Tag Archives: expat

Finding Balance: Building Spontaneity in Expat Life

1138If you’re the type of person who likes to put every piece of your jigsaw puzzle together before you relocate abroad or launch a new business idea, I can totally relate. A perfectionist by nature, my brain is at its happiest when a relocation has been planned from every angle and/or a new business website is ready for launch with no spelling errors in sight.

But what do you do when things don’t go according to your original plan?

Spontaneity in Expat Life

As an expat, pre-planning international relocations (and sometimes even daily outings in a city like Jakarta where it can take 4 hours in a rainy peak hour to travel just 4km!) is important. But expat life, as you would know, regularly throws a spanner into even the best made plans. Visas get delayed, flights get cancelled, shipments don’t arrive, you get lost in foreign streets, your Internet doesn’t work, your friends keep leaving, and you have to keep reinventing your identity and purpose. Sometimes it feels like nothing about being an expat ever goes to plan.

That’s why, whilst planning can help you to stay sane on your crazy ride, it’s important to allow spontaneity in your plans too. For example: relish the chance to find something new when you’re lost in those foreign streets; visit a different Internet cafe each day so you can combine your Internet fix with a daily exploration your new city; learn how easy it is to live without all of your worldly possessions; and embrace the opportunity you have to create a new career or purpose abroad.

Taking my expat journey as a case study, before I left on my first assignment as an accompanying-spouse, I had been working for the Australian government for seven years and was in one of those dream, autonomous, head office roles that I was lucky to get at 28 years of age.

My job was secure. My income was secure. I knew who I was, what I did and where I was going.

Fast forward past the ‘loss of identity’ expat years that most of us go through when we first move abroad with our partners and are both blessed and cursed with excess free time, and I’m grateful that things didn’t go according to plan.

Because if they had, I never would have left my job and tried new jobs. I never would have invented a board game and a child’s toy (neither of which went anywhere, but I still feel proud that I invented them). I never would have so easily vacationed in so many amazing places. I never would have attended a Presidential wedding (thanks to hubby’s work abroad). I never would have started Expat Women (now merged with ExpatWoman.com) with my friend Jill Lengre. I never would have had the chance to speak at events in exciting places like Morocco. And I never would have co-written a book about expat life with Victoria Hepworth.

Then on return to Australia, I never would have had trouble finding a job (apparently “you run too fast and would get too much done here” is a reason for not hiring someone), so I never would have created Story Resumes. And on the weekends, I probably never would have had the time or inclination to be inspired by a Startup Weekend event, which means I never would have co-founded a lawn mowing startup called GreenSocks.

What a boring life I might have lived if I had never embarked on expat life or never strayed from my original plans!

Spontaneity in Business

In business, it’s no different. Planning will help you get focussed, but it’s important to squeeze some spontaneity into your business plans if you want to discover things that you didn’t know that you didn’t know.

Take my new business venture for example. It’s about matching people who need their lawns mowed with people who mow lawns. (An unusual business for a repatriate who’s travelled the world? Yes. But again, that’s an example of life not following the original plan!)

We haven’t had our official GreenSocks launch yet, but step-by-step we’ve been slowly building our site’s content, creating our online booking forms, sorting out red tape and planning our perfect marketing strategy. However, that was all thrown out the window recently when, before everything was declared perfect, my business partner exercised some spontaneity and posted one small post in a local Facebook group, plus decided to prematurely test Google AdWords. We went from “not perfect enough to launch yet” to 100 comments on the Facebook post, nearly 50 sign-ups from people who want to mow lawns and 20 lawn mowing jobs booked!

We didn’t have the backend processes in place to manage such an influx so fast, so I confess that we were a little overwhelmed and we didn’t have all the answers we needed. But if I had the chance to re-live this past week again, I’d encourage the same spontaneity in a heartbeat. Because in just one week, we learned more about how to operate our business and improve our booking forms than we ever learned in our slow-and-steady business planning and refinement process.

A More Interesting Adventure

In expat life and entrepreneurship, don’t be afraid to take risks and be spontaneous. Because whilst meticulous planning might be the key to keeping you on track, a splash of risk and spontaneity is what makes it a more interesting and rewarding adventure, don’t you think?

Andrea Martins is the co-author of Expat Women: Confessions – 50 Answers To Your Real-Life Questions about Living Abroad and was the co-founder of ExpatWomen.com.

Expat family essentials: Estate planning checklist. Defining Moves: information, inspiration for the global expat family. Trailing spouse, supporting partner, expat partner, accompanying partner, international assignment

Expat Family Essentials: The Estate Planning Checklist

Expat family essentials: Estate planning checklist. Defining Moves: information, inspiration for the global expat family.  Trailing spouse, supporting partner, expat partner, accompanying partner, international assignmentWhen my mother came to visit us in Los Angeles, she neglected to bring her swimsuit, and was faced with the challenge of what to wear in our pool. My generous offer of a string bikini was rudely rejected with the words “Over my dead body”. I am taking her at her word, and when she moves on to a better place, we will be marking her passing with an open casket viewing and the aforementioned attire.

Just to compound your already low opinion of me, I also respond to unwanted maternal points for improvement with the words “ Just remember who’ll be choosing the nursing home”…

Let this be a lesson to those of you who are feeling complacent having written your will; if you also want a say in your care and send off, do in it writing, and make sure it can be found before the services (healthcare, financial or spiritual) have taken place. It applies to all of you, but if you are an expat, the risks are even higher..

 

There are four more documents that you need to consider preparing:

  • Guidelines for your funeral arrangements
  • Power of Attorney
  • Trust / Catalogue of assets
  • Letter of intent

Funeral arrangements. 

