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Search: Posts Made By: njf
Showing results 1 to 25 of 48
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Forum: Central, South America & Mexico
Oct 26th 2014, 7:44 am
Replies: 25
Views: 9,489
Posted By njf

Re: British expats in Panama

Just thought I'd say hi. My wife and I are now giving serious consideration to moving to Panama, probably Boquete becuase it seems to have the best climate in Panama. My wife is from South America so...
Forum: Spain
Oct 24th 2014, 7:20 am
Replies: 7
Views: 1,065
Posted By njf

Re: Practical benefits for expat pensioners in Andalucia?

Thanks, Rosemary. Haven't used any trains in Spain yet. Our nearest station is in Málaga so will look the next time we are there.
Forum: Spain
Oct 24th 2014, 7:12 am
Replies: 7
Views: 1,065
Posted By njf

Re: Practical benefits for expat pensioners in Andalucia?

Muchas gracias. The Andalucía discount card looks interesting. Seems to be free, too. For anyone else who has the same question as me, this is the link for it Agencia de Servicios Sociales y...
Forum: Spain
Oct 24th 2014, 7:05 am
Replies: 23
Views: 3,389
Posted By njf

Re: Non resident tax

I imagine they check the cadastral value each year (which you can find on your IBI invoice which you get each year from the ayuntamiento) and then they can fill in the form. You should be able to do...
Forum: Spain
Oct 24th 2014, 5:25 am
Replies: 7
Views: 1,065
Posted By njf

Practical benefits for expat pensioners in Andalucia?

My wife and I are now resident in Marbella. I will be turning 65 in a couple of months and I am trying to find out whether there are any benefits that will become available. I don't mean pensions or...
Forum: Spain
Aug 24th 2014, 5:56 pm
Replies: 7
Views: 1,280
Posted By njf

Re: Relocating from England UK to Spain

I will leave the many experts to give you more detail but the nearest town to Gibraltar is La Linea.

The reason I am replying to your question is that, before you give up on the idea of renting in...
Forum: Spain
Aug 22nd 2014, 4:36 pm
Replies: 6
Views: 1,634
Posted By njf

Re: Penalty from Endesa

You can't 'insist' on anything with Endesa. And, if you have a bank account in Spain, they can just take the money whether or not you have set up a direct debit.
Forum: Spain
Aug 21st 2014, 6:51 pm
Replies: 2
Views: 761
Posted By njf

Re: Taxation of legal compensation in Spain

Thanks for your, as always, very helpful answer.
Forum: Spain
Aug 21st 2014, 6:50 pm
Replies: 13
Views: 4,136
Posted By njf

Re: Annuity taxation in Spain

Thanks, again.
Forum: Spain
Aug 20th 2014, 10:17 pm
Replies: 2
Views: 761
Posted By njf

Taxation of legal compensation in Spain

I hope our tax expert may be able to help me on a question.

I am currently suing a former medical practitioner in the UK for negligence. If I agree a compensation deal with his insurers, is that...
Forum: Spain
Aug 20th 2014, 10:06 pm
Replies: 13
Views: 4,136
Posted By njf

Re: Annuity taxation in Spain

Sorry, one more question, please. I currently have a SIPP. I will be 66 at the very end of December 2015, when I will be resident. I have been advised that, if I still have the SIPP at the end of...
Forum: Spain
Aug 20th 2014, 9:57 pm
Replies: 13
Views: 4,136
Posted By njf

Re: Annuity taxation in Spain

I've already taken the lump sum because I know how bad it would be to do so after I become resident. I'll have to give more thought to when I buy the annuity. Thanks for your helpful comments.

norm
Forum: Spain
Aug 20th 2014, 9:44 pm
Replies: 13
Views: 4,136
Posted By njf

Re: Annuity taxation in Spain

Thanks for the very fast reply. Yes, it is a bit complicated. I am not yet Spanish tax resident although I will be next year. I am planning on buying the annuity this year while I am non-resident so...
Forum: Spain
Aug 20th 2014, 9:20 pm
Replies: 13
Views: 4,136
Posted By njf

