17/08/2018
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Home > Legal & Financial (page 3)

Legal & Financial

The Obligatory Passenger’s Insurance (SOVI)

One of the requirements for applying a charter license and the correspondent authorisation of the maritime authorities (the so called “despacho” at the “Capitanía Marítima”) for a non Spanish flag commercially coded vessel is the presentation of a certificate from an insurance company stating that the vessel is covered for …

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Magic Beans?

I have been meaning to write about Bitcoin for a few years now, and have been making a valiant attempt to understand it before I do so. After many hours of research I’ve watched everything, and read everything and must confess that I have come up a little short. One …

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Freedoms Under The Microscope

The Work and Pensions Committee has launched an inquiry into whether pension reforms are achieving their objectives. Pension freedoms have given millions of people choice over how they use their defined contribution pension, but concern remains over whether changes are needed to make the reforms more effective. A new investigation …

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The End Of The “Plusvalía Municipal?”

If you have sold any property in Spain you know you have to pay the so called Plusvalía Municipal or the Impuesto sobre el Incremento de Valor de los Terrenos de Naturaleza Urbana (that we could translate as urban land appreciation tax). What is it? And is it still in …

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Man V. Machine

Despite their digital knowhow, more than half of young people agree that, in areas of financial planning, “you just need an expert”.   Millennials – those born between roughly 1980 and 2000 1 – have regularly been the subject of broad generalisations. They are often characterised in the media as …

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Rollover Relief Also For Non Residents

When a Spanish tax resident sells his/her main residence and the proceeds of the sale are reinvested in another property to become also his/her main residence the capital gain – taxed at a rate of 19% for both resident and non resident taxpayers – is tax deferred or exempted: so, …

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Independently Minded

By Phill McCoffers As this issue of The Islander closed for press, we were less than 24 hours from a speech by Catalan president Carles Puigdemont in which he may, or may not have declared independance from Spain for his region and its 7.5 million citizens. As you read this, …

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Thinking Ahead – Meet Your Future Self

Experts say one of the biggest barriers to saving for our retirement is the inability to picture ourselves in the future.   Several years ago, a study published in the Journal of Marketing Research explored the reasons why Americans were failing to save enough for retirement. The study concluded that, …

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