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Search: Posts Made By: erisaman
Showing results 1 to 25 of 68
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Forum: Spain
Dec 13th 2010, 9:12 am
Replies: 6
Views: 2,456
Posted By erisaman

Re: Lemon Law?

Apologies for delay in coming back with a response - a 24 hour 'bug' hit me and I'm just shaking it off.

The 'Wikipedia' definition sums up the situation perfectly, I asked the question because I...
Forum: Spain
Dec 11th 2010, 10:27 pm
Replies: 6
Views: 2,456
Posted By erisaman

Lemon Law?

I never gave a thought to there being a 'Lemon Law' in Spain as there is in various States in the USA - but I've been told today that there is, and that some lawyers 'specialise' in administering the...
Forum: Spain
Oct 17th 2010, 9:56 pm
Replies: 2
Views: 634
Posted By erisaman

Re: Banking hours Torremolinos.

Okay thanks for prompt response. Barring French A/T delays, I should make it by 2.00pm no problem :D .

Thanks again.
Forum: Spain
Oct 17th 2010, 9:46 pm
Replies: 2
Views: 634
Posted By erisaman

Banking hours Torremolinos.

I've checked out the Free Beer info and have discovered that banking hours are 9.00 am to 2.00 pm - I'm just checking to see if these times are seasonal? I have a feeling that my bank, BBVA in...
Forum: Spain
Jul 20th 2010, 7:02 pm
Replies: 16
Views: 5,048
Posted By erisaman

Re: Net access to bank account.

Thank you one and all, you have confirmed what I had thought i.e. it will have to wait until my return to Spain in September.

I think Sanrod has touched upon what I had thought was a possibility -...
Forum: Spain
Jul 20th 2010, 9:16 am
Replies: 16
Views: 5,048
Posted By erisaman

Net access to bank account.

I've done a brief 'search' of past threads but have found nothing so far.

I have a non-residents current account with BBVA in Torremolinos. I have a cheque book and a Bank Card (with PIN) for...
Forum: Spain
Jul 1st 2010, 10:23 pm
Replies: 38
Views: 3,686
Posted By erisaman

Re: Sinking Ship?

Shortly after I purchased my first apartment in 1989. I realised that many Brits were leaving Spain becuase the cost of living had shot up. They weren't used to it.

Time moved on and the migration...
Forum: Spain
Dec 17th 2009, 12:53 pm
Replies: 73
Views: 6,713
Posted By erisaman

Re: IHT, Usufruct, Limited Companies & wills

Is it my imagination - or has this thread come to a dead halt, sorry, will re-phrase that - has it come to a sudden stop?

Are we all stumped as to ways to minimise future tax bills?
Forum: Spain
Dec 17th 2009, 12:47 pm
Replies: 49
Views: 4,358
Posted By erisaman

Re: It's cold outside.How are you coping?

I think that last winter was said to be the coldest for 50 years (which suggests it was even colder 51 years ago!) so I've looked at ways to warm-up our relatively small apartment (near Benlamdena)....
Forum: Spain
Dec 15th 2009, 3:25 pm
Replies: 73
Views: 6,713
Posted By erisaman

Re: IHT, Usufruct, Limited Companies & wills

Approximately 20 years ago, when doing some freelance video work on the Sol, I was approached by a UK based agent who was selling 'Five owner's Club' apartments, involving a UK based Ltd Co, that...
Forum: Spain
Dec 14th 2009, 10:26 am
Replies: 73
Views: 6,713
Posted By erisaman

Re: IHT, Usufruct, Limited Companies & wills

That was the advice given to me by my Fiscal Representative when I went specifically to 're-structure' the ownership of one of my properties. He felt that to do so now, would incur fairly heavy...
Forum: Spain
Dec 14th 2009, 7:16 am
Replies: 73
Views: 6,713
Posted By erisaman

Re: IHT, Usufruct, Limited Companies & wills

Perhaps I can race Fred James here by quoting his original post to my queries many moons ago - the calculation is simple yet fascinating -

