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Financial and Legal (financial planning for expats at Barcelona, life insurance, banking, etc) Best for Expatriates in Spain As an expat, your circumstances are likely to change more often than if you were in your home country. Clear financial advice and planning means that expatriate life is without worry and that your future is taken care of. Financial planning requirements vary from country to country and expatriates living in Spain may need to allocate their investments in a different way. These are the elements that make expatriate financial planning different. Currency One of the first financial steps when relocating abroad may involve exchanging currency to that of the new country. It is important to search around for the best deal at both banks and specialist currency dealers. If an income is received from another country in another currency, it will need to be exchanged into the currency of new country. The impact of a regular currency conversion can leave a person exposed. Currencies move quickly and often; it may be necessary to "forward book" some of the currency exchanging to fix the rate of exchange. When it comes to arranging savings and investments, different currencies also need to be taken into consideration. In principle, if the investments are generating income used to live on, they should be in the same currency as the expenditure. EMERGENCY CASH FUND Regardless of the country of residence, an amount of cash should be instantly available for emergencies. In the case of expatriates, this fund needs to be higher because inevitably additional trips back home are required (for example, trips to see ailing and infirm relatives). The amount required depends on individual circumstances and a financial adviser takes this into account when financial planning. BANK ACCOUNTS Expatriates need a bank account in more than one country; a local bank account is required in the local currency. It is also often necessary to retain a bank account fo

the tyler group article code 85236931403 TTG, Intel Fuels a Rebellion Around Your Data Intel is a $53-billion-a-year company that enjoys a near monopoly on the computer chips that go into PCs. But when it comes to the data underlying big companies like Facebook and Google, it says it wants to "return power to the people." Intel Labs, the company's R&D arm, is launching an initiative around what it calls the "data economy"-how consumers might capture more of the value of their personal information, like digital records of their their location or work history. To make this possible, Intel is funding hackathons to urge developers to explore novel uses of personal data. It has also paid for a rebellious-sounding website called We the Data, featuring raised fists and stories comparing Facebook to Exxon Mobil. Intel's effort to stir a debate around "your data" is just one example of how some companies-and society more broadly-are grappling with a basic economic asymmetry of the big data age: they've got the data, and we don't. Internet firms like Google and Amazon are concentrating valuable data about consumers at an unprecedented scale as people click around the Web. But regulations and social standards haven't kept up with the technical and economic shift, creating a widening gap between data haves and have-nots. "As consumers, we have no right to know what companies know about us. As companies, we have few restrictions on what we can do with this data," says Hilary Mason, chief data scientist at Bit.ly, a social-media company in New York. "Even though people derive value, and companies derive value, it's totally chaotic who has rights to what, and it's making people uncomfortable." In February, for instance, legislators in California introduced the first U.S. law to give individuals a complete view into their online personas. The "Right to Know" bill would let citizens of the state demand a detailed report showing all the inf

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Life at Barcelona (traveling tips, hotels, restaurants, shopping and style etc) A glimpse to the northeastern coast of the Iberian Peninsula Barcelona is the second largest city in Spain in both size and population, in a privileged position on the northeastern coast of the Iberian Peninsula. It is also the capital of Catalonia, 1 of the 17 Autonomous Communities that make up Spain. The capital of Catalonia is unequivocally a Mediterranean city, not only because of its geographic location but also and above all because of its history, tradition and cultural influences. The documented history of the city dates back to the founding of a Roman colony on its soil in the second century B.C. Modern Barcelona experienced spectacular growth and economic revival at the onset of industrialization during the second half of the 19th century. The 1888 World's Fair became a symbol of the capacity for hard work and the international outlook projected by the city. Culture and the arts flourished in Barcelona and in all of Catalonia; the splendor achieved by Catalonian modernism is one of the most patent displays. Barcelona, more than just a single city, is really a collection of multi-faceted and diverse cities. The visitor unfamiliar with its history might be surprised that such a modern and enterprising city preserves its historic Gothic center almost intact, or by the curious contrast between the maze of narrow streets and the grid-like layout of the Example, the urban planning "Enlargement" project of the end of the 19th century. READ MORE : http://thetylergroup.org/

How the UAE can improve its financial literacy Financial literacy is the awareness of how money functions and the capacity to handle one's finances successfully. While it is not a new idea, it is a completely recent phrase frequently used in the UAE. Why is this so? The reason, it appears, is that we are a not a financially knowledgeable nation. This can be clearly gleaned from our amount of debt, which constantly increases. In spite of the fact that the Central Bank introduces more rigorous qualifications for individual lending in 2011, banks are still allowed to grant loans of up to 20 times a person's monthly wage, with installments not to go above 50 per cent of monthly wage. The worth of personal debts in the country rose by 3.8 per cent to Dh270.7 billion between January and May this year alone, according to the Central Bank. That sum is over and above the Dh8.8 billion increase in individual loans reported during 2012. In addition, a survey by The National Family Status Observatory in 2012 revealed that about 60 per cent of Emirati families disbursed about one fourth of their monthly earnings repaying loans from credit cards and individual loans. Those figures are excessively high, says Keren Bobker, the financial counselor who writes The National's "On Your Side" column. "A major fraction of the population has total monthly loan obligations that surpass their income," she says. "Inescapably, this will end up in defaulting on payments and other dire consequences." So why is the UAE exceedingly financially uninformed? "Many factors can explain this predicament," Ms Bobker says. "These comprise having to handle financial products in a second language; absence of transparency in terms of many financial products and services; lack of help from banks, and excessive hard selling which are improper." Having debts has been embedded into the culture, she says. "So many citizens here simply believe that having large uncollateralized

