Expat Financial Advisors in Macedonia del Nord - che sarà l'argomento dell'articolo di oggi.

Confronterò alcune delle opzioni disponibili a livello locale, insieme a opzioni più portatili, online e internazionali come quelle che offriamo noi.

In qualità di espatriati, ha senso avere un'opzione portatile, piuttosto che una localizzata, e noi siamo specializzati in questo. 

Se volete investire come un espatriato o un individuo con un alto patrimonio netto, che è ciò in cui sono specializzato, potete inviarmi un'e-mail (advice@adamfayed.com) o utilizzare WhatsApp (+44-7393-450-837).

Introduzione

The Republic of North Macedonia is a landlocked country in the heart of the Balkans.

North Macedonia (Macedonia until February 2019), officially the Republic of North Macedonia, is a country in Southeastern Europe. It gained independence in 1991 as one of Yugoslavia’s successor states. It is a landlocked country bordered by Kosovo to the northwest, Serbia to the north, Bulgaria to the east, Greece to the south, and Albania to the west.

It makes up roughly the northern third of the larger geographical region of Macedonia. Skopje, the capital and largest city, is home to a quarter of the country’s 1.83 million people. Albanians are a significant minority of about 25%, followed by Turks, Gypsies, Serbs, Bosnians, Aromanians and some other minorities.

The majority of the population are ethnic Macedonians and Orthodox Christians, but there is also a significant Albanian Muslim minority. You can expect a wonderful combination of architectural and ethnic heritage. The country is the Balkans in the truest sense, made up of an exciting mixture of Macedonian, Albanian, Turkish and Mediterranean influences.

Expatriates considering immigrating to North Macedonia can look forward to living in an exquisitely beautiful country with dense forests, majestic mountain ranges and many lakes. Fortunately, North Macedonia has escaped much of the violence experienced by its Balkan neighbors, but it has suffered economic hardship and political instability that have discouraged many expats from moving here in the past.

Living in North Macedonia as an expat

North Macedonia is a vibrant and diverse melting pot of Eastern and Western cultures and influences. However, ethnic tensions have haunted the country in the past and brought it to the brink of civil war in 2001 when Albanian extremists declared war on the state of North Macedonia. Although the peace treaty ended the violence, tensions remain high and expats should avoid discussing this sensitive issue. Most expats living in North Macedonia work in English language schools or NGOs that provide assistance and technical training, and most are based in the capital city of Skopje.

The advantage of North Macedonia for expats is that you can pursue a professional career in a stable environment, with guaranteed economic growth and the protection of your property through a strong legal framework. Many private companies are ready to hire skilled labor from all over the world, while the market offers business-related services such as consulting and marketing.

Essere un espatriato in North Macedonia also means having access to amenities ranging from pharmacies and malls to supermarkets and even online stores. The housing market offers a wide range of choices as the country has everything from single family homes and villas to high-rise apartments near the city center so you can choose what suits your taste the most.

Cost of living in North Macedonia

Compared to the rest of Europe, the cost of living in North Macedonia is very low. However, wages in North Macedonia are also much lower than in most European countries, and expats should make sure to negotiate a fair salary in order to live comfortably and take advantage of the country’s many great offerings.

At the same time, due to its geographical location and proximity to Greece, Bulgaria and Serbia, the cost of living in North Macedonia will be lower than in other Western European countries. In addition, the prices of certain products are lower, so your monthly expenses are expected to be significantly lower when compared to other countries in Europe.

Health care for expats in North Macedonia

In recent years, there have been significant improvements in the healthcare system in North Macedonia. Primary public health care is now available free of charge to all citizens, including registered expats, through a government-sponsored universal health insurance scheme that includes unlimited specialist visits and primary health care services. Employers and employees are required to pay monthly contributions under this scheme. Private healthcare is also available thanks to a number of new clinics that have emerged in recent years. Foreigners can also take out additional private insurance to cover services not provided by the public system.

