Big changes have arrived for Luxembourg’s financial sector. On April 9, 2025, the Commission de Surveillance du Secteur Financier (CSSF) rolled out a series of new circulars to bring local regulations in line with the EU’s Digital Operational Resilience Act (DORA). If you’re a financial entity or a service provider in Luxembourg, here’s what you need to know-and do-right now. What’s Driving the Change? DORA officially became law on January 17, 2025, aiming to boost the digital resilience of the financial sector across the EU. It sets out tough new standards for managing information and communication technology (ICT) risks, reporting incidents, testing resilience, managing third-party risks, and sharing intelligence. The CSSF’s latest circulars are designed to remove regulatory overlaps, clarify requirements, and make sure Luxembourg’s framework matches the new EU-wide rules. Key Regulatory Updates Here’s a breakdown of the main changes: ICT and Security Risk Management New Circular CSSF 25/880: This is now the go-to rulebook for payment service providers (PSPs), whether or not they fall under DORA. It adopts the latest EBA Guidelines on ICT and security risk management and sets out how PSPs should assess their ICT risks. It also introduces new reporting requirements on operational and security risks. Circular CSSF 20/750: This circular now only applies to non-DORA entities, with a narrower definition of “PSPs.” If you’re a DORA entity, you’re no longer covered by this circular. Outsourcing Arrangements Circular CSSF 22/806: Previously, this covered all outsourcing-including ICT outsourcing. Now, for DORA entities, it only applies to business process outsourcing. ICT outsourcing is governed directly by DORA, so there’s no more overlap. For non-DORA entities and management companies, the circular still applies in full. Cloud Computing: Specific contractual clauses for cloud service providers have been repealed to harmonize requirements for both DORA and non-DORA entities. New Requirements for ICT Third-Party Services New Circular CSSF 25/882: This sets out the rules for DORA entities when using ICT third-party services. It covers reporting obligations, the need to maintain a detailed register of all ICT third-party arrangements, and retains some elements from the old framework that aren’t covered by DORA but are still needed for compliance. What Should Financial Entities Do Next? Here’s a quick action plan to help you stay compliant: Review and update your ICT risk management procedures to align with the latest EBA Guidelines and Circular CSSF 25/880. Make sure you meet the new reporting requirements under Article 105-1(2) of the Law of 10 November 2009 on payment services. Check your outsourcing agreements. Update them to reflect the new requirements in Circular CSSF 22/806 (for business process outsourcing) and Circular CSSF 25/882 (for ICT outsourcing and third-party services). If you’re a DORA entity, ensure you’re maintaining a comprehensive register of all ICT third-party arrangements as required by the new circulars. These changes aren’t just about ticking boxes-they’re about building stronger digital defenses in a world where cyber risks are growing fast. DORA’s requirements are now the gold standard, and the CSSF is making sure Luxembourg’s financial sector keeps pace. By acting now, you’ll not only stay on the right side of the rules but also help protect your business and your clients from digital threats. If you’re unsure how these updates affect your organization or need help updating your policies and contracts, now’s the time to seek expert advice. The new rules are here, and being proactive is the best way to stay resilient. Read more: https://www.cssf.lu/en/2025/01/entry-in-application-of-dora-regulation-on-17-january-2025/ https://www.cssf.lu/en/digital-operational-resilience-act-dora/ https://www.goodwinlaw.com/en/insights/publications/2025/01/alerts-finance-fs-entry-into-force-of-dora-in-luxembourg https://www.cssf.lu/en/2025/04/definition-of-ict-services-under-dora-new-forms-for-ict-third-party-arrangements-ict-outsourcing-arrangements/ https://chambers.com/articles/dora-the-cssf-is-making-far-reaching-changes-to-its-regulatory-framework-on-ict-risks-and-outsourc https://practiceguides.chambers.com/practice-guides/banking-regulation-2025/luxembourg/trends-and-developments https://www.nautadutilh.com/en/insights/cssf-aligns-outsourcing-rules-with-dora-framework/ https://insightplus.bakermckenzie.com/bm/banking-finance_1/luxembourg-cssf-aligns-with-dora-key-updates-on-ict-and-outsourcing-regulations https://www.arendt.com/news-insights/news/entry-into-application-of-dora-today/ https://www.klgates.com/Digital-Operational-Resilience-in-the-Financial-Services-Sector-EU-and-UK-Update-7-31-2024 https://www.cssf.lu/en/2024/12/dora-regulation-reminders-and-advice-on-preparedness/ https://www.cssf.lu/en/2025/04/updates-of-several-cssf-circulars-related-to-ict-risk-management-and-use-of-ict-third-parties-ict-outsourcing/ https://www.mondaq.com/financial-services/1572410/entry-into-force-of-dora-on-january-17-2025-the-cssf-will-be-at-the-heart-of-the-compliance-framework-in-luxembourg https://www.cssf.lu/wp-content/uploads/cssf22_806eng.pdf https://www.deloitte.com/lu/en/Industries/financial-services/perspectives/cssf-releases-outsourcing-circular.html

