Friday, October 11, 2024

Timeline for Our Relocation to Czechia

Here is a timeline of our efforts to relocate out of the USA:

2010 – I ended my second year in New York City with a spiritual cleansing.


February 21, 2011 – Lewis (a native of Manhattan) and I started dating, and we began our relationship.


May 2011 – After 7 years working at my company's flagship store on Long Island, I was recruited to another company's new flagship in NYC.  It was my first job in Manhattan, and I nurtured hopes of advancement at its Corporate Headquarters near the store.

Sept 2011 – After arduous searches for apartment rentals (with callous realtors), I relocated to Astoria.  After moving 3 times in 3 years, I disregarded the problems with my apartment and stayed there for 9 years.  Statistically, such longevity at one address made me desirable to future landlords and employers.  During those years, I made efforts to improve my Credit Score (damaged by my scheming parents), so I withstood hardships because longevity at one address is valuable to creditors, too.  At that time, my damaged credit was 546.  Now, it is 800+ with a rating of "Excellent".

Oct. 2011 – Lewis and I visited Paris, Loire Valley, Barcelona, and Madrid.  We loved Europe: beauty, history, preservation, cost, food, public transportation, high-speed trains, Universal Healthcare, and Life-Work balance.  Yet, Lewis was lovingly determined to stay near his elderly grandmother in NYC while she was alive.

January 2012 – As a gesture of trust and love, I gave Lewis a key to my apartment, and we lived together since then.

June 2012 – We enjoyed a weekend getaway in Boston: cozy, clean, walkable, and courteous.  Friends told us to live there (to escape NYC's never-ending filth and corruption), but Boston is still plagued by America's for-profit healthcare, financial scandals, outdated infrastructure, and "overpriced everything" (3x more than prices in European capitals).

September 2012 – We explored Canada, yet its infrastructure is unflatteringly similar to USA.  Our friends in Toronto warned us about Canada's unpleasant similarities to the USA: a lack of vacation time and a lack of Life-Work Balance. 

July 2014 – I resigned from my cruel company and segued to a short-lived job with a business advisor named Billie.  She became unwell, and the job was suspended indefinitely.

November 2014 – Lewis and I visited China.  During a visit with Lewis' friend in Shanghai, we learned about Denmark and were encouraged to explore it as one of the "best places in the world".

April 2015 – I was recruited by Richemont and told that I would be hired at the grand reopening of the Cartier Mansion.  Weeks passed while their confusion renegotiated which role I had.  Then, due to their internal delays, they told me to stay employed elsewhere until they were ready for me.  My recruiter was as shocked as I was at that unprofessionalism, but I endured it.

May 2015 – Lewis resigned from his company, after 6 successful years.  He escaped before it lost its market-share in the USA.  (Eventually, the inept President and Vice President were told to find jobs elsewhere).

December 2015 – Lewis told me that he was also chosen for Cartier!  The chances of both of us being selected from thousands of applicants was miraculous!  

June 2016 – We were officially hired at Cartier, after its many unorganized delays.

July 2016 – We visited our friend in Florida for a 4-day weekend and hated its heat, congestion, cost, and glut culture.

August 2016 – Cartier sent me to Beverly Hills, California, for 2 weeks of training.  I liked the climate and vibe, but not the traffic or costs.

September 2016 – Lewis’ father died.

November 2016 – We visited our friend in Japan.  Traveling to three cities, we loved the cleanliness, infrastructure, and decency that don't exist in America.  Alas, the language made it unsuitable to relocate there.

November 2016 – Startling the world, Trump was elected as US President.  We lost more respect for our nation.

January 2017 – Lewis left Cartier's downward-spiraling Mansion.  70% of employees left, and many expats returned to their nations where things were better.  Lewis was hired at another French brand on upper Madison Avenue.  Just like at Cartier, he saw a huge disparity of treatment between the employees in France and overworked employees in America.  The same company treated both groups very differently, and Americans were treated like third-world workers with the least benefits, perks, and nonexistent Life-Work Balance (because America's government doesn't care to have laws to protect employees).

April 2017 – Lewis’ grandmother died.

June 2017 – My legal fiasco finally ended with my law-breaking parents, and I was free from their schemes.  At that point, Lewis and I did not have "ties" to America.  His mother supported our goal to relocate abroad.  It was similar to how our ancestors emigrated to come to the USA.  If they relocated for a better life, we could, too.  But instead of America offering a "Better Life", Europe did.  (Most citizens here are still waiting for America to become "great" again).  

June 2017 – Cartier sent me to Texas for a week of training.  

October 2017 – We vacationed in the Dominican Republic and disliked its poverty, heat, humidity, and bugs.

November 2017 – We visited Chicago and disliked its cold, crime, traffic, political corruption, and high costs that were similar to NYC.

November 2017 – I was recruited to the corporate office of another company in Manhattan.  3 of my former colleagues followed me to escape the bullying and mismanagement at Cartier.  Nonetheless, I outlasted them because they soon hated the new corporate environment: sexual harassment, anti-white racism, and brutal favoritism that penalized anyone who didn't "kiss ass" to the supervisors.

May 2018 – Lewis was hired by Chanel in SoHo and loved the company's culture, products, compensation, and management.

October 2018 – We travelled to India and savored its heritage, history, and food.  

April 2019 – We visit Copenhagen, Denmark, and we really admired the city’s culture.  Alas, being known as "Best Place on Earth" made their immigration process very exclusive.  We discovered that nations of the European Union are obligated to hire Europeans before the rest of the world... and many European employers don't exert themselves to hire foreigners.

August 2019 – We went to Amsterdam in the Netherlands.  We loved many things about the city, but many employers require employees to speak Dutch before they can be hired.  