Expat families and children

Primary and secondary education in public schools in North Macedonia is free and compulsory for all children. Teaching in public schools is conducted in Albanian, Macedonian, Turkish or Serbian, but there are also a number of private schools in the country that offer bilingual classes for foreigners. However, most expats choose to send their children to one of the few international schools in Skopje.

Expats looking to take a family trip into nature will be spoiled for choice with exquisite lakes and national parks dotted across the country. North Macedonia also has a number of historical sites and monuments worth visiting for all expats who want to learn more about the culture of the country. North Macedonia is a small but beautiful country in an ideal location for expats looking to travel around Europe.

Along with excellent health and education benefits, as well as a below-average cost of living, the country boasts scenic views that will take your breath away. Despite the somewhat unstable political situation, North Macedonia is a great place for expat families to settle down and enjoy new experiences.

Jobs in North Macedonia

There are a lot of job opportunities in North Macedonia, both for a local and foreign companies. The government offers incentives for companies to invest in the country while the market is largely untapped and provides great investment opportunities due to its growth potential.

Anyways, you should have a visa and a residence permit before you can get your first job in North Macedonia. To obtain it, you must provide the following documents:

– Application form for a residence permit.

– Four passport photographs.

– A passport with a validity period of more than six months.

– Academic diplomas and work experience certificates.

– Employment letters or contracts with employers, if you already have them. You can apply for a visa and residence permit at the Ministry of Foreign Affairs.

Your residence permit is valid for one year and can be renewed if necessary. If you wish to stay longer than three months, you will need to apply for a visa at the North Macedonian Consulate in your home country before traveling.

Education system in North Macedonia

Expats moving to North Macedonia with their children will be happy to know that they have access to high quality education. The country has nine universities, numerous colleges and more than 300 elementary schools. In addition, there are over 600 professional teacher training centers offering specialized courses for new migrant teachers moving to North Macedonia.

However, the bilingual education system in North Macedonia is one of the most popular options for expats moving with their families. Children can not only get an excellent education in international schools, but also learn two languages ​​at the same time, which gives them an advantage in their future careers.

Living in Macedonia is an experience like no other, full of discovery and adventure with friendly locals who are more than willing to welcome expats into their community. The country has historical sights that can keep you busy for days, or exhilarating mountains that will make your heart beat faster. Whether you want to stay for a couple of months or enjoy it like an expat, there is something unforgettable in North Macedonia always waiting around the corner.

How to understand that you need a financial advisor in North Macedonia?

The problem with many people is that they are not in control of their cash flow. As a result, they live chaotically, not knowing where they are going financially.

We are all unwittingly involved in a constant flow of finance. After all, every day we make various financial transactions. And it depends only on us how conscious this movement will be on the scale of our entire life.

To manage the future, you need to:

• Manage your cash flows;

• Transform the future into a set of clear, measurable financial goals;

• Make a plan to achieve these goals;

• Follow your plan.

This is a common situation for everyone a financial advisor works with. Along with this, special cases are also possible.

A person already clearly understands what tasks he is striving for. He only needs a specialist who will help him choose the right strategy to achieve his goal. And will offer the best tools for solving important problems. In both cases, a personal financial advisor will help you.

Chi è un consulente finanziario?

This is a specialist who advises on financial policy issues at various levels. He can work both as an individual and in the status of a legal entity. It does not change its function.

He advises clients on the issues of saving or increasing funds, assesses their financial condition, develops an investment policy, a scheme for working with banking institutions, and makes management decisions.

Questa categoria comprende le seguenti specialità:

• brokers;

• investment consultants;

• accountants;

• financial lawyers;

• insurance agents;

• financial analysts.

A consultant can be well versed in a particular area of ​​finance, but can also be a generalist. A financial advisor must have all the necessary professional skills. Secondly, it is excellent to know the provisions and laws of legislation in the field of finance and economics. In addition, he must understand the market economy, the trends of cash investments.

He must also be able to value financial assets and their instruments. Understand the procedures for buying and selling securities in the stock markets. In addition, he must be familiar with modern systems of lending and investment, control and taxation.