Luxembourg has rolled out new legislation that significantly enhances employee protections during cross-border mergers, conversions, and divisions. This move aligns the country with the EU’s Mobility Directive (Directive (EU) 2019/2121) and brings important changes for both companies and their workforces involved in cross-border restructurings. What’s New for Companies and Employees? If your business is planning a cross-border restructuring—whether a merger, conversion, or division—published on or after April 1, 2025, you’ll need to follow a much stricter process for informing and consulting employees. Here’s what’s changed: Companies must now formally notify shareholders, employee representatives (or employees directly if there’s no representation), and creditors about the planned restructuring. This notice must be given at least five working days before the shareholders’ meeting. Detailed explanatory reports, previously only required for shareholders, are now mandatory for employees as well. These reports must analyze the impact of the restructuring on employment relationships, outline any measures to safeguard jobs, and describe any significant changes to working conditions or company locations. These employee reports must be made available electronically to representatives or employees at least six weeks before the shareholders’ meeting, alongside the draft terms of the operation. Employees or their representatives can submit comments on the restructuring, which must be considered by shareholders and attached to the shareholders’ report. While these comments aren’t binding, they ensure employees’ voices are heard in the process. The rules for employee information and consultation, previously limited to cross-border mergers, now also cover cross-border conversions and divisions Stronger Employee Participation Rights The new law doesn’t just stop at information and consultation. It also expands employee participation rights: Employee board-level participation, previously only required for cross-border mergers, now extends to conversions and divisions. If a company has averaged at least 800 employees over the past three years, it must ensure employees have representation at the board or supervisory level. In cases where a cross-border operation involves a company already subject to employee participation, the new entity must either apply standard participation rules or negotiate a new framework with a special negotiating body. The outcome of these negotiations must be communicated to employees within three working days. If negotiations fail, default provisions ensure that employee participation remains at least at the previous level. Employee participation rights must be protected for four years after the restructuring, even if there are further mergers, conversions, or divisions during that period. Imagine a Luxembourg-based company with 1,000 employees planning to merge with a company in another EU country. Under the new law, management can’t simply announce the merger and move on. Instead, they must prepare a detailed report for employees, allow them to submit comments, and ensure that employees are represented on the new company’s board for at least four years after the merger. This gives employees a real say and ensures their interests are protected throughout the process. Actionable Steps for Companies If you’re considering a cross-border restructuring, here’s what you should do: Start early: Begin preparing detailed employee reports and set up clear communication channels with employee representatives. Meet the deadlines: Ensure all notifications and reports are delivered within the required timeframes—six weeks for reports, five working days for comments before the shareholders’ meeting. Plan for participation: If your company meets the 800-employee threshold, be ready to negotiate board-level participation and protect those rights for at least four years. Consult legal experts: Given the complexity and strict requirements, seeking specialized legal advice can help you avoid compliance pitfalls and potential disputes Why This Matters These changes put Luxembourg at the forefront of employee protections in cross-border restructurings. They ensure employees are not left in the dark and have a meaningful role in shaping the future of their workplace. For companies, compliance isn’t just a legal box to tick—it’s a way to build trust and stability during times of significant change. Connect, Belong, Thrive: Your Expat Community in Luxembourg - Sign Up Free! luxembourgexpats.lu

