bbchausa verticals/024 expat salary

From HausaDictionary.com | Hausa English Translations

#: The financial gamble of working abroad [1] <> Barazanar karyewar darajar kudi ga aiki a kasashen waje [2]

#: In January last year, [3] <> A watan Janairun bara, [4]

#: Rebecca Self found her salary had dropped by almost 30% pretty much overnight. [5] <> an zabge albashin Rebecca Self da kaso 30 cikin dare guda. [6]

#: It wasn’t from a demotion, [7] <> Ba rage mata girma aka yi ba, [8]

#: cost-cutting or a corporate restructure – [9] <> ba kuma ma'aikatarsu ce ta kaddamar da tsarin tsuke bakin aljihu ba - karyewar darajar kudi, [10]

#: Self’s pay packet was slashed by a shift in currency markets, an issue that affects many expats working around the world. [11] <> abinda kan yi barazana ga ma'aikata a kasashen waje da dama, ita ce ta karya darajar albashin Self. [12]

#: Self is a leadership consultant based in Zurich, Switzerland. [13] <> Rebecca Self mashawarciya ce kan shugabancin kamfanoni da ke zaune a Zurich, Switzerland. [14]

#: An American expat, she gets paid from different countries in different currencies – [15] <> 'Yar asalin Amurka ce, amma ana biyanta ne da kudaden kasashe dabam-daban – [16]

#: she’s paid in dollars through a firm in Qatar in the Middle East, [17] <> akan biya ta da dala sakamakon wani kamfani da take yi wa aiki a Qatar [18]

#: and also in euro through a firm she works for in Sweden. [19] <> kuma wani kamfanin dabam da ta ke yi wa aiki a Sweden na biyanta da euro. [20]

#: She then converts her earnings into Swiss francs. [21] <> Ita kuma tana canja kudaden shigarta zuwa kudin franc na Switzerland. [22]

#: Because Self works on a fixed contract, which is negotiated in advance, [23] <> Da yake ana biyan Self ne bisa yarjejeniyar da aka kulla tun kafin ta fara aiki, [24]

#: her earnings can take a hit if one of those currencies suddenly weakens or strengthens. [25] <> kudin da ta ke samu su na sama da kasa duk lokacin da darajar wani kudin ta karye ko ta karu. [26]

#: Self is one of many expats living abroad who juggle multiple currencies in day-to-day life. [27] <> Mutane da dama dake aiki a kasashen waje kan yi hada hada da takardun kudade na wasu kasashe a harkokinsu wanda ke da alfanu da kuma illa [28]

#: For example, last year, the value of the Swiss franc increased. [29] <> Misali, a bara darajar franc din Switzerland ta daga. [30]

#: If she had simply been working in Switzerland only, this would have worked in her favour — her money going further abroad. [31] <> Da ace a Switzerland kadai ta ke aiki, da kudinta zai kara daraja a kasar waje ke nan [32]

#: But being paid in euro meant she was making almost 30% less a month once her pay packet was converted into Swiss francs [33] <> amma da yake ana biyanta da euro, sai ya zama albashinta ya ragu da kaso 30 da zarar ta canja kudin zuwa franc. [34]

#: “Your [[[compensation]]] rates are locked down and there’s no recourse,” she says. [35] <> "Babu wani abu da zan iya yi akai," in ji ta. [36]

#: Self is one of many expats living abroad who juggle multiple currencies in day-to-day life. [37] <> Self na daya daga cikin mutanen da ke aiki a kasashen waje wadanda ke fama da matsalolin canjin kudi a rayuwarsu ta yau da kullum. [38]

#: Often expats are paid in one currency, keep savings in their home currency, [39] <> Mafi yawan lokuta akan biya su ne a wani kudin wata kasar, su ajiye su a samfurin kudin kasashensu, [40]

#: and pay for their shopping and bills in another. [41] <> kuma su yi cefane da bukatun yau da kullum da kudin wata kasar. [42]

#: This discrepancy turns into a gamble [43] <> Wannan matsala na zama barazana [44]

#: if one currency weakens sharply [45] <> saboda karyewar darajar wani kudin [46]

#: during your time overseas [47] <> a lokacin da ka ke aiki a kasar waje [48]

#: as this can mean a change in your living standards, benefits or savings pretty much overnight. [49] <> na iya haddasa sauyi a rayuwarka, samunka da kuma abinda ka ke iya taskacewa. [50]

