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  • Expat Exchange - Expat Finance: Bank Identification, Selling Your Car and More - Expat Finance, Bank Identification
    and advice as to whom to speak to when opening your account Each place has its own rules and formalities and expatriates have heard of many of them including places where your rubber stamp is used in place of your signature But international conventions have focused on the use of government issued identification with a photograph as one of the key elements of knowing who is opening an account This is important because governments do want to control the activities of individuals and corporations who have a history of lawbreaking or who are under investigation In light of this yet another risk expats face is the possibility of selling your property to someone on a watch list or blacklist especially when we are in the process of getting rid of everything we own before our flight home Just imagine selling your car which everyone in town knows is yours to a person who ends up being known to police as drug dealer it would be embarrassing to say the least An expat acquaintance of mine had the misfortune of selling a business and later finding out in the newspapers he was being investigated for things the business did after he was gone I imagine he had large legal fees in that country to try to clear his name I know he found out later that the buyers had a history of irregular dealings but by then he was already in trouble In this case and others checking with the local consular office will often let you know if you are dealing with someone who is exposed to risky situations by being on international watch lists or by being on blacklists The USA maintains lists of individuals and business that no US citizen or business may do business with maintained by the State Department and local consular offices keep abreast of local trends and personalities so they can give good advice to the people that consult with them Finally please also be careful with donations to different charities and community groups some of them might be linked to criminal or terrorist organizations It might seem embarrassing to ask a manager or consul what they think about ABC Charity but it would be more embarrassing to be caught up in a police investigation A simple verification with your office administrator consular office and even your local bank may save you and your employer from much embarrassment to say the least Of course most prosecutions in this matter are for really outrageous donations or actions but most expatriates truly want to avoid problems and so should be careful So returning to the title of this series of articles just as your automobile must be used according to the transit laws of where you are as well as where your license plate is from your money must be used according to the different laws regulations and mechanisms available at your home work place and anywhere else you might be doing business If all you

    Original URL path: http://www.expatexchange.com/article/3727/Expat-Finance-Bank-Identification,-Selling-Your-Car-and-More (2016-02-11)
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  • Expat Exchange - Christmas Abroad: A look at how expats celebrate around the world - christmas, expat christmas, christmas dubai, christmas singapore, christmas hong kong, christmas south africa
    markets provide great bargains for the family back home And of course Dubai has its very own man made ski slope if expats from colder climes miss the wintery weather Christmas in South Africa Family is also the focus for expats in South Africa The celebrations are very similar to those of the UK with presents in the morning followed by a traditional Christmas meal in the afternoon or evening turkey Brussels sprouts roast potatoes cranberry sauce and lashings of gravy The main difference is that the weather is warm and sunny so Christmas meals normally take place outside perhaps in people s gardens or on terraces Shopping centres go over the top with Christmas displays decorations and festive songs Children can meet Santa in his grotto and many people attend outdoor carol concerts Like Dubai local markets do a popular trade in beautiful hand made items such as gifts made by native South Africans such as the Xhosa and Zulu tribes Many of these gifts are made from recycled materials Wine is also a popular choice Numerous vineyards across the country sell very good quality wine at very reasonable prices Christmas in Hong Kong Expats in Hong Kong love to party at Christmas The city is filled with lights as the numerous skyscrapers on Hong Kong Island compete with outlandish displays Some expats spend Christmas Day having a fabulous meal in a top Hong Kong hotel before heading out to the popular WinterFest which features the ubiquitous giant Christmas tree carol songs and themed events Churches run religious services while international schools hold English style school fairs For those expats looking to send genuine gifts from the Orient home to their loved ones Hong Kong is renowned for its traditional Chinese markets that sell numerous ornaments curios and jade jewellery Expats also adore the secret hideaways that sell designer goods at discounted prices Bargains are there to be found but make sure you know how to barter well Christmas in Singapore Expats spending the festive season in Singapore are more likely to spend it gathered around the pool than the Christmas tree The weather is hot and humid and the shops stay open late which is perfect for those last minute presents Much like Hong Kong the entire shopping district including Orchard Road and Marina Centre is decorated with colourful lights that are put up in mid November and run right through until New Year s Day Carolling concerts and parades are just some of the festivities that take place during this period How to give presents overseas Sending gifts home from far off locations can be a real nightmare for expats So what s the best way to get presents to friends and family at Christmas HSBC Bank International has looked at some ways to make sending Christmas gifts home a little simpler at this busy time To help celebrate the Christmas season the Bank is also giving expats a chance to win 1000 of gift vouchers for

