Jobs in Calgary

“Getting Started for a Cold Call”

There’s a little Girl Scout on the street carrying boxes of different flavored cookies, timidly trying to knock on her neighbors’ doors worried that somehow she’ll be booed out and that doors would just slam shut on her face after offering her cookies for just a few cents? Such a pitiful sight eh?

But imagine what this little girl could  be feeling even before approaching doors.  Will they know that she is on official business and would just be selling cookies for the good of humanity?  Will she be able to speak her rehearsed cookie scripts?  Will she make her first order?

Little that we know that a lot of grown ups, even professional salesmen, experience anxiety the idea of making their own cold call.  Itís so normal to feel butterflies hitting big time up and down your belly, that just thinking of making the call (whether personal or business) would even want to make you throw up.

But, let me give you the exact explanation of what a cold call means.  A cold call is a personal call, it can be a visit or phone call to someone you know a little or someone whom you really don’t know.  The main reason for the call is that you are selling something for personal or official business.

Others think that a cold call is only being made to total strangers, taken from phonebooks or referrals from other persons.  On the contrary, this cold call can be made to someone you already know or to a prospect you’re already familiar with.  It can be someone you met last month at a party or maybe a friend introduced him to you before and you found him to be a good prospect to sell the product.  But still, contacting someone you know breaks the ice for a moment.  Try to narrow your prospects at first where you feel comfortable, once you’ve mastered the technique that’s the time you can move on to a more challenging prospects you never even thought of approaching.

The ordeal that you have to go through first is making that personal, meaning one on one, physical appearance or telepresence.  This can make you so tense that you feel like quitting everything.  There are even cold calls that make you feel like you will disappear in a heartbeat.

Even professionals like doctors, lawyers and professors feel the same, which is why they depend on friends or clients’ referrals for fear of losing their dignity and good name after making an unsuccessful cold call.  One deep breath can help do the trick.

Nothing can be as uncomfortable as prospecting someone for your cold call.  The fear of being shouted at or making a fool out of yourself, are roadblocks and keep you from selling.  This can be overcome with the right attitude together with guarded planning, preparation and if possible – Training.  Believe it or not, salesmanship is possible for everyone.

Take these simple tips on how to Cold Call

Always be Positive

Remember that cold calling is a powerful business strategy.  First be positive with your self.  Your co-workers and your prospects you’re about to make the cold call should be next to feel positive about.  There must be enthusiasm in your voice the people can feel right away.

Prepare to be Prepared

It’s not enough to know the procedure and having the right attitude.  Prepare the list of whom to be called or visited, how the introduction should be done, learn what prospects do and the most important part of all is that your offered product or service should be something that could be of good use for them.  Being well prepared can turn a simple cold call into real business.

I am what I am

Never sound too over reactive or obviously nervous on the phone or when you shake your prospect’s hand.  Never try to be somebody you are really not with an aim to getting the attention you need.  Assume that talking to your prospective customer for the first time should be the key to a lasting relationship.

Calm Down

Anticipate that you’ll be declined.  That’s it.  It’s really hard but never take it as a personal attack on you.  Don’t let the feeling of being dismissed put you down and roll you back.  Be patient and learn from your mistakes.  You will reap a good harvest if you commit yourself to being persistent.  This will also help you find a strategy that will work in the long run.  Look at each turn down as if it were the next stepping stone.

The Art of Questioning

You cannot expect someone to believe you right away and just sign up after describing your company’s objectives.  You have to ask the right questions.  Ask what they do correctly and promptly to help you use it along the conversation.  A sure attention getter when opening a conversation can be “May I ask you about something Ms/Mr?”  People want to help and this question lowers their guard.  The next question will be “Can you help me out about this thing sir/ma’am?”  This question does not ask for a yes or no answer but would definitely give you a valuable response that you can use all through out the interaction.

It’s possible that the little Girl Scout on the street asked the same question and left the doorway with 2 less boxes of cookies at hand!

Stress-free Job Hunting Guide

Hunting for the perfect job for an individual requires time, effort and knowledge.

For stress free job-hunting, every individual must first consider the following pointers before starting your job hunting process:

1. Know what type of job you would like to apply for.   Gate crashing job fairs that offer work not related to one’s degree or work preference would be a waste of time.

Consider your interests, preference of work location and job shifts (to be especially considered by professionals who have family members to take care of).  If all these fit the category of the job opening available, it would be best to proceed with the application process.

2. Prepare possible needed documents or career portfolio.  Have several copies of your resume, transcript of records and any certifications ready for immediate submission if needed.

3. Know where to look for job postings.  There are various forms that offer listing of jobs.   Below are some of these sites:

3.1 Internet. One of most widely used searching options is the Internet.  Aside from the fact that browsing the Internet for available jobs is less time consuming than personal appearances to inquire at the offices, this can also be the least expensive form of job hunting.

You would not need to buy newspapers to browse through the ads for vacancies nor spend gas money to go to the offices.

Not only local or national vacancies can be browsed through the net, international job openings could likewise be easily accessed by the user, thus, offering one a much wider perspective in choosing the right job.