#: It happened in June after the pound dropped suddenly following the Brexit vote. [51] <> Irin haka ce ta fara a watan Yuni lokain da fam din Ingila ya karye bayan da Burtaniya ta zabi fice wa daga tarayyar Turai. [52]

#: Many expats who earn pounds sterling in the UK, but send money back to their home countries, found themselves 10% poorer overnight. [53] <> Ma'aikatan kasashen waje da yawa da kan aika da kudinsu gida sun fuskanci zabgewar albashinsu da kashi 10. [54]

#: More expats are starting to query how currency fluctuations could impact their monthly salary before even considering a posting. [55] <> Yanzu haka ma'aikata kan yi la'akari da yadda karayar darajar kudi za ta iya shafar albashinsu kafin su amince su yi aiki a kasar waje. [56]

#: Brexit has thrown a spotlight on this, says Kate Fitzpatrick, [57] <> Fitar Burtaniya daga tarayyar Turai ta sake karkatar da hankulan ma'aikata kan wannan barazana, a cewar Kate Fitzpatrick, [58]

#: a London-based senior global mobility consultant for HR consulting firm Mercer. [59] <> wata babbar mashawarciya kan aiki a kasashen waje a kamfanin bai wa ma'aikata shawara na Mercer da ke birnin London. [60]

#: Some firms choose to do interim salary updates to try to offset these currency fluctuations. [61] <> Wasu kamfanonin kan yi gyaran albashi na wucin gadi idan an samu sauyin darajar kudi. [62]

#: Most large firms have [63] <> Mafi yawan manyan kamfanoni [64]

#: “a recalibration policy in place, or look to reassess pay when currency drops (or increases) anywhere from 7% to 12%,” explains Fitzpatrick. [65] <> "na da tsarin tabbatar da darajar albashi ta hanyar sauya kudin da su ke biyan ma'aikata duk lokacin da darajar kudi ta karye ko ta daga da kaso 7 zuwa 12," in ji Fitzpatrick. [66]

#: Come up with a strategy before you move [67] <> Nemi mafita kafin karbar aiki [68]

#: Those looking for their next assignment overseas are in the best position to negotiate. [69] <> Don haka masu neman aiki a kasashen waje sai su yi hattara. [70]

#: Rather than going for a so-called ‘host’ package, which means you’re paid in local currency at a similar level of compensation and benefits as your non-expat peers, (plus potential extras such as coverage of education or housing costs), [71] <> Maimakon a biya su da kudin kasar da su ka je aikin, bisa tsarin albashi daidai da na 'yan kasa, [72]

#: Fitzpatrick suggests instead you consider negotiating a package that provides a balance sheet approach to compensation. [73] <> Fitzpatrick na ganin zai fi kyau a yi mu su biyan rabi da rabi. [74]

#: The latter allows for pay to be split between the host and home country, which makes it easier to save while you’re abroad and pay bills back home. [75] <> Wato a biya wani kason da kudin kasarsu ta ainihi, wani kason kuma da kudin kasar da su ke aiki. [76]

#: Another perk is tax equalisation, [77] <> Wani abinda ya kamata su lura da shi kuma shi ne daidaita haraji, [78]

#: this approach means you won’t need to pay higher taxes if moving overseas. [79] <> wato kamfanin ya biya ma duk wani haraji da ya karu kan albashinka sanadiyyar aiki a kasar waje. [80]

#: according to Mercer research, [81] <> A binciken da kamfanin Mercer ya yi, [82]

#: Currently, about 68% of corporate expats are using the balance sheet approach, [83] <> kimanin kaso 68 na manyan ma'aikatan da ke aiki a kasashen waje ne ake biyansu bisa tsarin rabi da rabi, [84]

#: but many of the more junior expat employees aren’t so fortunate [85] <> sai dai mafi yawan kananan ma'aikata ba sa samu wannan alfarmar. [86]

#: Expat entrepreneurs and those who are self-employed are coming up with processes to try to safeguard their earnings. [87] <> Masu kasuwanci a kasashen waje su ma sun fara fito da dabarun da zasu kare kansu daga sauka da tashi na darajar kudaden kasashen da su ke kasuwancinsu. [88]

#: Website founder Stevie Benanty, 27, and her husband Dan Miller, 29, a property entrepreneur, [89] <> Wata mai cinikin filaye ta hanyar intanet Stevie Benanty da mijinta Dan Miller [90]

