International Living and Travel Advisor

Featured Country: Baltic States

2010-04-22T14:55:00.002-07:00

The three small countries Estonia, Latvia and Lithuania, along the Baltic Sea in north-central Europe, are together referred to as the Baltic States. The three countries also share a common history. Annexed by the USSR in 1940, they regained their independence in 1991 and joined the European Union on May 1, 2004. Today, Estonia, Latvia and Lithuania are in many ways modern industrial societies. They are a market of 7 millions inhabitants and have a joint GDP of 97 billion dollars. The Baltic countries’ trade relations are very much oriented towards Scandinavian countries. Referring to these countries as a single entity is not really true from a cultural point of view. ! Estonia, Latvia and Lithuania are three different countries, each with a different language and a strong national identity.

There are many good online resources that will help you do business in the Baltics. Get business news from Latvia, Lithuania and Estonia on Baltictimes.com. Find government procurement opportunities in the three countries on Tedea.eu. For more information about each country, visit the useful resources Database of the Baltic Sea Information Center. And don't forget the website of the U.S. Commercial Service in Baltic States. The site gives extensive information about the markets through News and Guides, and programs a lot of conferences, trade missions and trainings.

If that's not enough, you'll also find plenty of good research at the FITA Mini Portals of Latvia , Estonia and Lithuania, features of the FITA Web site. The FITA Mini Portal of each country has an overview of the country, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor mark! et indicators, and tips on doing business in Baltic States.

Our Global Citizen and Travel Gap international health insurance customers who travel to Estonia can find English speaking doctors in Tallin at Sinu Arst Medical Center. In Lativia they can contact Livija Caune, MD who is located in the capital city of Riga and in Lithuania they are free to stop by the Baltic-American Medical & Surgical Clinic where medical expenses are direct billed. For more informationa and an international health insurance quote, contact Insurance Services of America at 800.647.4589 or 480.821.9052.

American Expats – Time to Pay Up: Tax Man Cometh for Americans Living Abroad

2010-04-19T14:19:00.001-07:00

Americans living abroad can expect to feel the scrutiny of the IRS more than they have in the past. As this article from PRweb via Yahoo News points out, the deadline for expats is June 15th.
This quote from Greenback Tax Services provides the reasoning for this additional focus on expats:

“There is a hole of about USD 400 billion in the current US budget,””said David McKeegan, founder of Greenback Tax Services. “The Obama administration thinks that offshore tax abuse costs the US Treasury as much as USD 100 billion each year, and the President has authorized an additional USD 128 million for the 2010 IRS budget. Part of this money will be spent on 800 new IRS agents to try to track down who is filing and paying their taxes from abroad and who is not.”

Read More...

Featured Country: Argentina

2010-04-14T13:31:00.002-07:00

Argentina is located in the extreme southern part of the South American continent. Its territory ranges from fertile plains around Buenos Aires to the Antarctic (although there is some dispute about the country’s Antarctica claims). The diversity of the landscape attracts tourism and the difference of climate types favors agricultural diversification.

Traditionally exports from the country have been mostly agricultural (wheat, soybean, wine, livestock, etc.). Even industrial exports and industries are mostly agriculture-related: Food processing, food conditioning and leather tanning industries are among the most developed. Nevertheless, new high-tech industries and services are slowly emerging and there are opportunities for overseas investors in high tech R&D. For more information, visit ProsperAr, Invest in Argentina’s website.

Because of consumption patterns, entering the Argentinean market can be difficult. Consumers prefer domestic to imported products and try to have their home appliances or machinery repaired rather than replaced. But with a total population of more than 41 million inhabitants, Argentina is one of the biggest markets in Latin America. The Mercosur region countries Brazil, Uruguay and Paraguay as well as Mercosur associate members Bolivia, Chile, Colombia, Ecuador, Peru and Venezuela are Argentina’s main trade partners.

The Argentine Foreign Ministry maintains Argentina Trade Net, which offers a directory of exporters and a schedule of trade shows. And the executive government offices maintain a list of directories (Spanish only) of banks and other enterprises useful in international trade.

The website Fundacion Investir is a guide to investing in Argentina. It offers economic data and other useful information that will guide your transactions in the country. And don't forget also the website of the U.S. Commercial Service in Argentina. The site gives extensive information about the markets through news and guides, and programs many conferences, trade missions and training events.

If that's not enough, you'll also find plenty of good research at the FITA Mini Portal for Argentina, a feature of the FITA Web site. The FITA Mini Portal has an overview of the country, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators, and tips on doing business in Argentina.

The public health system in Argentina provides emergency and non-emergency services free of charge to all, regardless of nationality or immigration status.

However, the quality of non-emergency care in public hospitals is generally below U.S. standards. Medical care in private hospitals in Buenos Aires is generally good, but varies in quality outside the capital. We highly recommend having a private international health insurance plan to ensure you receive proper care by private doctors. Purchase the Global Citizen international health insurance policy from Insurance Services of America and you will have access to English speaking physicians and hospitals who direct bill medical expenses which reduces paying out of pocket and manually submitting claims.

