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Expat Investor : March April 2009
OFFSHORE BANKING Continued from page 3 Focus is available to those with a minimum initial combination in cash and/or investments of £50,000, US$75,000 or €75,000, of which at least £5,000 (or currency equivalent) must be in cash. HSBC BANK INTERNATIONAL Alan Smith, Head of International Wealth Management, writes: Moving to a new country can be stressful, whether you are single or have a family. Expats have to contend with the practicalities of moving, then settling into a new home and making new friends. Some need to learn a new language and almost all will have to adapt to local customs and traditions. Particularly at this time of economic crisis, expatriates around the world need to be able to turn to a name they can trust to provide all Expat Money– the definitive personal finance manual for Brits abroad THIS BOOK COULD SAVE YOU THOUSANDS OF POUNDS EXPAT MONEY is the unique personal finance guide for Brits abroad. It explains simply and clearly how to make the most of your money whenever and wherever you want. BOOK COULD SAVE YOU MANY USANDS OF POUNDS. EXP EXPAT MONEY The Definitive Personal Finance Manual for Brits Abroad HANNAH BEECHAM & JOHN O’MAHONY Topics covered include: ? currency exchange ? offshore banking ? banking abroad ? best buy savings products ? offshore mortgages ? expat investment opportunities ? insurance and health cover ? non-resident status – the expat’s best-kept secret ? dealing with the tax authorities - home and away EXPAT MONEY offers a comprehensive introduction to all aspects of expatriate personal finance and answers those essential money questions you’re sure to encounter. Whether you’re leaving to work, to retire or buying a second home, don’t leave the UK without it! About the author Hannah Beecham – the expat expert – is the most experienced and longest-serving journalist and editor in the expatriate finance sector. She was a founding member of the Financial Times magazine, The International, and for 11 years has been the editor of Expat Investor, as well as offshore finance editor of the International Express. EXPAT MONEY – the only guide to expatriate personal finance matters, is published by Summersdale (paperback, £8.99) and is available through all good bookshops and internet booksellers or through www.summersdale.com 4 EXPAT INVESTOR ? March/April 2009 expatinvestor.com their financial needs. HSBC Bank International is the worldwide specialist in offshore banking and investment services for people living and working abroad. Customers choosing HSBC Bank International have access to their money in more than 200 countries and territories, 24 hours a day, in a range of currencies. Based in Jersey, HSBC Bank International has representatives on the ground in Hong Kong, Singapore, Dubai and South Africa, as well as in affiliate offices in UK and Malta. All customers have access to a team of International Wealth Managers who are trained and measured against the most exacting industry standards to ensure that their proposals give each customer the best chance of meeting their individual financial goals. They also have an intimate knowledge of the world’s financial markets, a wealth of intelligence and research at their fingertips and can deliver independent advice on the most appropriate investment choices available. Offshore banking and investing provides a well-regulated and transparent framework, and HSBC Bank International offers products, services and opportunities that might not be available in domestic banks. Customers can protect, preserve and potentially increase their assets while benefiting from favourable tax jurisdiction as well as financial and legal advantages. Moreover, customers with assets of £60,000 or more qualify for HSBC Bank International Premier, which offers a premium service proposition and an upgraded online offering through the ‘Premier Lounge’ online portal. Premier customers benefit from international recognition and worldwide support. This includes: ? Worldwide assistance to conveniently transfer finances and set up bank accounts in a new country. ? Access to a dedicated relationship manager that can provide wealth management and financial planning services. ? Emergency assistance – if things go wrong, Premier customers can cash up to £1,000 at any HSBC bank branch. ? In addition, HSBC Bank International customers benefit from preferential savings and borrowing rates.With expats travelling around the world and, in many cases, requiring a flexible credit card, Premier customers also have access to the HSBC Premier MasterCard, which has the lowest interest rate of any HSBC Bank credit card and is accepted at 16 million locations worldwide. Expat customers may also be experiencing a new culture or language – as such, HSBC Bank International Premier provides useful local information about everything from restaurants to cultural events and entertainment. The ‘Home and Away’ rewards programme gives customers exclusive leisure privileges, whether for travel, shopping, wining or dining – wherever they are in the world. NATWEST INTERNATIONAL Originally a geographical term, ‘offshore’ has a special meaning in the financial world. Offshore banking presents solutions to many of the issues facing people living and working abroad as it provides a range of products and services designed especially for them. It can help to ease the transition to a new country, company, culture and financial system. There are many advantages to offshore banking, and a diverse EXPATEXP MONEY HANNAH BEECHAM & JOHN O’MAHONY
January February 2009
May June 2009