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6 Reasons Why You Should Relocate Overseas

Six Reasons Why You Should Move Abroad

The traveling bug seems to have taken the world by storm. One can also call it the “expatriation bug” as people are moving abroad in increasing numbers. While there are people who are investing their time to explore new pastures for the sake of adventure and fun, there are many who are actually looking to turn it into a way of life. In fact, the idea of departing from an old and mundane lifestyle to a new beginning seems extremely inviting.

Though the very thought of beginning from scratch might appear to be intimidating initially – if you have put your mind to it, you will soon realize the amazing benefits of relocating to a foreign location of your choice. Listed below are some of the wonderful advantages of moving overseas in 2019, six to be precise:

1. Opportunity To Explore New Culture:

Moving abroad allows you to step out of your comfort zone and embark on a new journey wherein you get to explore a new country and its culture, people, food, and language that is completely alien to yours. Besides some new and stimulating experiences, you learn to set up things for yourself independently such as doing the daily chores, making a living etc. while grappling with new challenges. This gives a strong boost to your confidence, which is extremely important to settle down in a new country.

2. Better Employment Opportunities:

Though the aspects of an expat life might appear to be difficult, yet, there are several facets that make this endeavour extremely rewarding. One of the most significant reasons why moving abroad is catching up amongst people, especially millennials are promising employment opportunities. Countries such as Canada provide a perfect destination to people looking to begin a new professional journey that is extremely fruitful and rewarding.

Tokyo City

3. Strengthening of Your CV:

Working abroad will help you develop new skills that are significant to sustain oneself in a competitive job market. The skills and expertise gained abroad can make your CV look impressive and provide you with an upper hand vis-a-vis your counterparts. Who knows your prospective employer may be simply impressed by your newly formed qualities. It has been documented that taking an overseas work assignment can really benefit your career long term.

4. Better Lifestyle:

Often, folks consider relocating overseas with a vision of starting life afresh. By getting access to new opportunities, they intend to have a luxurious lifestyle, which they might have been yearning for in their home country. Countries such as the UK, Canada etc… with their advanced infrastructure, a strong economy, and low tax rates are extremely alluring for people willing to relocate.

Tokyo Airport

5. Broadened Outlook Toward Life:

Once you migrate to a new place, you tend to broaden your horizons by stepping out of the dependable comfort zone that you relied on earlier. As you meet new people, explore a new culture, taste new food, and above all travel around, you will be able to form new attributes that will broaden your outlook toward life.

6. Appreciation for Yourself:

Living in a foreign location provides you with several opportunities for self-actualization. You will learn to understand certain traits about yourself, which you were probably unaware of earlier. While some of these might leave you introspecting and improvising, some may make you adore yourself more than ever before. After all, the most important relationship a person has in their life is with themselves.

Yet wait, another reason to move abroad is to potentially earn more money. It has been reported recently that you can earn more money if you move abroad as companies employing expats often pay a salary that is higher. Multinationals often provide better benefit plans and superior global insurance coverage. You may even benefit by paying fewer taxes while living abroad.

The aforementioned reasons are just the tip of a massive iceberg, and there are many others that can fuel your zest to resettle on distant shores. However, if you are keen to write a new success story, just take the leap of faith to realize some of the most promising benefits. We would be remiss if we did not mention the importance of obtaining global health insurance coverage before you move abroad, but it is possible to get global healthcare if you are already living abroad.

Expat Careers

Top 10 Expatriate Careers in 2019

Learn About the Top Ten Expatriate Careers in 2019

The decision to move abroad has been made, and the process of organizing your checklist of tasks to accomplish before taking off has begun. There will surely be lots of things to consider while planning your move abroad; however, one task that should be high on your list will be your search for a job. Securing a job will facilitate your move by securing funds, increasing your local network, facilitate your ability to rent an apartment and so on.  We have created a list of the top 10 industries for expats working abroad to help you discover where you’ll prosper! It is important to remember which opportunities are best for you and where you believe will allow you to call a new city home.

1. Hospitality

The hospitality industry is known for its social and high energy environment. If you are looking for a career that allows you to explore new cultures and to fully immerse yourself in the day to day life of local natives, hospitality is the job for you. With the advantage of being diverse and flexible, jobs within the hospitality industry – such as working in a restaurant or a hotel – are a wonderful way to join the community and understand local traditions, cultures, and way of life.