    Original URL path: http://www.expatexchange.com/article/3249/Christmas-Abroad-How-Expat-Celebrate (2016-02-11)
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  • Expat Exchange - Expat Finance: Offshore Banking - offshore banking, offshore bank, expat banking, overseas banking
    assets or business concerns outside of your home country within one of the many tax havens A tax haven is a country that has very favourable tax advantages which means that your savings investments assets or business profits can grow free of almost any taxation Although taxation is only one reason why many decide to go offshore Privacy To protect the free flow of your personal information and dealings An offshore entity has no obligation to release your personal or business information affording you with a great deal of privacy confidentiality In general terms your personal information will not be divulged to any governing body or tax authority unless suitable evidence can be shown to prove that you have been involved in criminal activities such as money laundering or drug trafficking Financial privacy is becoming a thing of the past Almost every single transaction made at a bank or ATM by law must be recorded and filed Consumer credit agencies maintain databases full of sensitive information that is used and shared by other organizations and agencies Asset collectors routinely advertise their ability to locate bank accounts brokerage accounts and real estate and business holdings Should asset collectors find substantial wealth the individual or corporation becomes an easy target for a lawsuit Unless ethical and legal steps are taken to insure privacy sensitive and confidential information could easily get into the wrong hands Placing your assets investments savings bank and brokerage accounts offshore will keep them off the asset collector s radar screen Consumer credit agencies and government departments do not have access to foreign account records or transactions Domestic property may be held in the name of a foreign corporation IBC or trust This insures that asset collectors and agencies cannot locate it By taking advantage of these methods an individual or corporation becomes a smaller target and the likelihood of being sued is reduced Utilizing offshore tools to protect privacy could mean the difference between keeping and losing what is rightfully yours Tax Efficiency As stated above your savings investments assets or business profits can grow almost free of any form of taxation This does not mean tax avoidance it simply means whilst your assets are held offshore they will benefit from very favourable tax advantages There will for many however be a potential tax liability when you look to repatriate your assets to your home country This will depend on your nationality and your country of residence at the time of repatriation Asset Protection There are many methods in which to protect your assets using an offshore structure in the form of an investment product an IBC International Business Company or a offshore trust or even a simple offshore bank account These will protect your assets from Protection from invasive bureaucracy Protection against lawsuits Protect your assets from seizure The simplest form of protection offshore is the nature of the offshore privacy rules What isn t known can t be attacked The basic form of offshore privacy combined

    Original URL path: http://www.expatexchange.com/article/2434/Offshore-Banking-What-are-the-Benefits-of-Using-an-Offshore-Bank-in-a-Tax-Haven (2016-02-11)
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  • Expat Exchange - A Guide to Expat Banking - expat banking, bank abroad, expat bank, offshore banking, offshore bank
    you have the ability to change your PIN remotely via telephone or Internet in case of identify theft or fraud while you are overseas 3 Q How can I ensure that I am getting the best foreign exchange rate A Many expats read the financial newspapers and do not understand why they do not receive the same rate of foreign exchange What expats don t realize is that foreign exchange rates quoted in financial publications are based on large trade volumes and do not accurately reflect the rates given to individuals Also printed newspapers do not reflect real time and foreign exchange rates change from second to second To gain the most favorable exchange rate it is best to use your ATM or debit card as you will receive the internal bank to bank rate Also many banks also charge an additional foreign currency conversion fee 4 Q Why is it difficult for expats to open a bank account in a foreign country A Since 9 11 most countries have enacted tighter regulations regarding business with foreign nationals For financial institutions that has meant requiring more documentations to open a bank account When opening a bank account in a foreign country at a minimum expats should be prepared to have on hand Government identification i e passport and driver s license One bank reference or current bank statement from your local bank A letter from your employer including length of employment duration of assignment in foreign country and salary other compensation especially if applying for credit Proof of address in home and host country 5 Q Can I still use online banking for all my banking needs A Be sure to check the functionality of your bank s online banking service Remember that online banking is usually country specific and will provide service for where your accounts are domiciled This means that online banking in the US may only provide service for your US bank accounts and not any bank accounts held overseas The Bill Pay function is usually also country specific meaning that you may not be able to use your US Bill Pay feature to pay a bill in a foreign country Also check to see if there are any transactional limits on account to account transfers bill payments or wire transfers 6 Q Why is it difficult for expats to obtain credit in certain countries especially in the US A From a banking perspective foreign nationals new to a country without a credit or work history in the country are generally viewed as more of a risk than local customers While some countries have established credit bureaus and can provide their citizens with a credit history a foreign credit history does not usually transfer across countries and most banks are not familiar with how to interpret a foreign credit report As a result an expat new to a country and applying for credit such as a credit card may experience difficulties Again expats should establish their financial

