Moving Back to Canada
Moving Back to Canada

The deserts of Arabia

Moving Back to Canada from Arabia:

The UAE, Qatar, Saudi Arabia, Oman, and Kuwait


Welcome to the resource page for Canadians moving back from Arabia! Here you will resources and tips from other Canadians specific to your move from the Arabian Gulf region.

The main Moving Back to Canada resource page has links to a full set of resources for you to access, so be sure to check it out as well!

Topics & Resources



Tips and insights by country:



The United Arab Emirates

Introduction: Transitioning from Arabia to Canada


This resource page has a special place in my heart: We spent 6-1/2 years in the UAE before returning to Canada. I will always remember my time in Arabia as some of the favourite years of my life. I still tell people the following when they ask about my experiences there:

"Arabs are people with big imaginations and lots of money. Having never been told they can't do something they reach high and do big things."

Yes, I know that the reality of the expatriate Canadians, Brits, Americans, Aussies, Lebanese, Indians, and the millions of "workers" from India, Pakistan, Sri Lanka, Egypt, and a myriad of other countries is different from what the Arab citizens experience, but the feeling of life moving forward and progress happening in the UAE is infectious for most people living there - Arabs and expatriates.

Colleagues, clients, friends, and business contacts in Qatar, Oman, Saudi Arabia, and Kuwait reflect that they are also in the region to build better lives, and do sense some of the same energy in their countries that I felt in the UAE.

Thoughts on transitioning from Arabia back to Canada


So, what is it like transitioning from Arabia back to Canada? Needless to say, it is quite a big shift. The longer you live in Arabia, the more striking the differences. Some are pleasant differences, some are not. And of course which one is experienced depends on individual lifestyle preferences as well.

Positives:




Challenges (or not!):




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Moving your furniture and belongings

Moving furniture and household goods to Canada

Because Canada and Arabia are so far away from each other, moving your belongings becomes a signficant question. Here are some considerations:

Shipping method options


Most people have to decide if they are going to return with their full household of furniture and belongings or only their personal effects.

A full household? Plan to use a 20' or 40' sea container. Most of Arabia imports more than they export by sea container, so having an empty container delivered to your villa or flat, getting it packed, and then sending it by ship to Canada is very common and relatively inexpensive compared to the cost of doing so in western countries. Another benefit to a sea container is that you lock the container yourself and unlock it in Canada. No-one but you has access to contents. A very satisfying click when you lock it yourself!

Note: A sea container can take 30+ days to reach the port in Canada (east or west coast) where it will be taken off the ship and put on a train or truck. Plan accordingly for this time frame.

If you plan on shipping a smaller set of personal effects, you can use a "less than container load" ("LCL") shipment method, which is usually just a bunch of boxes on a shipping pallet and the whole thing shrink-wrapped. This is a much less expensive shipping method than a whole sea container, but it may take longer and your belongings are not as secure as with a sea container. Be sure to NOT ship anything valuable if you use this method!

Finally, a third method - and the one we used when returning from our first expat experience - was to air freight a few boxes with us on the plane when we left, in addition to our suitcases. This was surprisingly modest in cost and we had the benefit of our belongings arriving with us and being able to pick it up the next day. But this method only works if you have only a few boxes.

DIY or hire packers?


Household goods moving companies make most of their profits on two parts of the process: Packing and insurance. Which is why, of course, their salespeople push you to pay for both if you are shipping your belongings with a sea container. And they can sometimes tell you that you can't get insurance unless their staff pack the container (not true!) From my experience, you can pack the container yourself and skip the insurance, unless you have valuable and fragile antiques, for example. The odds of something bad happening are quite low and I have heard that those very few people who have put in a claim on something broken have not been satisfied by the insurance company process or payout.

If your move back to Canada is paid for by your employer, pay for packing and insurance. Why not? It is not your money. If you are paying for your own move, or receive a fixed amount for the move in cash and have the time and energy, have a container delivered to your building or villa, hire some help for a few hours, and pack the container yourself. You can save quite a bit this way and have the emotional satisfaction of locking your container yourself once it is packed. A nice secure feeling.


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Selling real estate in Arabia and abroad

Keep real estate or sell it?

One of the key questions clients ask me is whether to sell their overseas real estate holdings when they move back to Canada. While there are many experts who can advise them, there are a lot of motivations that these experts bring to the discussion. A real estate agent? "Sell it!" (because I make a commission on the sale). A financial advisor? "Sell it!" (and invest the funds in my high fee mutual funds!) Friends? "Keep it! Prices will be going up!" ("we don't know this, but really hope this will happen because we own real estate and want it to go up!").

All different perspectives and different motivations.

I take a different perspective in working with my clients. My central question:

"What is right for you, at this stage of your life, for your overall investment and savings picture, and for what your life will look like in Canada?"

