World’s Most Expensive Cities for Expats
By Mark Johanson
Where is the world’s most-expensive city for expatriates? It’s not notoriously pricey Tokyo. It’s not wallet-shrinking Sydney, Moscow or Oslo. And it’s definitely not surprisingly cheap New York City. Rather, it’s an African seaport you’ve probably never heard of: Luanda, Angola.
This finding from U.S. consulting firm Mercer underscores its annual survey’s purpose: to assess the cost of living around the world so that multinational companies and governments can determine appropriate compensation allowances for their expatriate employees. After all, more than half of oil-rich Luanda’s 5 million residents live below the poverty line.
“Despite being one of Africa’s major oil producers, Angola is a relatively poor country, yet expensive for expatriates since imported goods can be costly,” Barb Marder, senior partner and Mercer’s global mobility practice leader, said. “In addition, finding secure living accommodations that meet the standards of expatriates can be challenging and quite costly.”
Mercer noted in the survey that the difference in cost of various everyday items could be dramatic from country to country. The average cup of coffee, for example, costs about $1.54 in Managua, Nicaragua, while it costs $8.29 in Moscow. A fast-food hamburger meal in Kolkata, India, costs $3.62, compared to $13.49 in Caracas, Venezuela. A ticket to the cinema, meanwhile, can run between $5.91 in Johannesburg and up to $20.10 in London.
Cost of accommodation was another major factor Mercer looked at, and a one-month unfurnished luxury rental in Hong Kong topped the world at about $7,092 — more than 20 times as much as in Karachi, Pakistan. Yet, it was Moscow that crept in just below Luanda as the second-most expensive city for expats, followed by Tokyo, Chad’s capital city of N’djamena, and Singapore.
“Recent world events, including economic and political upheavals, which resulted in currency fluctuations, cost inflation for goods and services, and volatility in accommodation prices have impacted these cities making them expensive,” Marder explained.
Mercer assessed a total of 214 cities across five continents for its 2013 survey, analyzing data from March 2012 to March 2013. Cities were then ranked by the price of housing, transport, food, entertainment and clothing, and ordered on the joint cost of 200 items compared to the benchmark, New York City.
“Given the increasing numbers of business travelers, global ‘commuters’ and longer-term expatriates, companies are keeping a close eye on the cost of living for international assignees in different cities around the world,” Marder said, explaining the purpose of the study. “Organizations need to evaluate the impact of currency fluctuations, inflation, and political instability when sending employees on overseas assignments while ensuring they can facilitate the moves they need to drive the business results by offering fair and competitive compensation packages.”
Nathalie Constantin-Métral, principal at Mercer with responsibility for compiling the survey ranking, said that, overall, cost of living went up across parts of Europe, while it went down in much of Asia. Japan dropped significantly from last year due to a weakening of the yen against the U.S. dollar.
In the Americas, meanwhile, South American cities were the most expensive for expatriates, while Canadian cities moved down in rankings due to a slight decrease of the Canadian dollar against the U.S. dollar. New York remained the most-expensive urban center in the U.S.
“Overall, U.S. cities either remained stable in the ranking or have slightly decreased due to the movement of the U.S. dollar against the majority of currencies worldwide,” Constantin-Métral said. “Yet several cities, including New York, moved up in the ranking due to a rise in the rental accommodation market.”
You Are Not My Friend
I Have a pet peeve. I may have even ranted about this before, but it makes my blood boil.
From time to time, I will get a call from a person working at a financial institution. Or it may be a message on my machine, saying I need to call them about an account. They start out all collegial and friendly, then they want to give me financial advice.
Excuse me? You “noticed” we have money sitting in X account that could be working harder? Mind your own business! If you are going to take a percentage for rolling my money from X to Y, if you are going to take a fee for this service – then this is not friendly advice. Don’t pretend to be my friend.
AdventureMan laughed out loud once when I told the man to annotate our file NEVER to call with financial advice, that I still have all my marbles and I know what I am doing. Every now and then if he wants to make me laugh, he will fake this high voice and say “I still have all my marbles!” It never fails to crack me up; I don’t get angry often, but when I do, I say the most amazingly hilarious things.
I think what makes me outraged is that I still DO have my marbles, and AdventureMan and I have worked hard to make sound financial decisions. We decided long ago that no one cares about our money the way we do, and that we would make our own decisions. We ask for input – we get answers online, we read reviews and analyses, we ask questions of friends we respect. We make informed decisions. One of the secrets to growing investment money and holding on to it is to choose wisely and to minimize trading.