    Original URL path: http://www.expatexchange.com/article/2093/Expat-Banking-A-Guide-to-Financial-Services-for-Expats (2016-02-11)
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  • Burlingame Interactive
    Info Your E mail Address Your First Name Your Last Name Listing Details Free Listing Free Website Name Highlighted Description max 15 20 words Web Site Address please include http Contact Name Contact Phone Contact E mail Contact Fax Street Address Street Address 2 City Town State Province Country Postal Code In Depth Website Description max 350 words Sample Blog Entries If you are submitting a blog listing please include

    Original URL path: http://www.expatexchange.com/bi/dev/resources_special.cfm?site=ee (2016-02-11)
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  • Expat Exchange ~ Directory of Expat Blogs & Websites ~ 13 Months in Ecuador
    Korea Kosovo Kuwait Kyrgyzstan Laos Latvia Lebanon Liberia Libya Liechtenstein Lithuania Luxembourg Macau Macedonia Madagascar Malaysia Malta Martinique Mexico Micronesia Moldova Monaco Mongolia Morocco Namibia Nepal Netherlands New Zealand Nicaragua Nigeria Norway Oman Pakistan Panama Papua New Guinea Paraguay Peru Philippines Poland Portugal Qatar Romania Russia Rwanda Saint Lucia Saudi Arabia Scotland Senegal Serbia Singapore Slovak Republic Slovenia Somalia South Africa Spain Sri Lanka Sudan Sweden Switzerland Taiwan Tajikistan Tanzania Thailand Trinidad Tob Turkey Turkmenistan UAE Uganda UK Ukraine United States Uruguay Uzbekistan Venezuela Vietnam Yemen Zaire Zambia Zimbabwe Join Sign In Home Country Forums Expat Resources Expat Guides Real Estate International Jobs Home Country Forums Global Forum Expat Resources Expat Guides Real Estate International Jobs Moving Overseas Culture Shock Expat Healthcare Expat Tax Finance FACTA FBAR Expat Blogs Retire Overseas Resources Expat Health Insurance Mail Forwarding Mail Shipping Relocation Auto Shipping Auto Expat Tax Real Estate Agencies Business Services Currency Exchange Education Expat Banking Expat Counseling Expat Finance International Jobs Language Cross Cultural Legal Services for Expats Pet Shipping Travel Insurance Visa Immigration 13 Months in Ecuador This details our family moving outside of Quito for 13 months while we enjoy my sabbatical from work Web Site http www 13monthsecuador blogspot com This blog details our family moving to Ecuador for 13 months while we enjoy my sabbatical from work Join Today free Join Expat Exchange to meet expats in your area or get advice before your move It s FREE and takes 1 minute List a Property free Overseas Properties View All Property Listings Fresnay Sur Sarthe France Property for Sale Cabarete Dominican Rep Property for Sale Sosua Dominican Rep Property for Sale Add a free Property Listing or Rental Listing Moving Overseas Culture Shock Expat Healthcare Expat Tax Finance FACTA FBAR Expat Blogs International Jobs Retire Overseas

