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CSM Ltd - Expat Financial Planning Blog Team
Chemotherapy treatment at its very best is not a pleasant experience
The last thing any parent is going to think when their child gets a diagnosis of cancer is: "This might ruin us financially."
Unfortunately, it should be one of the first concerns.
At a time when great strides are being made in the fight against most forms of paediatric cancer, a new study shows that one of the lingering, mostly undiscussed side effects of treatment is financial consequences that can last a lifetime, regardless of the outcome of any treatment.
ReDev Canadian shopping malls continue to deliver for passive income investors
TORONTO, Dec. 9, 2015
ReDev Properties Ltd. is set to ring in the New Year on a high, with hints to greater attention to what the company believes is an enticing market for investors West of Ontario.
Despite market fluctuations, including the downward pressure on Canadian oil prices and the contraction in the energy sector, the company's strong performance indicates long-term growth for ReDev Properties with several successful transactions this year.
Final salary pension scheme deficits become increasingly worrisome
A new report highlighted in a recent FT article from the Pensions Institute, part of Cass Business School, has shown up to 1,000 defined benefit schemes are at ‘serious’ risk of falling into the Pension Protection Fund.
The report, ‘The Greatest Good for the Greatest Number’, predicts that the businesses of hundreds of employers will become insolvent well before the end of their recovery plans, under which the trustees and sponsor agree contributions to make good the deficit over an agreed number of years.
It shows that on insolvency, these schemes may have insufficient funds to pay members’ pensions in full.
Very costly mistakes can easily be avoided with a correctly drafted Will
Emma Myers runs her expert eye over three celebrity wills which didn't work out as originally planned...
Celebrities may seem to have it all, but they are only human and can be just as likely to make mistakes as everyone else, especially when it comes to estate planning.
However, making a mistake with estate planning can have serious repercussions for our nearest and dearest, as these examples highlight.
20% of holidaymakers are travelling overseas uninsured according to new research
Holidaymakers and business travellers run the risk of substantial medical bills which can run into thousands of pounds, particularly if an air ambulance is required to fly them home, travel association Abta warned.
The percentage doing this is similar to last year, when 22% travelled overseas uninsured - but there has been a big rise in young holidaymakers doing so. One third (33%) of 16-24 year olds are travelling uninsured, up from 22% in 2014.
A similar proportion (32%) of 25-34 year olds are also doing this, making these two age groups the most at risk should something go wrong.
HMRC set to capitalise on Brits who do not plan effectively
The predicted £550m wastage is £20m more than last year and an increase of £78m on 2013.
The TaxAction Report 2015, which was carried out in partnership with Prudential, also found that only one in four Britons think their estate will be subject to IHT when they die.
A common IHT planning mistake identified by the report was a failure to place life protection policies under trust, which could reduce a £100,000 life insurance pay out by as much as £40,000.
UK Supreme Court number 1
A controversial Supreme Court ruling could see thousands of ex-wives and husbands pursuing their former spouse for pension pots years after they divorce if no ‘financial order’ was established at the time, experts have warned.
On May 11 2015, the court allowed the latest appeal in the case of Wyatt v Vince. Ms Wyatt was given permission to challenge an earlier ruling in favour of her former husband, after he had appealed a decision to allow a financial claim issued 18 years after their divorce.