBusiness



Moving to another country with children can be a stressful experience. It involves great amount of research, decision making and planning. One of the first steps families make when moving abroad is looking for a new school for their children which can be in itself an overwhelming task. Doing some thorough ?homework? however, will reduce the level of anxiety and prepare for a smooth and successful transition.

Th in k abou t t h e t ype of exper ien ce you w an t f or you an d you r ch ildr en . Do you want total language and cultural immersion? Do you prefer your children to continue with their current school program? Do you want an engaged school community or do you prefer not to get too much involved? Having a clear picture of the type of experience you want for your family makes it easier when looking for a school that will best fit your needs. We encourage parents to make a list of what is important for them and their children when it comes to choosing a school. This is a good way to avoid making decisions based on impressive school features that are not on your list. Bef or e m eet in g w it h t h e adm ission s depar t m en t We recommend that parents prepare their visits and make sure they bring their check list with them. Now is the time to ask all the questions they may have. They can request to visit a classroom or specific facilities of interest, ask what student success looks like for the school and see if they share similar points of view, enquire about the school mission and how it is lived and achieved. Parents shouldn?t be afraid to ask those questions which will help them make an important decision about their international move. Be pr epar ed t o an sw er adm ission s of f icer s?qu est ion s Tell us about your child. What sort of learning environment best fits your child?s needs? What are his/her favorite activities? What are his/her favorite subjects? What are your child?s strengths? Where does your child struggle? What are your expectations regarding your experience abroad and the school? Children?s education should be an active partnership between both home and school, therefore it is important that both families and education centers work together towards the same goals. Trust, transparency and effective communication are vital to a student?s success. Con t act Ben jam in Fr an k lin In t er n at ion al Sch ool: Ph on e: +34 93 434 2380 Em ail: charor@bfischool.org Web: www.bfischool.org

InBusiness | 45

U.S. Citizens Tax Specialists Founded in the sixties by John G. Kearins, an Attorney and Certified Public Accountant, U.S Tax Consultants was originally created to prepare U.S Individual and Corporate taxes in Spain. Since 2011, they continue their work under the umbrella of NML Consultores. The company distinguishes themselves by the quality of their services, the direct and personal treatment with their clients and the ability to offer fast and effective solutions. Wh at ser vices do you of f er ? We offer individual and corporate Spanish and US fiscal consultancy services with our largest service being the preparation of US Tax Returns for expats living in Spain and fiscal obligations of US residents in Spain. We understand the requirements of both countries and prepare Individual US Tax Returns for expats globally.


Ou r goal NML has opted for a ?Paperless Office?. P.O is our commitment to link environment commitment with the correct use of ICT and our goal is to work together with our customers electronically, to have all the information and resources necessary to perform our work without paper. Contact us or schedule your appointment via the company website.

Con t act U.S. Tax Con su lt an t s: Ph on e: +34 915 194 392 Em ail: info@ustaxconsultants.net Web: www.ustaxconsultants.net

Live Like a Local in Spain Founded by Nino Gonzรกlez-Aller in 2010, Homestays in Spain is an exchange programme which allows English Speakers to live in Spain with local families. Nino has had the opportunity of living and studying in many countries including the United States and Belgium, and has a huge passion for cultural exchanges and languages, which he can speak four of fluently. Wh y sh ou ld people exper ien ce t h is oppor t u n it y? Well, you?ll be able to take Spanish lessons, visit the city during the week, and even travel the weekends ? this is totally up to you. Wh at ar e t h e ben ef it s of a h om est ay exch an ge pr ogr am m e? You?ll have a chance to live in Spain for a few weeks or months and enjoy the Spanish lifestyle at its fullest! In exchange all you need to do is engage in conversational English for TWO hours every evening from Mon-Thurs with the host family and you get full board and free accommodation. Families can?t wait to host English speakers so they can improve their English.

Con t act Hom est ays in Spain : Ph on e: +34 630 138 129 Em ail: homestaysinspain@gmail.com Web: www.homestaysinspain.com


46 | 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

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48 | Passport facts




immediate family are deceased, note that in the list too. Even if you?re long past underage and have been living independently for a while, many embassies are still interested in your parental information.

10 tips below might seem quite complicated. Well, it's a bit like that. But despite everything, it?s still possible to get visas under tight circumstances.

Also take note that you may need to include significant others if you?re legally married or count as a civil union or ?De Facto? (depending on your local laws).

1. Prepare a list of every international trip taken in the last 10 years; update regularly.

3. Triple-check information for your passport country and visas at least three months in advance.

This is necessary for visa applications to places like the UK, and if you?re planning on permanent residency or citizenship anywhere it also tends to be a core requirement. Often this means poring through pages of passport stamps and visas, but once you have a starter list upkeep will be a lot easier. Include dates (departure and return), country, and reasons for travel ? dates need not be exact, but try to come as close as possible. If you?re a migrant like me, you may have multiple countries that count as ?local? or ?home?; on the safe side, count every trip that involves a border crossing. 2. Create a list of the official names, dates of birth, and locations of your parents, partners, and siblings. Another common visa requirement. If any of your WWW.EXPATSWORLD.COM

A lot of information on travel sites about visas ? especially in countries where you?re a recent migrant ? tend to be geared towards people with first-world passports, where visa requirements are minimal. Often, our passports are classed as ?high risk,? which means more stringent requirements and checks and longer processing. Three months is a good length of time to give, even if it?s not specifically stated that you apply this early. 4. Check the timing of your visa applications carefully, especially when considering a multi-country trip. Some time ago, I was on a round-the-world trip that involved obtaining visas for the Schengen countries, Switzerland (not on the Schengen system), and Japan. The Schengens and Switzerland required

Passport facts | 49

quite a bit of lead time, but Japan issued visas within 24 hours that were valid immediately. However, Japanese visas are valid for entry for a relatively short amount of time, and I wasn?t going to be there till a third of the way through my trip. I had to make sure I received my Japan visa just in time so I could arrive in country with the visa still being valid. 5. Consider having an extra $1,000 or so in your bank account before you apply for a visa. One of the main reasons many countries are so harsh on people with less powerful passports is because they assume holders want to immigrate illegally and find illicit jobs. Therefore, a common requirement for visas is to demonstrate you are ?financially able.? What I?ve done in the past for trips where I needed to get the visa way in advance and hadn?t saved up my travel cash yet was to have a friend loan me money through a bank transfer. Then I printed and sent those bank statements to the visa office.

holiday in London. 7. Take note of your citizenship/passport country/nationality, your country of permanent residence, and your country of current residence. These three things could be the same, or they could be wildly different. For instance, I?m on a Bangladesh passport, with Malaysian permanent residency, currently living in Australia. You?ll usually have specific IDs that designate your status for each country (especially if you hold dual residencies or citizenships). Some countries may have different requirements for applying and being eligible for visas depending not just on your nationality but also your country of permanent residence ? i.e., Taiwan only allows Bangladesh passport holders to come to Taiwan on

You may also need to provide a financial sponsor ? I?ve had my parents write letters and provide bank statements in support, even though they didn?t necessarily fund my trip. 6. Be aware that a lot of visa options, such as working holiday visas, may not be open to you. Schemes like working holidays are set up by special agreement between countries, and unfortunately countries like ours don?t tend to figure in such agreements very often.

