Blog

  • 4 top tips on what to do in the first 30 days of your retirement

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    So, you’ve decided when you’re going to retire and you know what you’re going to do in the days leading up to your final day in work. You might even have some long term goals that you know you want to achieve during the years of retirement you have ahead of yo. But what about those first few days and weeks? The transition from being employed to bei...
  • Insurance premiums set to rise due to tax change

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    Insurance companies have warned that a recent rise in tax could mean that the average family will end up paying £283 more for their premiums every year. The Insurance Premium Tax (IPT) has now increased from 10% to 12%, meaning that the cost of home, motor, health and pet insurance is set to go up. IPT has proven to be an attractive way for chancel...
  • The U.S. Health Care System

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    The U.S. health care system is unique among advanced industrialized countries. The U.S. does not have a uniform health system, has no universal health care coverage, and only recently enacted legislation, the Affordable Health Care Act (ACA) informally known as “Obama Care” mandating healthcare coverage for almost everyone. Rather than operating a...
  • Interest Rates and Inflation – a delicate recipe

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    I like to compare investment portfolios to recipes, not because I am a good cook - I have (without any exaggeration) made people retch with my dishes - but because I imagine they work in a similar way. This is because a tiny pinch of a powerful ingredient can make a huge difference. Starting in the kitchen, a slight increase in the amount of cinnam...
  • Prince, Bob Marley, Abraham Lincoln, Martin Luther King, Pablo Picasso…. What do they all have in common?

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    They all died without making a Will. I know we’ve asked before but we’ll ask again… Have you made a Will? As an Expat, there are even more reasons to have a valid Will in place. Different countries have different rules around inheritance, property and tax. You need a Will that protects your assets as much as possible and ensures that your wishes ar...
  • Is uncertainty becoming the new norm?

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    No matter how often we might have heard soundbites such as ‘strong and stable’ and ‘Brexit means Brexit’ which are intended to reassure us, it seems that every major political event of the past twelve months has delivered an unexpected result and an uncertain future. June’s general election was no different: Theresa May began streets ahead in the p...
  • Dutch Pension plans – Changes for 2018

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    Corporate pension age The retirement age for occupational pension schemes will be increased from January 1, 2018 from 67 to 68 years. The increase on the pension age has consequences for the maximum allowed accrual rates in DC plans. These will be lowered with 4% to 6%. Maximum allowed age related premium based on 3% interest per 01-01-2018; Age  ...
  • 3 key considerations to ensure a surviving spouse is looked after

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    It’s only natural if you have a husband, wife or civil partner that you will want to do everything you can to ensure they’re looked after financially in the event of your death. But it’s not as simple as ensuring that they are named as a beneficiary in your will, as if you don’t take a number of potential complications into account, you could inadv...
  • Why retirement is worrying millennials and what steps they are taking

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    A recent study by HSBC has revealed the main financial worries of the ‘millennial’ generation, recognised as those born between 1980 and 1997. As its title suggests, the ‘Future of Retirement’ survey focuses primarily on how millennials feel about how they are preparing for life after work, but also delves into the wider issues around money and mod...
  • Falling house prices in the UK for the third month in a row

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    Recent figures have shown that house prices in the UK fell again in May this year, making it the third month in a row which has seen prices go down. Nationwide, the UK’s biggest building society which carried out the research, stated that this is the first time house prices have fallen in three consecutive months since 2009. Following the drop of 0...