In other words, a financial advisor is a consultant with excellent knowledge in any financial, legal and accounting field.

What should a financial advisor know?

In primo luogo, deve possedere tutte le competenze necessarie alla professione. In secondo luogo, è eccellente conoscere le disposizioni e le leggi della legislazione nel campo della finanza e dell'economia. Inoltre, deve comprendere l'economia di mercato, le tendenze degli investimenti monetari.

He must also be able to value financial assets and their instruments. Understand the procedures for buying and selling securities in the stock markets. In addition, he must be familiar with modern systems of lending and investment, control and taxation.

In other words, a financial advisor is a consultant with excellent knowledge in any financial, legal and accounting field.

Basic requirements for every financial advisor

As a rule, financial advisers have the following requirements:

• higher specialized education;

• at least 1 year experience in finance;

• knowledge of financial management and accounting;

• knowledge of the stock market and the securities market;

• experience in analysis and assessment of financial risks;

• PC knowledge.

Potrebbe essere necessario anche:

• English proficiency;

• Sales skills.

• Types of financial advisors

Esistono diverse categorie di consulenti finanziari:

• Investment consultants, sellers, employees of financial companies. They will help in cases where the client has medium-term savings and investment projects. They have certain plans that they are ready to share. This category includes bank employees, insurance agents, realtors, pension and investment fund consultants.

Consulenti finanziari motivazionali. Questa è un'altra categoria. Questi specialisti aiutano ad attirare l'attenzione su un problema specifico, a riconoscerlo e a prendere la decisione di risolverlo nei modi prescelti. In altre parole, il cliente riceve istruzioni per agire, tenendo conto delle sue caratteristiche finanziarie. Questi specialisti vengono contattati per una collaborazione a breve termine, quando il cliente ha già un certo piano d'azione, ma non riesce a deciderne l'attuazione.

• Independent financial advisors. Their functions include finding out the capabilities of the client, choosing a number of solutions, as well as identifying the most suitable for implementation in a certain time frame. As a rule, they develop plans for the long term. For example, 10 years. During this time, the client’s well-being should improve.

Ma in questo articolo ci concentreremo soprattutto sui due tipi di consulenti finanziari più diffusi: quelli locali e quelli online.

Local Financial Advisors

Financial advisers from North Macedonia can help you with many financial transactions, from opening a simple bank account to major investments in your country. Their experience and knowledge cannot be less than the skills of any other financial advisor, so the main advantage here is that they are local residents and have a local financial education, are perfectly familiar with all the rules that apply to North Macedonia, namely: tool and a great investment for your future financial goals.

Ma quando si sceglie, ad esempio, un consulente finanziario bancario considerato anche locale, bisogna tenere presente che il suo obiettivo principale è quello di vendervi un servizio o un prodotto bancario. In realtà, non è colpa loro, ma in ogni caso comporterà costi aggiuntivi e potrebbe non essere necessario in quel momento. Con l'aiuto di un consulente bancario, si consiglia di aprire solo un conto di risparmio o di investimento presso una banca; pertanto, in quanto stranieri, potreste aver bisogno dell'assistenza di un consulente finanziario bancario, ma niente di più.

To clear things up, they may offer you their mortgage options at attractive rates, but in any case, keep your main goals in mind and move forward with that in mind. For additional financial goals, you can turn to an individual consultant or online, which may be more effective than other options on the market.

Above all, in-person and online consultants put their clients first and go the extra mile to achieve their financial goals quickly and efficiently. Accordingly, they may charge small fees and commissions, but they offer good strategies, make sure all your documentation is safe.

In any case, let’s look at some of the financial transactions in which you will need the help of an adviser. For example, how to invest in Saint Kitts and Nevis? This is a developing country with a bright future, so many expats who move there may want to invest in real estate, so let’s look at the conditions and benefits.

Local expertise will help you. North Macedonia is a foreign country to a European expat and for many expatriates the laws may be different, investment options, savings accounts and more may require different skills.