Many Americans come to Argentina for elective surgery procedures advertised through the Internet. Prospective patients should carefully review each surgeon's credentials and ensure that the procedures will be conducted in a hospital or clinic that provides emergency care. Medical experts also advise patients to provide their surgeons a complete health history before traveling and to allow adequate time in Argentina for follow-up care.

HIV/AIDS Restrictions: The U.S. Department of State is unaware of any HIV/AIDS entry restrictions for visitors to or foreign residents of Argentina

Buenos Aires is the largest city and capital of Argentina as well as the second largest metropolitan area in South America. The city is the most European in the region, and is often referred to as the Paris of South America. With more than three million people, Buenos Aires was originally divided into 48 barrios (neighborhoods); however, these were combined in the 1940s to make 15 communes. While the capital city poses a number of high threats, foreign nationals face a critical risk of vehicle accidents in the city. Foreign nationals are advised to take proper precautions and be aware that drivers commonly speed and rarely follow traffic laws.

There is a high risk of non-violent crime in Buenos Aires. Theft is frequently reported in mass transit systems, department stores, airports, hotel lobbies, and other highly visited areas. Pick-pocketing and purse-snatching are among the most commonly reported crimes with nearly 400 robberies reported daily. Thieves even managed to steal the purse of one of the daughters of then-U.S. President George Bush at a San Telmo restaurant in November 2006, despite the presence of Secret Service agents. More recently, two British nationals were mugged by four assailants along a man street during the afternoon in October 2007. Criminals will often work in teams, wherein one member squirts mustard or another substance on a victim while the accomplice helps to wipe it off the victim, allowing for the other to steal their wallet, pocketbook, or other valuables. The scam is very common during daylight hours along popular shopping streets such as the Avenida Nueve de Julio.

Transportation-related crimes are frequently reported in the city. There is a high risk of vehicle theft, with a 12.3% rise in automobile thefts reported in Greater Buenos Aires during the first four months of 2009. Additionally, there is a high risk of carjacking; victims are usually targeted when their car is stopped but still running, often at traffic lights or in parking lots. Public transportation also poses several security concerns. Foreign nationals should be wary when using taxis in the city as a number of drivers have been responsible for crimes targeting foreign nationals. In October 2008, authorities detained a taxi driver accused of sexually assaulting and robbing a British tourist of US$309 in the city's Palermo neighborhood; the taxi driver was allegedly behind similar attacks on 10 others, including a U.S. national. Other taxi drivers have been implicated in kidnapping attempts. Travelers should always take licensed taxis and avoid signaling a taxi from the street to deter criminal attacks.

Violent crime continues to escalate in Buenos Aires, where robberies often turn violent. A majority of criminals are armed and willing to use violence if victims resist. In July 2009, a professional soccer player was robbed by two men while driving through a western area of the capital. The victim and several family members were held up for three hours by the gunmen who stole money and other valuables. In September 2008, a British national was shot five times and killed in the city's Moron suburb during a botched robbery attempt. Authorities say gunmen approached the victim on a moped and grabbed his backpack before opening fire.

Residential and commercial burglaries occur daily and are an increasing threat. In Buenos Aires, nearly double the number of crimes occur in wealthy neighborhoods than poorer neighborhoods. In November 2008, a businessman was injured when four armed burglars broke into his home in the city's Ezeiza suburb and stole US$64,280; the victim was shot in the leg after resisting the crime. Alarms, grills, locks, or other safety features in homes have been found to be insufficient in deterring burglars. Those residing in Buenos Aires, especially in hotels and apartments, should have a carefully screened guard service or residential security system in place for protection.

Kidnapping remains a high threat in Buenos Aires. There were 34 kidnapping-for-ransoms reported in Buenos Aires in November 2008 alone, the majority of which were reportedly express kidnappings. In July 2009, two French businessmen were rescued by police following a short gunfight with kidnappers in the villa Carlos Gardel suburb. The victims were snatched one day earlier by armed men as they were driving with a bodyguard, who reported the abduction to police. Police have been found to be complicit in or responsible for a number of high-profile kidnappings. Authorities detained several police officers responsible for the abduction of a Buenos Aires businessman in December 2008; the victim was eventually released in January 2009 for a US$230,000 ransom.

Protests are frequently held in Buenos Aires and can cause severe transportation delays. Rallies and demonstrations are often sparked by international developments or poor economic conditions. Since January 2009, there have been several anti-Israeli protests reported in Buenos Aires in response to Israel's incursion on Gaza. In May 2009, an anti-Israeli group attacked a pro-Israeli rally outside the Israeli Embassy in Buenos Aires. Anti-Israeli youth carried signs condemning the Gaza raid and violently attacked attendees with sticks, leaving several injured. The city was rocked by months-long protests in 2008 in which farmers blockaded roadways and launched strikes. Between February and July 2008, there was at least one protest reported in the city each week along with major food shortages.

Minor bombings occasionally hit the city, but are typically designed to make a statement rather than cause any significant damages and, usually occur in the middle of the night, when buildings are unoccupied. In August 2009, a homemade explosive detonated outside the Buenos Aires offices of a Chilean airline, damaging the building and nearby vehicles but causing no injuries. Other attacks have targeted U.S. and German car dealerships and train stations.

