Monday, September 10, 2007

Expatriate problems in Saudi Arabia

Working in Saudi Arabia for an expatriate could be quite a challenge. One of the common problems faced by expatriates, particularly those who have come to work in Saudi Arabia for the first time, is homesickness. The difference in culture, background, language and the fact that one is away from family all add up to this feeling. Usually, you will find someone from your own country and will quickly make new friends. This is the best way to come out of the shell and gradually the homesickness would fade away over time.

As a thumb rule, if you have survived successfully for the first three months after arrival, then you are more or less certain to do so for quite a long time. However, there are cases of people not settling down and do not find it comfortable enough to continue. Please do note that you have to be prepared to pay your air fare back home yourself. You have made a contract with your company and if you want to go back so soon, no sponsor will be ready to bear your return ticket. On the contrary, it is more likely that the sponsor will not even allow you to even go out of the kingdom as he has spent his time and money to recruit you (remember, you need his approval stamp in the exit visa). But you must really make a decision before coming, whether you want the money or whether you want to enjoy life. The hard reality is that you can't have both at the same time!

There's not much of entertainment activity here other than satellite television, so the best way to keep yourself engaged is to develop a good circle of friends. This will also help you get a good accommodation when your family arrives. Most of the good apartments and household items get sold by word of mouth, so it is essential that you develop a good network of friends. International phone calls still cost a fortune here and broadband internet connection is still not very common, though it is picking up fast. It would be cheaper to talk home through internet chatting (there are quite a few net cafes around) atleast initially, till you settle down.

If you find these practical tips helpful, do drop in a line which will motivate me to write more.

67 comments:

Anonymous said...

Thanks for the unbiased and fair commentary. This is one of the best blogs I have read. Do keep up the good work.

Ramana said...

I wish you also write in Tamil, Expatguru, so that more people get benefitted from such information.

Anonymous said...

Dear Expatguru,

I have a small clarification regarding the final exit procedure. I came to India on a exit retry for 3 months and I dont know when my Iqama expires. I send my iqama copy and exit re entry copy to my sponsor and asked him when my visa expires, but no reply from him.

My question to you is , do I need to fly to saudi to get my final exit or is it possible for me to do it from here itself?

What is the implication if I dont undergo the final exit procedure?

Thanks in advance.

Expatguru said...

Anonymous,

Thanks for your query. First of all you should get the iqama expiry date translated from the Islamic date into Gregorian date and find out whether it is still valid or not. If it has expired, then you have no chance of re-entering Saudi on the same visa. In fact, if you want to enter Saudi to work with another employer, you need a No Objection Certificate from your current employer or should wait for atleast one year from the date of expiry of your iqama.

If your iqama still has validity, then it is best you contact your employer and ask him to arrange for an emergency entry visa. Your employer can do this, but it all depends on your relationship with him, i.e., is it cordial or otherwise. In case your employer does agree to take you back, then he has to fill in a form and submit it to the Passport Department (Jawasat) in the kingdom, who will then authorize him to bring you to the kingdom. He will be given a 'yellow slip' and will courier the same to you. You have to submit this 'yellow slip' to the consulate / embassy in your home country who will then stamp on it. The catch is that you have to leave your home country within 7 days from the date of stamping, or else you cannot re-enter the kingdom.

Hope this clarifies your query.

Keri said...

Dear Expatguru,

I'll be having my vacation on March, but I don't want to go back anymore to my company. Can I still go back in Saudi Arabia with another sponsor? Would there be any conflict? The exit re-entry visa they will give to me is only two months. Will I still wait for this visa to lapse so I can join another company in Saudi? What's the procedure? Hope to hear from you soon. Thanks!

Keri

Expatguru said...

Keri,

Thanks for visiting my blog. You have made your intentions clear that you do not want to work with your sponsor any more. From what you say, it is apparent that your sponsor may not give you an NOC, even if you resign. You have no choice but to wait for one year until you re-enter the kingdom for employment. Please read my other post http://workinginsaudiarabia.blogspot.com/2007/06/switching-jobs-in-saudi-kalli-valli.html

StaciaDC said...

