Expat Women - Helping Expatriate Women Living Overseas - Expat Relocation Abroad

Organization and management of your finances is extremely important - even more so when you live overseas and have money in your host country and money at home. Understanding tax implications and investment opportunites while abroad can be complex issues, but ones that cannot be ignored. Take the time to learn all you can about your money and how to protect it and make it grow for you!

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Articles

Top 5 Questions to Ask Before Buying an Offshore Savings Plan
Anthony Noto, CFA

Living abroad, you might have been approached about ‘special tax-advantaged investments available only to expatriates’. With the allure of exotic locations and tax savings, a number of people sign up to offshore savings plans without fully understanding the investment. Anthony Noto in Shanghai shares with us his top five questions to ask...

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5 Financial Steps to Take Before Moving Abroad
Maxim Global Wealth Advisors

Planning a move to another country is an exciting, but daunting undertaking which requires significant planning and preparation... so it is not surprising that new expats often fail to arrange their financial lives properly before making their move. This can be a costly mistake...

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An Explanation of Structured Investments
Maxim Global Wealth Advisors

Given the popularity of structured investments (also called notes or products) in Europe and Japan, and their growing use in the U.S., we thought it would be important to explain them to our readers...

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Six Keys to Successful

Investing

Maxim Global Wealth

Advisors

A successful investor maximizes gain and minimizes loss. Here are six basic principles that may help you invest more successfully...

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Is a Foreign Mortgage Worth the Risk?
Maxim Global Wealth Advisors

I am no fan of investing in real estate in Western Europe at the moment. One of the biggest risks I see (aside from the fact that real estate prices have not "corrected" yet in many cities) is a little-known IRS law concerning taking out a mortgage in foreign currency...

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U.S. Expatriates:
Two Sets of Needs,
Two Sets of Investment Goals
International Herald Tribune

For Americans abroad, investing can be especially complicated. In addition to the usual asset-allocation calculus, expatriate Americans must consider the consequences of two tax systems each of them likely to apply different rules to earned and investment income, capital gains and pension savings - and two currencies...

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Do I Need Life Insurance And If So How Much?
Chris Clare

This is a question that is often asked of me as a financial advisor and one that is very simple to answer. In order to establish if someone needs life insurance you first need to ask yourself a very simple question. In the event I die will anyone be financially worse off?

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Getting a Mortgage In The New Financial Climate
Chris Clare

It has to be said to those who have not been listening to any news on the TV, or reading any papers or to those people who have been living like an utter recluse, getting a mortgage today is just a little bit harder than it was 12 months ago. Oh and is that the understatement of 2008!

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Despite Current Economic Climate, Financial Services Companies Are Still Transferring Key Employees GMAC Relocation Services

(30 June 2008) When it comes to transferring employees around the globe, the majority of the world’s financial-services firms are focused on reducing costs and increasing efficiencies, yet still have to accommodate the need for “knowledge transfer” into emerging markets. A recent survey, International Mobility in the Financial Services Sector: The Challenge of Emerging Markets, included interviews with human resource professionals responsible for ...

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Moving Abroad: How to Maintain (or Restore) a Feeling of Balance and Control in Your Life and Finances
Jennifer A. Patterson

Whether you are moving abroad to pursue a new international career posting, retiring abroad or repatriating, there are several major issues that affect your pocket book and your heart and soul that deserve contemplation and (ideally) action before you begin filling any moving boxes. By taking time before you move to take inventory of your life and your financial matters, you will be better prepared emotionally and financially.

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Truth About Overseas Assignments and Expat Relocation Packages
ShelterOffShore.com

In this article we examine the truth about overseas assignments and relocation packages for anyone contemplating an offer from their company to work abroad for a period of time. We’ll show you what you need to negotiate for and how to go...

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When Families Cross Borders
Jennifer Patterson

Jennifer Patterson talks about the inter relatedness of personal relationships, money and international boundaries in her book, When Families Cross Borders, A Guide for Internationally Mobile People.

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Can Offshore Banking
Benefit You?
Shelter Offshore

When I first decided that I wanted to take up a job offer abroad about ten years ago I had no idea that I was about to become an ‘expatriate’. In addition to this fact I had no idea that offshore banking as a concept was something that I could not only suddenly benefit from, but it was something I’d be mad not to take advantage of.

Is Mortgage Life Insurance Really Necessary?
Chris Clare

Mortgage life insurance can help insure your family's financial situation by paying off the remaining balance of mortgage should you die before the end of your policy’s term. Should you have a repayment mortgage then the level of coverage you have will decrease in line with the level of the debt, so you are only paying for the appropriate level of cover from your life insurance that your current situation requires.