If, like myself, you have specific ideas about your funeral, you need to put a plan in place so that loved ones left behind can honor your wishes. For those of us with a somewhat warped sense of humor, it’s a great time to mess with everyone a little, but I appreciate that not everyone out there is as cruel as I.

The key points to cover include:

Location for service (church, crematorium etc.), preference for cremation or burial, memorial service, storage / distribution of ashes, etc.

Funeral preferences – hymns, caskets, flowers, donations, clothing (yours, but feel free to have a little fun with their dress code too…). You could even write your own eulogy and obituary, complete with an embellished (and  potentially wholly fictitious) list of accomplishments.

Funding – it’s the one we all forget, but if you are living overseas and wish to be buried in your home town, make provision for the costs of repatriating both your body and your family. Your embassy can give guidance, but the costs are entirely your own. Bear in mind that your heirs can’t easily access accounts left in your name once you have died – funeral expenses are deducted from the estate before it is divided between the beneficiaries, but flights etc are usually paid in advance, so ask your lawyer the best way to facilitate this.

Power of Attorney.

The Durable Power of Attorney / Enduring Power of Attorney is a document that designates a representative to make financial, health care, or other business decisions for you if you become unable to do so for yourself.

This can be general or limited / springing. A general durable power of attorney gives permission for whomever you name to make every decision on your behalf, if you are no longer able to advocate for yourself. A limited durable power of attorney cover specific events, like selling property, making investments (often given to financial advisors / brokers) or making health care decisions (also called an Advance Directive of Health Care).

You can choose anyone to act as your agent, but commonsense rules apply – choose someone trustworthy who has your best interests at heart, and who is physically able to make those decisions; while many decisions can be made remotely, those living overseas should consider choosing someone who is able to travel.

Trust.

I am not a lawyer, nor have any legal expertise or qualification, so I am leaving the explanation of what exactly a trust is to those in the know – click here for the best explanation I could find, or check out the additional resources at the bottom of the page. Your task is to go away and get legal advice on whether trusts are applicable to your situation.

Simply put, a trust is a legal holding zone for assets, which are controlled by individuals known as ‘trustees’, for the benefit of other named parties “beneficiaries”. You nominate multiple trustees and beneficiaries, allowing both flexibility (it is relatively straightforward to change the conditions of the trust) and smooth transition of both control of and benefit from the trust.

The vast majority of people set up trusts for financial reasons – properly crafted, your trust can help to avoid significant estate taxes. However, for expats, the ability for assets to be transferred seamlessly is often far more important; especially where the remaining spouse is on a dependent visa and no longer legally entitled to remain in the host country.

It also has the advantage not just cataloging major assets but also specifying how beneficiaries can access the funds contained in the trust, meaning that should the unthinkable happen and both parents die, they can leave instructions for funds to be released at appropriate intervals (for example, lump sums to cover college tuition and living costs, down payments on a first home etc) rather than giving total control when the children reach legal adulthood.. As someone with a 17 year old who is unable to manage his birthday money effectively, the thought of leaving him in charge of half our net worth in a year’s time sends shudders down my spine.

Letter of Intent.

Finally, it’s the easy one – your letter of intent. It’s not a legal document, instead simply some guidance to the guardians of your estate and your dependents about what your wishes, your hopes and your future plans for your dependents are.

There are two things to bear in mind:

  1. Think of your letter of intent as a set of guidelines, not rules. You are handing over the job to someone who is not you (and never will be), so let them do their best with the situation they have; if there are any ‘dealbreakers’, it’s probably a good idea to discuss them in person before you assign them the responsibility.
  2. Make sure you have the funds to back it up. There’s nothing like being left with a laundry list of expectations, and no money to do it. It’s the same lesson we teach our children; if it’s that important, you should be willing to pay for it with your own money..
  3. Don’t assume children are your only dependents; you may need to make provision for your parents, your pets or your clients.

So there we go – you are well on the way to getting your plans a little more ‘future-proofed’, whether in terms of money, care for your dependents, or what they say about you in your obituary. Just remember; your epitaph really is the one thing that is written in stone…

 

Expat Success - Make your mistakes quickly. Defining Moves - The Art of Successful Relocation. Information, inspiration and resources for the global trailing spouse, accompanying partner, international assignment, expat family, expatriate

The Secret to Expat Success… And Why.

Expat Success - Make your mistakes quickly. Defining Moves - The Art of Successful Relocation. Information, inspiration and resources for the global trailing spouse, accompanying partner, international assignment, expat family, expatriate

 

 

I knew it. Finally, the insanity that is my expat life – and most of the website – has been vindicated, and it’s all thanks to Ellen Mahoney over at Sea Change Mentoring. She introduced me to the groundbreaking advice given by a tech start-up entrepreneur, as a recipe for global success and world domination…

 

Make your mistakes quickly

 

As a person whose family motto is “Disaster soon follows”, I have long been a proponent of this approach, with no idea that I was such thought leader. I had just assumed I was incompetent and (in a rare moment of self-acceptance) decided not to fight it. It’s a phrase that could be part of every expat mission statement, and should probably replace a lot of the well intentioned advice given in the all-too-brief briefing sessions; “learn the language”, “ get out and make friends” and my personal favorite “ join a gym”… Hmmm. Instead, the secret to expat success is familiar and effortlessly achievable – the global gaffe. And here’s why.

 

1. It reminds us that we will make mistakes.

In the assignment planning stage, it’s important to focus on the positive, but in doing so we often forget that expat life is still life. Mistakes happen, and when you are in an environment with unfamiliar language, culture, rules and expectations, they happen a lot. Making your mistakes quickly reminds us to expect – and even plan – for those mistakes. Whether that means working with a destination service provider or an expat coach, doing your own exhaustive research or simply being patient with yourself while you transition (or all of the above), it’s vital to acknowledge that perfection is impossible, and good enough is, well, good enough.