3.2 Newspapers.  One of the most commonly used searching medium.  Local newspapers advertise jobs that are within an applicant’s commuting distance.  Available jobs are usually printed on a regular basis.

3.3 Career or Job Centers.  These usually offer jobs for ages 16-18 and rarely above 21 years of age.  Though fully loaded with vacancies, it caters mostly to the younger applicants.

Job listings are frequently updated; therefore regular visits would ensure the applicants of new job postings.

3.4 Periodicals or magazines.  Professionals are best advised to look for jobs on magazines since employers that would want to hire the same would advertise on such journals.

3.5 Offices.  Most offices have postings of job openings on their Vacancy Boards.  Applicants may directly go to the office to look for vacancies and then directly submit the resume or other pertinent documents to the respective division that receives such documents.

Wanted: Job Skills on the Loose

In today’s competitive life, employers are more inclined to find people who can contribute to the growth of the company and not just boost its productivity.

Hence, most employers tend to look for people who are endowed with the most desirable job skills in order to match the expectations and necessities of the company.

Therefore, for people who wish to make it to the jobs that they have long been dreaming of, it is important to know the most sought after job skills of most employers.

Hereís a list of the important job skills a job seeker must have in order to land a good job and keep it.

1. The ability to research

Job seekers should possess the ability to research not because they wanted to land a job in a research company but in order to do simple searches on the data needed by a particular activity.

2. Logical thinking

Most employers need people who are able to produce effective solutions and to make sensible solutions regarding a proposal or a probable activity.

3. Technologically literate

With the advent of information technology, most job openings require people who are computer literate or know how to operate different machines and office equipments.

Most employers do not necessarily need people who are technological graduates. The simple fact that job seekers know the basic principles of technology is already enough.

4. Communication skills

People who are able to land a good job are mostly those who are adept in speaking and writing. Employers hire people who are able to express their thoughts efficiently through verbal and written communications.

5. Organizational skills

No employer would like to hire somebody who is disorganized. Organization is extremely important to maintain a harmonious working relationship in the company. Hence, most employers find people who know how to arrange scheme and methods that would maintain the orderliness in the area.

6. Interpersonal skills

Because the working environment consists of various kinds of personalities, it is necessary, therefore, to acquire the skill to communicate to people form different walks of life.

7. Professional Growth

Employers hire people who are able to create a plan that will generate personal career growth. This means that the person is willing to improve him or herself professionally by learning new things he or she still does not know.

These are just some of the most wanted job skills by most employers. Hence, it is important for the job seekers to take note of these assets in order to be successful in every endeavor they make.

Tips for a Successful Local Job Search

If you are seriously searching for a local job, but you have no idea where to look, you may be just one of the thousands of unemployed people in the country. However, finding a job is easy when you know where to search.

Where can you find employers? How can you find your desired local job?

Before anything else, you should determine your skills and abilities, update your resume and be ready to face the employment process. There are several options on where to find employment.

1) Job Center: Job centers provide numerous vacancies for different kinds of work. Majority of job centers update their employment board frequently.

Originally, these career centers cater to young jobseekers up to 21 years old. They arrange for appropriate job interviews, which they believe, would match your skills and abilities. Some job centers also process training vacancies and apprenticeships to young people. Today, these centers also cater adultsí need of employment.

2) Newspapers: Local and national newspapers, non-profit papers and job hunting newspapers provide advertisements on current job vacancies. You could find all the existing newspapers in libraries and check all the recent job postings.

Majority of newspapers today have their content available online. You could browse through them one by one and list all the jobs you prefer.

3) Journals and magazines: Every industry has their own periodicals, magazines or journals. Most employers go to these publications for employing professionals. Some could be bought in magazine stands and others come by subscription. Therefore, if you are hoping to establish your career based on your finished field of study, you could subscribe to a professional magazine and increase your local job prospects.

4) Agencies: Employment agencies handle most of vacant local work. Covering all kinds of work for various industries, these agencies are listed in local directories and Yellow pages.

5) Employer grounds: Many companies have job vacancies on their premises. Since these companies such as food retailers make use of internal notice boards, they do not advertise in newspapers and agencies. You could walk into these companies and ask the front desk for employment vacancies.

6) Internet: The most cost-effective way in finding local jobs is through the internet. Majority of employment agencies, newspapers, top companies, magazines and job centers have their own website. You could save time by searching through them one by one and apply for the job you prefer the most.

Making use of all these options could save you a lot of time searching for your desired local job. You could use all of these methods simultaneously to increase your chances of employment.

Usually when you are looking for a job, you would ask for help from family and friends.  You would contact these people to ask for information on current job openings, business opportunities and tips.

Your family, relatives and friends belong to your warm contact list.  The warm contact list is the list of people with whom you have or had some personal association.  A former classmate, officemate or neighbor may belong to your warm contact list.

Who may be included in your warm contact list?  Here are a number of selections.

* Relatives and Friends

These people are always willing to help you in your job search or business venture.  They will be able to provide you information if they have some, or refer you to trustworthy people who will be able to help you.  If they will introduce you to some of their contacts, they can surely provide honest information to you regarding the person you are going to associate with.

