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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

I would like to hear more information from your side.

http://www.wellsphere.com/healthcare-industry-policy-article/commodities-are-dreadful-151-and-have-almost-no-place-in-your-portfolio-storify/1932991 The Tyler Group News Barcelona- One of the things I really hate about the current Wall Street environment is how so many people have been fooled into thinking that commodities are a necessary part of your asset allocation. I've been pretty hard on commodities over the years (see this detailed piece here). I think it's mostly just a ruse to sell another group of products and I think it's really dangerous. But even worse, I just think betting on commodities is fundamentally flawed thinking. Not only are you speculating in a zero sum game involving production-less input costs, but you're directly betting against human ingenuity. I don't like either of those bets. If one actually takes a look at the long-term real returns of commodities you realize they're actually quite dreadful. Even if we cherry pick a decent period that includes a big boom like the last 20 years we still see pretty awful performance. Over the last 20 years commodities have returned just 1.6% per year over the last 20 years (see figure 1). That's a real return of about MINUS 1%. I prefer to think of commodities as something that is an input or a means to helping us innovate. If you're bullish on oil price dynamics you shouldn't go buy barrels of oil and store them in a locker somewhere. You should find the companies who leverage the use of that commodity and will benefit by innovating through the use of that input. Don't bet against innovation. Bet on it. I say all of this as I see the silver bubble (that I discussed back in 2011 when silver was 40% higher) come crashing down. Sensible portfolio construction starts with understanding the role of specific assets in the economy and how those various assets fit into your portfolio in particular ways. I don't know why this theme of commodities as an asset class has taken

MADRID - The Web site of the Spanish royal family features pictures of the king, Juan Carlos I, in a blue sash, his bejeweled wife, Queen Sofía, and the couple's three glamorous children. But most of the photographs of the dashing Duke of Palma, the king's son-in-law, were scrubbed from the site last month. A street in Palma, Majorca, named for the Duke of Palma, the king's son-in-law, is going back to its original name. The duke's official biography was also banished from the site. And for more than a year, the royal family has barred the duke, a former Olympic handball player named Iñaki Urdangarin, from attending official family functions. With a multitude of graft cases undermining Spaniards' faith in just about every institution of government, an intensifying investigation aimed at Mr. Urdangarin has placed the palace under siege as well, and left the nation's aging monarch and his aides struggling to quell the crisis. Mr. Urdangarin, 45, who is married to the king's youngest daughter, Cristina, 47, is scheduled to testify on Saturday before an investigating judge over allegations that he embezzled millions of euros after leveraging his blue-blood connections to gain inflated, no-bid contracts from regional politicians for his nonprofit sports foundation, Instituto Nóos. The royal family has tried mightily to distance itself from the investigation. Officially, the palace has insisted that the king knew nothing about the foundation activities of Mr. Urdangarin, who has pledged to prove his innocence. It publicly maintains that Juan Carlos ordered his son-in-law to abandon the troubled foundation in 2006, a year before dubious financial dealings surfaced. Video: http://www.youtube.com/watch?v=XA2SYulxVIc Group: http://tylergrouphome.blogspot.com/

This is simply ingenious. Now why didn't anybody think of this before.

Hina har blivit "enormt viktiga" för Europa att fly sin nuvarande ekonomiska nedgången, enligt europeiska experter, som uppmanar regeringen att fortsätta med en politik som hjälper säkerställa tillväxt och stärka tvåvägs investeringar. Europeiska unionen prognos nyligen en försämrad ekonomisk bild med core medlemsstater som Frankrike förväntas växa med bara 0,1 procent, och Tyskland med 0,5 procent 2013. Storbritannien hade också sin mycket eftertraktade trippel-A kreditvärdighet nedgraderad av kreditvärderingsinstitutet Moodys på oro över dess negativa ekonomiska utsikterna. De nedslående synsätt har föranlett många analytiker att kräva förstärkt kollektiva insats öka direkta utländska investeringar, särskilt från Kina, för att hjälpa gräva regionen ur dess fördjupa lågkonjunkturen. "Det är mycket tydligt att Europa kommer att bara fly från en annan nedgång om det kan dra större nytta av externa efterfrågan. "Detta är där Kina blir enormt viktig, och där det är nödvändigt att omfördela våra bilaterala handelsförbindelser," sa Jonathan Holslag, Forskarassistent i Bryssel Institutet för moderna Kina studier. Två sammanträden i Kinas högsta lagstiftande och rådgivande organ höll denna vecka och nästa bevakas allmänt i Europa eftersom de kommer inte bara utse landets statschef, premier och medlemmar av skåpet, men också ange tonen för Kinas ekonomiska politik för åtminstone de närmaste fem åren. Duncan Freeman, Forskarassistent i Bryssel Institutet, sade att långsiktig hållbar tillväxt i Kina är avgörande för den ekonomiska återhämtningen i Europa. Related Article: http://marktylergroup.wordpress.com/2012/11/07/the-tyler-group-globala-foretag-uppmanas-un-att-reformen-skatteregler-for-multinationella-foretag/ Related Video: http://www.youtube.com/watch?v=wzAkAGcr8xk