I can do this because I have no conflict-of-interest, hidden agenda, or knowledge-based bias. I am only interested in what is best for my clients, given their context, goals, and needs.

Here are some factors that may help your keep/sell considerations:


Related resource:


Check out the related resource on this site: Buying real estate in Canada.



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Moving your money, gold, and investments

Transferring you money, gold, and securities to Canada

Converting and sending your money to Canada is pretty straightforward, but also requires some care to ensure you are getting the best exchange rate. Moving gold and investments requires even more care. Here are some thoughts that may help:

Use a foreign exchange company to move your funds to CAD and to Canada


Banks in Canada made some CAD 42 billion profits in fiscal 2017. Do you know why? Because they capitalize on peoples fears and inability to understand and act on options available to them. One example is exchanging and transfering funds across borders. Banks charge the highest fees for the privilege of them doing your foreign exchange.

When you are sending large sums of money home from Arabia in preparation of your return, the fees can add up to thousands of dollars. And these fees are usually hidden in the "exchange rate" you are given. The price for "trust" you pay when doing a bank-to-bank exchange and transfer of funds is very high.

Another option exists! Consider the use of a foreign exchange company to do your currency exchanges and transfers to Canada. You can save yourself lots of money! Check out some options, with testimonials from other returning Canadians on the Transfering Money and Foreign Exchange page of this site.

Note: I get no commission or other benefit (no "kickbacks") from recommending the use of foreign exchange companies. But I often tell my clients that this one piece of advice just paid for my fees and more. Of course, if you save lots of money using a foreign exchange company as a result of learning to do so on my web site, I will never refuse a Starbucks electronic gift card ;-)

Bringing gold and jewellery to Canada


"Can we bring $650,000 in gold bars with us on the plane from Dubai to Toronto?"

A real question I received some years ago. The answer: Yes.

My suggestion: No.

If you have a lot of gold and expensive jewellery to be brought back to Canada, use a specialized "bullion" and valuables courier company. They specialize in such international movements and your risk of theft will be very low compared with bringing valuables with you on the plane.

Transferring securities to Canada


This is a more complicated question and one that requires a bit more digging for information on your part. If you have your funds locked into a high-fee investment scheme, you may not be able to move your securities at all. If you have bonds or stocks invested through a broker in Arabia and managed by yourself, you should be able to transfer them to a broker in Canada. And finally, if you have securities investments with an American broker, you must transfer them to Canada when you return to Arabia. Canadian residents cannot have broker accounts in the U.S. I found out the hard way when I was unceremoniusly booted from E*Trade in the U.S. to E*Trade in Canada when I returned from the UAE.

Most important question: Check into your rights, options, and the tradeoffs of those options now, as you begin your preparations for moving back to Canada. It may take some thought, research, and time to move securities investments to Canada...or to cash them out instead.


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Schooling for your children in Canada

Moving your children to Canada - schooling

The school system in Canada is very different from that of most schools in Arabia, private or public. Over the years many Canadians living in Arabia have engaged my professional support with questions of moving their children to the Canadian education system (young, teens, or entering post-secondary). I do have some inside expertise as I have been a univerity faculty member for 14 years here and was also closely involved in the K-12 education environment, too. Some considerations:

Young children


Transitioning younger children to the Canadian school system is the simplest age range to work with. Whether your children are attending a British, American, or an International public school in Arabia, the stakes are pretty low in terms of grades when moving them to Canada. They are young enough to transition easily. Social adjustment is the central question you generally work with instead, and children under 12 are usually pretty easy to move to a Canadian public school, which is the choice of most people moving back.

Teenagers


This is the age range that presents the most challenge socially and emotionally for children. They have been going to school with friends for some time now and moving them to a completely different country, system, and social milieu is hard on them. Care must be taken to ensure the move is done with lots of lead time, care, and support for your teenager(s).

"When we moved back to Canada my sister and I cried for a year. We didn't want to leave."

Grades are also starting to become a challenge if your teenager is closing in on the all-important grade 12 grades, which are the grades that determine entry into post-secondary and access to scholarships. In general, moving a teen during grade 11 or 12 is by far the hardest time to move them back to Canada.

Post-secondary entry


Paradoxically, young adults are generally happy to be one their way when they graduate high school abroad and anticipate entering post-secondary studies in Canada. At this age, the challenges I have heard about are all challenges their parents are having with them leaving! The parents are very concerned as to how their son or daughter will apply for and get into a good university in Canada. In addition to this concern is "how does my son/daughter get scholarships?"

Please see the University and College in Canada page of this web site for more information and support for this age range of children.

One final note: Researching and applying for college and university in Canada takes time from abroad. Be sure to begin the process mid-way through grade 11 if entry in September of the year they graduate is desired. 18 months ahead is a good time to really dig into college and university entry planning for people living in Arabia.


