Finances: Part II- In Transition

Hey everyone! I just wanted to say before starting this post that I have had trouble with my self-hosted website system. So, thanks to those who have notified me about not being able to interact on my blog. I will be switching to a new host soon, so bear with me! Fingers crossed it works out this time!

This is a continuation of my posts on expat finances. I am learning a lot as I go, especially now that I’m an adult and have more financial responsibility than I did when I previously moved to another country. See my previous post Finances: Part I- The Basics for my first post on this subject. Now, without further ado, let’s bust these money taboos!

Previous Experiences:

I was really young with my first two international moves. However, when I was old enough, my parents told me stories of their money experiences while transitioning and adjusting to a new culture.

When I repatriated to the US, things were relatively easy for me. I didn’t have assets in the UK, so I decided to move all my money to the US. Additionally, the exchange rates were favourable between the US Dollar and the Pound Sterling at that time.Β 

Financially Transitioning to A New Country:

There is a common misconception that Third Culture Kids are wealthy because of their mobile lifestyle. Family wealth is not always a factor in being able to move overseas. There are a variety of factors that make a mobile lifestyle possible. Companies can pay expenses for transitioning overseas, and include other perks for expats, so that’s a big deal. Additionally, it depends on where you are moving and how you move. Believe me, moving across an ocean and most, or all of another country can really compound the costs of moving. Plus, everyone’s situation is different, and people handle money differently.

As an example, I had to cancel my cell phone number in England before I moved. So far, I have been able to keep my US number while living in Canada. I had to upgrade my cell phone plan to allow calls within Canada and also be able to call the US when I have needed to do so. My initial plan was to change to a Canadian cell phone number after a month. However, Canada has some of the most expensive cell phone plans of any country, and I still have to make calls to the US now and then. I decided to keep my US cell phone number for a little while until I feel more financially stable.

Open A Bank Account Before or After Moving?

That’s a critical decision. When I moved to the US, there was no urgent need for me to have money there, so I waited until after I moved to open a bank account. However, with moving to Canada during the pandemic, I knew that I would have to quarantine for two weeks and I needed to be sure I had a bank account there. My Mum decided to wait to open one until after we arrived.

I bank with HSBC, so I was able to set up a bank account in Canada to be ready for when I got there. I had to go through an application and setup process that took some time, but it was worth it. Plus, I was able to sort out any problems before I moved! On the other hand, I couldn’t get a debit card for the account until I had arrived in Canada. After quarantine, I had to go to my branch to sign a couple more papers, and then I could get a debit card.

We realized later that I had the right idea all along. Additionally, we learned that the finances with moving to another country never really end, and it’s too much for one person to bear. Mum decided to take on extra tasks with moving so that I would have more bandwidth to deal with the finances. The reason why the situation ultimately worked out was that my Mum and I communicate well.Β 

Striking A Balance:

When you’re in transition, it’s not a time to cut corners. If you need to pay for something, suck it up and do it! I’ve had to pay more for my US cell phone plan, but so what? It works here in Canada and that’s all I ask! Plus, in my Quarantine Diaries Week 1 and Week 2, I talked about my Mum and I not getting our mattresses from Overstock. I caved and ordered them from Amazon because we had been sleeping on the floor for NINE days! We needed mattresses so badly we didn’t care about buying them again. Overstock delivered the mattresses a month later.

At the same time, unimportant costs can add up. As I said in my Finances Part I post, you are one decision away from making a financial mistake. I learned over the years to save any potential discounts for a time when I might really need them. There is no better time to use discounts than doing an international move.Β 

Want to know how much it cost me and my Mum to fly from San Francisco to Calgary via Vancouver? Nothing. We saved our credit card points for a time we really needed them. Of course, I offset our carbon emissions, and I was happy to put a little money towards it. My attitude was, “Sorry Mother Earth! I know you’re hurting, but my Mum and I need to get out of a crappy situation! Here’s a little something for you to say thanks.”

What You Need to Get Settled:

Again, it depends on your personal circumstances. You need to decide how much furniture you need to get and whether you actually need it. If your place is already furnished, great!