#: will be moving to Lisbon in Portugal from France in the autumn. [91] <> za su tashi daga Faransa domin ci gaba da harkokinsu a Lisbon, babban birnin Portugal. [92]

#: They use an online currency trader, Transferwise, [93] <> Su na amfani da manhajar cinikin kudaden kasashe ta intanet, Transferwise, [94]

#: to pay bills and temporary employees in different currencies, [95] <> domin biyan ma'aiktan wucin gadi da kudaden kasashe dabam-daban, [96]

#: which allows them to use real-time currency conversion rates. [97] <> abinda ke ba su damar musayar kudade bisa riba. [98]

#: Both Americans, the couple receives cheques back home in New York. [99] <> Da yake mijin da matar Amurkawa ne, ana biyansu ne ta hanyar aika musu da cakin kudi a bankinsu da ke New York. [100]

#: A virtual address service called Earth Class Mail [101] <> Wata manhajar intanet, Earth Class Mail ce [102]

#: opens their cheques and deposits the dollars in a US bank account. [103] <> ke bude cakin kudin na su ta kuma ajiye musu dala a asusun ajiyarsu. [104]

#: Research banking options [105] <> A lura da banki [106]

#: It’s important for expats to work out how and where they earn, [107] <> Abu ne mai muhimmanci ga masu aiki a kasashen waje su duba yanayin samunsu, [108]

#: then invest in order to minimise the disruption of transferring large chunks of their pay from one currency to another. [109] <> sannan su zuba jari ta yadda za su rage tasirin bambancin darajar kudi kan dukiyarsu. [110]

#: Her own strategy is to keep savings both in Switzerland, which has a tax-deductible retirement savings account, [111] <> Self ta ce ta na da asusun fansho a Switzerland da kuma wani a Amurka. [112]

#: along with her previously accumulated savings in the US until she figures out where to retire. [113] <> Kuma za ta ci gaba da ajiya a cikinsu har sai ta tsaida kasar da za ta yi ritaya a cikinta sai ta kwaso daga daya kasar da kadan da kadan. [114]

#: Some large banks offer wealth management advice geared specifically for expats. [115] <> Wadansu manyan bankunan na bada zabi ga mutanen da ke aiki a kasashen waje [116]

#: For example, this could mean using a multi-currency savings account or investing in a dual-currency deposit, a financial instrument that allows savings in two currencies to take advantage of market movements. [117] <> ta hanyar bada damar bude asusun ajiyar kudin kasashe biyu a tare domin amfana da bambancin darajar kudi. [118]

#: Even some top multinational companies are changing course. [119] <> Haka su kan su kamfanonin yanzu sun fara bai wa ma'aikatansu shawara kan yadda zasu alkinta kudinsu. [120]

#: For example, some firms that employ staff [121] <> Misali masu biyan ma'aikata [122]

#: using the balance sheet approach [123] <> bisa tsarin rabi da rabi [124]

#: may advise them on the best ratio for splitting their earnings between two currencies [125] <> kan shawarci ma'aikatansu akan kaso nawa ya kamata a biya su a kudin kasashensu kuma kaso nawa ya kamata a biya su a kudin kasashen da su ke aiki. [126]

#: Ultimately, [127] <> Daga karshe dai, [128]

#: it’s important to assess your pay package on an individual level and understand how you plan to save and invest, [129] <> abu ne mai muhimmanci ma'aikata su yi nazarin yadda za'a biya su tare da shirya yadda za su yi ajiya da kuma zuba-jari, [130]

#: says Genie Martens, a senior director at consulting Air Inc., [131] <> in ji Genie Martens, babbar darakta a kamfanin Air Inc, [132]

#: who advises multinationals on global mobility programs. [133] <> wacce ke bai wa kamfanonin kasa da kasa shawara kan tsare-tsaren kula da ma'aikata masu sauya wurin aiki daga kasa zuwa kasa. [134]

#: “Take a hard look at your expatriation policy [135] <> Ta ce: "Ka yi nazari sosai game da tsarin biyan ma'aikata da ke aiki a kasashen ketare a kamfaninku [136]

#: whether it’s going to result in the kind of mobility and the kind of objective that you’re going to want,” she says. [137] <> domin ganin ko za ta biya maka bukatunmu da ka ke fatan cimma a rayuwarka." [138]

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