Expat Explorer

New Year, New Career Destination

2017-01-02T08:00:00.000+00:00

The start of a new year is often the trigger we need to consider longer term opportunities and goals. Working abroad is an exciting prospect which can bring plenty of opportunities, but choosing a destination that’s right for you isn’t always easy. From earnings to work-life balance; career progression to job security; there are lots of criteria you should consider when it comes to deciding on your next move.

In the latest Expat Explorer survey we asked more than 26,000 expats around the world to tell us all about their careers to help us uncover the best places to work abroad.

The results revealed that Europe is the best region for pursuing an expat career, with Switzerland, Germany, Sweden, Norway, Austria and the UK all featuring in the top 10 countries for a successful expat career.

Top 10 destinations for a successful expat career	2016 Rank	2015 Rank
Switzerland	1	1
Germany	2	3
Sweden	3	2
United Arab Emirates	4	6
Norway	5	-
Singapore	6	5
Austria	7	-
Hong Kong	8	8
United Kingdom	9	18
Bahrain	10	7

For the second year in a row, Switzerland is ranked as the best all-round destination for a career abroad; combining the highest earning prospects with a good work-life balance and an excellent work culture. The average annual expat income in Switzerland is USD188,275, almost twice the global average of USD97,419. More than two thirds (69%) of expats in Switzerland see an improvement in their work-life balance and a similar proportion say the work culture is better than at home.

More than half of the expats surveyed across Europe say they enjoy a better work culture than they did before moving. This is particularly true in Sweden, where almost three quarters (71%) of expats agree with this.

New entrants to the 2016 Expat Careers league table include Norway, which was rated highly for work-life balance. Just over eight in ten (87%) expats in Norway agreed that the balance between their work and home life improved after their move. Another new entrant, Austria, scooped 7^th place, with expats here also rating the work-life balance benefits of the country, and praising the work culture.

Dean Blackburn, Head of HSBC Expat, comments:

“According to our survey, Europe is home to some of the best destinations for a successful expat career. Six European countries have made their way into the top 10 and are recognised for their strong work culture, great work-life balance and relatively good job security.

“The start of the new year is a good time for expats and prospective expats alike to reflect on what they have achieved to date and start to plan the next steps in their international careers. What’s clear in our survey, is that working abroad offers a wealth of opportunities to suit many different career needs and personal priorities.

“Some expats are looking for an accelerated route to the top of the career ladder, some want to put themselves on a firmer financial footing, while others want to improve their work-life balance. There is an ideal destination to achieve one or more of these goals; and the Expat Careers tool is there to help them find it.”

Where in the world will you be in 2017? Use our Expat Careers tool to plan your next move: expatexplorer.hsbc.com/survey/careers

Expat Explorer 2016: Achieving Ambitions Abroad

2016-09-21T09:58:00.003+01:00

As leaves turn brown in the Northern Hemisphere and spring blooms in the South, nearly a year of research and analysis from the team at HSBC Expat bears first fruit. Our ninth year of the HSBC Expat Explorer survey is our most comprehensive to date, where 26,871 expats from 190 countries have shared their views on life abroad including careers, financial wellbeing, quality of life, and raising children.

For the second year in a row, the city-state of Singapore takes the top spot in HSBC’s Expat Explorer country league table as the best overall destination for expats. Expats in Singapore enjoy some of the world’s best financial rewards and career opportunities, while also benefiting from an excellent quality of life and a safe, family-friendly environment.

Overall, 66% of expats in Singapore agree that it offers a better quality of life than their home country (compared to 52% of expats globally), while three quarters (75%) say the quality of education in Singapore is better than at home, the highest proportion in the world (global average 43%).

Expat Explorer 2016 overall league table

The best countries for expats to live and work

1. Singapore

2. New Zealand

3. Canada

4. Czech Republic

5. Switzerland

6. Norway

7. Austria

8. Sweden

9. Bahrain

10. Germany

New Zealand and Canada follow Singapore as the top three expat destinations according to expats, with the Czech Republic leaping 14 places to come fourth this year. Whilst Norway and Austria enter the league tables for the first time, ranking sixth and seventh place respectively.

Economics	Experience	Family
1. Switzerland	1. New Zealand	1. Sweden
2. Singapore	2. Spain	2. Czech Republic
3. Germany	3. Canada	3. Singapore
4. Norway	4. Singapore	4. New Zealand
5. UAE	5. Australia	5. Canada

#1 for Economics - Switzerland

Switzerland shines for the second year running, offering unrivalled financial wellbeing and a strong economy for expats. Nearly nine in ten (87%) expats living there in Switzerland feel confident about the political stability of the country and four in five (80%) feel confident about its economy. Three quarters (75%) of expats say earning prospects are better in Switzerland than they are in their home country, with an average annual income of USD188,000.

#1 for Experience - New Zealand

New Zealand leads the way for an unrivalled expat experience. The vast majority (83%) of expats praise the country’s environment as better than in their home country, and nearly three quarters (73%) say their quality of life has improved, compared to 52% of expats globally. Nearly three quarters (72%) of expats in New Zealand say they are integrating well with the local people and culture.

#1 for Family – Sweden

Sweden offers an excellent environment for expat families. Three quarters (75%) of expat parents in Sweden rate their children’s quality of life as better than back home. Nearly half (46%) say the quality of education in Sweden is better and 72% say it is less expensive. A similar proportion (75%) believe the quality of childcare available in Sweden is better than it is at home.

The volume of insights we’ve uncovered through the 2016 Expat Explorer survey is truly astonishing, and we’ll be sharing our favourite insights over the coming months on twitter @expatexplorer– a truly essential follow for anyone thinking about life abroad. You can check out the full survey results, or read more of our key findings.

Before School Starts: A Look at Expat Education

2016-07-19T09:47:00.000+01:00

Often, the most important decision a parent makes when moving abroad with their family concerns their children’s education. Which language should they be taught in? Which school should they attend? Which qualifications should they prepare for? In this blog post, we explore some of the key considerations for expat parents to take into account as the new school year begins around the world.

International or local school?

More than two in five (44%) expats in the 2015 Expat Explorer surveysaid that their children attend international school, whereas almost one third (31%) attend a government funded or state school. This is the first decision many expat parents have to make when it comes to moving abroad.

It’s important to take into account the qualifications your child may need in later life as well as their emotional wellbeing. How will they settle in and which environment can help them to make the transition into a new life abroad?

International schools tend to offer more globally recognised qualifications. This is particularly important if you plan to move around frequently or if your children plan to study abroad as they get older. Typically international school curriculums are modelled on those in place across English, American or Canadian schools. These schools often encourage pupils to work towards internationally recognised qualifications such as the International Baccalaureate, which is highly respected by universities around the world. The International Baccalaureate typically means a wider breadth of study[1]than other qualifications such as A Levels. There tends to be an English speaking focus in most classrooms with a wide mix of different nationalities, cultures and backgrounds. This provides opportunities for your children to meet other expat children who are going through similar experiences.

“As a result of my time at an international school, I have a network of close friends around the world – from Boston to Munich to Singapore. Learning alongside such an eclectic mix of kids creates an incredibly accommodating environment you don’t find anywhere else, as well as so many different opportunities. American Football became a huge passion of mine thanks to my schooling. The breadth of the qualification and all of the extra-curricular activities I was able to get involved in prepared me for both university and the working world better than even I expected.” - Matt, an English expat schooled in Nairobi, Prague and London.

If you’re expecting to stay in a country for a long time, or if you’d like your children to attend university in your host country, you may want to consider a local school which raises a different set of advantages and challenges.

A local education provides expat children with the opportunity to experience the local culture and country, to develop their language skills and make new friends outside of the expat bubble. Your children may also find more opportunities to develop longer-term friendships as international schools can be somewhat transient – with up to half[2]of the student population changing each year.

“Enrolling your children in a public school, if they are between 4-7, helps children to learn language easily, and makes them feel connected to the community. And it instantly connects you with the community as well.” – Expat Explorer 2015 respondent in Germany

Be wary, however, of enrolling your children in a local school without a strong grasp of the language. Although children tend to be much quicker than adults to learn languages, it’s important to provide support to help your children build their confidence. This might involve engaging a local tutor or taking some language lessons before you arrive.

Learning styles

Whichever schooling system you choose for your children, it’s important to appreciate how much learning styles can vary between countries. Just as culture shapes your experience at work, it also influences your children’s experience in education.

One area where these differences may be particularly apparent is within the Chinese education system. Whilst western students are encouraged to be curious and question information, in China teachers tend to expect more discipline and diligence from their pupils. School days are often longer[3], starting as early as 7AM and sometimes going on into the evening. Classes are not graded on achievement but on ability in comparison to the rest of the class, which can often inspire competitiveness in pupils[4].

Conversely, the Montessori approach of peer-tutoring is more common in European, American and international schools. This typically applies to younger age groups and involves a more collaborative learning style[5]which brings together children of different ages in a single classroom, aiming to foster an environment in which children learn from and teach their peers.

Researching the educational styles of your new host country is an essential part of your move. Seek advice from your contacts, visit the area before you move and make the most of online resources – but don’t underestimate the importance of having a conversation with your children to understand what they’d prefer.

Planning ahead

It’s important to plan ahead for the financial costs of childcare and education, and ensure you are prepared for any fees. In our 2015 Expat Explorer survey, over a third (38%) of expat parents rated the quality of their children’s education as better than their home country - but more than half (58%) said it is more expensive.

Singapore in particular stands out above the crowd for its fantastic quality of education; where 66% of expat parents report an improvement on the quality of education their children receive (compared to a global average of 38%). However, education in Singapore is also reported as being more expensive, with 85% of parents agreeing that education costs more than at home (compared to a global average of 58%) – so it’s a good thing that expats in the island nation also reported relatively high average salaries of USD158,705, significantly above the global average of USD104,000.

“Be sure you get allowances for schooling and housing as the cost of these two are very prohibitive.” - Expat Explorer 2015 respondent in Singapore

Our 2015 Expat Explorer survey also revealed that 14% of expats received a contribution towards their children’s schooling, but that might not be the only way your employer can help you with your children’s education. HR departments are often well versed in co-ordinating every aspect of a relocation including schooling, so it’s worth checking if they can offer any support with the decisions you need to make for your family.

For more information about planning your children’s education as part of your move abroad, visit our website: https://www.expat.hsbc.com/1/2/hsbc-expat/wealth-management/power-of-planning/education-planning

[1] http://www.telegraph.co.uk/education/secondaryeducation/10017618/International-Baccalaureate-is-it-any-good.html

[2] http://www.expatarrivals.com/article/international-school-curricula

[3] http://www.bbc.co.uk/news/magazine-33735517

[4] http://www.abc.net.au/news/2013-12-04/chinese-and-australian-education-systems-compared/5135440

[5] http://montessori.edu/

An Appetite for Adventure: Expat Foodie Hotspots

2016-06-09T17:14:00.000+01:00

When it comes to a move abroad, getting to grips with the local food is one factor which could influence how well you settle in. The 2015 Expat Explorer survey revealed that most expats embrace the change and throw themselves into a new culinary adventure when they move abroad, with over half (58%) agreeing that they enjoy eating or cooking the local cuisine.