Sometimes, you can’t know what you need until you actually get there. My Mum and I had to buy PROPER winter clothes when we arrived. When my Mum was talking about getting winter clothes in California, I said, “You don’t go to California to get winter clothes.” Get what I mean?

Additionally, you have to get used to what shops are around when you move to a new country. I had to ask a Canadian friend what the difference is between Canadian Tire and Home Depot. Plus, when I discovered Co-ops in Calgary, I felt like a kid in a candy store! It was the best Co-op I had ever seen! Your general daily expenses are not going to settle until you decide where you like to shop and for what.

A Note on Healthcare:

Getting used to a new country’s medical system is something you need to budget for! Different countries have different rules for when new immigrants qualify for healthcare. That is if they have a government healthcare system.

In the UK, it took about a year to qualify for healthcare. Although, from what I saw with my family and friends, they don’t give quality healthcare to new immigrants until they have paid taxes for a while. In the US, you have to pay ALL medical bills until you get insurance! You absolutely MUST read the fine print of what your insurance covers! Plus, medical costs there are sneaky! You learn a lot of soft skills to save money on healthcare costs. For example, I decided early on what hospital I would want to go to if I had an emergency. I was certain of their quality care, but they didn’t charge me any out-of-pocket costs for using their resources like a hospital gown, or soap. It pisses me off that hospitals charge unreasonable costs that your insurance doesn’t cover!

How I feel when I hear about being absurdly overcharged for out-of-pocket costs:

Canada has a law that you cannot enter without health insurance. Plus, you have to live there a minimum of six months and one day to qualify for their government healthcare. That system works well because it’s a good time to get acquainted with a healthcare system before you qualify for care.

There are Cultural Ways of Dealing with M0ney:

You CANNOT ignore this! Countries will have different ways of banking, managing and transferring money and you have to work with it. It can feel overwhelming at times.Β 

Before my Mum and I moved to Canada, we had to put a deposit on our new apartment. The landlord told us how to send the money, but at first, I didn’t understand the instructions. I thought it was a simple wire transfer and the instructions didn’t make sense. Google didn’t help too much when I tried to find “what does ______ mean??” I figured because my ISP was in the US, I couldn’t access it.Β 

Eventually, I figured out the banking feature I had to use was called Interac eTransfer. Even though I had my Canadian bank account, I hadn’t really explored the features since I was busy moving. Then, I suddenly had to do a rent deposit and I was FREAKING OUT!!!! Plus, it seemed counterintuitive to me that there is actually a banking feature that doesn’t charge you fees for using it?! What kind of a country IS this where they don’t charge you for every banking service you use?! After a failed attempt at the Interac eTransfer the first time, I was going to blow like a volcano! Finally, I found a page on HSBC Canada about Interac eTransfer that explained it.Β 

Mum said, “you’re going to love this service someday!” She was right. There was so much stress the first time, but now I love it! Now, I look back on this story and laugh. That story is another reason why I was glad to open a Canadian bank account before I moved there. I don’t know what I would have done about the deposit if I didn’t have a Canadian bank account!

Final Notes:

Bottom line: It takes a MINIMUM of a few grand per person to get settled in a new country. The more you move to a new country, the better you get at making financial decisions. Mistakes don’t completely go away, but you’re less likely to make a serious one if you go by past precedent.

Additionally, it was a lovely surprise to find the best French patisserie in Calgary. Whenever someone does something nice for me or my Mum we get a box of macarons. When you’re an expat, you need a lot of help, and it’s really touching when people come through for you. There’s no better reward than seeing their faces light up when we give them macarons. You’re probably asking, “You have money for that?” The answer, “Yes, I have money for that.” I’m new here, and I’m building connections. Sometimes, I have moved and really been thrown into the deep end because people weren’t willing to help. Canadians are among the most generous people I have had the pleasure of living with, and I have given out a lot of boxes of macarons to say thank you!

What do you think? Do you agree or disagree with what I have to say about finances as an expat?

Crossing A Border? Here Are Some TCK Pro Tips!

Who has had a supremely pleasant experience crossing a border where the officers are kind, welcoming and let you in with no problems? No? Me neither. Let’s just say, there’s a reason comedians make fun of border patrol and airport security. I included my favourite comedy routines on the subject in this post to help lighten this heavy subject.