Your blogs are wonderful, and provide a lot of information. I've been considering a medical job in a saudi hospital and have 2 questions generated by this specific blog.. Two things I couldn't live w/out would be a weight room/gym, and the internet. Do the compounds provide this type of facility, and how difficult is it really to get internet in the home? Again, thank you !

Expatguru said...

Thanks for your comments and for visiting my blog, Stacia. Generally all compounds have facility for gym, swimming pool and internet access. However, internet is rather expensive as compared to international standards. Internet itself came to the kingdom only in the year 2000. Internet is strictly monitored and you would find that certain sites cannot be accessed. Internet is certainly available at home, but as mentioned earlier, it doesn't come cheap.

Please also see http://workinginsaudiarabia.blogspot.com/2007/06/security-for-western-expatriates-in_13.html

Anonymous said...

This Blog is really wonderfull,

I heard that the Saudi Government has been implemented the LAW for not requiring No Objection Certificate(NOC). So anybody can re-enter without NOC immediately.

Here I would like to ask one thing, if this is the case Can I come back to the same kind of industry, for example currently I am working in the Bank can I come back to the different Bank.

Your valuable response appreciated and it will be usefull for everbody.

Expatguru said...

Anonymous,

Thanks for your comments. Please read the following link which would answer all your queries about NOC.

http://workinginsaudiarabia.blogspot.com/2007/06/switching-jobs-in-saudi-kalli-valli.html

Anonymous said...

Dear blogger I want to clarify a situation. I have got a new job in KSA and my current employer has given me NOC to join new company but have to go back to my country first and then re apply for the visa. I mean my employer is not transfering my IQAMA but agree to give NOC.

I have leased a vehicle through bank and want to know if it is necessary to settle the lease before Final Exit or shall I continue the lease in my name so that I can use the vehicle when I return to new company.

Regards
KHAN

Expatguru said...

Khan,

If you do not settle your lease with the bank, you will not be allowed to leave the kingdom, i.e., there would be no exit stamped on your passport. So, make sure to immediately settle your accounts. Another option would be to find a suitable guarantor who undertakes to pay the bank all your dues. For this to happen, you must transfer the vehicle to his name first.

harikrishnan said...

Sir
Iam an Engineer by profession but brought to KSA on a house driver visa promising a profession change.
Now it is 15 months and i want to get out of this and come back again in another visa. Can u advice me on the legal hazzles i have in getting this done.
Will the rules be same for Indian Investors Co where i wish to join
Pls help me

Expatguru said...

Harikrishnan,

The best way for you is to submit your resignation and proceed on an exit visa. Since you are an Indian national, you do not need an NOC to return for employment.

Anonymous said...

IAM AAFIFA BELONG HOLDING AN INDIAN NATIONALITY, IAM WORKING IN SAUDI ARABIA AS A STAFF NURSE SINCE 10YRS NOW I WANT TO GO ON FINAL EXIT AND COME BACK AGAIN IN SAUDI BUT MY KAFEEL IS NOT GIVING ME NOC I HAVE NEW VISA FOR OTHER HSOPITAL BUT HOW I CAN BE BACK SOON WITH OUT NOC I WANT TO COME WITHIN TWO MONTHS PLS HELP ME TO GIVE ACCURATE INFORMATION... IAM REALY IN TENSE...IS THERE ANY NEED OF NOC OR NOT PLS REPLY

Expatguru said...

Aafifa,

If you are an Indian national, you do not need any NOC. Only make sure you go on exit, not on exit/reentry from your current employer. You can come back for work any time after you leave the kingdom.

Anonymous said...

Hello,

Thanks your blog has been really helpful and we appreciate you sharing information.

I have a question though. My friend knew an employer from the internet and it happened that they are looking for some Admin assistant. The employer is ready to process and pay for an agency here in Manila but the only visa he can provide is for a DH. Is it possible that what you declared in the visa is not the exact job you'll be doing in Saudi? The employer ensured my friend that she'll be getting the proper contract with the proper salary and benefits info. She's just not sure what will make her stay there safe and that the contract will be duly followed.

Many thanks and more power to you!

-Rachelle from Manila

Expatguru said...