Europe emerges as one of the key regions where expats are most likely to broaden their foodie horizons, with those living in Italy (91%), Portugal (81%) and Spain (81%) being the most likely to agree that they enjoy cooking and eating the local cuisine. Outside of Europe, Japan factors highly, with well over three quarters (84%) saying the same thing.

Place	% of expats who say they enjoy cooking and eating the local cuisine
Italy	91%
Japan	84%
Mexico	82%
Portugal	81%
Spain	81%
Thailand	81%

But what is it that defines these destinations as culinary hotspots? We’ve looked into the most interesting food trends and traditions from these countries, to whet your appetite.

Italy

Italyis famous for its traditional dishes passed down from generation to generation. Whilst most locals are quite comfortable with their nation’s staple dishes; some have been spreading their wings and exercising creativity by introducing new ingredients to shake up traditional platters. Guanciale[1], a cured meat taken from pork cheek, is making its way onto the palate of cuisine connoisseurs as an alternative to pancetta. The way the fat melts away as you fry it allows the flavours to blend masterfully with a spaghetti carbonara.

Expat Tips: Most expats in Italy (69%) say they’re integrating well with their new hosts. One key piece of advice is to make sure you do not eat pizza with a knife and fork – Italians are firm believers that a good pizza has to be felt, as well as tasted. And be sure to try a ‘Spaghetti cake’; crispy on the outside but beautifully soft on the inside, cooked in a gorgeous tomato sauce.

Japan

Japanese cuisine tends to follow a fairly strict regime that continues to be a driving force behind healthy living and eating. In fact 50% of expats in Japan said they feel as though they have become physically healthier since moving there. The increasingly popular and now world famous ‘Matcha Tea’[2]makes for a fantastic green tea packed full of antioxidants, whilst the powder can also be used for dips, breads, porridge and grain based dishes.

Expat Tip: Good manners over meals are incredibly important. It’s said that the Japanese language has far more words to indicate etiquette, humility and honour than any other language. Try saying “Itadakimasu” (the Japanese equivalent to saying let’s eat or Bon Appetit) at the start of a meal, your host should then respond with “Dozo” (Please go ahead).

Mexico

With fiery flavours from small street stalls spreading in popularity across the globe, it’s unsurprising that 82% of expats in Mexico said they enjoy the local cuisine. It’s said that Mexicans consume more grains of corn per capita than anywhere else in the world[3]. Tortillas feature in a lot of meals, filled with mixtures of beans, rice, tomatoes, chilies and chorizo, providing the opportunity to add whatever your taste buds crave.

Expat Tip: Head down to a street market to truly experience the authentic Mexican food culture. Get creative in the kitchen with empanadas – fill the little handheld pastry pockets with as many flavours as possible. Mexicans tend to see the lengthy food preparation process as a way to maintain social relationships – be accepting of meal invitations and use the opportunity to form new friendships.

Spain

In Spain it’s all about lunch, or ‘Almuerzo’ as they call it. In some places breaks will last up to two hours and take place around 2pm rather than midday. The best way to experience Spanish cuisine is to travel from bar to bar, sampling their best tapas over the counter before moving on to the next place. The cuisine experience is as much about the social aspect as it is the food itself – so be prepared for plenty of great conversation and sharing.

Expat tip: Don’t underestimate the power of ‘Sombremesa’ – this love of good conversations after a meal may be why two-thirds of expats living in Spain told us in our 2015 Expat Explorer survey that they have found it easy to form new friendships.

Thailand

In Thailand, dishes often revolve around rice. Curries combine fiery spices and seasonings but it is crucial that they do not intrude on the overall flavours of the dish – it’s about striking the perfect balance. Many recipes draw on the more unusual flavours of fish sauce, dried shrimp paste and lemon grass. Coconuts also play a vital role in a number of Thai dishes, whether it’s the milk for providing thickness to a curry, or shreddings to give desserts a bit of edge.

Expat tip: Snacking is a big deal in Thailand. You’ll notice large food stalls in many public spaces, offering hundreds of different bites to eat. Use these stalls to explore a huge variety of traditional Thai dishes including fish cakes, egg rolls and noodles served with a wealth of different seasonings.

What’s the most interesting local dish you’ve ever tried? We want to hear all about it, share your stories and images with us on Twitter: @ExpatExplorer

[1] http://www.womanandhome.com/recipes/537737/italian-food-trends

[2] http://uk.businessinsider.com/the-japanese-would-never-use-this-popular-superfood-knockoff-why-2016-4?r=US&IR=T

[3] http://www.nytimes.com/2016/02/12/world/americas/oaxacas-native-maize-embraced-by-top-chefs-in-us-and-europe.html

The Road to Local: Nine Nearly-Native Expat Moments

2016-05-09T10:27:00.000+01:00

Settling into a new life abroad is one thing, but for some it’s a case of shedding the expat label altogether and making like a true local. In our 2015 Expat Explorer survey, almost one third (31%) say they felt at home within six months of moving. For others the transition takes a little more time, or may never come: one fifth (20%) say they think they will always feel like an expat.

Bahrain tops the list of places where expats are most likely to settle fastest, with 47% of expats reporting that they felt at home within six months, followed by Malaysia (43%), Mexico (42%), Russia (41%) and Thailand (38%). Expats agreed that certain milestones such as forging new friendships, getting involved with the local community and knowing that their families were enjoying life abroad all played a key role in helping them feel a strong connection with their new home.

In Bahrain for example, over half (51%) of the expats we spoke to say that making friends or developing their social lives plays the biggest part in helping them to feel a like a local. Whereas two in five (43%) expats in Malaysia say that it’s starting to understand the local culture and etiquette.

We’ve asked our expat network to share with us the times when they felt as though they were on the road to becoming a local - here are our favourite nearly-native moments:

You’re fluent in the local language

The first time that you manage to hold a conversation or realise that you’ve been dreaming in the local language is an important first step. Almost one third (28%) of expats in the Expat Explorer survey say that successfully using the local language made them feel a strong connection with their new country.

“Insist others speak to you in Dutch when you're learning the language. Most are fluent in English and they love to talk to you in your own language rather than drop the level of communication to your learning level.” – UK expat in the Netherlands

You’re becoming a foodie in your new country

Over half (58%) of expats in the 2015 Expat Explorer survey said that they enjoy eating and cooking the local cuisine in their new country. While it might have taken you a while to try some of the more adventurous dishes – you’re now finally there. And the comfort food you craved from home has been replaced by local delicacies.

Cultural quirks start to feel normal

Two in five (38%) said that understanding the local culture and etiquette played the biggest part in helping them to feel like they belonged. These little quirks will vary wherever you are but a little research can go a long way; whether that’s understanding exactly when to use the ‘bisous’ greeting in France, or knowing that a burp during a meal in Hong Kong is considered by locals to be a sign of appreciation.

“Immerse yourself in the culture and don't be afraid to step out of the expat corner - enjoy sharing your experience with locals.” – UK expat in China

You know exactly how to navigate the local transport

The metro arrives and it’s completely packed. Rather than wait for the next train you get on without a second thought. Becoming a local is more than just managing to find a space; it’s knowing where to stand on the platform or being able to navigate your new home without having to read the signs.

“Take advantage of the excellent public transit to see the whole of the UK. It's teeny tiny compared to Canada; you can do it! In particular, Scotland is amazingly beautiful the farther north you go. The Isle of Skye is a big favourite.” – Canadian expat in the UK

You can give as good as you get with the locals

You have no hesitation bantering with the locals and being able to order a coffee using the same casual shorthand as the natives means that you fit right in. This can lead to making new friends too: over half (51%) of expats we spoke to in our survey said that making friends and/or developing their social life played a key role in helping them to feel settled.

“When you get there, accept every invitation even if it's for something you would never normally do. It helps you get a social life as quickly as possible, and also get the most out of moving to a new country.” – UK expat in Bermuda

You know what to do when the unexpected happens

The ability to deal with whatever comes your way is a definite sign that you’re well on your way to becoming native; be it your social plans going unexpectedly awry or a communication victory during a meeting. In our survey, one fifth (20%) of expats said performing well in a strange or unusual situation at work was when they started to feel like a local.

You defend the things that annoyed you to start with

Sometimes these little things can grow on us: whether that’s getting used to eating an unusual breakfast, like tofu in Japan, or having to walk a really long way to change tubes on the London Underground. And once we’ve understood and embraced them, they can play a big part in helping us feel as though we belong.

You really know your way around

One in five (19%) expats said that when someone asked them for directions and they could help, it was a defining moment which helped them to feel a connection with their new country. And when you take out-of-town friends to see the local gems rather than the tourist hotspots, you realise you know the place far better than you think.

“Park your car somewhere and start to walk. You will be amazed at what you'll discover.” – New Zealand expat in Jersey

When you go home, and you’re homesick

You return to visit your native country and feel homesick for your new country. Each time you go back, your family and friends comment that you’ve ‘picked up an accent’; and sitting on the plane flying back after the visit you find yourself looking forward to getting ‘home’.

When did you first start to feel like a local? Share your nearly native moments with us on Twitter (@expatexplorer) or on Facebook (HSBC Expat).

Discover more shortcuts to becoming a true local with the HSBC Expat Explorer Country Guides and Hints & Tips. Visit the Expat Explorer hub to find out more: https://expatexplorer.hsbc.com/

Five things for expats to consider when buying a property to let in the UK

2016-04-12T19:39:00.000+01:00

Becoming an expat opens up many new avenues but one way that life is almost certain to change is from a financial perspective. A move abroad therefore often means a whole new approach to managing your personal finances. In our 2015 Expat Explorer survey, over half (52%) of those surveyed say that they are now able to save more money than they did at home. We know that people save for a variety of different reasons and, for many it’s often about raising the funds to secure a property.

For expats it can be more difficult to secure a mortgage while living overseas. However, that shouldn’t mean getting onto the property ladder is out of the question. Buy-to-let is one option for expats but there is a lot to consider. From costs to location and the practicalities of managing the property, plus the taxes and fees you will need to navigate. Buying a property is one of the most significant financial commitments you’re likely to make so it’s important to be as informed as possible.

1. Why buy to let?

Buy-to-let could be an option for many expats to get a foot on the UK property ladder.