The key solution is a local financial advisor. They are usually educated and focused on the laws and regulations they follow in the country. As such, they are an excellent resource if you are looking to invest locally to spur growth in your area, city, or state.

Tenete presente che l'investimento locale può darvi due tassi di rendimento: uno diretto per il vostro portafoglio e l'altro attraverso la vostra comunità. È sempre più evidente che, rispetto alle loro controparti non locali, le imprese locali hanno un impatto sullo sviluppo economico locale da due a quattro volte superiore per ogni dollaro speso per loro.

Quindi, se avete un portafoglio di investimenti che comprende aziende locali, i vostri dollari continueranno a circolare e a migliorare il benessere dell'intera comunità, creando nuovi posti di lavoro, aumentando il reddito e, in ultima analisi, sostenendo il finanziamento di scuole, parchi, servizi di polizia e antincendio e aree sicure e prospere.

Un consulente finanziario esperto e locale può aiutarvi nella due diligence per assicurarsi che l'investimento locale abbia senso.

Online Financial Advisors

Financial planners or online consultants are people who have the experience and knowledge to help their clients achieve specific financial goals.

Si impegnano a comprendere la vostra situazione finanziaria attuale e i vostri obiettivi futuri, per poi sviluppare strategie finanziarie che vi aiutino a raggiungerli.

These professionals are now assisted by a range of digital financial planning tools that help minimize risk and automate critical financial and accounting processes, portfolio recommendations, portfolio re-balancing and dividend reinvestment.

In altre parole, i pianificatori finanziari online stanno utilizzando le nuove tecnologie per trasportarvi meglio da dove siete (finanziariamente) a dove volete essere. Ciò consente loro di tagliare i costi che in ultima analisi incidono sul vostro reddito e di abbreviare i tempi di acquisizione dei clienti. Il tempo è un bene importante quando si investe: prima si inizia, più tempo il denaro lavorerà per voi.

This professional approach creates a technology-based financial dimension to important life decisions that helps you plan for action and achieve personal goals, whether it’s early retirement, a new business, a new home, or a dream vacation.

How can we help you?

There are many benefits you can get from working with a financial advisor, as well as having an online financial advisor available when you need one. Let’s look at some of the benefits:

Save your time

How can working with an online financial advisor help you save your time?

An online meeting with a financial advisor means you don’t have to travel to his office in traffic jams. You can meet them during your lunch break at work, on the couch at home, or even on vacation. If you have a device and internet connection.

Risparmiare denaro

How can working with an online financial advisor help you save money?

You don’t have to take time off from work or hire a nanny to meet with online financial advisors who don’t work strictly 9-5 hours. You can meet them at any time convenient for you, wherever you are, and save on gas and parking.

Improved environmental conditions

How will the work of a financial advisor affect the environment? Because they don’t drive to the office every day, their customers don’t have to drive to see them, there are fewer cars on the roads and less carbon footprint.

Also, online financial planners don’t print long plans for their clients. Whenever possible, they minimize the consumption of paper, ink, and other consumables.

Freedom of location

Does it matter where you live when you work with an online financial advisor? Many online financial planners have lived in many states over the years, as have their clients. More than 40% of clients have moved to a new city since they started working with their consultants. But both were able to “move” together and remain constant to each other.

When you move to North Macedonia on vacation, you can find a great online financial advisor there and not worry about losing your precious job when you return home. You can still work together from anywhere in the world.

By “financial advisor” we mean someone you trust completely and with whom you can discuss your financial situation, plans and how you manage your money. By no means are we talking about banking or brokerage employees – at least not most of them. In conclusion, it is worth noting that financial advisors play a key role in the life of every investor, regardless of how much free funds you have and whether you control your business.

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Adam è un autore riconosciuto a livello internazionale in materia finanziaria con oltre 830 milioni di visualizzazioni di risposte su Quora, un libro molto venduto su Amazon e un contributo su Forbes.