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Expat financial planning blogs & news

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.

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CSM Ltd - Expat Financial Planning Blog Team


Parents Having To Pay GBP 35K Medical Bill After Daughters Crash On Holiday

Mother of 24 year old Natasha Hutchinson having to pay GBP 35,000 hospital after holiday crash

A British woman been left with a £35,000 hospital bill after she nearly lost her leg in a horror moped crash on holiday in Thailand.

Natasha Hutchinson, 24, was travelling on the back of a a rented moped in the popular beach resort Phuket, when they collided with a lorry and she fell off and crushed her leg.

Miss Hutchinson has now left her parents tens of thousands of pounds in debt because she had forgotten to get medical insurance.

24 Year Old Scot Suffers Major Brain Injury Without Insurance

Brain injuries at any age are dramatic but at age 24 whilst overseas without insurance they become very problematic

In January 2016 Owen Auskerry - a 24 year old - from Scotland tragically suffered a brain aneurysm (a burst blood vessel) whilst in Thailand.

At the time of the incident Owen was flown from Nakhon Si Thammarat , some 380km , to a private hospital in Bangkok after a series of seizures.

Owen underwent a 3 1/2 hour brain surgery whilst his parents made arrangements to fly to the Thai capital to be by his side.

The medical costs rose steeply very quickly and concerns over his long-term care forced his family to turn to crowdfunding website GoFundMe for help.

It was further reported at the time that "The cost of his medical treatment in Thailand and the financial implications of his parents going out there to help look after him, as well to bring him home have been and will continue to be considerable".

Colon Cancer Patients Suffer Low Job Retention After Diagnosis

Colon cancer patients may experience low rates of job retention

After a colorectal cancer diagnosis, patients may experience low rates of job retention, according to a research letter published in JAMA.

Researchers from the University of Michigan Health System conducted telephone follow up calls with 567 employed stage III colorectal cancer patients to examine the link between access to paid sick leave and job retention and personal financial burden among this patient population.

The researchers reported that nearly 40% of US employees have no access to paid sick leave, although they believe it could reduce the need for unpaid sick time used during colorectal cancer treatment periods.

Skiers Urged To Buy Travel Insurance

Skiing accidents can seriously affect both your health & finances if unprotected

Many ski-loving holidaymakers are still heading off to the slopes unprotected more than two years since Michael Schumacher suffered his near-fatal accident in the Alps.

Foreign & Commonwealth Office (FCO) and ABTA leaders say that many Britons still go skiing without the appropriate travel insurance or equipment. They warn that the UK's near-one million skiing tourists should safeguard themselves on both matters.

This is why ABTA has launched a new guide detailing what kit snowboarders and skiers require before they hit the slopes.

OBR Reports Increase In Number Of Families Paying IHT

Inheritance Tax (IHT is largely a voluntary tax - proper planning can significantly reduce liabilities

According to the Office for Budget Responsibility (OBR) the number of UK families paying IHT on death has reached a 35 year high.  The main driver of this is the surge in UK house prices. 

Almost three times as many families as six years ago are expected to face the tax. 

The OBR estimates that just over 40,000 families will face IHT in the current tax year but that this will rise to over 45,000 in 2016/17. 

The new residence nil rate band (RNRB), when it is introduced (gradually) from 2017/18, will have an initial "reducing" effect but it is thought this reduction will be gradually countered by predicted increasing house prices.

The Psychological Impact Of Prostate Cancer

Patients diagnosed with prostate cancer often struggle with their diagnosis

It would not be hard to guess the psychological impact on patients the moment a doctor tells them they have cancer.

Just hearing that word probably leaves most patients stunned and, in the moments that follow, perhaps only half-listening to whatever else the doctor has to say.

To some, cancer equals death. Cancer may or may not be life ending, but it is almost certainly life changing.

The diagnosis may intrude often on patients' thoughts and reshape their vision about the trajectory of their lives.

Some may decide to take that cruise around the world they have been dreaming about sooner rather than later.

Rare would be the patient who is not at least a little concerned or frightened about the odyssey of tests and treatment they face.

As a result of the diagnosis, some patients may experience harmful physiological effects and contemplate suicide. Men with prostate cancer (PCa) are not immune.

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