“It can be worth keeping your UK house in case the expat lifestyle doesn't turn out the way you’d expected.” – UK expat in Cyprus

The UK has seen gradual growth in buy-to-let over the last ten years, which has coincided with house price growth outpacing income growth, and an evolving mortgage market. This has gathered pace in recent months, with the Council of Mortgage Lenders reporting a 22% year-on-year increase in the number of loans taken out by landlords in January 2016[1], ahead of tax changes. From April 1 2016, people buying second properties above £40,000 will face a three percentage point stamp duty increase on current rates. Getting up to speed on the rental landscape and understanding key developments in law and regulation is vital for would-be landlords.

2. Do your research

Start with some thought about what’s right for you, research on the rental landscape, and the type of property you may want to buy. The National Landlords Association is a good place to start to find out more about the different things you’ll need to consider.

You’ll also need to think about the sort of tenant you may want to attract and what their requirements will be. For example, if you’re planning to rent a property to students, they will have a different set of needs to professionals. Think ahead so that you can shape your property search accordingly.

“Pay attention to property: it can be worth keeping a home of your own in both your home and host countries. Only sell in the UK if you feel you have to, or if the house prices in your area are on a downward trend. It could be worth employing a management company for your rented home in the UK.” – UK expat in Spain

3. Location, location, location

Finding the right buy-to-let property is different to choosing a new home for yourself. Try to avoid letting personal taste cloud your judgement, and look instead at the market requirements .

Spend some time looking at the local area for recent or planned developments which could impact on the property. Think about other elements that could be attractive to renters such as proximity to shops, leisure facilities and transport links.

“It’s important to focus on locations where rents have outpaced house prices,” says Tracie Pearce, head of mortgages at HSBC. “This means not just looking at large towns and cities, but also at commuter areas, and those with high rental demand and concentrated employment nearby.”

4. Navigating costs, taxes and fees

There are many financial implications of becoming a landlord but it is important to be aware upfront of the costs you will encounter, and to consider whether these will be offset by the financial return that you are likely to see.

A 2015 study put the average total cost of a UK buy-to-let property at £8,359, including the cost of fees, maintenance, letting agents and repairs. The same study showed that many landlords were significantly underestimating this cost, with more than half failing to factor in any sort of repair costs to their budget[2].

In addition to running costs for the property, you will also need to be aware of the different sorts of taxes you’re likely to encounter. In the UK, this will include Stamp Duty Land Tax, Income Tax and Capital Gains Tax.

There’s also the question of property value and fluctuation in the market which could impact house prices in the region that you buy. Consult property websites for information on how prices change across different locations or recent trends in price rises or drops.

5. Becoming a landlord

Managing a property from overseas can be complicated so you could consider using a third party letting agent. For a fee (usually between 5 and 15% of rental income), agents can handle things like tenant selection and referencing, rent collection and property management.

In the UK, landlords are required by law to keep the property safe, meet reasonable tenant requests like occasional redecoration, maintenance and improvements to energy efficiency. Tenants will need to pay agreed rent and bills, allow access for repairs and to ensure the property is properly cared for.

Organisations such as the Association of Residential Letting Agents and the UK Association of Letting Agents can provide more information about the accreditation or licences you may need to secure.

You should always think carefully before purchasing a buy-to-let property. The value of a property can fluctuate, and not all properties will grow in value or provide sufficient income to cover all your associated costs. You will be responsible for your costs even if you do not have a tenant. Property can also be difficult to sell quickly if you need to do so.

The content for this article has been inspired by HSBC Expat’s guide on buying to let in the UK which was written by a team of contributors with experience in property and finance. If you’re looking for more information, you can find more detail in HSBC Expat’s guide to buying to let in the UK.

[1] http://www.theguardian.com/money/2016/mar/10/buy-to-let-mortgage-lending-rockets-ahead-of-stamp-duty-rise

[2] http://www.telegraph.co.uk/finance/personalfinance/investing/buy-to-let/11568218/Landlords-underestimate-real-8359-cost-of-buy-to-let.html

Climbing the expat career ladder: the best places to work abroad

2016-03-22T11:04:00.000+00:00

Take part in our 2016 Expat Explorer survey here.

Moving abroad can change your life in a number of ways, particularly when starting a new job. New offices, new colleagues, a new environment and a new work culture; the list of things to consider is endless. There may be challenges along the way, but often these bring their own rewards:

“The work is hard, the hours are long and the pace is crazy, but I have loved adapting to the culture and understanding the difference in approach to different tasks.” –UK expat in Hong Kong

Our 2015 Expat Explorer Survey asked over 20,000 expats about different aspects of life abroad, including careers and the best places in the world to work. Based on the responses, we have compiled the top destinations for expat careers and created a new tool to help expats find the best places to flourish.

At the top of the ranks is Switzerland, where expats comment on enjoying an excellent work culture coupled with strong levels of job security. Notably, almost two-thirds of expats say the country offers higher salaries than at home – perfect for expats looking to increase their pay packet whilst enjoying and adapting to a new professional culture.

“Switzerland offers a great work/life balance – it feels like a proper break when I leave work on a Friday” – British expat Switzerland

Europe stood tall among the rest of the world in the rankings, with Sweden and Germany taking second and third place respectively.

Sweden led the way on work/life balance, with the highest number of expats reporting an improvement compared to their home country. A report released by the Swedish Institute reinforces this principle. ‘The Swedish Approach to Fairness’[1]highlights several ways in which the country’s welfare system is geared towards encouraging a balanced lifestyle, notably through generous parental leave and equality at work.

Europe ranks one of the top places for job security – with four of the five of the top countries located on the continent. Expats in Germany say they feel secure in their role following their move abroad. This is to be expected considering Germany is the fourth-largest economy in the world – a thriving source of innovation that dominates European economics.

“Life is Germany is exciting and interesting, opening up new possibilities and opportunities” – British expat in Germany

Countries from Asia and the Middle-East rank from fifth through to ninth place – led by Singapore and followed closely by the UAE, Bahrain, Hong Kong and Saudi Arabia. These countries offer an appealing combination of strong earnings prospects and sought-after benefit packages. Over two-thirds of expats in Qatar earn more than they did at home, and nearly every expat in Saudi Arabia receives at least one benefit from their employer. Expats in the Middle East are also encouraged to visit friends and family back home, with twice as many (67%) in the region receiving airfare allowances in comparison to the global average (33%).

“A great opportunity for growth and challenges” – Australian expat in Qatar

At fourth place in our league table is Russia, where sixty-two percent of expats said there is a better opportunity to acquire new skills and find more fulfilling work. Over two thirds (69%) said they found it easy to form new friendships since moving to Russia, which can help a new country feel more like home both professionally and personally.

Did you agree with our 2015 careers ranking? Have your say in next year’s results by sharing your views in our 2016 Expat Explorer survey today: https://start.yougov.com/refer/vysfh7HYcJdChF?&source=1

The Expat Explorer survey, now in its eighth year, is the world's largest independent global expat survey. Commissioned by HSBC Expat and conducted by a third party research company YouGov, 21,950 expats based in over 100 countries were questioned between March and May 2015. In order to be included, each country had to reach a minimum sample size of 100 expat respondents.

This information does not constitute advice and no liability is accepted to recipients acting independently on its contents. The views expressed are not the views of HSBC and are subject to change.

An expat Christmas: festive family traditions

2015-12-22T11:35:00.000+00:00

When a family embarks on their expat adventure, the move shakes up their lives. With a new location comes a new language, food, cultureand weather. And as a result traditions a family once knew may change. A well-established habit of staying in with close family on the 25^th can suddenly turn into a day for visiting friends and entertaining well-wishers. When we asked our community which customs they’d discovered and incorporated into their own celebrations, the responses highlighted many delightful customs from around the world.

Weihnachtsmarkt (Christmas market)

For expats new to Christmas in Germany the fabulously festive street markets can become an essential part of the season. This age-old tradition has been popular since the days of the Holy Roman Empire[1]. Weihnachtsmarkt gives shoppers the opportunity to purchase handmade crafts for their loved ones from quaint but well decorated stalls. While basking in the lights that many of the major markets are known for, patrons can treat themselves to sizzling bratwurst sausages, soft gingerbread cookies (Lebkuchen) and warm mulled wine (Glühwein) to stave off the winter chill.

Dana Newman - @WantedAdventure

O (Canadian) Christmas tree

With locations like Reindeer Station, Christmas Island, Sled Lake, Holly, Turkey Point and Snowflake it might well feel like it’s always Christmas in some corners of Canada. But when the season is in full swing Canadians go big with their trees. Instead of buying artificial firs, families drive out to tree farms and collect their timber directly from the forest. When surrounded by other towering trees in the forest, the trees can look a lot smaller than they are. It’s often not until the last bauble is up that people discover their mighty Douglas fir is not the little sapling they thought it was.

Flickr - Steven Depolo

Tropical Christmas trees

From the snowy winter wonderland that is Canada to humid subcontinent of India, the festivities bear some core similarities but take on a new form in a different climate. As the types of trees available during the celebrations are more tropical, families decorate mango and banana trees in place of firs and pines. And even though December is one of the coldest months of the year in India, expats are unlikely to see striking Christmas jumper patterns dotted about, as temperatures are still around 20 degrees.

Google Images - Pixabay

Stir It Up Sunday

Christmas comes to a very sweet end in the UK as families wrap up the festivities with a hearty pudding. The dessert, which is made up of dried fruits, suet, cinnamon, nutmeg cloves and ginger, is aged for at least a month before it’s served. The deadline for this process is called Stir It Up Sunday. On this day families gather in the kitchen so each member can take their turn to stir the pudding and make a wish for the year ahead. Some people even plant a coin within the mixture as it is said to bring good luck to the person that finds it. The pudding is doused with brandy set alight before being presented to the table.

Flickr - James Petts

Risalamande

A British expat relocating to Sweden will see their Christmas pudding take on a different form, as Risalamande. After enjoying the delights of a Smorgasbord, a rich creamy vanilla rice pudding with chopped almonds and cold cherry sauce is served. Although the dish doesn’t need to be prepared nearly as early as a British pudding, it is not uncommon to make a large batch a couple days ahead of the big day. In this scenario the coin is replaced by a whole almond and the lucky person to find it wins a small prize. By concealing the discovery for as long as possible a host can get their guests to eat through more - if not all - of the dessert.

Flickr - Pille

As you prepare for the holiday season, have you noticed any new traditions that you’ve taken on since embarking on your expat adventure? Leave us a comment below or tweet us @expatexplorer

[1] http://www.xmas-markets.org/category/germany-christmas-markets/

Making the most of your expat finances: five things to know before you go

2015-12-03T10:58:00.000+00:00

The decision to move abroad is one which brings with it many considerations and opportunities for everyone involved; whether you’re flying solo or taking your family and partner along for the ride. There’s no doubt that it’ll be an adventure, but it’s also likely to mean some important changes for the way that you run your life, especially when it comes to your personal finances.