Credit: Rawpixel

Things change with time, and hopefully options will be made more available, but be sure to look at the current rules before you sign up for that program that sends you to teach English in Asia or go on a working

sponsored business trips, so I couldn?t go and visit my friend for fun. But if I were an Australian permanent resident, I might qualify for special consideration. WWW.EXPATSWORLD.COM

50 | Passport facts

Again, this is a very complicated area, and it can be unfair but nevertheless true that living in a country for a while might not make much of a difference to your visas. Check your information carefully. 8. Get your flights and accommodation sorted BEFORE you apply for a visa. It does seem back to front ? what if you don?t get the visa? However, many places will not grant you a visa until you have proof of a return date and a place to stay. 9. Get invitation letters wherever possible. Again, pain in the ass, but what can you do? If you?re travelling to take part in an event, workshop, or conference, get the organiser to write a letter addressed to your local embassy with your full name, passport number, and nationality stating you?ve been invited to their event for a certain date/period. Most places that deal with international participants tend to have letters like these on file.

If you?re visiting friends or family, get them to write a letter, again with your full name and passport number, saying you?re their guest and they?ll be responsible for you and your expenses (they don?t really have to, it just sounds better this way). It?s best if they can get it on official letterhead, and even better if they can have it written not just in English but also in the native language of your country. 10. It?s better to have more paperwork than you need than not enough. Bring anything that seems even vaguely relevant ? invitation letters, proof of your stay in your current country, resumes, university certificates, bank statements, itineraries. My parents have brought prospectuses of their offices. Anything not used will be returned to you, and sometimes you may get lucky (I had all this stuff at the ready for my U.S. visa but hardly needed any of it), but you don?t want to be denied a visa or have it all delayed because you missed a key requirement.

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52 | Working abroad

gl obal t eams t hat

wor k BY JULIE BRIGGS SOURCE: CULTURE WIZARD In today?s ever-evolving workforce, most of us are aware of the benefits that global teams provide. Besides allowing organizations to be competitive by using expertise from around the globe, the ability to work remotely is a valuable perk for employees who enjoy the flexibility of hours and location. However, like most things, global virtual teams have their warts. A piece in this month?s Harvard Business Review details the issues that plague many such teams ? including communication breakdowns, misunderstandings, and the ensuing mistrust between colleagues. The Role of Social Distance To counteract these common global team foibles, Tsedal Neely, an associate professor at the Harvard Business School, has a strategy for managers. It starts with identifying a key difference between global teams that work and ones that do not, social distance. Social distance is the degree of emotional connection between team members. When geographical separation comes into play, emotional connection is harder to establish and maintain, creating a barrier to effective interactions. With this in mind, closing the social distance gap becomes a primary responsibility for the global team manager.


Credit: Rawpixel

Working abroad | 53

To help managers create more engaged and connected global teams, Neely has created the SPLIT framework, which takes into account each aspect of social distance. In this instance, she has identified them as Structure, Process, L anguage, I dentity and Technology:

One way to facilitate better communication (and by extension, more empathy between team members) is to allow five minutes at the beginning of every virtual meeting for ?small talk? and getting to know virtual colleagues.

STRUCTURE AND PERCEPTI ON OF POWER Most simply put, the geographical location with the most team members will be perceived as the central nexus of power. This means that employees located in the primary location are seen to have more influence, especially if leadership is also located on-site. To minimize power imbalance, it is important for leaders to make it clear that everyone?s contributions are important, and make him or herself available to the group?s far-flung members, with frequent check-ins and updates.

L ANGUAGE AND THE FL UENCY GAP When working with international virtual teams, it?s a given that there will be varying levels of fluency with the chosen common language (usually English). Because of this, it is important to minimize power imbalances between team members who are more fluent vs. team members who are less confident with the lingua franca of the workplace. Stronger speakers should be willing to dial down idiomatic language and slang to avoid confusion and miscommunication with less fluent team members. Encourage them to practice active listening and restate their comments in simple terms when needed. If you struggle with participation from less fluent speakers, encourage them to speak by directly asking for their input. Global team leaders can also decrease embarrassment for them by making sure that meetings are a safe place for them to speak and that they can ask for further clarification if they don?t understand something.

PROCESS AND EM PATHY When it comes to leadership, the importance of empathy cannot be overstated. Geographically separated teams lack face-to-face time, making it more difficult to establish personal connections. It is the global team leader?s job to provide regular feedback on team interaction and remind team members that how they communicate is very important to the job getting done on time and effectively.

I DENTI TY AND PERCEPTI ON Different behaviors signify different things in different cultures. One example that Neely provides is how in some cultures, direct eye contact communicates confidence and integrity, but in others can seem rude and hostile. This can lead to misunderstandings, and global leaders must be on the lookout for mixed signals between team members so they can quickly step in and smooth things over. We cover details like this in our CultureWizard Country Profiles. TECHNOL OGY AND CONNECTI ON Setting the expectation for virtual communication ? and reinforcing it frequently is a vital component of running a successful global team. When time zones come into play, this can get a little tricky. Telephone and video conferencing allow instant communication while e-mail and other written forms of communication enforce a wait time. When choosing virtual communication technology for certain tasks, managers are wise to consider both time zones and interpersonal dynamics. The savviest leaders know that messages need to be reinforced multiple times on multiple platforms. Emails can be followed up with phone calls and texts (keeping in mind the time in your recipient?s country), but it?s also important to avoid redundant communication ? with the understanding that team members will follow their leader?s example.


54 | Legal


Which laws apply to expatriates? That?s a very good question, but just about everything regarding expatriates generates a lot of questions. I?m going to get into ?choice-of-law,?which is something that global mobility specialists in your company are or should be aware of. What does choice-of-law mean? A choice-of-law clause is written into the expatriate agreement. It basically defines an expatriate?s legal rights while working overseas. U.S. companies include choice-of-law clauses that call not only for U.S. employee benefits to apply, but also for U.S. labor/employment laws in general to apply. These clauses have been commonly used in the U.S. A company?s main concern is to make sure that expatriates are covered by American-style, at-will employment overseas. ?Employment-at-will? means that a company may fire an employee for any reason at any time (provided the person is not, by law, in a protected class). The U.S. is the only country that has an employment-at-will law. Do choice-of-law clauses wor k? The answer is ?no.? The employment/labor laws of the host country apply even if the expatriate agreement has a clause that states the choice-of-law is the United States. The expatriate almost always enjoys a right at least to the minimum of local protections/benefits of the host


country, regardless of what rights he/she might have signed in the expatriate agreement. Host country employment/labor laws get to the heart of employment: firing, pay, hours, rest breaks, vacation, overtime, safety, wages, labor unions, mandatory benefits, discrimination, non-compete/ trade secrets - and more. Because mandatory termination notice and severance pay laws can be very onerous outside the U.S., this is especially significant with American expatriates. Once an American expatriate?s place of employment becomes a foreign country, that expatriate (regardless of the text in his/her contract) is no longer ruled by U.S. employment-at-will, but enters the safety of a new kind of protection - the ?indefinite employment? law of the host country. I f they don?t wor k, why have they been used? Companies historically have been putting American choice-of-law clause into expatriate agreements even if they are unenforceable. Many times organizations were not aware they were unenforceable. In other

circumstances, companies would include the clause hoping that, if necessary, the terms would be negotiable in the courts of the host country.