Most of these calls take advantage of people feeling inadequate when it comes to money management, especially the elderly and lonely. They make it seem like the target has a new and caring friend, a knowledgeable friend, who only wants to help. The new friend builds trust, until the target invests in the recommended product, and then . . . huh – they don’t hear from their new friend again, or not for a long while, when the friend has another idea for their money.
You are not my friend. I don’t want your great new ideas about where I should move my money; I understand that this is your job and that there is something in this for you. What you are talking about is an opportunity – it’s like cotton candy, all puffy and pretty but full of air. I know you wouldn’t be calling me if there were not something in this for you. Don’t call me. You are not my friend.
🙂 And I still have all my marbles 🙂
Rape Victim Spends Seven Months in Jail, Framed by her Rapist
This is from the New York Times City Blog:
Man Is Sentenced for Raping Ex-Girlfriend and Then Framing Her
By DAN BILEFSKY
Updated 5:42 p.m. | The Queens private detective who raped his ex-girlfriend and then framed her for a series of fictional crimeswas sentenced to the maximum of 32 years in prison on Wednesday, bringing to a close one of the most bizarre cases to grace a courtroom.
Using knowledge he acquired partly from watching crime dramas like “C.S.I.,” the private detective, Jerry Ramrattan, 39, orchestrated what prosecutors in Queens called one of the most elaborate frame-ups in recent history.
Mr. Ramrattan’s ex-girlfriend, Seemona Sumasar, 36, had accused him of raping her. After she refused to drop the rape charges, he concocted a schemethat landed her in jail for seven months, making it seem as though Ms. Sumasar was the likely perpetrator of a series of brazen armed robberies, for which she was accused of impersonating a police officer.
At his trial in State Supreme Court in Queens, prosecutors produced evidence that Mr. Ramrattan cajoled and extorted witnesses to falsely testify that she had robbed them. He even staged fake crime scenes, prosecutors said, in which he planted evidence, handcuffing one of Ms. Sumasar’s supposed victims to a pole and planting several bullets at the scene of one of the imaginary crimes.
Before Mr. Ramrattan was sentenced on Wednesday, Ms. Sumasar delivered a stinging victim impact statement, noting that he showed no remorse and was so intent on revenge that he would have stopped at nothing to destroy her. “I don’t have words for you,” she said as as he stared ahead, stone-faced, while she spoke. “You are pure evil. You are a sociopath. You need help.”
“Someone needs to put a stop to your madness,” she added.
During her seven months in jail, awaiting a robbery trial, Ms. Sumasar, a former Morgan Stanley analyst, was separated from her young daughter. She lost her business, and her house went into foreclosure. Her bail was set at $1 million, which she could not afford. Mr. Ramrattan, meanwhile, was free until an informant came forward in late 2010 and exposed his plot.
Mr. Ramrattan was convicted in November of a series of charges, including rape, conspiracy and perjury. The nearly monthlong trial offered two opposing plot lines that were seemingly irreconcilable. Prosecutors portrayed Ms. Sumasar as a single mother duped by a wily confidence man intent on malicious vengeance. But the defense characterized her as a dejected lover who had turned on Mr. Ramrattan after he said he was leaving her to return to his wife and family.
Members of the jury said the guilty verdict was predicated on their acceptance of Ms. Sumasar’s account of being bound with duct tape and viciously raped by Mr. Ramrattan, which apparently gave him a motive to create his ruse.
In his plea for leniency, Mr. Ramrattan insisted that he was innocent, saying that he had spent years helping the police solve cases as an informant. “I stand before you with no choice but to accept what is going to happen,” he said. “Think about all the cases I made over the years, the rape victims I assisted. I maintain my innocence.”
Before he was escorted away by police, he added: “There is more to come.” As he spoke, his mother, Shirley Ramrattan, began wailing and was escorted from the courtroom.
His lawyer, Frank Kelly, told the judge that Mr. Ramrattan was not the “monster” he had been made out to be.
But Justice Richard Buchter said Mr. Ramrattan deserved no mercy, calling him a “diabolical conniver and sinister manipulator” who had “shamelessly exploited the criminal justice system.”
The Queens district attorney’s office and the Nassau County district attorney’s office had insisted on Ms. Sumasar’s guilt up until she was freed just weeks before her own robbery trial was set to begin. Ms. Sumasar filed a civil suit in December against the New York City Police Department and the Nassau County Police Department for negligence leading to her wrongful imprisonment..
Justice Buchter railed against the Nassau County police, who had wrongly imprisoned Ms. Sumasar, saying that it did not take “a Sherlock Holmes” to deduce that a 5-foot-2 former Wall Street analyst with no criminal record would not have held people up at gunpoint.