In the 2015 Expat Explorer survey, over 22,000 expats globally who shared their views on almost every aspect of life abroad. And a great number noted the intricacies of managing their money while living abroad, underlining the fact that a new life in a new country can often mean a new set of challenges when it comes to money.

Among this group, nearly three quarters (74%) agree that they find their finances more complex than they did at home. Some of the most common challenges experienced by these expats include dealing with multiple currencies (37%), navigating a more complicated tax situation (27%) and moving money between countries (22%).

Given these challenges, how could you approach your finances? And, above all, what do you need to know before you make the move?

To help answer these questions, and support you in getting the most from your experience abroad, we’ve put together a list of important things to know about your expat finances – sparked from tips shared by real-life expats on our Hints & Tips page.

Whether you’re about to leave or you’ve just arrived, here are five important things to consider when it comes to managing your money as an expat:

1. Plan ahead

Expat in United Arab Emirates

As this expat notes, it is hard to overestimate the importance of preparation and planning before you move, especially when it comes to completing the right paperwork at the right time. Before you go, remember to consider for any unforeseen eventualities, such as an accident, legal trouble or unexpected repairs, as well as any arrangements that need to be made in the country you are leaving behind.

Are there any running costs at home that still need covering after you have left? Which companies and authorities should you inform of your move? Is there someone who you can trust to give copies of important documents for safekeeping? Who can inform you of anything important that may require you to take action? Make sure you remember to update these people if your contact details in your new home change, as they so often do.

2. Balance your new income and your new outgoings

Expat in Bahrain

Monitoring your income and expenses may seem like an obvious rule of adult life, no matter where you are. But it can be something that’s easily overlooked when we’re busy and under pressure – so take the time to think about this in your new home and be mindful of the things which might differ from what you’re used to.

For instance, living in a hot or tropical country will probably drive up your electricity bill due to a need for air conditioning or fans. Similarly you may find yourself driving a car significantly more depending on the availability of public transport and your new day-to-day routine. So fuel costs and regular maintenance would need to be considered. A high gross salary can also diminish when tax payments are factored in. But high rent may be offset by lower utility costs.

Think about the future and how you might want to spend your money. Will it be a case of investing it as savings, supporting your current lifestyle or a combination of both? Setting your expectations from the outset and doing your research will make it much easier to gauge how your new income and outgoings stack up against your finances at home.

It’s often worth contacting locals or other expats to get a realistic assessment of what running costs you should expect. If you’re moving abroad with your employer they should be well-placed to help you with this too. Based on this information, you can then make a solid financial plan to help you to find the right balance between your standard of living and savings goals.

3. Move money swiftly

Expat in Canada

Depending on how long-term your move will be, maintaining accounts and investments in your country of origin may be important. Also, if you still have family and friends “back home” you might need to make occasional payments to them. When you’re considering which banking arrangement is right for you, look at what is going on at home and think ahead. Will you only be making the occasional transfer or do you expect to be moving larger amounts like mortgage payments and school fees between borders on a fairly regular basis? Seek guidance on any restrictions regarding frequency and the sum of outgoing and incoming payments in all countries that you will be making payments to and from. Ask a financial expert with experience in expatriate finances about which setup will be best suited to your needs – especially if you’re planning to travel and move fairly frequently.

4. Familiarise yourself with the regulations and requirements

Expat in Italy

Even if you have lived in a country for many years, speak the language fluently and know your way around, tax regulations and requirements can be confusing. This feeling can be exacerbated in a new country, especially as you may well be required to submit a tax return both in your “home” and new countries. But understanding where and how your earnings need to be reported, which taxes to expect and how to manage their impact on your finances, is crucial to wealth management. This should play a vital role in your financial planning before you move and in negotiations regarding your expat package. So seek information about your new country’s taxation system as early as possible in order to be well prepared for your negotiations.

5. Plan your saving and investments – in multiple currencies

Expat in Turkey

Earning in a different currency than you are saving or investing in could make financial planning complex. It can be hard to predict how currency fluctuations might affect your savings, especially when it comes to things like pensions. Again, a trusted adviser may be able to assist you in deciding which currency is likely to give you the best return on investment and the most security.

Small elements of your living costs can compound to make a significant dent in your budget and potential savings; so speak to your employer and don’t be afraid to negotiate when it comes to your expat package and salary.

You may also want to explore with your employer the option to receive your salary in the currency that makes things easier for you, e.g. your “home” currency, rather than the local currency. Or it could be a case of having the flexibility to access your money in several currencies. Your savings and investments may also be impacted by a weaker or stronger currency or exchange rate in your new home, so it’s worth checking back with your financial planner regularly and staying as informed as possible when it comes to the local rates.

What’s your top tip for managing your finances as an expat? Share your views with others using our Hints & Tips tool.

All rankings, figures and quotes are from HSBC's Expat Explorer survey. The Expat Explorer survey, now in its eighth year, is the world's largest independent global expat survey. Commissioned by HSBC Expat and conducted by a third party research company YouGov, 21,950 expats based in over 100 countries were questioned between March and May 2015. In order to be included, each country had to reach a minimum sample size of 100 expat respondents.

The Universal Candidate

2015-11-14T10:00:00.000+00:00

“The key to becoming internationally employable is an open mind – you need to be ready to accept different cultures and to prove that your personality is able to adjust to what is likely to be a very challenging disruption to your usual way of life.“

Alison J. Morgan, Director, Global Recruitment Solutions (UK) Ltd.

Specialised global recruitment agency

Of the 21,950 expats surveyed in our latest Expat Explorer report, more than 10,000 moved because of their careers. So if you’re looking for a job abroad – you’re in good company.

But finding work overseas can be tough. It is important to remember that your pool of competition expands to the entire planet - not just your local area. To stand out in a crowd of worthy candidates, you need to ensure that your CV is the best it can be by globalising your employability. You need to maximise your international desirability so employers are eager to hire you, regardless of where you’re from.

Be careful not to suffer from tunnel vision when putting together your portfolio for applications abroad – work experience is not the single defining characteristic. A number of factors come into play including personality, enthusiasm, a track record of hard work and a willingness to adapt to foreign cultures. Employers will be looking for a candidate with the perfect character match just as much as (if not more than) a candidate with all the right skills.

Creative Commons | Unsplash

Some crucial characteristics include the ability to demonstrate a mature open-mindedness towards embracing new cultures, as well as being ready to enter a new country with a clean slate. You mustn’t base expectations on your place of origin – especially in a new business environment. Employers will be wary of importing staff they think might clash with their current team. Being a ‘cultural chameleon’ is probably the most valuable skill to have when considering a life abroad.

Digging a little deeper into the specification of the ideal global recruit – the feature which stands above the rest is adaptability.You must be able to make any zone your comfort zone regardless of country, culture or language. Of course language may prove to be a barrier at first so employers will be looking for applicants who won’t be fazed by such a challenge, whilst also providing the assurance that learning the language will be made a priority upon arrival. The perfect candidate will be able to communicate their thoughts and ideas through a variety of intuitive visual and interactive mediums.

67% of expats who moved to improve their job prospects now have more disposable income.

- Expat Explorer Survey Results

Naturally it is also important to be able to back up your application with a CV that represents a wealth of experience in the field that you’re applying for. You need to persuade someone that bringing you into their business from a different country is the best option– if your skills and professional experiences tick every box of the criteria for their role you’ll already have one foot in the door. All that’s left to do is prove that you’re able to apply those skills in a fresh cultural setting.

Creative Commons | Pexels

Experience of travelling around other countries will stand you in good stead when promoting yourself as a universally desirable candidate. The ability to say that you’ve already worked in another country is second to none. Even demonstrating that you’ve travelled around the world and experienced different ways of life will show that the process of adopting a new culture won’t take so long, because you already have an enlightened perspective of the world.

If you can’t support up your application with international experiences then give examples of when you’ve been able to adapt to new environments or places of work. Perhaps you moved away from home to work in a new city, or maybe you went through an interesting career change.

Ultimately, to become internationally employable you need to show that your personality and skill set is not confined to the borders of your home country. Once you are able to do this, you will be ready for the process of finding the right location to start your new life abroad.

Guest blogger series: Introducing… Allison Furlong

2015-11-06T14:31:00.000+00:00

My new Middle Eastern routine

I left the cool shores of Canada for hot and sandy Doha, Qatar in January, 2014. Nearing two years in the Middle East, I thought it would be a great time to reflect on some of the changes that, while seemingly different in the beginning, have now become routine while being an expat in the Middle East.

C’mon Thursday

Friday is the Muslim day of prayer, meaning the weekend begins on Thursday evening, consisting of Friday and Saturday, returning to work on Sunday. When you spend your whole life adhering to a different weekend, it initially plays havoc on your brain. You start mixing up the days of the week when telling stories, booking appointments, etc. I’m now happy to report that I think my brain has now adapted to the change (but it takes a while).

9 am? That’s sleeping in

Back home, the majority of people stroll into the office around 8:30 or 9. But in Qatar, most are awake before the call to prayer at sunrise (around 5:30am this time of year). What does this mean for expats? Everything starts earlier. Rush hour begins around 6 am and I’m sitting at my desk by 7:30.

Cold shower, how I miss thee

Most water in the Middle East is desalinated from the Arabian Gulf and then pumped into water storage tanks. Individual tanks are located on the top of buildings, warming in the desert sun. When you turn your cold water tap, it’s nearly always warm, and always piping hot in the summer.

All the wonderful smells!

At home, most people skip perfume and scented products, with many workplaces being scent free. Here, wonderful aromas are part of the culture, not only celebrated but deemed mandatory in certain situations. I actually love the wonderful smell of wood chips burning (oud) filling malls, hallways and workplaces. And because it’s natural, you certainly won’t hear any sneezes from allergies.

Sand, sand, everywhere sand

I love going to the beach, desert and everywhere there’s sand! But sometimes it actually comes to you in your apartment. The air always has trace amounts of sand in it, meaning your floor, furniture and apartment sometimes has a fine layer of sand.

Wasta

Broadly meaning “influence” or “clout”, wasta is a cultural phenomenon that controls many aspects of life in the Middle East. If you can’t be bothered to wait in line like the average person, just flex your wasta and sometimes magical things appear. While I don’t think I actually have wasta, a girl can dream.

Allison Furlong is originally from Newfoundland, Canada and is now living in Doha, Qatar. She regularly blogs about her exciting travels around the world and is always interested in hearing from other travelers and expats. To find out more about Allison’s adventures, subscribe to her blog – Where ya to – a wanderlust blog or follow her on Twitter @AllisonFurlong

Expat Explorer behind the numbers: Why do expats get stuck into Mexico?