I grew up between two of the most hostile countries when it comes to border patrol and security. So, I got really good at dealing with it. My parents said France and Switzerland border patrol care the most about paperwork. As long as you have that in order, they are usually okay with you. That sounds mild compared to my passport countries. Okay, Napoleon, I don’t appreciate the paperwork headache, but as long as I don’t get a hard time at the border, thank you!

Whether you are crossing a border for travel or immigration purposes, it’s helpful to know how to deal with border patrol. I will include tips on dealing with airport security too. Border patrol and airport security is a content warning in its own right. However, I want to mention I will include some examples of stories that people may find disturbing.

Before You Leave:

Do any necessary paperwork. I know that doesn’t sound like fun, but it will save you an enormous headache later. Make sure your passport is still valid too. If it isn’t or if you have less than 6 months on it, renew it! Being born in Switzerland and living in France, it was my birthright to learn how to fill in paperwork properly. It was one of those cultural things my parents made sure to teach me. That served me well when I moved to England and I expect it will serve me well here in Canada too. I remember when I was old enough to do paperwork, and my Mum gave me practice forms to fill in. She made me practise… and practise… and PRACTISE until I was almost tearing my hair out.

My Mum was sympathetic but also strict about the fact that I needed to know this. She told me stories later about how she learned how to deal with paperwork in France/Switzerland. This was before the internet really took off too, so hey, I learned paperwork from a master!

This is why I love Roz’s character from Monsters Inc. Every scene with her makes paperwork and border patrol a little easier to handle.

It really helps to think of border patrol officers like Roz, or even like in Life is Beautiful, Guido and Joshua call the concentration camp guards, “Mean Guys Who Yell.”

One More Thing:

Check the laws, regulations and rights when you cross the border. I’m serious. Anyone can get stopped at the border and you have to be prepared in case it happens. Additionally, if you are arriving in a country that has questionable (or dare I say abusive in some cases) human rights practices, you have to be even more prepared. More on that later.

Check requirements for airport security and customs too. If you’re in doubt about taking something with you, either don’t take it or ask at security or customs if it’s allowed. I heard a story once about this elderly German guy who was flying into the USA. He brought baking soda with him to brush his teeth. He was detained for hours while security tested it. They came back and said, “it’s baking soda.” Um, they could have figured it out by pouring apple cider vinegar on it and creating a mini volcano!

Case in point: what happens when you take fruit across the US/Canada border.

Now that you’re prepared, here’s are my tips when you are going through security or crossing the border.

Golden Rule: Do NOT Use Humour!

Just DON’T! When I was younger, my Mum told me this story to remind me not to use humour. Groucho Marx said that he was a smuggler when he went through the border. They detained him even though they knew who he was. Plus, the previous video with Leland Klassen conveys that message of not using humour too.

One time, my Dad used humour with Border Patrol. We had just got permanent residence in the UK, and my Dad was arriving back in the UK after a trip to the US. He was having his papers checked at Border Patrol and they asked him how he got permanent residence. Side Note: One of our family discussions at the time was about this guy who gave Β£1,000,000 to the Labour Party to obtain UK citizenship.

Anyway, Border Patrol asked my Dad, “How did you get your permanent residence?”

He joked, “I gave Β£1,000,000 to the Labour Party!”

The woman questioning him looked blank and said, “Good for you.”

Okay, that worked out in the end. Still, I don’t advocate using humour. Border Patrol has NO sense of humour! They just get on with the job.

Honesty is the Best Policy:

If you are familiar with typical questions you are asked, I suggest you practice your answers if you have ANY uncertainty of what you are going to say! Border Patrol may try to throw you off with an atypical comment or question. It’s normal to freeze when that happens. I don’t have any right answer for when that happens. Just be kind to yourself, especially if you say something that you feel like you shouldn’t have said in retrospect. Frankly, I get panic attacks when that happens. Sometimes, I can come up with a good save in answer to an awkward question, but it takes practice. It didn’t happen overnight for me.

Here’s something people don’t often tell you. Sometimes, you have to tell the border officers which law(s) is/are applicable to your case. Border officers have to keep track of MANY different laws. I had a situation once where I had to tell the border officer the law that applied to me. Sometimes, you wonder if they really don’t know that law, and it’s true that it can be the case. Other times, it can likely be just needing to know all these different laws and it’s hard to recall them at the drop of a hat.