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The Health Care System in Canada


Understanding health care in Canada

The health care system in Canada is quite different that of all countries in Arabia. While many Canadian nurses and doctors work in Arabia, they do so in systems that operate with principles and practices that are "westernized", "local" or a mix of the two.

Understanding these differences is important if you are retiring to Canada, have chronic or worrying health concerns, or have medications you wish to ensure continuity of when you move back to Canada.

Key differences include how you access health care, how procedures are handled and paid for, how medication is accessed and paid for, and the general philosophy towards health care.

The central concern Canadians moving back are aware of is the 3 month waiting period that is required in several provinces, including BC and ON. This is generally an easy problem to solve: Most people pay for a "visitors to Canada" health insurance plan from Blue Cross or CAA/BCAA. These plans cover returning Canadians as well as visitors.

I have created a dedicated resource page to help Canadians returning from the U.S. understand the health care system here. Even though this is targeted at Canadians living there, it will also be useful for Canadians living in Arabia:

Health Care in Canada - How Canada's health care system is different from the U.S. system.


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Tips and Insights by country


The UAE


UAE Flag

Moving back from the UAE can be the easiest of all the countries in the region. From experience with several clients and my own move back, the UAE has the most sophisticated logistics (moving your household goods) system, the easiest bureaucracy to navigate for exiting the country, and the most friendly financial system. This does not mean that everything is easy, just that you may be able to move back to Canada more easily than from other places in Arabia.

A key recommendation: Seek referrals and experiences of other expatriates and company HR offices as to the best moving company to use to move back from the UAE. The company we used was "Leader Pack". They did a great job. And a funny story:

A couple of years ago a moving truck pulled up to my condominium building here in Canada. In the open door were boxes. As I walked by, I had a moment of dejavu: The boxes were labeled "Leader Pack". It was a couple of teachers and their son returning from Al Ain, moving into my building. We have since chatted many times. They love being back in Canada.

This is a brand new section, created June 2018. Please contribute your thoughts, questions, recommendations, and tips to help other Canadians moving back from the UAE!


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Qatar


I have had several clients in the last two years who moved back to Canada from Qatar. Their central concerns were personal safety and moving their money back to Canada during times of uncertainty in Qatar. This uncertainty may now have stabilized, as I am hearing less from Canadians in Qatar recently.

Your current experience in Qatar? This is a brand new section, created June 2018. Please contribute your thoughts, questions, recommendations, and tips to help other Canadians moving back from Qatar!


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Saudi Arabia


Saudi Arabia Flag

My clients from Saudi Arabia have a common element to their moves back to Canada: Their employer pays for and arranges their move. This has long been the case for oil industry employees and their families, who live on the famous "compounds" that everyone heard about, but it is also true of teachers, health care specialists, and other professionals.

I bring this up because unlike a move back to Canada from the UAE, where you can arrange your move and handle all the paperwork yourself, clients in Saudi Arabia have had their employer help them arrange and navigate the move as the system is not as streamlined, perhaps, as the UAE, for example.

What is your experience? This is a brand new section, created June 2018. Please contribute your thoughts, questions, recommendations, and tips to help other Canadians moving back from Saudi Arabia!


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Oman


Oman is a quiet country. You hear very little on the public stage about what goes on in Oman. This does not mean that nothing does, just that it seems to quietly go about its business with little attention from the world.

Moving back from Oman has not posed Canadians any signficant challenges that I have heard about. Can you add your thoughts?

This is a brand new section, created June 2018. Please contribute your thoughts, questions, recommendations, and tips to help other Canadians moving back from Oman!


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Kuwait


Clients moving back from Kuwait have had mixed experiences of living there and moving back due to the war there and reconstruction that followed. That was now some time ago, and Canadians now living in Kuwait and moving back do not seem to face and significant barriers and concerns. Can you add your thoughts to this topic?

This is a brand new section, created June 2018. Please contribute your thoughts, questions, recommendations, and tips to help other Canadians moving back from Kuwait!


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Your ideas, considerations, and experiences?

Lifestyle choices when you live in Canada

Please share your ideas, considerations, and experiences relating to returning to Canada from Arabia. I will post them here as help for others. Along with a credit to you will be a big thank you on behalf of the many people you will be helping!

Thank you!

Paul Kurucz

Canada


Latest update to this page: June 2018



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Paul Kurucz

Paul Kurucz - Canada


A happy client:

Hi Paul,

Just to update you - we landed and sailed through customs! So thank you so much for all of your advice...It was a thoroughly pleasant experience.

This is to say thank you for everything. Your advisory has been so incredibly helpful and saved us considerable time and removed room for error.

With best wishes,

Caroline

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