A New Chapter on the World’s Highest Peak This year, Mount Everest is seeing a dramatic shift. For the first time, drones are being used to deliver supplies and remove waste, transforming how expeditions operate and making the climb safer for everyone involved. The days of Sherpas risking their lives carrying heavy loads through dangerous icefalls may soon be behind us. How Drones Are Helping on Everest Drones are now delivering crucial gear—like ladders, ropes, and oxygen tanks—directly to the most hazardous sections of the mountain. The journey from Base Camp (5,364 meters) to Camp One (6,065 meters) usually takes Sherpas six to seven hours on foot. With drones, the same trip is completed in just six to seven minutes. This not only saves time but also reduces the risks Sherpas face from avalanches and collapsing ice. Airlift Technology, a Nepalese drone startup, is leading this effort. Their drones, some donated by DJI, can carry up to 30 kilograms (about 66 pounds) per trip, though loads are often kept lighter for safety. Sherpas guide the drone operators by sending coordinates for where supplies are needed, and the drones fly in the equipment. This way, Sherpas can focus on route setting and guiding climbers, not hauling heavy loads. Real Impact: Safety, Speed, and Cleanliness The results are already impressive. In early tests, drones removed around 500 kilograms (over 1,100 pounds) of garbage from Camp One to Base Camp, requiring more than 40 flights. This helps keep Everest cleaner and reduces the environmental impact of climbing. For Sherpas, the benefits are huge. Drones cut the time and danger involved in supply runs, letting them concentrate on their expertise and reducing their exposure to life-threatening hazards. With fewer trips needed through the treacherous Khumbu Icefall, the risk of fatal accidents drops significantly. While the technology is promising, there are still hurdles. Each drone costs around $70,000, and operating them at high altitude is expensive—everything from charging batteries to food and lodging at Base Camp adds up. The harsh weather and thin air present technical challenges, too. Still, the potential for drones to save lives and preserve the mountain’s environment is driving more investment and innovation. The Nepalese government and expedition companies are now scaling up drone use for the 2025 climbing season. There’s hope that, as drones take on the most dangerous tasks, more Sherpas will stay in the profession, and Everest expeditions will become safer and more sustainable. What This Means for Future Climbers If you’re planning an Everest climb, here’s what you can expect from this new era: Faster, safer delivery of essential gear and emergency supplies Cleaner camps, with drones removing waste more efficiently More Sherpas focusing on guiding and safety, not just carrying loads The mountain will always be a challenge, but with drones, the risks are lower and the impact on Everest’s fragile environment is reduced. Technology is helping climbers and Sherpas alike, making the world’s highest peak just a little bit safer for everyone. Connect, Belong, Thrive: Your Expat Community in Luxembourg - Sign Up Free! luxembourgexpats.lu

If you’ve ever dreaded the paperwork or the upfront costs after a doctor’s visit in Luxembourg, there’s good news on the horizon. The National Health Insurance Fund (CNS) is rolling out a new system called ‘Paiement Immédiat Direct’ (PID), and it’s set to make life a lot simpler for patients—especially expats who are still learning the ropes of the local healthcare system. No More Upfront Payments: What PID Means for You Imagine this: you visit your doctor, get the care you need, and only pay your small share of the bill right there—no more paying the full amount and waiting weeks for reimbursement. With PID, the CNS now pays the covered portion of your bill directly to your doctor in real time. For most doctor visits, that means you’ll only pay your personal contribution (usually around 12%), while the CNS instantly covers the rest. For children and teens under 18, even that personal contribution is waived, so their visits are 100% covered. This system is already available at many doctors’ offices and is quickly expanding to major hospitals like the Luxembourg City Hospital Centre. If your doctor hasn’t adopted PID yet, you can simply ask—they might be in the process of joining, and more are signing up every month. Less Paperwork, Faster Service PID isn’t just about saving money; it’s about saving time and hassle. You no longer have to fill out forms, send claims by post, or wait for your reimbursement to hit your bank account. Everything is handled instantly and electronically. After your visit, you’ll receive a statement of services either through your secure online portal (MyGuichet.lu) or by post, depending on your preference. For expats, who might not be familiar with Luxembourg’s health insurance procedures, this is a huge relief. It removes language barriers, cuts out complicated forms, and means you don’t need to worry about missing a step in the reimbursement process. Digital Health