2. Resort Staff

Living in a resort is a dream for many people, however few can experience the opportunity due to high costs. If this sounds familiar to you, or you simply are looking for a new adventure, then working in a resort may be your best option! Working abroad in a local resort has an amplitude of benefits, such as wonderful accommodation, food service and the beautiful sceneries. There is no limit to where your resort stays may bring you – whether that be the beautiful African Sahara or the stunning beaches in Greece.

3. Tourism

The tourism industry is the perfect balance for people who are continuous adventure seekers but also want the stability of a career. If travelling is one of your biggest passions, a wonderful benefit of getting involved in the tourism field is that it allows you to help others fulfil their biggest dreams and desires to travel the world. The flexibility of working in tourism is another important benefit to consider. If you prefer an office position while on your downtime for travelling, you can easily obtain a job for a local travel agency; however, if you prefer to maintain an active lifestyle you can find jobs as a flight attendant or a tour guide.

Tourism

4. Education

Joining the education field is always a satisfying and enjoyable opportunity. There are many options that one can take as an expatriate that is wanting to get into education. Whether you decide that private tutoring is the way for you, or take the more traditional approach and teach a full classroom, both options will surely satisfy your teaching desires. Teaching abroad is a wonderful opportunity to expand your skills as it allows you to work with a diverse group of people, as well as allows you to expand your experiences and connections with those in your new community.

5. Au pair

An au pair is someone who moves in with a family and takes care of the children and some basic household needs. It is a fantastic opportunity for young adults to experience a new city while helping a family. Typically, a host au pair family will pay all the expenses for the worker (lodging, food, weekly allowance etc.) in return for the help of au pair. It is particularly popular for families looking to incorporate a new language into the family, as they will often bring in an au pair from a foreign country that can teach a new language. An important aspect of being an au pair is to ensure that you have discussed expectations of hours to work, time off etc. in order to avoid any complications down the road!

6. Nursing

Working abroad as a nurse is an amazing opportunity to gain new knowledge and expand your experiences in the field. Working in a new country will allow you to treat patients from different backgrounds and new techniques in the medical field. As rewarding as a nursing job abroad is, it is important to note that you will need to be a registered nurse in your home town in order to transfer to a nursing job overseas. Transferring to a new country may require an entrance exam for the country, so make sure to do all the proper research before making the move.

7. Photography

What better way to expand a photography portfolio than to jump into a career in photography while living abroad. The opportunity to gain new insights and designs from a new environment will surely bring new creative designs and looks for anyone’s portfolio. Another advantage of starting a job in photography is that you often have the ability to work as a freelancer – meaning you are less likely to be tied down to a standard 9-5 career.

Photography

8. Marketing & Public Relations

If you see yourself as a more creative person, a job in marketing or public relations could be the best option! In a field that thrives in a dynamic and continuously changing environment, marketing allows someone to fully integrate their own personality and values into their jobs. With the field of marketing vastly growing, the number of international jobs that are readily available for expatriates moving abroad is on the rise and have proven to be extremely successful and enjoyable for new workers.

9. Business

With the movement of today’s global industries, the international approach for many companies is becoming very predominant. As these companies continue to expand, the opportunity to interact with international clients is rising in popularity. A wonderful way to strengthen your professional profile is to jump into the business field and learn how to communicate and interact with a largely diverse population. Business opportunities can take you anywhere in the world – whether it is getting into the finance industry in Denmark or the fashion industry in France, you have the chances to travel the world while advancing your career.

Business

10. Teaching a language

Last but not least, one of the amazing jobs you can do while working abroad is teaching English. In today’s day in age, English has become one of the leading languages to learn, and many foreign parents and young adults are on the hunt for professional English tutors. The opportunity to choose just about anywhere in the world, the ability to travel, and work digitally are just a few of the benefits of this amazing job field.

Don’t Forget Global Health Insurance When You Work Abroad

Before you take on any career abroad, it is important to obtain global health insurance coverage through your employer’s global benefit plan or an individual expat healthcare policy that will fully cover your medical expenses and those of your partner and family members. Medical expenses can be extremely expensive overseas or medical care and health coverage may be substandard locally. Your work abroad may also take you to different locations where a domestic policy won’t cover you or you may move from one expat destination to another. Contact our firm to learn more about the excellent international health coverage that we can source for you today.

Global Insurance

What is the best health insurance for a family during long-term international travel?