2015-10-30T17:07:00.000+00:00

In the first of a new series, we look behind the numbers of the latest HSBC Expat Explorer survey. This month: why do expats get stuck into Mexico?

Two months to go. The one-way ticket perched on the living room shelf becomes harder to ignore and every expat starts to wonder: “Will I fit in with the locals?”

There’s no shortage of advice. Family, friends and colleagues all delight in sharing insights gleamed from South American gap years or long weekends in the Mediterranean. Everyone seems to be an expert on your new neighbours. Yet, as experienced expats know, the national clichés trumpeted by casual sightseers barely scratch the surface.

When it comes to fitting in with the locals Mexico is the stand out performer, where according to the latest Expat Explorer survey, 78% of expats feel they are integrating well with the local people and culture. A carnival of colour, spice and sun, Mexico is easy to love, but it’s the country’s contagious family values which endear the people to expats.

Which are the easiest cultures to integrate into?

Mexican families are usually big and it’s not unusual for aunts, uncles, grandparents and in-laws to all share the same neighbourhood or even the same home. Getting to grips with these values can be tricky for any outsider. The rules and mores have been passed down through centuries of folktales, often retold but rarely written down.

Creative Commons / Wikimedia commons (anonymous)

One such story is “El Principe Oso”, the tale of a young daughter who marries a ferocious bear to save her family. Realising the beast is a bewitched prince, she consults wizards, tricks the moon, narrowly escapes incineration by the sun, hitches a ride with the wind and finally defeats a wicked witch – all to free her grizzly husband. If the characters are fantastical, the fierce loyalty of the courageous girl is far from fictional. In fact it’s this very sense of loyalty which helps to keep Mexico’s ancient traditions and 68 different languages alive and well in the modern world.

Luckily for expats, Mexican families are always welcoming and it’s the workplace where this is most striking. One expat from over the border in the USA shared his experience of just that with us:

“Go with the flow - things move in a different and somewhat slower pace. Be prepared for more social interaction. Family is very important and you have to engage with your team on a personal level - get to know their family.”

Becoming part of the family is an important milestone to integrating with the Mexican people, but every country offers something unique. In our latest Expat Explorer survey, expats also celebrated New Zealand, Australia, Brazil and Canada as some of the easiest countries in the world to integrate into. Expats in Canada say they are liberated by their new home’s approach to diversity, with a government policy of multi-culturalism and one of the most celebrated gay pride movements in the world, it’s no wonder four fifths of expats quickly make local friends. In Australiaand New Zealand, meanwhile, expats are welcomed as much by their local sports teams as their work colleagues, while those in Brazil find themselves greeted with kisses from the moment they step off the plane.

Creative Commons / Neal Jennings

So don’t pay too much attention to those armchair explorers, the only way to truly integrate is by getting stuck in and making friends. Embracing a new way of life is a process of discovery that must be lived, not just learned.

Are you striving to integrate with the local way of life or do you want to enjoy expat life without losing sight of your roots? Let us know in the comments or tweet @expatexplorer

Culture shocks from around the world, and what we can learn from them

2015-10-15T13:02:00.000+01:00

Adapting to the local culture is a central element of life abroad. For many expats experiencing and learning about new cultures is one of the most enjoyable aspects of moving abroad.

An inevitable part of transitioning to a different cultural environment is experiencing culture shock of some kind. Culture shocks can be anything from a small change in our daily routine, to something which might force us to dramatically change our behaviour. What might seem slightly amusing or unusual to us at first however, is often symbolic of long-standing cultural traditions and customs.

To reduce the magnitude of these shocks, learning about the heritage of your host country can help you to build your understanding of local customs. Over a third of respondents in this year’s Expat Explorer survey, stated the most important thing for them to feel at home was being able to understand the local culture and etiquette.

Here are some of our favourite cultural shocks expats submitted in last year’s Expat Explorer survey, and the stories behind them.

Culture shock: “The pub culture” – French expat in UK

Creative Commons / DncnH

Background: The sight of a packed-out pub sprawling onto the road is no shock to those who have lived in the UK for a while, but can be slightly intimidating to newer residents. Pubs have been central to the culture of British socialising for centuries. Having first appeared in the Anglo-Saxon era, by the 16^th century pubs were established as important spaces for people to converse, debate, and most importantly – drink beer in. With 57,500 pubs across the UK, and around 15 million people visiting them each week, pubs remain as popular as ever.

How to get involved: If you have just started a job in the UK, it is pretty likely that on a Friday after work you will be asked to go the pub with your colleagues - say yes! It is a great opportunity to talk your colleagues in a non-work environment.

Culture shock: “Kissing as a form of greeting” – British expat in France

Background: The French greeting of kissing on both cheeks, known as “faire la bise” locally, can be a bit of a shock to those with a general fear of PDAs (public displays of affection). However, this ritual is very important to French people, and holds a long-standing place in French culture. The number of kisses specifically given varies regionally across France and among different social classes, so be prepared for this change if you are travelling around!

How to get involved: Don’t be shy! However awkward you may feel at first, this practice will soon become the norm. Holding back on this ritual and not taking it seriously can be interpreted as a sign of insincerity to locals.

Culture shock: “Camel racing using robots” - Indian expat in Oman

Creative Commons / Flickr / Jane

Background: For a lot of us, robots and camels do initially seem like an unusual pairing. However, across Middle Eastern countries, it is symbolic of the coming together of older traditions and new technology. It is thought that camel racing has been a prominent part of Arabian culture since the 7^th century as a national sport enjoyed by individuals from all walks of life. To address increasing safety concerns for camel-riding jockeys, after 2007, robotic jockeys took their place.

How to get involved: Similar to horse racing in the UK, camel racing events are a big deal in Middle Eastern countries, and are a great opportunity to get to know some people living in your local area. Organise a trip with friends and join in the fun!

Culture shock: “Queuing” – Expat from Hong Kong in the UK

Creative Commons / Wikimedia

Background: Britain is renowned for its diplomatic and largely reserved culture; perhaps the essence of this comes in the form of queuing. Queuing is something Brits pride themselves on doing especially well. The Industrial Revolution, which brought a huge influx of people to cities and forced them to establish informal structures, is said to have sparked Britain’s ritual of queuing – and it something the country has been obsessed with ever since. It has been estimated that Brits spend as much as 6 months of their lives in a queue!

How to get involved: The golden rule of queuing is: don’t ignore the queue. Whether it is queuing for Wimbledon or the London underground, do so with style and grace. Cutting in will not make you any friends!

Allison Furlong told us in her guest blog post about the culture shocks she experienced when she moved from Canada to Qatar. Here are her thoughts on overcoming culture shock: “All in all, culture shock, in all its forms, is a fundamental part of international travel. And while it may cause a little frustration at times, the amazingly positive benefits of traveling and living abroad far outweigh the negatives. Have positivity and perseverance, and take the time to do a little research”.

Visit our hints & tips pages for more insights from other expats. To see how countries are rated by expats in 2015, visit our interactive tool.

These are the top 10 countries for expat economics in 2015

2015-10-06T13:29:00.000+01:00

We’ve just released the results of our latest HSBC Expat Explorer survey, this year covering the views of over 20,000 expats from around the world.

The responses we received have been used to create three key league tables that together make up the picture for a balanced life abroad: Economics ,Experience and Family.

For the Economics league table, a number of different factors go into the rankings. These include expat’s views on their personal finances, confidence in the local economy, views on political stability, the ease of setting up a business and working life aspects such as career progression and job security.

Below is a ranking of the top 10 countries for expat Economics in the world, as revealed in this year’s survey starting at number 10…

10. Hong Kong

Hong Kong is a strong economic destination and particularly attractive to expats working in financial services (39% of expats surveyed in Hong Kong work in this industry). It has the best career progression opportunities of any destination with 68% of expats stating it is a good place for this and 86% saying that the chance to acquire new skills is better than or just as good as at home. As well as employees, entrepreneurs can benefit, as 54% say Hong Kong is a good place to start a business.

9. Oman

It seems that Oman offers the best of both worlds when it comes to expats enjoying increased disposable income and a better work life balance. Our survey reveals that 72% of expats there say they have more disposable income compared with the global average of 57%. Meanwhile 65% say they enjoy a better work life balance (compared with the global average of 50%).

8. Bahrain

For expats in Bahrain, this small Kingdom in the Persian Gulf offers a place for expats to both save more and enjoy higher disposable incomes. Expats in Bahrain are nearly one and a half times more likely than the global average to say they are able to save more and 72% say they have more disposable income compared with 57% of the global average.

7. Saudi Arabia

More than any other country in the league tables, expats associate Saudi Arabia with the financial side of life. Nearly three-quarters (73%) say this is the most important aspect of life when making the move. The country offers expats strong contractual benefits, a lower cost of living and a strong economy (68% say this is the case).

6. Sweden

Flickr - Miguel Virkkunen Carvalho

With Sweden’s more relaxed workplace culture and flexible working practices, it is no surprise that over 72% expats say their work life balance has improved since moving there. Despite earning less than some of the other countries in our top 10 list, expats enjoy the working culture and making the most out of the free time they have. One thing our survey clearly highlights is how 60% of expats in Sweden say they have seen their relationship strengthened since relocating.

5. Qatar

Beyond the country’s mesmerising sand dunes, many expats in Qatar gain from generous expat packages that help them to settle into their new surroundings. Three quarters of expats say they receive a relocation allowance from employers, which helps them to acclimatise to their new home and settle in quicker. You can also take a look at our Qatar Expat Country Guide for more great tips on moving, living and working in the emirate.

4. United Arab Emirates

The United Arab Emirates, and more specifically Dubai, offer budding entrepreneursa promising location to realise their business dreams. 86% of expat entrepreneurs in Dubai say it is a good place to start a business.

As well as entrepreneurs, expats working in the UAE also benefit from increased disposable income and workplace benefits such as travel and healthcare allowances – 88% of expats in Dubai say they get allowances for annual trips home compared with the global average of 33%, while 72% say they have medical allowances as part of their employment contract (compared with 52% elsewhere).

3. Germany

Germany ranks third in this year’s Economics league table. In a country known for its strong financial and manufacturing industries, four in five expats are confident about the German economy. Not only do expats feel secure about the country’s prospects, it also stands out as a place for career progression. Around half say they’ve been able to advance their career since moving there.

2. Singapore

Expats heading to Singapore enjoy a combination of financial and career advantages. Our results show that three in five expats in the city-state have boosted their earnings. Over a quarter (28%) of expats there earn more than $200,000, compared with just 13% globally and over half believe the opportunity to acquire new skills is greater in Singapore than it is at home.