November 2019 – I quit.  By then, I outlasted 5 people on my 8-person team, and I outlasted 3 managers in 2 years who could not implement changes.  Lewis asked his company about a transfer to Amsterdam, but they were noncommittal.  The company's Human Resources team didn’t reply with information until December 2021!  In the meantime, we began emails with a Dutch relocation agency and IN Amsterdam expat services.  They failed to mention the requirement of Dutch fluency.  They only told us that as soon as Chanel approved Lewis' transfer, we can go… and they told us what topics to start learning (which we did).  

December 2020 – The global pandemic was starting to be understood in America, and our intended trip to Singapore was cancelled.  So, we used the airline credit and hotel credit to plan a trip to London, where travel was still allowed.

January 2020 – The COVID-19 pandemic was finally reported in the USA after a huge delay due to its inept government and clueless media.  But no lockdowns began.

Feb. 2020 – My final interviews for new job were cancelled, as COVID eliminated possibilities.  Milan shut down into full quarantine.  We scrambled to finagle for 2-year credits for our airfare and hotel in London.

March 2020 – Italy initiated a stay-at-home lockdown, yet uneducated American college students flocked to Florida for Spring Break and ignored Social Distancing.  Weeks later, America implemented a lockdown, yet arrogant citizens openly defied it... and spread infections.  Avoiding that insanity, Lewis and I remained safely at home.  While life was home-based around the world, we enrolled in online Dutch language lessons and earned a completion certificate by June.  We invested months studying and learning things to acquaint ourselves with Dutch history, culture, infrastructure, transportation, innovations, regions, civic necessities, and social values.  I also self-published 3 novels!

September 2020 – Hating our antiquated-yet-expensive apartment (third-world status), we moved to a condominium in Astoria.  We downsized our stuff and purged unneeded possessions, and became happier living "lighter".  Lewis also helped his mother vacate the apartment where he was born, and his mom moved into the apartment formerly owned by his grandma.  

October 2020 – I was hired by Prada as E-Commerce Order Management Specialist, to start my role on November 1 at their corporate headquarters in NYC and also work remotely.

April 2021 – Lewis renewed efforts to find job openings in Amsterdam, and his managers repeatedly follow-up with HR.  Prada did not have jobs overseas, and the four people on my work-team quit.  A new manager was hired, and she hired two Team Leads (both resigned before the end of the year).  I started training a subordinate to do my role.  Due to the stress and company's bad infrastructure, she resigned after 4 months… as many store-level and corporate employees did.

May 8, 2021 – As soon as permissible, Lewis and I got fully vaccinated with our second doses from Pfizer.

June 2021 – Travel between USA and Europe was finally permitted.  Cautiously, we waited.

September 2021 – We used our credits for hotels and British Airways to travel to London, England, and we adored it!  Career prospects were better—without any language barrier.  Due to Brexit, the United Kingdom didn’t give job preference to EU people; everyone outside of the UK was equal.  Lewis asked his company for a transfer to London, but they remained unhelpful and avoided giving information.  It seemed as if they didn't want to help and wanted him to stop asking.

October 2021 – We visited Helsinki, Finland because it was the United Nation’s Happiest Place (even during the Pandemic).  We liked it, but we were nonplussed.  

Dec 2021 – Chanel’s Human Resources team finally said that Lewis was rejected for a job in Amsterdam because he didn’t have fluency in Dutch language/writing.  It was an abrupt letdown after a long-delayed answer.  


January 2022 – Lewis followed-up with his company about Chanel's many jobs in London.  My manager at Prada took an indefinite “leave of absence” and my newest subordinate felt exhausted by our workload, mandatory overtime, never-ending problems, and pressure from our Vice President who focused on petty projects while derailing main work during the busiest time of the year.  

February 2022  After two years of stressful exasperation against monumental problems at Prada (and outlasting my colleagues, assistant manager, manager, and 12 coworkers from the neighboring department), I resigned... and that was fortunate.  Weeks later, the vice president whom we reported to also resigned, and I discovered that she had planned for me to take the burden of her departure.  I beat her.  


Weeks later, I was hired by a company to work at their corporate office as National Customer Service Manager, thanks to an endorsement from my Director at a prior job.

August 2022 – Frustrated by Chanel's lack of responses, Lewis and I flew to London, where Lewis made an appointment with its Human Resources director.  Lewis qualified for an internal overseas transfer... but NYC's corporate team was unwilling to help him leave their territory.  


After our vacation, we returned to NYC, and Chanel told Lewis that companies don't provide international transfers for sales associates.  But, Lewis showed proof that Cartier (another French company) does help salesmen.  Lying to him, Chanel claimed that they only sponsored transfers for management.  Soon, Lewis discovered that Chanel gave a transfer for salesman from Italy to relocate to California, and it sponsored a corporate employee to transfer to London as a salesman--despite that employee lacking selling expertise!  Outraged by that, we strengthened our efforts to relocate to Europe without help from our European companies.


November 2022 – We traveled to Germany and met a great fellow in Berlin.  He advised us to visit Prague as a possibility for our relocation.  We had our 2022 vacations booked already, and I only got 2 weeks of vacation per year from my company, so we planned our trip to Prague for the beginning of 2023.  We stayed connected with our new friend, and he knew a company that would hire both of us in Prague if we liked the city and its society.  


February 2023 – We visited friends in Italy and explored Milan, Florence, and Rome.  Full of encouragement, our friends gave tips for relocation to Europe.  When we returned to NYC, I was recruited to start a new job with a Swiss company at their Manhattan headquarters.