If you are going abroad for a year, it is highly likely that you will be giving up your domestic health coverage, which may not cover you abroad. Thus it is important to obtain a global health policy that will cover you and your family while living and travelling abroad AND also back home. You have the option to purchase an emergency travel medical insurance plan, which would be less expensive, but it will only cover emergencies and only while abroad – you will want to keep your domestic cover in place. Travel medical insurance plans are often best suited for short and medium term trips abroad.

Global Health Insurance

comprehensive global health insurance policy would generally be your best option. You can often choose from basic to comprehensive plans with small or large deductibles. Most plans offer you customisable options, beginning at basic hospital coverage with the option to add options as you need:

  1. Out-patient care – covering expenses that you may procure outside if a hospital, such as prevention, diagnosis, and rehabilitation.
  2. Wellness – such as seeing a medical doctor for a basic checkup as well as counselling
  3. Medical Evacuation – In case you are unable to be treated locally, medical evacuation is an important option to relocate you to a hospital that has the proper facilities.
  4. Dental and Vision – coverage for basic check-ups with a dentist and optometrist
  5. Coverage for the USA – this is a very important add-on if you are an American expat or reside close to the USA and are required to obtain medical care in the United-States.

global medical

Note that when you obtain a quote, you will need to tell the insurer what the main country of residence will be – meaning where you plan to spend the majority of your time as the rates are determined by where you will be living. Most plans are able to be quoted and purchase online to facilitate the process. 

At Expat Financial, we can help facilitate the process, as well as answer any questions along the way that may arise. We specialise in obtaining international health insurancelifetravel and disability insurance for individuals, as well as dependent family members while living abroad. We are a leading source of international health insurance plans with global health insurance coverage from various insurers that offer the best in international health insurance.

Challenges faced by expats

Top 12 safety tips while overseas

Nothing is bound to ruin a holiday more than feeling unsafe or running into scams and difficulties. When travelling to other countries, it’s important to always keep international travel safety in mind. Travel risk is unavoidable, but we have created a list of 12 tips that will increase your safety so that you can enjoy your holiday!

1. Get your vaccines before leaving

An unexpected illness can truly ruin a holiday. Make sure to be fully up to date on all your vaccines and double check all the recommended vaccines for your travel destination. Most countries will have a categorized list of all the recommended vaccines for international travellers, and where you can go to get your vaccinations.

2. Use cash when possible

In order to avoid high credit card and debit card fees, we recommend using cash whenever possible. It is also highly recommended that you separate your important cards in case of theft. Have backups if possible, as well as an emergency cash flow just in case. It is important to separate cash, cards and identification cards for any potential problems. Of course, it is also important not to carry too much cash with you and not flash cash when paying your bill in order to avoid becoming a victim of crime.

Medical Expense

3. Have an international phone plan

In case of emergencies, you will want to have access to a phone that has the ability to call internationally. Whether you need to call your family back home or your insurance provider, you won’t want to be stuck trying to find a phone with international capabilities in times of emergencies.

4. Research cultural norms

When travelling internationally, especially to culturally diverse regions, it is crucial that you do your research on cultural norms and how the local population behave on the day-to-day. It can be dangerous to be in a situation that is culturally acceptable in your home region, and unaccepted in the region you are visiting. Local natives can find offence to certain behaviours, and it is recommended that you behave in culturally appropriate behaviour for your protection.

5. Tell your bank before leaving

The last thing you need while travelling internationally is to have your cards cancelled or put on hold while away. In order to avoid any situation where this could happen is to notify your bank before leaving. Many banks don’t require notification now, but we recommend always placing a note with your bank for your accounts to avoid any potential of the card holds.

6. Travel in Numbers

Travelling in numbers is highly recommended when travelling internationally. A large group of people is much less of a target for potential danger than comparison to someone travelling alone. Another important note while travelling is to project situational awareness. If you are in a foreign land, it is very important to project, to the best of your ability, situational awareness. If you are in an environment with confidence, you are much less likely to attract potential scammers.

Travelling

7. Know your destinations food & water safety

Many regions while travelling internationally will have different food and water restrictions then you have in your home town. If you are travelling internationally, it is very important to research the food and water safety warnings that are in place for those destinations. This will allow you to avoid any potential foods and water derived illnesses in order for you to enjoy your trip!

8. Have electronic copies

Although we recommend printing all your necessary travel documents for your travels, it is also highly recommended that you have access to electronic copies of all your important travel documents – including hotel + flight bookings, passport photos, and insurance policy numbers. This is a preventative precaution in case you lose any of your paper copy documents.