With Singapore as one of Asia’s key financial hubs offering robust economic and financial fundamentals, it is no surprise that 78% of expats there express high levels of confidence in the local economy.

1. Switzerland

Switzerland is number one this year for expat economics. A strong local economy and wonderful opportunities for work progression make Switzerland an ideal destination for career-minded types. As well as the opportunity to progress careers and increase earnings, as noted by 53% and 65% of expats in Switzerland respectively, three in four expats also say they also have the chance to enjoy life outside of work.

Discover more about the best places to live and work abroad. Visit the HSBC Expat Explorertool to browse the 2015 survey data and see how different countries compare.

Expat entrepreneurs are drawn to the world’s financial hubs

2015-09-28T08:30:00.000+01:00

Every move abroad brings with it a unique set of challenges and adventures, but for those who are relocating to set up their own business or expand into a new market, this is particularly true.

With start-ups growing in volume and scale across the world, the title of the best places for entrepreneurs is one that’s hotly contested. What’s most important to entrepreneurs? How does this compare around the world? And what truly makes for a great business landscape in 2015?

In this year’s HSBC Expat Explorer survey, we have looked into all of these topics and quizzed expat entrepreneurs around the world about exactly what drives them to set up or expand. Here’s what they told us…

This year’s data reveals that the cities of London,Dubai, Singapore and Hong Kong are the four most popular places in the world to start a business, due to their strong economies, culture and business environment.

In Dubai particularly, there are twice as many entrepreneurial expats as the global average (9% compared with 4% globally). Over two thirds (68%) of those living there say Dubai offers political stability, a key factor in providing the right landscape for those who want to run their own business.

Throughout the survey, we heard from a number of respondents who praise the business environment in Dubai –particularly calling out the great potential for building networks, attracting new clients and reaping the benefits of an international business climate. But having belief and confidence in the local economy is also crucial; not only for establishing a business, but also for successfully maintaining its momentum.

Dubai scored positively in this respect, but it’s also a trend which extends to expats living in Singapore and Hong Kong (78% and 60% respectively), who say they feel much more confident about the local economy in comparison to the global average (48%). The data also supports a view from the World Bank[1]that these two places rank among the top places in the world when it comes to the sheer ease with which entrepreneurs can do business.

Another key part of this which has to be considered by any global entrepreneur is inter-connectivity; not just from a travel perspective but also technologically and socially too. Hong Kong and Singapore are widely lauded as having some of the fastest broadband capabilities in the world – a no brainer for any start-up – and the international travel networks which exist in London and Dubai mean that almost any other country is within (relatively) easy reach.

Looking at the survey data for London, Dubai, Hong Kong and Singapore, we see expats also calling out other benefits like work/life balance as a key part of living in these places. Despite their social landscapes being somewhat different, cities like London and Dubai are among some of the most renowned when it comes to social life – the phrase ‘work hard, play hard’ no doubt rings true among many expats who’ve made the move to these hubs.

Starting a new business, wherever you are in the world, seems to bring about a level of balance between work and personal life. Wherever entrepreneurial expats decide to run their own business, doing so does not significantly affect their work/life balance. In fact, it seems that the majority (58%) of people who move to start a business are more likely to report an improvement in their work/life balance, and a similar proportion (57%) say they are more fulfilled than they were before moving.

We can’t neglect the importance of looking at opportunities for self-development – a key benefit of entrepreneurship, and something that many expats living in London remark on. Here, expats are particularly likely to comment on the benefit they’ve had from learning new skills, more so than any other location (64% compared with the global average of 43%).

So we see that for many expats, these locations can quite literally offer the best of all worlds – be it a stable economy, positive political landscape or opportunities to network or develop new skills. If you were choosing a location to start a business, where would you choose? Let us know your top tips for expat entrepreneurs in the comment box below!

Discover more about the best places to live and work abroad. Visit the HSBC Expat Explorer tool to browse the 2015 survey data and see how different countries compare.

Find practical information, resources and guides about setting up your own business abroad with HSBC Global Connections.

[1] data.worldbank.org/indicator/IC.BUS.EASE.XQ/countries/1W

One global survey, 22,000 expats and a whole lot of views about life abroad... The HSBC Expat Explorer survey results are out!

2015-09-23T06:30:00.000+01:00

Living abroad can be exciting, challenging and occasionally daunting. There are many questions to ask before you go: what is it really like to live abroad? Where are the best places for my family to grow and develop? Where should I go to find fulfilling work, or develop my career?

These are big questions, and in our eighth annual study we heard from over 20,000 of you – our largest survey yet – about all of these things, and exactly what it’s like to live abroad.

This year’s HSBC Expat Explorer survey covered everything about expat life, from the most popular destinations for the career-minded to getting your finances straight; from finding the best lifestyles abroad to helping your children to adjust.

You’ll be hearing lots more from us on this in the next few weeks – but in the meantime, here’s a flavour of the places that top our league tables for expat life in 2015 and why they made it to number one.

Singapore is number 1 for a balanced life abroad

This year Singapore ranks first overall for a brilliant, all-around expatlife. As well as benefitting from increased earnings, expats living there praise the opportunities for career development and share their optimism about the local economy. But it’s not just a case of career and financial rewards. Expats also say they’re enjoying better physical health and feel safer in their environment since making the jump. Singapore is a big winner with expat families too, with three in five expat parents saying their children’s health and wellbeing has improved since moving.

Switzerland attracts career-driven expats

When it comes to finding career success and financial wellbeing, Switzerland is the clear winner, taking the top spot in our Economics league table this year. Over three quarters of expats there feel confident about the local economy and more than half say that it’s a good place to progress their career. The results also show that over half of the expats in Switzerland find work to be more enjoyable and satisfying compared to their home country. Combined with other perks like more disposable income, higher salaries and being able to save more, Switzerland’s benefits for career driven expats are very clear.

New Zealand – The best place for experiences abroad

With its beautiful scenery and relaxed atmosphere, it’s no surprise to see New Zealand leading the way for a fantastic expat experience this year. Expats there say they find it particularly easy to settle into the way of life, with one in three feeling at home instantly or within six months. The country’s great outdoors is a particular draw: over half of those living there say they’ve become more physically active since relocating.

Sweden is the most family friendly country in 2015

Sweden, a new addition to this year’s league tables, takes the top spot for expat family life. Expat parents in Sweden praise the childcare available – particularly saying that it’s easy to arrange their children’s education and at lower costs. A great number of parents also say that their children’s quality of life has improved since moving. What’s more, Sweden has a lot to offer to single expats looking to settle down or start a family: our survey reveals that two in five have found a long term partner in the Scandinavian country.

Browse the 2015 survey results and see how different countries compare using the ExpatExplorer tool.

We’d also like to give a big shout out to all of you who shared their views and experiences with us this year. Thank you for taking part in the 2015 Expat Explorer survey!

Expat problems and silver linings: overcoming challenges during a move abroad

2015-09-11T09:33:00.001+01:00

Expats who have gone abroad in search of a new challenge can find they’ve got more than they bargained for. Whether it’s more commonplace challenges like tracking down films recorded in your native language, or the emotional impact when realise you’ve lost your accent, living abroad makes for a more resilient and resourceful person. This post highlights some of the shared problems that expats face, and gives some tips to help rise to the occasion.

Keeping up with your home country’s pop culture

First time expats can prioritise activities like socialising and adjusting to their new surroundings. But in the rush to blend in and start a new life it’s easy to forget how much co-ordination is necessary to maintain ties with home. An easily overlooked link is pop culture. Ordinarily after a long day at work you’re able catch up with your favourite drama series from the same exact spot you left off and discuss the show’s revelations with your friends shortly after. But this isn’t always the case for expats who struggle to even access their favourite shows. Some expats have the added task of trying to find anything recorded in their native tongue and after long and strenuous searches are only able to find badly dubbed films they’re vaguely familiar with.

One imaginative way to bypass this obstacle is to start writing up your own fan fiction. This way you’re able to finish the season on your own terms, and bring to life the ending you want for the story’s protagonist.

Expat arithmetic

Nothing strengthens your mental arithmetic like the switch to expat life. Expats need to quickly and accurately convert many things. Whether it’s calculating how far you need to run to prepare for your 10K training, piecing together whether that bargain is as big as you’re being told or figuring out an appropriate time to phone your parents with an update, counting becomes a big part of your day.

For those that are not mathematically minded, calculation is one of those skills that just gets better with practice. Instead of dreading converting the metric system to imperial, seize the opportunity to exercise those numeracy skills.

Creative Commons – Anssl Koskien

Where did my accent go?

It can be a comforting and familiar feeling when you encounter someone from your hometown on your expat journey. Although you may have only just met this person conversation often flows when you discuss town customs, celebrations and oddities. But as the conversation progresses you discover that they’re talking to you like you were merely a visitor passing through, instead of a born and raised local. Then as you hear your accent next to theirs you realise that it’s become diluted and you’ve lost your twang.

Although this can feel like you’ve lost your grasp on the home you’ve left, think instead of how far you’ve come. A noticeable contrast to a time when you could barely understand the local dialect, you’re now fully embedded into it.

Working out vacation times for the expat kiddies

The final issue is a reality for many expat parents. Families living abroad may plan their annual holidays to ensure that their mini expats are able to spend quality time catching up with their family and friends from home but these attempts can sometimes be thwarted by school schedules that no longer match. Little travellers who are excited about being reunited with their loved ones may soon find that they need to patiently wait for their friends to finish the school year. So even though the distance has been removed another obstacle to their reunion has taken its place.

Seize this opportunity to have quality family time with your loved ones in the place that you call home. By giving your mini-expats a tour of your old haunts, you’ll be making the most of this precious uninterrupted time, whilst helping them to foster a sense of belonging …before they are too busy with their friends.

Let us know which expat problems you’ve encountered on your travels and the solutions that you’ve devised to conquer them using our Hints and Tips tool.

Things for expats to remember on their house hunt

2015-09-04T13:49:00.001+01:00

Wherever you are in the world, there’s no getting away from the fact that house hunting – while often an exciting prospect at the start - can quickly start to feel like a chore. Whether it’s endlessly browsing property websites, going to dozens of viewings or trying to keep your frustration contained when your realtor continues to show you the wrong places; we can all relate to these sorts of problems. Throw in an unfamiliar country and the whole thing can quickly become a tricky task to approach – it can be difficult to know where to start.

As is always the case with a move abroad, there are plenty of challenges along the way. But finding somewhere you’re happy living is an experience that should be savoured – it’s an exciting time, and with a bit of forward thinking and organisation you’ll find that the difficulties are easier to overcome. You might even find that you start to enjoy the process! Here are a few pointers to help you make the hunt for a new home abroad:

Organisation is key

Time is of the essence for expats on the search for accommodation, this is especially true for those that might be slowly spending their decoration money on an extended hotel stay. So the best way to make the most of your time is to organise it well. Before even setting off, make use of all of the resources available to make sure that you’re able to hit the ground running. Whether it’s researching on the internet, contacting your future colleagues, or even connecting with other expats that have had similar experiences in the area you’re moving too, gathering intel on the city you’re going to and the local processes will go a long way towards helping you prepare.