"WITHOUT ANY CHOICE-OF-LAW CLAUSE IN AN AGREEMENT, ONLY ONE COUNTRY?S LAWS WILL APPLY - THE LAWS OF THE HOST COUNTRY." Should choice-of-law clauses be in expatr iate agreements? The best practice in drafting expatriate agreements is not to include choice-of-law clauses at all. Without any choice-of-law clause in an agreement, only one country?s laws will apply - the laws of the host country. If your company believes some statement should be provided in the agreement, include the host country choice-of-law. Host country labor/employment laws will be the only ones that will be legally upheld in court.

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56 | Featured city


Featured city | 57


Although in the eyes of foreigners who live in the Polish capital Warsaw is yet to become an international metropolis, it is already regarded as a thriving city which has a lot to offer. What particularly appeals to expatriates is career prospects and a high standard of living. But do they actually feel at home there? Warsaw is a trade and cultural centre, which entices Polish and foreign investors to open up their businesses there. That surely results in a growing number of foreigners coming to live in the city. While Krakรณw is mostly visited by foreign tourists, it is rather an apartment than a hotel that foreign visitors are looking for in Warsaw. We wanted to hear from Warsaw expats themselves what they actually think about the Polish capital. Is it really that easy to fall in love with it? And is it easy to love the city as much as the locals do, even if you are not a Polish citizen? FOREI GNERS I N WARSAW ? WHO ARE THEY? As the capital city, Warsaw naturally attracts the highest number of foreigners of all the Polish cities. According to the City Council?s statistics, there are 22 thousand

foreigners living in Warsaw. It is believed though that the actual number may be even 3 times higher. Every fourth immigrant who live in the Polish capital comes from Ukraine, every eighth and sixteenth one comes from Vietnam and Belarus accordingly. There are also a significant number of Russians and Chinese. When it comes to the EU countries, there are many French, German or British citizens. 56% of those who took part in our survey are expats working in Warsaw. The next 24% of the respondents are students; 17% of the surveyees are self-employed. Every third expat has lived in the capital for more than 3 years while the others live there for a little shorter (26% declare to live in Warsaw for at least a year, 25% less than a year and 7% less than 3 months).

Credit: Unsplash/Kamil Gliwinski


58 | Featured city



a year at the latest.

Why are foreigners moving into Warsaw? First and foremost, they come there because of attractive career prospects ? every third respondent chose Warsaw as the place to work. 23% of the surveyed decided to follow their nearest and dearest who are already studying or working in the Polish capital. What?s interesting, what attracted foreigners to the idea of living in Warsaw was also the cost of living ? the city happens to be one of the cheapest capital cities in Europe.


Every tenth respondent came to Warsaw to study. The others chose to relocate there because of the beauty of the city, nice holiday memories (the latter being true for 10% of the surveyees) or great opportunities (4%). Only a quarter of the respondents moved to the Polish capital because of a friend?s recommendation while as many as 77% chose Warsaw at random, without checking out the city?s reviews. Most expats who took part in our survey declare they like Warsaw so much they don?t think of moving out of the city. Yet every fifth respondent is planning to leave within WWW.EXPATSWORLD.COM

Expats living in the Polish capital value the city?s cultural life and entertainment opportunities ? it?s the biggest advantage of Warsaw according to 37% of the respondents. They also appreciate the relatively low cost of living (28%), well-developed infrastructure and convenient transportation (21%). For every sixth surveyee Warsaw is a fast-developing multicultural city while every tenth likes its friendly inhabitants and atmosphere. L OCAL I NTOL ERANCE Warsaw is already considered to be a multicultural city, but there is still much room for improvement to make non-Polish citizens living in the Polish capital feel at home. What is the biggestdisadvantage according to the respondents is the local people?s conservative, intolerant or even racist attitude towards foreigners. There are even as many as 14% who think there are no open-minded inhabitants in the city.

Featured city | 59

Credit: Pexels/Mircea Iancu


Even though the city opens up international realms of business, education and entertainment, its inhabitants are regarded as conservative and narrow-minded, which makes foreign visitors feel uneasy.

Soon after conservatism and intolerance, there is the issue of air pollution. It actually concerns every large city in Poland and the capital is no exception here. Finally, every seventh respondent thinks that Warsaw is too expensive.

Expats fall in love with the Polish capital anyway ? what particularly appeals to them is reasonable prices, job opportunities and a variety of cultural events. They feel safe in Warsaw in spite of racist incidents. Seems like it?s high time to make them feel even safer.

NO M ORE THAN CHI T-CHAT Expats who live in Warsaw often find it difficult to communicate not only with the locals somewhere in the shop or at the doctor?s, but also when contacting offices, banks or some institutions. It?s a problem for 15% of the respondents. The language barrier might be also the reason why getting a job or making friends is a challenge for foreigners. ON THE ROAD TO EUROPE The survey results show that there is still much to be done for Warsaw to become a truly welcoming European capital.


60 | Expat's personality

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You have a healthy contempt for artificial boundaries

There?s some truth to the saying that good fences make good neighbors: it?s good to know where you stop and the person next to you begins. But a good global citizen knows that these artificial boundaries are, at the end of the day, artificial, and as a result, can easily be torn down when they wear out their use. While this can refer to national borders (some of which are still pretty damn useful), it can also refer to divides between race, class, nationality, gender, sexual orientation, and even to species. Global citizens know that, at our cores, we are


You care about people beyond just those around you Families and friends are wonderful, but a good global citizen recognizes that she sees from where she stands, and that people standing elsewhere are just as valuable as she. Sometimes, it?s hard to really feel this ? it?s much easier to connect with people who are like you, so when someone gets killed who is like you, it may be easier to feel their family?s pain than the mourning relatives of someone else who has been killed on the other side of the world. But a global citizen realizes that just

because she may feel this way doesn?t mean that her grief, joy, or anger are any more or less real than the people on the other side of the world.


You never stop learning

Listening is everything. Reading is everything. Learning is everything. It?s more or less impossible to be born worldly. You have to get there through exploring, through empathizing, and through discovering new things. You read news from all over the place Global citizens are interested in the world, so they read a lot about the world. But most importantly, WWW.EXPATSWORLD.COM

Expat's personality | 61

they read about the world from other perspectives. If you aren?t looking at the world through as many eyes as possible, you?re not seeing it as clearly as possible. Global citizens also recognize that there?s no such thing as an ?unbiased? article; rather, they try to be aware of the article?s bias and keep it in mind when considering what it?s trying to say.

in a place for real, stereotypes and prejudices begin to fall apart.

new experiences under their belt.

