Is your family protected if you die? Six common misconceptions.

If you die and leave your family, you can’t stop the heartache, but you can make sure that they do not have financial worries, that they can stay in their home and your children can continue their education. Protecting your family in this way is one of the kindest things you can ever do for them.

There are various reasons why people don’t take out life cover so let’s address those:

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Will you outlive your money?

For most of us living longer is one of the benefits of modern life but has it occurred to you that this can also be a problem?

This means is that you may last longer than your savings. As it becomes a reality for many people, this is something we really need to talk about, especially as a recent report claims that old age starts at age 74.

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UK Pensions Freedom – or is it?

On 6th April of this year some significant changes in the world of UK pensions came into force. This will affect most UK pension holders so it’s important to be aware of how this could impact on your pension and retirement planning. This is a complicated topic, and admittedly not the most exciting, so this article aims to give an overview of the main points. 

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UK Budget 2015. The points that affect expats

The Chancellor of the Exchequer announced the latest budget on 18th March. Few of the announcements will directly affect people who are not currently resident in the UK so in this post I would just like to comment on some of the changes and announcements that will affect expats. This time round there were few surprises…

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UK Capital Gains Tax changes for non-resident UK Property owners

This is a topic I have mentioned in several articles on this website but the final guidance has now been issued by Her Majesty’s Revenue & Customs (HMRC) so we have clarity as to how tax will be applied on the sale of UK properties owned by individuals who are not resident in the UK.

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Panicking about the future? Perhaps you should be…

This is an inflammatory title but sometimes it’s important to get people’s attention and a reaction. The plain fact is that the vast majority of people are woefully underprepared for retirement and are simply not saving enough for their later years. And if you don’t deal with the matter, who will?

money-timebombOver the past year or so both HSBC International and Scottish Widows, part of the UK based Lloyds Banking Group, have released the results of surveys that show the parlous state of people’s retirement planning. The surveys make worrying reading and at the risk of sounding dramatic the situation is now a time bomb.

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A survey – medical insurance for dependents & domestic staff.

I have previously written about the new requirements from Dubai Health Authority for all residents in Dubai to have private medical insurance but one area that appear to have been overlooked by many is the requirements for sponsors to have insured both their dependents and domestic staff by no later than June 2016.

Any medical insurance plans that are set up from 1st January of this year must also comply with specific guidelines and so it is important to get it right.

I am therefore looking into setting up a straightforward scheme that will be fully compliant with the rules but is also simple to set up and run as well as being competitively priced.

In order to do so I need to establish the need for this type of cover and so would be grateful if you could spare no more than two minutes to complete this eight question survey.

SURVEY – please complete

Your assistance is very much appreciated and will help me to provide the best service and options for all parties.

With thanks


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