What do you want?

Sometimes we just don’t know what we want until we see it – but having a clear vision in your mind of a few things that you’re looking for is a good place to start. Have a look at yourself and your current home and lifestyle. If you’re more traditional you may be after a more classic house in the suburbs with the white picket fence and community feel, but if you’re a more eccentric personality you might feel more at home in the centre of the city so you’re in the middle of the mix. Think about what works now and what you want to get out of your life abroad – having these points in mind from the outset will help a lot.

Creative Commons - Laura D'Alessandro

Rent Vs Buy

How long will you be staying at this location? If you’re still unsure during your search perhaps it might be worth renting initially. Another thing to consider is the property market of country that you’re moving to. In Germany for example you may be an expat relocating for a long period of time with a family, looking for a house to buy to ensure stability for your kids. But finding that could be trickier in a country where most of the properties are rentals; you’ll find that levels or ease of home ownership often vary from country to country. This is usually the result of a culmination of factors, such as the country’s culture, values and local legislation, which is why it’s also worth enquiring into what the landscape of the local property market looks like.

Want Vs. Need

When presented with all sorts of fascinating features you need to remember that your home still has to be practical. Although you may be in the country of your dreams and presented with the opportunity to live in a house that looks like it belongs in a magazine, it is wise to check the property against a list of things you need. It’s rare to find one property that meets all of your needs, so make sure that your list has a clear priority order, so that you’re able to quickly and easily calculate if you’re willing to sacrifice air conditioning for an apartment next to the office. Flexibility can go a long way in preventing you from having a long and arduous search.

Schools

If you’re relocating with the family you’ll also need to consider everyone’s needs and schedules when making your trade-offs. So although a property may be aesthetically pleasing it can quickly turn into an eyesore if it’s located in a neighbourhood where the schools are hard to reach and family friendly leisure activities are few and far between. The major things that help a family to settle in are their friends, neighbours as well as the guidance of others in the expat community. So consider this as you browse around – do you want to venture outside of the expat bubble, or stay within it?

Creative Commons - Arbyreed

You’re not only shopping around for a house, but you’re also on the market for a welcoming neighbourhood to help with a smooth transition, which arguably goes a long way in helping you to find that perfect property: wherever you’re headed!

Let us know what helped you on your house hunt using our Hints and Tips tool!

A glimpse into the mind of a seasoned expat: As told by the expat community

2015-08-28T16:11:00.000+01:00

The difference between seasoned expats and first timers is often more than just the amount of times that they’ve lived abroad. It’s often the mind-set they adopt in their new location. Whether it is the enthusiasm shown when learning about new customs, the charisma shown when networking or the willingness to practice and be corrected in a new language, an experienced expat’s mind-set is just that little bit different.

Everyday life

Whether you’ve been taught to eat your food using stainless steel cutlery, or been instructed to eat with chopsticks, letting go of cultural norms that have been drummed into you since the day you were born is not easy. As you step off the plane and feel the breeze of a new land brush your past your face, you should prepare yourself for the experience that is to come. One part of this is accepting that life will be different, but that is what makes life as an expat so exciting. Seasoned expats don’t grimace at the thought of burning their tongue on an unexpected spicy local delicacy or cringe at the thought of joining their colleagues at a karaoke bar, they join in. Expert expats are often more worried about missing out on these cultural quirks as they make for the most interesting stories.

Accommodation

The chance to live and work abroad is a truly amazing occasion. You’ll get the opportunity to have new and varied experiences, meet new people and maybe even migrate to a better climate. With that said it is not a holiday and for that reason requires a lot more preparation. Many veteran expats make sure to research costs, find appropriate accommodation and budget wisely. Treat expat life like a marathon, pace yourself properly and the rush of endorphins will carry you to new highs!

Networking/Making friends

When starting from scratch in a brand new placefriends are vital. They can help you with settling in and adapting to the new culture. For this reason it is easy to be in a rush to make as many friends as quickly as possible, but it is vital to be patient and loyal to those who help you in the early days. An experienced expat remembers that patience is key when communicating through language barriers and cultural differences. Little things such as the inflection of the voice can mean very different things when communicating in a language that either you or the person you’re talking to is not familiar with.

Transport

Whether it’s walking in London, the funicular in Switzerland or a motorcycle in Vietnam, changing up your mode of transport can really do a lot to inform you of what’s is currently available to you and educate you on the country’s rich history. By adopting the local form of transport you become attuned to the rhythm of your new home and gain a greater understanding of the locals and their experiences.

Language learning

The best way to learn a languageis through immersion. Being constantly surrounded by the dialect and people fluent in it allows you to learn much more quickly than any audio book or classroom experience.

How many of these philosophies have you adopted in your approach to expat life and how many additional thoughts do you have to share? Tweet us @expatexplorer with your mantra.

Preparing for Repatriation: A Masterclass

2015-08-25T16:37:00.000+01:00

As an expat, it’s unlikely that you’d consider moving abroad without doing your research. The beginning of an expat journey can often feel daunting, so doing some reading on what life will be like abroad, how hot or cold the weather will be or even looking up key phrases will always be useful.

However, it’s not just a case of preparing for the start of an expat journey. There’s also plenty of value in thinking about how you’ll approach the end of your expat life as well, and the prospect of repatriation can bring a lot of things to consider. If you’re heading home, it’s worth being ready for the prospect that things may not be as familiar as you remembered – here are our top tips for getting ready to go and making things easier once you’re back:

Lesson 1 – The same, but different

Although it may feel as though repatriation is a return to the familiar, it is worth preparing for the once familiar to feel somewhat peculiar. We all understand that the bustling cities we left behind did not cease to exist in our absence. However; you may be startled by how much has changed as you send an invite for a reunion brunch at your favourite restaurant, only to have your friends and well-wishers inform you that the bistro relocated shortly after you’d left.

Be ready to accept the idea that things might not be exactly as you left them – embracing change and trying to maintain a positive attitude will help you to get to grips with returning home, even if it’s not exactly what you’d expected.

Lesson 2 – Read, read and read some more

When returning home, the preparation you need to do might not be as extensive when you first went abroad but it does help to keep up with conversations about your local area. Ways of doing this are numerous, but mostly it helps to focus on doing your reading; whether that’s through news, participating in discussions on social media groups, setting up alerts to keep you posted on events at home, or keeping in touch with a network of friends and family – you’ll need to have an idea of what to expect when you arrive. These are some unique and meaningful ways to catch up on pop culture, legislative changes and maintain connections with loved ones, because as we mentioned in the previous point, life has, to some extent, gone on without you. By doing this the return home will feel much more comfortable, as you can return knowing that you’re a clued up local once more.

Creative Commons – Wolfgang Lonien

Lesson 3 – Homesickness

For many touching down at the airport it is likely they’ll receive a hero’s welcome; family, friends and well-wishers may wait with baited breath at the arrivals lounge as they look forward to welcoming you home. But after this newly acquired celebrity status fades away, and you process the excitement that follows the reunion, you can expect a mixture of emotions – there’ll be highs, but you might also find that there are lows, for example homesickness for the life that you built for yourself and your family abroad.

Expats may experience a rollercoaster of emotions after leaving a country they truly immersed into. Although emotions can sometimes feel a bit mixed after a return home, it’s worth keeping sight of the fact that even if it’s difficult – you’ll overcome these difficulties in the same way that you did at the start of your journey. Settling back in, reconnecting with friends, progressing a career or helping your family to grow and develop; these priorities will usually stay the same wherever you are in the world.

Above all else, it’s worth bearing in mind that sometimes more than one country can become ‘home’ – and settling back into life in one country doesn’t mean you need to sever connections with other places that you’ve lived. Keeping track of your expat memories, as well as thinking about how you can keep these alive for you and your children is one way to make sure that you keep close to your experiences – however your expat journey ends!

Creative Commons -Darriel Street Photography

The top 10 beach getaways for expats

2015-08-21T18:19:00.000+01:00

We understand that life as an expat can be stressful at times but relocating can unlock a world of opportunities to explore. If you’re in the UK, why not take a long weekend trip to Europe; or in the US, explore the different states around you? If you’re feeling a bit short on inspiration, never fear; we’ve put together just ten of our favourite beaches around the world to guide you the next time you’re looking for an escape from the daily grind….!.

Australia – Whitehaven Beach

If you are residing in Australia, Whitehaven Beach needs to be on your list of things-to-visit! It is a 7 kilometre stretch of pure bliss running along the east coast of Whitsunday Island – just a boat’s trip away from Airlie Beach and Shute Harbour. Many argue it’s the best beach in the world, and we can guarantee you will not be disappointed by its awe-inspiring beauty.

Creative Commons | Flickr

Thailand – Ko Pha Ngan

Ko Pha Ngan provides a vast array of different style beaches – whether you want to party or watch some of the most beautiful sunrises in the world – Ko Pha Ngan has a beach that will blow you away.

Japan – Aharen Beach

Tokashiki Island is home to a number of spectacular beaches, but Aharen offers an intensely distinct special feature – marine life. Its clear blue waters are home to a number of different sea creatures, including whales, manta rays and five different types of sea turtles - an unforgettable experience that also gives you the opportunity to snap some envy-inducing photos to share with people back at home

Wales, UK – Rhossili Beach

Rhossili beach is the first UK beach to be named in the world’s top 10 beaches*. With a 3 mile stretch of sand and great waves for surfers – you will not find a better beach in the UK! Surrounded by beautiful country side, the area offers plenty of camping spots so that you can catch the sunrise or sunset with ease. The biggest decision you’ll have to make is whether to go for a caravan or a tent!

Italy – Rabbit Beach, Lampedusa

The Island of Lampedusa is home to a number of fantastic beaches, but Rabbit Beach is unquestionably the front runner. The U-shaped cove is lined with bright white sand and sky blue water, perfect for anyone that wants to top up their tan or just relax in the sunshine. It can get busy, so heading there earlier in the day means you’ll bag a top spot while also avoiding travel in the heat of the midday sun.

Creative Commons | Wikimedia

Brazil – Baia Do Sancho

Baia Do Sancho was voted the best beach in the world*, and it is - quite simply - a sandy paradise. The experience begins when you’re climbing down steep ladders between cliffs, following narrow paths until they open out into stunning gold sand. Relax in the sun whilst the waves crash onto rocks that enclose the seaside utopia.