45 6 7

You travel.

Travel is essential for getting to know about the world. While you can certainly learn a lot through books, videos, movies, and stories told by others, nothing beats firsthand experience. When you?re

You are open to new things.

Global citizens have trained themselves to pause for a moment before judging something that is unfamiliar or uncomfortable to them. They understand that what may be right for them is not necessarily right for everyone else, and they are willing to give someone else?s culture and lifestyle a chance. This also makes them way more fun to be around ? they?ll usually try anything that isn?t mortally dangerous at least once, and they?ll always be open to putting

You are engaged in politics ? particularly regarding human rights and the environment

You can?t care for the world and not be interested in making it a just, healthy, happy place. Political engagement and debate can be exhausting, difficult, and sometimes even violent, but it ultimately is what changes the world for the better (or for the worse). And it?s easy to find energy for politics when the dignity of your friends on the other side of the globe or the health of the planet you love is at stake.

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Health | 63


Settling overseas is no easy task and organizations often put measures in place to support their expat staff ? however, it seems those efforts might not be enough after a new study pointed to a sharp increase in mental health issues among employees who?ve relocated. Europe saw the highest increase at 33 per cent, followed the Middle East and North Africa at 28 per cent, then the Americas at 26 per cent and finally Southeast Asia at 19 per cent. Dr. Mitesh Patel is the medical director ? he told that while the increase might appear worrying on the surface, it?s actually a positive sign. ?It?s a mixture of us encouraging treatment claims, and mental health issues being more widely accepted, compared with five or 10 years ago,? he explained. ?Everyone knows someone who has or has had mental health issues so admitting to having an issue and seeking treatment is becoming more and more acceptable.? Patel also said many employers are becoming more aware of the issue and increasingly supportive ? something which in turn helps change perceptions. However, he warned that there is still plenty of room for improvement. ?For organizations sending employees on international assignments, they should have a robust screening, pre-trip planning and orientation process in place to make sure employees are suited to ? and geared up for ? the challenges ahead,? he told. ?Stepping off the plane to start a new international assignment should not be the employee?s first exposure to the new culture and environment,? he added. Philadelphia-based Patel says one of the key obstacles for organizations is the fiercely-independent nature of many expats and the common mentality that they can make things work on their own. ?There are natural reactions to the challenges that moving abroad can bring but, expats like to think of themselves as being self-reliant,? explains Patel. ?They don?t like to be a

burden on anyone, which can exacerbate mental health conditions.? Patel says organizations could proactively support their employees by putting them in touch with an expat community or an independent counsell or who can help them through any problems.

"FINDING MEDICAL CARE THAT?S SAFE TO ACCESS CAN BE A CHALLENGE OUTSIDE THE DEVELOPED WORLD." Other key stressors for expats include a lack of friends, not integrating into the culture, being isolated through a language barrier, in conjunction with increased responsibility or new responsibilities at work. ?Build in mental health benefits as standard to any private medical insurance plan and consider gym or social club memberships for employees, as well as access to employee assistance programmes,? advised Patel. ?Families often have greater responsibilities and long-term considerations, which are stress promotors,? he told. ?For example, considering how the children will settle in, adapt to the move, and finding appropriate schools for the children. ?There will also be concerns around a spouse who might need support finding a job or a social circle, particularly if the employee is working long hours to adjust to a new role. Many move abroad for a better quality of life, so providing support will help them achieve that and ultimately help the assignment succeed.?





Statistically speaking, every row of three seats on a commercial aeroplane contains at least one passenger who'd really rather not be there. Their clammy palms grip the armrests on take-off; their eyes search frantically for a reassuring smile from the nearest stewardess; they eschew any of the inflight entertainment system's tense action movies in favour of gentle rom-coms or cartoons about friendly animals.

Practical | 65

Don't avoid flying "We try to make ourselves feel safer by avoiding things," says Bor, "but it doesn't help to deal with your problem. Avoiding flying can inhibit your career if your work involves travel. It can affect relationships: most people want to go on holiday, many of them abroad. And some family events require us to travel.

Credit: Pexels/Oleksandr Pidvalnyi

NG LYING Professor Robert Bor is one of the authors of a book, Overcome Your Fear of Flying, Bor is not only a renowned clinical psychologist; he's also a qualified pilot. He says:"In the 1920s it was a rational fear, because air accident rates were high, mortality rates were high, even the chances of witnessing an air crash were high. In life there's always some kind of risk, but nowadays you have a greater chance of being kicked to death by a donkey than anything happening to you in an air crash. Yet people still

project incidents and apply them to themselves. There have been two serious crashes recently, and people immediately assume there will be more and more and they'll be affected. They overestimate the risk; that fear is now irrational." "The traditional approach to treating fear of flying was to help people understand the statistics, and teach them how aircraft actually fly. But appealing to people's rational side is only helpful for some. The sort of people who go on a one-day fear of flying course hosted by an airline have quite low levels of anxiety; they don't like being on aircraft but don't avoid it. We tend to treat people who are too distressed to fly at all." Bor, whose academic research is complemented by clinical work with sufferers, has some simple hints for anyone dreading their flights this holiday season ? during which he regularly sees a spike in fear of flying.

"You shouldn't avoid it because it's such a treatable problem. Fears and phobias have one of the highest success rates for treatment of any psychological problems. If you're willing to give it a bit of time, you ought to be able to fly comfortably. You may still be gripping the armrests, but at least you'll get to Majorca." Think about the destination, not the j our ney "Focus on the positive reasons for taking your flight," says Bor. "Perhaps you're going on holiday, visiting family or friends or just doing your job well. These all give you a purpose for taking your flight and added motivation to overcome your fear and move forward with your life." Challenge your negative thoughts Not a huge fan of turbulence? Me neither. But, says Bor, "that's where a little bit of education can help. Turbulence arises because of air currents, that's all. People might be alarmed by the sensation and worry about the structural integrity of the aircraft, but technically speaking it's a non-issue.