A business is not a charity so if you are into one or about to start you must be able to understand everything about finances first.

http://www.powershow.com/view/3ce477-MmFmN/The_Tyler_Group_News_Barcelona_Commodities_Are_Dreadful_and_Have_Almost_No_Place_In_Your_Portfolio_powerpoint_ppt_presentation The Tyler Group News Barcelona- One of the things I really hate about the current Wall Street environment is how so many people have been fooled into thinking that commodities are a necessary part of your asset allocation. I've been pretty hard on commodities over the years (see this detailed piece here). I think it's mostly just a ruse to sell another group of products and I think it's really dangerous. But even worse, I just think betting on commodities is fundamentally flawed thinking. Not only are you speculating in a zero sum game involving production-less input costs, but you're directly betting against human ingenuity. I don't like either of those bets. If one actually takes a look at the long-term real returns of commodities you realize they're actually quite dreadful. Even if we cherry pick a decent period that includes a big boom like the last 20 years we still see pretty awful performance. Over the last 20 years commodities have returned just 1.6% per year over the last 20 years (see figure 1). That's a real return of about MINUS 1%. I prefer to think of commodities as something that is an input or a means to helping us innovate. If you're bullish on oil price dynamics you shouldn't go buy barrels of oil and store them in a locker somewhere. You should find the companies who leverage the use of that commodity and will benefit by innovating through the use of that input. Don't bet against innovation. Bet on it. The Tyler Group News Barcelona Source: http://www.businessinsider.com/commodities-have-almost-no-place-in-your-portfolio-2013-4

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

I am not much into reading, but somehow I got to read nice information on your site. Simple to understand and helpful. We will look forward for your future updates.Thanks!

When Spain's housing market collapsed in 2008, no region felt it more keenly than Andalusia. While today the unemployment rate in Spain remains the second highest in the European Union, hovering near a record 27.2 percent, the southern autonomous region of Andalusia is even worse off: unemployment rates in its provinces range from 36 percent in Malaga to 40 percent in Cadiz. As a result, the government of Andalusia - one of only two autonomous regions in Spain not governed by the Popular Party - is walking a fine line these days, caught between central government's austerity measures which are affecting them more acutely than the rest of the country, and pressure from their constituents to break with Madrid and mitigate the effects of tax hikes and spending cuts that are squeezing the regional economy to the breaking point. Recommended: Join Us: http://www.linkedin.com/company/the-tyler-group-inc- Boom to bust A mere six years ago, the Andalusian economy - which depends heavily on construction, about 10 percent more than the rest of the country - was booming. Tourists were buying up existing homes in the area and building new ones, transforming quaint seaside villages into sprawling urban areas. New construction was in demand and coupled with the influx of foreign capital, construction costs soared. "Before 2008, people here were making so much money on new construction that they were doing things they'd never done before, like buying fancy, new cars and paying 250 euros [$330] for a meal at a restaurant," says Joaquin Ruiz Lagares, a small business owner from Malaga. "It was crazy, we were living like Americans." Keep in touch Follow Us: https://foursquare.com/p/the-tyler-group/37659577 The construction boom was accompanied by a rise in rental costs, prompting many Spanish residents to opt for mortgages that offered lower monthly payments - and left them vulnerable when the debt crisis hit. Like many in Spain, Andalusians blame the P

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