Transformation: What’s Next? Starting July 2025, Luxembourg is taking things a step further. All doctors will be required to use standardized digital forms to communicate with the CNS. This means your medical information, prescriptions, and bills will be exchanged securely and efficiently through a national electronic health data platform. The goal? Less bureaucracy, fewer errors, and a smoother experience for everyone. Hospitals are also joining in. The Luxembourg City Hospital is leading the way, converting more of its departments to the PID system every month. Soon, even radiology and emergency services will be covered, making healthcare even more accessible. For anyone living in Luxembourg—especially newcomers—navigating healthcare can be overwhelming. The PID system takes much of the stress out of paying for medical care. No more big upfront costs, no more chasing reimbursements, and no more paperwork headaches. If you haven’t already, ask your doctor about PID. Activate your eDelivery on MyGuichet.lu to get your health statements instantly. And keep an eye out as more hospitals and specialists join the system in the coming months. Luxembourg’s healthcare is already known for its quality. With these digital upgrades, it’s becoming one of the most user-friendly systems in Europe—making it easier for everyone to get the care they need, when they need it. Connect, Belong, Thrive: Your Luxembourg Expats Community in Here - Sign Up Free! luxembourgexpats.lu

If you’ve noticed your favorite Easter chocolates costing more this year in Luxembourg, you’re not alone. Luxembourg chocolatiers, like many across Europe, have been forced to raise prices as cocoa costs have soared to unprecedented levels—nearly €12,000 per tonne, a threefold increase over the past two years. Why Are Cocoa Prices So High? The main reason behind this price hike is a global cocoa crisis. West Africa, which supplies about 70-80% of the world’s cocoa, has faced a “perfect storm” of challenges. Diseases like swollen shoot virus have devastated crops, while unpredictable weather—heavy rains, droughts, and heat waves—linked to climate change have slashed yields in countries like Côte d’Ivoire and Ghana. These two nations alone account for most of the world’s cocoa beans, and their harvests have dropped to multi-decade lows. As a result, the global cocoa supply has shrunk by over 13% in the past year, creating the largest deficit in over 60 years. What Does This Mean for Easter Chocolate? For consumers in Luxembourg, this means Easter eggs and seasonal chocolate treats are noticeably more expensive. Industry data shows that prices for Easter chocolate products in 2025 are, on average, 18% higher than last year. Over the past three years, chocolate prices have climbed by nearly 43%, with much of the increase happening in the last twelve months alone. Chocolatiers are trying to balance rising costs with consumer expectations. While everyday chocolate bars might see smaller price hikes or even reduced sizes (a practice known as “shrinkflation”), seasonal products like Easter eggs are more likely to get direct price increases. That’s because people often buy them as gifts or special treats, making them less price-sensitive—at least for now. How Are Chocolate Makers Responding? Some chocolate makers are shrinking product sizes to soften the blow. For example, popular brands have reduced the number of bars in multipacks or the weight of classic chocolate bars, hoping to avoid sticker shock at the checkout. Others are reformulating recipes to use less cocoa or switching to alternative ingredients, but this can impact taste and quality. Luxembourg’s chocolate market has also taken a hit, with overall sales falling sharply last year. The combination of higher prices and economic pressure means some consumers are buying less chocolate or switching to cheaper alternatives. Will Prices Keep Rising? In the short term, chocolate prices are expected to keep climbing through the rest of 2025, with increases in the 8-10% range likely for many products. However, there are signs that if cocoa prices stabilize or drop later in the year, retail prices could eventually follow—but there’s usually a lag of several months before consumers see relief. What Can Shoppers Do? If you’re looking to save on Easter chocolate, consider shopping early, comparing prices across stores, or opting for smaller or private-label brands. Some consumers in other countries have even switched from traditional Easter eggs to chocolate bars for better value. And while price hikes are frustrating, every purchase still helps support cocoa farmers, many of whom are struggling with the very challenges that have pushed prices up in the first place. This year’s Easter chocolate price hike in Luxembourg is the result of a global cocoa crisis driven by crop disease, climate change, and supply shortages. While prices are high now, there’s hope that as the market stabilizes, the cost of your favorite treats may eventually come down.