I’m glad Trevor Noah makes the situation lighter in this video.

If You Make A Mistake, Own It:

You might make a mistake in your paperwork or answer a question wrongly. In that case, admit the mistake. Don’t try to flatter the officers, like how Mike Wazowzki tries to flatter Roz. Yes, there will be consequences. I made a mistake once. I thought one regulation applied to me, but it turned out there was a new one. Because I was preparing to move I didn’t check for updates. It takes a while to go through those regulations, and it’s one of those things you only want to do once when you move.

Decide Which Information is Important to Share and Which Isn’t:

To be clear, I’m NOT saying you should hide information! Far from it! What I am saying is you should prioritize what information you should share. When I got dual nationality, I learned that I have to decide on a case by case basis whether I should disclose it. I don’t say I’m a dual citizen if I am entering one of my passport countries. They don’t need to know that. They just need to see my passport. I disclosed my dual nationality to Canadian immigration when I moved. When you look at immigration forms, they ask if you’re a dual citizen. Canada’s the first country I have seen who does this! That makes me very happy that they are recognizing that a lot of people are dual citizens.

When I repatriated to the US, my Dad sat me down and had a serious talk with me about being careful who I tell that I’m a dual citizen when I’m in the US. Basically, if anyone asks me if I’m a US citizen while on US soil, I have to say yes. You’re considered a security risk if you’re a dual citizen in the US. Honestly, I find that completely disgusting and backwards! There are more TCKs in the world than ever before because of globalization and more people are getting dual nationality than before! Frankly, the US and other countries need to catch up!

Know Your Rights:

This is where it can really get ugly. Your rights can still be violated if you’re a citizen of a country that you are entering. My uncle re-entered the US after a trip to a country in South America that the US deemed a security risk. They threatened to do something that would have violated his rights as a US citizen. He said, “I’m a US citizen. You can’t do this to me!” It worked because my uncle knew his rights. If you don’t know your rights, it’s easier for border patrol to exploit you!

Here are two more tips I have. First, check if you can ask to speak to a lawyer at no extra cost to you before you leave. Certain countries are legally required to provide you with a lawyer at no extra cost upon request. Check if that applies to the country you’re entering. I only recently learned about this. I had problems entering Canada. My Dad said, later on, I should have asked to speak to a lawyer. Glad I know that for future reference!

My second tip is to find out their discrimination laws. If you can find a reason why they can’t discriminate against you, use it!

Other Stories:

After 9/11, border patrol and airport security in the US got even scarier. I vowed to myself that I would visit there as little as possible. This wasn’t something that would calm down after a few years either. There were a lot of personal stories going around of US border patrol and airport security being more abusive overall. Things only got slightly better because of people complaining about their experiences.

I have heard of UK citizens being stopped at the border if they are naturalized citizens and questioned about the legitimacy of their citizenship. That’s one reason why I am leery about entering the UK again. Additionally, I have heard stories of Canadians who are Muslim being stopped at the US border because of Trump’s Islamaphobic travel bans!

Take Care of Yourself Afterwards:

I’m serious. In my post, Flying Internationally and Locally During COVID-19, I describe how I was feeling after going through Border Control. My Mum and I had to make our flight to Calgary right after that! Adrenaline was pumping SO hard then! I thought I was either going to throw up or pass out! I had to use the flight to Calgary to recover from that ordeal. The airplane views were beautiful, so I watched out the window.

If I hadn’t had to catch a plane, I would have taken care of myself. First, I would have gone into the bathroom to come down from the massive panic attack I was having. Then, I would have drunk a lot of water and maybe had some food once I felt better.

My point is that your body is going to respond to the stress of going through border patrol. It’s important to do whatever you need to do to manage it.

Laugh About It:

At some point, I can’t take what happens too seriously. I also remember that these border officers are people too and sometimes, you can see their human side. Then, it’s almost comical when something is way too easy. Listen to this last comedy routine to find out why!

What do you think of my tips and stories? Do you agree? Disagree? Why or why not? Let me know in the comments!