* Members of the church, political party, social club or fraternity or sorority

You probably did not expect it, but people who share the same faith, beliefs or hobbies may also help you with finding a job.  You may have a different career from theirs, but they might know somebody who is in the same field or will be able to help you in your career.

However, depending on your level of association with them, they may think twice about giving their opinion or thoughts about their contacts.  Their opinion can sometimes help you in making a strategy on how to approach and ask for help from their contacts.

* People who sell you things

You may think that your relationship with these people is purely based on trading goods and services, then paying for them.  However, people who sell you things are also sources of information when networking.

Since these people sell their goods to different types of persons, they may have associated with somebody who belongs to the same field as you do, or have heard information about your target job from their other clients.

These people will also be happy to help you, since they know that maintaining a pleasant relationship with you means a stable business.  Also, if you have a good job means you have increased your purchasing power, and then it could also mean that you may purchase more from them.

* Former employers, colleagues or co-workers

Maintaining a good relationship with previous employers and colleagues has more benefits than you can imagine.  This is the reason that most people try their best to iron out any difficulties with their previous employers even if they are no longer associated with the company.  Aside from the possibility that your potential employer will call previous employers when they review your job history, former employers and colleagues are also a good source of information related to that field.

When you ask for help from family and friends, there is the possibility that the information that they can give to you is just from another source.  They may not be able to give you first-hand information or detailed information unless they also work in the same field that you came from or would like to go into.

This is very different when you consult former employers and colleagues from the same sector.  They will be able to provide you with valuable information and may be able to clarify such information and answer you questions.

* Members of your professional organization

If you belong to a professional organization related to the field in which you are looking for a job, you can consult the organization for current posting from the members.  If you don’t belong to any, consider joining one since this will be beneficial to you career growth.

A professional organization can provide you unbiased information on current job openings from its members.  The organization can also give you details on the company profile and even on current market and career trends.

These are the most important people that you should include when creating a list of your warm contacts.  It is better if you contact them all so you can have as many options in your job search.  When you talk to them, tell them that you are actively seeking a job.

“How to be Invited for Interviews”

Once the application has been sent and the resume received the next thing that should happen is that the employer will be calling to test communication skills by means of an interview.  Allowing yourself to be given the option on which employer is best fitting the applicant is one characteristic of being pro-active.  Consider being called by multiple employers for a job interview in a day a good sign.  This means that they were really impressed with the documents you submitted, therefore, deserving a personal communication on how most likely an applicant would land the job.

Resumes can present an individual very well.  Seventy-five per cent of employers say that applicants with resumes passing their standards would definitely be invited for a job interview.  Allow two or more interviews.  How?  Here are some resumes tips that would give you not only one but more calls for interview:

1. The position that an applicant is interested in should be placed right at the start of the resume.  Having this as an objective shows that an applicant is really focused and career oriented tells that he or she knows what is exactly the perfect career for him or her.

2. One of the best significant ways to get the employers’ attention is by using words that are really powerful that denotes strong capabilities of the applicant.  An example of this is, instead of writing, “assigned to be”, write instead “in-charge of,” indicating that the applicant has active leadership skills that can be a step to the management position if there is any.

3. A bullet catches the eye of an employer at one look.  Use these in itemizing achievements, career highlights, recognition, qualifications, and skills and interests.  Words in bullet form forces the employer to read the information provided.  These also create more clear space on the paper making the application form or the resume very neat and outstanding.

4. Make sure that the resume is very selective.  Only apply for a certain position in one company or organization one at a time.  Do not submit resumes with different job interests and positions applied for at one time.  This will be a complete waste of time.

5. Ask a pro.  Resumes are written with the help of experts who can actually see the applicant’s strengths and opportunities.

Aside from preparing an impressive resume carefully follow and read all the special instructions like how many spaces are provided for a specific answer or the number of words for the answer.  Keep in mind that this is also a test to see how well an applicant can follow simple rules.  Not only does it have to follow the steps, the application form should also be neat.  Handwriting is also being considered and using a black pen will greatly add to the formality of the answer.  As much as possible, never use a liquid paper or fold and bend the application form and paper.

When answering, be careful not to leave blanks unless it really does not apply.  Use N/A only if necessary.  Be truthful with all the answers but this does not mean that you have to provide a complete or thorough answer for every question.  Always adapt the answers to the job being applied for.  Only provide the skills and recognition received that will be beneficial to the new company or employer.  However, see to it that the answers provided indicate the reason of being more qualified than the other applicants.

Choose references that can provide the applicant an objective description and information.  Teachers, friends, and previous employers can be willing and honest enough to provide that information.  The application form must be consistent with the resume.

“How to be Invited for Interviews”

Once the application has been sent and the resume has been received the next thing that would possibly happen is that the employer will be calling to test communication skills by means of an interview.  Allowing oneself to be given the option on which employer is best fitting the applicant is one characteristic of being pro-active.  Consider being called by multiple employers for a job interview in a day a good sign.  This only means that they were really impressed with the documents submitted, therefore, deserving a personal communication on how most likely an applicant would land on the job.