In a dramatic shakeup at the top of the luxury world, Hermès has surpassed LVMH to become the most valuable luxury company on the planet. This milestone comes after a turbulent day in the stock market, where shares of LVMH—owner of iconic brands like Louis Vuitton and Dior—fell sharply following disappointing first-quarter results, while Hermès’ stock remained steady. What Drove the Shift? The luxury sector has faced headwinds in 2025. After a pandemic-era boom, middle-class consumers have pulled back on spending, China’s economy has shown signs of weakness, and new trade tariffs from the US have added pressure. LVMH, led by Bernard Arnault, reported a 5% drop in sales for its crucial fashion and leather goods division, missing analysts’ expectations and triggering a nearly 8% drop in its share price. This pushed LVMH’s market capitalization down to €246.5 billion, its lowest since late 2020. Meanwhile, Hermès, famed for its Birkin and Kelly bags, ended the day with a market cap of €248.1 billion, clinching the title of world’s most valuable luxury company. In dollar terms, Hermès now boasts a valuation of about $276 billion, putting it among Europe’s top three listed companies, just behind SAP and Novo Nordisk. Why Hermès Is Winning Hermès’ strategy centers on exclusivity, craftsmanship, and a fiercely loyal ultra-wealthy clientele. Unlike many competitors, Hermès keeps production tight and doesn’t chase mass-market growth. Customers are willing to wait months or even years for coveted items like the Kelly bag, which can sell for over €8,000 and fetch even higher prices on the resale market. This exclusivity translates to extraordinary pricing power. Hermès shares trade at roughly 50 times forward earnings, far higher than any other luxury brand. Analysts point out that Hermès’ brand desirability means it doesn’t need to hike prices as aggressively as others to offset rising costs or tariffs. A Look Back—and Forward This isn’t the first time Hermès and LVMH have clashed. Fifteen years ago, LVMH attempted a stealth takeover of Hermès, a move that shocked the French business world. The Hermès family successfully resisted, and today, the sixth-generation heir Axel Dumas leads the company, which has seen double-digit sales growth in recent years. While the broader luxury sector is feeling the pinch—with brands like Prada and Kering also seeing stock declines—Hermès’ disciplined approach is paying off. The company’s resilience in uncertain times is now the benchmark for the industry. What Can Other Brands Learn? For those in the luxury business, Hermès’ rise offers a few key takeaways: Focus on brand exclusivity and desirability, not just volume. Maintain tight control over production and distribution. Build lasting relationships with high-net-worth clients. Resist the urge to chase short-term trends at the expense of long-term brand value. If you’re building a premium brand—whether in fashion, hospitality, or another sector—consider how Hermès’ patient, disciplined approach to growth and brand management might inspire your own strategy. In a world where trends shift quickly, true luxury still lies in scarcity, quality, and timeless appeal. Connect, Belong, Thrive: Your Expat Community in Luxembourg - Sign Up Free! luxembourgexpats.lu

Luxembourg isn’t just about its charming capital city. The entire country is a magnet for expats, thanks to its unique blend of career opportunities, high living standards, and multicultural atmosphere. If you’re considering a move, here are ten standout reasons why Luxembourg is consistently ranked as one of the best places for expats to live and work. High Quality of Life Across the Country Luxembourg ranks high for quality of life, not just in the capital but throughout the country. Residents enjoy clean cities, beautiful green spaces, and a peaceful atmosphere. The infrastructure is modern and well-maintained, making daily life comfortable and stress-free. Free Public Transportation Nationwide Luxembourg is the first country in the world to offer free public transport nationwide. Whether you’re commuting to work in the city or exploring the countryside, trains, trams, and buses are all free, making it easy and affordable to get around. Strong and Stable Economy Luxembourg boasts one of Europe’s most robust economies, with low unemployment and high wages. The country is a hub for finance, tech, and logistics, attracting multinational companies and offering excellent career prospects for skilled professionals. Multicultural and Multilingual Society Nearly half of Luxembourg’s population is made up of expats, creating a vibrant, multicultural environment. The country has three official languages—Luxembourgish, French, and German—and English is widely spoken, making integration smooth for newcomers. Excellent Healthcare System Luxembourg offers universal healthcare coverage, with both public and private options. The system is ranked among the best globally, ensuring residents have access to top-notch medical services, modern hospitals, and multilingual healthcare professionals. Family-Friendly Policies and Education