Where to Move so you do not Need to Pay ANY Income Tax (#1) · Issues · Shawna Forrest / tehranoffers

Where to Move so you do not Need to Pay ANY Income Tax

The American polymath Benjamin Franklin memorably said there is 'nothing specific however death and taxes' - however there are a few places in the world where you can avoid paying income tax.
artistride.com
The super-rich have actually long capitalized this, however more people are being lured by the lure of lower-tax jurisdictions for long-lasting wealth conservation.

Yet off-shore relocation is no longer the maintain of the ultra-wealthy.

' Remote work, dual citizenship, international working with trends - they've all lowered the barriers,' states Nigel Green, CEO of deVere Group, a financial advisory and asset management company. 'If [ambitious individuals] are not being rewarded in the house, they're progressively comfortable checking out alternatives abroad.'

In the UK, current financial grenades include the end of non-dom program and inheritance tax breaks on possessions held in overseas trusts, plus a freeze on income tax thresholds that has actually pressed more people into greater tax brackets until at least 2028. Meanwhile, the strategy to consist of pensions as part of inheritance tax from April 2027 is presently in the proposition stage.

The outcome? The UK has lost more billionaires in the previous year than at any other time in history.

Some will want to nations such as Italy, Greece or Switzerland providing flat-tax programs, while others will consider low-tax jurisdictions such as Barbados or Cyprus.

But where will you pay no individual earnings tax at all? Here are six of the finest places to consider:

UNITED ARAB EMIRATES

If you don't desire flashy Dubai there's the calmer Emirati capital Abu Dhabi with its fast-developing cultural island, Saadiyat

Banks, international schools, building, hospitality, healthcare and engineering are all bring in a wave of British expats - an estimated 240,000 live there now

Job chances, terrific environment and more skyscraper-lined vistas you can shake a selfie-stick at, the UAE is quite in demand for its lifestyle and tax advantages.

There is no personal income tax on incomes, investments, or rental income made within the country, there is no capital gains tax (CGT), inheritance tax, wealth tax or yearly tax on around the world assets.

If you don't want glitzy Dubai there's the calmer Emirati capital Abu Dhabi with its fast-developing cultural island, Saadiyat, but they both use beaches, elite infrastructure, healthcare and education.

The UAE can provide business owners what they are stopping working to find in the UK: security, economic development, a pro-business environment and regulative certainty.

Setting up a company is an easy path to residency, consisting of in one of Free Zones, where expats can have 100 per cent ownership without the need for a regional partner or financier.

There are likewise plentiful visa alternatives consisting of the 10-year golden visa that needs you to invest or purchase a residential or commercial property for a minimum of AED 2million (₤ 439,000), digital nomad and freelance visas.

Banks, worldwide schools, building, hospitality, health care and engineering are all bring in a wave of British expats - an approximated 240,000 live there now.

Major deterrents consist of the high expense of housing - leas can be more than in the UK, although the UAE typical cost of living is 15 percent less than the UK - plus severe summer season temperature levels, traffic congestion and UAE's stringent laws and cultural customs will not match everyone.

BAHAMAS. Much closer to Florida than South America, the Bahamas provides a a lot more vibrant environment than the essential Caribbean islands - and no income, capital gains or estate tax.

The provides a steady economy combined with secluded pink-sand beaches, coral reefs and superb cruising

Britons like it too - around 4,100 live there (there's a direct eight-hour flight to the UK), and many have established in Nassau on the island of New Providence

This Atlantic Ocean archipelago, with an American twist, uses a steady economy combined with remote pink-sand beaches, coral reefs and superb sailing.

Privacy, security and way of life make it a preferred destination for lots of North American billionaires. But start-ups, crypto and fintech investors are likewise being drawn to its capital, Nassau.

Along with the worldwide jet set, international brands and benefits have actually gotten here: Nobu, Starbucks, Amazon deliveries, Michelin-starred dining establishments - and it's just a half-hour flight to a lot more in Miami.

But Britons like it too - around 4,100 live there (there's a direct eight-hour flight to the UK), many have actually established in Nassau on the island of New Providence - the expat center with many of the global schools and cultural institutions. Or Freeport on Grand Bahama is more easygoing.

