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Expat Financial Planning

Providing Client Clarity Since 1985

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Expat Financial Planning

Providing Client Clarity Since 1985

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    Our blogs

    Keep you informed to keep you ahead

    Our blogs

    Keep you informed to keep you ahead

    blog-reading

    Our expat financial planning blogs

    Our blog site is designed exclusively to inform on issues that relate to and impact expatriates around the globe.We cover a wealth of topics that include insurances - pensions - investments - estate planning and tax - all designed to keep you informed and up to date.

    Three filters are provided to enable you to quickly find the information you seek - "Categories" - "Tags" & "Archive"

    By subscribing to "Market Scope" you will also receive notifications of new blog posts as they are added.

    Click here to sign-up now - its free and packed with information and ideas as to how best plan your financial well being.

    If you would like to ask questions or discuss any issues that relate to any blog post we will be happy to address these with you.

    Regards

    CSM Ltd - Expat Financial Planning Blog Team

    Blog Archive

    Categories

    Tags

    Archives


    Learn the difference in medical insurance policy excess wording

    There are fundamental differences between policy excess (deductible) policy wordings

    Expat Medical Insurance policies will generally all have a policy excess (sometimes referred to as a policy deductible) applied in the event of a claim.

    The type and wording of a policy excess will have a significant impact on how a claim is treated and the claim reimbursement that is made.

    Learn the differences between a 'per annum' and a 'per claim' plan excess.

    Is there life in the old frog yet ?

    Is there life in the old frog yet ?

    February was certainly one of the worst months for stock markets since 2008.

    A profound inflation scare led to US equity markets plummeting over 12% in just two weeks before rebounding strongly.

    The drama is not over and we remain firmly in the grips of these wild swings with markets falling again during the final days of the month.

    Are we heading for another recession or simply a period of heightened market volatility?

    What is the value of remaining invested ?

    A declining bourse need not be a signal to 'jump ship'

    So much news and information is broadcast every day on financial markets and investments that it can make you feel as though it’s never the right time to invest, or remain invested.

    Intrinsic carried out a useful statistical comparison that delivered clear results The comparison took data from investors using Intrinsic’s most popular diversified fund over a period that included significant market fluctuations and negative media coverage.

    It shows the returns for investors who stayed invested throughout compared to the returns for investors who felt they should sell and missed out on the best month, five best months and ten best months

    Estate planning for your digital assets

    Digital assets are not nearly as easy to retrieve as physical assets

    Further to an earlier blog post entitled 'Securing your digital assets' - another article , this time authored by the Drake University, takes the issue further.

    What will happen to your Facebook account when you die?

    What about all your photos shared on social media, your texts with loved ones, or documents on cloud-storage systems?

    In just the two-year period from 2012 to 2014, humans produced more data than in all of human civilization before that – and the pace is only accelerating.

    It’s not clear what people’s digital presences will look like in years to come, but it’s sure that an increasing number of people will be creating and accumulating growing reams of data until the day they die. But then what?

    Will this market volatility sort the 'Wheat from the Chaff'?

    Global equity markets have fallen and volatility has spiked. TAM ask if this will this sort the 'Wheat from the Chaff'?

    For nine years we have enjoyed a steady, if not rampant, Bull market.

    The disaster of 2008 seems long gone...and it is.

    For almost six years now, it has been a story of almost unquenched, steady growth in financial assets and benign volatility.

    Many investors have been lulled into an almost catatonic state of assuming consistent and steady gains, month after month.

    Indeed, with equity markets constantly setting new highs with little or no drawdowns it is understandable why. But, as we all know, there is no such thing and markets will always be at the vagaries of buyers and sellers. The real world has returned...investment is simply not that easy!

    Graham Briar a British national highlights the risks for foreigners living in Thailand without health or medical insurance.
    graham-briar-pleas-for-surgery-funding

    Graham Briar & partner plea for financial help for heart surgery

    Graham Briar, a Thailand based video blogger has suffered a critical illness and urgently needs a triple heart bypass operation.

    However with no medical insurance and not enough money to pay for surgery he finds himself in a nightmare situation in a Chiang Rai hospital.

    Graham, who has been broadcasting about his current situation live on YouTube, says that doctors have told him surgery will cost at least half a million baht (USD 16,000) or as much as one million baht (USD32,000) - this needs to be paid upfront.

    Watch and listen to Grahams plea for help …

    Empty homes tax - a new budjet blow for landlords

    Landlords face fresh blow with empty homes tax

    Property investors face another hit from the Budget as empty homes could be hit by a 100 per cent council tax premium.

    The move, announced by chancellor of the exchequer Philip Hammond during the 22 November 2017 Budget, has been described as "crippling" for buy-to-let investors.

    Today Mr Hammond gave local councils the ability to increase the council tax premium on empty homes from 50 per cent to 100 per cent.

    What is Co-Insurance ?

    "What is co-insurance ?"

    Understanding expat medical and travel insurance terminology is hugely important to ensure you fully understand and appreciate what is and more importantly what is not covered within a medical insurance contract.

    We start this series of informational guidance blogs on the subject of 'co-insurance'.

    In this particular blog we explain what 'co-insurance' is and how it is often integrated into both travel insurance policies and also fully featured expat medical insurance plans.

     Page 1  >>

    Further resources

    Market Indicator - Momentum fund management provide insightful views on equity market trends
    Video Updates - Watch and listen to our Discretionary Fund Manager (DFM) partner videos. The videos provide an insight to the managers thoughts and feelings in respect of market events alongside specific details on portfolio performance
    Market Scope - e-newsletter - don't miss out on important market events - subscribe now its Free
    Our Blog - Commentary and updates on market events - insurances - pensions - investments - taxation and all other issues related to expat financial planning