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Abandon the lottery mentality to your retirement fundSpeak to your Blacktower FM financial advisor and develop a regular savings plan and retirement strategy Nearly everyone dreams of winning the lottery and sailing into their sunset years of retirement aboard a superyacht of financial freedom and security.. 16/05/2019

Most common investment mistakes part 2 Blacktower Financial Management (International) I have been in the business of helping people with their investments for 30 years now and time and time again I get people coming to see me with problems or losses with their investments and feeling very foolish about their investment decisions. Here are..

Expert conveyancing and Spanish property law advice from PALS solicitors Legal experts in conveyancing, property law, escritura registrations, wills and inheritance laws. Buying a house in Spain can be a daunting prospect, especially for those not familiar with the language, procedures and intricacies of the Spanish legal..

Are you considering transferring your pension to Spain A pension transfer is not for everyone and there will be many factors to weigh up before making the decision to transfer from an existing scheme into a QROPS, SIPPs or other structure. However, a great deal of doubt remains about the long-term viability.. 15/02/2019

Liberty Seguros agent for all your House, Motor, Medical and general Insurance needs in the Camposol and Murcia RegionLiberty Seguros agent for household, motor and general insurance policies, Now offering Health and Funeral Plans for Costa Cálida. Harriett is your fully bilingual local Liberty Seguros agent (since 2008) and assists clients through..

Costa Calida Property Services S.L CamposolConveyancing services, Spanish Wills, inheritance, taxation, driving licences and legal paperwork. Costa Cálida Property Services offer a fully multi-lingual professional paperwork and translation service, helping non-Spanish residents or property..

Spain Axes Expat Mortgage Tax by BlacktowerSpanish property ownership is a fairly common part of many expat wealth management strategies. However, Spanish taxes have been known to present obstacles to some expats in this regard and the uptake of both home ownership and property investment in.. 18/01/2019

How to transfer your pension pot to Spain Blacktower Financial Management (Int) LtdMoving Pensions to Spain Since the Pensions Freedom Act came into force in the UK April 2015 there has been a huge outflow of money from defined benefit pension schemes and personal pensions in the UK. Many people have taken advantage of the new flexibilities..

Targeting Dividends for income. Blacktower Financial Management The FTSE 100 is an index that includes the top 100 companies from the London Stock Exchange. They are ranked by their size (Market Capitalization). However, market cap may not be an investor’s only measure of a stock. Many of the stocks in this index..

Warning! Professional, expert advice is critical before becoming resident in Spain! I recently had a request for an urgent meeting from a new client as he’d been told by his Spanish Lawyer that he had a tax bill of €70,000 even though his small business had made a €50,000 loss due to capital expenditures in his first year of..

What products and rates available for Expats to acheive best income on investments.Best Income for Expats - Update Blacktower Financial Management (International) Limited Here is a brief resume of what is exactly available in the market place for investors and the rates you can expect to receive. Getting the best income possible from your..

Investing and Tax efficiency in Spain. Blacktower Financial Management Expats from the UK coming to live in Spain often have investments such as ISA’s, Tessa’s, PEP’s or some form of National Savings. Whilst living in the UK these investments offered excellent tax efficiency helping towards the growth of their..

Is Bitcoin an Investment? Blacktower Financial Management Investing in Bitcoin Most people have heard of Bitcoin but do not know what Bitcoin actually is. Bitcoin is one of thousands of Crypto Currencies (Crypto’s) that are now on the market - Bitcoin was the first and has only been around since .. 28/02/2018

Blacktower Financial Management (Int.) Ltd open new office at San Pedro Del PinatarThe financial management experts continue their expansion with a new office covering the Murcia region Blacktower are proud to announce the opening of their new office, located on the on the main through road of San Pedro del Pinatar in an office block next..

The impact of UK interest rate rise on the size of your pension pot by Blacktower Financial Management (Int.) Ltd. Keith Littlewood examines the effect of the UK's interest rate rise on expats' pensions The Bank of England raised interest rates for the first time in almost a decade last Thursday. Ok. it isn’t time to start running to the Banks..

With 30 years of experience you can rely on Blacktower Financial Management (International) Ltd to guide you through the Spanish financial legislationKeep pace with the changing Spanish Financial regulations and legislation. The Blacktower Group was formed in 1986 to provide independent wealth management advice and a bespoke service for both individual and corporate clients. Having celebrated..

