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Member You - Spanish Financial Services & Mortgages - Recent Developments That Will Effect Your Financial Lives!
How to earn money from home? Everyone seems to be asking this question. As our lines of communication become ever more abundant the world seems to grow smaller. The Internet has become the mainstay for commerce, information, and entertainment. Everyday I get on the computer and see advertisements for the latest internet riches formula or new paid survey scheme, or Data Entry scam. I know you've seen them too. You're reading this article trying to figure out how to earn money from home. I understand. With the uncertainty of the employment marketplace and the high demand for family it makes sense to search out ways to make money from home. It's not easy to weed through the all the ads and "opportunities" looking for legitimate offers and programs. I know, I've been there and I've been scammed. So
The 3.5% average rate is an increase of nearly
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1) EU Savings & Tax Directive
In August of this year the EU implemented a little advertised but significant piece of legislation to reduce some of the tax avoidance that has existed for years via numerous international or ‘offshore’ banking centres.
The actions they have taken allow for a freer flow of information between EU states and some offshore centres primarily for the benefit of each member nations tax authorities. In other words, the insurance and investments providers are obliged to not only provide tax-related information but, in some cases, will automatically withhold a percentage of interest to meet the likely tax payable.
The action has the affect of ‘watering down’ some of the benefits previously attached with using offshore arrangements, but they have not fully closed all the windows of use. Indeed, some centres will continue status quo and, if not excluded from the directive, will simply ignore the pressure being applied.
So, for the time being at least, there are some very good reasons to continue to explore the tax breaks on investments offshore.
2) The European Central Bank (ECB) increases its Base Rate by the first time in 4 years
Concern for rising inflation in its EU member states has forced the ECB to take a defensive stance by increasing its base rate by 0.25%. Not a lot and not as much as the markets had expected, but enough to make the cost of borrowing that much more expensive.
Most mortgages in Spain have an interest rate that is priced against an index known as the ‘Euribor’ (European Interbank Offer Rate) which is how banks calculate the interest charged to one another. Because of the long term nature of residential mortgages, the banks use the annual rate when the price a mortgage loan for you. It is the Euribor annual rate that has seen the largest increase of late, again because the money markets expected a half point rise in the ECB’s base rate rather than just a quarter. That has translated to an average mortgage costing 3.5% rather than just 3% just a few weeks ago. Of course, it could be that the quarter point may be enough and the markets may adjust the index in a downwards direction. But it is reasonable to assume that the new price is here to stay for a while.
The 3.5% average rate is an increase of nearly
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The actions they have taken allow for a freer flow of information between EU states and some offshore centres primarily for the benefit of each member nations tax authorities. In other words, the insurance and investments providers are obliged to not only provide tax-related information but, in some cases, will automatically withhold a percentage of interest to meet the likely tax payable.
The action has the affect of ‘watering down’ some of the benefits previously attached with using offshore arrangements, but they have not fully closed all the windows of use. Indeed, some centres will continue status quo and, if not excluded from the directive, will simply ignore the pressure being applied.
So, for the time being at least, there are some very good reasons to continue to explore the tax breaks on investments offshore.
2) The European Central Bank (ECB) increases its Base Rate by the first time in 4 years
Concern for rising inflation in its EU member states has forced the ECB to take a defensive stance by increasing its base rate by 0.25%. Not a lot and not as much as the markets had expected, but enough to make the cost of borrowing that much more expensive.
Most mortgages in Spain have an interest rate that is priced against an index known as the ‘Euribor’ (European Interbank Offer Rate) which is how banks calculate the interest charged to one another. Because of the long term nature of residential mortgages, the banks use the annual rate when the price a mortgage loan for you. It is the Euribor annual rate that has seen the largest increase of late, again because the money markets expected a half point rise in the ECB’s base rate rather than just a quarter. That has translated to an average mortgage costing 3.5% rather than just 3% just a few weeks ago. Of course, it could be that the quarter point may be enough and the markets may adjust the index in a downwards direction. But it is reasonable to assume that the new price is here to stay for a while.
The 3.5% average rate is an increase of nearly
Ever wanted to find out which half of your advertising budget is working for your business? The trouble with traditional TV advertising, radio, mail shots etc is that it’s very difficult to measure return on investment. Who knows which add is bringing in the sales and which one is loosing you shed loads of money? Increasingly businesses are using internet search marketing techniques to promote their products and services. Search marketing is a set of marketing methods used to increase the visibility of a website in search engines. Pay per click advertising accounted for 83 percent of the $5.75 billion invested in search marketing in the US in 2005. Pay per click advertisers sponsor specific search terms to display their ad paying only when a visitor clicks through to their website. Google’s Adwords service has t
The action has the affect of ‘watering down’ some of the benefits previously attached with using offshore arrangements, but they have not fully closed all the windows of use. Indeed, some centres will continue status quo and, if not excluded from the directive, will simply ignore the pressure being applied.