Those who spend at least $1million (₤ 741,000) on a home, financial contribution or investment in a critical sector can protect permanent residency - it's difficult to get a work authorization otherwise. Perhaps the easiest choice? The 1 year Bahamas digital wanderer visa (BEATS), which, unusually for such plans, includes no minimum earnings requirement.

Aside from the danger of cyclones - 2019's Dorian ravaged the Abaco islands and Grand Bahama - the greatest disadvantage is the high expense of living, which is 27 percent more than in the UK according to numbeo.com, with lease prices that are 30 percent higher than the UK.

You'll pay $3,200 (₤ 2,371) a month for a modest two-bedroom home on among New Providence's gated communities.

MONACO. A favoured base for dozens of sports stars, international business people and F1 motorists, Monaco is the tiny tax haven that's simply a seven-minute helicopter trip from Nice Airport on the French Riviera.

The summer season playgrounds of Cap-Ferrat, Cannes and Saint-Tropez are all within easy reach by supercar or one's private yacht moored in Port Hercule, below the Monegasque cityscape of high-rises.

A favoured base for dozens of stars, global businessmen and F1 chauffeurs, Monaco is the small tax haven that's simply a seven-minute helicopter trip from Nice Airport

From high-end shopping to Michelin-starred dining establishments, casinos and beach clubs, the principality has more millionaires per square metre than anywhere else (and prominent individuals like its high security and rigorous privacy laws). More than 2,800 Britons call it home.

Of course they all like it's the lack of income tax, wealth tax and capital gains tax, and the reality that when handing down assets, partners and kids do not pay inheritance or gift tax.

To get irreversible residency in Monaco you'll require to deposit a minimum of EUR500,000 (₤ 421,000) into among its banks and purchase or lease residential or commercial property in Monaco. Non-EU nationals require to get a French long-stay visa before requesting a Monaco residency permit.

These benefits do not come cheap. The expense of living is 127 percent greater than in the UK, groceries are 70 per cent more, dining establishments 50 percent more expensive and rent is an eye-watering 705 per cent more, according to numbeo.com.

You can find a small apartment to buy for around EUR1million (₤ 842,000), however that's all you require for your tax-base - numerous deep-pocketed new arrivals are also buying a bigger residential or commercial property over the border with France, according to Cote d'Azur Sotheby's International Real estate.

SAUDI ARABIA. In the run-up to Saudi hosting the FIFA World Cup in 2034, and as part of its Vision 2030 to transform its economy, Saudi Arabia is opening approximately foreign financial investment.

If you are comfortable about its human rights record, strict laws (alcohol is banned) and social conservatism, not to discuss the searing heat, then a tax-free high wage for a couple of years might be a big sufficient pull.

Yes, there's no individual income tax, but you won't discover the beach clubs or bottomless-brunch culture that you would in Dubai.

In the run-up to Saudi hosting the FIFA World Cup in 2034, and as part of its Vision 2030 strategy to change its economy, Saudi Arabia is opening approximately foreign financial investment

Around 26,000-30,000 Britons reside in the Kingdom, primarily in compounds in Riyadh and Jeddah

Estate representatives report that many expats are moving from Dubai to Saudi for incomes that are 25 percent more than its GCC (Gulf Cooperation Council) neighbour - and there's strong demand for engineering, construction, IT and healthcare employees.

An essential aspect of this is that the Saudi federal government is making it easier for foreigners to buy residential or commercial property - a brand-new Freehold Law is being prepared that will unlock to purchase off-plan residential or commercial properties.

In 2015, Saudi Arabia broadened its own variation of a 'golden visa' - its Premium Residency scheme - that can provide residency if you are not sponsored by an employer. This is open to those with special talents, investors and entrepreneurs. You can likewise invest more than SAR 4million (₤ 790,000) in a residential or commercial property, or make a one-off payment of SAR 800,000 (₤ 158,000).

Around 26,000-30,000 Britons reside in the Kingdom, primarily in substances in Riyadh and Jeddah, however brand-new vacation resort-style developments have actually been constructed, although rental rates can be high. In Sedra, a popular community in Riyadh by ROSHN Group, a five-bedroom rental property is being promoted at SAR 160,000 per year (₤ 31,600).

The expense of living is around 35 per cent lower than in the UK, according to numbeo.com, but many expats get generous housing and private health care bundles. The worldwide schools are broadening quick, with Sherborne School Jeddah (a branch of the UK independent school) opening this year.