 

2. We focus on ‘right’ as a victory, rather than ‘wrong’ as a failure.

I once did a stint as a sales consultant and one of the job requirements was calling customers to set appointments. It was (and no doubt, still is) a miserable task –  you knew that your cheerful introduction could be greeted with anything from interest, to polite refusal, to a torrent of abuse and a dial tone. Thankfully, I was armed with a secret weapon; the company set targets for calls made, and let the actual results take care of themselves. So every call made was a relief – one less to do, one step closer to reaching the goal. Acknowledging that mistakes are inevitable (and in the early days, we are more likely to get it wrong than get it right) is incredibly freeing. It gives us permission to focus on the actions and let the outcomes take care of themselves. It prepares us for failure, and when things do go right, we get to stop, acknowledge it for the triumph that it is, and celebrate.

 

 3. It gets you out there.

Having taken away the fear of failure, there’s nothing like the element of competition to spur us on. Experienced expats (i.e. those who have been comprehensive in their cock-ups) can entertain for hours with hilarious stories of endless mishaps, miscommunications or general disasters; just visit the bar at any FIGT conference and listen for the raucous laughter if you don’t believe me. It’s the expat version of the Olympic Decathlon, with extra points for speed, style and variety. All that’s missing is the opening ceremony, the national uniforms and the lycra. But don’t let us stop you…

 

4. It helps you to bond.

If there’s one thing that unites the expat world, it’s our inability to watch people struggle without feeling some serious empathy. It’s one of the unwritten laws of expat life; we’re all in this together, and in my mind, there is a special place in Hell for expats who don’t help each other. Putting yourself out there and making mistakes publicly transports us all back to our early days and disasters, and gives us something in common that transcends language, culture or belief. It reminds us that we are human, and we love you for it.

 

5. It makes you brave.

Fear of failure is crippling, and stops us doing so many things that would take ordinary life and make it extraordinary. By contrast, being forced into situations where mistakes are inevitable and accepting them as a mere part of life’s journey gives us the motivation to be creative, to take risks and to try new things constantly. We dream big, and even if it doesn’t work out perfectly, we don’t go home. We learn that it hasn’t killed us, and we are really are stronger.

 

So there you have it – official permission to create chaos and have fun doing it. Providing of course, you follow our lead and share all your finer moments. Now we just need merit badges and an awards ceremony…

Expat essentials. Writing a will. Defining Moves - The Art of Successful relocation. Information, inspiration and resources for the global expat family, trailing spouse, accompanying partner, global services manager, relocation service provider, destinations service provider.. you get the picture.

(Often Ignored) Expat Essentials – Writing a Will.

Yes, I know. You don’t want to think about it, much less talk about it, which is why I have been getting shifty looks from most of my expat network this week when I asked them the seemingly simple question: “Do you have a will?” Want to know how many people said “Yes”?

Two. Out of about thirty people, all of whom have high net worth, children from at least one relationship, and often dual citizenship / resident status. A little worrying, no? 

I can’t claim the moral high ground – we recently unearthed our Will, dusty from 10 years in an unmarked cardboard box in a storage container in Walthamstow. Not exactly accessible in the event of our demise, and even worse, was so out of date that the paperclip holding it together was rusty and the Feisty One was not even mentioned. So on her behalf, I am doing something about it… Here goes.

Expat essentials. Writing a will. Defining Moves - The Art of Successful relocation. Information, inspiration and resources for the global expat family, trailing spouse, accompanying partner, global services manager, relocation service provider, destinations service provider.. you get the picture. I have a new dirty word: intestate. For those of you who have been living a carefree life of blissful indifference, it’s what happens when you don’t have a will. For non-expats, the implications are unpleasant: it gives the state responsibility and control over the division of your estate, decisions about who will take care of your dependents, the timeframe it all happens and (of course) access to a large chunk of your assets via taxes.

It’s a simple fix – a Will. It’s the document that tells those left behind what you want to happen to your dependents and estate.  Most of us overthink it, imagining a torturous process requiring three weeks of desperate hunting for title deeds and old bank statements. Nothing could be further from the truth – the best wills are simple statements of intent, which give executors something to work with and a few clues about where you have hidden your treasure. Combine that with a good estate planning lawyer and you will create a plan that saves everyone time, money and heartache at a time when they are most vulnerable.

Introducing first part of the Defining Moves “Ducks in a Row” program. Our aims are simple:

  • To inspire you to act. Right now. Because this is important.
  • To get you to the lawyer on time. We want to prompt to you think, discuss, list and plan, so that any legal advice you get is based on reality, not just the bits you could remember in the car on the way to the lawyer’s office. And make sure that when whoever prepares your will asks a question, you know the answer and are not paying $300 per hour for them to watch you think about it / argue with your spouse / try to remember whether or not you mailed the last life insurance premium.

So grab your pencil and paper, and let’s get started…

 

Step one: The People.

There are three groups of people you need to consider when drafting a Will;

  1. your dependents
  2. your beneficiaries
  3. your executors

 

Dependents.

These are the people who rely on you for some sort of care, support and/or protection. Traditionally, these were children still living at home, but modern families are often complicated with blended families, shared custody arrangements, adoptive children, elder relatives and even pets added to the mix. Thankfully, lawyers have seen it all before, and, even better if you have a family as nutty as mine, are sworn to secrecy…

Make of the list of those who you are responsible for, whether physically, socially, financially or legally, and the type of care you provide. Keep it simple – the rest can be figured out later – at this stage, your task is to create a comprehensive list.

Now list any special circumstances that will have to be addressed.  For many families, this may involve shared custody, child support or special needs but for expats there may also be issues of differing nationalities, citizenship and resident status that may have tax and legal implications.