Rachelle,

Thank God you asked me this question. Your friend should not even touch this contract with a barge pole. Tell your friend, and all others who want to make some quick tax-free money in Saudi Arabia, that things are not as rosy as what people think. The worst thing which would happen is for a person to arrive as a DH. Countries like India have long banned their citizens from such professions. Do not get swayed by sweet promises.

sameer said...

Hi,

Your answers are really helpful. I am sameer from canada. i got job offer from university in saudi. I got the visa stamped on my passport. Now I got another job offer from saudi, with much better package than university. I am confused, if I travel and join the university, can I change job easily, after 3-4 months in saudi or it is better not to travel and cancel my current work visa. I am canadian, do I still need NOC, if I dont join the university, just cancel or wait until visa get expired. what would be the best option for me.

Regards,

Sameer

Expatguru said...

Sameer,

You will have to make up your mind which of the two offers you want. Forget about changing your job after reaching here. It is a long drawn out process and remember, the other job wont be waiting for you until then.

Anonymous said...

Sir,
I am resisding in India. My husaband has shifted to Saudi about 5 months back. He is at a managerial post. however he is on the marketing side. this is a proprietory company with commision for the sales target that you achieve. however he has not been able to perform & hence his salary is not good enough.
he wants to come back but does not know how to do it. he is on a five years contract.
he is very depressed & being in India I dont know how to solve his problem. kindly advise. it has been affecting his health tremendously. i need your valuable advise

Expatguru said...

Anonymous,

Right now Saudi is reeling under the effect of the global financial crisis. It is really not your husband's fault that he has not done well. If he is confident that he can do well in India, just ask him to resign and come back. Make sure that he goes out of the kingdom on an exit visa, not exit/reentry, because when the situation becomes normal, he can always return for work with some other employer without an NOC. The fact that he is away from his family adds to the misery. Don't worry. As the saying goes, Tough times do not last, tough people do!

Anonymous said...

Thank you so much sir for writing back. this has been such a moral boost for me. Thanks again.
can my huband resign & come back to India. in that case what is the period of notice that we should mention.
will we have to pay monetory compensation for resigning.
will they trouble him more when he puts in his papers.
i dont think it is worth going through the stress he is going through right now.
we just need to bring him out of the place.
kindly advise

Expatguru said...

Anonymous,


The notice period depends on what your husband's contract says. Usually it is 1-month. It is quite likely that he may have to pay for his return air ticket home, so first ask him to ensure that he has money for that. There is no other compensation to be paid by him. As mentioned, let him resign, come on exit visa (not exit/reentry - this is very important) and I am sure it is just a matter of time before he gets a better job. Good luck!

farha kozayha said...

Hi Expat guru,

Hope you ll be fine.

I came here for a job with a company visit visa of 1 month(working visit visa),which was renewed 3 times.

before the expiry of last renewel my company took my passport in order to process residency here to get ekama,
i-e without going back to my country to stamp my work visa.

now my visit visa is already expired and company couldnot get residency from here,my passport is also lost by my company.
please tell me
(1) how i can go to my country to process my Work visa as company sent my visa to my country now?

Expatguru said...

Farha,

You are at a very high risk now, because you are staying illegally in the kingdom. Since you have overstayed, there is a SR10000 fine plus imprisonment. However, the silver lining is that it was not your fault but your company's fault, because they lost your passport. How stupid can they be, to think that a visit visa could be transferred to a permanent visa without you going out of the kingdom? Anyway, please urgently contact your country's embassy. They will help you to go out on an emergency visa. Of course, your present company has to bear the ticket and pay the fine too.

Anonymous said...

Hi Expatguru, here I'm again to your great blog for answer.

I have friend who didn't pass the medical exam here and have to go back.

The question is, is the sponsor has to bear the air tickect cost back to home country. They don't want to pay, we need a good points in order to fight back.

He has passed the medical test in home country before coming here (he might cought the desease in between, long gap of 6 months between the two test)

Thanks.
Hanafi

Expatguru said...

Hanafi,

The sponsor has to bear the cost of air tickets. This has been clearly stipulated in Article 40(1) of the Labour Law. Ask your friend not to sign anything under duress.

sameer said...

