Expat newsletter banner - Clements International

|||| Vol. III Issue 2

FEATURE ARTICLE
Oh, the Places We’ll Go – The Lives of Expat Spouses

EXPATRIATE INTERVIEW
Anders Blak, Kjaer & Kjaer

PARTNER SPOTLIGHT
Robin Pascoe, Expat Expert

PRODUCT SPOTLIGHT
International Auto Coverage

CLEMENTS INSIGHT
In Memory of Robert S. Clements

ON A GOOD NOTE
A word from our clients


|||| Feature Article

Oh, the Places We’ll Go – The Lives of Expat Spouses
By Emilie Udell

Your spouse is successful. Obviously, you know that or you would have never said, “I do.” But when your spouse is offered a career opportunity to relocate to a new country, you may be wishing you could say, “I don’t.” The transition you face is certainly life altering, since you will have to give up your job, the routine you are used to, and add a few thousand miles between you and your family and friends. These changes can be difficult to cope with, and the last place you may think to look for advice is on your kid’s bookshelf.

Oh, the Places You'll Go! Book Cover

During his life, Dr. Seuss wrote and illustrated 44 books, all with his signature rhyming technique. His last book, “Oh the Places You’ll Go” was published in 1990 with a message behind it that transcends all ages, and is quite relevant to anyone who is moving to a new country. The story talks about the loneliness and sense of bewilderment associated with living in new places - similar sentiments are often expressed by expat spouses. Dr. Seuss assures the readers they will triumph over these feelings. Here are a few words of advice for expat spouses, as well as a few words of encouragement from Dr. Seuss.

 “You’ll get so confused that you’ll start in to race
Down long wiggled roads at a break-necking pace
and grind on for miles across weirdish wild space,
headed, I fear, toward a most useless place.”

Pressure from your family and friends can make it feel like you should be immediately happy and content in your new country, living the glamorous life as an expat spouse, but the truth is everyone experiences culture shock. For some, it may only take a few weeks to become familiarized with their surroundings and start unpacking, but for most, it can take several months. Take as much time as you need settling in. Unpack things and begin exploring your new location as you start to feel more comfortable, one day at a time.

“You will come to a place where the streets are not marked.
Some windows are lighted. But mostly they’re darked.
A place you could sprain both your elbow and chin!
Do you dare to stay out? Do you dare to stay in?
How much can you lose? How much can you win?”

Start to learn more about your area and its culture by setting goals for yourself and take pride in achieving small feats. You probably never thought twice about going to the post office to purchase stamps in your home country, but in a new place, this is an accomplishment worth celebrating. Give yourself a small task each day, and work towards completing it. Next Monday, you will figure out how to drive to your children’s school. On Wednesday, you will learn five new conversational phrases in the country’s language, and use them when you go visit the market on Saturday.

“You won’t lag behind, because you’ll have the speed.
You’ll pass the whole gang and you’ll soon take the lead.
Wherever you fly, you’ll be the best of the best.
Wherever you go, you will top all the rest.”

If you left a job in your home country, you probably are not used to the amount of free time that comes with unemployment in your new country. Depending on local visa restrictions, it can be difficult to get a job. Volunteering is great way to share your skills and time, as well as make new friends, and occasionally, volunteering can lead to full-time employment. Many countries also offer programs for native English speakers to teach their language to local citizens. Transitionsabroad.com has a wealth of information on job and volunteer opportunities, and it’s also searchable by country.

“Oh, the places you’ll go! There is fun to be done!
There are points to be scored, there are games to be won.”

Even though you may feel alone, thousands of spouses worldwide are going through the same emotions and new experiences as you. Thankfully, there are many organizations and social clubs founded by expats for expats to help you cope with the change and make new friends in your area. One of the most popular organizations is the Federation of American Women’s Clubs Overseas, which has over 70 local chapters in 35 countries. Clubs also exists for almost any type of expat spouse, whether you are a wife, husband, or a life partner. Finding an expat club near you can be as simple as doing some internet research.

Although they would be his last published words, Dr. Seuss’s final rhyme sends a word of encouragement to those with a new place to go:

“You’re off to Great Places!
Today is your day!
Your mountain is waiting.
So get on your way!”

Still looking for advice? Check out our partner spotlight on Robin Pascoe, the Expat Expert.


Click here to return to the table of contents.


 

|||| Expatriate Interview

Anders Blak- Kjaer Group

Expatriate  Question & Answer

Name:  Anders Blak

Nationality:  Danish

Current Residence:  United States of America

Occupation:   Account Professional, Kjaer Group

 

Where do you currently reside? How many years have you lived there?
I am currently living in Washington, DC, and have been since October 2003. 

How many years have you lived away from your home country?
I have lived abroad for approximately six years.  I can't believe how fast time flies.

What other countries have you lived in?
I have lived in Germany, and I also spent an exciting year in Afghanistan.  Afghanistan was a great opportunity to learn about a culture very different from my own.  It was very interesting and a great experience, but I probably wouldn’t do it again.

How do you stay in touch with other expatriates?
In order for me to integrate myself into each new culture, I try my best to explore local communities rather than gravitating towards the Danish expatriate community.  Washington D.C. is filled with expatriates from around the world.

What helped you decide to work and move abroad?
I always had an interest to work and live in a different culture and I welcomed the opportunity. 

What do you like most and least about living abroad?
The best part is working and living in different cultures. I get a broader view of life, and meet many new people.  Being away from friends and family is the worst.  I return to Denmark twice a year to visit them. 