    Original URL path: http://www.expatexchange.com/rgblog.cfm?resourceID=12479 (2016-02-11)
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  • Expat Exchange ~ Directory of Expat Blogs & Websites ~ 2 Bags and a Pack
    Norway Oman Pakistan Panama Papua New Guinea Paraguay Peru Philippines Poland Portugal Qatar Romania Russia Rwanda Saint Lucia Saudi Arabia Scotland Senegal Serbia Singapore Slovak Republic Slovenia Somalia South Africa Spain Sri Lanka Sudan Sweden Switzerland Taiwan Tajikistan Tanzania Thailand Trinidad Tob Turkey Turkmenistan UAE Uganda UK Ukraine United States Uruguay Uzbekistan Venezuela Vietnam Yemen Zaire Zambia Zimbabwe Join Sign In Home Country Forums Expat Resources Expat Guides Real Estate International Jobs Home Country Forums Global Forum Expat Resources Expat Guides Real Estate International Jobs Moving Overseas Culture Shock Expat Healthcare Expat Tax Finance FACTA FBAR Expat Blogs Retire Overseas Resources Expat Health Insurance Mail Forwarding Mail Shipping Relocation Auto Shipping Auto Expat Tax Real Estate Agencies Business Services Currency Exchange Education Expat Banking Expat Counseling Expat Finance International Jobs Language Cross Cultural Legal Services for Expats Pet Shipping Travel Insurance Visa Immigration 2 Bags and a Pack Vagabonding author reports on how to live on a budget in different countries how to deal with different cultures and languages Web Site http www 2bagsandapack com Since leaving Florida in the U S four years ago vagabonding jounalist Ken Anderberg has lived in four countries for extended periods of time reporting in his blog about his experiences in dealing with the challenges of new cultures new languages finding an apartment dealing with the everyday challenges inherent in such relocations and all while doing so on a limited budget His essays and photos have chronicled his experiences in Costa Rica Croatia Rome Sicily Indonesia and Malaysia Join Today free Join Expat Exchange to meet expats in your area or get advice before your move It s FREE and takes 1 minute List a Property free Overseas Properties View All Property Listings David Panama Property for Rent Cotacachi Ecuador Property for Sale Playa

    Original URL path: http://www.expatexchange.com/rgblog.cfm?resourceID=11660 (2016-02-11)
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  • Expat Exchange ~ Directory of Expat Blogs & Websites ~ 40 Days at the Bakala...
    Monaco Mongolia Morocco Namibia Nepal Netherlands New Zealand Nicaragua Nigeria Norway Oman Pakistan Panama Papua New Guinea Paraguay Peru Philippines Poland Portugal Qatar Romania Russia Rwanda Saint Lucia Saudi Arabia Scotland Senegal Serbia Singapore Slovak Republic Slovenia Somalia South Africa Spain Sri Lanka Sudan Sweden Switzerland Taiwan Tajikistan Tanzania Thailand Trinidad Tob Turkey Turkmenistan UAE Uganda UK Ukraine United States Uruguay Uzbekistan Venezuela Vietnam Yemen Zaire Zambia Zimbabwe Join Sign In Home Country Forums Expat Resources Expat Guides Real Estate International Jobs Home Country Forums Global Forum Expat Resources Expat Guides Real Estate International Jobs Moving Overseas Culture Shock Expat Healthcare Expat Tax Finance FACTA FBAR Expat Blogs Retire Overseas Resources Expat Health Insurance Mail Forwarding Mail Shipping Relocation Auto Shipping Auto Expat Tax Real Estate Agencies Business Services Currency Exchange Education Expat Banking Expat Counseling Expat Finance International Jobs Language Cross Cultural Legal Services for Expats Pet Shipping Travel Insurance Visa Immigration 40 Days at the Bakala This blog highlights my Lenten challenge of giving up shopping and going local in Kuwait Web Site http bakalalivin blogspot com Each year I give up something s for the Catholic period called Lent For the past two years I have decided to abstain from shopping and strictly go local by shopping at the local bakala behind my house A bakala is a small local convenience store This blog is a comical look at the challenges that I encounter as well as a document of the money I save Join Today free Join Expat Exchange to meet expats in your area or get advice before your move It s FREE and takes 1 minute List a Property free Overseas Properties View All Property Listings CRUCITA Ecuador Property for Sale Bacong Philippines Property for Sale Cairo Egypt Property for Sale Add a free

    Original URL path: http://www.expatexchange.com/rgblog.cfm?resourceID=11630 (2016-02-11)
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