Hi Expat guru,

I have a question again. I decided to go with second offer with STC. I have visa stamped on my passport, with first employer, University, which I didnt use it and I am still in canada. My question is, do I need to wait to get that visa expired and than apply for new work visa or is any way possible i can request the embassy to cancel the current work visa and apply for new one. i would be needing anything from the University for cancelation, as I dont think they are happy with me right now.

Regards,

Sameer

Expatguru said...

Sameer,

You cannot have two live visas at the same time. Immediately fax your intention to the University saying that you are not interested in their offer and request for cancelling your visa. Parallaly, give your passport to the Saudi Embassy in Canada and request for cancelling the visa. Once the visa is cancelled, you can start the process of a fresh visa of STC.

Anuraag said...

Hi.. i am planning to get my parents move with me to KSA. I read thru ur comments on the subject but still not sure if there is a minimum gap period between their 2 visits ? you mentioned they can come for 5 months and then again 5 months etc.. but is there a minimum gap bteween their stay ?
pls guide,

thanks

Expatguru said...

Anuraag,

Let's say you apply for 90 days and you get the 90 days. Just before the visa is about to expire, you must go and get it renewed. Depending on the mood of the officer, you would get an extension of a maximum of 90 days, which makes it 180 days. Just before this 180-day period is about to expire, you must go and get it extended. The second extension, which is the final one, can be extended by another 90 days. So, in effect, you get a maximum of 9 months of stay. Once your parents leave after this 9-month period, you can immediately apply for a fresh visit visa. The gap is the time taken to process the visa, that's all.

Sarfaraz said...

Hi..Expat guru..Allah will bless you for your kind help to us.
I am working here as Sales engineer in KSA since last December.But my iqama has profession Mechanical Draughtman. Since I arrived in Saudi my health is not being stable so I want to resign my job.I have not signed any contract before I came here.I have just signed a formal offer latter which just mentioning yearly leave and monthly salary details.So peoples are saying if you resigning before one year you have to pay visa fees,iqama fees,travel expense both to and from.Can you tell me what as per government law in saudi..Do I have to pay all these??
I am waiting for your reply very eagerly...........

Expatguru said...

Sarfaraz,

It is better to negotiate with your employer and make a quick exit. If you go to the labour court, for sure you will win the case but it may take years together and you will probably end up in a lot of trouble without a salary for that duration.

Sarfaraz said...

Thanks expat guru..for your kind reply

Anonymous said...

hello expat guru..i am a filipino..maybe you can give me some tips about my situation..ive worked in KSA from 2004 but my father got sick and I decided to return home. My company allowed me to take a emergency leave and give me a re entry visa thats was year 2006. But because of my father's situation I was not able to comeback. My question is can i still work in KSA without problems? I dont have any NOC. Your help will be greatly be appreciated. Thank you so much.

Expatguru said...

Anonymous,

Please fill in your query using the link given in the top right hand side of this blog for a personalized reply. I charge a nominal fee for this, to segregate spam from genuine requests and also to give a customized answer.

Anonymous said...

Hi,
I'd like to thank you first for the valuable information tat u're providing us with in this very rich blog..I have a question that many female colleagues (university professors) who would like to teach in SA always have: what would happen if a female gets pregnant and her due date is one or two months before the end of her teaching contract (especially if she's willing to renew her contract with the institution she's working with?? will she be automatically kicked out once she delivers ?

Expatguru said...

Anonymous,

Please fill in your query using the form through the link in the top right corner of this blog. I charge a nominal fee for this consultancy, which would get you a detailed personalized reply.

Anonymous said...

Hi Expatguru,
In some of ur replies I read that u would answer is of interest to many expats.. that last question is indeed very important for women expats!!

johnson said...

hi
i am working in Saudi in company and i finish my contract already and its very urgent for me to go back to my home country but the employer is hold me here with out telling wen they going to send me back how can i go home immediately

Expatguru said...

Johnson,

Please fill in your query using the link in the top right corner of this blog. I charge a nominal fee for this consultancy, which would give you a detailed personalized reply.