For those of you with your own business, bear in mind that you may also have professional responsibility for continuity of care of clients – check your licensing organization or professional code of conduct if you are unsure.

 

Beneficiaries.

Your beneficiaries are the recipients of your estate – usually immediate descendants, siblings, friends and charities. Typically, assets are divided equally between your children, so if you want to use a different split, make this clear to your lawyer so that they can prevent your will being subject to legal contest. Note also that laws differ about division of assets when you die intestate – half siblings, step and adoptive children are often treated differently, and the portion of the estate automatically assigned to the spouse varies widely internationally.

If you have any other people or organizations who you want to leave money to, add them to your list now.

 

Executors, Financial Guardians and Legal Guardians.

It’s your group of guardian angels, so pick wisely. These are people who you trust to administer your estate and make sure your wishes are carried out, to care for your dependents and to manage the finances of the beneficiaries if they are unable to do so. The roles carry huge responsibility, so discuss whether or not your intended choices are both willing and able. They can be family members, friends or lawyers; typically, lawyers are paid (and aren’t given custody of the children…) whereas family and friends are less likely to be.

Note that guardianship differs from child custody: while custody refers to the physical care provided by a parent (who may have no legal powers), legal guardianship may involve physical and/or legal custody, and continues until the child reaches adulthood or the guardian’s death. By contrast, especially in the modern family, custody is far more flexible and changes according to the situations of the parents.

Here’s where expats need to be especially careful, because the local laws may be very different to those of your home nation and custody / guardianship arrangements and next of kin may not follow familiar rules. In the UAE, for instance, if no will is in place, Sharia law prevails, meaning that assets and custody of children potentially follow the male line – your husband / partner’s parents, brothers and sisters. How is your relationship with your mother-in-law, by the way?

 

Step Two: The Money

Your estate is the sum total of your assets, and while many of you will be rolling your eyes that I am pointing out the obvious, I can guarantee that there will be plenty of things that you will have forgotten. The temptation is to run to the filing cabinet / junk drawer and fish out the most recent bank statement, and start noting down numbers, but don’t. Your assets are constantly changing, so you only need to include categories – current and savings accounts, property, jewelry stocks, shares, businesses, investment accounts, life insurance, digital assets (websites, videos etc) – and where those assets are held. For a starter list, click here for pdf cheat sheet.

While you are making your list, make note of who your beneficiaries are, and how they are reported. Typically, life insurance goes to the spouse, but in a world where divorce rates run at about 45%, there are a huge number of exes who are still listed as primary beneficiary. Take note, and make any necessary changes…

 

Step Three: The Decisions

Now that you have the information, you can start making decisions about how to pass on your legacy, human or otherwise. Your key priorities are the welfare of your dependents, so start with those and work from there.

Guardianship of dependents.

Who do you want to care for your dependents if you are no longer around to do so? Depending on the complexity of your family and the types of dependents, there may be more than one answer to this question, so set it all out clearly, naming each dependent individually. Talk to all the parties concerned before you head to the lawyer’s office – you may be surprised to hear who your children would hate to live with, or which relative is intending to move to Outer Mongolia next month – to prevent return visits. Factors that may affect your decision are not just emotional – also consider location (how will your children feel about leaving the country, for instance), age and health of potential guardians, relationship with other friends and family, support network and financial ability to provide care.

Include financial provision for your dependents and decide who you want to manage your estate for them if they are still minors. In many cases, life insurance helps to cover the cost of raising children, but once you include the cost of college education it may not go as far as you think.

Financial, legal and professional dependent provision will require discussion with your lawyer and with those who you nominate to take over; the good news is that if planned in advance, the process is straightforward (and certainly infinitely preferable to leaving your legal advisor / executor to try to unravel the mess in your absence).

 

Step Four: The Division

This is the fun bit, providing you have money to leave. But before you start divvying up between your offspring and the local cat protection league, here are a few pointers:

  1. Remember that your debts and liabilities (taxes, funeral expenses, etc) will be deducted from your estate before the remainder is distributed. You can offset many of these by establishing a Trust, which will will talk about in the next chapter, but for the moment, just remember to include your loans, debts and other obligations when you are cataloging your estate.
  2. Ensure that you own your assets outright before you will them away. Anything jointly owned needs careful consideration to avoid passing on a headache rather than a well-intentioned gift. If you hadn’t already discussed future plans with the co-owner(s), now is the time to do so.
  3. Now is not the time to make a point. Sure, you may have favorites, but remember that in many cases you are not just leaving behind a bequest, but a lifetime of family discord and ill-feeling – not to mention legal challenges. It may seem a lovely idea to leave the bulk of your estate to your newest grandchild/ favorite nephew or next door neighbor, but the resulting fallout can often sour the best of intentions. The same rules apply for property – find out which mementos, furniture or jewelry are most loved by your friends and family, and divide accordingly, informing all of them who has been given what. That way, any discussions, disagreements or disappointments can be directed at you, rather than unwitting recipients.
  4. While we are on the subject of leaving objects to people, think carefully about whether they want them, and the responsibility you are handing over. It’s difficult to part with things, no matter how ugly, unwanted or expensive to maintain without feeling disloyal to the person who gifted it.

Now you have done the difficult bit, it’s time to put pen to paper and make a rough outline to take to the lawyer’s office. If you are an expat, you may be advised to get legal input from both your home and host nation perspective – while the laws of your home nation usually take precedence, extended residence overseas may change the rules, so be sure to explain the situation rather than making assumptions.

