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Digg it UP - Don't Be Fooled by a Low Salary Offer - The Cost of Living is Where It's At
What does FICA stand for?FICA stands for the Federal Insurance Contributions Act. The history of the act reverts back to the year 1935, when the government implemented the social security program. A provision to include social security taxes was included in this act. However, due to concerns over the constitutionality of the 1935 act, there were amendments made and the provision for collecting social security taxes w
* Make a list of the financial commitments you will need to meet while you are overseas. When you have shortlisted positions, check with the recruiter that the salary offered will enable you to meet them. Ensure you know the USD equivalent of the amount you need.
* Go online and check the price of rental properties in the area you will be living in. You will be able to assess whether the accommodation allowance will n
Low-income workers face tough obstacles. From a reluctance by Congress to raise the federal minimum wage above the level that was set a decade ago to the fact that four out of 10 low-income parents below between 100 and 200 percent of the poverty level don't receive any kind of paid time off (according to the Urban Institute), it's no wonder trickle-effect issues, including rising debt and home foreclosures, make more headlines
* salary
* medical insurance
* housing allowance
* annual flights
On the conditions side there is:
* class size
* facilities
* contact hours
* teaching days in a school year
Most of these factors can be taken at face value. However, if you like to travel and want your work to pay well as I do, you may be turning down lucrative positions if you take a salary offer at face value and don’t take the cost of living into account.
For example, when I moved to Poland in the late 90s I accepted a job that only paid 900USD a month. It doesn’t sound like much, does it? I can tell you, I lived well on my money. During that year I explored Poland, spent Easter in the Czech Republic, went skiing in Austria for two weeks, started a Masters through distance learning and saved a little as well.
How did I do this? Well, the cost of living was quite low in Poland compared to other countries in Europe. I regularly had two thirds of my salary left after I’d paid all my expenses for the month. As I said, it’s the cost of living that makes all the difference.
Some countries have a high cost of living and some don’t. I know that’s a clumsy statement, but consider this… If you were to rent an apartment in Tokyo it would cost you 673USD a month for around 20 m2. That’s small! In Bangkok you can rent a 44 m2 furnished apartment for 337USD a month. I hope you can see that this kind of information is as valuable to your decision-making process when accepting a job as the actual salary figure itself.
When you are evaluating whether a package is worthy of accepting you will be looking at several issues. You will probably want to avoid taking a pay cut, and here are some tips to help you with your decision making:
* Make a list of the financial commitments you will need to meet while you are overseas. When you have shortlisted positions, check with the recruiter that the salary offered will enable you to meet them. Ensure you know the USD equivalent of the amount you need.
* Go online and check the price of rental properties in the area you will be living in. You will be able to assess whether the accommodation allowance will ne
There are no two people alike in the world, so no two people have the same taste. Why is it then that the majority of homes have plain, white switchplates?Switchplates have been around since the days of indoor electricity. They cover an open area in a wall where a light switch is in place, making the area look neat as a pin as it covers the exposed wires, all while assisting in a hazard free area. The originals were q
For example, when I moved to Poland in the late 90s I accepted a job that only paid 900USD a month. It doesn’t sound like much, does it? I can tell you, I lived well on my money. During that year I explored Poland, spent Easter in the Czech Republic, went skiing in Austria for two weeks, started a Masters through distance learning and saved a little as well.
How did I do this? Well, the cost of living was quite low in Poland compared to other countries in Europe. I regularly had two thirds of my salary left after I’d paid all my expenses for the month. As I said, it’s the cost of living that makes all the difference.
Some countries have a high cost of living and some don’t. I know that’s a clumsy statement, but consider this… If you were to rent an apartment in Tokyo it would cost you 673USD a month for around 20 m2. That’s small! In Bangkok you can rent a 44 m2 furnished apartment for 337USD a month. I hope you can see that this kind of information is as valuable to your decision-making process when accepting a job as the actual salary figure itself.