August 2023 – We travelled to Oslo, Norway and admired its history, restaurants, and infrastructure.  When I returned to work, the Chief Information Officer (with 30 years at the company) quit violently because he was exasperated with the executives' drastic miscalculations, cheapness, and deterioration of workforce.  Instead of changing their behavior, the Swiss executives chose an idiot from Accounting to oversee the entire USA, and his inept bullying and cheapness caused 10 people to quit during the next few months.  Despite my alerts to Switzerland, the executives blatantly told me that they don't care.  Salesmen resign, businesses closed their accounts, and the national level of sales plummets by half!  

November 2023 – We went to Spain: Madrid and Valencia.  Our former coworker was from Spain and gave us suggestions for relocation to Europe.  When I returned to work, the Swiss executives sent an inspector from England.  He praised me (and the team that I managed), and he absolutely hated the bully who was the Office Manager in charge of the USA territory.  But because his report criticized that "idiot", the Swiss men discarded it.  The inspector couldn't believe that the idiot was allowed to thrive, and he felt sorry for me because my efforts were wasted.  Hearing about my goal for emigrating, he told me about the better treatment of employees in Europe.  Meanwhile, Lewis' company made life harder and harder for employees to achieve their goals.  (Yet, if they failed, their punishment was harsher and deprived them of more income).  Undaunted, he succeeded where most employees did not, and he achieved a promotion and was ranked as the second-highest earner.  He outlasted 6 managers during his 6-year tenure.

February 2024  Lewis and I loved Prague and invested both of my weeks of vacation to immerse ourselves in it.  Our friend in Germany connected us with people there, and we met them for interviews.  The company that would hire us was impressed with our skills and careers.  Its director said that it was rare to find two candidates with such excellence--especially who knew to accept the value of European life instead of higher American salaries.  (More money is useless if your life is tainted).  We met with Prague's Immigration Integration Center and had an appointment with an expat-friendly bank.  We hired a Food Tour to learn about Prague and Czech culture, and the company's owner was impressed with us and volunteered to help us relocate to Czechia.  We assured everyone that we were not expats (temporary residency); we were immigrants (permanent residency) who will attain citizenship.

April 2024  We interviewed with the owner of the company in Prague and accepted job offers.  Notarized paperwork was mailed from Czechia, and we signed it.  We contacted the Czech Consulate in NYC and accepted their first available appointment: June 5.  In the meantime, we continued online research about Czech culture, social values, holidays, history, immigration, transit, prices, and real estate processes.  On social media, we followed dozens of national, municipal, business, and social groups... and we learned a lot about life in Prague and the nation.

June 2024  The consulate's Visa Officers processed our relocation applications, affidavits, and the notarized paperwork from Prague about our employment and temporary housing.  They predicted 30-40 days before we were accepted, and their website warned that some applications need 90 days.  I resigned from my hellhole job to focus on our relocation.  My team celebrated my departure with a handmade luncheon, and they thanked me for my work.  The executives never spoke to me from Switzerland.  After me, three members of my team also quit: they had 7-years, 8-years, and 20-years with the company.  Hearing that I began my new job in Europe with 5 weeks of vacation, one colleague was sad because she was forced to work there for 20+ years to merely achieve 4 weeks!  Years ago, she moved from Nepal to the USA for a better life, but now things are better in Nepal!

August 2024  After 60 days, we emailed the consulate, and they said that the applications were still being processed.  In the meantime, we purged unneeded possessions, chose an international mover, researched how to convert our cellular plans, arranged bank accounts that could do international money transfers from our mobile devices (shockingly, not many in America can do that), finalized our taxes, and made arrangements with our condo.  Every night, we watched videos by expats in Prague, and we read blogs by immigrants.  We got acclimated with the city's districts, rents, and learned about how to avoid problems.

September 2024 – Our visas were approved on the 89th day, and we had to buy temporary insurance (30 days) until we got Universal Healthcare from our employer.  Immediately, we searched for apartments in Prague.  To be attractive as customers, we never asked for discounts or haggled the prices.  We contacted each realtor to accept the rent, arrange a virtual tour, and proceed with creating a lease.  Weeks passed, and we tried not to worry.  By then, Lewis knew Integration staffers in Prague who offered to translate documents.  Our boss helped us, as did the banker we knew in Prague.  

October 2024 - Finally, we connected with a realtor who created a Reservation Contract (to block other realtors from our property) and a lease.  We had a video-interview with the landlord, and our boss called her to endorse us.  She approved our lease, and we paid promptly.  Lewis resigned and generously gave a 3-week notice.  His colleagues feasted with him for three nights, and they celebrated his success and will miss him dearly.

*For every job interview, hiring process, and rent agreement in our lives, Lewis and I are always praised for our promptness... usually faster than the "professionals" we deal with.

     During that excruciating wait, suspense accumulated.  We felt like musicians waiting for the conductor to move his baton and start the music. 


     However, when the signal was given to us, we throttled ahead like a turbo-charged speedster!  Join us for future blog posts to see what happened!



Thursday, October 3, 2024

Renting an Apartment in Prague

      New York City is America's richest city, yet it is a cesspool of scamming and uncaring realtors.  Coming from that, the ineptitude and slowness of real estate brokers in Prague was more manageable.  After watching dozens of expat videos and reading dozens of blogs and chat-pages from immigrants, Louis and I were still unprepared.  So, I will graciously inform you.


     Foremost, we recommend using SRealty as the most reliable website for researching apartments (flats) in Czechia.  It is free to use.  Other webpages requests fees to contact owners.  Reputable realtors recommend it, too.