Buenos Aires is currently policed by the Argentine Federal Police; however, a Metropolitan Police Force is being formed for the capital city. Government authorities responsible for the new police force have emphasized a need for transparency in order to deter corruption that is widespread among federal police. In Buenos Aires, federal authorities have been linked to a number of crimes including kidnapping, extortion, and robbery. While not all police are able to speak English, authorities have set up a 24-hour police hotline in English that can be reached at 101. Response times in the city vary significantly due to traffic and police complacency. Ambulance and fire response times are also inconsistent although medical care in the capital generally meets Western standards.

Most Dangerous Areas
Travelers should be extremely cautious in the popular Corrientes district of the capital city, which contains many shops and cafes, and along Florida Street and Lavalle street, due to a high rate of pick-pocketing. Caution should also be exercised in the Caminito district of Boca, a suburb of Buenos Aires. The majority of the city's tourist attractions are located around the Plaza de Mayo, where many pickpockets congregate. High risk areas for street crime include the suburb of Boca, San Telmo, and Recoleta. Pickpockets and purse-snatchers are also often found in the Buenos Aires marketplaces, such as the Mercado de San Telmo. Travelers should avoid the Plaza San Martin at night, along with Constitucion and the Retiro train station.

American Living Abroad Can Register To Vote Online

2010-04-08T10:34:00.003-07:00

Americans that live abroad are also being encouraged to register to vote for the upcoming elections.

VoteFromAbroad.org is managed by Democrats Abroad, while Republicans Abroad offer the opportunity to register at Republicans Abroad Voting League. Registering at either obviously does not require you to vote for a specific party.

Quote of the Day

2010-04-08T09:46:00.001-07:00

"When you get to the end of your rope, tie a knot and hang on." - Franklin D. Roosevelt

Are You Thinking About Teaching in Saudi Arabia? Read this first

2010-04-01T11:14:00.002-07:00

A recent article in MENAFM (Arab News) report many western teachers are complaining of breach in their teaching contracts. The article reports many are being overworked, being misled and inadequate medical care by the hosting management company. Read more...

Before you consider moving overseas to teach, consider the following:

1. Review your contract and read the fine print. We recommend speaking with teachers already working for the company or school.

2. Find out what their policy is regarding family members. Will your children or spouse be able to relocate? What are the Visa requirements?

3. Obtain your own Visa. Don't be dependent on the company or school to obtain your work and residence Visa.

4. Obtain your own medical insurance. Don't be dependent on the school or socialized medical system unless your completely comfortable with the accessibility and quality of care. Get a quote for private international health insurance here.

5. Know how to end your contract. Go back to step 1 and make sure you review your contract before you sign. Understand your committments and any possible fines if you decide you need to end your contract.

Egypt

2010-03-23T15:37:00.003-07:00

Situated at the extreme north-eastern corner of the African continent, Egypt is an entry point to the Middle East and Africa. Because it owns the Suez Canal, Egypt administers all access between the Mediterranean Sea and the Indian Ocean, and thus most sea traffic between Europe and the Middle East, East Africa and Asia. 95% of Egypt's population is concentrated in the Nile river valley and delta, as most of the rest of the country is desert.

In 2008, imports of manufactured goods, machinery and transport equipment increased and accounted for around 45% of total imports. Mineral fuels, lubricants and related materials accounted for 44% of Egypt's exports in 2008. Top partners for exports in 2008 were Italy, India and the Netherlands. The “cradle of civilization” for centuries, Egypt has a large number of historic monuments and offers many sightseeing attractions. Tourism is therefore an important source of revenue for the country.

Egypt’s weak infrastructure can be an obstacle to trade. But the market has the advantage of being large (76 million inhabitants), homogeneous (more than 99% of the population is of Egyptian origin) and fast-growing. Egypt has high demand for new products and equipment, especially in information technology. But because of the weak purchasing power of the population, only the elite can afford higher-range consumer products.

To learn about doing business with Egypt, visit the Egyptian International Trade Point. The website provides directories, statistics, an online marketplace, a schedule of trade fairs and more. And don't forget the website of the U.S. Commercial Service in Egypt. The site gives extensive information about the markets through news and guides, and programs a lot of conferences, trade missions and training. You’ll also find plenty of good research at the Egypt Mini Portal, a feature of the FITA Web site. The Egypt Mini Portal has an overview of the country, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators and tips on doing business in Egypt.

Shipping or Moving Your Belongings Overseas?

2010-03-18T14:13:00.002-07:00

Here is a check list from Escape From America Magazine to help you ensure you find the right shipping company to transport your belongings overseas:

•What insurance do they offer? What is and what is not covered? Ask to see their insurance copy documents.

•Ask about the company’s history, how long have they been in business and how many international moves have they orchestrated?

•Get in writing the logistics of the move. What time will the truck arrive? What is the estimated time to finish loading up?

•Do they have any references, are you able to contact past clients?

•Are they a member of any of the trade associations?

•If your goods are not shipped immediately, then where will they be stored? Does it have 24hr security?

•Ask your moving company about Custom forms. Will they handle this for you and fill out all forms? Are they qualified to do so?