Families benefit from generous social security, excellent childcare, and parental leave policies. The education system is top-tier, with international schools and multilingual programs that cater to children from all backgrounds. Safety and Security Luxembourg is consistently ranked as one of the safest countries in the world, with very low crime rates. This sense of security is a major draw for families and solo expats alike. Strategic Location in Europe Bordering France, Germany, and Belgium, Luxembourg is at the heart of Europe. Major cities like Paris, Brussels, and Frankfurt are just a short train ride or drive away, making travel for work or leisure incredibly convenient. Green Spaces and Outdoor Activities From rolling hills to lush forests and scenic rivers, Luxembourg offers plenty of opportunities for outdoor enthusiasts. Hiking, cycling, and exploring nature parks are popular pastimes, and half the capital city is made up of parks and green areas. Welcoming Expat Community and Support With such a large international population, Luxembourg has a well-developed network of expat groups, social clubs, and support services. This makes it easy to make friends, get practical advice, and feel at home quickly. Have you already joined luxembourgexpats.lu Actionable Tips for Moving to Luxembourg Start learning a local language—Luxembourgish, French, or German—to boost your integration and job prospects. Take advantage of free public transport to explore different regions and find your ideal neighborhood. Connect with expat groups online and in person to build your network and get insider tips. Research international schools early if you’re moving with children, as spots can fill up quickly. Make time to explore Luxembourg’s nature parks and historic sites to fully experience the country’s culture and beauty. Let's see a real example: When Priya, an IT professional from India, moved to Luxembourg with her family, she was amazed by how easily they settled in. Free transport made daily commutes a breeze, and her children thrived in a multilingual school. The family quickly made friends through expat meetups, and weekend trips to neighboring countries became a new favorite pastime. If you’re searching for a safe, welcoming, and opportunity-rich destination in Europe, Luxembourg offers the perfect blend of career growth, quality living, and cultural diversity. Connect, Belong, Thrive: Your Expat Community in Luxembourg - Sign Up Free! luxembourgexpats.lu

The tragic death of former model Mileva Brooks in a Cheltenham gym sauna has cast a spotlight on the potential dangers of sauna use, especially for older adults and those with underlying health conditions. While saunas are often praised for their relaxation and possible health benefits, this incident is a sobering reminder that extreme heat can have serious, even fatal, consequences. What Happened in Cheltenham? Mileva Brooks, aged 75, was found unresponsive in the sauna at Everlast Gym in Cheltenham on August 26, 2022. Despite being rushed to hospital, she died three days later from heatstroke. The inquest revealed that her body temperature had soared to 39.2°C, well above safe levels. There was no evidence of equipment failure or negligence by the gym—she had read the safety notice before entering, and staff responded promptly when other members raised the alarm. The coroner concluded that Mileva died from the effects of heatstroke, with no other medical condition contributing to her death. Understanding Sauna Risks Saunas are generally safe for most healthy people when used properly, but the risks increase with age, certain health conditions, and prolonged exposure. Here’s what can go wrong: Heatstroke: Spending too long in a sauna can overwhelm the body’s cooling mechanisms, leading to dangerously high core temperatures. Symptoms may include confusion, fainting, and loss of consciousness, as seen in Mileva’s case. Dehydration: Sweating in a sauna leads to fluid loss. Without adequate hydration, this can cause dizziness, low blood pressure, and even fainting. Heart complications: The heat puts extra strain on the heart, which can be risky for people with heart disease, uncontrolled high blood pressure, or recent heart attacks. Burns and skin irritation: Prolonged exposure or high temperatures can cause burns or blistering. Medication interactions: Some medications, including transdermal patches, can increase the risk of overheating or interact dangerously with the heat. Who’s Most at Risk? While sauna-related deaths are rare, certain groups are more vulnerable: Older adults, whose bodies may not regulate temperature as efficiently. People with heart disease, low blood pressure, or kidney problems. Those taking medications that affect sweating or heart rate. Anyone consuming alcohol or stimulants, which can impair the body’s response to heat. Mileva Brooks’ story is not isolated. In another case, a woman in her 70s suffered severe heatstroke and multi-organ failure after spending too long in a sauna, requiring nearly two weeks of hospital care. Though she survived, she experienced seizures, liver and