Resumes can present an individual very well.  Seventy-five per cent of employers say that applicants with resumes passing their standards would definitely be invited for a job interview.  Allow two or more interviews.  How?  Here are some resumes tips that would give you not only one but more calls for interview:

1. The position that an applicant is interested in should be placed right at the start of the resume.  Having this as an objective shows that an applicant is really focused and career oriented tells that he or she knows what is exactly the perfect career for him or her.

2. One of the best significant ways to get the employers’ attention is by using words that are really powerful that denotes strong capabilities of the applicant.  An example of this is, instead of writing, “assigned to be”, write instead “in-charge of,” indicating that the applicant has active leadership skills that can be a step to the management position if there is any.

3. A bullet catches the eye of an employer at one look.  Use these in itemizing achievements, career highlights, recognition, qualifications, and skills and interests.  Words in bullet form forces the employer to read the information provided.  These also create more clear space on the paper making the application form or the resume very neat and astounding.

4. Make sure that the resume is very selective.  Only apply for a certain position in one company or organization one at a time.  Do not submit resumes with different job interests and positions applied for at one time.  This will be a complete waste of time.

5. Ask a pro.  Resumes are written with the help of experts who can actually see the applicant’s strengths and opportunities.

Aside from preparing an impressive resume carefully follow and read all the special instructions like how many spaces are provided for a specific answer or the number of words for the answer.  Keep in mind that this is also a test to see how well an applicant can follow simple rules.  Not only does it have to follow the steps, the application form should also be neat.  Handwriting is also being considered and using a black pen will greatly add to the formality of the answer.  As much as possible, never use a liquid paper or fold and bend the application form and paper.

When answering, be careful not to leave blanks unless it really does not apply.  Use N/A only if necessary.  Be truthful will all the answers but this does not mean that you have to provide a complete or thorough answer for every question.  Always adapt the answers to the job being applied for.  Only provide the skills and recognition received that will be beneficial to the new company or employer.  However, see to it that the answers provided indicate the reason of being more qualified than the other applicants.

Choose reference that can provide the applicant an objective description and information, teachers, friends, and previous employers can be willing and honest enough to provide that information.  The application form must be consistent with the resume.  Since many of these employers standardize and gauge the information the applicant is providing in his application form and resume, these must be full of complete and honest information.  This will be their basis when considering to have a one on one interview to see if what they read is true enough.  Arm oneself with positive strategies and knowledge to get those invitations for interviews come after you.  Remember that this will also be a marketing tool that any applicant can use for other future job hunting experience.Since many of these employers standardize and gauge the information the applicant is providing in his application form and resume, these must be full of complete and honest information.  This will be their basis when considering having a one on one interview to see if what they read is true enough.  Arm yourself with positive strategies and knowledge to get those interview invitations coming to you.  Remember that this will also be a marketing tool that any applicant can use for other future job hunting experience.

When her father died a couple of decades ago, Gloria Delisle and her sister Theresa purchased the mineral rights from his estate in the hope the rights might be worth something one day.

For years they received a few hundred dollars annually as compensation for a “shut-in” or non-operating natural gas well on the mineral play they owned six kilometres east of Alix.

Then one day a stranger called to say an energy company was drilling wells all around their play and siphoning off their natural gas.

He offered to go after the company for compensation and urged them to drill their own wells to ensure they got their share of the resource.

It took him four years, but he eventually landed the sisters a sizable cheque.

“We’re very fortunate that we started looking into this when we did,” said Gloria.

“We discovered there were a lot of people in the same position. A lot of them were older and they should have been getting some benefits in their old age and they weren’t getting anything.”While Alberta owns the mineral rights to 81 per cent of the province, about 2.5 million hectares remains in the hands of 50,000 people who acquired the “freehold” mineral rights when the land was purchased from the Dominion prior to 1889 or from the Canadian Pacific Railway or Hudson Bay Co. prior to 1908.

Most freeholders own rights adjacent to Crown-owned holdings. The Crown and freehold lands form a checkerboard pattern along the Edmonton-Calgary corridor, where the majority of the province’s oil and gas production occurs.

Like the Delisles, many freeholders never earned much revenue from their rights until the last decade, and no one has struck a bonanza of black gold like the well of “bubblin’ crude” that propelled the fictional Clampett family to wealth in the TV show The Beverly Hillbillies.

Freeholders say their lives are nothing like the Clampetts’ – for starters, nobody is making millions.

Oilpatch consultant Bernard Goltz said the most any of his more than 400 clients made in a month was $14,000, even when oil was hitting $140 US a barrel.

“The cheques vary from a pittance to substantial dollars,” he said. “I have clients that get royalties of $50 a month. It depends on how many family members have a piece of the pie.”Geologist David Speirs said a decent natural gas well might produce $18,000 a month at today’s prices, but a person with a freehold title to a quarter-section has to share with the oil company, any freeholders on the other three quarters and pay mineral taxes, income taxes and expenses.

“For the most part, you are not looking at Jed Clampett and the Hillbillies,” he said. “That’s not to say there aren’t pretty nice wells and a few freeholders who have made quite a bit of money on them.”Freeholder Barb Kroening, 61, said dealing with the rich and powerful oil companies can be extremely frustrating when they hold all the information about the resource.