66 | Practical

"However, turbulence is a 'trigger event'; it switches on people's anxiety. It's uncomfortable, but fearful passengers translate that into danger ? and there's a big difference between discomfort and danger. You might spill your hot coffee, but the plane isn't going to fall apart... It's important to identify such negative thoughts while flying and question them." L ear n relaxation and distr action techniques "When you start having negative feelings during a flight, redirect this energy," advises Bor. "Focus on the external environment: for example, strike up a conversation with a fellow passenger or watch the crew as they go about their duties. Do something which will distract you from the negative thoughts, such as listening to your iPod, reading a book or watching a film. "If you start to feel unsettled, sit back, fix your line of sight on the seat back ahead or something in the distance and breathe deeply in through your nose for five seconds and slowly out of your mouth for five seconds. Your heart rate will decrease almost immediately and within a minute or two, you will start to relax." Stay hydr ated Unfortunately, Bor advises against my method of getting drunk to induce sleep or emotional levity. "People use alcohol, medication, recreational


drugs, but although they may allay some symptoms of fear briefly, they actually tend to intensify the problem. Alcohol has a different effect at altitude and with low humidity. One glass of wine on the plane is equivalent to nearly two on the ground. You get drunk more quickly, but even if you doze off for 20 minutes, your anxiety levels may increase afterwards. So you start to drink more and more to overcome the problem. "Before and during the flight, it's important to keep blood sugar levels up. Stick to water and juices to keep hydrated and remember to eat little and often to maintain your energy, which can help control anxiety levels. Rest if you can, though sleep is not essential." Plan ahead Set yourself achievable goals, says Bor, such as starting with short-haul flights before taking that ambitious trip to the South Pacific. And you should also practice relaxation on the ground. "If you wait until you're in a stressful situation to learn relaxation, it's not as effective. Learn which techniques work for you before flying. You'll then be able to invoke them much more easily when you need them. Remember, you can't just click your fingers and magically never have to worry again. But if you give it time, the chances of overcoming your fears are incredibly high."




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Startups such as WiFi Tribe and Hacker Paradise offer millennials the chance to travel and work remotely from different countries. Here's what you need to know. "If every person in the world could spend a year abroad, the world would be a better place," says Karoli Hindriks. This vision led her to co-found Jobbatical, a platform that connects tech and business workers to temporary jobs abroad, allowing them to travel to a new place while still making an income. Jobbatical is one of a number of "digital nomad" programs, which offer tech and other workers the opportunity to work outside of traditional US corporate life. Others, such as WiFi Tribe and Hacker Paradise, offer millennials who already work remotely the chance to travel with a group, for anywhere from two weeks to one year. The sudden rise in popularity of these programs could pave a way for tech companies to attract millennial talent, by allowing them to take advantage of such remote work and travel opportunities. "These would only work for people in particular kinds of jobs," said Jennifer Deal, senior research scientists at the Center for Creative Leadership and co-author of the book What Millennials Want From Work. "If you have to be in a particular office with particular people to get work done, you can't take advantage of this. But for those who don't, they sound like a really fascinating way to do something different that meets a lot of people's desire to travel and see the world while still making money and continuing your career." The trend follows the rising popularity of remote work


in the US: In 2015, 37% of US employees reported doing some of their work remotely, a jump from 9% in 1995, according to Gallup. This idea is gaining traction in the tech community. Remote Year? a program in which participants spend a year working abroad, moving to different cities and countries each month? received an investment of$12 millionin Series A funding in October. Participants must already have a job that allows for remote work, and pay a $5,000 down payment and $2,000 per month to cover travel, accommodations, internet and workspaces, and activities. More than 130,000 people have applied for Remote Year programs, the company has said. "It was really clever of people to notice the business opportunity," Deal said. "People have been going overseas to work forever. But going with a group of people from country to country where someone else organizes the logistics makes it more accessible and less daunting than having to go by yourself." TECH'S FREEDOM TO BE MOBILE Jobbatical has connected hundreds of people to jobs in tech and business in a number of countries including Singapore, Spain, Germany, India, and Australia since it was founded in 2014, according to Lauren Proctor, head of marketing. "When it comes to employers offering jobs, we don't care if we're helping a major furniture conglomerate,

Millennials | 69

a shipping and logistics company or a startup," Proctor said. "Almost every company needs some kind of business or technical talent and we can fill those roles with some of the best mobile-ready talent around the globe." Business and technology talent already make up the bulk of digital nomads, and many of these workers are already familiar with a more global way of life, Proctor said. "What Jobbatical does is provide them with a means for working around the world on a steady income, with a team of people who will support them when they arrive at their new destination," she said. The majority of job applicants hold college or graduate degrees, but those without formal education who have tech skills are welcome to apply, Proctor said. "If you know Python or Perl or if you know how to close a big sale then you can do that anywhere," she said. "A good UX designer is a good UX designer, whether you sit them down in Brazil or Bali." Fewer millennials are buying homes and cars; therefore they have more freedom to be mobile, Proctor said.

"ALMOST EVERY COMPANY NEEDS SOME KIND OF BUSINESS OR TECHNICAL TALENT AND WE CAN FILL THOSE ROLES WITH SOME OF THE BEST MOBILE-READY TALENT AROUND THE GLOBE." Business and technology talent already make up the bulk of digital nomads, and many of these workers are already familiar with a more global way of life, Proctor said. "What Jobbatical does is provide them with a means for working around the world on a steady income, with a team of people who will support them when they arrive at their new destination," she said. The majority of job applicants hold college or graduate degrees, but those without formal education who have tech skills are welcome to apply, Proctor said. "If you know Python or Perl or if you know how to close a big sale then you can do that anywhere," she said. "A good UX designer is a good UX

Credit: Pexels/Lisa Fotios

designer, whether you sit them down in Brazil or Bali." Fewer millennials are buying homes and cars; therefore they have more freedom to be mobile, Proctor said. For WiFi Tribe, which offers both short and long-term co-living and working trips, "the idea was to bring together a bunch of really smart, easy-going, collaborative people to an exciting location, to work together and to live an adventurous life on the evenings and weekends," said WiFi Tribe co-founder Diego Bejarano Gerke. "The motivation is higher, and


70 | Millennials

the sharing of knowledge, ideas, tips, tools and tricks makes you more productive while you're working, so that you have more time to do new things. You simply squeeze more out of life every day." WiFi Tribe tested a co-working/co-living arrangement for the first time in Cyprus in summer 2016, with more than 20 participants. It then launched its first official location in La Paz, Bolivia. Thus far, 75 people have traveled through different locations. The program also allows participants to learn from people from other backgrounds, and build a strong personal network, as well as travel. "Millennials are looking for ways to get more out of life, while still building their own careers and dreams," Bejarano Gerke said. ATTRACTING MILLENNIALS Young people desire overseas work assignments, Deal discovered in her research. "When you're at a life stage where you have pretty close to complete freedom, it makes sense that you would take

advantage of that and do this kind of thing," she said. Those interested have to consider their line of work, and if they can accomplish their goals and further their career while taking part in one of these programs, Deal said. "It's going to affect the kinds of opportunities you have, and the networking you do," she said. Hacker Paradise organizes trips worldwide for developers, designers, and entrepreneurs who want to travel while working remotely or focusing on personal projects. It is more like a conference than a vacation, Rosengren said - it helps participants grow professionally while on the road. "When you travel with Hacker Paradise, you have a group of 30 other people who are traveling while doing interesting work. This means that you're more likely to discover new ideas, learn new things, and get unstuck during challenging times, because you have a community of other smart, like-minded people around you for support."