•Ask what restrictions the country you plan to move to has. Do your own research on this and make sure that it correlates with the information that they tell you.

•Is the quote inclusive of all charges, for example destination port charges and destination customs and quarantine clearances? This is where a low quote from one company may not be such a great deal, if these charges are not included in their fee.

International Medical

2010-03-12T13:56:00.002-07:00

Rarely do we give a thought of having adequate medical insurance coverage until we actually need it, and then it is often too late. Don't make the mistake of waiting, particularly when moving to a new country! One of the most important criteria when relocating to a new country is the accessibility and quality of medical care. Each person has individual health maintenance needs, but we recommend reducing the financial risk as a result of a terminal illness or accident which requires ongoing medical care.

Until you are comfortable utilizing the national or social health care system, buy a short-term international major medical policy. It is inexpensive and you can pay for it on a month to month basis. After you have relocated find a local doctor or primary physician you are comfortable with and review your medical needs. Many expatriates find adequate local medical care but still prefer an international health insurance policy which gives them the choice to choose any doctor they wish, including private hospitals and medical practitioners, as well as the option of returning to the US for medical treatment. Feel free to call us with your needs. We can also tell you if there are English speaking doctors at your destination along with their credentials. You can reach us toll free at 800.647.4589 with the US or Canada or 001.480.821.9052 worldwide. Feel free to email us at health@globalcitizeninsurance.com.

CANADA

2010-03-04T11:23:00.003-07:00

Canada is our featured country. Not only did Vancouver host the 2010 Winter Olympics, but their Canadian Hockey team won the Gold Medal

Canada is the largest trade partner of the US, accounting for 20% of US exports (first place) and 16% of its imports (second place just after China).

Canada is an advanced economy. The country is a leader in biotechnology, chemistry, digital media and medical devices. Canada is also one of the largest exporters of agricultural products, plastics and automotive in the world. Visit Industry Canada to get more information about Canadian industry.

The country has a market of 33 million. Canadians are mature consumers: they benefit from a standard of living that is one of the highest in the world and they are aware of the problems of the environment and over-consumption. Natural and environment-friendly products are preferred.

To build your business with Canada, take a look at Canada Business, where you will find a lot of practical information such as “Starting a Business,” Import/export, Selling to the government, etc. And don't forget the website of the U.S. Commercial Service in Canada. The site gives extensive information about the market with news and guides, and it lists many conferences, trade missions and training sessions.

If that's not enough, you'll also find plenty of good research at the Canada Mini Portal, a feature of the FITA Web site. The Canadian Mini Portal has an overview of Canada, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators, and tips on doing business in Canada.

You can find Visa and Immigration information at Taking Up Residence which advises:

Citizenship & Immigration Canada (CIC) is the agency which oversees all applications for temporary and permanent residency. They work in conjunction with the Canadian consular agencies and embassies located worldwide (270 locations in 180 countries) where the process for immigrating to Canada begins.

Your country of origin will determine if you will need a visa. A list of countries requiring a visa is available on the CIC website. Even if you do not need a visa and intend to immigrate to Canada on either a temporary or permanent basis, you will need to start by visiting a Canadian consular agency or embassy in your home country. Keep in mind that permanent residency applications can only be submitted from your country of residence or nationality, or where you have lived legally for at least one year.

Permanent residency application processing times vary by circumstance and location. They can take from as little as five months up to 70 months. The CIC website provides a country-by-country average that can provide you with a better idea as to how long it may likely take to process your application.

The process and what types of documentation needed for filing permanent residency will depend upon which type of application you file: skilled worker, business, or family. The procedures, steps, and fees for each of these are clearly outlined on the CIC website. In some situations, you may be able to initiate the process online. Another useful website which can answer many questions regarding the Canadian immigration process is Going to Canada.

Medical care is socialized and the Medicare system is adminstered by each province. I've heard mixed reviews of the quality of care including long waiting periods. Individuals can supplement their national health care benefits which can help reduce waiting periods for critical medical care as well as giving you the option to choose your own doctor. Our Global Citizen International Health Insurance plan covers US Citizens in Canada and gives you the freedom to choose a private physician or medical hospital or return to the US to receive quality medical care. Call us at 800.647.4589 for a free quote.

Most Dangerous Countries

2010-02-24T08:44:00.002-07:00

According to Forbes Magazine, below is the list of the 15 most dangerous countries.
15. Zimbabwe
14. Columbia
13. Haiti
12. The Sahel (border of Algeria, Nigeria Mali & Mauritania)
11. Chad
10. Nigeria
9. Russian Caucasus (Chechnya, North Ossetia, Daghestan
8. Guinea
7. Democratic Republic of Congo
6. Yemen
5. Sudan
4. Pakistan
3. Somalia
2. Iraq
1. Afghanistan

The list was determined from information from IJest, Control Risk and the US State Department. Read the article at Forbes.com.

If you are traveling to these regions for business or as a consultant, then we recommend reviewing your current health, life and disability insurance. Most traditional health health insurance policies do not not cover illness or accidents due to war and terrorism and most life insurance policies do not cover loss, death or dismemberment from acts or war and terrorism.

