Managing Debt For Expats

Getting Out Of Debt For Expats

The issue of debt not something from which expats are excluded. There is a common belief that all expats are earning great money and are very secure financially, so it might surprise some people to hear that I have met many expats on a professional level over the years with quite alarming amounts of debt. And this is debt racked up both before and after becoming an expat and debt …

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Thoughts On Timing The Markets

Can you time the markets? Some people think you can. And some people think you can’t. Critics of the market timing strategy claim that in trying to time the markets, then really, you are trying to predict the future. And if you can predict the future, you might as well predict the next lottery ticket numbers and stay clear of the markets, right? Those in support of market timing believe …

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Avoid These 7 Common Financial Mistakes


Anyone can make mistakes that cost them financially and we, as expats, are not immune either. In fact, there are often more pitfalls to negotiate when you are living as an expat than when you are back home. As with so many things in life, a lot of potential issues can be avoided with some preparation, so I have compiled my Top 7 Financial Expat Mistakes in order to help …

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Lifestyle Creep and How To Reverse It


There’s a term called ‘lifestyle creep’, which is used to describe the situation when somebody’s living costs increase with (and sometimes extend beyond) rises in their take-home pay. You’re making more, but you’re also spending more. Things that were formally luxuries are now seen as necessities and coupled with the modern culture of instant gratification, it becomes easy to fall into a spending trap. I think it is a natural …

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How To Choose A Financial Adviser

How to choose a financial adviser

If you have decided that you need some help with your financial planning, knowing where to begin to find a good adviser can be a daunting task. There is no shortage of information available online, but the difficulty is, sometimes there’s just too damn much information and filtering through it all can be a tedious and time-consuming task. And you’ll often come away feeling more confused than when you started. …

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10 Easy Ways To Reduce Investment Risk

Investments always come with some risk, but there are certain things within your control that you can do to reduce your chances of walking into a disaster. In the offshore financial services industry, expatriates are often exposed to broad spectrum of potential pitfalls, ranging from well-intentioned-but-poor advice to blatant mis-selling to outright scams. Based on what I have experienced in the industry over the past decade, here are 10 things …

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Is Your Investment Portfolio Actually Any Good?

If you’re a long-term investor using a financial adviser/wealth manager to help you build your portfolio, you probably understand the basics of asset allocation, but if you don’t or that’s where the extent of your knowledge concerning your portfolio ends, you’re not in an uncommon position. After all, that is why you have an adviser, right? The fact is, loads of people invest with advisers and put their faith in …

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