Have you paid plusvalía tax in a property sold in Spain at a loss? You may be entitled to a refund! The “Plusvalía” tax in Spain has been ruled unfair in cases where properties are sold at a loss The “Impuesto Sobre el Incremento del Valor de los Terrenos de Naturaleza Urbana” (IIVTNU) o Plusvalía Municipal..

Advice for UK investment holders from Blacktower Financial Management (Int.) Ltd. Keith Littlewood offers tips for expats with investments in the UK Many people come to Spain and are quite content with the investments and bank accounts that they hold in the UK, and this is understandable. You can continue to receive statements..

How automatic exchange of information and the Modelo 720 could effect you. Blacktower Financial Management Many people who have move to Spain and have kept assets in the UK must declare their overseas assets each year by 31 st March for the previous year date ending 31 st December. There are 3 categories: Cash, Investments and Property. If the value of the overseas..

1st Legal Services in San Javier, First Legal services specialists in mortgage issues, conveyancing, wills, Tax services and more... Home visits throughout San Javier, Los Alcazares, San Pedro and all areas Murcia with a mission to provide the best possible legal and tax solutions at the minimum possible inconvenience 1st Legal is a reputable English-speaking solicitors’ firm..

Currency investment advice from Blacktower Financial Management (Int.) Ltd. Keith Littlewood offers his top currency investment tips Which Currency should you invest in? This is a subject I raise in every case when I discuss investment strategy. It is all very well looking at how best to diversify a portfolio and..

How to register your property in Murcia as a holiday rental propertyTax authorities and the Murcia government are clamping down on undeclared rentals For many years now the tax authorities in Spain have been stepping up their efforts to clamp down on the practice of undeclared (and therefore illegal) holiday rentals.. 31/07/2017

Tips to avoid common investment mistakes by Blacktower Financial Management (Int.) Ltd. Keith Littlewood explains how to avoid the most common investment mistakes I have been in the business of helping people with their investments for 30 years now and time and time again I get people coming to see me with problems or losses with their..

The financial cost of Brexit by Blacktower Financial Management (Int.) Ltd. How much will Brits returning to the UK from Spain actually cost? The discussions around Brexit negotiations post-election have now centered around the tens of thousands of expat pensioners across the EU that may return to the UK if the country fails..

Post Brexit financial planning for expats by Blacktower Financial Management (int.) Ltd. Blacktower Financial Management (int.) Ltd. examine whether expats can vote in May's surprise general election. Following Theresa May's shock announcement that there will be a general election on June 8, many long-term expats were left wondering..

Investment and asset advice for expats in Spain, from Blacktower Financial Management (Int.) Ltd. Financial tips for expats in Spain: Automatic exchange of information and the Modelo 720 Many people who have move to Spain and have kept assets in the UK must declare their overseas assets each year by 31st March for the previous year date ending 31st..

Expert income advice for expats in Spain from Blacktower Financial Management (Int.) Ltd.Top tips to make sure you're getting the most out of your shares, bonds and deposit accounts Here is a brief resume of what is exactly available in the market place for investors and the rates you can expect to receive. Getting the best income possible..

Make proper plans to use your pension pot wisely. Blacktower Financial Management (International) Ltd Blacktower Financial management (International) Ltd can take the stress out of making the right decision Since the Pensions Freedom Act came into force in the UK April 2015 there has been a huge outflow of money from defined benefit pension schemes and personal..

What is Pension Freedom? by Keith Littlewood DipPFS Blacktower Financial Management (International) Ltd For almost 30 years now I have worked in the pension’s industry. I started out helping people save and plan for their retirement into schemes that had certain rules and legislations and barriers to how benefits could be taken. Quite often clients..

Could Brexit be Guy Fawkes in disguise? Brexit article – by Keith Littlewood, Blacktower Regional Manager Costa Calida On 3rd of November The High Court ruled that Theresa May’s plan to not consult Parliament before starting the UK’s exit from the EU and then triggering Article..

José Díaz Cartagena; supplier of catering hospitality supplies for Hotels and Restaurants in the Murcia Region The business supplies restaurants, cafés, hotels, bars with catering and hostelry products For any restaurant, café, hotel or bar in the Cartagena area or across the Murcia Region, José Díaz is the leading supplier of a full..