“They work on your ignorance,” she said. “A lot of time they’re dealing with elderly people who don’t know how it works. I don’t think I am all that old, but if you are not savvy about these things, they could really take you.”Lawyer Keith Wilson, who became familiar with the issues when he worked for the office of the Alberta farmers’ advocate, said the situation is akin to someone having to sell a car they have never seen to a buyer who has already had mechanics check it out.

“The first difficulty owners face is they don’t have an understanding of the value of what they are negotiating on,” he said. “You don’t know if you have a Rolls-Royce or a pile of rusted bolts.”There are few lawyers with experience in oil and gas lease contracts for freeholders to turn to, because most are on retainers for energy companies, he said.

Wilson said energy companies will have researched the geological formations and output of wells on neighbouring properties, but even if they’re paying thousands of dollars an acre bonus for access to Crown reserves in the same formation, many will offer freeholders a standard contract of $25 to $50 an acre.

“The offer they make on lands that are very marginal and high-risk and are non-proven reserves is identical to the offer they will make for mineral rights in the middle of a big play,” he said. “They realize the mineral owner doesn’t have a clue.”The Crown will net royalties of 23 to 35 per cent on its holdings, while freeholders will get between six and 12 per cent net royalties “if you are lucky,” he said.

Wilson sits on the board of directors of a Freehold Owners Association, which strives to provide freeholders with the information they need to negotiate their agreements with Big Oil. The decade-old group has about 4,100 members representing about half of the 50,000 freeholders.

Goltz, 70, said he launched his oil and gas consulting business in 1993 after retiring from a 36-year career in Alberta Energy, because he saw that freeholders were on the wrong side of a lopsided playing field when they negotiated with energy companies.

“When I was with the government I had people come into my office in tears because they had signed a lease and they didn’t know what they were signing,” he said. “I felt the freehold owners were getting ripped off. It was quite an eye opener to see how the industry treats the small people.”He said once the leases were signed, they were ironclad and there wasn’t much the government could do to help freeholders locked into bad deals.

Goltz said he also helps freeholders who aren’t receiving the benefits they are supposed to get according to the terms of their deals. Many freeholders receive insufficient data in the statements sent out from energy companies and can’t determine whether they are getting their fair share, he said.

The consultant said he doesn’t know how much longer he can ride herd on the oil companies to help protect freeholders, but it’s a hard job to quit.

“As long as I am healthy, I kind of enjoy the fact that I can help someone – even though I am not getting paid like the oil company people are,” he said.

The consulting work he does hasn’t made him very popular with energy company officials, he said.

“Now that I am on the other side of the fence, there are a lot of them that don’t like me.

“They say; ‘I thought you were supposed to be retired. Go away!’ “ 

The real estate market is booming all over Alberta. With its economy becoming the leader of the Canadian economy and new businesses coming up in Alberta new job opportunities are emerging too in the province. This has been drawing in thousands of people every month to the province. Such people are seeking accommodation especially in the main cities of Alberta like Edmonton and Calgary.
Alberta’s capital Edmonton- a hot real estate market
The real estate market in Edmonton is real hot with the average price of a home in Edmonton being up by 39 percent over the past one year. Homes are now being sold with multiple offers and over the list price. The primary reason for this hot market is the growing number of jobs. With the oil industry in Alberta being on the verge of expansion job prospects are growing further.
Presently, the rate of employment stands the highest in thirty years. Availability of more jobs has meant more people moving into Edmonton for accommodation as this city offers a comparatively cheap property price (compared to Calgary). Besides, there have been very low vacancy rates prevailing too. The low rental vacancy rates and relatively low prices had been drawing in investors in real estate in the city. However, the enormous demand has of late been causing hike in prices.
A booming real estate market in Alberta’s oil capital Calgary
After overcoming its slow period in the late 1990s the Calgary real estate market has, ever since, been displaying the characteristic features of a hot market. The surging economy of Alberta that had attracted workers from all over Canada for engagement in oil and high tech sectors had been instrumental in increasing the demand for real estate in Calgary.
Alberta has the largest recoverable reserves of crude oil other than the Middle East while Calgary is considered to be the oil capital of the province of Alberta. Thus, there has been the need for almost all oil exploration and development companies to set up a presence in this city. No wonder why real estate for accommodating the offices and personnel of the oil concerns has been in great demand for pretty long in Calgary.
In recent times, with increasing difficulty in oil procurement from parts of the Middle East, the importance of Alberta’s oil reserves has further increased. This coupled with the rise in oil prices owing to a number of reasons has brought about an unprecedented economic boom for Calgary as an oil center. This has been accompanied with great employment opportunities evolving and has contributed to the hike in prices of real estate owing to unprecedented demand.

