Countries with career guarantees for expats

Expatriates are quite a brave population, for they are willing to leave comfort and familiarity behind in order to pursue adventure and an entirely different experience. Not only will they be dealing with a new environment, but they’ll also be adapting to the quirks and culture of the natives in their host nation. The economy and the workplace is going to be completely foreign as well. In order to make the entire move more manageable, they should choose countries which have guaranteed careers for expats.


Europe has a very competitive employment market. Austria, for one, is one of the most welcoming countries when it comes to expats looking for work. Immigrants can expect to earn an annual salary of $85,288. Another great thing about the place is that the government is aiming for a perfect balance between employment needs and quality of life.


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In Germany, foreign workers go there mainly to acquire new skills, get a secure job, and achieve career growth. Majority of expats living in this country say that job security in their host nation is better than that in their home country.


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Switzerland is another country which attracts a great number of expatriates. Not only do foreign workers earn high salaries, but the work-life balance of the place is also simply phenomenal. The country’s main selling point is its one of a kind work culture. .


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Singapore, meanwhile, would be the go-to place for expats wanting to live in Southeast Asia. Because of its flexible and accommodating corporate tax laws, it is slowly becoming a career hub. Singapore ranks high on surveys of places to live and work, and is a major magnet for foreign talents in areas such as marketing, finance, and Information technology. According to an HSBC Expat Explorer survey, nearly half of the city-state’s expatriates earn an average annual salary of more than US$200,000.


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In the Middle-East, the UAE hosts the greatest percentage of foreign workers relative to the local resident population. Its two main economic centers, Dubai and Abu Dhabi, are global cities and are highly cosmopolitan. The tax-free environment, availability of a variety of jobs, luxury living, and a largely relaxed lifestyle (compared to the rest of the Arab world) make this country popular among international workers.


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Worldwide, there are around 230 million people who consider themselves as expats. Remittances from this segment of the global workforce total to $440 billion. These make them significant economic contributors and their robust cash flow means that they are in the best position to build sustainable investment portfolios, participate in global economic activities, and create positive change in the way people approach work or business.

Stylishly sustainable: Emma Watson and eco fashion

Former Harry Potter star Emma Watson is definitely making waves in the cinematic universe, but that doesn’t mean her reach is only confined to that area. Apart from being an actress, she is also an academic achiever, a feminist icon, and a fashionable humanitarian. This spunky amazing woman just recently created a new Instagram account which will document all of the ethically made and sourced outfits that she will wear throughout her Beauty and the Beast press tour.


Her latest project named “The Press Tour” was announced in her original Instagram profile where she uploaded a photo of her walking down a sidewalk holding a suitcase. The account’s first post is a photo of her outfit which consists of a black and white plaid oversized coat, white sneakers, and a jumper. Watson goes on to add in her caption where each piece of clothing came from and expressed that every one of them were consciously made with the environment in mind. Her coat comes from a luxury brand that does not use leather, skins, feathers, or fur. Her jumper, meanwhile, was produced with the principles of reducing, repairing, reusing, and recycling. Emma also said that her shoe brand does not utilize any sort of animal product in the production of their articles.


This is her way of promoting sustainable fashion, thereby inspiring everyone to minimize—if not stop—using clothes which harm the environment and abuse animals. Emma knows that this is an issue that is often overlooked. With the simple act of posting everything she’s wearing and tagging where it is from, Emma believes her fans may follow suit.

The fashion industry is a huge business, but it is also one that undergoes frequent pressure from the demands of rapidly evolving fashion tastes as well as the need for employing more sustainable practices related to environmental preservation, animal welfare, and the human health. It is estimated that the womenswear industry is currently valued at $621 billion and the menswear industry at $402 billion. The retail value of the luxury goods market is nearly $340 billion. These make fashion and textile companies a vital component in many investment portfolios.

How to Protect your Portfolio from Common Infractions in Trade Execution

We would all love to have someone we can trust with our money.  Someone who can be there to safeguard our portfolios and always have our best interest in mind.  A person would typically look to his investment advisor or portfolio manager for that.  However, human nature still prevails in any aspect of business and finance.  That’s why there are regulatory bodies and trading rules set out to protect investors.

It can’t be all based on “trust.”  Actually, there are a lot of cases where the person the investor trusts the most, like his friend or relative, ends up being the one who does the greatest damage to his portfolio.  This is mainly because familiarity erodes the arm’s length nature of the deal. Typical control procedures – such as documentation and monitoring are foregone in favor of “trust.”

However, the responsibility to safeguard your assets rests primarily with you.  You cannot completely entrust your financial affairs with your broker or advisor.  In the end, it’s still your money, not theirs.

This article lays out common infractions in trade execution that are committed by brokers and investment advisors.  Investors need to be aware of these so that they can take measures to prevent them and protect their trades and portfolios.

So what are these infractions?