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72 | Insurance Credit: Unsplash/Dakota Corbin



For expat mothers planning to have a baby, it is advisable to have in place a maternity insurance to ensure that both mother and baby have access to quality medical care. Pregnancy insurance usually pays for cost of prenatal and postnatal check-ups, complications during pregnancy and delivery, childbirth and routine newborn care. Expat maternity or pregnancy insurance is not sold as a stand-alone but rather together with international health insurance. 8 important points to look out for when buying maternity insurance Before making that investment for yourself and your baby, it is important to read the fine prints of the insurance policy so as not to be caught by surprise. 1. Waiting period


As being pregnant is considered a pre-existing condition, most insurers will not accept your application if you're already pregnant, except if you join a group plan. For maternity coverage to kick in, the waiting period is usually between 8 to 12 months. 2. Definition of waiting period

Different insurers have different definitions of waiting periods. For some, if the waiting period is 8 months, it simply means that after 8 months from joining, you are entitled to claim for the approved expenses relating to maternity. For others, it means that you can only make the claim if you conceive 8 months after joining.

Insurance | 73

3. Age limit Most international health insurance don't provide maternity coverage for women over the age of 44. This is because women of this age group are considered high risk as they are more likely to experience complications during their pregnancy and delivery. 4. Congenital disease Every one of us want to have a healthy baby. But if your baby is born with congenital diseases, which is defined as any abnormalities, deformities, diseases, illnesses or injuries present at birth, whether diagnosed or not, you want to make sure that she receives the best medical care available. Having said that, not all expat maternity insurance cover congenital conditions. Some absolutely do not cover, some insure 100% and some provide partial cover by stating a time or

budget limit (like US$150,000 for the first 90 days of the newborn's life or US$ 10,000 for up to 30 days of hospital stay). 5. Newborn care Once your little bundle of joy is delivered, she will go through a series of health checks and vaccinations. These costs are usually counted as part of the mother's maternity benefits with some insurers stating that the newborn cover is in effect only up to 7 days from the day of delivery. Some insurances will state clearly the items that they don't cover (like normal hearing tests, preventive medicines, any routine physical examination, any vaccinations and inoculations), or state the number of visits to the doctor. 6. Complications in pregnancy Complications in pregnancy is defined as medical conditions during pregnancy. Should a

medical expense be incurred due to this, some insurers classify it under outpatient but some add it under maternity coverage. Having it classified as outpatient will prevent the bill from eating into your maternity benefit. 7. Complications in delivery Complications in delivery is defined as medical conditions that arises during childbirth. Similarly to above, some insurers lump it together with maternity benefit and some separate this cost and classify it under inpatient thus ensuring that you're able to maximize your pregnancy coverage. 8. Cost of Childbirth Coverage of childbirth is the basis of all maternity insurance. This usually includes obstetricians' and midwives' fees, hospital charges and postnatal care for mother.


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76 | Traveling

IS A TYPICAL TRAVELER STEREOTYPE DYING? Credit: Unsplash/Lorenzo di Cristina


Many people have a preconceived idea about the ?typical?solo traveler. He's young (usually in his 20s or early 30s), Western (from Australia, North America, or Europe), and he?s male. And while there are plenty of young Western men hitting the road on their own, today?s typical solo traveler isn?t as easy to categorize. According to Visa?s 2015 Global Travel Intentions Study, which surveyed the travel habits of 13,000-plus travelers around the globe, solo travel is on the rise, and not just among the young backpacker set or veteran travelers. The study found that one in five travelers had gone the solo route on their most recent leisure trip, and over a third of first-time travelers choose to hit the road on their own. Even more importantly to our point that these solo travelers might not be who you pictured, the study also found an increase in women solo travelers over previous years and over half of the solo travelers they surveyed were execs from Asia, especially India and China. There was even a small but noticeable increase of solo travel among travelers over age 45. With this in mind, we reached out to a few passionate solo travelers, including a young woman who has been traveling on her own off and on throughout her adult life, an exec from India who manages to regularly tack on epic solo trips to most of his business WWW.EXPATSWORLD.COM

Traveling | 77

travels, and a 65-year-old traveler who sometimes leaves her travel-hesitant husband at home to go it alone. We also checked in with the people over at G Adventures, the world's largest independent adventure travel company, to see what they had to say about solo travelers in the group tour space. Solo Women Tr aveler s Most women have been conditioned to be vigilant about their personal safety, and this is even more apparent when it comes to solo travel.While women often do have extra precautions they have to take when heading out alone, many find that traveling alone has helped them become more confident -- not only on the road, but also in day-to-day life. Angel O'Brien, a photographer from Portland, Oregon has been traveling alone off and on since early adulthood. Though she had some initial concerns about getting bored, lost, hit on, or just being vulnerable, her experiences have generally been positive. ?Traveling alone is very empowering,? says O?Brien. ?It can be easy to get caught up in the mindset that things are more fun with friends or that being alone makes you look odd, but just set that aside. When you travel by yourself, you never have to miss out on doing what you want because your companion doesn't care to do something. You can soak up the local culture and language much more easily when you are by yourself. There's far less to insulate you from the local scene when you don't have anyone from back home to talk to or hang out with." And the benefits of traveling solo have seeped into other aspects of O?Brien?s life. "I find that every time I do something by myself, whether a full-blown trip or just dinner and a movie on a night off, my

self-esteem improves and I find that I get better at really seeing the world around me." Solo " Bleisure" Tr aveler s The Visa study showed that solo travel is big among the executive set, particularly travelers from powerful Asian economies such as China and India. Bangalorean Jacob Cherian, a ?Chief Ideas Officer? for two social media marketing units, travels regularly around the country on client visits, and usually manages to tack on a bit of solo travel at the end of his corporate adventures. But rather than just tour the major cities where his clients are located, he uses them as jumping-off points for exploring other parts of the country.


?Delhi allows me to go into the Himachal stretch of the Himalayan mountains, rent a motorcycle, and just ride around for days at a stretch, mostly between mountain hot springs,? he explains. Of course, he still checks in with work once in a while, dropping in to cafes to use the Wi-Fi and check his work email. Getting a little solo travel time at the end of business trips might be as much a benefit to companies as it is to traveling employees. ?If you have an intensely online and creative role, like my own, it is important to lose contact with the internet for at least 24 hours, if not 72,? says Cherian. ?I think it's critical to have that time away from people you know and with people you don't to gain fresh perspectives and new ideas.? M ature Solo Tr aveler s While travel in general has long been a popular pastime amongst the middle-aged and older set, many of whom have both the time and resources to devote to exploring the planet, there's been a slow but steady increase of travelers of a certain age taking off on trips alone. The Visa study labels WWW.EXPATSWORLD.COM

78 | Traveling

Credit: Pexels/Ajay Donga


travelers over age 45 as "superboomers." While three out of four people in this demographic report having traveled with a companion on their last trip, there has been a small uptick in the number of superboomers willing to go it alone, with 18 percent traveling solo in 2015, opposed to 16 percent in 2013. Going Alone, Together For those who want to test the waters of solo travel, but aren?t ready to go completely alone, group tours are a good option. Not only does opting for a tour alleviate the need to plan out itineraries, tours also combine the sense of freedom that comes with solo travel with the camaraderie of a group experience. Nearly half of travelers who book tours with adventure travel company G Adventures fall into the solo traveler category (although this includes both people who come on tours on their own and those who book individually but might be joining friends on the same tours). And these numbers are on the rise.