Understanding the Funeral Process in Spain will help to avoid stress at a difficult timeIn Spain, it is the norm to plan ahead for your funeral. It’s all part of making things easier for the family and loved ones. The cost of a funeral in Spain continues to rise and most Spanish families take out some kind of funeral plan to cover.. 26/02/2016

Find peace of mind with a cost-effective and practical Avalon Funeral insurance plan In Spain, it is the norm to plan ahead for your funeral. It’s all part of making things easier for the family and loved ones. The most common way of doing so is to take out a cost-effective and practical insurance plan. However, when thinking.. 26/02/2016

Changing to a Spanish driving licence: the law as it stands Do foreign residents in Spain need to take out a Spanish driving licence? This question is one which has been asked many times over the years, not least by those of us who have been fined for using an apparently valid UK licence and ordered to change.. 31/10/2014

Beware fraudsters. 8 things your bank will never ask you to do Fraud is on the increase, particularly on the internet so be aware of potential scams Fraud hurts and there’s nothing worse than being ripped off by an unscrupulous conman. Although the internet is one of the most useful tools for rapid communication.. 26/10/2014

Changing a car to Spanish registration plates: the law as it stands When is it necessary to re-register a car with Spanish plates? The new Traffic and Road Safety law which came into force in April 2014 contained one point which has a large impact for foreign nationals who own vehicles in Spain and has caused a vast.. 11/10/2014

European Union rules that Spanish Inheritance Tax practices are illegal The European Court of Justice orders Spain to change inheritance tax laws The implications of this are huge for those who may already have paid inheritance tax at the “international rates”. Expats who have chosen to move to Spain are.. 05/09/2014

Be confident when buying or selling a property in Spain Simple ways to avoid problems by using professionals when buying Spanish property. Everyone wants to keep their costs down when buying or selling a property in Spain. It’s understandable that prospective Spanish property owners want to ensure that..

Holiday rentals: a target for the Spanish Inland RevenueAny expats living in Spain must also declare pensions as income even if they are below tax paying thresholds Tax inspections are targeting 27.696 Expat pensioners and former non-residents who have not declared income Buying a property for your own.. 08/07/2014

The cost of buying a house in Spain What are all the costs involved when purchasing a Spanish property If you’ve been wondering about buying a house in Spain, now is the time. There is plenty of property out there and it’s on the market at a very good price. Lots of foreigners.. 08/07/2014

New law: Traffic department laws relating to foreign registered vehicles Children under 16 must now wear cycle helmets, and children are not allowed in the front seat of a vehicle On 20th March 2014 the Spanish parliament passed its new law governing Traffic, Motor Vehicles and Road Safety, which contains a number of major.. 24/03/2014

British residents living in Spain must now make passport applications online The new process aims to minimise errors for those living here in Spain Passport applications for Britons resident overseas must now be made via the GOV.UK website All British residents living in Spain must now make their passport applications.. 12/02/2014

What currencies do Foreign Exchange brokers deal with? A vast range of currencies can be traded by residents in Spain When trying to decide how to handle a foreign currency exchange requirement, many people assume that using a bank will be the easiest and most convenient option. But specialist foreign..

Currency Brokers Save you Money on Personal and Corporate Currency Transfers? Using a bank isn´t the most cost effective way of transferring money As the world becomes increasingly international, more people than ever before are opting to live and work overseas. As different as these people may be in terms.. 16/07/2013

Spanish law, driving with children in Spain Seatbelt law, child restraints,whilst driving in Spain When booking a rental car it is vital to make sure appropriate restraints are reserved During peak holiday periods many visitors to Spain hire vehicles for family use, but are unaware of the.. 14/07/2013

Applying for new or replacement passports as a British national living in Spain Changes to the system for Spanish-based expats came into effect on 13th May 2013 Changes to the procedures for obtaining new or replacement passports. British nationals living here in Spain should be aware that the procedures for applying for new or..

Home Insurance and Car Insurance with Nash Warren Bolnuevo Property and Car Insurance South West Murcia, Mazarrón and Bolnuevo Nash Warren are long-established, independent insurance brokers, based in the South-west Murcia town of Bolnuevo, close to the Mazarrón Country Club and within easy driving..

