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·  Expatriate Online Banking Services 
bank then you might like to consider the quality of the regulation the bank is subject to are they part of an investor protector scheme for example Also are they an offshore bank and can you benefit from the many advantages offshore status can offer It s also a good idea to consider the client focus of the financial institution you re considering and whether it matches who you are In very broad terms there are basically three types of expatriate client requirement and they are either high net worth simple expatriate and commercial expatriate 1 Private Banking Client Focus Banks with this focus tend to specialise in wealth management services for high income individuals often with an offshore bias Costs and charges will likely be higher but the level of personalised service you will receive will also be higher This type of bank is ideal for those with in excess of 100 000 which they need managing 2 Expatriate Focus Banks with this focus seek to provide simple packaged low maintenance low cost online services for their clients The emphasis will likely be on simplicity cost effectiveness and accessibility 3 International Commercial Focus Banks with this focus are ideal for those seeking banking facilities for commercial purposes e g trading Commercial clients often require cash management foreign exchange international trade risk management services etc If you are clear about the features you require from your banking service provider this will make seeking the best expatriate online banking services so much easier If you would like assistance in realising your requirements and finding an account to match your needs please feel free to contact us Related Articles Living Abroad on a Budget Things to Consider When Moving Abroad How to Move Abroad in 3 Easy Steps Live and Work Well in Singapore Don t Let Anything Hold You Back from Moving Abroad 5 Aspects to Consider When Choosing a Country to Move to Abroad Overcoming Financial Issues Preventing Britons from Moving Abroad Can You Afford to Move Abroad Returning to Live in Britain a Repatriation Case Study Comments Add Your Comment Name Email Location URL Remember my personal information Notify me of follow up comments Submit the word you see below Living Abroad Guides Expatriate Lifestyle Exploring expatriate lifestyle topics in depth and discussing the realities of expat life abroad Expatriate News Keeping you up to date with expatriate related news stories and the latest advice and information for expats living abroad Living in Australia If you re interested in living in Australia you ll find plenty of articles and advice on what expats can expect from a new life Down Under Living in Belize From the cost of living in Belize to what expatriate life is really like in this stunning Central American nation Living in Bulgaria Advice for anyone interested in living in Bulgaria and discussing expatriate related topics for those who have already moved to Bulgaria Living in Canada Discussing everything important about living in Canada. Get more link here
  (2011-11-13)

·  Expatriate Mortgage 
generally the more complicated the circumstances the higher the arrangement fees Those expatriates interested in purchasing buy to let property either in the country in which they reside or in which they are domiciled should find the process of finding a potential lender fairly straightforward particularly if they are British domiciled and wish to purchase buy to let real estate in the UK There are a number of lenders the latest of which is the Derbyshire Building Society who have released expatriate buy to let mortgage products The product on offer from the Derbyshire the latest lender to join the ranks of those offering such finance to British expats has a fixed interest rate of 5 25 percent until 2009 after which the mortgage interest rate will track the BoE s base rate plus one percent Other lenders willing to consider expatriate mortgage related finance include the Bank of Scotland Cheltenham and Gloucester Dresdner Bank Fortis Bank Group the Halifax HSBC Offshore Banking and the Portman Building Society There are also specialist expatriate mortgage and international finance brokers who can assist with securing mortgage and re mortgage products for expats living around the world Anyone considering using such a brokerage should ensure the company are authorised and regulated by the correct compliance body for the country in which they operate for example it is the FSA in the UK and also check out any fees and charges that you may be liable for for the arrangement of finance to purchase property Related Articles Living Abroad on a Budget Things to Consider When Moving Abroad How to Move Abroad in 3 Easy Steps Live and Work Well in Singapore Don t Let Anything Hold You Back from Moving Abroad 5 Aspects to Consider When Choosing a Country to Move to Abroad Overcoming Financial Issues Preventing Britons from Moving Abroad Can You Afford to Move Abroad Returning to Live in Britain a Repatriation Case Study Comments Add Your Comment Name Email Location URL Remember my personal information Notify me of follow up comments Submit the word you see below Living Abroad Guides Expatriate Lifestyle Exploring