9. Have embassy/consulate contact information

In times of emergency, such as losing a passport, it will be very helpful to have your embassy and consulate contact information and address for where you are travelling. Most major cities will have a list of all the international embassies that are located within the city for your convenience. If your country doesn’t have a local embassy, it will be important to have the contact information for the nearest one, as well as contact information for your embassy back home.

Embassy

10. Give your family & friends an itinerary

Whether you are travelling alone or with friends, it is recommended that you have your family and friends back home know your general location and plans while away.

11. Leave expensive jewellery at home

Although having your jewellery with you may seem appealing, we recommend leaving your expensive and valuable jewellery back home. Travellers displaying expensive jewellery are often targets for theft which can lead to very potentially dangerous situations. In order to stay on the safe side, it is better to simply leave it all at home.

12. Have proper travel insurance

While travelling internationally, most domestic health insurers will not cover you when you leave your country of citizenship, so travel insurance is a necessity. The potential of getting sick or injured while travelling is inevitable, and if you get injured or sick and you can’t get adequate medical treatment in the country or city you are visiting, it will be important to have access to emergency medical evacuation to another country or back to your country of residence. For the simple purpose of peace of mind, purchasing travel insurance is highly recommended in order to protect yourself. 

Expat Financial offers citizens travel insurance from a variety of insurance companies. Get a travel insurance quote and even purchase online. Get travel medical insurance and trip protection plans online via a secure server. Click here to receive an online quote. 

 

 

 

 

Expat Locations

Becoming a Global Citizen

The opportunity to live a life as a global citizen is one that is appealing to many people. It involves a life of adventure and new experiences. If deciding to become a global citizen, it is important to understand what it takes to successfully take on the opportunity in which you are given and facilitate the transition period. Let’s dive into what it means to be a global citizen.

Health considerations

As many concerns arise about making the decision to become a global citizen, health considerations are likely to be at the top of your priorities before moving. Taking care of your health while living abroad will be one of the most important and crucial steps to ensure a successful and blissful lifestyle.

Global health insurance is highly recommended for anyone living or travelling abroad. The advantages of global health insurance go far beyond basic medical care. It will alleviate any added stress or concerns about medical coverage while travelling abroad, as well as facilitated payments, coverage regions and standard of care.

At Expat Financial, we offer plans from basic in-hospital plans to in-hospital and out-patient plans. We are able to provide various plans from several different insurance companies in order to find the right fit. Contact us today by email at info@tfgglobal.com or click here for a free online quote. 

global medical

Culture adaptations  

Depending on where your global adventures take you, there is a high chance that you will be relocated to a country that will likely lead to a degree of culture shock. The important thing here is to stay as open-minded as possible. Locals will gladly teach you their culture and welcome you into their country, as long as you are willing to immerse yourself in the community.

A useful type for overcoming culture shock is to learn the local language as well as possible. This will allow you to engage with more locals and feel less alienated when exploring and appreciated the new city in which you call home.

Location is key

When it comes to choosing where you want to relocate, there are many different considerations to remember. First, it will be important to understand the local culture and what it will mean to connect with the locals as an expatriate.

A second aspect that is very important will be to find an area that has low crime rates for your safety – whether that is choosing, in general, a safe city or specifically a safe neighborhood. Explore our region & city guides to discover which regions are the best fit for you!

A third factor that is important in choosing a location will be to know what the tax policies are for your incoming country. Many countries have different ways in which they tax their local employees, and as an expatriate living abroad, it will be very important to know the local taxation policies.

Thinking For Abroad

Get involved in local politics and policies.

As important as it is to immerse yourself in a local community, it will be equally as important to immerse yourself in the local politics and policies that are relevant to your new home. Knowledge of local politics will help you understand a multitude of important factors, such as taxation, governance, community values and elections, as these will all be crucial in your development in the community.

It is important to note that it is not recommended to get involved in politics in all countries, and it is important to research beforehand and look into political stability before diving into local politics, especially if you are not a citizen of your new country. Getting involved in politics as an expat in many countries, especially ones with little or no human rights protections, can be very dangerous.

Apart from local politics and policies, we also recommend having a general understanding of global politics, specifically with countries that directly affect your new city. This will allow you to stay aware of external factors and policies that may alter the way in which you engage with your community.

Keeping in touch

Lastly, after making the decision to become a global citizen, it will still be important to stay connected with your roots back in your home country. This can come with many challenges, including adjusting to time zones, whether or not you are in a Wi-Fi efficient zone or keeping this priority top of mind. It is important to keep in touch with members back in your home country in order to maintain and facilitate the transition, as well as keeping in touch with your own mental health.