     Lewis and I were delighted that almost every apartment in Prague included amenities of civility that are absent in much of America.  Americans overpay 3-times the price, but they get less.  Additionally, Americans must overpay more to actually achieve decency.  (As I mentioned in prior blog entries, Americans must pay 3x the price in Prague to get the same size apartment, but it will be lower quality and outdated.  Americans must overpay 6x the price to get decency).  For example, most apartments in Prague include dining tables (not merely eating counters attached to kitchens).  These images are from apartments priced at $900 per month...




     Unlike America's third-world habit from the 1950s of eating on the sofa from food-trays...


... Czechs eat their meals on tables and chairs.  That improves Life Happiness because people eat in dignified ways.  

     Prague's apartments usually include balconies or terraces, which are considered "luxuries" in the USA.  Most of them are equipped with dishwashers and washing machines... which are classified as "luxuries" in America that cost extra.  Regardless of size or price, most of Prague's apartments are refitted with updated kitchens and bathrooms with modern fixtures.  In America, "affordable apartments" are neglected by cheap landlords who uncaringly make tenants use facilities that are 40+ years old.  Please use this link to see examples:

https://www.blogger.com/blog/post/preview/4450910486741560693/9120747056891054801

     On the topic of modern technology, many old buildings were improved with modern electrical circuitry, plumbing, and elevators, so they are comparable to new buildings.  Historically-preserved buildings in the famous City-Center probably don't have elevators, but the other boroughs do.  That type of improvement rarely happens in "prewar era" buildings in America.  NYC is inundated with unimproved Walk-Up apartment buildings, and its greedy landlords don't care.  

     For smart sanitary purposes, toilets in Czechia are often built into separate rooms, so toilets are not close to where you brush your teeth.  That reminded us of the clean societies in Japan and the Netherlands.  They are usually equipped with small sinks, and that is handy for guests who can stay out of your personal bathroom.


     It makes cohabitation convenient if one person uses the shower and another wants to use the toilet.  That is truly first-world.  Rarely do American builders want to invest in that infrastructure.  

     Another bonus is that most first-world nations beyond America invested in helpfully-dense public transit systems.  Prague has the best in the world, offered at fair prices.  Therefore, almost all of its apartments are near routes for trams, buses, Metro trains, or commuter trains... and that convenience doesn't increase the price as it happens in America!  *Relatedly, we recommend downloading the PID transit app and buying the Annual Ticket (Pass).  One year of all-inclusive transportation (including commuter trains and ferries, which are additional costs in America) is a great value.  NYC's dilapidated transit system is one of the worst in the world, yet it costs 10-times the price as Prague's magnificence!

     Each time that we considered a property, we used the PID app to locate nearest public transportation.  Vastly superior to America, the app also shows stairs and entrances to each Metro (subway) station, and all stations have escalators and elevators... that truly function.  The app also helped us calculate travel times to places, and it is searchable so when you start typing a name, it finds it for you.  It was better than using Google Maps.  In addition, SRealty shows the closest stores, grocers, and civic amenities to every apartment.

     Thanks to my online research, I learned tips from one of Prague's honest realtors, Daniel Kotula, who is a native Praguer.  His webpage has links to a plethora of his helpful videos that educate home-seekers and describe life in Prague: transit, parks, annoyances, taxes, schools, affordable food, well-made baked goods, parking, and cafes.  He only helps home-buyers (not renters), but I emailed him for advice on reputable realtors.  Nobody answered.  Despite that letdown, his information and videos are useful:

https://realtorpraguekotula.cz/

     These are his tips:

1. Get a three-party Reservation (Booking) Contract that is signed by you, the realtor, and the property owner... including fines if the owner cancels.

2. All appliances and furnishings (for pre-furnished homes) must be included on the documents.

3. Be certain that the square-meters of "usable space" excludes the balcony, garage, storage unit, and any flooring under partitions.  You might request a Declaration of the Owner from the Real Estate Register ($2) that proves everything attached to the apartment or home.  Czech government favors tenants, so those documents are accessible. 

4. Include penalties for the owner that equal "double the daily rent" for every day that they delay your occupancy.

5. For home-buying, visit the Real Estate Cadastre for a Register of Rights for the seller (requiring the seller's name and government ID number) to see if they are withholding something attached to the property.


     Nonetheless, my first tip is very helpful.  Home-seekers in Czechia must be prepared for a slower pace.  Life-Work Balance in civilized nations means that realtors might not work on Saturdays and/or Sundays, and they might not reply after 17:00 (5pm) when their day ends.  We interacted with some who did, and that was rare.

     Despite getting fees from the renter, as well as the owner, many realtors don't seem motivated to conclude transactions quickly.  Lewis and I didn't use the website's messaging center; we emailed the realtors directly or we called them (internationally).  Realtors' emails and phone numbers are usually provided.  Alas, 2-7 days passed before some of them replied.  Most never answered us.  One guy waited 2 weeks before responding to my inquiry.  Don't they realize that immigrants need to start their new jobs promptly?  Relocating requires a lot of work: international movers, flights, stopping subscriptions, memberships, utilities, deciding to renew your lease for another month or not.  Needless delays against applicants seems stupid and unprofessional.

     Some realtors merely replied with 3-word answers.  Some told us that the property was already sold... yet they didn't suggest a related property (as if they weren't interested in keeping us as customers).  Often, the dialogue was "dry" and perfunctory.  Coming from America, we were accustomed to realtors as pushy salespeople who are overhyped to keep customers by segueing to alternates.  We liked Prague's lack of pushiness, but we craved salesmanship that when we contacted a professional, they did their best to sustain a rapport.  