expatriate lifestyle topics in depth and discussing the realities of expat life abroad Expatriate News Keeping you up to date with expatriate related news stories and the latest advice and information for expats living abroad Living in Australia If you re interested in living in Australia you ll find plenty of articles and advice on what expats can expect from a new life Down Under Living in Belize From the cost of living in Belize to what expatriate life is really like in this stunning Central American nation Living in Bulgaria Advice for anyone interested in living in Bulgaria and discussing expatriate related topics for those who have already moved to Bulgaria Living in Canada Discussing everything important about living in Canada from visas to employment from education to the expat lifestyle Living in Cyprus Examining expat life living in Cyprus and North Cyprus discussing the similarities. Get more link here
  (2011-11-13)

·  Expatriate Investment 
globally you will have access to far more opportunities if you invest globally through a well diversified fund you can reduce your overall risk status Part Four Stager Maturities By staggering or laddering the maturity dates of your income producing investments you will potentially produce a far more reliable and stable stream of income which is not so susceptible to interest rate fluctuations The alternative worst case scenario is that all your investments mature at a time when interest rates are low making reinvestment unattractive and fairly pointless and which can negate any gains you had so far enjoyed Part Five Ongoing Review To build a truly effective expatriate investment portfolio it is essential to have access to the best advice and the best investment products available A good independent financial adviser should be able to assist you to this end and as an expatriate it is worth securing the advice of such an adviser who has global and offshore focus as well as you possibly have the advantage of being able to benefit from offshore investments as well Once you have worked with such an adviser to determine your risk profile investment objectives and to build a well structured well diversified portfolio it is not a question of sitting back and waiting for the maturity of each element of the portfolio You have to regularly review your portfolio as market conditions and investment attractiveness and applicability can all change as can your own personal circumstances Most advisers recommend you spend a little time with them at least once a year if not every six months to make sure your portfolio remains as well tuned to meet your requirements and to take advantage of all the opportunities available as possible If you would like to build your own financial portfolio we will happily make an appointment for you at your convenience with an asset management adviser the adviser will not only help you determine your investment objectives he will also introduce you to the best quality investments available from the global financial marketplace with which you can then build your investment portfolio Or if you have an already established portfolio and think it s about time you had a review to make sure it s working as effectively for you as possible please get in touch and we will endeavor to assist Related Articles Living Abroad on a Budget Things to Consider When Moving Abroad How to Move Abroad in 3 Easy Steps Live and Work Well in Singapore Don t Let Anything Hold You Back from Moving Abroad 5 Aspects to Consider When Choosing a Country to Move to Abroad Overcoming Financial Issues Preventing Britons from Moving Abroad Can You Afford to Move Abroad Returning to Live in Britain a Repatriation Case Study Comments Add Your Comment Name Email Location URL Remember my personal information Notify me of follow up comments Submit the word you see below Living Abroad Guides Expatriate Lifestyle Exploring expatriate lifestyle topics in depth. Get more link here
 (2011-11-13)

·  Expatriate Insurance Brokers 
specific requirements and financial status and then offer detailed advice on a range of products that best match the objectives and needs of the client By using an independent broker the expat will have the chance to find the most affordable insurance with the best level of protection The insurances an expatriate may be offered will likely include income protection for those with a mortgage and or a family to support life insurance for those with dependents home and contents travel and of course health insurance Getting decent health insurance from an expat broker should be top of any expatriate s list of things to do when moving abroad Not only do health care services differ greatly from country to country so the affordability of health care can differ substantially as well An expat does not want to find themselves in the position that they greatly require medical assistance but cannot afford it or worse still that they cannot get the medical assistance they need even if they can afford it The level of health insurance required will depend on the country in which an expat will be living and whether or not they will need repatriation cover as well Anyone who is planning on starting a new life abroad or who has already expatriated but has yet to make provision for health