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Blogs & News

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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


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.

How to think internationally about wills

"Do you have a Will & is it up to date ?"


"Do you have a will, and is it up-to-date?" - Without a relevant will, it is difficult to plan clearly for life’s later events; and not even life’s self-confessed singletons are immune from such considerations.

It is a question we always ask, and we are surprised by the increasing regularity with which we come across a blank sheet or a will that is well past its sell-by-date.

The importance of a will

UK individuals without a valid will die intestate, which means the intestacy law will determine how and to whom the estate is distributed.

Interestingly, the assets do not always automatically go to the surviving spouse.

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