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Offshore Banking for Expatriates
Shelter Offshore

Expatriates are privileged when it comes to their banking and investing choices because in general they are free to pick and choose from the best options and opportunities available to them from the global financial product market place.

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International Currency
Fluctuations
Nathan Barcic

Even if your heart is settled on a dream property overseas, currency fluctuations can cost you more than you think. Don’t let it happen.

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The Need To Review Your Life Insurance

Chris Clare

So if you think that the life insurance policy you took out a few years ago is doing its job fine, you would be wrong. In this article we will aim to show you how reviewing the performance of your life insurance can be the difference between using your money wisely and metaphorically throwing it away.

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Questions and Answers

University Fees -
Planning for the future – Q&A
Jennifer Patterson

I have been approached by an insurance company about Child School Fee Coverage. I am living in India at the moment with my two children (11 and 12 years of age). I know I want them to go to the university in the USA (where I am from) and I know schools are expensive. I do not know really understand this insurance plan and if it is something I should be doing or should I just be saving money in a regular bank account?

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Death While On Assignment
Jennifer Patterson

I have a question about bank accounts in foreign countries. I am an American married to French man. Just recently we were transferred to Brazil for his work and our bank accounts here are only in his name. What would happen to me if my husband was killed while on assignment? Would I have access to our money?

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Financial Freedom—Q&A
Jennifer Patterson

My husband and I moved overseas for the first time about a year ago. I agreed to put my career on hold temporarily so that we could take advantage of this opportunity. Although our total income has increased, we don’t feel like our financial life has improved. Now he has decided to give me a certain amount of money each month. I haven’t had an “allowance” since I was a child!

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Living Wills – Q&A
Jennifer Patterson

Recently a family member back home took ill and it caused my husband and I to wonder about a document that we understand was recommended to our family member: the Living Will. We each have drafted our Last Will and Testament which covers our worldwide assets. Isn’t this the same thing?

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Money Matters
Jennifer Patterson

Links

Citigroup
http://www.citigroup.com
International financial conglomerate with operations in consumer, corporate, and investment banking.

Cross Border Planning
http://www.crossborderplanning.com
This is a worldwide network of fee-only, comprehensive cross border financial planners.

Ernst and Young
http://www.ey.com
Ernst & Young advises some of the world’s largest international banks on all aspects of bank taxation, including securities taxation, withholding taxes, structured finance, leasing and securitisations. Our services range from assisting in-house tax functions in a pure advisory role to providing a complete tax assurance service for the UK operations of overseas banks.

Exchange4free
http://exchange4free.co.uk
We provide our clients with the cheapest way to send money worldwide by offering the very best exchange rates and lowest costs available in the market. Exchange4free offers a secure online way of transferring your funds to and from most destinations around the world. Our online system offers clients the ability to book live FX prices 24 hours a day using a system that is simple and easy to use.

Expatriate Life Insurance
http://www.life-ins.co.uk/expat-insurance-cover.html
Invest & Protect Ltd, through it’s online service called Life-ins.co.uk, offers specialist online services for Expatriates, including Life Insurance for any foreign national living overseas. Contact us today.

Global Tax Network
http://www.globaltaxnetwork.com
U.S. and non U.S. tax services for expatriates and their employers.

HSBC Offshore
http://www.hsbc.com/1/2/
Their international network comprises around 9,500 offices in 85 countries and territories across the world.

HSBC Services for Non-Resident Indians
http://www.hsbc.co.in/1/2/personal/nri-services
HSBC India offers NRI services including non-resident bank accounts, term deposits, and an online service to transfer money to India which is free if there is no currency conversion.

International Finance Corporation
http://www.ifc.org
IFC - International Finance Corporation, IFC - International Finance Corporation ... Technical Assistance & Advisory Services · IFC Finance/Treasury ...

International Tax Planning
http://www.shelteroffshore.com
They can assist the high net worth expatriate or international professional with taxation assistance as well as helping them to understand and gain access.

Live and Invest Overseas
http://www.liveandinvestoverseas.com
After more than 22 years as Editor and Publisher of International Living, Kathleen Peddicord is now Publisher of Live and Invest Overseas.com and Editor of the group’s free weekly e-letter, the Overseas Opportunity Letter, detailing the best opportunities worldwide right now for living, retiring, investing, owning real estate, and doing business.

Ogle and Company
http://www.oglecpas.com
We are a corporate tax-advising firm that assists clients around the globe. Our tax services include global tax minimization, export tax incentives, transfer pricing, mergers and acquisitions, and domestic tax planning.

Clements International: Expat Insurance Specialists

Exchange4free: International Money Transfers


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