kidney injuries, and a heart attack—all triggered by excessive heat exposure. How to Use Saunas Safely If you enjoy saunas, here are some practical tips to minimize risk: Limit your time: Most experts recommend sessions of no more than 15–20 minutes. Stay hydrated: Drink water before and after your sauna session. Listen to your body: Leave the sauna immediately if you feel dizzy, nauseous, or unwell. Avoid alcohol and stimulants: These can impair your body’s ability to handle heat. Check with your doctor: If you have heart problems, low blood pressure, or other health concerns, get medical advice before using a sauna. Never use a sauna alone: If you become unwell, you’ll need someone to help. Takeaway Saunas can be relaxing and even beneficial for many people, but they’re not risk-free. The heartbreaking loss of Mileva Brooks is a powerful reminder to approach sauna use with caution, especially if you’re older or have health issues. Moderation, awareness, and listening to your body are the keys to enjoying saunas safely. Connect, Belong, Thrive: Your Expat Community in Luxembourg - Sign Up Free! luxembourgexpats.lu

Luxembourg is making big moves in healthcare, aiming to recruit over 1,200 new doctors by 2030. If you’re an expat or an international medical graduate, this is an exciting opportunity to build a rewarding career in one of Europe’s most dynamic and multicultural countries. But before you jump in, it’s important to understand the requirements, especially around language, and how Luxembourg stacks up against other European destinations for doctors. Why Luxembourg Needs 1,200 More Doctors Luxembourg is facing a shortage of doctors due to an aging population and a wave of upcoming retirements among its current physicians. The country already relies heavily on foreign-trained professionals, with many doctors and nurses commuting from neighboring countries. To ensure high-quality healthcare for its residents, Luxembourg is investing in recruiting, training, and retaining more medical professionals—making now the perfect time for expats to consider making the move. Language Fluency: The Key Requirement One of the most important requirements for practicing medicine in Luxembourg is language fluency. The country has three official languages: French, German, and Luxembourgish. In medical settings, French is most commonly used, but German and Luxembourgish are also important, especially for patient communication. Here’s what you need to know: • Minimum Level: You must demonstrate at least B2-level proficiency in French, German, or Luxembourgish. This means you can communicate comfortably and professionally. • Proof: You’ll need an official language certificate (like DELF for French or Goethe-Zertifikat for German), or proof that your studies or work experience were completed in one of these languages. • No Exceptions: Even highly qualified doctors cannot practice without meeting the language requirement. How Expats Can Prepare for a Medical Career in Luxembourg If you’re considering this career path, here’s a step-by-step guide: 1. Start Language Training Early Begin learning French (or German/Luxembourgish) as soon as possible. Most expats find French the most practical choice for the healthcare sector. 2. Gather and Translate Your Documents Prepare your medical degree, certifications, and other important documents. If they’re not in one of Luxembourg’s official languages, get them translated by a certified translator. 3. Get Your Qualifications Recognized • EU/EEA/Swiss Nationals: Submit your credentials to the Ministry of Health for recognition. • Non-EU Nationals: You’ll need your diploma recognized, a medical license from an EU country, and a valid residence permit. 4. Secure a Job Offer For non-EU nationals, a job offer is required before moving to Luxembourg. Hospitals and clinics often recruit internationally, so start your search early. 5. Apply for a License to Practice Submit your application, including your CV, certificates, proof of language proficiency, and other required documents, to the Ministry of Health. 6. Register with the National Health Fund (CNS) You’ll need to apply for a healthcare provider code to practice legally. How Luxembourg Salaries Compare to Other European Countries Luxembourg stands out for its high doctor salaries and excellent working conditions. Here’s a simple comparison with other European countries: Luxembourg: • General practitioners: €120,000–€160,000 per year • Specialists: €170,000–€220,000 per year • Median salary: Around €142,000 • Entry-level doctors: From €79,600 • Top specialists: Up to €228,000 Germany: • Residents: €48,000–€70,000 per year • Specialists: €80,000–€120,000 per year (chief doctors can earn more) • Median specialist salary: €146,000 Netherlands: • Residents: €50,000–€70,000 per year • Specialists: €100,000–€180,000 per year • Average specialist salary: €160,000 France: • Hospital doctors: €55,000–€90,000 per year • Private specialists: €150,000–€250,000 per year • Average GP salary: €70,000 United Kingdom: • GPs: Around €73,000 per year • Specialists: Around €136,000 per year Spain: • Junior doctors: €30,000–€40,000 per year • Specialists: €60,000–€90,000 per year Switzerland: • Doctors: CHF 130,000–CHF 200,000 per year • Specialists: CHF 300,000–CHF 600,000 per year Eastern Europe: • Doctors: €10,000–€25,000 per year • Specialists: €40,000–€80,000 per year (private/expat roles) Why Luxembourg Is a Top Choice for Doctors • High Salaries: Luxembourg offers some of the highest doctor salaries in Europe. • Work-Life Balance: Doctors enjoy reasonable working hours, generous leave, and a manageable workload. • Modern Healthcare System: Hospitals and clinics are well-equipped, and the infrastructure is excellent. • Multicultural Environment: With three official languages and a diverse community, expats feel welcome and can integrate easily. • Career Growth: There’s a strong demand for both generalists and specialists, with opportunities in both public and private sectors. • Central Location: Luxembourg is a travel hub, making it easy to explore other European countries on your days off. Things to Consider • Cost of Living: Salaries are high, but so are living expenses, especially for housing. • Language Requirements: Fluency in French, German, or Luxembourgish is mandatory. • Qualification Recognition: Your medical degree and credentials must be officially recognized before you can work. A Real Example A Spanish doctor moved to Luxembourg for a specialist role after reaching B2-level French and getting her qualifications recognized. She now earns nearly double her previous salary, enjoys a better work-life balance, and travels easily across Europe. Actionable Steps for Aspiring Expats • Start language studies now—don’t wait until you’re ready to move. • Take official language exams to prove your proficiency. • Organize and translate all necessary documents early. • Network with other expat doctors in Luxembourg for advice and support. • Explore both public and private sector opportunities. In summary, Luxembourg’s plan to recruit 1,200 doctors by 2030 is a fantastic opportunity for expats looking for high salaries, excellent working conditions, and a vibrant, multicultural lifestyle. With the right preparation—especially around language fluency—you could soon be thriving in one of Europe’s most attractive destinations for medical professionals. Connect, Belong, Thrive: Your Expat Community in Luxembourg - Sign Up Free! luxembourgexpats.lu

If you’re an American living abroad, you know that managing your finances and staying compliant with US laws can be tricky. With a second Trump term, there are likely to be new developments that could affect your life overseas. Let’s look at what’s changing, what to watch for, and how you can make the best of your expat experience. What’s Shifting for American Expats? A second Trump administration could bring changes to tax policies, financial regulations, and even the way US citizens are treated by foreign banks. These shifts might make it harder or easier to manage your money, depending on where you live and how you handle your finances. Tax Rules: Still Complicated The US is one of the few countries that taxes its citizens no matter where they live. This means you have to file a US tax return every year, even if you haven’t set foot in the States for ages. Under Trump, there could be new tax rules or enforcement priorities, so it’s important to stay updated. Missing a filing or misunderstanding a rule can lead to headaches and penalties. Banking and Investments: More Hurdles Many foreign banks are cautious about working with Americans because of strict US regulations. You might find it tough to open a new account or invest in local funds. Some US investment firms also restrict accounts for clients living overseas. This can make it challenging to save for retirement or invest for your family’s future. A Real-World Scenario Take Sandra, who moved to Luxembourg for work. She tried to open a local investment account, but the bank turned him away because he’s American. Her US brokerage also limited his trading options. Sandra had to search for a financial advisor who understood both US and Luxembourg rules to help him sort things out. Practical Steps for Expats - Stay Informed: Keep an eye on US policy changes, especially those affecting taxes and banking. - Find the Right Help: Look for advisors who specialize in helping Americans abroad. They can guide you through the maze of rules. - Don’t Skip Tax Filings: Even if you owe nothing, you still need to file. Set reminders so you don’t miss deadlines. - Review Your Accounts: Before moving, check if your US accounts will stay open and if you’ll have access from overseas. - Join Expat Communities: Other Americans abroad can share tips and recommend trusted professionals. luxembourgexpats.lu hello? Looking Ahead Living abroad as an American is rewarding, but it comes with unique challenges—especially during times of political change. By staying proactive and seeking expert advice, you can avoid common pitfalls and enjoy your expat journey with confidence. Connect, Belong, Thrive: Your Expat Community in Luxembourg - Sign Up Free! luxembourgexpats.lu