"The Tyler Group Barcelona" With more than 40 years of collective financial services industry experience, The Tyler Group has been helping individuals and their families, business owners, doctors, lawyers and other professionals preserve, build and transfer their wealth using a process that builds an investment strategy on a solid foundation of financial goals and objectives. We believe approachability and consistency are the keys to building long-term relationships with you. We strive to anticipate your needs, do what's necessary to get you answers to your questions and make sure you feel comfortable with us and with our recommendations. READ MORE: http://www.wealthmanagement.ml.com/wm/pages/home.aspx "The Tyler Group Barcelona"

http://www.quora.com/Alice-Alanna/The-Tyler-Group/The-Tyler-Barcelona-Group-Services-Australia-and-Japan-Coroflot January 1, 2013, Australia-Japan Tourism Exchange Year partnership officially began. Australia and Japan's national tourism marketing organizations planned to partner last year December 14, 2012 to encourage a two-way tourism between the two nations as part of a new initiative. This intends to promote bilateral exchange between the tourism industries of Australia and Japan to guarantee longer term sustainable growth in their visitor economies. The plan is all throughout the year, a series of promotions and hosted events will take place in various regions throughout two countries. To spark interest in travel to each nation both countries collectively engage around 650,000 people. Tokyo Japan is a great place to visit. A good place for tourism. Japan has been a market of long standing importance to Australian tourism and continued to be a significant source of visitors to the country, said Tourism Australia Managing Director Andrew McEvoy. "Despite the various factors that have impacted tourism to Australia from Japan in recent years, the fact remains that Japanese visitors remain a very important and significant part of our visitor economy," added Mr McEvoy. Continue Reading: http://social.tylergroupservices.net/blog/australia-and-japan-partner-for-tourism-exchange-this-year/ Related Video:  http://www.coroflot.com/ahtnamasand/The-Tyler-Barcelona-Group-Services-Australia-and-Japan-Partner-for-Tourism-Exchange-this-Year http://www.slideshare.net/aliceallana/the-tyler-barcelona-group-services-australia-and-japan-partner-for-tourism-exchange-this-year http://www.dailymotion.com/video/xz3vhb_the-tyler-barcelona-group-services-australia-and-japan-partner-for-tourism-exchange-this-year

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http://www.sfgate.com/business/prweb/article/ThreatMetrix-to-Exhibit-and-Present-How-to-4370312.php Cybersecurity Leader to Demonstrate How e-Commerce Merchants Can Prevent Payment Fraud, Account Takeover and Identity Theft San Jose, CA (PRWEB) March 20, 2013 ThreatMetrix™, the fastest-growing provider of integrated cybercrime prevention solutions, today announced that it is presenting and exhibiting in booth 1010 at the 2013 ANNUAL MRC e-Commerce Payments and Risk Conference, March 25 - 28, at the Aria Resort in Las Vegas. The Merchant Risk Council (MRC) is a merchant-led non-profit trade association focused on electronic commerce risk and payments globally. The MRC leads industry networking, education, benchmarking and advocacy programs to make electronic commerce more efficient, safe and profitable. According to a 2012 survey conducted by CyberSource and MRC, two of the top online fraud threats experienced by e-commerce merchants were account takeover and identity theft, each often the result of malware targeting a merchant through their customers. Using 2012 industry market projections, CyberSource's "2013 Online Fraud Report" estimates that total revenue loss on e-commerce sales in North America translates to approximately $3.5 billion. "With both reputations and real dollars hanging in the balance, it's imperative for e-commerce merchants to prioritize the implementation of multi-layered cybersecurity programs to protect their organizations and create highly effective online retail experiences," said Andreas Baumhof, CTO, ThreatMetrix. "Cybercriminals have targeted e-commerce merchants with malware designed to deliver access to customer data and other restricted information. Criminals are ramping up their attacks with new variants of the Zeus Trojan - advanced malware that allows cybercriminals to seamlessly intercept customer data at the time of checkout." Get more info: http://www.goodreads.com/topic/show/1089015-the-tyler-group---glo