You need to include:

  • Your name, and identifying details (usually your address, but if you are an expat, you will need to clarify your domicile (primary place of residence) with an experienced lawyer – it has significant tax and legal implications.
  • Names of beneficiaries; the people and organizations you want to leave your assets (whether money, housing, land, stock options, digital assets etc ).
  • The name of your executor (the person responsible for making sure your wishes are met).
  • Guardians of your dependents – Legal and physical.
  • Who gets what.
  • Your legal advisor should also include a “residual clause” that states the recipient for any assets you forgot to mention, or have been accrued since you wrote your will. “I bequeath any residue to” should take care of it.
  • Signature and date, with initials and date on every page.

Congratulations if you made it to this point- you are well on your way. In the next post, we’ll be introducing the fun stuff.. Planning your funeral, Living Wills and frustrating the tax man.

Bet you can hardly wait.

 

Further Resources:

Nolo.com – Legal encylopedia – Wills

USA.gov – advice on writing both social media and regular wills.

UK Citizens Advice Bureau information on writing a will.

Australia. gov – Resources on wills and power of attorney

The Fragile Finances of the Expat Trailing Spouse. Defining Moves, The Art of Successful Relocation

Women, Money and What ‘Dependent Partner’ really means. The Fragile Finances of the Expat Trailing Spouse.

The Fragile Finances of the Expat Trailing Spouse. Defining Moves, The Art of Successful RelocationUpdate: After considerable lobbying from consumer groups, the US Bureau of Consumer Financial Protection has amended the rule requiring evidence of independent income when applying for consumer credit, replacing it with a declaration of household income. This is excellent news for accompanying partners in the United States who had been denied access to credit and left unable to build an independent financial identity, in a country where a credit card or credit history is required for everything from hiring a car to setting up a cell phone contract. Sanity is restored…

I came to a horrible realization the other day that I was beholden to my husband. It sounds incredibly old-fashioned; even using the word ‘partner’ in that sentence would be wrong, because it implies an equality that I had let slip away.

The dictionary describes the term beholden as owing something to somebody because of something that they have done for you’, so if you view being shuffled from pillar to international post as a favour, the word pretty much covers it. I realized that although I live in California, where community property and a 50/50 division applies, I did not have the independent means to pay for legal advice. And when he leaves all his dirty breakfast dishes on the counter above the dishwasher for the 5 millionth time, there is a big emotional difference between don’t want to divorce my Other Half, and CAN’T…

As with the vast majority of dual career couples, when I agreed to the OH’s first relocation, I was aware that from now on my own career would take a back seat. Global mobility research discusses the change (usually reduction) in income when a couple relocate, but discussion centres around household income, rather than individual earning power.

Which is exactly what I have lost. I have never worked in professions known for lavish salaries (nursing or teaching, anyone??), but I was able to earn significant personal income with opportunities for promotion. Now, however, my sole income in drawn from the ‘household’, and as such, is vulnerable. And I’m not alone.

It’s not just those of us who relocate that are in this position. It’s anyone who has chosen to reduce or give up work to manage family commitments, whether you are in constant global motion, or have never set foot outside your home town. If you have no independent source of income, whoever earns the salary holds the keys to your supposed household income.  And while you are legally entitled to a portion of those, it requires court approval to gain access to them, whatever the circumstances. Which also requires legal counsel, who (funnily enough) will want to be paid.

Take credit cards. Over the last 20 years, we have become used to being approved for credit, regardless of our personal income; the household income has always been taken into account. Sure, the credit limit may be small, but it’s quickly increased once our payment history shows our ability to make payments and manage the account well. However change is afoot, certainly in the US, where credit card issuers are changing their rules, and making it far more difficult for the accompanying partner to gain credit (and a good credit history), unless they are employed outside of home.

Last year, the Fed ruled that credit card applications should ask about a consumer’s individual income or salary rather than his or her “household income”. This isn’t just for students under 21, but for everyone. That means that a stay-at-home parent is considered as unworthy of credit as an unemployed college kid–and seven out of eight stay-at-home parents are mothers. No one without a pay stub, no matter the value of her contribution to her household, can get a line of credit unless her spouse cosigns the account. (Anisha Sekar,  July 7, 2011)

Now, in light of the recent economic meltdown, placing more focus on individual income and ability to repay debts is no bad thing, but it does have ramifications for those of us who suddenly lose the ability to get even the most basic forms of credit like a cell phone contract or credit card. It also means that unless you are named on the account, you lose the ability to make financial decisions, access accounts and resolve disputes, which if, like mine, your partner spends a great deal of time out of the country and on air flights, can make financial management impossible.

The Other Half is also the primary name on the host country bank account, and I don’t have automatic access to his account. Typically, he goes ahead to take up his new post, while I remain behind with the children to finish up the school year and pack the house for the move. It works well for us, but does mean that he has sole responsibility for setting up basic financial services in the new location, so it is his name on the salary transfer and tax details, and therefore his name on the account, at least until we get around to updating it.

We choose to manage this by having me sign all the checks (if he signed one himself, it would probably be dismissed as a forgery), I have the ATM card and PIN number, and I’ve set up the internet banking with my passwords. And while this unusual state of affairs makes for amusing dinner party conversation, it gives me absolutely no legal right to the household funds in that account, nor access to them should he suddenly develop amnesia / get run down by a London bus / decide to trade me in for a younger, blonder model…

The mention of Tax ID and salary above should alert you to the fact that opening your own bank account is not necessarily as easy as it first appears. Requirements vary from country to country, but most require evidence of who you are, your legal right to be in the country, how you will pay tax on any interest, and how you intend to fund the account. So when you turn up with your passport and cash, you may be disappointed… However, it is something that is worth doing if you value your sanity, because things can and do go wrong, and I am willing to bet that it is you who will be left holding the can when it does. If the money is in your sole name, you have control over it; if it’s not, you don’t. Simple as that.

