Hong Kong, Singapore, Tokyo - Asia Pacific Expatriate Cost of Living

What do these three Asia Pacific locations have in common?

They are all on the top of the list of the most expensive expatriate locations to live, in this area.

Hong Kong tops the list as the most expensive location, this is due to the high cost of housing, schooling and limited space available.  Singapore is second, Tokyo comes in third, Sydney fourth and Shanghai fifth.   Australia sees four of its cities in the top ten, these include Sydney fourth (14th worldwide), Canberra sixth (24th overall), Melbourne eighth (29th overall) and Perth tenth (32nd overall).

For full cost of living comparison go here.

Top Ten Cost of Living Comparison over the Last Six Years

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Thinking of Living in The Middle East? Which City Rates as the Most Expensive on the Cost Of Living Rankings?

Considering moving to the Middle East, raises many questions.  Which country are we moving to? Will we cope with the culture change?  How much will our every day living change?  How big is the expat community? What about people from our own country? Are the schools good? Will they have the same schooling system that our children are used to?The questions go on and on....

Interestingly, many people do the basic calculations on how much it will cost to live in the desired city, but many do not take all the relevant costs into account.  Xpatulator.com assists subscribers to calculate expatriate pay using the online calculators and extensive database of cost of living and hardship indexes, for 780 international locations. Data is collected from 50 types of data sources, including local service providers in each location, international service providers, official governmental statistics and global agency data. The data is thoroughly quality assured and manually checked by Xpatulator Analysts. 

Jerusalem in Israel is ranked as the most expensive city to live in as an expat in the region but ranks 136th worldwide, this is followed by Abu Dhabi, Doha and Dubai respectively.

For expat's the strong shekel has made imports more expensive, and the relatively high cost of housing has further contributed to Israel becoming the most expensive country, and Jerusalem the most expensive city in the Middle East.

Six Year Top Ten Ranking Comparison:

For the full listing go here.

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Living In Africa As An Expat? Where Does The City You Live In Rank On The Cost Of Living Scale?

Although Africa is perceived as one of the poorest continents in the world with a low cost of living for locals, the cost for expatriates due to the transportation and importation of products as well as accommodation make many of the cities here extremely expensive to live in.

Luanda, Angola remains at the top of the list due to its high cost for accommodation, imported produce and international schooling. Bangui in the Central African Republic (CAR) is the second most expensive city in Africa, and N'Djamena in Chad third, with the cheapest being Tunis in Tunisia.

Top Ten Cost of Living Ranking Comparisons:

For the full list for Africa go here.

This article may be freely copied as long as reference is made to http://www.xpatulator.com/ 

Which Cities Are the Most Expensive to Live in for Expats in Africa - October 2014?

Despite the obvious poverty and sprawling slums in Angola, accommodation for expatriates remains extremely costly.  Keeping the Capital City of Angola at the top of the list for most expensive locations for expats in Africa according to Xpatulator.com.  Bangui in the Central African Republic (CAR) is the 2nd most expensive city in Africa.
What other cities make up the costliest for expats in Africa?  

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Death, The Expat and How to Prepare

Are we ever ready to say goodbye to a loved one? The reality is that without careful planning, death can become complicated and eclipse the mourning period. Grief turns to anxiety when the person that can answer simple questions - the where, why, how and what - are no longer around to help. Don't let this happen to you or your family.

There are two different scenarios that can occur. As an expat you need to consider the family that you have left behind in your Home Country as well as your immediate family in your Host Country and whether you know what their death requirements are.

Firstly, as an expat you can never predict when your next journey home will be, especially when you have a loved one at death's door. Although you cannot know when to be at your parent or loved-one's deathbed, what you can prepare for is the inevitability of death and being organized for any situation. In many circumstances the partner left behind is overwhelmed with grief and cannot cope, if plans have been made before hand it helps to determine and follow through with their death wishes. A course of action has been outlined for both scenarios - the death of a loved one back at home and in your host country.