BERMUDA

If you do not desire the searing heat of the Middle East and prefer the unwinded tempo of a Caribbean island, Bermuda is a veteran favourite for British expats

The high cost of living will soak up some of the tax benefits. A two-bed townhouse in Paget may cost $7,800 (₤ 5,785) a month to lease

If you don't want the searing heat of the Middle East and choose the relaxed pace of a Caribbean island, Bermuda - a long-time preferred with British expats - might be for you.

Britons are the greatest group of non-Bermudians in the British Overseas Territory, numbering 3,942, according to the last census. While families gravitate to Hamilton for the worldwide schools, the central parish of Paget uses homes a brief stroll from pink-sand beaches

Security, safety and a high requirement of living are the pulls - plus the enticement of no income tax or capital gains tax. Life revolves around the beach, barbecues and weekend boat celebrations - and it's only 2 hours to New York for a weekend culture fix.

Less enticing are the high customs duties that makes purchasing goods costly, the constraints of small-island life (some find it boring) - and high expense of living.

You can go to Bermuda without a visa for as much as 180 days in any 12-month period, however if you wish to work in Bermuda, you must get a task deal and work permit before you get in the country. There specify opportunities for business owners and fintech businesses. There's likewise a 1 year 'Work from Bermuda' digital wanderer visa, however employment opportunities on the island are restricted.

Britons are the biggest group of non-Bermudians in the British Overseas Territory, numbering 3,942, according to the last census

Foreigners can just buy residential or commercial properties valued above a minimum Annual Rental Value (ARV), so only higher-value residential or commercial properties. The current ARV is $126,000 (₤ 93,453) for houses - but is due to be reviewed on July 1 this year. This amount relates to around $3million (₤ 2.2 million) for homes and $600,000 (₤ 445,000) for condos, according to Sotheby's International Real estate. Foreigners should use for a licence to acquire.

The high cost of living will absorb some of that tax advantage. A two-bed townhouse in Paget might cost $7,800 (₤ 5,785) a month to lease - rents are 215 per cent higher than the UK, according to numbeo.com, although general expense of living is only 97 per cent more.

CAYMAN ISLANDS

Like Bermuda, the Cayman Islands also has tax advantages: no corporation, earnings, capital gains or estate tax

Like Bermuda, the Cayman Islands is a British Overseas Territory providing a tax-free and beachside way of life just 90 minutes south of Miami.

A high requirement of living paired with low criminal offense rate and Caribbean environment implies an expat way of life revolving around breakfasts, boat celebrations and barbecues, with much of this centred around Seven-Mile Beach and west of George Town, the most significant town and company center of the three Cayman Islands.

Find out more

EXCLUSIVE

How to relocate to Qatar: Offering high incomes, tax advantages and year-round sunlight

Why select Cayman over Bermuda? Some say Cayman's landscapes is less impressive however the Cayman way of life is better, specifically the foodie scene centred about Grand Cayman. Others say that while the cost of living is high in Cayman (it's still 41 per cent more than in the UK) it's lower than Bermuda.

It likewise has tax benefits: no corporation, income, capital gains or inheritance taxes.

Britons can remain up to 180 days without a visa then there are different routes to residency including a work license from a company or the digital wanderer visa, the Global Citizen Concierge Program, which requires a minimum salary of $100,000 (₤ 74,242) however lasts 2 years.

There are other paths through substantial forms of financial investment consisting of a Certificate of Direct Investment (minimum KYD 1million/ ₤ 906,000). Or spending a minimum of KYD 2million (₤ 1.8 million) on a residential or commercial property offers you permanent residency (plus independent monetary resources) however not the right to work.

Foreigners can buy residential or commercial property but stamp responsibility at 7.5 per cent is high. You can buy a wise two-bedroom apartment for ₤ 350,000-₤ 400,000 around George Town or lease a one-bedroom condo for around ₤ 2,300 a month.

Downsides consist of small-island mentality, few employment alternatives and high electricity and home insurance coverage expenses - all that said, the hurricane threat is low.

