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here are a few key points to consider when signing a contract. Fortunately most expatriates have

been on the circuit long enough to know them, but for those who have recently become expatriates

or for many of us who would like a gentle reminder, here are some of the more pertinent points.

Employment Terms

Accommodation

Healthcare

Transport

Single/Married Status

Leave & Holiday Entit lement

Working Off shore

Relocation

Salaries

Local Taxes & Cost of Living

Escape Clause

Signing the Contract

Employment Terms

Ensure that your terms of employment are clear and agreed in writing, with particular emphasis on thefollowing:

- Job Description- Hours of work- Place of work- Bonus entitlement- Overtime

As an expatriate it is not unusual to be working a 90-hour week. However, it is often the case that paid

overtime offered casua lly at interview, is often unpaid or non-existent

Accommodation

You may be offered 'suitable' accommodation, but by whose standards? It may be single or sharedaccommodation, an apartment or house on a compound. Find out if it is rent-free or subsidised and ifutilities,local taxes, insurance are included.

If you have to find your own accommodation, you may also have a hefty deposit to find. Worse still, insome countries you have to pay rent at least 12 months in advance. If the accommodation is unfurnishedyou will also need to consider the cost of moving furniture abroad or perhaps buying furniture andappliances when you are in situ - who will pay for this?

Think also about the possibility of having to break your contract in an emergency situation - the depositand rent advance may not be refundable.

Healthcare

Is medical insurance being provided by your prospective employer? Are you also covered outside workinghours and on leave? Can it be extended to include your family if they are with you? Check your salarystatus in the event of illness or accident - you may be laid off for months. Does your employer providesick pay and for what period? What is the s ituation in the country you are living in is any healthcareavailable, or is medical insurance essential?

EN strongly recommends that expatriates arrange their own medical insurance (if not be ing provided by

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the employer) and seriously consider adding 'income protection' cover.

Transport

Some form of transport is usually provided. This could mean a chauffeur driven saloon, a four-wheel driveor a shared/pooled vehicle. It may just be a travel allowance. Your transport may be limited to the hoursyou actually work, and not available to you out of working hours. Check the insurance arrangements indetail and ensure you are fully covered to drive the vehicle at all times. If your family is with you, checkwhether they are covered to drive the car. Finally, check that you have the necessary driving license for

the country, or whether you need to get extra documentation.

Single/Married Status

If you are considering married status, find out if the country is suitable for a family. Will yourwife/husband be able to work too? Will your family be able to adapt to the local climate and customs,which can sometimes be prohibitive? What education facilities are there for your children? (This can bevery expensive overseas, so you need to know the costs before you decide whether your contract isgoing to be financially viable).

If you are offered single status w ith the assurance that your family can join you later, ensure that youget this written into your contract.

Leave & Holiday Entitlement

How many days leave will you get per year and are they paid? Does your contract state that all flightsare included, both outward and return? Are all family flights covered? Are there any limits to the numberof flights taken for holiday purposes in a given year? What are local public holidays? W ill you get paidleave for these days? Are there any requirements to take holidays at certain times of year?

Working Offshore

The tempting 28 days on/28 days off contract may actually mean that you are only reimbursed for the 28days actually worked.

Relocation

Who pays for shipping your furniture and belongings, including the trip home and storage costs? If thecompany pays for relocation at the end of the contract, is this dependent on completion of the contract,or does it include early termination? If so, do the circumstances of termination affect who pays for therelocation? Who insures the items against damage or loss? Who w ill be respons ible for any furtherrelocations during the currency of the contract? Will you receive a disturbance allowance?

Salaries

If asked what salary you want, always ask the prospective employer to give you an indication of thegoing rate. They are in the business of employing people so they are in a good position to advise you.

A prospective employer will rarely offer the maximum salary. All employers have a budget range - upperlevel is usually as much as 50% higher than the lower level. In some companies that range is higherdepending on the demand and market conditions.

In what currency are you being paid? Sterling or US dollars to an offshore bank account could we ll beyour best option. If you are paid in local currency and it is devalued you may be severely out of pocket,which could affect your financial commitments back home. If it is pa id in local currency by reference to adifferent currency (eg dollars / sterling) check the rate of exchange, and whether that is fixed of variable.If it is variable, bear in mind that the variation may work for or against you.

Check any salary comparisons you can find, including the Expat Network Salary Survey. Click Here. Some

http://www.expatnetwork.com/Jobs/Salary-Survey/Index.cfm

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countries pay significantly higher salaries but also have a higher cost of living.

Never enter into agreements whereby the employer states he will not declare taxes. You can enter into atax-free agreement but if you do, ensure that the agreement clearly states net of tax in theremuneration clause. Therefore, if the employer changes their mind, any tax owed is their responsibility.They will have to adjust your remuneration accordingly or pay the tax for you.

Local Taxes & Cost of Living

Does the country require you to pay local taxes or does it have a reciprocal agreement w ith your countryof residence? If you are UK tax resident, you will pay UK tax on anything earned overseas, and be eligiblefor UK tax allowances. If you a re taxed overseas, HMRC may give you credit for this. Form P85 is the formrequired to let HMRC know a worker will be leaving country to work overseas.

Are there any other deductions to be made from your salary? This may include loans for relocationpurposes if you are to bear the cost.

Find out the costs of essential everyday goods like petrol, food, parking, entertainment and utilities.Knowing this kind of information will help you weigh up the rea l value of the salary package

Escape Clause

If you are on a short-term contract, there may not be a legal option to terminate. One or two yearcontracts usually require at least 28-days notice, and you may also have to bear the cost of repatriation.What will happen to your money in this event - especially the bonuses? Is there a requirement to be inemployment (and not under notice given or received) at the time the bonus is calculated, or are youeligible for it on a month to month basis?

Signing the Contract

Only sign on the dotted line if you are 100% happy with the terms and conditions on offer and haveensured that any verbal amendments have been written into the contract. Consider taking legal advice.

Bon Voyage...