ISA Global Benefits specializes in providing high limit health, life and disability insurance for individuals traveling, residing or working in high risk areas. For more information regarding their individual and group benefit insurance products, please visit their website www.overseashealth.com/iraq.

Best and Worst Health Care - Comments from Expatriates

2010-02-11T10:44:00.003-07:00

I was reading a recent LinkedIn post with comments from expatriates and consultants who have received medical care abroad. A few responses that stood out were:

Japan: The worst I ever experienced. Doctors there consider themselves as gods
so they don't talk to you even if they speak English. Surgery practices are
dangerous, I spent 4 weeks in an hospital for a badly broken leg and I almost
died of pulmonary embolism because of no prophylaxis to prevent coagulation and
old medications used

...I am far from impressed by the UK national health service (NHS).
If you go private, you're ok

Having lived in the UK for more than 6 years, I have (luckily) rarely
experienced the NHS first-hand. The worst that happened to me was to be given
painkillers to cure a throat infection. However several of my friends have had
very bad experiences, having to wait days to see a doctor, being given treatment
that made them worse and in the last resort having to "flee" across the Channel
to France in order to get a decent treatment!

I love the Netherlands, but the health system actually made me move.

Albania is pretty bad. If the Albanians can afford to they get medical attention
outside the country.

...middle eastern physicians never heard of privacy

Many US Citizens are accustomed to the medical attention we have access to in the USA and one of the many benefits our our Global Citizen and Travel Gap policies is you have access via the web, smartphone or telephone to a carefully selected international network of physicians and medical centers. You can review their credentials, get directions and they all speak English; however, you can also choose a doctor of your choice. Get a quote today at http://www.globalcitizeninsurance.com/plans.htm.

Quote of the Day

2010-02-02T20:21:00.002-07:00

"We make a living by what we get. We make a life by what we give." - Sir Winston Churchill

Are you volunteering abroad? Do you plan on joining a relief team? If so, then purchase our Travel Gap travel medical insurance for short-term mission trips. Get an Instant Travel Medical Quote.

After the recent earthquake in Haiti a client of ours had to be medically evacuated. View the news realease here. For a few dollars per day, you can limit the financial risk of an unforeseen illness or accident. In addition to the excelletn medical benefits, the Travel Gap features emergency medical evacuation and 24 hour worldwide assistance.

Do you trust your domestic insurance policy can provide adequate international assistance? Can they arrange emergency medical evacuation or dispatach a trusted doctor if you need immediate medical care? If you do not, then check our Travel Gap travel medical insurance and have peace of mind on your next international trip.

Featured Country: Germany

2010-01-27T15:49:00.004-07:00

Like all European economies, Germany did not escape the international economic crisis. Its economy contracted 5.3% (according to IMF estimates) in 2009, one of the most serious recessions in Europe. The German government rescue plan to bolster the banking system (around 500 billion euro) has restored confidence. A small positive economic growth rate of 0.3% is expected for 2010.

With its 82 millions inhabitants, Germany is the biggest market in the European Community. The country has a long history of industrial development and offers opportunities for potential subcontractors in the automotive industries, machinery and equipment, chemistry, information technologies, etc.

The German American Chambers of Commerce, based in New York with branches in Atlanta, Chicago, Houston, Philadelphia ! and San Francisco offer a broad range of services to their member companies and their websites offer good resources for doing business with Germany. For further details also visit their joint web portal.

Germany is also the location of many of the largest trade shows in the world. The largest of all is the Hannover Messe, this year to be held April 19-23 in Hannover. In 2010 the spotlight of the Messe will be industrial automation, energy, technology, industrial subcontracting and cutting-edge technologies. U.S. companies should consider exhibiting at the fair in the U.S. Commercial Service’s American Business Center, co-sponsored by FEDEX and Hannover Fairs USA.

To find business partners and sources for German goods take a look at the Federal German Ministry of Economics and Technology’s eTrade Center, a database of most German companies that are looking for trade opportunities. For Visa, Education and Business Travel, look at the Website of the German Missions in the United States. And for other general purpose and more useful links, visit Deutschland.de , the German Information Portal. If you are needing international health and life insurance, then visit http://www.globalcitizeninsurance.com/ or http://www.worldwidemedical.com./ don't forget also the website of the U.S. Commercial Service in Germany. The site gives extensive information about the markets and business culture there.

If that's not enough, you'll also find plenty of good research at the German Mini Portal, a feature of the FITA Web site. The German Mini Portal has an overview of Germany, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators and tips on doing business in Germany.

180 Day Search Begins For Best Place To Live And Retire

2010-01-19T11:42:00.000-07:00

Beginning January 17, 2010, world traveler, and published author Michael Manville will embark on an eye-popping 180 day “amazing race”… Read more and follow the journey at http://www.retireworldwide.com/554/180-day-search-begins-for-best-place-to-live-and-retire.htm

Kuwait

2010-01-12T14:53:00.002-07:00

Kuwait is a small country of 2.7 millions inhabitants on the northeast of the Arabian Peninsula on the northwestern coast of the Persian/Arabian Gulf. Kuwait City is its capital city.