Philippines – El Nido, Palawan

El Nido offers a great blend of a vibrant town atmosphere with gorgeous white beaches. There’s plenty to do at night time and the world renowned sunset lover’s beach is just a short walk away!

Mexico – Tulum Beach

Tulum offers a unique blend of history, culture, cuisine and fun. With fascinating ruins right around the corner and delicious restaurants never more than a stone’s throw away; it is the perfect spot to soak up a bit of history whilst capitalising on the ever-expanding list of activities available on the picturesque seafront.

Creative Commons | Flickr

Cephalonia – Myrtos Beach

Though the island of Cephalonia might be more popular with tourists, we couldn’t resist including it in our list because of the incredible Myrtos Beach. Surrounded by typically-Greek Mountains, the natural beauty will send you into the deepest state of relaxation – a perfect destination to chill-out.

Malaysia – Pantai Tanjung Rhu

Finally, the Tanjung Rhu beach located on Langkawi Island presents itself with a delightful white-blue-green landscape from the sand to the ocean to the surrounding trees. The water is so breathtakingly transparent that the extravagant arrays of fish are clearly visible swimming near to shore. Bring your camera!

Techno-Expats: How Do You Communicate?

2015-08-18T16:05:00.000+01:00

There’s no question technology's been a game changer for expat life, particularly when it comes to keeping in touch. Moving abroad means you're not cut off or separated - if anything, you're more likely to stay in touch due to all the new channels which have been created to keep people connected.

From video calling to video diaries; blogs; social media channels to digital messaging - there's always a way to stay in touchwherever you are in the world, be it a buzzing and connected city or a remote rural location. For some, the steady stream of alerts we receive notifying us of a new message or interaction can feel a little over-bearing – but even this can be managed through an array of settings to make sure you’re able to keep on top of who’s contacting you and when, however you choose.

The choices we have for communication are only set to grow, with experts working on new prototypes all the time. Who knows what this could mean for future expats - will we one day be able to beam digital versions of ourselves to different locations around the world, or arrange a virtual reality coffee with a friend overseas? Perhaps!

Creative Commons - Mark Ficher

Many expats recognise and embrace the benefits of this raft of communication options. After all, a move abroad brings with it a lot of things to consider, but one of the most vital questions is how we keep in touch with the people we leave behind; staying up to date and maintaining important relationships.

While digital solutions give us a fantastic outlet to do that, they also highlight the progression we've made from more traditional forms of communication, particularly the letter, which many consider a lost art. As our communication evolves, it feels like we’re at risk of losing sight of these more original forms. Who doesn't love receiving an envelope or parcel from someone they care about for example?

There's something about it which brings an element of mystery and warmth that just isn't delivered by email or messaging. This can be particularly comforting if you're feeling alone or isolated. There's also a sense of permanence which doesn’t come from emails or texts, and having something tangible that can be saved and preserved as a memory from your experiences abroad.

New communication technologies should be embraced, especially given the role they play in (most) expat journeys. Feeling completely connected is comforting for many; particularly when instant communication is needed to stem homesickness or see the face of someone you care about. However, as with anything in life there might be a case to make for striking a balance, this time between old and new.

So perhaps next time you hang up from your video call, or exit the family messaging group, think about how you can progress this with a nod to the old-school way of doing things. Grab a postcard, old menu, coaster, newspaper article or photograph - scribble a few words, and put it in the post. It'll probably make someone's day.

When it comes to keeping in touch, which do you prefer - digital or old school, or a balance of both? Tweet us @expatexplorer or leave a comment below.

A soundtrack for your expat journey

2015-08-13T15:32:00.000+01:00

Life as an expat is a fast paced adventure, which is often filled with a lot of different emotions. As with many experiences in life, music can work to enhance particular moments. It can also be a powerful tool to record your experience, triggering feelings of nostalgia and enabling you to relive specific experiences. By making a playlist of songs reminding you of key moment of expat life, you will be able to be transported back to an exciting time in your life in years to come. Here are some suggestions of songs to be on the soundtrack to your expat journey!

Songs for moving:

Packing your life up into boxes is nobody’s favourite task, and leaving a place you have called home can be bittersweet. Saying goodbye can be difficult, but it is important to remain positive – even if you’re sometimes unsure about what’s ahead. Getting cold feet is normal; but keeping sight of what’s ahead and focusing on why you decided to make the move will help you to keep the nerves in check. Becoming an expat will be inevitably be a rollercoaster of emotions – but the exciting times ahead will balance out the difficulties, and taking the rough with the smooth is all part of the adventure ahead. If you need something to give you a bit of motivation to pack up the final few bits and keep things positive, try these tunes:

Movin’ On Up – Primal Scream
Pack Up– Eliza Doolittle
Shake it Off – Taylor Swift
Changes – David Bowie

Songs to explore to:

Your first few weeks of expat life are likely to be a whirlwind of exploration, learning phrases of the local language, and finding your way around your new area. Whether your exploringconsists of a self-guided tour around your nearest town, trying out a new restaurant, or hiking up a mountain – it is a special time, and one that is likely to stay with you for many years to come. Here are a few songs encapsulating the spirit of travel, adventure and exploration for you to add to your expat playlist - play them now and in years to come relive this exciting part of your journey:

Around the World – Daft Punk
The Passenger – Iggy Pop
Ramble On – Led Zeppelin
Keep the Car Running - Arcade Fire

Songs to settle down to:

The first time you feel at home abroad will be quite a significant milestone; when things which for months seemed to be a daily challenge are now an established part of your daily routine, or perhaps when a second language starts to come naturally. Songs that remind you of this time are likely to come from your own personal experience; the song you listened to the first time you sat in your now favourite café, the time you watched a local band play, or even just spending quality time with friends – old or new. Here’s our list of songs to get you started on the road to settling.

Home - Edward Sharpe and the Magnetic Zeroes
Homeward Bound – Simon and Garfunkel
Sweet Disposition – Temper Trap
Sweet Home Alabama - Lynyrd Skynyrd

For more ideas on getting the best out of your expat experience, visit the Expat Explorer blogspot, or our hints and tips pages.

Routine? What routine? We’re in the land of the least expected outcome

2015-08-07T13:59:00.002+01:00

I live in Abuja, the capital city of Nigeria, with my husband. As with many expatriates, there’s a long story to how we ended up here; the short version is that we needed more variety in our lives. We were in Singapore previously—a posting I loved and a country I will always love—both working as journalists.

You don’t become a journalist for the money; you become a journalist for the variety, for the adventure, for the feeling of possibility about what might happen that day. For one reason and another, we had both ended up in jobs where those things didn’t feature. So we moved to Nigeria, or as I call it, The Land Of The Least Expected Outcome.

This is supposed to be a post about routine. I can’t tell you a thing about routine. I don’t have one and I suspect I’d struggle to get one going even if I put my mind to it.

I wake up roughly at the same time every day, but it can depend on how many power cuts there have been during the night. A good night is one power cut, a bad night is six or seven power cuts. A really bad night is no power at all and therefore no air con and no running water, but these are thankfully rare.

I work from home, and my productivity depends entirely on whether my wifi is working or not. If it isn’t then I have a break of anywhere between five minutes and nine hours to read, to write, to exercise or to sit in the garden with a mug of tea watching the lizards fight.

In the evenings we might drive out of town to watch the sun set, assuming there’s enough fuel at the pumps. We might try out a new bar for quiz night, only to discover there’s never been a quiz there and it’s Lebanese evening. We might be at home, assembling a hotchpotch cold supper by candlelight during a power cut or making sorbet from the surprise delivery of 40 mangoes from a friend that arrived on the doorstep that day.

There is always something unexpected happening to change the course of the day. For instance, as I am typing, I can hear cheeping from the five peacock chicks in my garden that arrived earlier on. Some of this afternoon will be spent shooing them out again and trying to find their parents. Where did they come from? They escaped from the nearby zoo, of course.

Are there days where I’d like more predictability? Maybe, but only if there’s a deadline involved and circumstances conspire against me. Otherwise the lack of routine teaches me to be more flexible and more relaxed in a way I never was in London or Singapore.

Do I miss the feeling every day of knowing what will happen almost to the minute, from waking up to going to sleep? Never. This life is not for everyone, but it seems to be for me.

Clementine Wallop is a British writer and researcher living in Abuja. She blogs weekly for The Daily Telegraph, tweets @CWallop and posts pictures of Nigeria on Instagram @clemwallop

On the Move Again: Travel Tips for Serial Expats

2015-08-05T14:46:00.000+01:00

How many times have you moved abroad? We know that plenty of you are serial expats, who are clocking up homes in lots of different places around the world and so have a lot of experience with the process of packing up, moving and finding your feet when you arrive.

But a move anywhere can always be a bit stressful and there are always new things to think about. With that in mind, we’ve created this list of top tips to help you keep stress to a minimum so you can enjoy the next step in your expat journey.

Know your commute options

Wherever you are, there is always a chance of travel disruptions so it pays to understand the local transport that’s on offer. Just recently, the London Underground closed completely for an entire day and workers from all over the city had to find alternative ways of getting in to work. Failing to prepare for such an occurrence can be disastrous so make sure you know the bus routes – or in the case of some cities – the ferry routes!

Creative Commons || Flickr

Bring entertainment for long layovers!

For the serial expats among you, you’ll know just how boring long airport layovers can be. It seems trivial but discovering which lightweight, travel sized games can keep you and the family entertained during hours of waiting will become an invaluable feature of live on the road (or in the air!). Whether it’s a simple card game, a PSP or even knitting – ensure you’ve got something to fill the waiting time and the entire transition will fly by.

Look for fun ways to get to know a new city quickly

There are a number of ways to discover the wonders of your new location – getting a city tour bus is a little cliché and it’s not always interactive enough! Grab a few expat (or local!) pals and go on a city treasure trail – for a lot of large cities, you can find these games online. Follow hints and clues that lead you to the intricately beautiful details of the city that just can’t be seen from the open top seats of a trundling red bus.

Creative Commons || Wikimedia

Embrace what it is to be local

Wherever you are – go out and find your local shop, restaurant, bar or pub and become a regular! You’ll soon start forming friendships with locals and it will undoubtedly speed up the process of making yourself feel at home which is crucial to those who know they’ll be on the move again soon. Befriending a nearby establishment is a quick way to familiarise yourself with local people whilst potentially enjoying some great food and drink!

Don’t forget the little things…

It’s easy to get lost in all the excitement of starting a life in your new host country, but it’s important you remember to plan all the little details which will undoubtedly save you a lot of hassle in the long run! This could be anything from checking which plug sockets the country uses, finding out about local phone contracts or bank accounts to finding out where your nearest convenience store is for your bread and milk on day one. Spare yourself the stress and plan ahead – we’d recommend writing a list!