SPONSORED POST Y'all know I'm very picky when it comes to running sponsored posts on Mint Mocha Musings - but this one had me at hello. It's such an important one for so many of us the world over right now, no matter which part of it we live in. In the past year, if you're a parent, it's highly likely you have home schooled at some stage, many for much longer than others...and many are still going. Lockdown during the coronavirus pandemic has brought about a period of enormous change and uncertainty. For children school closures were sudden, forcing them and their parents to quickly adapt as they faced a long and uncertain period of home schooling.As children return to school, uncertainty and the need to adapt to change remains. Social distancing measures may mean that school will be different to how it was before the lockdown. For some pupil’s school times may change or they may only attend two or three days per week. In the classroom, students may be divided into smaller groups andsocialising restricted. It is important to prepare children for this new experience and the challenges it may bring. For that reason, I'm more than happy to team up with Allianz Care to bring you some tips on how to adjust to the new school year. Talk to your child about their concerns Your children may have the usual concerns about going back to school, but, they may also be concerned about the impact of coronavirus and what the school experience will be like.If your child is anxious or worried, talk to them about the concerns they are having about returning to school. Reassure them their feelings are normal and emphasise that you and their school are making every effort to minimise any impact on their school experience. Let them know that you and their teachers are always available to listen and want to help in any way.Many children will have been missing their friends and routine during the coronavirus confinement period. The return to school will be seen as a welcome return to normal. Remind your child of the positives Talk with your child about what they are most looking forward to about going back to school, and remind them of all the positives that school life brings. Talk to your child’s teachers Talk to your child’s teachers before talking with your child about the return to school, ensuring you are fully informed about what will stay the same when school returns and what will change. There may be specific requirements that your child’s school has put inplace which both you and your child need to be aware of and adhere to. Remember your child’s school and teachers are available to help answer your queries, so don’t be afraid to reach out for help. Talk with your child’s teachers or school principal if you have uncertainties or concerns about the new school experience. Prepare your child for what to expect. When you are informed of what to expect and what safety protocols have been put in place by your child’s school, relay this information back to your child in a positive and age appropriate manner. Ensure your child knows what to expect so there are no surprises. If your child will be required to wear a face covering during school time, let them know. Have them practice wearing the face covering, so that they are comfortable wearing it, and ensure they have an extra supply of face coverings should they need them. In addition, teach your child thecorrect way to wear their face covering. Putting on a face covering: They should wash their hands thoroughly before touching the face covering. They should ensure the face covering has no holes or tears. If the face covering has ear loops, they should hold the covering by the ear loops and put the loops around each ear. If the face covering has ties, they should hold the covering by the ties and bring the covering to their nose and tie securely. They should place the face covering securely over their mouth and nose, ensuring there are no gaps. They should be able to breathe easily. What should be avoided when wearing a face covering. They should avoid touching their face covering while wearing the face covering. They should not use a wet or soiled face covering. They should not wear a loose-fitting face covering. They should not rest the face covering around their neck or on their forehead. They should not share face coverings with other pupils. When speaking they should not lower their face covering. They should dispose of face coverings safely and hygienically. Remind your child about the importance of hand hygiene. Reassure your child the measures which the school has in place are to help ensure their safety and that of their teachers and classmates. Remind them that they too must do their bit to prevent any spread of coronavirus by washing their hands regularly and practicing good cough and sneeze etiquette. Get back into routine. Regular routine may have gone awry during the confinement period, in particular, your child may not have had a set bedtime and getting up time. To help ease the back to school transition, it is important to gradually re-establish routines in advance of the first day back.Help your child adjust by setting appropriate bed times and waking up times. During confinement your child may have stayed in their pyjamas for longer in the morning or have become used to morning TV while you tried to address other work and home commitments.Re-establish a morning routine for your child which prioritises getting dressed, brushing their teeth and hair and eating breakfast. Revise some maths, writing and reading. You may have let home schooling slide for a while, in advance of your child returning to school help them transition by undertaking some age appropriate reading, maths or writing.Your child may have concerns about having fallen behind in their studies, reassure them that everyone has been in the same situation and their teachers are prepared to help get everyone back on track. Keep the conversation going. When school finally does reopen and your child begins to settle into their new routine, ensure that you keep the dialogue going. Ask them how their day has been, and let them know that you are available to address any concerns or worries that they may have. Be sure to check in with their teachers to find out how they are progressing.The return to school will be a significant milestone for your child, and may present challenges. However, with some advance planning and good communication between you, your child and their school, you can reduce any detrimental impact on your child’s wellbeing and education. Allianz Care international health insurance can help members and their children with the transition back to school, they provide you with an Assistance Programme, where you can speak with a professional who can offer support. The service offers confidential support formental, financial, physical and emotional wellbeing and is available 24 hours a day, 7 days a week and 365 days a year. … [Read more...]