Dubai

The American polymath Benjamin Franklin memorably said there is 'nothing specific however death and taxes' - however there are a few places in the world where you can avoid paying income tax. [artistride.com](http://www.artistride.com/)
 The super-rich have actually long capitalized this, however more people are being lured by the lure of lower-tax jurisdictions for long-lasting wealth conservation. 
 Yet off-shore relocation is no longer the maintain of the ultra-wealthy. 
 ' Remote work, dual citizenship, international working with trends - they've all lowered the barriers,' states Nigel Green, CEO of deVere Group, a financial advisory and asset management company. 'If [ambitious individuals] are not being rewarded in the house, they're progressively comfortable checking out alternatives abroad.' 
 In the UK, current financial grenades include the end of non-dom program and inheritance tax breaks on possessions held in overseas trusts, plus a freeze on income tax thresholds that has actually pressed more people into greater tax brackets until at least 2028. Meanwhile, the strategy to consist of pensions as part of inheritance tax from April 2027 is presently in the proposition stage. 
 The outcome? The UK has lost more billionaires in the previous year than at any other time in history. 
 Some will want to nations such as Italy, Greece or Switzerland providing flat-tax programs, while others will consider low-tax jurisdictions such as Barbados or Cyprus. 
 But where will you pay no individual earnings tax at all? Here are six of the finest places to consider: 
 UNITED ARAB EMIRATES 
 If you don't desire flashy Dubai there's the calmer Emirati capital Abu Dhabi with its fast-developing cultural island, Saadiyat 
 Banks, international schools, building, hospitality, healthcare and engineering are all bring in a wave of British expats - an estimated 240,000 live there now 
 Job chances, terrific environment and more skyscraper-lined vistas you can shake a selfie-stick at, the UAE is quite in demand for its lifestyle and tax advantages. 
 There is no personal income tax on incomes, investments, or rental income made within the country, there is no capital gains tax (CGT), inheritance tax, wealth tax or yearly tax on around the world assets. 
 If you don't want glitzy Dubai there's the calmer Emirati capital Abu Dhabi with its fast-developing cultural island, Saadiyat, but they both use beaches, elite infrastructure, healthcare and education. 
 The UAE can provide business owners what they are stopping working to find in the UK: security, economic development, a pro-business environment and regulative certainty. 
 Setting up a company is an easy path to residency, consisting of in one of Free Zones, where expats can have 100 per cent ownership without the need for a regional partner or financier. 
 There are likewise plentiful visa alternatives consisting of the 10[-year golden](https://meza-realestate.com) visa that needs you to invest or purchase a residential or commercial property for a minimum of AED 2million (₤ 439,000), digital nomad and freelance visas. 
 Banks, worldwide schools, building, hospitality, health care and engineering are all bring in a wave of British expats - an approximated 240,000 live there now. 
 Major deterrents consist of the high expense of housing - leas can be more than in the UK, although the UAE typical cost of living is 15 percent less than the UK - plus severe summer season temperature levels, [traffic congestion](https://bomja.ir) and UAE's stringent laws and cultural customs will not match everyone. 
 BAHAMAS.
Much closer to Florida than South America, the Bahamas provides a a lot more vibrant environment than the essential Caribbean islands - and no income, capital gains or estate tax. 
 The provides a steady economy combined with secluded pink-sand beaches, coral reefs and superb cruising 
 Britons like it too - around 4,100 live there (there's a direct eight-hour flight to the UK), and many have established in Nassau on the island of New Providence 
 This Atlantic Ocean archipelago, with an American twist, uses a steady economy combined with remote pink-sand beaches, coral reefs and superb sailing. 
 Privacy, security and way of life make it a preferred destination for lots of North American billionaires. But start-ups, crypto and fintech investors are likewise being drawn to its capital, Nassau. 
 Along with the worldwide jet set, international brands and benefits have actually gotten here: Nobu, Starbucks, Amazon deliveries, Michelin-starred dining establishments - and it's just a half-hour flight to a lot more in Miami. 
 But Britons like it too - around 4,100 live there (there's a direct eight-hour flight to the UK), many have actually established in Nassau on the island of New Providence - the expat center with many of the global schools and cultural institutions. Or Freeport on Grand Bahama is more easygoing. 