?The proportion of solo travelers with has been incrementally but steadily increasing in the U.S. and across the globe between 2010 and 2015,? says Kim McCabe, the company?s U.S. Public Relations Director. "In 2010, solo travelers represented about 45 percent of our business from the United States, compared to about 48 percent last year. These trend lines continue outside the U.S. too, with an average of about 37 percent of G Adventures customers booking as solo travelers back in 2010, versus an average of 44 percent last year." In many ways, particularly for those who enjoy the structure and ease of organized tours, joining a group program as a solo traveler can be a best-of-both-worlds situation. ?If you travel on your own in the company of a group, you will be so much more likely to form meaningful relationships with the fellow travelers and hosts who share in your journey,? McCabe points out. ?Going solo puts you in a position to make new friends, learn about different cultures, and share conversations with interesting people."

Know Befor e You Go: Tr anspor t at ion Tips & Ter ms By Ash l ey M an n Sou r ce: In ter n ation al Au toSou r ce

"People in the United States drive themselves rather than using forms of public transportation." 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. The Metro in Moscow often carries 7 million riders a day, while only around 9 million Americans ride the

(Figure 1) Driving Statistics Chart


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. 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 rebuild your 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 scores are often referred to as ?well-qualified.?

"According to the statistics, almost 88% of people drive in the United States."

Need to know | 81

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. M ore 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. · 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.

(Figure 2) FICO® Score Chart

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.

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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.

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84 | Featured city

Credit: Unsplash/Denys Nevozhai

Moving to and living in Shanghai doesn't have to be stressful. Read our top ten tips for a smooth move to Shanghai. REGISTER WITH THE POLICE Every foreigner arriving in China must immediately register with the local police. If you are staying in a hotel, they will take care of this for you. Otherwise, simply go to the nearest police station in your neighbourhood, present your passport, along with a photocopy of both your identification and visa pages, and report where you are staying and for how long. Once registered, you receive a form, which is your temporary residence permit. Hold on to this, as you will need it when applying for a longer-term residence permit. If you move into a housing compound, ask if your landlord will take care of this for foreign tenants. Always re-register whenever you change residence in Shanghai. Late registration results in a nominal fine. Failure to register at all could lead to major bureaucratic hassles.


ORIENTATION For the first few weeks ? even months ? it?s a good idea to carry a street and Metro map around. Shanghai is not a grid, and the sporadic maze of alleys, streets, boulevards and freeways is difficult to navigate, even for the city?s seasoned veterans. Morning and evening rush-hour traffic is characterised by dense, aggressive traffic and frequent gridlock. Despite the massive size of greater Shanghai, most of the central areas are grouped together and manageable in size. Once inside a neighbourhood, getting around on foot is relatively easy. SHOPPING... AND TOILETRIES On a good day, shopping in Shanghai is a delightful and engaging experience, where one can revel in all of the city?s sensations, discover hidden gems and feel fully immersed in the flow of China?s thriving consumer culture. On a bad day, however, lines and crowds are spirit crushing, bargains are fleeting and

Featured city | 85

it takes far too long to find something simple. Either way, it?s an adventure. And as Shanghai?s consumer infrastructure matures, the good days are becoming far more frequent for expat shoppers. You can find anything in Shanghai, from Christian Dior on Nanjing Lu to Chairman Mao dolls at the Dongtai antique market. It is important that you bring over your own toiletries, as these can be hard to find in Shanghai, especially deodorant. "YOU MAY BE IN A FOREIGN CITY, BUT BEING FAMILIAR WITH A FEW NEIGHBOURHOOD RESTAURANTS, MARKETS AND GREEN AREAS WILL AT LEAST ALLOW YOU TO FEEL THAT YOU HAVE CONTROL OVER YOUR IMMEDIATE DOMAIN." BANKING There are several branches of each of the Chinese domestic banks in almost every district of Shanghai, all of which allow foreigners to open either yuan or US dollar accounts. The most common are Bank of China, ICBC, China Merchant?s Bank, Agricultural Bank of China and China Construction Bank. They all offer debit cards, Internet banking and currency exchange services. Many expats choose banks with an international focus, such as Bank of China and ICBC, which both accept the transfer of money to and from your home country. For credit card services and access to funds back home, it is best to keep an international bank account. Banks are generally open from 9am - 5pm Monday to Friday, and Saturday mornings.

functioning network and affordable pay-as-you-go calls. Most mobile phones that are supported by GSM (Global System for Mobile Communications) work throughout China, and you might find that Chinese SIM cards will work in your phone. However, if you are moving to Shanghai, it is far more affordable to pick up a local plan as soon as you move here. China Mobile, the nation?s biggest telecommunication service provider, usually recognises two dual frequencies ? 900 Hz and 1,800 Hz. Network coverage across China is excellent. If you didn?t bring a compatible phone, a pay-as-you-go mobile phone can be purchased for RMB 600-700 plus the cost of a SIM card. COMMUNITIES There are whole communities based in Shanghai, from expat mums to bike riding and photography groups. Whatever your interest is back home, you can be sure that Shanghai will have a group to match. FOOD In a vast country with varying standards of sanitation and enforcement, Shanghai is known throughout China for serving the cleanest food. Most restaurants and supermarkets, especially those that cater to expats, look and feel sanitary. The longer you are in Shanghai, the more adventurous you can be with eating out. Local inspectors increasingly visit popular restaurants to ensure they are up to standard. Credit: Unsplash/Alexandre Valdivia

Expect long lines at banks. If you want to spend less than 30 minutes for any visit, take a spot near the door before it opens and make a run for the ticket terminal to collect your number. There will be others ? particularly on Mondays when weekend earnings are deposited. MOBILE PHONES The mobile phone market in Shanghai is thriving. It seems that almost everybody from ages 8 to 80 has a mobile phone. They buzz, sing and ring constantly wherever you are in the city ? a testament to a clear,


86 | Featured city

it, give potential daily journeys to work or school a trial run. Collect information and perspectives by speaking to property agents that specialise in expatriate housing while asking colleagues and friends about the advantages and disadvantages of their areas. Finding appropriate housing in Shanghai can be frustrating, as there are pros and cons to every option. The converted lane house in the former French Concession may be close to the action, but it may also be noisy and prone to running out of hot water. Conversely, the expansive suburban villa may leave you and your family feeling isolated from city life. CULTURE SHOCK Culture shock is the inability to understand and react to what?s going on around you. For example, the first time you go to the post office or wait in line for a Metro ticket, several people may cut in front of you, perhaps rudely nudging you out of the way in the process. At home, you could simply say ?Excuse me? and expect the violator of common etiquette to move aside and wait their turn. However, when it happens in China (and it most certainly will) you may feel totally unable to control the situation.