 

Thinking for Abroad

The fundamentals of becoming an expatriate

There are numerous reasons as to why someone will make the decision to relocate to a new country and become an expatriate. The decision can be an inbound decision of wanting a new life of adventure or you are being relocated due to your job. Regardless of the reason, there are an abundant amount of benefits for making the move. The term expatriate is often misinterpreted and we are here to help you understand what it means to be an expatriate and how we recommend preparing for your new life.

What is an Expatriate?

An expatriate is considered as anyone who is living outside of their native country – meaning the country in which they were born and/or brought up in. Expats that are living overseas can be considered in a permanent, semi-permanent or temporary placement, depending on the expats’ specific situation.

When relocating abroad, regardless of the reason for moving, there are plenty of considerations to think about beforehand. Some top priority factors are to determine where your income will derive from, are you living in a safe area, how to attain housing, are you moving somewhere with a different language than your native tongue, whether or not you need a visa, and how does the medical care system work in your new country. We have created a small guide to answer some big-picture questions that are crucial to know before your big relocation.

Signals

Visa requirements

Most countries will require a visa in order to become a local resident, and the process and availability will be dependent on your country of origin, as well as the inbound country. It is very important to understand all the factors and limitations of your visa before moving. More often then not, a work visa will have a longer period of validity in comparison to a visitors visa, resulting in a more stable duration of stay.

Adapting to local culture

Your international relocation may bring you to a country that is vastly different than your home town, whether that be in Africa, Asia, Europe or South America. Each region and country around the world has it’s own unique offerings to you as an expatriate, and it will be important to learn and appreciate how differently things are done. One aspect that will greatly benefit you as an expatriate will be to learn the local language as well as possible. Learning a new language has many benefits and challenges, and in the end, it will greatly improve your experiences in the new country. The more you adjust and dive into the culture and experiences of your new home, the easier it will be for you to adjust and enjoy your time away from home.

The benefits of Expatriate health insurance

Countries all around the world vary in healthcare, in cost and standardization and care. As an expatriate living abroad, you will want to have the best healthcare coverage as possible. In most circumstances, countries will require expatriates to obtain a global medical coverage plan for extra protection, as most expats won’t be covered under a domestic plan. A comprehensive global medical plan that can move with you and cover you locally, regionally and globally – especially back home will be critical.

A major benefit of a global medical health care plan is the ability to cover other dependents as well – whether that be a spouse or children. Obtaining the best care for yourself and your family will be extremely important as you choose to live an expatriate life.

Domestic government health plans often only provide access to public hospitals and doctors. This may become problematic as you will have more restrictive access to medical care. In order to avoid the complications of long wait lines, extra costs of medical testing and surgeries, most expats will seek out a global medical care coverage in order to have access to private hospitals, doctors and clinics.

The keys to success

Success Ahead

As rewarding as living an expatriate life can be, there will surely be some obstacles along the way. Here are some suggestions in order to get the most out of your expatriate experience.

  1. Appreciate the cultures and languages of your new country! Many people will never be given the opportunity to travel and live the way you are, so make sure to take the time to dive into new cultures, meet the local populations and learn to appreciate the way of life that is different than your norm.
  2. Moving abroad is the perfect opportunity to do a major clean out of your house! Deciding what to pack when moving abroad can be a stressful and tedious experience, however, it is an excellent opportunity to purge out old household items and clothing that you don’t need!
  3. As you are becoming an expatriate, it will be important to engage in an expatriate community as well as the local natives. There are several benefits to relying on other expats, including learning from their past mistakes and suggestions, as well as their knowledge on conducting business and creating a social life in a foreign land.
  4. It will also be important to know about your countries taxation policies. As all countries differ in tax legislation, it will be important to be up to date on your tax status and whether double taxation agreements are in place between the two countries.
  5. Lastly, obtaining your international health insurance before relocating, or within the first few days of moving will be crucial. This will alleviate a large amount of unnecessary and added stress that is preventable in order to protect yourself. At Expat Financial, we are able to meet the growing needs of expatriates living around the world who require global healthcare coverage for themselves and their families. To view available international health insurance plans available, click here!

 

Expat locations

6 tips for travelling within budget

Going away on holiday is always an exciting experience with high anticipation! With all the different considerations to plan for, the trip planning portion of your vacation may not be the most enjoyable experience. We have created 6 great tips to help you budget for your travels, as well as staying within budget while away! The next best part about going on holiday is being able to come home from the trip with a full wallet!