So, for the time being at least, there are some very good reasons to continue to explore the tax breaks on investments offshore.
2) The European Central Bank (ECB) increases its Base Rate by the first time in 4 years
Concern for rising inflation in its EU member states has forced the ECB to take a defensive stance by increasing its base rate by 0.25%. Not a lot and not as much as the markets had expected, but enough to make the cost of borrowing that much more expensive.
Most mortgages in Spain have an interest rate that is priced against an index known as the ‘Euribor’ (European Interbank Offer Rate) which is how banks calculate the interest charged to one another. Because of the long term nature of residential mortgages, the banks use the annual rate when the price a mortgage loan for you. It is the Euribor annual rate that has seen the largest increase of late, again because the money markets expected a half point rise in the ECB’s base rate rather than just a quarter. That has translated to an average mortgage costing 3.5% rather than just 3% just a few weeks ago. Of course, it could be that the quarter point may be enough and the markets may adjust the index in a downwards direction. But it is reasonable to assume that the new price is here to stay for a while.
The 3.5% average rate is an increase of nearly
To write emails that get opened and responded to, you must keep to these important basics:• “From” line – show clearly who you are (preferably your personal name, not your business name), or the receiver may think your email’s spam and delete it.• Subject line – the most important part of the email (like the teaser on an envelope, or a sales letter headline).To avoid the spam filters, leave out the following from your email subject lines:$, ?!words in ALL CAPSsalenewinvestmentpowerpowerfulmaximizeprofitmoneyextra incomeopportunityspecialbuyOkay, what should you include in your email subject lines?Curiosity subjec
Concern for rising inflation in its EU member states has forced the ECB to take a defensive stance by increasing its base rate by 0.25%. Not a lot and not as much as the markets had expected, but enough to make the cost of borrowing that much more expensive.
Most mortgages in Spain have an interest rate that is priced against an index known as the ‘Euribor’ (European Interbank Offer Rate) which is how banks calculate the interest charged to one another. Because of the long term nature of residential mortgages, the banks use the annual rate when the price a mortgage loan for you. It is the Euribor annual rate that has seen the largest increase of late, again because the money markets expected a half point rise in the ECB’s base rate rather than just a quarter. That has translated to an average mortgage costing 3.5% rather than just 3% just a few weeks ago. Of course, it could be that the quarter point may be enough and the markets may adjust the index in a downwards direction. But it is reasonable to assume that the new price is here to stay for a while.
The 3.5% average rate is an increase of nearly
A powerful consumer market with annual spending power exceeding $350 billion, Hispanics—or should that be Latinos?—have become the largest minority group in the United States, and a marketplace well-worth looking into and with plenty to see--once you get the labels straight.Is it “Hispanics” or “Latinos”?Hispanics and Latinos have hotly debated that question for years, and apparently, picking one answer over the other means drawing political, social, and generational lines in the sand.I’ll explain later, but for now let’s get some numbers on the table.Hispanic Database – The Numbers Tell the StoryIt made headlines! Hispanics are now the largest minority group in the U.S., outnumbering blacks by nearly 1 million (37 million v. 36.2 million).That may h
The 3.5% average rate is an increase of nearly 17% in real terms so it is not insignificant! However, we have to put things into perspective here. A mortgage of Euros 100,000 will now cost 291 a month rather than 250 if arranged on an ‘Interest Only’ basis. Still an awful lot less than the cost of borrowing in the UK!
3) Using your property for pension planning via a SIPP
With effect from next April, the UK Revenue will be offering a tax break by allowing various types of assets, in particular property, to be placed under a tax umbrella known as a ‘Small Self Invested Pension’ or SSIP for short.
Whilst this is not likely to used by most people, even those owning their home, it will be of interest to property portfolio owners and even those folk owning a holiday home overseas. That applies to a lot of people with property in Spain.
Whilst the final rules have yet to be announced by the Inland Revenue, it is understood that the fundamental benefit will be reduce if not eliminate capital gains tax and inheritance tax by transferring such assets into a pension. In the long run, of course, the savings could be significant so this has to be an option to consider when buying property, either in the UK or elsewhere such as Spain.
4) UK pensions – The Turner Report
I know! You are probably fed up with hearing and reading about this. But I am not a politician so I can say what I really think without worrying about the consequence!
I have been in finance a long time and that means around the issue of pension planning and the potential ‘time bomb’ that it is whenever it is raised and brought into the public eye.
There are a few basic facts that cannot be ignored, even politicians try to.
1) We are all living longer! That means that pensions are payable for a longer period and that extra money has to come from somewhere. The UK’s system of ‘Pay as you go’ (tax collected is paid out immediately as a pension) cannot continue to work as the ratio of people paying tax will fall against those in pension payment. Fact!
2) The birth rate is in decline! This has the same effect as 1) above i.e. that, in time, there will be fewer people to pay tax. That being so, can future governments persuade the then tax payers to continue to pay
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