INFORMATION and INVENTORY REQUIREMENTS for PARENTS / RELATIVES 

in your HOME COUNTRY

1. When the person has passed on, a doctor or emergency service should be contacted immediately.

2. A letter pronouncing the death should be completed by one of the above.

3. The coroner or funeral home/parlour should be contacted to collect the body.

4. Arrangements can then be made with the funeral parlour with regards completing official forms.

5. The funeral parlour should be able to complete and hand in any official forms on your behalf e.g. Lodging the Death Certificate with the relevant State/Government Department, as well as the certification of Identity Documents and Death Certificates.

6. Certified Copies of the Identity documents, Passports and Death Certificate should be kept in a safe place. These may be required to close personal accounts.

7. In the case of a parent passing on the below form should be filled in for a course of action to be followed by surviving family members. This document should be distributed to relevant individuals and kept in a safe place. Delete all areas that are irrelevant for your family member.

EXPAT FAMILY PERSONAL AND INVENTORY FORM

Personal Details:

Full Name:_______________________________________________________

ID Number:______________________________________________________

Passport Number:__________________________________________________

Essential Friends, relatives, neighbors and colleagues to be contacted in the event of my death:  

include Name, Relationship and Contact Details

Where I have placed my Will:_________________________________________

Where I keep my ID book:___________________________________________

Organ Donor:_____________________ Living Will:______________________

Guardianship of my children:_________________________________________

(if applicable)

My pets need:_____________________________________________________

Funeral Details:

Place of worship:__________________________________________________

Requests regarding burial / cremation and scattering of ashes:_______________

________________________________________________________________

Preferred funeral arrangements:_______________________________________

________________________________________________________________

Payment options for funeral:

Burial Scheme / Funeral Policy:_______________________________________

Financial Details:

Income tax number:________________________________________________

Auditors:________________________________________________________

E-mail:__________________________________________________________

Tel:_____________________________________________________________

Employment / Sources of income details:

Employer:_______________________________________________________

Tel:_____________________________________________________________

Company policies:_________________________________________________

Company benefits:_________________________________________________

Bank account, Insurance, Investments, Policies, Pension Funds, Unit Trusts, Loans, Shares, and Off Shore Assets.

Institution:______________________________________________________

Account number:_________________________________________________

Type of account:__________________________________________________

Account details:__________________________________________________

Accounts to be paid up and closed: Name, Account Details, Account Number and Contact Details.

Consider Doctors, Dentist, Pharmacy, Credit Card, Clothing, Telephone, Mobile Phone, Pay TV, Security, etc.

Ownership Documents:

Car Lease:________________________________________________________

Residential Property:  

Property Number, Deed in the name of, Bank, Contact Details, and Mortgage Account Number

If bonded the bank will hold the deed if not state where the title deed is kept:

Mortgage / Life Insurance

Insurer:_________________________________________________________

Policy Number:__________________________________________________

E-mail:_________________________________________________________

Tel:____________________________________________________________

Details of Rates and Taxes Account / Body Corporate / Managing Agents:

Details:_________________________________________________________

Contact:_________________________________________________________

Account number:__________________________________________________

E-mail:__________________________________________________________

Tel:_____________________________________________________________

Other:___________________________________________________________

Details of Timeshare:

Resort:__________________________________________________________

Tel:_____________________________________________________________

Ref / Account number:______________________________________________

RCI / Other:______________________________________________________

Tel:_____________________________________________________________

Medical Insurance:

Name of Medical Insurance:_________________________________________

Tel:_____________________________________________________________

Account / Ref Number:_____________________________________________

Details of Executor:

Name of Institution:________________________________________________

Name of Person:___________________________________________________

If person state ID number:___________________________________________

If Institution state Account / Ref Number:_______________________________

E-mail:__________________________________________________________

Tel:_____________________________________________________________

Details of Administrator of Trust:

Details of Trustee:__________________________________________________

Institution:________________________________________________________

Contact Details:____________________________________________________

Housekeeper employees details, contract, UIF/Social Security etc:

Full name:_______________________________________________________

Tel:____________________________________________________________

ID Number:______________________________________________________

UIF/Social Security Number:________________________________________

Other Details:____________________________________________________

Details of Firearms, locations of licences and access to safe:

Firearms:________________________________________________________

Licences:________________________________________________________

Safe:____________________________________________________________

Computer logins: Account, Login, Password, Other. Examples are Email, Facebook, Twitter, YouTube, etc.