Budget before you leave

As many trips go, there will be a hundred different things you will want to explore on your time away. Whether that be a weekend getaway or a long overdue extended trip, you should never underestimate the value in budgeting before you take off.

Whether it’s your first time in a new city or a place that has become your second home, you can never do “too much” research before taking off. It’s vital while budgeting to look into multiple sources and sites when trying to obtain information about different costs. It is important to remember that, although one source may give you tempting information, that that may not be the most accurate source out available. That is why we recommended looking into multiple different sites, platforms and resources while budgeting for your trip.

Calculating Budget

Look for hotel bundle deals

This goes hand in hand with doing your proper research, but make sure to take extra precaution when looking into hotel and flight deals. With the multitude of websites that are available to the public nowadays, you have an abundant amount of options to choose from. Whether it means not staying right in the centre of the city centre and taking a flight that’s not exactly at your ideal travel time, you may be able to save a fortune on these small compromises, which will ultimately allow you to experience many other adventures on your trip.

Always over budget rather than under budget

As easy as it is to take the lowest estimated options when scanning through different sources, we recommend that you take a more generous approach to your budget, rather than optimistic. We know it can be very tempting to downplay the costs of your trip, but at the end of the day, it is always better to come home with a little extra cash or take that extra unexpected tour on your last day rather than coming home to extra credit card debt.

 Follow your budget

After taking all the time to budget and plan for your trip, the next important step in the savings guideline is to actually follow through with your budget. A common mistake done by many travellers is to create a fantastic and well-detailed budget plan, and then fail to execute once on vacation. Not to say that you need to stay on budget for every meal and every expenditure, but make sure to stay well within the confinements of your budget.

Budget

Watch for the scams

As many cities & destinations are accustomed to having tourist and visitors around, it is important to be aware of the scams and tricks that many locals, especially in poorer countries, have in mind for visiting guests.  It’s important to note that many scams can be in the form of “too good to be true” savings. In order to be aware of these scams, keep in mind what the value of the product and/or service you are receiving, and make sure it aligns with the proposed costs.

Obtain travel insurance before leaving

One vital step we recommend you taking before taking off on your trip is to obtain travel insurance coverage for the duration of your trip. It is important to obtain coverage for the entirety of your trip in order to avoid a lapse in coverage. Unexpected medical costs can become very expensive while travelling abroad, and you don’t want to be caught without medical coverage. If you are moving abroad for a year or more, it is highly recommended that you obtain a quote for international health insurance to cover you globally.

At Expat financial, a division of TFG Global Solutions Ltd., we are able to offer individuals or group plans for those travelling abroad. To receive a quote contact us directly at info@tfgglobal.com 

 

 

 

Learning New Language

Five Tips for Learning a New Language If Living Abroad

5 Tips for Learning a New Language If Moving or Already Living Abroad

Moving to a brand-new country is never easy. Learning a new language can take years. And moving to a brand-new country while attempting to learn a new language can be downright daunting.

For an expat in a non-English speaking country, the question simply becomes: how can I learn the local language fast? While there is no magic pill to learn a new language overnight, there are ways to pick up a language quickly. While this task of learning a foreign language may seem huge, there are ways to make your life a bit smoother – here are five tips to learning a new language, while living abroad:

  1. Understand that learning a new language is difficult!

    There are multiple ways of learning a new language and not every way will work for you. No one is expecting you to learn a brand-new language perfectly and to be fluent speaker right away, especially if you are learning a language with many complexities like Russian, Mandarin, Arabic, Korean, or Hungarian. The faster you can come to terms with this notion, the faster you can get over any anxiety and embarrassment that may come with learning a new foreign language. Relax, figure out what method works for you, practice, and enjoy the process.

  2. Immerse yourself in the language.

    Pay attention to the street signs, the advertisements on the sides busses and on billboards, read food labels when grocery shopping; all of this helps (especially when learning a new language alphabet). Celebrate your wins when you recognize what the words or phrases mean. Try ordering your daily cup of coffee at your neighborhood cafe in the local language. Find out the keywords or phrases to get by and say pleasantries like please, thank you, may I, sorry, etc. and use them on a daily basis. They will become automatic and make you more confident.