When you are evaluating whether a package is worthy of accepting you will be looking at several issues. You will probably want to avoid taking a pay cut, and here are some tips to help you with your decision making:
* Make a list of the financial commitments you will need to meet while you are overseas. When you have shortlisted positions, check with the recruiter that the salary offered will enable you to meet them. Ensure you know the USD equivalent of the amount you need.
* Go online and check the price of rental properties in the area you will be living in. You will be able to assess whether the accommodation allowance will n
Water is big business? No, it is a huge business. The business of water and droughts is alive and well. Currently we see pipeline for water being build, retention basins, damns, Desalination Plants and water rights being bought up by billionaires. In my professional life, I was involved with the car washing industry and we always kept up on droughts, water restrictions and water supplies. I can remember not to long ago when Cal
How did I do this? Well, the cost of living was quite low in Poland compared to other countries in Europe. I regularly had two thirds of my salary left after I’d paid all my expenses for the month. As I said, it’s the cost of living that makes all the difference.
Some countries have a high cost of living and some don’t. I know that’s a clumsy statement, but consider this… If you were to rent an apartment in Tokyo it would cost you 673USD a month for around 20 m2. That’s small! In Bangkok you can rent a 44 m2 furnished apartment for 337USD a month. I hope you can see that this kind of information is as valuable to your decision-making process when accepting a job as the actual salary figure itself.
When you are evaluating whether a package is worthy of accepting you will be looking at several issues. You will probably want to avoid taking a pay cut, and here are some tips to help you with your decision making:
* Make a list of the financial commitments you will need to meet while you are overseas. When you have shortlisted positions, check with the recruiter that the salary offered will enable you to meet them. Ensure you know the USD equivalent of the amount you need.
* Go online and check the price of rental properties in the area you will be living in. You will be able to assess whether the accommodation allowance will n
As a marketing consultant and owner of a marketing firm, a big mistake I see businesses make is they do not take into consideration the value of repeat sales when they review if their advertising is profitable.When determining if your advertising is profitable, you need to look at advertising as a long-term investment, just like buying stocks, real estate, or mutual funds. When evaluating your advertising you need to tak
When you are evaluating whether a package is worthy of accepting you will be looking at several issues. You will probably want to avoid taking a pay cut, and here are some tips to help you with your decision making:
* Make a list of the financial commitments you will need to meet while you are overseas. When you have shortlisted positions, check with the recruiter that the salary offered will enable you to meet them. Ensure you know the USD equivalent of the amount you need.
* Go online and check the price of rental properties in the area you will be living in. You will be able to assess whether the accommodation allowance will n
At a time when gas exporting countries are considering the formation of an OPEC type gas producer’s cartel, EU President Barrosso has argued the case for a united European energy strategy in order to improve and maintain a more favourable bargaining position. In an interview with energy expert Jonathan Stern of Oxford University’s Institute of Energy Studies, he argues that such a strategy is necessary, but, doubts, given the v
* Make a list of the financial commitments you will need to meet while you are overseas. When you have shortlisted positions, check with the recruiter that the salary offered will enable you to meet them. Ensure you know the USD equivalent of the amount you need.
* Go online and check the price of rental properties in the area you will be living in. You will be able to assess whether the accommodation allowance will need supplementing from your salary.
* Check the “Big Mac” Index. The “Big Mac” Index is a surprisingly accurate comparison of cost of living which works on the principal that a McDonalds Big Mac should cost the same in every country. It is an excellent way to get a feel for the comparative cost of living in the country you are looking in which you are looking to work. You can access the Index here:
* If you are looking to travel while you are teaching abroad make a travel plan of the countries you want to explore and when you want to visit them. You can investigate how much this will cost and sort out a budget by using the internet.
There is much information to consider when you are making life-changing decisions such as signing a contract to teach overseas. Don’t sign anything until you are sure you have all the facts. I have included a list of questions to ask the recruiter at the interview in my book.
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