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Home > Legal & Financial (page 4)

Legal & Financial

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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Superyachts & Labour Conditions

Maritime navigation is one of the most dangerous jobs in the world and a superyacht is not different. The lack of national regulations and the use of so-called flags of convenience causes that some employees work quite often too many hours and under not in acceptable conditions corresponding to the …

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It’s All In The Detail

The government has clarified its position on a number of outstanding issues for pension savers – but not everyone will be pleased. The recent Queen’s Speech contained little on pensions, yet the government has since been obliged to make a number of announcements on pensions policy. Firstly, it has moved …

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Spanish Tax Amnesty declared illegal

The Spanish Constitutional Court has declared last 8th of June, the tax evasion amnesty for undeclared assets or those hidden in tax havens adopted in 2012 by the Spanish Government, as against the highest Law, the Spanish Constitution; it has been declared unconstitutional. According to that procedure of regularisation tax …

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The Perfect Storm

The anticipated pressure on pension systems from ageing populations is the financial equivalent of climate change, says the World Economic Forum.   As the dust settles from the general election, amidst many remaining uncertainties one thing is clear: the plan to cut pensioner benefits proved a turning point in Tory …

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An American (not) in Paris

Donald Trump did a stupid thing last month…yes really. Actually, he did quite a few stupid things, but the one that stands out was his withdrawal from the Paris climate agreement. The agreement signed in April last year was an historic moment. A rare moment where literally the whole world …

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