  3. Self-study.

    If you like to learn on your own there are many books out there on learning new languages. You can check out local books stores in your new country, many of which will have books on learning English or baby books. Don’t discredit these books, reversing how you view the language may be quite helpful. And there are thousands of YouTube videos, podcasts, and apps to help you self-learn – most of them free. Listen or watch videos on your daily commute or for a few hours a day when possible. Making use of technology can be a lighter and easier way of learning as many apps aim to make the learning process fun and game-like. Talk to the locals who speak English, they can help correct you and guide you. If you don’t know a local who can help, join a learning group.

  4. Join a learning group.

    This will allow you to be in a structured environment to learn the new language. You will get feedback, be sounded by others from various different countries who are trying to learn the local language and may even receive assignments to test your knowledge. Find fellow expats, but beware of slipping back into your native tongue.

  5. Get creative.

    Make flashcards, try to write up your work emails or everyday texts in English and the local language, visualize the new language rather than relying on a direct translation. Have fun with friends or family members who are trying to learn the new language, get into a habit of picking a category to talk about ex. “colours” or “foods” and say the examples in the language. Watch the news for articulation and pronunciation. If you are in a big city check out a play, visit museums, and see movies in the language you are trying to learn.

And finally, something thing you might want to consider before choosing a language learning method is what purpose are you looking to achieve by learning a foreign language? Do you need it mostly for writing? Talking? Business? Can you get by without learning too much of the local language? Learning a new language will always assist in ensuring a good quality of life and freedom within your new country. A new language will assist you should you require medical care from a facility or doctor who doesn’t speak your language. A great medical plan will also provide medical insurance support in all of the major languages. Expat Financial offers several different international health insurance plans for expatriates of any nationality across the world who are about to move abroad or already there. If you have any questions regarding international medical insurance plans or you want to discuss your needs as an expat, please contact us or complete the quote form.

Lifestyle Abroad

How to Become A Digital Nomad Abroad

Learn How You Can Become a Digital Nomad as an Expat Abroad

For a number of reasons, people become “expatriates” (that is, people who live outside their native country), and this process of becoming an expat happens in many ways./

One of the most recent and popular ways to become an expat has materialized through a number of technological innovations, and that is to become an expat as a “digital nomad.”

What is a digital nomad?

This is a term used for a person who is “location independent,” and relies on technology to perform his or her job. The great thing about being a digital nomad is you can work virtually anywhere, allowing you to move easily between countries and regions.

How exactly do you begin to become a digital nomad?

It seems to be an appealing life, one where you can travel and work simultaneously. Imagine sitting on a beach somewhere in Thailand working on your laptop (while also working on your tan!) The thing that digital nomads have in common is that they usually spend months in a year traveling while working online. But it takes a lot of hard work to reach a point where you can both work and travel.

As a recent movement that works for many, it can be rewarding. but there’s usually some confusion about how to live this lifestyle.

We’ve put together five core things you need to do if you’re interested in becoming a digital nomad. There’s a lot of hard work involved, but these five steps will help to set you up for success.

1. Be creative.

There isn’t one blueprint that everyone can follow in order to get the digitally savvy life of independence that so many (particularly the millennial population) dream of. Everyone arrives at the digital nomad lifestyle through a unique path.

In order to find out which route to go, figuratively and literally as well as digitally, to become a digital nomad, you have to figure out where your strengths lie and come up with a creative way to make that work for you.

Are you good at graphic design? Blogging? Photography? Are you good at creating communities online through your relationship-building or networking skills? Let that work to your advantage and help leverage you on your way to becoming a digital nomad.

2. Join a digital nomad community.

There are tons of people who are doing this and have been in the same situation as you before – figuring out where to begin and how to start travelling while working online. Find these people and learn from them. Use them as resources and as peers who are like-minded. They have a wealth of information on how to start reducing your ties to your current location, where to find new homes for cheap, how to find a creative way to earn money online to fund your travels, etc.

digital nomad

3. Decide on how you’re going to earn money.

You need money to travel. Start by freelancing through your graphic design, photography, or blogging skills, or work or study abroad. These are ways to start traveling and get you on the path to becoming a digital nomad. While studying and working abroad is less risky than trying to earn your way by being a freelancer, it’s not as easy to be location-independent. It may take you longer. So weigh the pros and cons. Generally, it makes sense to secure your contracts or employment before you leave from a company that is accepting of your digital nomad existence while living abroad.

4. Figure out how you want to live.

If you’re interested in having solitude and quiet, and wish to retreat somewhere, go for it! Or if you’re a social butterfly and need to be around people to thrive, then go for that. But make sure you know what you want.