Kuwait is a resource-rich nation that has lagged behind other countries in the Middle East in attracting foreign direct investment. Since Saddam Hussein invaded nearly two decades ago the aftermaths of the war still affect every Kuwaiti family and the war’s consequences still limit economic expansion. On the other hand, Kuwait has many ingredients necessary to expand rapidly: a strategic location, a strong regulatory system, abundant oil reserves, and, perhaps most important of all, a new generation of entrepreneurs, as reported in the January 2009 edition of the US-Arab Tradeline (published by the National US-Arab Chamber of Commerce).

Kuwaitis are beginning to invest at home in infrastructure development, tourism, banking and finance, information and communications technology, and commercial activity of all kinds. This will help to diversify the economy and to create new import needs. In Kuwait, the import penetration rate is already the highest in the world: 90% of the goods that are consumed are imported. To follow the latest developments in the country, visit the Kuwait News Agency. You will find a summary of business laws and regulations on Kuwaitiah.net. And if you need the texts of those laws and regulations, you can find them on the website of the Public Authority for Industry.

Also don't forget the website of the U.S. Commercial Service in Kuwait. The site gives extensive information about the markets and business culture there.

If that's not enough, you'll also find plenty of good research at the Kuwait Mini Portal, a feature of the FITA Web site. The Kuwait Mini Portal has an overview of Kuwait, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators, and tips on doing business in Kuwait.

From http://www.fita.com/

US Embassy in Uganda Issues Warning

2010-01-08T15:03:00.003-07:00

U.S. Embassy Kampala issued the following Warden Message on January 8:

American citizens living in Uganda should be aware of the following excerpt from a January 8 Warden Message passed to American citizens in Sudan by the U.S. Embassy in Khartoum with regard to potential threats to civil aviation involving flights between Juba, southern Sudan and Uganda: "This Warden Message alerts American citizens in Sudan to a potential threat against commercial aviation transiting between Juba, Sudan and Kampala, Uganda. The U.S. Embassy has received information indicating a desire by regional extremists to conduct a deadly attack on board Air Uganda aircraft on this route. While the capacity of these extremists to carry out such an attack is unknown, the threat is of sufficient seriousness that all American air travelers should be made aware. Air travelers on any airline and route should maintain vigilance at all times, and should report any suspicious behavior to the proper authorities."

newtondailynews.com | Tragedy exposes hard truth about high-seas health coverage

2010-01-06T14:36:00.000-07:00

newtondailynews.com Tragedy exposes hard truth about high-seas health coverage

Are Foreign Nationals Eligible For Australian Medicare

2010-01-06T12:27:00.003-07:00

Temporary visa holders are not eligible for Austalia's national Medicare system. If you intend to permanently reside in Austalia and meet the necessary residence requirements, then you may be eligible. We advise contacting the Medicare office. You can visit them online at http://www.medicareaustralia.gov.au/.

You do have the option of purchasing private health insurance. Click Here for a free quote.

Featured Country: NORWAY

2009-12-02T16:22:00.002-07:00

Norway is on the northern edge of the European continent and the eastern edge of the Scandinavian Peninsula. More than 50% of its border is the maritime coast of the Barents, Norwegian and North Seas.

Norway is not a member of the European Union. Together with Iceland, Liechtenstein and Switzerland, it is part of the European Free Trade Association. But because Norway is also a member of the European Economic Area, economic rules are the same as the European Union for several industry sectors.

Norway is a small country of only 4.8 million inhabitants. Nevertheless, the country is the third largest oil exporter in the world and the second largest seafood exporter. 60% of the country’s trade is with other European countries. Services such as maritime freight, finance and services to enterprises make up 50% of Norway’s GDP.

To evaluate business opportunities with Norway visit Nortrade, the official Norwegian trade portal. The website provides Norwegian business news, industrial studies and directories of Norwegian companies indexed by industry sector.

To learn more about the country, visit Norway.org, the official site in the United States, or the website of FITA member association Norwegian-American Chamber of Commerce. And don't forget also the website of the U.S. Commercial Service in Norway. The site offers extensive information about the markets and business culture there.

Medical facilities are widely available and of high quality, but may be limited outside the larger urban areas. The remote and sparse populations in northern Norway and the dependency on ferries to cross fjords of western Norway may affect transportation and ready access to medical facilities. Click Here for an International Health Insurance Quote.

According to Corporate Risk International, while Norway enjoys an extremely low crime rate, criminal activity has increased over the past few years. The rise in crime rates is attributed to the increased use of narcotics and activity of criminal youth gangs. Instances of pick-pocketing and purse-snatching are common in major tourist areas, train and transit stations, hotel lobbies, and high transit areas. Thieves, many from Eastern Europe, have been known to break into homes both during broad daylight and at night, while the occupants are asleep. Residential burglaries and petty thefts are the most prevalent crimes, with the former witnessing a 37% increase in 2008.

In July 2008, at least 16 tour buses, nearly half from Spain, were vandalized at various locations in Oslo, causing some tour operators to consider halting trips to the city. In one instance, a bus carrying Spanish tourists was set on fire near the new Opera House on the waterfront just two days after its windshield was smashed. Two other buses parked in the Vika district had their windows smashed and a number of valuables, including DVDs and a GPS device, were stolen.