And finally, let me mention the dying thing. I have known a few situations where a spouse has died at a young age, and not once did I ever hear the words “well now, let’s get on and sort out the money”. What I saw were people who had their lives knocked out from under them, who were trying to cope with immense loss, overwhelming grief, and devastated children. Imagine how much worse it gets when you are overseas, your right to be in the country expired with the demise of your spouse, and all your assets (and therefore your ability to get home, to make funeral arrangements, to pay medical bills and to pay for normal household expenses) are now severely compromised. I have seen it happen, and it was horrific.

So, if you do nothing else today, do these things for me, wherever you are. Get started on your own personal credit history, even if you have to take out a secured credit card to do it. Promise to keep track of your credit score, every month. Get an independent bank account in your host country, and commit to funding it, every month. And finally, make a joint will, keep it simple and safe, and make sure it is legal in the country that you live in.

Oprah would be proud. I feel more secure already…

Tools for Transition - Expat Parenting Resources. Defining Moves - the art of successful relocation. Information, Inspiration and resources for the global trailing spouse, accompanying partner and international assignment

Expat Parenting: Relocation Resources for Parents, Expat Children and Cross Culture Kids

Tools for Transition - Expat Parenting Resources. Defining Moves - the art of successful relocation. Information, Inspiration and resources for the global trailing spouse, accompanying partner and international assignmentExpat parenting is tricky. Brookfield’s 2012 Global Relocation Trends survey reported that 43% of international assignments involved families with children and for those of us who make up that statistic, it’s a constant balancing act – wanting our newly expat children to experience the world, other cultures and languages, while trying desperately not to scar them for life with constant upheaval. As a parent whose oldest child announced in February that we had “ruined his life” only to be startled by a choice of college major that involved global travel, it appears we are never going to get it right. Still, in the interests of improving my (obviously poor) expat parenting rating, I have compiled a list of relocation resources that others in the same boat can turn to in their hour(s) of need…

Full disclosure. I have received no compensation from anyone for this post (unless you count the three bars of Australian Cadbury’s Fruit & Nut chocolate that Trisha Carter of the CICollective smuggled into FIGT 2013 for me. But as she managed to inadvertently leave with my Burberry sunglasses and signed copy of An Inconvenient Posting, I would argue that I still have the financial moral high ground..), and the opinions expressed are my own.

 

CiCollective.

The brainchild of psychologist and Intercultural specialist Trisha Carter, this comprehensive resource provides ebooks, webinars, podcasts and an Ask the Expert forum for families going through global transition. There are plenty of excellent tools and information for the adult family members (the CICollective has one of the best family-centered transition collections I have seen), the resources aimed at children are down to earth, useable and address the needs of the different age groups individually.

Trisha’s passion and expertise shines through in the attention to detail and very personal feel, while her use of professional educators in developing each child-centred resource means that you get the best possible advice from both perspectives. Access to the site is provided through individual or corporate membership, and the monthly newsletters announcing the latest offerings testify to Trisha’s awe-inspiring work ethic.. Visit the CiCollective here.

 

Pixie’s New Home

Written by Emmanuelle Payot Karpathakis, herself an expat and mother of CCKs, Pixie’s New home is a wonderful way to introduce young children to the idea of moving, addressing many the emotions and challenges of relocation. Beautiful illustrations allow even pre-readers to follow Pixie’s experiences, encouraging children to ask questions and discuss concerns with parents, while keeping hold of the excitement, the hopes and the potential for new friends and adventures.

Pixie’s New Home is available in English, French, Spanish, Portuguese, German and Russian, with both more languages and adventures to come.

Read more about Pixie here

 

Transitional Learning.

At the recent FIGT conference, I was mesmerized by a stuffed caterpillar (complete with tiny wings) making it’s way around the halls. It was accompanied by Dr Jill Kristal, a clinical psychologist who, along with her colleagues at Transitional Learning, specializes in supporting individuals and families through transition. The company  produces the excellent ‘Our Move‘ range of resources that help stimulate discussion and address the issues of moving from a child’s perspective. They are tools that I wish I had known about when we first started moving, and reflect both Jill’s personal and professional experiences of expat life, being both simple, accessible and genuinely fun to use. They focus not just on the challenges ahead, but also on a wider perspective – questions like ‘What will you be glad to leave behind?” (inevitably one of the teachers) and “Who do you think is most excited about moving?” prompt children to see the move from a family perspective rather than a solely personal one.

As for the caterpillar? It’s a testament to Jill’s commitment to encouraging others that she should come to a conference carrying a product by another company rather than promoting her own – in this case Kimochis, a series of seven different soft toys designed to help children express their emotions. Bugs (the name of aforementioned creature) was brought to FIGT specifically because he “is afraid of change and has to work on being brave and preparing himself for something new”. Each character comes with a set three ‘feelings’ which can be tucked into the toy’s tummy to reflect the feelings of it’s owner, so it was fascinating to watch Bug’s (and Jill’s!) progress over the two days.  Frankly, some days I could do with one all of my own..

 

Sea Change Mentoring

Sea Change Mentoring is an organization founded by the dynamic Ellen Mahoney, which pairs teens in global transition with mentors who have already successfully navigated expat childhood and adolescence. As a parent of a teen, I am all too aware of the need for communication outside of the occasional grunt, but am stymied by the fact that my status as parent automatically excludes me from any meaningful dialogue. Meanwhile, life on the move means young adults don’t necessarily have access to friends and family who understand the challenges, and parents who are struggling with their own adaptations. Enter SeaChange Mentors, who I like to think of as Expat Life tutors, allowing teens to work through the problems and confusion of nomadic life in a safe space with expertise and real life experience – and let the parents simply be parents.