Re: Annuity taxation in Spain

I have been trying to find out whether that means it's the date you buy the annuity or the date you receive the first payment. For various reasons, I am looking to buy the annuity when I am 65 but...
Forum: Spain
May 29th 2014, 6:35 am
Replies: 7
Views: 2,346
Posted By njf

Re: Selling a Flat in Spain, Usufructo, taxes and money

Sorry, can't help with most of it but the 3% you mention is withholding tax that the BUYER has to withhold from the payment (because the seller is not fiscally resident in Spain) and pay to the...
Forum: Spain
May 28th 2014, 10:00 am
Replies: 4
Views: 1,175
Posted By njf

Re: ADSL in Coma-Ruga / El Vendrell

You may want to consider Jazztel and, if you do, there is an English speaking online broker you could contact. The one advantage they have is that they have their own equipment in many exchanges so...
Forum: Spain
Oct 5th 2013, 2:59 pm
Replies: 30
Views: 3,037
Posted By njf

Re: Failure to provide FULL facts & procedures.

I don't think that's correct. As far as I am aware, Jazztel have their own lines to many exchanges and connect these to your line from the exchange. Just to say I am not pushing or recommending...
Forum: Spain
Mar 27th 2013, 6:15 am
Replies: 35
Views: 3,093
Posted By njf

Re: OK, Here It Is..... THE Question

One point not to forget is the UK state pension. Can't remember whether you will still be in the present regime or the new one but under the current system, if your state pension will be important,...
Forum: Spain
Mar 24th 2013, 9:34 am
Replies: 10
Views: 4,348
Posted By njf

Re: Self Employed In UK or Spain?

Here's (http://www.hmrc.gov.uk/taxtreaties/signed/spain-uk-protocol.pdf) a link to the new convention.
Forum: Spain
Mar 24th 2013, 9:29 am
Replies: 10
Views: 4,348
Posted By njf

Re: Self Employed In UK or Spain?

It's not quite as simple as that, particularly if you decide you are better off paying taxes on your worldwide income in the UK. If you are also resident in the UK for more than 90 days and still...
Forum: Spain
Mar 21st 2013, 6:25 am
Replies: 1,637
Views: 159,738
Posted By njf

Re: Declaring worldwide assets to Hacienda

As in my earlier post, the official rate is £0.81610 to 1€, which converts to 1.22534 €/£. If they may be told by a UK bank exactly how much you had at 31 December, it would be better to use the...
Forum: Spain
Mar 20th 2013, 2:42 pm
Replies: 411
Views: 74,291
Posted By njf

Re: Proof of income for residency

Our experience in Marbella last month was pretty smooth. As a 63 year old recent retiree, for proof of income, I produced a certificate from my Spanish bank (for which I paid about 13€) confirming...
Forum: Spain
Mar 13th 2013, 8:54 am
Replies: 1,637
Views: 159,738
Posted By njf

Re: Declaring worldwide assets to Hacienda

A couple of people have mentioned the exchange rate to be used as at 31 December. The official rate can be found at the Bank of Spain (http://www.boe.es/boe/dias/2013/01/03/pdfs/BOE-A-2013-104.pdf)...
Forum: Spain
Mar 13th 2013, 8:04 am
Replies: 1,637
Views: 159,738
Posted By njf

Re: Declaring worldwide assets to Hacienda

I'm still not clear how you report a portfolio bond anyway (compliant or non-compliant). Do you just report the existence of the bond or do you have to report its constituent shares, which, of...
Forum: Spain
Nov 24th 2012, 3:21 pm
Replies: 65
Views: 15,484
Posted By njf

Re: Freeview

Thanks again, The Guy. I finally have it working and I hope it stays working. I changed a couple of settings for OpenVPN on my router by luck and Sky On Demand suddenly showed 'OK'.

I am thinking...
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