What immigration consultants do not like to talk about
When it comes to obtaining a residence permit, there are a number of topics that most immigration specialists do not like to touch. One way or another, all topics are related to the expenses arising during the stay of the holder of a residence permit in a new place.
One of the most avoided topics is taxes. The fact is that clients themselves do not seek to disclose information about the structure of their income and assets, well and talking about taxes abstractly makes no sense. Therefore, the consultant, as a rule, is limited to quoting the definition of tax resident status, mentioning the double taxation treaty and general information on the principle of calculating the personal income tax.
It is clear that tax questions are unpleasant - these are expenses, well and it is customary to reduce costs. But not by tax evasion on default. Therefore, it remains only to minimise taxes by affordable means within the framework of the current legislation. And this is meticulous work with the client and, therefore, the extra time and money. So here nobody will achieve result without the mutual participation of the parties ...
No less "hated topic" - insurance. Most clients are convinced (and it’s hard to argue with that) that the purpose of the relocation is not “to restore shaken health”. Therefore, if medical expenses can be avoided (or at least attributed to a later date), then everything possible should be done.
Insurance policy is the prepayment of services without guarantee that the "investment" will pay off. So there is an opinion - it is enough to establish the maximum amount of allowable costs, and then you can delve into the topic only if necessary, that is, after an insurance case.
As a result of this approach, sooner or later, one of the holders of a residence permit must turn into a victim. Insurance medicine is ruthless, therefore, the choice of insurance company and insurance program should be made by a consultant with the active participation of the insured. After that, the policyholder must learn to present their opportunities well and be able to use them. Well, the consultant's task is to explain these opportunities and facilitate their implementation, if necessary.
To be continued.