     Prague has many inept realtors, so we repeatedly nudged them for information, corrected their mistakes, and reminded them to reply.  Several listings were expired, despite being left on the website.  We were aghast to see listings where the realtor stupidly included 3 photos of the same hallway but forgot to include photos of the bedroom or bathroom.  How can a professional person be so dumb?  Images of a bathroom, kitchen, and bedroom are essential.  I felt tempted to request fees from them for helping them do their jobs, yet they were still better than any realtor that Lewis or I dealt with in the USA.  Sadly, it is evident that there are low standards for getting a real estate license in the capital city of Prague.

     Realtors should remember that a home is shelter for a human soul, and they should remember this wisdom:



     After dealing with 17 realtors, we don't recommend "planning ahead" when dealing with them because there was usually a lack of stability with the plans that we assumed would happen.  If you believe them that every transaction will succeed, you'll be "spinning your wheels but not going anywhere".  Many times, we queued things for an expected transaction, but the realtors either never continued or they cancelled at the last-minute.  It was exhausting.  Furthermore, don't imagine your life at any property until the lease is signed by everyone.  Unfortunately, those traits seem the same as in America's real estate industry.

     Thankfully, all of the realtors communicated in English, including foreigners from outside of Czechia.  Being polite, Lewis and I always spoke in Czech for greetings and closings.  When realtors responded within 24 hours, I suggested using WhatsApp so we could communicate easier.  They appreciated that.  We used it for facetime calls and video-tours of the properties... because it was impractical for us to fly to Prague for every in-person tour or "Open House".  Occasionally, realtors asked us to send a paragraph to describe ourselves, for the owners to read.  We said that we don't smoke and don't have pets.  We assured them of our cleanliness, and we gave astute compliments of each apartment.  We mentioned the longevity we had at prior addresses and jobs because that impresses landlords.  (That suffering in America was finally worth something).

     You must overcome the difference in time zones.  Compared to NYC, Prague is six hours ahead.  When Lewis and I woke up in the morning, the day was half-finished in Prague.  Before going to work, Lewis woke extra early to answer messages from realtors, resend messages to urge realtors to reply, and browse for new apartments and send inquiries.  It takes effort.

     In America, renting an apartment is "First come, first serve", so renters must act fast.  Typically, after you pay an initial fee, the lease is created within 24-48 hours (unless they want to check your Credit Score, bank balance, and references).  In NYC, a lease is usually completed within hours of agreeing to the apartment.  After being conditioned to that treatment, Lewis and I strategized to position ourselves as desirable clients because we accepted prices without haggling for discounts... and we were prompt, polite, and prepared.  Alas, in Prague, we were repeatedly told that we couldn't get apartments because tours were scheduled to occur and "everyone must have an opportunity to see the apartment".  That seemed senseless to us.  Imagine that you want to buy tomatoes, but the grocer says that you cannot because everyone else must have a chance to see them, first.

     It seemed intuitive that a realtor would be happy to forgo several tours from uncertain candidates to accept a full-price offer from applicants who didn't need a tour.  We figured that it would help the realtors save time and effort.  No.

     When an offer is accepted by a realtor, it must also be accepted by the owner.  That is why renters must have lease contracts that include the realtor AND the owner.  Do not accept contracts that are only signed by you and the realtor.  It is advisable to include financial penalties if the owner cancels or delays the move-in date.  

     However, before renters get their lease, they must get a Reservation Contract, and a fee is required.  That "guarantees" their interest in the apartment, and the Reservation Contract blocks other realtors from selling it (while the lease is prepared).  That type of civility doesn't exist in greedy America.  e.g.: For my prior apartment, I paid my realtor and they dealt with a landlord who assured me to have a home, but then gave his apartment to somebody else.  Lewis and I appreciate Czechia's decency to use Reservation Contracts, but it is an additional step... and owners can change their mind.  When a lease is finalized, that fee becomes the Broker Fee, so it is already paid.  

     Alas, nobody warns immigrants that realtors can be very slow after you sign/pay the Reservation Contract.  After they get some of their money, they may waste a week or two before providing the lease.  It's pathetic and unprofessional but true.  Once you signed/paid, you cannot cancel or you usually forfeit your money.  You must pester them to ensure completion.  Before you sign, you should insist that a "completion date" exists for the lease.  That will protect you against Prague's pathetic realtors.  As I said, nobody will warn you about this, so I warned you.  

     Tragically, within our first weeks, we encountered realtors who accepted our offers to pay full price, sent drafts of leases (so we could preview them and ask questions), and promised to create Reservation Contracts... but then they told us that the owners didn't want us.  I was livid with frustration as our.  

     Thankfully, Czech realtors do not participate in the scams that are prevalent in America.  For example, American brokers request non-refundable fees from prospective renters.  That's insane.  Who wants to give away hard-earned money without assurance from the realtor?  Trying to cheat their customers, many licensed realtors uncaringly demand that money before they work on securing the desired apartment.  That "locks you" into dealing with them (despite their unhelpful behavior), or you forfeit your money.  It only guarantees money for the "shady" realtor... and once they have your money, they treat you worse.  America's authorities don't care.  Lewis and I were happy to be away from that.

     Eventually, we interacted with a realtor named Igor.  He provided a video-tour and Q&A about the apartment.  We said that we wanted to rent it.  He sent me a blank Reservation Contract and requested me to sign it.  I replied that I would never sign a blank form; it is like signing a "blank check"!  I told him to complete the form to show the fees, contact information, dates, et cetera.  That was my first clue that Igor was in idiot.  After we signed an accurate Reservation Contract and submitted payment, he didn't provide the lease for seven days.  Instead, he took an unannounced "business trip" and didn't respond to us clearly, and nobody at his office assisted us.  Igor was pathetic at answering our growing concerns about the delay.  Despite us asking for a timeframe (so we could set our expectations), nobody answered us.  That was rude.  We had no idea of how long the processes would take.  Yet, until we had a signed lease, we had no guarantee... and that was torturous.  