"Calculation of the value of the usufruct is actually...
Forum: Spain
Dec 13th 2009, 11:07 pm
Replies: 73
Views: 6,713
Posted By erisaman

Re: IHT, Usufruct, Limited Companies & wills

There are more knowledgeable folk on here who are better equipped to give you the full answer to that, but as I see it, the value of the property being passed as a gift or by sale, is diminished...
Forum: Spain
Dec 13th 2009, 3:34 pm
Replies: 73
Views: 6,713
Posted By erisaman

Re: IHT, Usufruct, Limited Companies & wills

I have gone through these very same mental hoops when I discovered my familiy's potential 'exposure' to huge tax bills after my days. I had lots of advice, much of it from our very own Fred James,...
Forum: Spain
Dec 11th 2009, 1:52 pm
Replies: 6
Views: 769
Posted By erisaman

Re: New rates of CGT in Jan 2010?

Thank you both again - I checked out the AETA web site as suggested by Hillbilly and found the co-efficient applied to my property (exactly as the first agent had applied) and the comment -
...
Forum: Spain
Dec 11th 2009, 7:50 am
Replies: 6
Views: 769
Posted By erisaman

Re: New rates of CGT in Jan 2010?

Thank you both - I am confused about this as one estate agent calculated my tax liability on the basis of the 11.11% allowance, whereas this other says it does not apply. I don't expect tax advice...
Forum: Spain
Dec 11th 2009, 3:39 am
Replies: 6
Views: 769
Posted By erisaman

New rates of CGT in Jan 2010?

Apologies for resurrecting the CGT question again (I've done a search but to no avail) and shooting a double-barreled query.

Firstly, I've engaged an Estate Agent to sell my apartment in...
Forum: Spain
Sep 22nd 2009, 6:14 pm
Replies: 15
Views: 1,178
Posted By erisaman

Re: Inheritance tax

THAT was the advice given by my legal advisor but not acceptable to me. In this day and age, with the close relationship between Tax Authorities, can we really expect to get away with such...
Forum: Spain
Sep 22nd 2009, 3:46 pm
Replies: 15
Views: 1,178
Posted By erisaman

Re: Inheritance tax

It is so easy to become complacent when looking at IHT or rather, the tax known in Spain as ISD. Yes, some folk are able to become resident and thus gain certain benefits, others are 'holiday home'...
Forum: Spain
Sep 15th 2009, 9:34 pm
Replies: 13
Views: 1,620
Posted By erisaman

Re: Wanted - a good stripper.

Thanks for that - I'm wondering about using one of those portable/hand steam-cleaners for clearing the pores (of the bricks - not my facial skin) as the softened paint may then be forced out. Just a...
Forum: Spain
Sep 14th 2009, 5:37 am
Replies: 13
Views: 1,620
Posted By erisaman

Re: Wanted - a good stripper.

Did you ask them about stripping my brick arch? :)
Forum: Spain
Sep 12th 2009, 2:41 pm
Replies: 13
Views: 1,620
Posted By erisaman

Re: Wanted - a good stripper.

Umm ...... I'm hoping to leave the bricks and mortar intact and in situ, but thanks for the thought :huh: .
Forum: Spain
Sep 12th 2009, 9:59 am
Replies: 13
Views: 1,620
Posted By erisaman

Re: Wanted - a good stripper.

Thank you both, some very useful help and information there, much appreciated.
Forum: Spain
Sep 11th 2009, 10:03 pm
Replies: 13
Views: 1,620
Posted By erisaman

Wanted - a good stripper.

No, no, calm down - it's a good quality, effective paint stripper I need, one which is available in Spain (Costa del Sol) and one which will strip paint from a brick and mortar arch over a breakfast...
Forum: Spain
Aug 27th 2009, 4:33 pm
Replies: 27
Views: 1,953
Posted By erisaman

Re: A Taxing problem once again.

Thanks again - these calculations are turning out to be far more 'taxing' than I had thought (ouch, that pun was so obvious) but as you say, they do pull the final payments down substantially.

I'm...
Showing results 1 to 25 of 68
 
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