• Mercer released its annual Quality of Living City Ranking in December.
• The ranking assesses the practicalities of daily life for international workers.
• Seven US cities made the top 50.

In early December, consulting firm Mercer released its 2024 Quality of Living City Ranking.

Using New York City as the base city, Mercer researched and compared the practicalities of daily life for international workers in 241 cities across five continents, looking at factors such as housing, crime, cultural scene, travel, and access to education.

Western European cities like Zurich, Vienna, and Geneva dominated the top positions in Mercer's list, with just seven US cities making the top 50.

Here's a closer look at the ones that made the cut, using the most recent data from the US Census Bureau and Realtor.com:

1. Boston

Mercer's 2024 Quality of Living City Ranking: No. 32

Population: Around 654,000

Median sold home price: $780,000

Median household income: Around $89,000

Known for: The largest city in New England is big on sports, colonial history, and seafood (think buttery lobster rolls and creamy clam chowder).

But Boston might be best known for its higher education offerings, with over 30 universities and colleges, including the likes of Harvard and MIT, having campuses there.

2. San Francisco

Mercer's 2024 Quality of Living City Ranking: No. 36

Population: Around 809,000

Median sold home price: $1.5 million

Median household income: Around $137,000

Known for: Only around a 40-minute drive from Silicon Valley, San Francisco is a global hub for tech and innovation.

It also has a vibrant cultural scene and is dotted with iconic landmarks like the Golden Gate Bridge.

3. Honolulu

Mercer's 2024 Quality of Living City Ranking: No. 39

Population: Around 342,000

Median sold home price: $620,000

Median household income: Around $83,000

Known for: The birthplace of former US president Barack Obama is brimming with stunning beaches, lush green hiking trails, and crystal clear waters.

The Hawaiian capital is one of the most culturally diverse cities in the US.

4. Los Angeles

Mercer's 2024 Quality of Living City Ranking: No. 44

Population: Around 3.8 million

Median sold home price: $1 million

Median household income: Around $76,000

Known for: Los Angeles is one of the US's entertainment hubs. Besides being the primary residence for a long list of Hollywood stars, the city has a world-class food scene, countless shops, and beautiful beaches.

5. New York City

Mercer's 2024 Quality of Living City Ranking: No. 45

Population: Around 8.3 million

Median sold home price: $708,000

Median household income: Around $77,000

Known for: The birthplace of late-night television, the Big Apple is best known as a concrete jungle of skyscrapers and the center of the US financial sector.

The city has a diverse population, an eclectic food scene, and a seemingly never-ending nightlife.

6. Portland

Mercer's 2024 Quality of Living City Ranking: No. 48

Population: Around 630,000

Median sold home price: $530,500

Median household income: Around $86,000

Known for: Portland, Oregon, is known as a haven for creatives, foodies, and small business entrepreneurs. The city's many parks and walking trails make it a sweet spot for those who like a city that blends urban areas with nature.

7. Washington, DC

Mercer's 2024 Quality of Living City Ranking: No. 49

Population: Around 679,000

Median sold home price: $695,000

Median household income: Around $102,000

Known for: The nation's capital and home of the sitting US president, Washington, DC, is full of landmarks like the Lincoln Memorial, the National Mall, and the Washington Monument — to name just a few.

• Victoria Blinova worked in Dubai for four years at a boutique marketing firm and later at Nestlé.
• She grew up in Cyprus and moved to the UAE in 2013 to attend NYU in Abu Dhabi.
• Expats don't pay taxes, but Blinova found saving in Dubai hard because of the luxury lifestyle.

This as-told-to essay is based on a conversation and emails with Victoria Blinova, 30, about living in Dubai and moving to London. The below has been edited for length and clarity.

I grew up in Cyprus and moved to the UAE in 2013 to study at New York University in Abu Dhabi.

While there, I studied Arabic. A significant part of my day-to-day was being immersed in the culture. I wanted to stay in the region after graduation to continue my immersion.

I spent four years in Abu Dhabi, and then I worked in Dubai for four years. Initially, I worked in management consulting in a boutique firm. Later, I got a job at Nestlé and worked there for a couple of years before moving to London.

