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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, specialists in mortgage issues and conveyancing Home visits and 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 in San Javier, where it provides an extensive range of legal, tax and..

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..

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..

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..

Get Your Off-Plan Property Purchase Deposit Back! Did you place a large deposit on an ¨Off-Plan Property¨ in Spain and believe you have lost your money due to either the developer going bankrupt or your development not being completed? Many purchasers were caught up in this situation..

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 time 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 cost of a funeral in Spain continues to rise and most Spanish families take out some kind of funeral plan to.. 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

Important changes for UK drivers hiring cars in Spain Be warned: Spanish rental companies will require temporary DVLA access codes Most UK driver’s licence holders will be aware that as of 8th June 2015 the DVLA effectively scrapped the paper licence, replacing it with a photocard version.. 11/06/2015

Liberty Seguros agent for all your House Motor and general Insurance needs in the Camposol and Murcia Region Liberty Seguros agent for household, motor and general insurance policies, Costa Cálida Harriett is a fully bilingual local Liberty Seguros agent and assists clients through every step of the insurance process, dealing with all aspects..

From January 2015 foreign national Spanish residents must validate UK driving licences EU nationals resident in Spain are obliged to “renew” their driving licences As of 1st January 2015 the law regarding Spanish driving licences for foreign residents of EU nationality has been changed, and now any foreign driver resident in Spain..

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..

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

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