Importance of the Certificate of Habitation Certificate of Habitation Licencia de Primera Ocupación. Every new property in Spain must be issued with a first occupancy certificate or Licencia de Primera Ocupación. This certificate demonstrates that the property developer has fulfilled..

Europe Direct Information Centres in Spain These European Commission Centres exist to help EU citizens find practical information and advice on exercising their rights in the European Union Today, Viviane Reding, Vice-President of the European Commission presented the next phase of development.. 18/03/2013

Beware bogus emails from the Tax office The Hacienda will never contact residents in this fashion. Bin them Beware the bogus websites Occasionally, someone will contact us concerned about an email they have received directly from the Spanish Tax Authority (Agencia Tributaria). Or so it.. 13/03/2013

Be warned, International Fraudsters take advantage of Spanish bank clearing times Fraudsters take advantage of ambiguity in bank statements Readers have contacted us to issue a warning with allegations of scams being perpetrated by fraudsters using the slowness of the cheque clearing system to extort cash from unwary expats. If.. 01/03/2013

Be informed, property tax is calculated on the book value of property, not mid crisis prices The taxman does not understand the concept of bargain homes This is a very interesting aspect of the economic crisis and the decline in house price values, which is leaving bargain buyers with a nasty shock. The sale price of a home is one thing.. 26/02/2013

Obtaining planning permission for any works on your property is now more important than ever LOTUP, Ley de ordenación del territorio, urbanismo y paisaje (urban and landscape planning and zoning law) This article contains a lot of very sensible and practical advice for anyone in Spain relating to any alterations made to property mentions.. 15/02/2013

Uninsured Brits face massive medical bills if things go wrong in Spain Over-55s risk huge medical bills by failing to take out comprehensive holiday insurance The British Embassy have issued a statement asking all of those who have friends or family visiting to make sure they take out adequate travel insurance before.. 13/02/2013

Be aware of changes to the law when making large cash transactions in Spain Cash limits on transactions Changes in the law continue to come thick and fast in an attempt to generate revenue. One of the most recently implemented measures as part of the Anti-Fraud laws is the cap on cash payments. At first glance, this can seem.. 18/01/2013

Spanish gas scams: the facts Gas inspectors, is this a scam? A local reader asked us to verify if the company who charged her elderly mother 140 euros for changing the gas fittings on her cooker and boiler was legitimate or if she had been ripped off by unscrupulous.. 12/12/2012

Your queries: what is the law regarding transportation of gas bottles? It is completely illegal to put gas bottles on the back seat of the car. No matter how many hours we put into researching and writing articles, ( gas scammers the facts) there’s always the “expat factor” to consider, and someone manages.. 07/12/2012

Failure to pay imputed income tax on properties can result in bank embargoes The deadline of 31st December is approaching for those who have to pay imputed income tax. Embargoes by the Tax Authority People often react with indignation when they find out they are not the only ones who can legitimately take money out of.. 29/11/2012

Your queries: What is the difference between fiscal and civil residency? What constitutes a Spanish resident, and should I pay my taxes here or in the UK? Many expats who own property here divide their time between the UK and Spain. During the boom years in Spain, there was very little genuine concern over how many expats.. 20/11/2012

Have you got visitors coming over from the UK this year? Nearly half of the Brits travelling to Spain don´t realise they will have to pay for medical costs if they don´t have travel insurance. If we based our figures on the quantity of people who came here last year, 6.5 million people could.. 18/07/2012

New Residency requirements for EU citizens living in Spain Important, Changes to Spanish Residency laws affect Spanish health cover arrangements. There has been a great deal of coverage given to the whole issue of medical care in Spain during the last few months, one of the biggest issues being the Spanish.. 17/07/2012

24 hour pharmacies rota, Region of Murcia24 hour pharmacy rotas Costa Cálida Useful websites A situation in which some of us may find ourselves is needing urgent medication in the middle of the night. The College of Pharmacists in the Region of Murcia posts "Pharmacias..

Registering on the PadrónRegion of Murcia, Registering on the Padrón What is the padrón? Empadronamiento (or Padrón) - a list of all the people who live in a certain town Empadronarse - the act of registering yourself on this list with your local town..

Health Provision and Insurance in Spain Healthcare in Murcia The question of whether we are entitled to receive healthcare in Spain is a complicated one, as it very much depends on the age and residency status of an individual. This attempts to clarify the system and help you..

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