care life insurance income protection etc should consider contacting an expatriate insurance broker for advice and assistance Related Articles Living Abroad on a Budget Things to Consider When Moving Abroad How to Move Abroad in 3 Easy Steps Live and Work Well in Singapore Don t Let Anything Hold You Back from Moving Abroad 5 Aspects to Consider When Choosing a Country to Move to Abroad Overcoming Financial Issues Preventing Britons from Moving Abroad Can You Afford to Move Abroad Returning to Live in Britain a Repatriation Case Study Comments Add Your Comment Name Email Location URL Remember my personal information Notify me of follow up comments Submit the word you see below Living Abroad Guides Expatriate Lifestyle Exploring expatriate lifestyle topics in depth and discussing the realities of expat life abroad Expatriate News Keeping you up to date with expatriate related news stories and the latest advice and information for expats living abroad Living in Australia If you re interested in living in Australia you ll find plenty of articles and advice on what expats can expect from a new life Down Under Living in Belize From the cost of living in Belize to what expatriate life is really like in this stunning Central American nation Living in Bulgaria Advice for anyone interested in living in Bulgaria and discussing expatriate related topics for those who have already moved to Bulgaria Living in Canada Discussing everything important about living in Canada from visas to employment from education to the expat lifestyle Living in Cyprus Examining expat life living in Cyprus and North Cyprus discussing the similarities and differences between the two sides of this stunning Mediterranean island. Get more link here
  (2011-11-13)

·  Expatriate Health Insurance Plans 
you will have an excess think about what you can comfortably afford and remember that it usually applies per claim so in the event you are unlucky enough to have a series of claims in a year you will have to be comfortable paying out the excess every time At the same time the higher the excess you re prepared to pay the lower the premium 5 Think big you need a big name behind the provider to reduce the risk the company will fold up under you in the event that they have too many claims made against them in one year American Express has recently teamed up with GoodHealth who are world leaders in the provision of health insurance specifically for expatriates With the Amex backing this company seem to be going from strength to strength maybe they can offer you a good level of cover for a fair premium for example Click here if you want an online quote 6 Family plans can be far cheaper than individual cover per family member 7 If you stop smoking lose weight and exercise more and are generally a healthy person who takes an active approach to remaining fit and well you will be rewarded by your provider with lower premiums 8 If your employer offers health insurance as a benefit in kind seriously consider taking it You must examine carefully all the costs and any taxation implications of course but know that group cover can be a far cheaper alternative as the insurers offer discounts for more members and your employer will likely pass these savings on to you 9 The provider offering the lowest premium doesn t necessarily mean you ve found the best expatriate health insurance plan Nor does it mean you ve necessarily found the cheapest plan The low premium may suggest less cover higher excesses and fewer conditions covered Be careful be astute and try and ensure you re comparing like for like 10 Finally think long term are your requirements likely to change are you planning on relocating or repatriating will you still require health insurance and if so will a provider you re considering be able to continue to cover you The longer you remain with a provider they may reward you with lower annual renewal costs discounts on additional travel insurance for example and so it pays to find out whether your provider will be able to offer you all you need for as long as you need it Related Articles Living Abroad on a Budget Things to Consider When Moving Abroad How to Move Abroad in 3 Easy Steps Live and Work Well in Singapore Don t Let Anything Hold You Back from Moving Abroad 5 Aspects to Consider When Choosing a Country to Move to Abroad Overcoming Financial Issues Preventing Britons from Moving Abroad Can You Afford to Move Abroad Returning to Live in Britain a Repatriation Case Study Comments Add Your Comment Name Email Location URL Remember my personal. Get more link here  (2011-11-13)

·  Expatriate Health Insurance Needs Identified 
