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Surviving Spain, Money, Legal and Financial matters

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Do you have medical Insurance? Talk to Seguros Costa Blanca your local DKV Private Health Care Agent When it comes to health care, Seguros Costa Blanca is on a mission to bring reasonably priced private services to the English-speaking expat communities throughout the Murcia region and province of Alicante. Providing a flexible service, Eduardo at..

Pound Edges Higher as UK Covid-19 Vaccine Rollout Intensifies TORFX weekly exchange rate news Read our round up of the latest exchange rate news and plan your currency transfers for the right time. Information provided by TorFX – 5 year winner of the Moneyfacts Consumer ‘International Money Transfer Provider of the Year&rsquo..

Why you should plan your funeral todayAccording to a study by funeral plan provider Avalon, one in ten people wouldn’t feel comfortable talking to a loved one about their funeral wishes. In truth, it’s probably the last thing you want to think about when you’re enjoying..

Find peace of mind with a cost-effective and practical Avalon Funeral plansIn 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 about.. 01/01/2021

What’s the difference between life insurance and a funeral plan? AvalonWhen it comes to paying for your funeral in Spain, what’s the right choice for you and your family? Have you thought about what your loved ones would do if you passed away in Spain? It’s not a nice thing to think about, but if you’re..

December 31st Tax Deadline For Second Home Owners In SpainIf you are non-resident in Spain but own a second home here which you do not rent out, you are still liable to pay tax on your property. The deadline for these Modelo 210 submissions is now looming – as returns and payments must be completed by..

All your expat insurance needs supplied in English by Galindo & Zarco Insurance BrokersPersonal and commercial security from major insurance firms at discounted prices Galindo & Zarco Insurance Brokers is a well-established company catering for all your insurance needs in the Costa Cálida, having been in business for well over 20..

Basic information for British nationals considering moving to Spain in 2021 There is help available from official sources to help you make your move The UK Government basic information webpage will answer the majority of questions and direct you to the correct information produced by the Spanish Government It's.. 16/12/2020

The Spanish tax deadline approaches for owners of second homes In Spain. Spanish Taxes OnlineDo you own a second home in Spain? The deadline for Modelo 210 tax submissions is looming on December 31 st – and a new service, Spanish Taxes Online, can save you hundreds in fees. As well as loads of time and all the hassle of having to..

Save time and money by paying your Modelo 210 property tax with Spanish Taxes OnlineThe December 31st tax deadline is looming but Spanish Taxes Online are on hand to help. Anyone who owns a property in Spain which they do not rent out is liable to pay the Modelo 210 property tax if they are not resident in Spain for tax purposes and the..

Spend less money on electricity in Spain with Energy NordicIt’s simple; we can save you money on your electric bill in Spain. We all like to save money and cut the cost of running a home or second property here in Spain, and we can save money for 9 out of 10 people who contact us for a quote. We have various..

No rental income for summer 2020 & want to sell? Following the UK confirming that those returning from overseas travel will have to Self-isolate for 14 days the Spanish Government has followed suit imposing the same restrictions. This year’s Summer Holiday season is cancelled. If you.. 18/08/2020

Foreign Mortgage? Can they chase me in the UK? Are my assets under threat? In the past few weeks we have seen a large increase in enquiries especially from people who have mortgages particularly in Cyprus and Spain. Many are concerned with some loan sales now being undertaken by Banks across Europe, as the Banks at last look to clear..

Move in this summer to brand new beachfront homes in Puerto de Mazarrón Top quality Costa Cálida properties just a stone’s throw from the Mediterranean Property promoters KDP, with over 25 years’ experience designing and building top quality homes in the Region of Murcia, offer key-ready properties.. 06/07/2020

Make savings when moving money to your Spanish bank accountAn essential part of many expats’ lives is moving your savings, wages, or pension from your country of origin to your Spanish bank account. If you use your bank to manage your currency transfers you could be losing out due to transfer fees.. 01/05/2020

The virus: a time to invest wisely for the long term and to take professional advice How long will the coronavirus last, what impact will it have on the global economy and have we hit the bottom yet? A message from Keith Littlewood at Blacktower Financial Management As I write from my desk at home, it strikes me how quickly we.. 30/03/2020

Help for local businesses: what is an ERTE ERTEs are likely to affect millions of employees in Spain during a prolonged coronavirus crisis As it becomes ever clearer that the coronavirus crisis in Spain will create significant issues for businesses long-term, many companies are taking advantage..

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. Business as usual - the office is Closed temporarily but taking calls via mobilenumber and WhatsApp or email..

ERTE temporary redundancy schemes and how they affect businesses and the workforce ERTEs are likely to affect millions of employees in Spain during a prolonged coronavirus crisis As it becomes ever clearer that the coronavirus crisis in Spain and the strict measures imposed by the national government to protect the population are.. 17/03/2020

How to make a Will in SpainIf you have assets in Spain it is essential to make a Will In our own household the impending departure of the UK from the EU has prompted a full revision of all documentation relating to our own residence in Spain, and a general process to "tidy.. 25/02/2020

Why some Spanish bank accounts are being blockedAccounts are not being blocked because of anything to do with Brexit; account holders must re-affirm their identity every 2 years regardless of nationality Recently some readers have been expressing concerns over their Spanish bank accounts being.. 04/02/2020

MRM Virtual Associate helping businesses operate efficiently in the Region of Murcia Outsource admin tasks to a trilingual associate and free up time to manage your business Michelle at MRM Virtual Associate has worked for over 20 years in office administration and now, backed by an exceptional team, is able to bring her experience as..

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

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

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..

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

Understanding the Funeral Process in Spain will help to avoid stress at a difficult time with AvalonIn 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 planIn 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 about..

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..

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

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

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

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