Month: July 2018

Keeping you informed - about all things ex-pat

New Year, New Campaign

Golden Leaves International continues to drive forward with the launch of their new ad campaign for 2018. The ads will follow on from last year and continue to be personalised and more specific to each service the team offer. You will be able to see videos from each regional agent including new members of the GL team and a big presence online via social media along with radio adverts. The growth of this excellent campaign allows you to get to know the team and more importantly, your local advisor.

The personalised ads, along with monthly columns will be appearing in Spain’s number one English Newspaper, the Euroweekly, and you will also be able to hear the company on Bay Radio, including interviews with the GL team.
We, ourselves as Expats understand how daunting and complicated things can seem overseas especially with the language barrier and that is why we are your helping hand in making the process as easy as possible.

Golden Leaves are your one-stop shop for Pre-Paid Funeral Plans, Health, Car, Home, Travel, Pet and Marine Insurances, Wills, Inheritance Tax & Legal Services, NIE & Residencia Assistance and Foreign Exchange. One call does it all!
Please contact Emma on 966 493 082 for free advice or email info@goldenleavesinternational.com

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Any more Questions?
We’re here to help

If you would like more detailed information about all of your options, use the contact form on this page. Alternatively, phone us on the following numbers:

Call us FREE on 0800 85 44 48 (UK) 8000 98 309 (SPAIN) or +44 208 684 34 64 if calling from anywhere else outside the UK

Keeping you informed - about all things ex-pat

Foreign Residents encouraged to register on the Padron in Spain

Local town halls have launched a campaign to persuade and remind residents to register the Padron.
But, what is the Padron and why do we need to register? The Padrón is a list of all the people who live in a certain town. Empadronarse is the act of registering yourself on this list with your local town hall and it is obligatory by Spanish law to register at the Town Hall where you habitually reside, yet many British ex-pats still have not done so. However, in reality, it is simply a way for the town hall to know how many people live in their area, without entering into investigations as to a person’s official residence status or financial affairs.

Once you’ve completed the simple process, you can begin to enjoy all the advantages being on the Padrón offers, such as: Better public services, Access to benefits and social care, a reduction in taxes, discounted travel, voting rights and overall, an easier life.

Please contact Haylee for advice on 966 493 082 or email info@goldenleavesinternational.com

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Any more Questions?
We’re here to help

If you would like more detailed information about all of your options, use the contact form on this page. Alternatively, phone us on the following numbers:

Call us FREE on 0800 85 44 48 (UK) 8000 98 309 (SPAIN) or +44 208 684 34 64 if calling from anywhere else outside the UK

Keeping you informed - about all things ex-pat

Looking for a stress free expatriation to Spain

Whether would-be expats like it or not, learning the local language is essential to making your lifestyle change successful and stress-free.

Moving overseas is a big challenge to the majority of would-be expats yearning for a new life in the sun. Tackling the basics and preparing yourself for inevitable changes is the way to make your transition as stress-free as is possible. If you’re heading for Spain, learning Spanish is far easier than tackling many other languages, and will help you integrate with locals as well as making bureaucratic tasks far easier.

Outside Spain‘s major tourism and expat hubs, English isn’t widely spoken, making the Spanish language essential for expats looking to live in a rural area. The best way forward is to take a course in the language before your move, backing it up and moving forward via the internet once you’ve arrived and settled in. Most expats admit the language wasn’t the challenge they’d expected, so there’s no excuse for giving up.

Moving overseas has one thing in common, wherever you have decided to settle, forms need to be filled in and paperwork needs to be exact and endlessly copied, with Spain no different from any other expat destination as regards bureaucracy. You’ll need an NIE number to do almost anything, including buying a vehicle and renting or buying your new home.
Admittedly, Spain’s red tape leaves a lot to be desired at times and you need copies of everything and extended waiting times for important decisions. Keeping everything in hard copy as well as online is recommended and, if you’re totally confused, the local paid intermediary should be able to put your mind at rest, especially when you’re forced to attend local offices rather than simply sending the required paperwork online.

If you are wanting to obtain an NIE number or apply for Residencia, please call Haylee on 966 493 082 for a chat and further advice or email info@goldenleavesinternational.com

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Any more Questions?
We’re here to help

If you would like more detailed information about all of your options, use the contact form on this page. Alternatively, phone us on the following numbers:

Call us FREE on 0800 85 44 48 (UK) 8000 98 309 (SPAIN) or +44 208 684 34 64 if calling from anywhere else outside the UK

Keeping you informed - about all things ex-pat

Choosing the right investment for you

Choosing the right investment or pension can be one of the most important decisions a person can make during their lifetime. Getting it wrong can be disastrous and can have a long term impact on both the persons wealth and their health.

Unfortunately history tells us that if an investment sounds too good to be true it normally is, and this mixed with unscrupulous companies peddling investments that are doomed to fail leaves a lot of victims with nothing and no recourse.
Investment and pensions scams have continued to hit the headlines and this is true both in the UK and in Spain where companies see rich pickings, often taking advantage of retirees that have left the UK with funds available to invest. This may be as a result of selling their UK property in order to purchase a cheaper one here or through taking their pensions or selling investments that they didn’t feel were suitable for their new lives overseas.