Note any other items that have not been mentioned on this list, e.g. details of CC, Partnership agreements, ante nuptial contracts, divorce agreements, hiring or letting contracts, safe keys / combinations, passwords for computer, where the gold is buried, etc

YOUR NAME                             WITNESS 1                              WITNESS 2

Name:_____________________ Name:____________________ Name:_______________

Signature:__________________ Signature:_________________ Signature:______________

Date:______________________ Date:_____________________ Date:_________________

STEPS THAT SHOULD BE TAKEN IN YOUR HOST COUNTRY:

1. Register every member of your family with your HOME country Embassy, in your HOST country. Most embassies require the following information:

- Person's Name, Date and Place of Birth, Passport Number, Visa or Work Permit Number and the Contact Details for each family member,

- The Full name and address of Next of Kin,

- On the death of a family member they would require Date and Place of Death, Cause of Death, and the Location of the Remains.

2. Your embassy will assist you in the event of a death of a family member in your Host country and will be the source of any required information with regards processes to be followed.

3. Be proactive and contact your embassy to find out all relevant processes to follow in cases of death; natural disasters; and evacuation processes during conflicts.

4. When a person has passed away contact your embassy, as well as the police, a doctor or emergency services. Find out who the relevant people are to contact via your embassy.

5. A medical officer or doctor will have to pronounce the person as deceased, they will issue a medical record stating that the death was of natural causes and that nothing suspicious occurred.

6. The coroner, funeral home/parlor or police ambulance should be contacted to collect the body. The remains will be handled in accordance with the laws of and facilities available in your host country.

7. If the remains are to be shipped to your Home country, it would be necessary to embalm or cremate the body. Check the local requirements and customs allowed within your Host country. Certain Muslim countries will not allow non-Muslim's to be cremated within the country, and special arrangements would be required to ensure that customary procedures of your Home Country are followed. Once again your embassy should have this information.

8. Find out the legal requirements with regards the remains and follow these in accordance with the persons wishes.

9. The official funeral director should be able to complete and hand in any official forms on your behalf e.g. Lodging the Death Certificate with the relevant State/Government Department, as well as certify Identity Documents and Death Certificates.

10. Certified Copies of the Identity Documents, Passports and Death Certificate should be kept in a safe place. These may be required to close personal accounts at a later date and for official government requirements back at home.

11. In the case of an expat or a member of the expats family passing on, the below additional questions to the form above should be provided for a course of action to be followed by surviving family members.

12. This document should be completed separately by each adult member of the family and distributed to relevant individuals in your Host and Home countries for safe keeping.

To find your Home country embassy in your Host country try out the Project Visa website.

EXTRA INFORMATION FOR EXPATS FORM

Embassy Details:

Nationality:______________________________________________________

Embassy Contact:_________________________________________________

Embassy Tel Number:_____________________________________________

Guardianship of my children:

Names of Children:_________________________________________________

Name of Guardian:_________________________________________________

Contact for Guardian:_______________________________________________

Person responsible for Children until Guardian arrives:_____________________

Contact for above:__________________________________________________

Pets:

Names of pets:____________________________________________________

Details of pets care:_________________________________________________

Name of person responsible:__________________________________________

Contact for person responsible:________________________________________

Funeral Details:

Contact of Funeral Parlor / Person responsible in Host country for Funeral Arrangements:

Name:____________________________________________________________

Tel:______________________________________________________________

Other:____________________________________________________________

Housekeeper employees details, contract, UIF/Social Security etc:

Full name:_______________________________________________________

Tel:_____________________________________________________________

ID Number:______________________________________________________

Resident Permit / Visa Number:_______________________________________

Other Details:_____________________________________________________

Regard this as a legal document, initial each page and get your witnesses to initial alongside you. Once this document has been completed, keep the original in a safe place and distribute copies to the relevant family or friends. Let them know where the original document is, for future legal requirements.

Having recently lost a parent, the above information would have been imperative in allowing us to have the space and time to grieve without being concerned over issues that we had no answers to.

If you would like to receive these documents in Microsoft Word format, please send an email to help@xpatulator.com