     Traumatized by realtors in America, we cannot trust that leases will be accurate until I review and scrutinize them.  We became terrified that something had gone wrong or the landlord didn't want us.  On the seventh day, Igor finally replied.  But, the buffoon put errors in our lease (occupancy for one person, instead of two), and we had to instruct him and his team to fix their carelessness.  His assistant sent us a lease, but she still had a segment that stated "one person occupancy".  I gave her a photo of the error, but nobody answered us for two days.  We were shocked that the realtor company was so incompetent that it couldn't create an accurate lease; that is the main job of any realtor!

     Meanwhile, we still called Chase Bank to fix its errors.  During that same time, a responsible realtor contacted us repeatedly about his apartment... but we couldn't accept because we didn't know the status with our realtor.  It was stressful.  As I said, needless delays against applicants seems stupid and unprofessional.

     When Igor finally gave us an accurate lease, we signed.  I asked him to tell us when the landlord signed, so we could proceed with sending payment.  Igor replied that the landlord would not sign the lease until the move-in date.  That's crazy!  I responded that we needed a signed lease from the landlord to guarantee us somewhere to live.  Otherwise, we would cancel the contract and look elsewhere.  (It was unnerving to consider starting from the beginning again).

     Those situations made Prague seem unwelcoming...

... but time proved that there are many welcoming and helpful people in Prague, and our experience blossomed into this...


     What improved our perspective was when our banker in Prague became infuriated with our realtor's behavior and called him (on a Sunday) to criticize him.  Our banker is Czech and he detested how the realtor (a foreigner) gave Prague a bad reputation.  He criticized the realtor's uncaring and unprofessional behavior, and he threatened to report him to the authorities.  His finance lingo (from years of helping internationals with mortgages, leases, loans, et cetera) intimidated our realtor to produce a lease within 24 hours.  Suddenly, that man did his job.  (We were eternally grateful to our trusty banker, especially since he made the call during his vacation).  Another thing that rescued us was when our boss in Prague telephoned the landlord.  Our boss wanted to help us, so he bypassed the realtor and dealt directly with the woman who owned the apartment.  He praised us and criticized the realtor, and he said that the landlord would be lucky to have upstanding tenants like Lewis and I.  The landlord (landlady) instantly agreed to have a video-call with Lewis and I.  She wanted to have "nice young people living in her apartment".  We said that as soon as she signed the lease, we would send our payment to her for Security Deposit and first month's Rent.  She agreed.       

 
     After the apartment's owner accepted us, Igor was compelled to show us her signature within the same day.  Next, it was time to pay our landlady.

     Be prepared to send international wire transfers from your bank to the realtor for the Reservation Contract, deposit, first month's rent, et cetera.  (In many situations, utilities are paid with the rent, based on a monthly average.  At the end of the year, you determine if you overpaid or underpaid).  Dealing with America's banking industry is like being in a third-world country.  For more than 10 years, Lewis and I had accounts with TD Bank, which promotes itself as America's most convenient bank.

     In truth, it is not modern, convenient, "instant", mobile, fun, personable, friendly, easy, or approachable!  (False advertising is rampant in America since the 1850s).  If you only do things in America, TD can respond to your needs... but still not in any of those ways.  Despite being the year 2024, TD never invested in infrastructure to allow online wire transfers.  Uncaringly, it does not have that capacity!  That's absurd!  We were required to go to a local branch of the bank to do it with an employee.  As usual, our local bank was disorganized.  Unchanged for 30 years, banks still have many Customer Service desks but only half of them are staffed with employees.  (Supermarkets are sadly the same).  That cheapness is ugly.  Therefore, we were forced to wait 30 minutes to be assisted, and the "specialist" required another 30 minutes to complete our seemingly-easy transaction.  TD had the affrontery to charge us a price of $50 for that inconvenience (and their lack of infrastructure)!  

(During our time at the bank, an ATM "swallowed" a customer's debit card.  The bank had no capacity to open the ATM to retrieve it, and the man missed his train while waiting 30 minutes in the queue to be assisted by Customer Service.  Only then did the bank realize that it's "credit card making" machine was broken, so the man was forced to travel 1.5 miles to the nearest branch... and wait in that queue!) 

     Next, we told the specialist about our upcoming relocation, and we asked how we could transfer money after we lived in Prague?  Looking stupid, she uncaringly answered that TD Bank had no way to help us; we were required to fly back to the USA and visit a bank every time that we wanted to send money to our new bank-account in Prague.  That was outrageous!  The only alternative was for us to add co-signers to our accounts, but that is a huge liability.  That was typical behavior for American industries: refuse to improve (like a third-world nation), yet overcharge customers with high prices.

(Bank of America is the second-largest bank in the USA, yet it has the same uncaring problem of no infrastructure).  

     Later, we messaged our banker in Prague, whom we met at ÄŚeská SpoĹ™itelna (the nation's oldest bank) during our first visit, and he was shocked at how bad things are in America (where people still mail paper checks to pay for things, instead of using online payments).

     He recommended a money-moving app that is very helpful in Europe: Revolut.  It outclasses America's PayPal because PayPal charges high fees of 5% of every transaction, plus currency exchange fees (typical of America to have many fees).  Alas, when I tried downloading the app, I was confronted by an Error Message.  During the previous 6 months, Revolut is stalled during its negotiations in America for a new financial partner, so they cannot accept Americans as new customers.  Click this image to make it bigger/clearer...

     When we reside in Prague, we will apply for Revolut and be able to interact conveniently like Europeans.  Lewis and I were awed by that bankers assistance, which occurred before we got to Prague to open our accounts.  He willingly helped us before we were his official customers.  That is great!