Mentoring (like most of teenage life..) is carried out online by professional mentors, and while there is a well developed curriculum underpinning the program, the focus remains firmly on the needs of the individual. It’s online format means that the  mentoring relationship is portable, and so can provide a welcome source of stability at a time when everything else is in transition.

 

Arborbridge

While we are on the subject of the challenges of raising a teen, let me introduce you to Arborbridge. If you haven’t already heard of them, they are an online tutoring resource that, in their words “connect students all over the world to America’s most elite tutors.”. Which sounds ambitious, but if their website is anything to go by, they are doing a darn good job.

It’s a problem that most expats face; no matter how bright the child, how distinguished the school or how smooth the transition, there will be gaps in knowledge – both your child’s, and your own. The time spent moving, the impact of change or simply the differences in curricula between locations means that vital information will be missing, and when it comes to pre-college entry tests, the consequences of being unprepared get serious.

Enter Arborbridge. They provide an interactive tutoring platform for making college entry testing – the SAT and ACT – available globally, providing access not only to experienced, talented tutors (and let’s face it, finding decent tutors is an ongoing parental headache), but also to a full range of services to help you navigate the college admission minefield process.. The site also features free information on a range of high school curricula (the International Baccalaureate, for instance), international college applications, recommended / required standardized testing and links to all the relevant websites, so if (like me) you are struggling with the whole college entry issue, you might want to head over there..

 

The Global Nomad’s Guide to University Transition

It’s easy to think that once our children have made it to college, that all the challenges of a nomadic life magically disappear. In reality, college bound CCK’s often find that a lifetime spent away from the country that they think of as home has left them with more in common with international students than their fellow nationals. It’s an issue that expat parent, adult TCK, cross-cultural trainer and author  Tina Quick addresses in her groundbreaking book, The Global Nomad’s Guide to University Transition.

Tina’s passion, expat experiences and commitment to better preparing families for transition make this book a must read for anyone who has a college bound child. She clearly explains the challenges that they may face, using the voices of students themselves to introduce each section. Most importantly, Tina highlights practical suggestions for tackling each issue – and when I say practical, I mean it. It’s like sending your child off into the world with a reliable friend, an extra parent and a wise counselor all in one, and if there was one essential textbook that should be on every expat student list, it’s this one.

 

FIGT has extended it’s Registration Deadline!

You all know that I love the Families in Global Transition organization, with its incredible range of presenters and members, the warm welcome and their devotion to empowering families involved in international transition –  so I am delighted to announce that they have extended their registration deadline to this Friday!
If you are thinking of attending, now’s the time to do it. Not only is there a fantastic new venue, but there is an ever wider range of sessions, all shoehorned into an action packed two days.. So what are you waiting for?!
(Can you tell I’m excited..?)
FIGT Logo
Just Announced:
Conference Registration Extended Through Friday, 3/15 at Midnight

 

Registration will close tomorrow, Friday March 15th at Midnight. Don’t miss the opportunity to attend the 15th Annual FIGT Conference. Register now and secure your spot.Remember, FIGT members save $100 on the new low cost of conference registration. Not a member,learn more today.
Traveling into the area? Click here to learn about your local transportation options.
What is new at FIGT 2013? Just about EVERYTHING!
  • New venue
  • New low registration rate
  • New two-day format
  • New and exciting Ignite-style sessions
  • New and different closing plenary session not to be missed!
  • Launch of the new FIGT cookbook

 

While still delivering the same high quality, educational, innovative presentations:

  • Concurrent sessions
  • Kitchen Table Conversations
  • Panel discussions
  • Early Bird discussions
  • Research posters
  • Researchers’ Forum and Network

And, let’s not forget:

  • The fabulous FIGT bookstore
  • Incredible raffle prizes
  • Networking, networking, networking!

Expat Parenting – The International Peace Treaty..

expat parenting - how it takes more than one village to raise a CCK / TCK. Defining Moves, information, inspiration and resources for the global trailing spouse, accompanying partner, international assignment transferee..  When I originally wrote this post, I had yet to hit the expat parenting minefield that is the adolescent CCK (Cross Culture Kid). I now know firsthand the dubious pleasure of putting a career on hold to focus on transplanting children, only to be calmly told that I have “ruined” their lives.. 

Thus comes the realization that parenting is a truly thankless task, and it’s only the support of fellow sufferers that keep one from running screaming to the nearest liquor store. It’s why expat parents become experts at nurturing a large group of people who will provide support, comfort, alcohol and surveillance services through our child’s teenage years, people who, regardless of location, language, culture or religion, follow the same, previously unwritten code. For those of you who we rely on for our daily dose of sanity, here it is..

  1. Thou shalt not post pictures of home-made birthday cake excellence on Facebook, so that my children spot them and spend the next ten years bringing up my own birthday cake inadequacies.
  2. Thou shalt not point out that your child is walking and talking while mine has spent the last three hours with his hands down his trousers.
  3. When spying my child indulging in antisocial activities in public, thou shalt utter the words “her mother will be very cross when she finds out about that”; implicitly underlining that a) I am the all seeing, attentive parent, and b) I have high behavioral standards. It is irrelevant whether you believe this or not, and extra credit is given for saying it when other parents are present.
  4. When spying my child inappropriately dressed, thou shalt sing out in a helpful tone “Would you like me to call your mother to drop off your sweater / trousers / anything that doesn’t look like a Britney Spears outfit?”, thus communicating to the child that a) she’s busted; b) you are willing to go there; and c) there are eyes everywhere. Extra credit is given for not telling me about inappropriate attire unless there is a repeat occurrence.
  5. When my teenage child makes an inappropriate remark, thou shalt enter into a lengthy and awkward story about your own teenage angst, preferably with reference to kissing. The mental picture of adults ever indulging in such behavior is enough to silence any outburst, and serves as a cruel and unusual punishment which rarely has to be repeated.
  6. When my child comes looking for sympathy about my latest parenting gaffe, thou shalt listen kindly and then retell the story about how aforementioned child once had diarrhea next to the deli counter in a crowded supermarket, and until life roles are reversed, I still have the moral high ground.
  7. When my child comes looking for support in opposition to the latest parenting policy, thou shalt listen sympathetically, nod furiously, make noises of agreement, and then reiterate policy without the benefit of parent type shrieking. Extra credit is given if child thanks you for being so reasonable and fails to notice that it is the same policy.
  8. When my child leaves home, thou shalt not mention how many times I uttered the words “I can’t wait for them to leave home” and instead hand over tissues and gin to drown my sorrows.
  9. Should my child get married, thou shalt attend the wedding without publicly mentioning the pant fumbling, the diarrhea, the inappropriate clothing or the teenage years. Extra credit is given for having photographic evidence for use in ensuring timely Christmas visits etc.
  10. When my child has children, thou shalt join me in watching them recreate all my worst mistakes, smile and enjoy the show..