The overall threat of violent and weapons-related crime is low in the city; however, such incidents are increasingly reported, particularly in areas known to have drug and gang activity, including certain areas of eastern Oslo. As incidents of rape and sexual assaults are on the rise, female foreign nationals are urged to remain alert, particularly when walking alone or at night.

Although there is a low risk of terrorism in Oslo, foreign terrorist organizations have been known to operate in the city. According to Norwegian security officials, the terrorist threat in Oslo has risen and Norway may serve as a potential recruiting ground and source of financing for terror groups operating abroad. In addition, several radical Islamist clerics are based in the city and could potentially incite acts of extremism. In February 2008, Oslo police arrested three individuals on suspicion of financing terror groups.

While the threat of kidnapping in Oslo is low, it should not be discounted. Though organized crime exists in Norway, their activities are largely underground and rarely affect foreign nationals.

The overall threat of civil unrest is low; however, there were a number of uncharacteristically violent protests in Oslo in late December 2008 and early January 2009 against the Israeli invasion of Gaza. Several of these demonstrations, which were held largely by groups of immigrant Muslim youths near the Israeli Embassy and in the central parts of downtown Oslo, saw tear gas deployed to subdue violent protestors. On two occasions, demonstrations turned into riots, resulting in attacks on police with fireworks and the smashing of police vehicles. Additionally, at least five fast food restaurants were damaged by rioters, who had apparently received SMS text messages indicating that these restaurants were financially supporting Israel.

In July 2009, about 100 ethnic Uighurs waving their national flag gathered outside China's Embassy in Oslo, demanding that China end violence and ethnic discrimination in Xinjiang. Two people were injured in the protest, including one who attempted to scale the embassy fence, and 11 demonstrators were detained.

Protests against specific U.S. Government positions have been staged at the American Embassy and in the central areas of Oslo. Such demonstrations have remained largely peaceful and have not targeted U.S. citizens.

Oslo police are professional and cooperative, with excellent equipment and an efficient response time. Law enforcement personnel in Norway are well trained and largely fluent in English. Foreigners should note that police will not usually come to the scene of routine incidents such as minor traffic accidents.

Most Dangerous Areas
Crime typically occurs around the main tourist center, including Karl Johans gate and park-piazza area, the Stortinget, the Basarhallene, the Domkirke, the Nationaltheatret, the Royal Palace, the train station Oslo Sentralstasjon (Oslo S), and the bus terminal Bussterminalen. The area around the city's plethora of museums is also home to pickpockets, which includes the areas in and around the Munch Museum, the Viking Ships Museum, the Kontiki Museum, the Fram Museum, the Norwegian Maritime Museum, and the Norwegian Folk Museum. As in all foreign cities, foreign nationals are urged to limit travel after dark and to travel in groups whenever possible.

Where Not to Move

2009-12-01T09:32:00.003-07:00

Britain has been voted one of the worst places in the world for expats to live with immigrants bemoaning the high cost of living and tedious daily commute. Read More...

HSBC Bank International commissioned the study of 3,000 expats from 50 countries and reported almost half (49 per cent) of people interviewed said the quality of food in the UK was worse than at home; however, 58% stated the standard of entertainment was better than back home.

Canada was rated as the best place to start afresh, followed by Australia and Thailand.

According to the U.K. Telegraph Newspaper, more than nine out of 10 NHS trusts in England are failing to provide a good standard of cancer care compared with other countries, official figures show.

Katherine Murphy, director of the Patients Association, said “We also know there are still big problems with access to treatments that are 'first line’ in other parts of the world." and “It’s deeply distressing for patients when they hear about treatments that could help them but aren’t available.”

This is one of the reasons why we recommend private expatriate health insurance. Choosing where and when you can see a doctor can provide you the necessary medical care when you need it.

Expat Health Blog

2009-11-24T09:34:00.002-07:00

Check out this blog about an expatriates experiences with health care abroad as well as preventative medical care tips.

http://rxpat.blogspot.com/

CDC Promotes Healthy Travel for Students Studying Abroad

2009-11-23T09:54:00.002-07:00

CDC is promoting healthy travel for students studying abroad. Whether you are already abroad or plan to go soon, take some time to consider how seasonal and 2009 H1N1 flu might affect your trip.

Why should I be concerned about flu during my study abroad program?

Regardless of whether they are in the United States or in another country, campus environments of most colleges or universities bring many people together in the same place. Students, faculty, and staff of any college or university can get sick with flu and easily spread it to others on campus, as well as in the larger community.
Age can also be a factor. So far, the largest number of 2009 H1N1 flu cases have been confirmed among people younger than 25 years old. This age group is also at risk of getting seasonal flu.

Here is the good news: seasonal flu and 2009 H1N1 flu are not reasons to cancel your study-abroad plans! The CDC has come up with some simple steps you can follow to help make sure you stay healthy and get the most from your study-abroad experience!
Before you go, remember to:

See a doctor.
Get your flu vaccine.

Vaccines are the most important tool we have for preventing the flu. You can lower your chances of getting seasonal flu by getting a seasonal flu vaccine.