  1. Failure to deliver best execution. Brokers and dealers are required to always have the best interest of their clients in mind.  When you call your trader and ask for him to sell your shares of stock for a certain price “or better,” he is obligated to give his best efforts at selling your shares for the best price available.   For example, you asked him to sell your 10 shares at a price of $2 or better, because the stock was doing $2 at that time you called.  However, 2 seconds later and before the trader executed your sell order, the bids went up with great volume to $2.90.  The trader should sell higher than $2 because that is the “better”price.  If the trader decided to still sell at $2, then he failed to deliver best execution for you.  To ensure that you get the best execution, it would be best if you are looking at the real-time price movements as you call your trader.  If you can stay on the phone until your trade is executed, much better.


  1. Churning or excessive trading. Your broker earns money from commissions on your trades. Regardless of whether you gain or lose on the trade, he earnsa commission – computed as a percentage based on the gross dollar amount you buy or sell.  A natural conflict of interest arises because of this income arrangement. It is in your best interest to make a winning trade. That’s how you earn your income.  However, your broker’s interest is that you trade as much as possible, irrespective of whether it’s a win or a lose.  The more the total amounts you buy and sell, the higher his commission goes.Regulatory bodies seek to protect the investor by setting rules against this tendency for a broker to trade excessively for the purpose of generating commissions. However, this is one risk you face, particularly when you open a discretionary account with your broker.


By opening a discretionary account, you authorize your broker or investment advisor to make buy or sell orders on your behalf.  Of course he wants to please you and make winning trades. However, sometimes the need to earn a commission becomes a greater desire.


To illustrate, it may be an excessively bloody day in the markets and your broker would actually just watch on the sidelines if it was his money.  However, he might still sell for your discretionary account because he needs the volume and commissions.  It’s a horrible thing but it’s reality.


So how do you protect your account from churning?  One way to do it is by not signing up for a discretionary account.  Another way is to just monitor your stock ledger daily.  A long list of hyperactive buys and sells that lose money should be a sign. Call up your broker and ask about those trades.


  1. Client priority violations.A first come first serve policy prevailsin the execution of client trade orders. Assume you and a friend of the broker both want to sell the same issue because you both know that the price is going to crash anytime soon.  You called first to give your sell order for one million shares.  A few seconds after you, the friend of the broker calls giving a sell order for just one hundred shares of the same stock.  The broker knows that your sell order is definitely going to send the price crashing.  He feels sorry for his friend and decides to post his sell order first in the queue before yours. He violated the client priority rule when he did that.


Hopefully, the friend’s order doesn’t affect the price that much.  But we know that the markets can be extremely volatile and unpredictable.  It could also turn out that that one trade ahead of you actually forfeited your last chance to sell at a gain.  Afterwards it would already be at a painful loss. Nobody can really foretell.  Hence, to enforce fairness and justice, the rules of client priority were set by the regulatory bodies.


How do you ensure your rights are protected in this area?  When you call, try to stay on the phone until the order is executed.  It is also best for you to have real time data on the trading volumes, bids and asks as you call your broker and wait for your order to be executed.


This is not to shed a bad light on investment advisors or brokers.  A lot of valuable information and insight can be had from seeking their help.  Investment and financial institutions have an army of analysts and researchers who make it their job to know what’s going on about a particular investment opportunity.  It would be a shame for an investor not to avail of their knowledge and resources.  However, at the end of the day, the responsibility rests on the investor to decide and act for himself and his portfolio.





Creating A Family Legacy That Is Never About The Money

I think it is pretty common for everyone to dream of having a family of prestige and grandeur. Most of the time, people associate money, fame and prestige with legacy. The truth is way too far from it and it is unfortunate that in order to create legacy, many dwell on those things. Today, allow us to share with you some tips on how you could create a legacy for your family without even involving wealth and money.

1. Character- This is often neglected by most because they are too focused on the idea that you must be rich in order to create a legacy for your family. The character of the entire household speaks volumes when it comes to this matter. Believe it or not but you are most likely to be remembered by giving to people rather than how much your net worth is. It cuts both ways when we talk about character like having a bad one could make you create a legacy that the a lot of people would focus their loathe on you. Bottom line, your character has the ability to lead the way to create a family legacy. It is up to you if you have a good or a bad one, we all prefer of course.

2. Charities- A philanthropic heart is always remembered and it creates a legacy like none other in a family. Your family’s charity works are recognized more than your original net worth. Believe it or not, charities are a big deal for people of prestige. Some are only doing it to get away from the taxman, but it shouldn’t really work like that. It is much better giving genuinely than with ulterior motives to cut down on your taxes and not get audited.

3. Family Business- When we say family business, we don’t just mean your family’s corporation, but we also want to point out your family’s image. The issue on morality is part of it. Should your family is not exactly what the society would look up to when it comes to your moral standards, it is only wise to keep things private. You don’t need to do what the famous Kardashians are doing. There are personal matters that shouldn’t be brought up to the public and is only wise to keep it within the family circle.

Don’t mistake legacy and link it always to money and prestige. Legacy is far deeper than that and it is sad that only a few families get its entire meaning. In a nutshell, it more about the character because the heart is what really matters in the end. Focus on things that are intangible and you will be able to realize that they are more than meets the eye. Once you see it, you will learn that it legacy is indeed never about the money, the number of cars and mansions you own; but it is always about the size of your heart.