International cost of living rankings are the result of comparing the cost of an expatriate’s personal budget, using the local prices for the same defined quantities of the same goods and services in each country throughout the world.
Our findings show that the compound impact of the multifaceted global economic trends that impact each country in one way or another, are contributing to rapid substantial changes in the relative cost of living of countries around the world. The changes in relative cost of living are large and have occurred in a relatively short period of time. The reason for this is due to the fact that so many economic crises are occurring simultaneously. 2008 saw the housing bubble burst followed by the failure of a number of global fund / asset management, insurance and banking giants. Some have been liquidated or taken over; others have been bailed out with government funds. In 2009 we have seen the continued fall in house prices which many believe have yet to bottom out. Stock prices and market indexes are down to levels last seen a decade or more ago. The trend towards decreased inflation and lower interest rates continues in developed and developing markets. We are also experiencing exchange rate volatility with a number of large economies seeing their currency weaken considerably in the past year. The economic impact is continuing to spread around the globe. We are currently seeing a truly global recession with reduced demand for manufacturing inputs and outputs as well as reduced energy demand and large scale job losses.
This study of 276 global locations covered every country in the world. The study comprised the cost of several hundred items that expatriates typically spend their pay on, grouped into 13 Basket Groups. The findings as at 1 April 2009 have been compared to the previous findings of 1 December 2008. The Index uses New York as the base (New York = 100). An index greater than 100, means that the cost of living is higher than New York, an index less than 100, means that the cost of living is lower than New York.
Geneva has a cost of living index of 110 for example. That means that on average, goods and services that cost $100 in New York, cost $110 in Geneva. Each city is ranked according to their overall cost of living index which includes the cost of all basket groups.
A cost of living index increases or decreases based on the local price of the goods and services used in the study and the ruling exchange rate. As a general principle, a country with a currency that has increased against other currencies (stronger currency) and which has relatively high local inflation (rapid/large price increases), will generally experience an increase in cost of living compared to other countries. On the other hand, a country with a currency that has decreased against other currencies (weaker currency) and which has relatively low local inflation will generally experience a decrease in cost of living compared to other countries. It is important to note that we are talking about relative changes. Take London as another example. As recently as December 2008, London was still ranked the 6th most expensive place in the world for expatriates to live. As at April 2009 it is the 23rd most expensive place in the world for expatriates. That does not mean that the local cost of living for expatriates living in London has decreased. What it does mean is that relative to other places in the world, London is no longer as expensive as it was last year. What makes London’s cost of living relatively lower than it was is mainly due to the increase in the cost of living elsewhere together with the weaker British Pound.
These relative changes have a substantial impact on expatriate employees. An expatriate working in a high cost of living – strong currency country such as Hong Kong where the Hong Kong Dollar is pegged to the US Dollar illustrates this point. The high cost of living makes it difficult to save due to high local prices; Household (Accommodation including utilities) in particular is very expensive. However, an expatriate working in Hong Kong will now likely find that remitting money back home provides greatly increased spending power at home. In the past year the Hong Kong Dollar has increased 15% against the Malaysian Ringgit, and 30% against the Indonesian Rupiah and the Australian Dollar.
The Top 10 Most Expensive Places for Expatriates to Live
Tokyo has retained its status as the most expensive city in the world for expatriates to live. The cost of living index for Tokyo has increased from 126 in December 2008 to 143 as at 1 April 2009, and the Yen has strengthened against the US Dollar. At the other end of the scale, Harare has retained its status as the least expensive city in the world and is ranked 276 with an index of just 17 and a currency which is still in free-fall. Tokyo is ranked 1st for Healthcare expenses, 2nd for Groceries and 2nd for Household (Accommodation including utilities).