     I also considered a competitor named Wise, but it suffers from restrictions from America's financial requirements.  The only other nations it suffered from were dictatorships and third-world countries. 



     Unchanged problems and thievery never seems to end in the USA, and we'll be grateful to escape its captivity.   

     Despite those challenges, we were undaunted and chose Chase Bank that was capable of letting us initiate international transfers online.  Happily, I closed my old account with pathetically-unhelpful TD, and I moved into the future of the modern world.  Alas, we dealt with an unscrupulous banker: an Assistant Vice President who worked there for 30 years and did whatever she wanted.  On the pretense of orienting us with the phone app, she slyly enrolled us in programs--without our permission--that we didn't want.  Later, we searched through the website to unenroll from them, to protect our privacy.  Illegally, she used our phone apps to access our full Credit Report (instead of the mere Credit Score that banks see), which is private information, so she could snoop and see how many assets and credit cards we had and how many years we maintained them.  

     I thwarted her by asking why she did that, and she was suddenly flummoxed to explain her actions.  Until then, she was rude to us and repeatedly left her desk to greet customers in the bank or talk with coworkers.  But as soon as she knew our credit score and wealth, she gave us her undivided attention.  People like that can go f*ck themselves.  Sadly, she failed to correctly set up our new accounts for international wire transfers, so I had to call Customer Service three times to get it done.  I was also told that domestic wire transfers are allowed after a security code is messaged to your phone, but international transfers require a phone call to Chase in the USA to get the code.  That is dumb and inconvenient.  Lastly, Chase's website and app allowed us to arrange bank-to-bank transfers, so we could input funds to our new accounts.  However, Chase stupidly never alerts you that you can't import the money; it merely rejected the transfers.  After two calls to Customer Service, we were finally informed that we must go into our other bank accounts and export the money to Chase.  The employee told us certain banks don't allow Chase to request money like that.  Why does Chase allow users to set up transfers that can't be done?!  (It had TD Bank in a drop-down menu of options).  Chase should provide a list of the banks that don't cooperate, and tell users to export the money from those banks, instead of trying to import from Chase.  That would be an easy solution, but Chase prefers to inconvenience and upset its new account-holders.  That is the type of crap quality and unprofessionalism that you get at America's biggest bank! 

     Thankfully, nowhere outside of America uses a Credit Score, which is a huge scam.  Only America forces its citizens to use credit cards to achieve a Credit Rating that is needed for leases, cars, home ownership, loans, mortgages, cellular phone plans, and credit card applications.  Nowhere else on Earth does that.  It forces home-seekers in America to use have/use credit cards to obtain a Credit Score.  Consequently, it allows banks and money-lenders to enrich themselves from Credit Card Usage Fees, Credit Card Membership Fees, Interest Rates, debt-related fees, and various hidden fees for having credit cards.  If you avoid America's credit cards, you are penalized with barriers to accomplish normal things.  Leaving that corrupt scheme, we were relieved to operate in Czechia's truly first-world society.  


     Unlike scenarios in NYC, our realtor informed us that we must purchase Renter Liability Insurance for our protection and safety.  It is affordable... because it is not in America.  We recommend Czechia's oldest insurance company, and here is a direct link (in English): 

https://www.pvzp.cz/en/subproducts/property-insurance/   

     Unlike much of America, renters in Czechia are responsible for minor repairs that cost less than a total of $175.00, unless the landlord says otherwise.  That includes light bulbs, interior door handles, and window handles.  Regardless if there is a Property Manager or Superintendent, renters must arrange annual inspections of their apartment.  Landlords handle everything else.  (During our search for an apartment, we noticed a landlord who employed a Property Management Company that handled everything for the tenant and gave 24-hour Customer Support... and the all-inclusive rent was $835 per month.  Americans would expect it to be $3,000 per month for that type of service).  The apartment we chose has a Property Manager, but we are responsible for the minor things.

     Using WhatsApp, Lewis and I began polite interactions with our landlady, and she was very appreciative.  By then, we already selected our international movers, had double-walled shipping boxes, purged unwanted possessions, and settled our affairs before moving.  The adventure could finally commence!



     

Wednesday, October 2, 2024

Logistical Advice for Relocating

     Louis and I are happy to share advice that we learned (and taught ourselves) during our relocation from the United States to the Czech Republic.  The wisdom is straightforward, sensible, and extremely helpful.  