Credit: Unsplash/Alessio Lin

Nonetheless, you may have minor digestion problems during the first few weeks. This is normally no cause for alarm, as the body has to adjust to foreign bacteria. The diarrhoea is usually mild and resolves spontaneously and symptoms can usually be controlled with over-the-counter medication. With moderate symptoms, Pepto-Bismol alone may suffice. Alternatively, antidiarrhoeal agents such as diphenoxylate and atropine (Lomotil) or loperamide (Imodium) can be administered. Avoid taking antibiotics unless the problem is severe and persistent. FINDING HOUSING Choose your housing carefully. In a city this big, and this sprawling, where you live will dictate your lifestyle. The best way to get a feel for Shanghai's varied residential worlds before signing a lease is to explore the different neighbourhoods. While you?re at


So what should you do to keep culture shock under control? There are measures you can take to mitigate the negative aspects. 1) Get to know your immediate locale. You may be in a foreign city, but being familiar with a few neighbourhood restaurants, markets and green areas will at least allow you to feel that you have control over your immediate domain. 2) Start a journal. This is an invaluable tool. A journal will force you to reflect on your own feelings and consequently get you thinking about ways to control them. 3) Sign up for a Chinese class. Knowing even a few phrases right away makes a big difference when speaking to your ayi or the neighborhood shopkeeper. It?s also a good way to meet other expats. 4) Gain a new perspective. After all, you?re in an entirely new place. Try to be an explorer and see things existentially, learning from a way of life embraced by over 1 billion people.


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90 | Relocation


Living the expat life Ă la famed author Ernest Hemingway may be the dream of many, but whether you're looking to move abroad for retirement or just searching for a change of pace, choosing the right place to move to can be a daunting task. It is a shortlist of the easiest locations abroad to move to. In determining its top such spots, we advised readers to keep in mind how close a new location is to their old home, whether it is relatively easy to get long-term visas for residency there, offers a low cost of living and is home to a preexisting population of foreigners like you. MEXICO Just a stone's throw from the United States, Mexico is one of the most attractive places abroad to move to. With many of the comforts of home and open-ended permanent visas, Mexico already plays host to a slew of Americans. The cost of living there is also fairly low, as a couple can live comfortably on about $1,900 per month.


Credit: Unsplash/Dennis Schrader/Mexico

Credit: Unsplash/Miguel Bruna/Panama

Relocation | 93

Credit: Unsplash/Linda Rose/Costa Rica Credit: Unsplash/Chase Fleming/Belize

PANAMA No need to go through the hassle of currency exchange here; Panama uses the U.S. dollar. The narrow country, famous for its eponymous canal, is set to host World Youth Day in 2019. Bordered by two oceans, Panama boasts fresh seafood and traditional dishes such as paella and ceviche. COSTA RICA Just north of Panama lies the next country on our list: Costa Rica, which continues to remain a bastion for American expats. Renowned for its hospitality, this small Central American paradise is one of the most stable and prosperous countries in the region. Costa Rica is so keen on environmental protection that it is working to become carbon neutral by 2021 and has been ranked No. 1 on the Happy Planet Index in 2016, having previously topped the chart in 2009 and 2012.


94 | Relocation

Credit: Pixabay/Honduras

The cost of living the so-called pura vida ("pure life") in Costa Rica for a couple can range from $2,000 to $3,000 per month.

The cost of living in Belize is around $1,400 to $2,000 a month, though it can reach up to $3,000 a month depending on where you choose to live.



Belize is bordered by Mexico and Guatemala to its north and west and the Atlantic Ocean to the east. This small nation is known for its annual September Celebrations events and has English as its official language.

Roatรกn is a subtropical island belonging to Central American country Honduras. This Caribbean paradise boasts its own international airport and some great diving.

You can obtain permanent residence in Belize by renewing a tourist visa every 30 days until a full year has passed or, if you're over age 45 and meet certain criteria, by applying through the Qualified Retired Persons program.


The cost of living on Roatรกn really depends on what you are looking for. A couple can live very comfortably on about $3,000 a month, but it's also possible to live on less than $2,000 a month.

KELCAS CORPORATI ON I NVESTMENTS Bygg din egen Pensionsf ond! Kelcas erbjuder en placering utan hävstång som följer marknadspriset på Olja. Skaffa dig en egen trygg inkomstkälla med utdelning varje månad! Det är lätt att komma igång även med begränsad kapitalinsats! +25% avkast ning senast e 12 m ånader na! Svenska ägare borgar för hög kompetens och kvalitet på projekten enligt ?småländsk? modell med ett stycke "svensk Gnosjöanda" mitt i USA! I dag är det registrerat närmare 8 miljoner privata ägare av oljekällor i USA. Sparformen har blivit mycket populär och kan jämföras med att äga hyresfastigheter, fast stabilare och bättre.. Modellen är enkel! Bolaget säljer andelar i de brunnar som skall borras, sedan delas vinsten enligt insats och ägarandel. Vinstutbetalning sker varje månad och förs in på ägarnas konto enligt avtal. Vinsten styrs förstås av dagspriset på olja. Bolagets ledning rekommenderar - att alla är med i flera brunnar för att sprida risken. Välkommen till ett nytt och spännande oljeäventyr!




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TAL K RADI O EUROPE Centro Comercial La Colonia San Pedro de Alcantara Malaga Spain T.+34 952799953 info@talkradioeurope.com www.talkradioeurope.com Spain's only English language talk radio network for Expats and English speakers.

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

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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

SARRI À QUI ROPRÀCTI CA Carrer Caponata 3,Spain T. +34 646684402 info@sarriaquiropractica.com www.sarriaquiropractica.es

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.

L aM exikana.No ® AS Stavanger and Jæren area, Norway T. + 47 41622399 info@lamexikana.no www.lamexikana.no Closer to Mexico without traveling there. Importation and Retail of Mexican food and products.

EM EL I E PRODUCTI ON Regeringsgatan 91, Stockholm 111 39, Sweden T. +46 070-9109665 emelie@emelieproduction.se www.emelieproduction.se Lighting and Interior Designer based in Stockholm working with both private costumers and commercial properties. Indoors | Gardens | Facades

FI TNESS ACADEM Y AM STERDAM T. +31(0)628551077 fitnessacademyamsterdam@hotmail.com www.fitnessacademy.amsterdam

SPAI N ACCOUNTI NG Rambla Catalunya, 18, 08007 Barcelona, Spain T. +34 678702369 info@spainaccounting.com www.spainaccounting.com

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

Preparation of and advice on personal and business taxes how to start up a business in Spain and the costs involved solutions to all your business accounting needs the tax, accounting and mercantile obligations.

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.

VI VI FI NEART Boulder, Colorado, 80302, USA T. +1 303 875 0661 cindi@vivifineart.com www.vivifineart.com

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.

Art is about learning. Learning to be quiet and learning to be loud. Learning to explore and to accept, to sit and observe, feel and touch.

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.

WHI ZWORDZ 151 Chin Swee Rd, #13-04 Manhattan House, Singapore 169876 T. +65 6600 3798 sales@whizwordz.com www.whizwordz.com.sg A translation services agency in Singapore dedicated to providing an outstanding level of service.


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Expats World Magazine - Issue 5 - January 2018  

Expats World Magazine - Issue 5 - January 2018