He chastised the police for their egregious handling of the case, saying detectives had “turned a blind eye” to Ms. Sumasar’s protestations that she was innocent and had too easily been taken in by Mr. Ramrattan.
“The police were duped by liars by whom they had a right to be suspicious, and as a result a rape victim was framed by her rapist,” the judge said. “She was victimized by the rapist and then again by the criminal justice system.”
He added: “The defendant is the architect of his own ruin. He deserves no mercy from me, and he won’t get any.”
Pacific Northwest Natives Have DNA Link 5,000 years
Don’t you love technology? It’s like working on a complex puzzle, and all of a sudden seeing how disparate pieces relate 🙂 This is a fascinating discovery from AOL/Huffpost:
Ancient DNA Linked To Living Descendants In Genetic Study
The Huffington Post | By Macrina Cooper-White Posted: 07/09/2013 2:24 pm EDT | Updated: 07/09/2013 9:12 pm EDT
What if you could trace your ancestry back to around 5,000 years ago? Researchers were able to do just that in a fascinating new DNA study, which found adirect genetic link between the ancient remains of Native Americans and their living relatives.
“It’s very exciting to be able to have scientific proof that corroborates what our ancestors have been telling us for generations,” study co-author and participant Joycelynn Mitchell said in a written statement. “It’s very amazing how fast technology is moving to be able to prove this kind of link with our past.”
In the study, U.S. and Canadian researchers used mitochondrial genome (mitogenome) sequencing to analyze DNA inherited exclusively through mothers. Looking at the mitogenome is cheap, easier to sequence than nuclear DNA, and skirts around the problem that European men mixed with Native American women.
The researchers collected DNA from 60 living indigenous people belonging to the Tsimshian, Haida and Nisga’a tribes in the northern coast of British Columbia. The tribes’ oral histories and archaeological sites indicate they have lived in the region for generations, which made them good candidates for tracing their lineage back so many years.
Complete mitogenomes were extracted from the remains of four Mid-Holocene individuals found in British Columbia’s Lucy Islands and Dodge Island, and then that information was compared to the DNA of the study participants.
What was found? The research team discovered one of the living individuals carried this same “mitogenomic signature” as a young adult female who lived on Dodge Island 2,500 years ago — which also matched the mitogenome of the remains of a woman who lived in the Lucy Islands 5,500 years ago. Wow.
Three other living participants had mitogenomes that linked back to the remains of another individual found on Dodge Island, who may have lived around 5,000 years ago.
“This is the beginning of the golden era for ancient DNA research because we can do so much now that we couldn’t do a few years ago because of advances in sequencing technologies,” study co-author Dr. Ripan Malhi, an anthropology professor at the University of Illinois and Institute for Genomic Biology professor, said in a written statement. “We’re just starting to get an idea of the mitogenomic diversity in the Americas, in the living individuals as well as the ancient individuals.”
The new study was published online on June 3, 2013 in the journal PLoSONE.
World War Z
I talked AdventureMan into going to see World War Z with me – us and half of Pensacola showed up for the early matinee, and we got the last two seats. I had thought it’s been out for a while and people would be going to see something else, but all the theaters showing it in Pensacola are selling out every show. That doesn’t mean every seat was already filled – a lot of people had bought tickets online but weren’t there. On the other hand, while we got two good seats – they were – LOL – at opposite ends of the row!
World War Z is not a movie where you want to be sitting on opposite ends of the row.
World War Z is Contagion on steroids.
Did you ever see Romero’s 1968 Night of the Living Dead? I used to love scary movies, until I saw that movie. The scary movies were funny, not so scary at all – and George Romero changed all that with this low-budget horror classic. I think I liked it because it had a scientific kind of origin – a virus.
World War Z takes a similar approach, a scientific approach, and it is also very scary because it is hard, very hard, to be scientific and observant when your entire world becomes unsafe, when everything you known has turned to chaos. The zombies aren’t so damaged and tattered as Romero’s zombies, but they have the same herd mentality, a frenzied mob mentality, and an Alien-like skittering and swarming that makes my skin crawl.
I love seeing Brad Pitt as a responsible family man. He does it well. He has to make some very tough decisions in this movie, and you get to see that this sweet family man has another, tougher side.
AdventureMan was glad we went; he also thinks this will be a great computer game. We agreed it was scary because it had some things in it that truly can make life dangerous – you know, political leaders dying en masse, political and social systems dissolving and life becoming a brute struggle for survival with scarce resources . . . having swarming zombies kicks all that up a notch.