Hong Kong is now ranked 2nd overall having climbed from 33rd place in December 2008. Its cost of living index has increased from 103 to 121 and is ranked 1st for Household expenses and 2nd for Healthcare. It is interesting however to note that Hong Kong is not expensive in all categories. It is ranked 202nd for Alcohol & Tobacco, 226th for Recreation & Culture, 227th for Education, and 247th for Furniture & Appliances.
Lagos is the 3rd most expensive city in the world for expatriates, having previously been ranked 11th. It is ranked 1st for Groceries and for Furniture & Appliance expenses, 6th for Healthcare, and 18th for Restaurants, Meals Out and Hotels.
Caracas has moved substantially up the rankings to 4th, having been ranked just 32nd in December 2008. It is ranked 1st for Education expenses, 5th for Healthcare, and 6th for Household expenses (Accommodation including utilities).
Port Moresby in Papua New Guinea is the 5th ranked overall most expensive city for expatriates due to most goods and services being imported from Australia. Port Moresby is ranked 6th for Recreation & Culture, 7th for Communication and for Healthcare, and 8th most expensive for Clothing.
Geneva has dropped slightly to 6th, having been ranked 4th in December 2008. It is ranked 3rd most expensive for Transport expenses, 11th for Recreation & Culture, 15th for Healthcare, and 20th for Clothing.
Dubai has moved into the top 10 most expensive places in the world for expatriates to live for the first time. Dubai is now ranked 7th, substantially up from 34th in December 2008. Its cost of living index has increased from 103 to 109 since December 2008. It is ranked 1st for Restaurants Meals Out and Hotel expenses, 6th for Clothing, 11th for Healthcare, and 16th for Groceries. Dubai is currently ranked 4th for Household expenses (Accommodation including utilities), however evidence is emerging that this will decrease significantly in the next quarter as it has been hit relatively hard in the property sector with falling property prices and rentals.
Doha has moved up in the global rankings faster than any other city. In December 2008, Doha was ranked the 45th most expensive city for expatriates, it is now 8th. The overall cost of living index has moved up from 101 to 109, equal to that of Dubai. It is ranked 2nd for Restaurants, Meals Out and Hotel expenses, 3rd for Clothing, 7th for Household expenses (Accommodation including utilities), 8th for Groceries as well as for Recreation and Culture, and 10th for Healthcare.
Denmark has dropped slightly to being the 9th most expensive place in the world for expatriates, having been ranked 3rd in December 2008. It is ranked 3rd most expensive for Groceries, 5th for Transport, and 15th for Furniture and Appliances.
Hamilton in Bermuda completes the top 10 moving from 26th in December despite the overall cost of index remaining 108. Hamilton is ranked 4th most expensive for both Education and Healthcare, 10th for Personal Care, 11th for Household expenses (Accommodation including utilities), and 15th for Groceries.
The full overall cost of living ranking list from Xpatulator as at 1 April 2009 is as follows:
RankLocation
1 Japan, Tokyo
2 China, Hong Kong
3 Nigeria, Lagos
4 Venezuela, Caracas
5 Papua New Guinea, Port Moresby
6 Switzerland, Geneva
7 United Arab Emirates, Dubai
8 Qatar, Doha
9 Denmark, Copenhagen
10 Bermuda, Hamilton
11 Angola, Luanda
12 Switzerland, Zurich
13 Russia, Moscow
14 Solomon Islands, Honiara
15 Cameroon, Douala
16 Chad, N’Djamena
17 Taiwan, Taipei
18 Liechtenstein, Vaduz
19 USA, New York NY
20 New Caledonia, Noumea
21 Greenland, Nuuk
22 Ireland, Dublin
23 United Kingdom, London
24 France, Paris
25 Norway, Oslo
26 Italy, Milan
27 San Marino, San Marino
28 USA, San Francisco Calif
29 Monaco, Monaco
30 Austria, Vienna
31 Bahamas, Nassau
32 Central African Republic, Bangui
33 Nauru, Yaren
34 USA, Boston Mass
35 Finland, Helsinki
36 Italy, Rome
37 Kazakhstan, Almaty
38 Cote D’Ivoire, Abidjan
39 Bahrain, Manama
40 Micronesia, Palikir
41 Isle of Man, Douglas
42 Haiti, Port-au-Prince
43 USA, San Jose Calif
44 Cameroon, Yaounde
45 Djibouti, Djibouti
46 Palau, Melekeok
47 Guinea-Bissau, Bissau
48 Azerbaijan, Baku
49 Benin, Cotonou
50 Slovakia, Bratislava
51 Belgium, Brussels
52 Netherlands, Amsterdam
53 Sao Tome and Principe, Sao Tome
54 Jersey, Saint Helier
55 Mali, Bamako
56 Gabon, Libreville
57 United Arab Emirates, Abu Dhabi
58 Croatia, Zagreb
59 Singapore, Singapore
60 Ghana, Accra
61 Spain, Madrid
62 Ukraine, Kiev
63 USA, Philadelphia Pa
64 Cayman Islands, George Town
65 Sierra Leone, Freetown
66 Germany, Berlin
67 Czech Republic, Prague
68 USA, San Diego Calif