 Those who spend at least $1million (₤ 741,000) on a home, financial contribution or investment in a critical sector can protect permanent residency - it's difficult to get a work authorization otherwise. Perhaps the easiest choice? The 1 year Bahamas digital wanderer visa (BEATS), which, unusually for such plans, includes no minimum earnings requirement. 
 Aside from the danger of cyclones - 2019's Dorian ravaged the Abaco islands and Grand Bahama - the greatest disadvantage is the high expense of living, which is 27 percent more than in the UK according to numbeo.com, with lease prices that are 30 percent higher than the UK. 
 You'll pay $3,200 (₤ 2,371) a month for a modest two-bedroom home on among New Providence's gated communities. 
 MONACO.
A favoured base for dozens of sports stars, international business people and F1 motorists, Monaco is the tiny tax haven that's simply a seven-minute helicopter trip from Nice Airport on the French Riviera. 
 The summer season playgrounds of Cap-Ferrat, Cannes and Saint-Tropez are all within easy reach by supercar or one's private yacht moored in Port Hercule, below the Monegasque cityscape of high-rises. 
 A favoured base for dozens of stars, global businessmen and F1 chauffeurs, Monaco is the small tax haven that's simply a seven-minute helicopter trip from Nice Airport 
 From high-end shopping to Michelin-starred dining establishments, casinos and beach clubs, the principality has more millionaires per square metre than anywhere else (and prominent individuals like its high security and rigorous privacy laws). More than 2,800 Britons call it home. 
 Of course they all like it's the lack of income tax, wealth tax and capital gains tax, and the reality that when handing down assets, partners and kids do not pay inheritance or gift tax. 
 To get irreversible residency in Monaco you'll require to deposit a minimum of EUR500,000 (₤ 421,000) into among its banks and purchase or lease residential or commercial property in Monaco. Non-EU nationals require to get a [French long-stay](https://riserealbali.com) visa before requesting a Monaco residency permit. 
 These benefits do not come cheap. The expense of living is 127 percent greater than in the UK, groceries are 70 per cent more, dining establishments 50 percent more expensive and rent is an eye-watering 705 per cent more, according to numbeo.com. 
 You can find a small apartment to buy for around EUR1million (₤ 842,000), however that's all you require for your tax-base - numerous deep-pocketed new arrivals are also buying a bigger residential or commercial property over the border with France, according to Cote d'Azur Sotheby's International Real estate. 
 SAUDI ARABIA.
In the run-up to Saudi hosting the FIFA World Cup in 2034, and as part of its Vision 2030 to transform its economy, Saudi Arabia is opening approximately foreign financial investment. 
 If you are comfortable about its human rights record, strict laws (alcohol is banned) and social conservatism, not to discuss the searing heat, then a tax-free high wage for a couple of years might be a big sufficient pull. 
 Yes, there's no individual income tax, but you won't discover the beach clubs or bottomless-brunch culture that you would in Dubai. 
 In the run-up to Saudi hosting the FIFA World Cup in 2034, and as part of its Vision 2030 strategy to change its economy, Saudi Arabia is opening approximately foreign financial investment 
 Around 26,000-30,000 Britons reside in the Kingdom, primarily in compounds in Riyadh and Jeddah 
 Estate representatives report that many expats are moving from Dubai to Saudi for incomes that are 25 percent more than its GCC (Gulf Cooperation Council) neighbour - and there's strong demand for engineering, construction, IT and healthcare employees. 
 An essential aspect of this is that the Saudi federal government is making it easier for foreigners to buy residential or commercial property - a brand-new Freehold Law is being prepared that will unlock to purchase off-plan residential or commercial properties. 
 In 2015, Saudi Arabia broadened its own variation of a 'golden visa' - its Premium Residency scheme - that can provide residency if you are not sponsored by an employer. This is open to those with special talents, investors and entrepreneurs. You can likewise invest more than SAR 4million (₤ 790,000) in a residential or commercial property, or make a one-off payment of SAR 800,000 (₤ 158,000). 
 Around 26,000-30,000 Britons reside in the Kingdom, primarily in substances in Riyadh and Jeddah, however brand-new vacation resort-style developments have actually been constructed, although rental rates can be high. In Sedra, a popular community in Riyadh by ROSHN Group, a five-bedroom rental property is being promoted at SAR 160,000 per year (₤ 31,600). 
 The [expense](https://drakebayrealestate.com) of living is around 35 per cent lower than in the UK, according to numbeo.com, but many expats get generous housing and private health care bundles. The worldwide schools are broadening quick, with Sherborne School Jeddah (a branch of the UK independent school) opening this year. 