Dr Sola said...

Hello Guru,
I am so glad I found this,I have been astonished at being expected to relocate and work in Saudi with next to nothing authenticated information.All the agent seems to know is how to get me on the next available flight.
I got a job to work with MOH Saudi,I'm a doctor.I have 3 documents: my copy of the application form; an arabic document stating how much I would be paid, a transport allowance, and cost of living allowance; and work visa.My agent says I will be given free accomodation or given money equivalent to 3months salary which comes to SAR16000.
Only the application form did I sign nothing else has my signature appended.I signed that the info given was correct, that I would participate in MOH trainings,I wouldnt attend other job interviews while at saudi.The document stating the salary I didn't sign,only the official making the offer signed.I only verbally agreed to it under pressure (the official was walking out on me).Somehow,the amount the official and I worked out was more than the document later indicated but the diffrence could have been from currency conversions.I was posted to a hospital in Makkah.I'm Nigerian and still in my home country
Colleagues who have resumed ahead of me have told of these experiences:
.being posted to another hospital different from what was named on the document
.taking months before getting their iqama and thus being unable to bring their spouse and children along even though the officials mentioned we would be able to do so
.being paid a salary less than what the document made here states
Recently another recruitment was held offering double to triple the salary offered to me for doctors of even lesser qualification.I am quite infuriated at this.My friends say i shall see worse of this sort of thing, anyway here are my questions:
1.Do i have any means of getting a larger salary since contemporaries are being paid more.
2.please guide me to comprehensive information concerning my rights, status and how to solve any problems you envisage i may encounter.
3.The officials told me i would be able to relocate with my spouse and kids all at once.I took their word for it, only to be told by the agent (after the recruitment exercise,when they were getting visas for all selected Dr, and the Saudi officials had left)that it was impossible. The agent says i have to go to Saudi and get my iqama first before i can bring my family over.I have been to the Saudi embassy to seek help TO NO AVAIL.Now, i have 2 young children with the youngest a suckling infant.Pls advice how I may go about this.I have no means of contacting MOH and the agent refuses to directly link me claiming they have tried all that can possibly be of help.
4.My spouse is disabled (lame).Do I get any privileges or concessions on this account?
5.Do i have any rights to insist on being posted to the particular hospital indicated on the document?
i shall be very grateful for a timely response.
Dr Sola

Expatguru said...

Dr. Sola,

Please fill in your query in the form through the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would give you a detailed, personalized reply.

Anonymous said...

Hi,

I found your website and its very useful.

Currently, I'm about to exit Saudi Arabia using an exit visa. I found another company that will employ me and have given me a visit visa so I can return immediately within a month after I exit. Is this ok ? Will I face any problems returning ?

Expatguru said...

Anonymous,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed, personalized reply by email.

Anonymous said...

Hey,

I'm a lebanese guy working at Saudi Arabia for almost one year. My contract will end by sept. 2011 but i will not renew it. I found a new job in Saudi Arabia also. If i will get a final exit from my company and NOC when can i get back on the new visa of my new company.
Thanks for your help

Expatguru said...

Anonymous,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed, personalized reply by email.

June 1, 2011 8:21 AM

Anonymous said...

my problem is different, i had selected for one company in saudi arabia and they give me a visa already , my passport had stamp already, but i don't want to continue going to that country, the agency hold my passport because they already put a stamp on my passport. what should i do? i said i will pay them for the cost that they made for the stamping of my visa, they said they have to go embassy to cancelled my visa but they can tell me when i have to wait. how much will it cost cancelling visa ? and how many days it will take? tnx

Expatguru said...

Anonymous,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed, personalized reply by email.

Shiju said...

Is the exit-reentry is period is calculated according to the number of days printed on the exit - rentry visa? or is it calculated upon the arabic month? My wife is going to india for delivery. She has 180 days validity from the date of exit printed on her exit re entry visa. She is leaving to india on june 2nd 2012. I am planiing to bring her after 6months. as per the number of days printed on the exit reentry caould you please calculate the safest date that she can come back with out any issues at immigration. She need to stay maximum time in india during her vaccation

Expatguru said...