Have a look at our country and city guides to get more of an overview of regions in the world that Expat Financial provides medical coverage for.

5. Research.

This includes researching where to live, the currency, and the culture of your destination (for some areas that are more conservative, you want to dress appropriately). It makes sense to make sure you are living in an area that is safe and secure, has excellent internet coverage and speed, inexpensive housing and for some a great climate and interesting culture.

Global Insurance

6. Get international medical coverage BEFORE you become a digital nomad

International health insurance coverage is essential for anybody becoming an expat, no matter where they’re going or for how long. If you are a digital nomad, there is a good chance your employer will not provide health coverage for you or will ask you to obtain your own. In fact, most digital nomads are self-employed or working on a consulting basis, so you most likely need to obtain adequate global health coverage to cover unexpected medical expenses, evacuation, dental and more. Digital nomads can easily obtain a quote for excellent international medical insurance from our insurance partners. Our most popular global medical policy for digital nomads is the Cigna Global Health Options plan. It is vital that digital nomads obtain a high-quality plan and also discuss their needs with us if required.

Expat Financial provides international health, life, disability and travel insurance to expats (for both those who are interested in going abroad and those who are already living abroad). Contact us today to get have your questions answered and obtain a quote online.

 

 

Travelling Abroad

How Expats Can Save Money When Moving to the UK

The UK’s rich cultural heritage, vibrant history, and high standard of living have made it one of the most sought-after expat destinations in the world. London’s eminence as a global business center also means that many expat positions there will come with high wages. However, these qualities have also contributed to a high cost of living. The UK is the 12th most expensive country to live in in the world, and its capital, London, is the 5th most expensive city in the world. To help you keep costs down, we at Expat Financial will discuss five ways on how expats can save money when moving to the UK.

1. Saving on Flights

As expats move to the United Kingdom from all over the world, they would all love to save a penny or two on their airfare. One of the easiest ways to do this is to book flights well in advance. Airlines tend to hike the price of tickets as your departure date looms closer, so booking at least several months in advance will allow you to avoid this. Additionally, if flying to the UK from your own country proves unusually expensive, you could try booking a flight to another cheaper European destination. This is a valid strategy, as due to the significant presence of low-cost airlines in Europe, once you are in Europe, flying within the continent can become as cheap as the taxi to the airport.

Expats Moving UK

2. Saving on Accommodation 

With the average flat price in Central London is an astonishing 1.4 million USD, and the average British citizen spending nearly 40% of their income on housing, it makes sense to share a flat with fellow expats to keep costs down. In addition to helping your pocket, sharing an apartment is also a great way to make new friends. Online platforms such as Gumtree and SpareRoom make it easy for expats to arrange a shared flat. For students in the UK, you can often obtain very inexpensive and basic rooms through your university or private student housing companies like Unite Students.

3. Saving on Food

As a melting pot of different cultures, Britain’s vast offering of diverse cuisines makes it a foodie’s paradise. Although some of this diversity amounts to £300 a head omakase bars, there is still an abundance of cheap eats to be found. Straying from the main tourist and business areas will usually lead to finding low-cost local favourites. Additionally, many restaurants lower their prices both before and after peak hours, so that late night sitting may be saving you money. It is easy to obtain ready made meals from the large food chains and department stores in London and other parts of the UK. If you avoid restaurants in your hotel, the prices can be much more reasobable. We strongly recommend trying the excellent pub food as well.

Saving On Restaurant Foods

4. Saving on your Commute

The major cities of Britain are home to some of the best public transit networks in the world, and subsequently, they make owning a car very optional. In London for instance, only 33% of people drive on a daily basis. Utilizing public transit will not only save you money, but it will also save you time, as taking the tube is often faster than driving as city traffic can be agonizingly slow during rush hour. In areas that are not covered by the public transit system, using Uber is often less expensive than hailing a cab.

Commuting Abroad

5. Saving on International Health Insurance in the UK

Traveling to the UK without adequate health care could leave your finances in ruin, especially if you wish to obtain medical care through the private system versus the National Health Service. Unfortunately, the NHS has had some serious problems which include very long waiting lists for treatment. You may also be traveling or want to obtain medical treatment in your home country. Therefore, it makes sense to contact an international healthcare advisor to make sure that you are fully covered. Expat Financial offers many different international health insurance plans for expats moving to the UK for long or extended durations. In addition, we offer group plans for multinational firms with great rates and enhanced coverage. If you have any questions regarding our services or the plans we can provide, please contact us or complete the quote form.