69 Jordan, Amman
70 Trinidad and Tobago, Port-of-Spain
71 USA, Los Angeles Calif
72 USA, Washington DC
73 Estonia, Tallinn
74 USA, Baltimore Md
75 Falkland Islands, Stanley
76 Saudi Arabia, Riyadh
77 Guernsey, St Peter Port
78 Comores, Moroni
79 Sudan, Khartoum
80 Germany, Bonn
81 Vatican City, Vatican City
82 Canada, Toronto
83 Timor-Leste, Dili
84 Hungary, Budapest
85 USA, Seattle Wash
86 Brazil, Brasilia
87 Lebanon, Beirut
88 USA, Miami Fla
89 Vanuatu, Port Vila
90 Luxembourg, Luxembourg
91 Jamaica, Kingston
92 Australia, Sydney
93 Kuwait, Kuwait City
94 Moldova, Chisinau
95 Congo Democratic Rep, Kinshasa
96 Germany, Frankfurt
97 Tuvalu, Funafuti
98 Iceland, Reykjavík
99 Barbados, Bridgetown
100 Portugal, Lisbon
101 Mozambique, Maputo
102 Senegal, Dakar
103 Canada, Vancouver
104 Niger, Niamey
105 China, Beijing
106 Ethiopia, Addis Ababa
107 Turkey, Ankara
108 Togo, Lome
109 Equatorial Guinea, Malabo
110 Martinique, Fort-de-France
111 Armenia, Yerevan
112 USA, Chicago Ill
113 Liberia, Monrovia
114 Gibraltar, Gibraltar
115 Sweden, Stockholm
116 Somalia, Mogadishu
117 Portland Ore
118 Israel, Jerusalem
119 Malta, Velletta
120 Puerto Rico, San Juan
121 Canada, Calgary
122 Rwanda, Kigali
123 Guam, Hagatna
124 Burkina Faso, Ouagadougou
125 Zambia, Lusaka
126 Andorra, Andorra la Vella
127 Cyprus, Nicosia
128 USA, Las Vegas Nev
129 Samoa, Apia
130 Saint Helena, Jamestown
131 Tanzania, Dar es Salaam
132 Greece, Athens
133 Poland, Warsaw
134 Maldives, Male
135 Malawi, Lilongwe
136 Thailand, Bangkok
137 Indonesia, Jakarta
138 USA, Jacksonville Fla
139 Antigua and Barbuda, Saint John’s
140 Gambia, Banjul
141 United Kingdom, Glasgow
142 Lithuania, Vilnius
143 Belarus, Minsk
144 USA, Dallas Tex
145 Australia, Canberra
146 India, Mumbai
147 Australia, Melbourne
148 USA, Denver Colo
149 Algeria, Algiers
150 Georgia Republic of, Tbilisi
151 Honduras, Tegucigalpa
152 USA, Atlanta GA
153 USA, Cleveland Ohio
154 Canada, Montreal
155 USA, Milwaukee Wis
156 Congo, Brazzaville
157 Guinea, Conakry
158 Saint Kitts and Nevis, Basseterre
159 USA, Detroit Mich
160 Panama, Panama City
161 Latvia, Riga
162 Uganda, Kampala
163 Korea Republic of, Seoul
164 USA, Charlotte NC
165 Marshall Islands, Majuro
166 Australia, Perth
167 USA, Phoenix Ariz
168 USA, Columbus Ohio
169 USA, Austin Tex
170 Madagascar, Antananarivo
171 USA, Tampa Fla
172 United Kingdom, Birmingham
173 Afghanistan, Kabul
174 Grenada, Saint George’s
175 Vietnam, Hanoi
176 USA, Indianapolis Ind
177 USA, St Louis MO
178 Saint Vincent and the Grenadines, Kingstown
179 Peru, Lima
180 Syria, Damascus
181 USA, Fort Worth Tex
182 Slovenia, Ljubljana
183 Mauritania, Nouakchott
184 USA, El Paso Tex
185 Philippines, Manila
186 China, Shanghai
187 USA, Memphis Tenn
188 USA, Pittsburgh Penn
189 Belize, Belmopan
190 India, New Delhi
191 Romania, Bucharest
192 Guatemala, Guatemala City
193 Iran, Tehran
194 Cape Verde, Praia
195 India, Chennai
196 USA, Houston Tex
197 Canada, Ottawa
198 Costa Rica, San Jose
199 Dominica, Roseau
200 Nicaragua, Managua
201 Guyana, Georgetown
202 Dominican Republic, Santo Domingo
203 Bulgaria, Sofia
204 Suriname, Paramaribo
205 Cuba, Havana
206 Oman, Muscat
207 India, Calcutta
208 Mongolia, Ulaanbaatar
209 Tajikistan, Dushanbe
210 India, Hyderabad
211 Burundi, Bujumbura
212 USA, San Antonio Tex
213 Myanmar, Yangon
214 Uruguay, Montevideo
215 Paraguay, Asuncion
216 Albania, Tirana
217 Brunei, Bandar Seri Begawan
218 Mauritius, Port Louis
219 Fiji, Suva
220 Egypt, Cairo
221 Australia, Brisbane
222 El Salvador, San Salvador
223 Korea Democratic Republic of, Pyongyang
224 Laos, Vientiane
225 Mexico, Mexico City
226 Morocco, Rabat
227 India, Bangalore
228 Saint Lucia, Castries
229 New Zealand, Auckland
230 Kiribati, South Tarawa
231 Kosovo, Pristina
232 Kenya, Nairobi
233 Serbia, Belgrade
234 Bangladesh, Dhaka
235 Pakistan, Lahore
236 Bolivia, La Paz
237 Colombia, Bogota
238 Botswana, Gaberone
239 Sri Lanka, Colombo
240 Pakistan, Islamabad
241 Turkmenistan, Ashgabat
242 Kyrgyzstan, Bishkek
243 Macedonia, Skopje
244 Pakistan, Karachi
245 Australia, Adelaide
246 Montenegro, Podgorica
247 Chile, Santiago
248 Malaysia, Kuala Lumpur
249 China, Macao
250 Eritrea, Asmara
251 Iraq, Baghdad
252 Argentina, Buenos Aires
253 Bosnia and Herzegovina, Sarajevo
254 Uzbekistan, Tashkent
255 Ecuador, Quito
256 Nepal, Kathmandu
257 Tunisia, Tunis
258 Yemen, Sanaa
259 Bhutan, Thimphu
260 South Africa, Johannesburg
261 China, Shenzhen
262 Tonga, Nuku’Alofa
263 China, Dalian
264 South Africa, Pretoria
265 Lesotho, Maseru
266 China, Wuhan
267 Namibia, Windhoek
268 Libya, Tripoli
269 South Africa, Cape Town
270 China, Guangzhou
271 Seychelles, Victoria
272 South Africa, Durban
273 Cambodia, Phnom Penh
274 Swaziland, Mbabane
275 China, Tianjin
276 Zimbabwe, Harare

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