Consider getting the 2009 H1N1 flu vaccine to protect against 2009 H1N1 flu if it is available. If you are younger than 25 years of age, you are in a recommended initial target group to receive the 2009 H1N1 flu vaccine.

Symptoms of the flu (including 2009 H1N1 flu) can include:
fever*

cough
sore throat
runny or stuffy nose
body aches
headache
chills
fatigue
you may have vomiting and diarrhea

*You may have respiratory symptoms without fever.

For international travel, CDC recommends that you make an appointment to see a doctor familiar with travel medicine at least 4–6 weeks before you leave. The doctor will review your medical history and your study-abroad program to make sure you receive the right vaccinations, medicines, and information to stay healthy and safe.
Travel only when you feel well.

If you become ill, stay at home or in your place of lodging if you are already abroad, until your fever has been gone for at least 24 hours. If you have severe illness or you are at high risk for flu complications, seek medical care immediately.
Follow basic health tips while you are traveling abroad.

Wash your hands often with soap and water, especially after coughing or sneezing.
Cover your nose and mouth with a tissue when you cough or sneeze. If you don't have a tissue, cough or sneeze into your upper sleeve, not your hands. Avoid touching your eyes, nose or mouth. Germs spread this way. Try to avoid close contact with sick people. Read more at the www.cdc.gov

The U.S. State Department advises that you review your health insurance policy to ensure you have adequate internatinal health insurance which should cover medical expenses for sickness, accidents and emergency medical evacuation. Get a travel medical insurance quote.

7 Life-Changing Financial Decisions U.S. Expats Must Consider to Protect Their Assets and Investments

2009-11-17T12:10:00.002-07:00

If you are a US Citizen planning on moving abroad, then I would recommend reading Nick Hodges article about the "7 Life-Changing Financial Decisions U.S. Expats Must Consider to Protect Their Assets and Investments" which include:

1. Taxes
2. Your Pension
3. Offshore Bank Accounts
4. Investments
5. Estate Planning
6. Returning Home
7. Insurance Protection

Many US Expatriates live overseas without the intention of relocating home, but many do and find it difficult to obtain health insurance. Traditional US health insurance is individually underwritten and insurance companies can decline an application or increase the premium based on current and past medical history.

If you are an expatriate or thinking about moving abroad, then we reoommend considering the possibility of relocating back to the US in the future and incidental trips back to the US. We can provide a couple different options which provide medical coverage both in and out of the US or short-term travel medical policies for incidental trips to the US.

Call us at 800.647.4589 or 480.821.9052 and speak with one of our international health insurance specialists or email us at info@globalcitizeninsurance.com

Spot Light on the Philippines

2009-11-16T08:17:00.003-07:00

The Philippines is an archipelago nation of more than 7,000 islands, situated in Southeast Asia in the western Pacific Ocean. With about 86 millions inhabitants, the country is the 13th most populated country in the world.

The Philippines is an emerging Asian nation, ranked as a lower middle income country by the World Bank. 60% of the exports of the country are sold to trade partners in Asia. The global crisis has hurt the economic performance of the country. After a GDP growth rate of 3.8% in 2008, the IMF forecasts only 1% growth for 2009.

Metro Manila, also called the National Capital Region, is a conglomeration of fourteen cities and three municipalities. With a total population of 9.9 million people spread out over 636 square kilometers, Metro Manila is one of the largest urban centers in the world. The population density in many areas is greater than 20,000 per square kilometer, and reaches over 41,000 per square kilometer in Manila City. Political instability, terrorist threats, rebel insurgencies, high levels of criminal violence, and widespread poverty make Metro Manila a microcosm of the tenuous security situation throughout the Philippines.

Terrorism risk and a weak business infrastructure in some regions are some matters of concern. But there are many opportunities. The country is open to trade and the only obstacles are some non-tariff barriers. Also, the high skill levels, productivity and the adaptability of the workforce are major assets that should be noted by potential investors and trade partners.

Adequate medical care is available in major cities in the Philippines, but even the best hospitals may not meet the standards of medical care, sanitation, and facilities provided by hospitals and doctors in the United States. Medical care is limited in rural and more remote areas. We recommend purchasing international health insurance.

The U.S. Department of State is unaware of any HIV/AIDS entry restrictions for visitors. Americans applying for residency status in the Philippines can be excluded based on this illness

The following vaccinations are recommended but are not required: Hepatitis A, Hepatitis B, Japanese Encephalitis, Malaria, Rabies and Typhoid. We recommend speaking with your physician regarding the risks of vaccinations. Your doctor will make specific recommendations, depending on your health and immunization history, areas of the country you will be visiting, planned activities and other factors. If your travel plans will take you to more than one country during a single trip, be sure to let your health-care provider know. Long-term travelers, such as those who plan to work or study abroad, may also need additional vaccinations as required by their employer or school.

The website of the Department of Trade and Industry offers extensive information about investment in and doing business in the Philippines. It is also a complete resource for Filipino exporters.

If that's not enough, you'll also find plenty of good research at the Philippines at the FITA Web site. The Philippines Mini Portal has an overview of the Philippines, with facts about the language, currency, climate, etc., plus specific information about the economy, markets, taxes, labor market indicators, and tips on doing business in the Philippines.