Blog

  • Putting the glamour back into air travel!

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    Once upon a time, commercial air travel was one of the ultimate luxuries reserved for the rich, famous and powerful, primarily because of the expense involved in doing so. The world where that was true now feels like one from a very long time ago, with ever-advancing technology making flying cheaper and easier and the rise of budget airlines making...
  • How much should you really be saving for retirement?

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    Retirement should be the time in your life where you’re able to relax and enjoy the fruits of your labour throughout your working life. However, simply paying into your savings or a pension for when you retire might not allow you to do this if you’re not putting enough away. But what does “enough” look like? Here are a few questions to consider to...
  • 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...