 BERMUDA 
 If you do not desire the searing heat of the Middle East and prefer the unwinded tempo of a Caribbean island, Bermuda is a veteran favourite for British expats 
 The high cost of living will soak up some of the tax benefits. A two-bed townhouse in Paget may cost $7,800 (₤ 5,785) a month to lease 
 If you don't want the searing heat of the Middle East and choose the relaxed pace of a Caribbean island, Bermuda - a long-time preferred with British expats - might be for you. 
 Britons are the greatest group of non-Bermudians in the British Overseas Territory, numbering 3,942, according to the last census. While families gravitate to Hamilton for the worldwide schools, the central parish of Paget uses homes a brief stroll from pink-sand beaches 
 Security, safety and a high [requirement](https://preconcentral.com) of living are the [pulls -](https://premiergroup-eg.com) plus the enticement of no income tax or capital gains tax. Life revolves around the beach, barbecues and weekend boat celebrations - and it's only 2 hours to New York for a weekend culture fix. 
 Less enticing are the high customs duties that makes purchasing goods costly, the constraints of small-island life (some find it boring) - and high expense of living. 
 You can go to Bermuda without a visa for as much as 180 days in any 12-month period, however if you wish to work in Bermuda, you must get a task deal and work permit before you get in the country. There specify opportunities for business owners and fintech [businesses](https://dreampropertiespr.com). There's likewise a 1 year 'Work from Bermuda' digital wanderer visa, however employment opportunities on the island are restricted. 
 Britons are the biggest group of non-Bermudians in the British Overseas Territory, numbering 3,942, according to the last census 
 Foreigners can just buy residential or commercial properties valued above a minimum Annual Rental Value (ARV), so only higher-value residential or commercial properties. The [current ARV](https://akarat.ly) is $126,000 (₤ 93,453) for houses - but is due to be reviewed on July 1 this year. This amount [relates](https://ghurairproperties.com) to around $3million (₤ 2.2 million) for homes and $600,000 (₤ 445,000) for condos, according to Sotheby's International Real estate. Foreigners should use for a licence to acquire. 
 The high cost of living will absorb some of that tax advantage. A two-bed townhouse in Paget might cost $7,800 (₤ 5,785) a month to lease - rents are 215 per cent higher than the UK, according to numbeo.com, although general [expense](https://stayonrent.in) of living is only 97 per cent more. 
 CAYMAN ISLANDS 
 Like Bermuda, the Cayman Islands also has tax advantages: no corporation, earnings, capital gains or estate tax 
 Like Bermuda, the Cayman Islands is a British Overseas Territory providing a tax-free and [beachside](https://www.defclarea.org) way of life just 90 minutes south of Miami. 
 A high requirement of living paired with low [criminal offense](https://basha-vara.com) rate and Caribbean environment implies an expat way of life revolving around breakfasts, boat celebrations and barbecues, with much of this centred around Seven-Mile Beach and west of George Town, the most significant town and company center of the three Cayman Islands. 
 Find out more 
 EXCLUSIVE 
 How to relocate to Qatar: Offering high incomes, tax advantages and year-round sunlight 
 Why select Cayman over Bermuda? Some say Cayman's landscapes is less impressive however the Cayman way of life is better, specifically the foodie scene centred about Grand Cayman. Others say that while the cost of living is high in Cayman (it's still 41 per cent more than in the UK) it's lower than Bermuda. 
 It likewise has tax benefits: no corporation, income, capital gains or inheritance taxes. 
 Britons can remain up to 180 days without a visa then there are different routes to residency including a work license from a company or the digital wanderer visa, the Global Citizen Concierge Program, which requires a minimum salary of $100,000 (₤ 74,242) however lasts 2 years. 
 There are other paths through substantial forms of financial investment consisting of a Certificate of Direct Investment (minimum KYD 1million/ ₤ 906,000). Or spending a minimum of KYD 2million (₤ 1.8 million) on a residential or commercial property offers you permanent residency (plus independent monetary resources) however not the right to work. 
 Foreigners can buy residential or commercial property but stamp responsibility at 7.5 per cent is high. You can buy a wise two-bedroom apartment for ₤ 350,000-₤ 400,000 around George Town or lease a one-bedroom condo for around ₤ 2,300 a month. 
 Downsides consist of small-island mentality, few employment alternatives and high electricity and home insurance coverage expenses - all that said, the hurricane threat is low. 
 Dubai