It’s hard to know the good advisors from the bad, as many will splash the cash with big adverts in the newspapers or continuous adverts on local radio, promoting the next big opportunity. Then a very nice advisor will come to visit pulling out a flashy brochure with excellent past performance figures which easily beat the measly sum that the banks are presently paying.
But stop and think! What if this investment goes wrong? What if the advisor closes their offices or turns off their phone? Who and where do I go? Unfortunately many of those that have experienced this scenario soon realise that there is nowhere to go. There is no recourse, no compensation scheme, no ombudsman and no chance of seeing any of those hard earned funds again.
So how can you protect yourself from this scenario? The answer is fairly simple, check how the company that you are doing business with is regulated. With regulation comes protection and recourse should the very worse happen, the failure of the investment or company that provided the advice.

Our recommendation would be to use a UK FCA Regulated Advisor, one that appears on the FCA register, that reports directly to the FCA . If they do then they will not only have to ensure that their advice is within the strict rules that the FCA ensure they adhere to but also that they hold the correct level of Professional Indemnity Insurance and that they have the backing of the Financial Services Compensation Scheme. It really is as simple as FCA. Ensure you ask the right questions before handing over your life savings.

If you would like further information on Wealth Management, please call Emma on 966 493 082 for expert advice and a free consultation or email info@goldenleavesinternational.com

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Any more Questions?
We’re here to help

If you would like more detailed information about all of your options, use the contact form on this page. Alternatively, phone us on the following numbers:

Call us FREE on 0800 85 44 48 (UK) 8000 98 309 (SPAIN) or +44 208 684 34 64 if calling from anywhere else outside the UK

Keeping you informed - about all things ex-pat

Don’t make currency exchange a headache!

In today’s technology driven world, exchanging currencies has never been easier. Whether you are purchasing a property, transferring your pension or paying for an insurance policy in a foreign currency, the first move is to line up a regulated specialist currency exchange company.

Why use a regulated specialist currency exchange company? The first part is very important. UK regulation is thought of as one of the best in the world, and companies that come under that regulation have to use segregated accounts for client money so that those funds are ring-fenced and not touched but remain the ownership of the client.
A specialist currency exchange broker, as opposed to a company that is part of a bank, runs a risk free business. As soon as the client wants to buy or sell a currency the broker will interact with the wholesale market straight away. The idea that the broker plays with client money is false.

Currency companies are far more flexible than banks, in the fact that forward contracts, limit orders and a personal service are available. Also, the rates provided by currency companies are generally better than banks which means more currency in the destination bank account.

As we struggle over the Brexit hurdles, it is more important than ever that clients speak to people who understand the currency market and the options that are open to them.

To find out more about how much you could save on your next currency transaction or for a free no obligation consultation.
Please contact Haylee on 966 493 082 or email info@goldenleavesinternational.com

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Any more Questions?
We’re here to help

If you would like more detailed information about all of your options, use the contact form on this page. Alternatively, phone us on the following numbers:

Call us FREE on 0800 85 44 48 (UK) 8000 98 309 (SPAIN) or +44 208 684 34 64 if calling from anywhere else outside the UK

Keeping you informed - about all things ex-pat

Primera Air is launching new flights from Manchester to Malaga’s Costa del Sol airport.

Primera Air is launching new winter 2018 flights, which will operate four times a week on Mondays, Wednesdays, Thursdays and Saturdays from October to Malaga’s Costa del Sol airport, with fares starting from €35 (£31) one way.
It will be the first time Primera Air will operate from Manchester Airport after the airline launched flights from London Stansted and Birmingham Airport earlier this year.

The Latvia and Denmark-based carrier currently serves 97 destinations in 23 countries and the European fleet operates Boeing 737-700 and Boeing 737-800 aircraft.

Primera Air chief commercial officer, Anastasija Visnakova, said, “We see that Malaga is also very popular for UK travellers, so we believe our Manchester route will give British travellers improved flight options”.

Please contact Emma Mac for advice on Travel Insurance and a competitive quote on 966 493 082 or email info@goldenleavesinternational.com

Back to News

Any more Questions?
We’re here to help

If you would like more detailed information about all of your options, use the contact form on this page. Alternatively, phone us on the following numbers:

Call us FREE on 0800 85 44 48 (UK) 8000 98 309 (SPAIN) or +44 208 684 34 64 if calling from anywhere else outside the UK

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Golden Leaves International - A helping hand for over 30 years

Contact Us on: Tel. 0034 966 493 082 | Mob. 0034 603 531 417 | Outside the UK + 44 20 8684 3464
Javea Office: Avenida De La Pla 123 – 125, Edificio Caribe, Local 1, Javea 03730, Alicante
Company Reg. No: B98627813

Golden Leaves Limited, trading as Golden Leaves International, is a funeral plan provider and credit broker and is authorised and regulated by the Financial Conduct Authority.  Firm Reference Number 960923.  You can check this on the Financial Services Register. Golden Leaves SL provides wealth management, legal services and insurance services acting as an insurance distributor for service providers.  Registered with the Dirección General de Seguros y Fondos de Pensiones (DGSFP), reference number C0448B98627813.  You can check this on the DGSFP Register at http://rrpp.dgsfp.mineco.es/Mediador.

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