  • Find a job where the employer values you enough to hire you above the local population.  You may have to exert yourself, but you will find that employers in other nations do not treat employees as disposable assets (like American employers do).  Your new job will immediately include a relieving Life-Work Balance that will not exist in America.
  • Realize that your income may decrease because jobs in other nations pay less.  Nevertheless, the costs of living are also lower, Universal Healthcare is provided from your taxes, and the Life-Work Balance is priceless.
  • Contact the embassy or consulate for your new nation, and be prompt and patient with the process.  Americans are overworked and brainwashed into a culture of working too much... but don't expect everyone in the world to do that.  Diplomatic staff will usually enjoy days-off for holidays in the USA, as well as in their homeland.  Also, people in government jobs might not be concerned about "customer satisfaction".  After 30 days, send a courteous follow-up email.  If you treat them politely, they will respond favorably.  
  • Instead of social media, we had better results researching blogs, vlogs, and online videos of people who moved to new nations.  They describe neighborhoods, culture, customs, language, accessibility, prices, taxes, moving expenses, and integration.
  • Try contacting those people to see if they will offer advice and answer questions.
  • If time allows, start tasting and cooking the national recipes of where you will live.  Get acclimate with how to pronounce greetings and simple phrases.  Use them when interacting with people in that nation.  It is polite, and it demonstrates intent and deferential respect.
  • Choose reputable banks and contact them to learn how easy it is to arrange new accounts and transfer funds.  Beyond the USA (where people still mail checks as payment), the world is mostly cashless.  Don't bring too much cash, and you can avoid a costly currency exchange.
  • Be prepared to notify the American federal government of your relocation, and you might use an international accountant to pay any taxes that are due to the USA.  Your future salary will only be taxed by your new nation, but assets in the USA might owe taxes to the USA.
  • Anticipate that realtors might be incompetent, slow, or unmotivated.  They often get paid twice (by sellers and buyers or by landlords and renters) so you reasonably expect responsiveness, but that is not guaranteed.  You may have to nudge them repeatedly to get things done.  You might crave a refund for doing their work for them, but that is improbable.
  • Choose reputable real estate agents.  Realtors will be instrumental in helping you find a new home.  Realize that the first apartment/house that you get may not be the last because you will discover things about neighborhoods and might move within a year.  A one-year lease will give you ample time to choose the perfect place for your next residence.  If you are not bringing furniture, consider getting a pre-furnished apartment as your first home.
  • Realtors in other nations are not as greedy as American ones and not as bad as NYC's.  Be kind to them, and they will want to work with you.  Being nasty (because you anticipate problems) will not help.  
  • Anticipate that homes beyond America are slightly smaller (because most of the population isn't hungry for over-consumerism, midnight shopping, and materialism).  The new size that you get accustomed to will require less cleaning and have lower energy costs.
  • The modern era allows you to enjoy video calls with realtors/owners and "virtual tours" of potential homes, so you don't need to buy flight tickets to view each home.
  • Be certain that the usable space is not included with balconies, garage parking, cellar storage, or floorspace under walls/partitions.  The "usable space" must only include the area inside the dwelling where you can stand.
  • The rental or ownership contract must connect you, the realtor, and the current owner who sells to you.  It must include an inventory of all appliances, equipment, and furnishings.  It should include a penalty fee if the seller cancels.  It should include a penalty fee for every day that delays you from occupying it.  (That will prevent any delays from the current owner).  
  • Purge your possessions of things that you don't use.  People have a tendency to accumulate too many things, and they rarely use them.  Reduce clutter, shipping costs, and the need for closets/furniture by getting rid of them.  Donate clothes.  Sell things online (and that revenue will offset your moving expenses).  Make things into "going away" gifts to friends.  If you didn't use something more than 3 times in a year, you should get rid of it.
  • Don't ship utensils or cooking knives: metal is heavy and will increase your costs, and blades might cause Customs to scrutinize your shipment.  Reconsider shipping things made of metal, stone, and wood.  If they are minor keepsakes or souvenirs, take photos of them.  
  • Due to variances in voltage, do not bring household appliances to your new home: hair dryer, blender, air fryer.  You can buy a power adaptor for small gadgets (cellphone, hair razor), and modern computers and laptops have internal voltage adaptors.  Buy new appliances and gadgets in your new nation... and they will cost less, too. 
  • Anticipate that you will finally be able to walk to grocery stores, bakeries, butchers, convenience stores, and hair salons... because most communities are created for accessibility.  They are not car-centric like American ones.
  • You will discover that your neighbors make smaller purchases more frequently because they want freshness and enjoy the convenience of the stores.  Beyond the USA, most populations do not "buy in bulk" or overload their freezers and pantries.  They buy things when they need to.  Consequently, they have fresher ingredients, tastier meals, and some exercise.  Going to markets is how you ingratiate yourself in your new community.    
  • Contact your current bank, insurance, pension, et cetera, and change your address to a trusted person, or opt for online statements.
  • Tell the postal service to forward your mail to a trusted person, or stop mail so it is returned to the senders.
  • If you are emigrating out of the USA, you probably won't need credit cards... and you won't want their American-level interest rates and fees.  Find debit/bank cards that are popular in your new city.  
  • Get advanced amounts of prescriptions and cosmetics (e.g.: organic soaps) so you have a stockpile until you find new suppliers in your new home.
  • Hire reputable movers.  Use double-wall boxes, and pack your things with clothes and fabrics as cushioning.  That saves money from buying additional packaging padding.
  • Use the internet to familiarize yourself with your new home: neighborhoods, public transit, travel routes, stores, gyms, cultural institutions, and leisure activities.  
  • You will probably use public transportation more than ever before, and it will outclass anything in the USA with modernity, reliability, punctuality, and online notifications.  Download the app for it and get acclimated to the maps, routes, transfers, and types.  Public transit in most first-world nations (not the USA) is remarkable and will help you greatly.  On your phone, pre-purchase a weekly/monthly/annual travel pass (ticket), so you are ready to use it.  You can choose when to activate it.  
  • Learn some of the local lingo before you arrive.  After you are settled into your new home, enroll in a native language course.
  • Locate and visit Integration Centers for immigrants and expats.  Join social clubs from your homeland (but don't isolate yourself only with natives from your homeland).  Participate.  Donate your time.  Contribute to community activities.  Attend local events.  
  • If you have a Driver's License, enroll in the necessary exams to convert it. 
  • Learn where the locals go for getaways, vacations, meals, holidays, and civic celebrations.  It's always wise to "go where the locals go".  Be enthused about exploring, and your new nation will surprise you.
  • Be thorough and vigorous in everything.  
     Sometimes, the steps of your ascent are the keys to your development.  (Yes, these steps look like a keyhole).

     To see encouragement during your moving process, please use this link: 

https://halfwindsorfullthrottle.blogspot.com/2024/08/encouragement-for-people-relocating.html