Shiju,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed, personalized reply by email.

Lou_wee said...

I wanted to work and go back in Saudi Arabia but I have left a bank balance (loan) of 3,500SR 3 and a half year ago. What are the consiquences I will be facing at the airport? will I be going in gail? Thanks..

Expatguru said...

Lou Wee,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed, personalized reply by email.

dev said...

hi Expat Guru,
I have got a SAUDI visa stamped on my passport and now I have decided not to go to KSA , now the company who gave the visa is telling me that I have to pay heavy penalty for this...
can you please suggest what is the rule for this....

is there any such rule like that?

can they fine me?

Expatguru said...

Anonymous,

Take the passport from the agent, tell him that you changed your mind and are ready to go to Saudi, then go home, not to airport. Nobody can do anything unless you board the flight. Important thing is to take your passport back.

Anonymous said...

Good Day to you, expert guru, i would like to ask you regarding my wife status. my wife got a job to canada through my sister's help. she is my dependent here in saudi arabia we are both Filipino citizen. my question is. can my wife get visa to canada and can fly exit to canada? thanks a lot...

Expatguru said...

Anonymous,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed, personalized reply by email.

Anonymous said...

Dear Expat Guru,

I joined 1 company in dammam ,and got iqama within 30 days(Labour Category)but i am an engineer.i came to india on emergency exit re entry 180 days validity.i stayed 3 months in saudi arabia only after joining,now i failed to return within 180 days due to some serious problem in india ,now i wanted to return please guide how can i return now my iqama is valid.

please guide me..i have discussed this matter with saudi embassy in mumbai,they told me to get a letter for extension of visa from the sponsor by email.guide me please in detail.

murli gi

Expatguru said...

Murli,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed, personalized reply by email.

Anonymous said...

Greetings,

I was about to go vacation on January 2014, and i was planning to go to Dubai looking for another job instead of coming back to my home country without knowing of my employer. I already have my visit visa in Dubai, my friend arranged it for me. The problem is the immigration here in Riyadh Saudi Arabia will allow me to go there or not? Because I actually don't have plan to come back here in Saudi Arabia. I also don't have a plan to use the ticket which my employer provided to me. I'm going to buy a ticket by my self, Riyadh to Dubai and Dubai to my home country. If I cant found a job in Dubai. For me to be able to ho back to my home country. And is there a possible problem will occur if i git job and they are willing to legalized my status in Dubai.

Take note, I had a re-entry visa here in Saudi Arabia

Expatguru said...

Anoymous,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed, personalized and confidential reply by email.

Sardar Khan said...

I am dependent visa(Not Permitted to work) holder since my wife is working in Saudi arabia. I came to India on exit-rentry visa last month and did not go back. My iqama is expiring next month! I want to know will there be any kind of travel ban on this kind of visa if at all i want to go to Saudi Arabia on a fresh Job visa.
I am desperate and need help please! I need genuine information please please!

Expatguru said...

Sardar,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed, personalized reply by email.

Anonymous said...

Dear Expatguru,
HI..,
I am a Car Rental Agent and working in Jeddah Saudi Arabia for almost 10 years and i decided to go for a final exit, but unfortunately my present employer not willing to give exit visa, they will give only 180 days exit-re entry visa. He told me that there is no problem and i can come back again anytime either same country or GCC, he don't have any objection about my work status. I got a better job offer from Qatar, If I came on this Visa to Philippine is it possible to go Qatar or other GCC Countries for a new job with in the expiry of this visa (180 days ). Actually my visa expired already last dec. 04 2013 i guess but my iqama around march 2014 i think.
Thanks and Waiting for your valuable advice.

Anonymous said...

I worked in a contract company in Saudi Arabia for more than 7 year and have taken a bank loan of 41,000SR in Saudi Hollandi bank payable for 4 years. Four months after taking the bank loan I took my vacation having exit-reentry visa but unfortunately I was not in a position to come back KSA due to some domestic problem and my exit-reentry visa will expire. I called my employer and have explained the matter. Now I would like to close the loan from India. Please advice

Expatguru said...

Anonymous,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed, personalized reply by email.