Photo courtesy of Clare Kruse, who inspired this post by breaking Rule 1..

Gender, Communication and the Adolescent Male. A Recipe for Disaster.

The years of intercultural miscommunication are finally paying off. Having created chaos and given offense across three continents, I am now the acknowledged expert in the art of the apology, and thanks to Wiggy One, yesterday I got to practice them, Yet again.

For those of you with teenage sons, I know you feel my pain. For those of you who have yet to experience the joy that can only be found in trying to raise an adolescent male, you might want to file this letter away for future reference, because you are going to need it.

Dear Ms X,

I was somewhat alarmed at The Wiggy One’s current English grade, and on close questioning he confessed that after completing what he felt was an inspired essay on the themes contained within The Scarlet Letter, he followed it up with the classic line ” And I didn’t even read the book”. I was unsurprised to see your “Let’s talk” response, and can only congratulate you on your restraint.

I can vouch for the fact that he has in fact read the book in its entirety, mainly because he generously shares his discontent with the writing of Nathaniel Hawthorne on a nightly basis at the dinner table, and has stolen all of my Post It notes. I can only hope that War and Peace is not on the curriculum this year, or I may have to abandon home cooked meals in favor of TV dinners and a locked stationary cabinet.

I have yet to comprehend the inner workings of the teenage male mind, and consider my day a success if no-one died and nobody got pregnant. Low standards, I know, but it’s either that or risk developing an unhealthy relationship with alcohol. What I am looking forward to is that pivotal moment in college when he realizes that all the interest, time and effort that others have invested in him over the years has been because we are all kind, good and caring people, and not because he is the Uncrowned King of the Universe or the Second Coming, both of which seem to be common delusions in adolescent males.

We have had a sustained discussion on the value of knowing the line between off the cuff humour and being a disrespectful arse, and how he has crossed it. I have also pointed out that if he fails to rescue the situation, his dreams of college may be rather closer to home (i.e the local Community College) than he anticipated. You will be delighted to know that not only did you succeed in fostering his understanding of classic literature, but also of the consequences of ill-thought out comments and a newfound respect for the role (and power) of educators in shaping one’s future.

At this point, I should probably be pleading with you to grade him on his written efforts rather than his verbal idiocy. Truthfully, I would rather not have to deal with the repercussions of a 0 grade for the next 18 months, nor his potential extended residence at home, so I do appreciate any clemency that you might offer. However, I must also thank you for teaching him a very valuable lesson about words, actions, consequences and adolescent insanity. I have a feeling that this will be one of his defining High School moments.

Yours sincerely,

Me.

 

(Photo courtesy of The State Library of New South Wales)

FIGT Conference March 22-23 2013

Why You (and every expat) Should Be Going to FIGT 2013

FIGT Conference March 22-23 2013It seems incredible that a year has passed since the last Families in Global Transition conference; forever infamous as the one where I had a complete (and very public ) online meltdown at the eminence and credentials of my fellow presenters, only to have my cover blown by one Judy Rickatson, (aka @wifeinasuitcase) who is the expat online version of Wikipedia. If it’s out there, she knows about it, Tweets, Likes and Pins about it, and, I strongly suspect, has superhuman powers. If she was in charge of the search for the Holy Grail, it would have been found years ago, and it has become my life’s work to try and find an expat blog that she hasn’t yet discovered. She is the Simon Cowell of the expat social media world, discovering talent from the four corners of the globe; only much, much nicer.

Hence my blubbering gaining the attention of various members and supporters of FIGT, who all headed across to the Defining Moves website to offer kind words, support and offers of hospitality. It was the single most generous spirited gesture, and it embodies all that is special about the FIGT organization. People with years of experience, a hugely diverse range of backgrounds and an incredible depth of knowledge, all passionate about making expat life better.

It’s why I can’t wait to go back this year, and why you should all be joining me too. It’s a two day whirlwind of people, presentations and discussions from every perspective; starting with a keynote presentation from the brilliant Pico Iyer. Whether you are an accompanying partner, a expat service provider or from corporate HR, you will leave with a wealth of information and a host of new friends and real, live expat human resources. The only dilemma is how to fit it all into two days.

As for me, I have very personal reasons to want to go there too. It will be the first time I will actually meet many online friends in person, both those who regularly pop up here in the comments sections, on the Facebook page and on my Twitter feed.

At the top of my list?

Judy, of course.

 

If you need more information about Families in Global Transition and the FIGT 2013 conference, here’s the link to their website, including information on registering, becoming a member (as well as all the other benefits, you qualify for a reduced registration fee), global affiliates, sponsorship,  the New Attendees information webinar and the New Attendees welcome evening. I hope to see you there!