Blog

  • Employee Benefit update Netherlands

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    30% Ruling The Dutch Government has announced that the ruling will be adjusted. The 30% ruling used to be valid for a period of 8 years, however the Dutch government has decided to decrease the maximum years that the ruling can apply to 5 years. The new time limit will apply to new and existing beneficiaries of the tax break. This means that those...
  • A German View on Germany in the World

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    I was fortunate to have been raised and educated in Germany, a country which throughout my life time has grown economically and brought prosperity to its people. My life has been lived in a peaceful Germany and a Germany that now works for peace and prosperity for all nations so let me share my view on my homeland, its successes and challenges. The...
  • Alexander Beard - Service to British Expats

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    The Alexander Beard Group launched its service to British Expats around the world in 1995. 2018 has seen a rising demand for our Expat financial planning services as individuals choose to work and retire across the globe. We have expanded our Expat team as the demand has arisen throughout the year. Examples of the types of work we have undertaken a...
  • What triggers the money purchase annual allowance (MPAA)?

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    Introduced on 6 April 2015, the MPAA is an allowance for those making pension contributions whilst also accessing pension benefits flexibly. It’s purpose is to restrict the extent to which pension savers can benefit from a second round of tax relief – i.e. by limiting the amount they can withdraw and then re-invest in the pension scheme. The allowa...
  • Flexible ISA rules

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    A flexible ISA allows the saver to withdraw cash and replace it during the same tax year without reducing the current year’s allowance. They can also withdraw cash from previous tax years. Withdrawals can be made from a cash ISA or any cash held in a stocks and shares or Innovative Finance ISA (including from the sale of investments) provided the I...
  • Protecting Your Income Abroad

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    On my recent visits to schools I have unfortunately met with a couple of international teachers who are dealing with life changing illnesses. It is clearly stressful enough being away from their homes and extended families but they both also found themselves in a situation whereby their employers had completely stopped paying their salaries. Quite...
  • Aretha Franklin: The ‘Queen of Soul’ who died without making a will

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    On 16 August, Aretha Franklin passed away, aged 76, in hospice care after battling pancreatic cancer. She didn’t leave a will. This leaves her four sons and other family members to work out her total assets and divide them amongst themselves. After the mourning process, the practical concerns around a death take hold. When someone dies without a wi...
  • 5 steps to make sure you’re not losing out by shunning annuity guarantees

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    Since increased pensions freedoms were established in April 2015, the FCA says that £3 billion worth of annuities have been rejected by over 55s. Now, nearly three in five over 55s are refusing the guaranteed annuity rate (GAR) offered to them by their pension provider. Of these, nine out of ten are taking the cash instead. A GAR means that if you...
  • The top 4 places to buy a home abroad in 2018

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    It’s not difficult to see why Briton’s find buying a property abroad so attractive. High house prices, a temperamental climate and long working hours in the UK can make buying a property abroad seem like a highly desirable option. Whether for a holiday property or somewhere to live long term, here are our top places to buy a home abroad in 2018. Sp...
  • Kids off to Uni? Congratulations – but have you been saving enough?

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    The Institute of Fiscal Studies suggests that the average total debt incurred by today’s university students over the duration of their studies will amount to £51,000. This figure comes as those in higher education saw the interest rate on student loans rise to 6.3% in September. Total student debt in the UK has now risen to £105 billion as of Marc...