Got a new job overseas?

You've probably considered your most obvious needs already or you may work for a company that will help you to manage the move for you.

Education

Things like education. Is there a difference between your children's schooling back home and the new one? Will they be in the same year? How will their academic records transfer and can they easily adapt back into their old schooling without disruption. Or maybe you are considering boarding school?

Language

And how about language? Will your children need to have extra tuition to catch up - will they have to drop French and pick up Mandarin or vice versa?

Holidays

Holidays? Will you be on a UK school timetable or perhaps an Australian one? How will you manage annual leave or holidays?

Medical

You may even need to consider the medical aspects of the move. Historically many companies have picked up the costs of medical expenses for their staff's international move but lately there has been a trend towards individuals taking out their own medical insurance that may or may not be paid for by the company. It depends on your package.

Financial

And then there is the financial side of things.

What have you or your company organised as far as your finances are concerned? Will you still have assets (property, bank accounts, or investments) back in your home country? Will you have to do tax returns there as well as in the new country? And how will you minimise any tax that you may have to pay in either or both jurisdictions? Your company may not always be considering your best financial interests as their overall systems may be focussing on what suits their business, not yours. Remember, if your company is assisting you it may only help so far. It is up to you to do the legwork and ensure that your expat posting - or international move - gives you the maximum advantages possible.

Your future

Don't leave your financial future to chance! Check things out and get financial advice quickly.

HSBC Bank International is leading the way in providing specialist banking services for expatiates. They offer a full range of assistance to people living and working overseas.

They can help you by looking at your insurance coverage to make sure that you, your family and your assets at home and abroad are fully covered in the event of any unforeseen incidents. They can advise you on financial planning issues and help you to ensure that your future is well provided for by ensuring that you have the necessary issues covered. They can help by establishing new accounts for you before you leave and ensuring that those assets that you have are well protected in offshore bank accounts. And they can provide access to financial advisers who may be able to help with the tax planning aspects of your move.

Global presence

Is your bank available to you, wherever you are located?

Because of HSBC Group's global presence having over 9,800 offices in 77 countries and territories, they are easily accessible throughout the world should you be travelling or moving on again soon.

The website of HSBC Bank International - the part of the Group that are specialists in providing financial services for people living and working abroad - contains a great range of useful tools and calculators which may give you food for thought and help you plan your move that much better.

Find them at www.offshore.hsbc.com.

They have created a number of international guides on different countries across the globe with questions and answers on subjects as diverse as local customs, taxation systems and banking hours.