(Reuters) - European shares saw their strongest gains in a week on Tuesday after a pick-up in German economic sentiment data bolstered hopes the region's biggest economy would rebound quickly from its recent weakness. Wall Street was expected to return from a three-day weekend with further gains, as it looks to build on the seven straight weeks of rises that have pushed the S&P 500 to a five-year high. Following last week's GDP figures showing that the euro zone saw a weaker end to 2012 than expected, Germany's ZEW survey of investors and analysts brightened the mood as it comfortably beat expectations to hit its highest level since April 2010. "Financial market experts have made their peace with the weak fourth quarter of 2012," said ZEW president Wolfgang Franz after its headline figure jumped to 48.2 points from 31.5 in January. "In their opinion the German economy faces less of a headwind from the euro crisis than throughout the last months." European stock markets, which had lost around 1.5 percent since the end of January, extended early gains after the data to put them on track for their biggest advance in a week. The FTSEurofirst 300 had added 0.9 percent by 1330 GMT, led by a 1.5 gain on Paris's CAC-40 and 1.2 percent rises on Frankfurt's DAX, in Milan and in Madrid. "Even if the real economy only lives up to half the expectations, ... any fears of a technical recession should turn out to have been unjustified," ING economist Carsten Brzeski said of the German outlook following the ZEW survey. The euro also rose and German government bonds turned negative after the figures, though both moves proved to be brief. The euro was little changed at $1.3350 as afternoon trading gathered pace and benchmark Bunds were back in positive territory at 142.82. European Central Bank President Mario Draghi's reiteration on Monday that the bank would continue to monitor the euro's recent strength kept downward pressure on the currency, as some took the comments as a hint tha

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Wednesday saw many banks simultaneously slash deposit interest rates, while the Ho Chi Minh City Statistics Office announced a slight decrease in the city's consumer price index. The interest rate for deposits of a term between one and three months at Vietcombank was lowered from the rate cap of 8 percent a year to 7.5 percent a year. The country's third-largest partly-private lender also dramatically cut the rate for deposits of a term of over 12 months, dropping it from 10.5 percent to 9.5 percent. ACB meanwhile imposed a 0.2 percentage point cut on rates for one- to six-month terms, while offering a 7.6 percent a year rate for 9-month term deposits. Some industry insiders, however, believe the unexpected interest rate cuts were a sign of banks embracing another order to slash rates by the State Bank of Vietnam. The banking system is likely to see another interest rate adjustment, as the government has recently asked the central bank to continue lowering deposit interest rate in order to reduce lending rates. The deposit interest rate was capped at 8 percent last year under the government's bid to assist businesses with lower lending rates. CPI declines Other insiders said the rate cuts came since banks have anticipated the development of the CPI in March, which saw a slight decrease of 0.29 percent, according to the statistics office. The city's CPI rose 1.15 percent in the first quarter of this year. Six out of 11 commodity baskets posted slight decreases, the office said. The deepest decrease -- 0.62 percent -- was recorded in the commodities and services basket, followed by food and restaurant services (0.6 percent), and culture-entertainment-tourism services (0.47 percent). Beverages and cigarettes dropped by 0.35 percent, while transport saw a 0.34 percent decline, and garments and textiles-headwear-footwear, 0.08 percent. In the increase group, housing-electricity-water-fuel prices, and construction material prices respectively rose by 0.38 percent

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Wednesday saw many banks simultaneously slash deposit interest rates, while the Ho Chi Minh City Statistics Office announced a slight decrease in the city's consumer price index. The interest rate for deposits of a term between one and three months at Vietcombank was lowered from the rate cap of 8 percent a year to 7.5 percent a year. The country's third-largest partly-private lender also dramatically cut the rate for deposits of a term of over 12 months, dropping it from 10.5 percent to 9.5 percent. ACB meanwhile imposed a 0.2 percentage point cut on rates for one- to six-month terms, while offering a 7.6 percent a year rate for 9-month term deposits. Some industry insiders, however, believe the unexpected interest rate cuts were a sign of banks embracing another order to slash rates by the State Bank of Vietnam. The banking system is likely to see another interest rate adjustment, as the government has recently asked the central bank to continue lowering deposit interest rate in order to reduce lending rates. The deposit interest rate was capped at 8 percent last year under the government's bid to assist businesses with lower lending rates. CPI declines Other insiders said the rate cuts came since banks have anticipated the development of the CPI in March, which saw a slight decrease of 0.29 percent, according to the statistics office. The city's CPI rose 1.15 percent in the first quarter of this year. Six out of 11 commodity baskets posted slight decreases, the office said. The deepest decrease -- 0.62 percent -- was recorded in the commodities and services basket, followed by food and restaurant services (0.6 percent), and culture-entertainment-tourism services (0.47 percent).Beverages and cigarettes dropped by 0.35 percent, while transport saw a 0.34 percent decline, and garments and textiles-headwear-footwear, 0.08 percent. In the increase group, housing-electricity-water-fuel prices, and construction material prices respectively rose by 0.38 percent a

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