In Dubai, people are very transient. Everyone's an expat. By my fourth year, most of my friends had left the city. I felt like I needed to explore somewhere new.

Dubai has amazing work opportunities, and I plan to return at some point. There are so many complex and exciting projects you can work on. People are so generous, open to learn, and hungry for opportunities.

For entry-level jobs, if you are at the right company, Dubai is one of the most lucrative markets.

At Nestlé, back in 2019, I was making a good salary tax-free.

When I left Dubai, I had saved around 30% of my salary over four years. But I was constantly biting myself thinking I could have saved even more.

It's easy to get sucked into a glamorous life in Dubai

A lot of people in London are like, "I'm going to move to Dubai. It's like 40% to 100% more salary."

But I had a period in my life where I spent a lot more in Dubai than I spent in London. In London, you can be very thrifty, and that's not frowned upon.

When you're in Dubai, it's not part of the culture. Luxury is very affordable. Because of that, everyone automatically opts into that luxury.

I very often went overboard.

I remember clearly booking a five-star hotel to treat myself randomly for 200 dirhams, which is $54. I'd do stuff like book a five-star hotel for one night, and that's quite normal.

It was also very common to go to yacht parties. I've been to so many.

In 2021, I remember paying £80 for a yacht party. When I told this to my friends in London, and they were like, "But that's 80 pounds?" I responded that it was cheap for a day on a yacht.

Bottomless brunch is also very common. You would spend every weekend going to very luxurious bottomless brunches. It would be like £100 to experience something unforgettable.

In Dubai, if you go out, you're not just going to go to a cheap little place around the corner. There are more expectations on gifts.

You can't walk outside your house in Dubai and not spend a significant chunk of money.

Whereas in London, I feel like everything is so unaffordable, you end up not spending. The lifestyle in London differs because social plans can be going on a walk or spending a day in the park. You're not expected to drop £100 on a dinner. You don't have spend money to enjoy your weekend.

Saving choices like getting a roommate or buying a used car weren't the norm

I was renting for 70,000 dirhams a year ($19,058) divided by two. I had a flatmate, which is not very common in Dubai.

I remember my Nestlé colleagues in Dubai asked me, "Why do you live with a flatmate?" They weren't bullying me, but they thought it was a bit weird.

I also drove a used Nissan Juke, which is a nice car in London. But in Dubai, people would ask, "Why are you not driving an Audi?"

My response was, "I'm 25. I'm not going to buy a Mercedes or an Audi, especially I'm not going to buy it new."

I didn't club, and if I did, it was very rarely. Clubbing is a big deal in Dubai, and lots of people spend a lot on it. I also didn't spend money on luxurious brands, clothes, or handbags, because I didn't really care for them.

My mindset is that if I have money to spend, that means I have money to save.

But I'd say 80 to 90% of my surrounding peers, even the smartest people I knew, would literally live paycheck to paycheck. People opt into luxury automatically because it's relatively cheap.

It becomes part of your lifestyle, and this is when you spend all your money. I found it an ongoing problem.

If you're a family, I think it's easier to spend less. You're probably more accustomed to staying at home.

As long as you're staying at home, I think you can make Dubai work and make it very affordable.

But if you're in your 20s or your early 30s, and you're single or a young couple, and you like going out — prepare to spend a lot more than you ever imagined.

• Nic Lim, a New Zealand author, uprooted his life in New Zealand to become a school teacher in Japan.
• During his four years there, he weathered a pandemic and dealt with cultural and language barriers.
• There are three things people interested in moving to Japan should be aware of, he said.

This as-told-to essay is based on a conversation with Nic Lim, an author from New Zealand who moved to Japan for four years to work as an English teacher. It has been edited for length and clarity. Business Insider has verified his employment history.

In 2019, fresh out of university, I left home in the thick of winter. After a long plane ride, I found myself sweating in the heat of a blazing Japanese summer, en route to what would be my home for the next years.

Before I left home in New Zealand, I'd lived in the same house, in the same city, for my entire life.

I won't sugarcoat it: I wanted more opportunities, and to go out into the world and see what it had to offer.