Not a movie for anyone under five. Maybe not even ten, if the kids are sensitive, or prone to bad dreams . . .
Our son said we need to read the book; it’s only sort-of like the movie, and has a lot of very edgy things to say about our current political system and leaders. Hmmmm. . . might have to do that.
Jeannette Walls and The Silver Star and Negligent Mothers
The first time I read anything by Jeannette Walls, I had not read her autobiographical best-seller, The Glass Castle. If I had, when I read the opening pages of one of my all-time-favorite books, Half Broke Horses , three young children out checking on the cows in America of the mid-1800’s, I would have said “Oh, yes, this is Jeannette Walls” instead of being so shocked that these three children were so far from home with a storm approaching. Not only does the storm approach – the oldest sister pushes her younger sister and brother up a tree and they are stuck there through a violent storm all night. No adult comes looking for them.
“Where is their mother?” in shock I thought, “a mother with three children out in the storm goes looking for them!”
Not if you are a Jeannette Walls mother. To ‘get’ Jeannette Walls, you really have to start with The Glass Castle, and learn about how she and her siblings are at the mercy of an alcoholic mother and father, both big liars, maybe with some attendant mental problems. Half Broke Horses is fiction, based on her own grandmother, who, at 15 rides 28 days across Indian territory to teach at a far-away school (What mother lets her 15 year old DAUGHTER ride for a month across dangerous country ALONE??)
I was on the send-as-soon-as-it’s-published list for Silver Star. And even once it arrived, I waited until I knew I might have a few free hours in the evening to read it – once you start Jeannette Walls, you can’t put it down. Her heroines in this novel are 15 year old Liz and 12 year old Bean (Jean) whose mother ran away from her hometown in Virginia to pursue a career in music. The mother has a small inheritance to sustain them; when life sours, as it often does for her, she packs the girls into her worn Dodge Dart and takes off. She isn’t always good about paying her bills. She talks to her girls about what a great team they are, and then takes off for a day or two, usually with some man, leaving them to eat chicken pot pies. Then, she abandons them with no sign of when she will be back.
The girls are pistols. They are survivors, much like Jeannette Walls grandmother in Half Broke Horses. When social services start coming around asking where their mother is, they take off headed for their Mom’s old home town, across the continent, in Virginia.
The heart of the story finds the girls living in the old family mansion, scouting for odd jobs, learning more about themselves and their heritage, and learning how a small community can smother, judge and support their community members in unexpected ways.
If you are a negligent, man-oriented, self-absorbed mother, you don’t want to have a writer for a daughter. Jeannette Walls is having a ball; her books are both sad and hilarious, and she has utter scorn for mothers who do not take the reins of motherhood and behave like grown-ups.
Language of Flowers by Vanessa Diffenbaugh
I didn’t expect to like this book as much as I did; from the first chapter I was hooked, so hooked I didn’t want to go to water aerobics of go to sleep until I had finished it. The title sounds girly and romantic, big yawn, but the book is anything but. The book is tough, and edgy, and tackles the foster care system without using sexual assault or out-of-the-ordinarily-cruel foster parents to bludgeon the point. She botches her one great chance at happiness when she sabotages her adoption by Elizabeth, who loves her dearly. The system can even be caring, but the effect of warehousing unwanted and neglected children damages their ability to trust, and to form relationships. We watch her as a child, self-destructive, angry, undermining her own chances of happiness.
Victoria even has a girly name to go with the title, but she is tough, and self-reliant, and very, very vulnerable, in spite of her toughness. Aging out of the system, she emerges a waif, with a hunger that stems more from emotional needs than physical.
She is greatly blessed to cross paths with people who look at her and truly see her, see her possibilities and her vulnerabilities, people who are willing to work with her, even to love her patiently, in spite of her prickliness and tendency to push people away. One of these is a florist, Renate, who recognizes in Victoria a gift for floral arrangement and is willing to work around her eccentricities. She gives Victoria a part-time job, in which Victoria flourishes.
In her emotional life, however, Victoria still has a lot of unresolved issues, stemming back to the very beginning when she was given up by a mother who, for whatever reason, didn’t want her. While she is hungry for love, she fears it as much as she wants it. Relationships overwhelm her. She abandons the love of her life, and then has to live with the consequences.
Watching her resolve her issues is cliff-hanging. You can’t stop reading. It’s not like watching a train-wreck; you know this girl has inner resources she has not yet tapped; you can read it in the loving evaluation of those who surround her. Every page of the way you are rooting for her to succeed.
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