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Do You Want to Work Overseas? Tips for Choosing the Right Country.
Where Should I Move? Ask anyone who’s moved overseas for a work stint for either themselves or their partner and I'm pretty sure they'll tell you, it was a mind-altering and mind-expanding experience, and one that is likely, never to be forgotten. Even if it wasn’t quite the job of their dreams or the place they’d hoped would become their home away from home, people generally come out of these experiences a little wiser (and jaded). No just kidding! I mean fulfilled, of course! Changed forever. So, if you just happen to be toying around with the idea of moving overseas or find yourself in the enviable position of being offered a job abroad, this post might be for you. Here are a few questions you might want to ask yourself first. Does the Culture of the Country Interest You? Now, here’s a good one. We all know that experiencing a different culture is a life-changing experience, which can be both good and bad. When I think about our time in Hong Kong and in mainland China, the cultural experiences we had, still blows my mind. Was I interested in Chinese culture before we moved to Hong Kong? Truthfully, not overly, but I had been to Hong Kong before and at the very least, the glittering harbour city had me intrigued. It was so different to anywhere I’d ever lived as far as everything from the traditions to the customs, foods, ways of living and thinking. And when we lived there, whilst my mind felt like it was on a continual roller coaster ride, absorbing new knowledge faster than you could say, "I want to get off," it was invigorating. Of course, the more I found out, the more I wanted to learn, and the more addicted to living life on the edge, I became. And of course, as you know, we then moved to the mainland and that was a whole different beast! But one I was eager (if a little naively) to go head to head with. Suffice to say, your transition to your new home, will be much more rewarding if you feel positive towards the country and take an active interest in that country's culture. If the country you’re transferring to is completely alien to you, chances are you can expect to feel some sort of culture shock (which is a very real thing, trust me) and adjusting isn't always easy. The more mentally ready you are for it, the better off you'll be. Ask yourself if you can handle the differences in living standards, language barriers, food, cultures, etc. Imagine what it's like to be somewhere where the usual holidays and traditions you embrace aren’t even celebrated, not even Christmas. It might be a tough ask but you'll definitely find out what you're made of. For some, there are things that are simply deal breakers. And that's ok. Not everyone's cut out to live away from home. You need to really want to experience something out of the ordinary and be prepared to stick it out for the long haul, hurdles and all. Try to find someone who's lived and worked their before, to get their views on what to expect. And if you can, having prior knowledge of the market your new role will operate in it will definitely be to your advantage. There's every chance, you'll hit the ground running with limited opportunity to do this. It will only make you more effective in your role if you can reduce what can be a super steep learning curve. Are You Allowed to Be There? This is an obvious one, but you’d be surprised to know how difficult it can be getting work visas for some countries and it often comes down to your home country’s relationship with the country you're transferring to. Obviously, if you're going with a company whose sponsoring you, they will endeavor to support you in every way possible and the transfer process is likely to be a lot easier. You'll still need to comply with all the regular rules and regulations of getting a visa in that country though. Take our first visa experience in China for instance, you can read here for some idea of what we went through! Chaotic and confronting, to say the least! Oh, and there’s nothing worse than getting everything ready to move, both mentally and physically, only to be told you can’t get a work visa. This also goes for spouses accompanying you, make sure they’re up to date with the country’s laws and their expectations aren't going to be crushed when they arrive. Some partners might expect to start a job instantly too, but just because you’re living there with your employed spouse, there are many countries you simply won’t be able to work in. And make sure your visa doesn’t expire while you’re there. In some countries this means grave consequences, like deportation or even imprisonment. And do make sure you dig out all that paper work and pack it safely in your luggage. Here are a few expat mistakes I've learned along the way, that you can hopefully avoid. ;) What Job Prospects Are There For You? Chances are you will want more than just a ‘living’ wage when you make the gigantic decision to move to a new country. You’ll be leaving behind much of your support network and you’ll likely incur a lot of expenses during your adjustment period. Obviously, it’s a far better option to have a job waiting for you in your destination country, but if that's not the case, be sure to arm yourself with enough savings to last you, until you are, at the very least, employed. In fact, even if you have been guaranteed immediate employment, it can never hurt to have savings for that rainy day. You never know what can go wrong and in a strange country, this could make or break you. Check out the country's wage and tax structures and make sure you know the legalities on filing tax returns there and back home. What salaries and living expenses can you expect? While we’re on salaries, when you’re talking about lifestyles in different countries, gross salaries aren't always the perfect predictor of the quality of life you can expect. Different countries can mean vastly different