Kjaer Group Headquarters
Kjaer & Kjaer Headquarters in Denmark

What was the biggest adjustment you had to make?
Visiting my friends and family in Denmark so infrequently was a difficult adjustment.

What advice would you give someone who is moving abroad?
Be open and positive.  Be patient in adjusting.  Learn, understand, and respect the culture.

Where would you like to go next?
I like it in the US and New Zealand, but I would be open to any place…almost…

For more information on Kjaer & Kjaer and the Kjaer Group, visit www.kjaer.com.

Click here to return to the table of contents.


|||| Partner Profile

Robin Pascoe- Expat Expert  

The Expat Expert- Robin Pascoe

As the wife of a former Canadian diplomat, Robin Pascoe is quite familiar with the unique lifestyle of expatriates. She left her career as a journalist and her home in Vancouver to follow her husband to each of his postings, including Bangkok, Taipei, Beijing, and Seoul. She also faced the challenge of raising two children in a life where no home was permanent.

Today, she shares her experience with the expatriate community through her insightful books, contributions to expat publications, and frequent speaking engagements. She has authored five books on issues such as keeping your marriage strong during an assignment and preparing for life after repatriating. Her most recent book, “Raising Global Nomads: Parenting Abroad in an On-Demand World,” was released in September 2006. All books are available on Amazon.com.

Additionally, she often presents at expatriate conferences, and is known for her sharp wit and sage advice on life abroad. She also manages the popular website, www.expatexpert.com, which serves as a meeting place, discussion group, and source of advice and information for thousands of expats worldwide.

For more information on Robin Pascoe, The Expat Expert, please visit her website www.expatexpert.com.

Clements International is proud to sponsor Robin Pascoe in her endeavors.

Click here to return to the table of contents.

 


|||| Product Spotlight

International Auto Insurance

From going to your favorite coffee shop for your morning brew to picking your kids up from school, your schedule is packed.  You need your car to take you everywhere, and with that, you need an insurance plan you can trust to keep you on the road.  Clements International offers Comprehensive, Collision and Theft, Primary Auto Liability (Third Party) and Excess Liability coverage, all conveniently packaged in one program.  Choose the plan that’s right for you, whether it be WorldAuto, designed for government professionals abroad, or AutoElite for individuals on a corporate assignment.   Additionally, an auto policy with Clements includes the following features:

  • Transit Coverage
  • Hired and Non-Owned Automobiles
  • Terrorism Coverage
  • Rental Insurance Reimbursement Expense

Call Clements International today at (202) 872-0060 to speak with a dedicated account representative about a plan that is right for you, or visit our website at clements.com for an instant quote.


Ten Road Safety Principles
Contributed by Kjaer Group
  1. DRIVE RESPONSIBLY
  2. DO NOT DRINK AND DRIVE
  3. ENSURE VISIBILITY AS A PEDESTRIAN
  4. FOLLOW AT A SAFE DISTANCE
  5. KEEP VEHICLES IN ROADWORTHY CONDITION
  6. OBEY TRAFFIC LIGHTS
  7. OBEY SPEED LIMITS
  8. OVERTAKE WITH CARE
  9. USE MOBILE PHONE RESPONSIBLY
  10. WEAR A SEATBELT

For more information on Kjaer & Kjaer and the Kjaer Group, visit www.kjaer.com.


Click here to return to the table of contents.

 

 |||| Did you Know?

In Memory of Robert S. Clements

Robert Clements

Clements International regrets to announce the passing of co-founder Robert S. Clements.  Robert, a lawyer and insurance executive, will be remembered as a pioneer in the field of global insurance.  

In 1947, Robert noticed a growing need for international insurance for Americans and Canadians working and living abroad.  Along with co-founder M. Juanita Guess, Robert used his entrepreneurial drive and innovation to challenge the industry and create the first global insurance agency.  His ideas and culture set the foundation for the company’s continued success today. 
Robert is survived by his two children, Jon Clements, Chairman, and Patience Clements, member of the Board of Directors. 

“'Mr. Clements was a vanguard.” said Tony Palumbo, President and Chief Operating Officer. “His creativity and forethought led to the creation of international insurance plans, which continue to provide coverage to expatriates in over 170 countries.”


Clements International President hosts Cultural Event

Clements International President Tony Palumbo recently met with 25 insurance brokers visiting from Japan to discuss the differences between the Japanese and American insurance industries. The brokers are members of the Independent Insurance Agents & Brokers of Japan. They were visiting D.C. as delegates at the Independent Insurance Agents & Brokers of America’s (the Big “I”) National Legislative Conference.

 

On April 25, the group visited Clements International’s headquarters, and heard a presentation by Mr. Palumbo on Clements’ suite of products and a detailed view of the company’s innovative operations. The group then engaged in a question-and-answer session where they spoke to the differences in culture and insurance industries between the two countries. Translation services were provided by Sue Noda of SGN Pacific Insurance Brokerage, and Global LT.

“We always welcome opportunities to discuss how different cultures and marketplaces affect the international insurance industry," said Tony Palumbo, President and COO for Clements International.

 



Click here to return to the table of contents.

 

   |||| On a good note...

Here is what our clients have to say...

Dear Clements,

"I would also like to thank you for all excellent customer service I have received from you. I am happy to recommend your company to all my colleagues who may move abroad in the future."

Very Respectfully Submitted,
Foreign Service Officer
American Embassy, Finland


Dear Clements,

"
Thank you so much for your kind assistance. You were very helpful, and you are very kind to send me this copy of my policy. It is people like you who make it such a pleasure to deal with Clements!"

Best Regards,
Foreign Service Member
Singapore, Thailand



Click here to return to the table of contents.