I've always loved manga, anime, and other aspects of Japanese culture. And having graduated with a media degree, I felt Japan was the place for me.

So, when I was 21 and fresh out of college, I decided to move. I applied for the Japan Exchange and Teaching (JET) Programme, which brings foreign graduates to Japan to work as assistant English teachers.

I was accepted to the program and moved to Koshigaya, a town in the central Saitama Prefecture.

There, I was suddenly exposed to a new culture, a new city, and a new language.

Here are three big lessons I learned from my four years living and working in Japan.

You're going to have to adjust to your new life, and fast

When I got to Japan, I noticed how limited the use of technology was in the classroom.

For example, our morning meeting notes were always printed on paper. Some of my fellow teachers didn't know how to use email, and that was one of the things that prevented us from switching up the system from printed meeting notes to digital documents.

On top of that, we were using ancient computers that were still running Windows 7. Some of the data was still stored on floppy disks.

Also, the scenes you see in manga where kids draw on blackboards are accurate. In the school where I taught, blackboards were the norm. I developed a hatred of having chalk on my fingers because it'd end up staining my suit with white smears.

The way people work at school was also a cultural gap I had to bridge.

Teachers in Japan also behave very differently from how I did, having grown up and gone to school in New Zealand. More traditional teachers conduct themselves strictly, and go by the book.

Meanwhile, I liked chatting in the hallways with the students, and my style of building rapport with the kids caused a bit of friction with some other staff members.

But I'm proud to say that my students began to trust me, and think of me as a friendly face they could approach. I think it's because people are more willing to mess up in front of their friends than they are in front of their teachers — and, by extension, more willing to learn.

Being proficient in Japanese before you leave for Japan is a major plus

Before I went to Japan, I did not know a lot of Japanese. I had a basic grasp of hiragana and the numbers, and in my part-time job at a sushi shop, I would count the pieces of sushi in Japanese to try to practice.

But that was about the extent of my proficiency.

Obviously, one of the advantages of being in Japan is that you're surrounded by Japanese people. It's a great opportunity to immerse yourself in the language — and I tried my best to learn as much of it as possible when I got there.

But my first language struggle hit pretty early on when there was a typhoon. While the government did a good job of offering information in English, at certain points, my phone would light up, an emergency alert would pop up, and it would all be in Japanese.

I'd look at it and think: "Do I need to run?"

It was daunting, being bombarded with emergency alerts that I just could not understand at all.

I also happen to have an extensive list of dietary restrictions. I'm allergic to wheat, gluten, eggs, nuts, and fish.

If you know anything about Japanese cuisine, eggs, wheat, and fish are core culinary components. When I first got to Japan, I couldn't read the food labels in shops.

So that was rough — because I had no idea if food would potentially kill me without looking it up on a translator.

You may think you know Japan from the touristy photos people post on Instagram. You don't.

I think the image that a lot of people have of Japan is what you see in the media — the glitzy streets and neon lights of Tokyo and the shrines and red torii gates of Kyoto.

Beyond Japan's most romanticized elements, there are regular towns where people just go about their lives in their suburban neighborhoods.

I've also traveled to places off the beaten track. I've hiked to the source of an onsen on Mount Adatara in Fukushima, and seen some of the more rural parts of the country that tourists don't often think to visit.

Some days, I would take my bike, pick a direction, and ride until I couldn't go any further. It was intensely freeing — and I encourage people to leave their comfort zone, and go on adventures like this at least once.

Living in Japan inspired me to write a book, "Gate at the End of Summer." I wanted to capture the feeling of the best days of one's high school life. It's rooted in the idea of enjoying one's youth, as best as one can — and not wanting summer to end.

I'd go back in a heartbeat

Of course, life in Japan wasn't perfect — no country is perfect — but I take the good with the bad. But what's stuck with me since I left in 2023 were the great experiences I had there.

I spent a lot of energy trying to make sure that my students could make the most of their time at school, and leave with happy memories. But I came out of it with beautiful memories of life in high school, too.

My teaching contract has ended, but I'd love to go back — if I ever get the opportunity to do so.