costs of living as well as perks that don’t necessarily reflect how enjoyable (or unenjoyable) a country can be to live in. For instance, a developed country like Japan, Singapore or Hong Kong with an excellent public transportation system may have relatively high living costs, but being able to move around easily and affordably can make all the difference. I'm thinking of Hong Kong with its affordable and efficient train systems and 'cheap as chips' taxis. There's no urgent need for a car, which is a huge savings. If you are presented with a 'job package' before you decide to take the plunge, keep all that in mind. The salary may be lower than what you're used to but there could be considerable tax breaks and lifestyle savings. Comparably, in mainland China, the cost of living was relatively cheap, but the quality of life was also significantly more challenging than back home. For us at least. Look at how much food costs, power, internet, petrol, cars, schooling etc. All of these expenses can be game changers if you’re not prepared. Oh and if you want to know some of the cheapest cities to rent in. Check this post out. While we're on schooling, if you are taking children with you, it pays to know exactly what sort of schooling your country of choice has. Are there international schools, do they speak your child's language, is the curriculum on par with theirs at home and how much are school fees? Moving overseas can be just as tough for our kids. Here are few tips to help them. How Safe is it? Naturally, political, cultural, and economic strife can be cause for concern, and these issues can directly affect crime rates and YOUR safety. Even things like the traffic situation, as well as the state of public works and infrastructure, can have a direct bearing on your health and safety. Think about how well buildings are made and what sort of weather conditions impact the country. For example, is it a place regularly affected by typhoons? If so, does the infrastructure reflect this. What about hygiene standards? Do you need to be cautious about what you can and can’t eat? Are there quality hospitals and medical facilities in place? Before you move, check whether the company you’re working for provides health insurance. If not, I can't stress enough how important it is to invest in international health insurance. There are plenty of packages targeted at expats and overseas workers. Now Health International and other specialized insurers are usually able to offer wide coverage for lower rates. How Important is it to Have a Support Network of People? Some countries are especially popular destinations for expat workers, whether it’s because of the living conditions, geographical location, work opportunities, tax breaks etc. Moving to a new country or even just a different state or province can be incredibly difficult, and while I believe there will always be an adjustment period (I give it nine months, just like a pregnancy), having likeminded people who’ve moved out of their comfort zone, around you, will make everything that much easier. Of course, you want to try and meet the locals as well, but bear in mind, the more unique a host culture is to your own, the harder it might be to find fellow expats who’ve got your back. Before you go, think about taking language classes and studying as much as possible about your prospective host culture. On a work level, if you're in a key expat city, join some local organisations, such as InterNations or the relevant Chamber of Commerce. Otherwise, seek out other expats in similar roles. It's a great opportunity to learn and connect with likeminded career professionals and you won't feel so alone in your new role. No matter how hesitant you feel, if you’ve got the bug, I say, go do it! We only live once, right? No matter how challenging and different to your own country, and no matter how long or short your stay is, one thing I’ve learned is you’ll never regret it. Go forth and conquer! … [Read more...]
Calling All Expats! How to send money overseas quickly, for less…
I won't profess to be a financial expert (of any sorts!) but when I was approached by ClearFX to partner with them, I did a bit of investigating...and put the concept to several of my expat friends, who all thought this was a great idea and something that could be very handy indeed. They come under the umbrella of OzForex, the parent company in Australia with a multi brand strategy including NZForex, UKForex, USForex and CanadianForex. ClearFX is the Hong Kong branch. So here's the bit to pay attention to: If you're living away from home you probably know that sending money overseas can be expensive if you're using the major banks, right? With ClearFX though it's pretty easy - you can transfer money faster and for a lot less! Stick with me here, because it's worth looking into. There are no fees for transfers over HKD 16,000 or equivalent and their exchange rates are much better than banks and other providers. Best of all, you can do it anytime you like online or by phone – they are open 24-hours a day, business days! By using ClearFX you will enjoy the following; No receiving bank fees in most countries Extremely competitive foreign exchange rates across 50 currencies Online access 24/7 Access to a dedicated dealer by phone 24-hours a day, 5 days a week Complete exchange rate transparency No transaction fees for amounts over HKD 16,000 or equivalent Risk management tools through Limit Orders and Forward Exchange Contracts Exchange rate alerts via email Access to our highly regarded daily and weekly “Market Commentary” To speak to one of their accredited dealers about your foreign exchange requirements call 800 969 599 in Hong Kong (1300 300 424 in Australia 0845 686 1950 in the UK; 1800 680 0750 in Canada or 0800 161 868 in NZ). Registering with them is FREE and you can view their live dealing rates immediately. What are you waiting for!!! ClearFX Currency Converter Add this to your site … [Read more...]