premiums could be higher than average in such nations Other trends relate not to medical practices but to the climate encountered by the expatriate in question for example in Africa there are more skin lesions removed than in Europe and in places where abortions are conducted illegally there are higher than average incidences of surgery being required after illegal abortions are carried out Expatriates living in Africa are also more likely than others around the world to require the removal of cataracts and their appendix according to the survey by BUPA and those living in the Middle East have a higher than average requirement for a hernia repair operation don t ask us why The top ten list worldwide excluding America of course is a colonoscopy caesarean delivery CT scan cataract surgery gastroscopy hysteroscopy MRI scan removal of skin lesion cardiac catheterization and keyhole surgery of the knee So the general conclusions that can be drawn from the survey are that expatriates should ensure their potential health care needs are fully covered by any expatriate health insurance policy they take out and that depending on where in the world they are going to be living the health care provisions available locally as well as the local climate cuisine and culture of medical practice carried out their expatriate health insurance needs could differ greatly For a free assessment of your likely needs you can give Goodhealth a try they have an exclusive association with American Express for the specific offering of tailored expatriate health insurance policies and you can get more information about their plans and policies online Related Articles Living Abroad on a Budget Things to Consider When Moving Abroad How to Move Abroad in 3 Easy Steps Live and Work Well in Singapore Don t Let Anything Hold You Back from Moving Abroad 5 Aspects to Consider When Choosing a Country to Move to Abroad Overcoming Financial Issues Preventing Britons from Moving Abroad Can You Afford to Move Abroad Returning to Live in Britain a Repatriation Case Study Comments Add Your Comment Name Email Location URL Remember my personal information Notify me of follow up comments Submit the word you see below Living Abroad Guides Expatriate Lifestyle Exploring expatriate lifestyle topics in depth and discussing the realities of expat life abroad Expatriate News Keeping you up to date with expatriate related news stories and the latest advice and information for expats living abroad Living in Australia If you re interested in living in Australia you ll find plenty of articles and advice on what expats can expect from a new life Down Under Living in Belize From the cost of living in Belize to what expatriate life is really like in this stunning Central American nation Living in Bulgaria Advice for anyone interested in living in Bulgaria and discussing expatriate related topics for those who have already moved to Bulgaria Living in Canada Discussing everything important about living in Canada from visas to employment from education to the expat. Get more link here
  (2011-11-13)

·  Expatriate Health Care and Overseas Welfare 
on the beach or chill out in a deck chair when you get some free time consider parking your car two streets away from your house and walking the last 1 2 mile home on a daily basis or even parking 2 blocks from the beach and strolling along to your favourite sandy spot Alternatively get a dog and take him for regular walks he ll love you for it You don t like pets Then hire a bike go on a walking weekend or weed the garden Simply by adding a little physical activity into our lives we will be pushing back the years and ensuring that we are able to fully enjoy the opportunities our new life abroad affords us Maintain a healthy lifestyle Enjoy nutritious food adequate sleep avoid nicotine and keep alcohol consumption within sensible limits Reduce stress Everyone suffers from stress sometimes and relocating abroad can in fact be one of the most stressful things you ll ever do But such short term stress can be reduced with effective planning and familial support and it is actually long term stress that poses the most significant health risks So once you ve relocated do everything within your power to reduce your daily stress levels And if it is beyond your control to remove certain stresses affecting your life never feel embarrassed or afraid to seek help If you can identify the primary reason for your stress maybe you can begin to see what you need to do to fix it I know this is so often easier said than done but please remember it is your health and your happiness at stake here and that has to be your priority Be Proactive You know your own body better than any one else Listen to it and react accordingly when it is trying to tell you something Don t ignore potential symptoms recognise them and get them treated Related Articles Living Abroad on a Budget Things to Consider When Moving Abroad How to Move Abroad in 3 Easy Steps Live and Work Well in Singapore Don t Let Anything Hold You Back from Moving Abroad 5 Aspects to Consider When Choosing a Country to Move to Abroad Overcoming Financial Issues Preventing Britons from Moving Abroad Can You Afford to Move Abroad Returning to Live in Britain a Repatriation Case Study Comments Add Your Comment Name Email Location URL Remember my personal information Notify me of follow up comments Submit the word you see below Living Abroad Guides Expatriate Lifestyle Exploring expatriate lifestyle topics in depth and discussing the realities of expat life abroad Expatriate News Keeping you up to date with expatriate related news stories and the latest advice and information for expats living abroad Living in Australia If you re interested in living in Australia you ll find plenty of articles and advice on what expats can expect from a new life Down Under Living in Belize From the cost of living in Belize to what. Get more link here   (2011-11-13)