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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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http://www.scribd.com/doc/130978307/Tyler-Group-Barcelona-News-Articles Tyler Group Barcelona News Articles Spanias 10-års obligasjoner falt for den første uken i fem som noen investorer dømmes gevinster som presset gir minst i mer enn to år var overdreven midt bekymring økonomien vil kampen for å vokse. Spanias 10-års avkastning klatret etter rapporter viste retail sales gled i januar av mest på posten og offentlig sektor gjeld steg 20 prosent i fjor. Tyske bunds fikk etter vedtok EU-lederne på 14 mars "strukturelle" budsjettmessige vurderinger, ved hjelp av kode for å gi land som Frankrike, Spania og Portugal ekstra tid for å få ned underskudd. Italias obligasjoner var lite endret. "Utfordringer i Spania er fortsatt i form av underskuddet, utsiktene for økonomisk vekst er ikke så positivt og den høye arbeidsledigheten," sa Alessandro Giansanti, senior priser strateg på ING Groep NV i Amsterdam. "Vi kan ikke si at Spania vil lett kople fra Italia. Rally har vært veldig sterk, spesielt outperformance versus Italia. " Spanias 10-års avkastning klatret 16 basispunkter, eller 0,16 prosentpoeng i uken til 4,92 prosent per 4:39 PM London-tid i går etter å ha falt til 4.70 prosent på 12 mars, minst siden november 22, 2010. 5,4 Prosent obligasjonen grunn januar 2023 falt 1.27, eller 12.70 euro per 1000 euro ansiktet beløp, til 103.66. Ekstra gi at investorer etterspørselen å holde spansk 10 - års obligasjoner i stedet for lignende modenhet tyske bunds utvidet 23 basispunkter til 347 basis punkter. Såkalte spredningen snevret til 320 basispunkter 12 mars, minst siden 21 mars 2012. Tysklands 10-års avkastning falt syv basispunkter til 1.45 prosent. Tyler Group Barcelona News Articles Source: http://www.bloomberg.com/news/2013-03-16/spanish-bonds-decline-as-advance-is-judged-excessive-bunds-gain.html See more: https://foursquare.com/p/the-tyler-group/37659577 http://groups.skyrock.com/group/ajmr-The-Tyler-Group-Barcelona/article-521486

http://www.getjealous.com/marksotors23/journal/2751880/international-tyler-group-news-reviews-5.html Tod und die Steuern möglicherweise unvermeidlich, aber für kleine Unternehmer können sie auch ebenso beängstigend sein. Betrüger Überstunden um dieses jährliche Ritual in einen Alptraum für Unternehmer und Tante-Emma-Läden zu verwandeln. Gauner haben auf die Tatsache, dass viel Geld und eine ganze Reihe von persönlichen Informationen gießt über das Internet als kleine und mittelständische businesses(SMBs) Gear für Steuer-Saison fing an. Finanzdaten, Ergebnis Formen, steuerliche Feilspäne... alle machen verlockende Ziele für ruchlosen Menschen suchen, um das schnelles Geld aus Ihren hart verdienten Erfolg. Kleines Geschäft, großes Sicherheitsrisiko Denke nicht, du zu klein, ein Geschäft bist, die Aufmerksamkeit der Hacker (die schwarzen Hut-Art) zu entkommen. Grant McDonald, senior global Product marketing Manager, bei Symantec sagte Small Business Computing, "Cyber-Angreifer verlagern ihre Angriffe aus kleinen und mittelständischen Unternehmen." Seines Unternehmens Threat Matrix Sicherheitsüberwachung und Berichterstellungsdienst beobachtete den Anstieg der Angriffe auf kleine und mittelständische Unternehmen, eine direkte Korrelation zu der "Rückgang der gezielte Angriffe auf Unternehmen." Warum? Einfach gesagt, sie machen "eine leichtere Ausrichtung als ein Unternehmen mit einem engagierten Mitarbeiter," sagte McDonald, fügte hinzu, dass Angreifer klug, die Tatsache sind, dass viele kleine und mittelständische Unternehmen mit größeren Unternehmen Vertrag oder sind Teil ihrer Lieferketten. Kleine Unternehmen stellen ein attraktives Ziel für Kriminelle, die auf der Suche nach ein backdoor in eine größere Organisation. Kriminelle setzen auch auf das Chaos, das Steuer-Saison umgibt. Zwischen fieberhaften Buchhaltung, unzählige Formen und drohende steuerliche Fristen möglicherweise Datensicherheit das letzte

http://www.wdbj7.com/news/sns-bc-bitcoins-rise-20130410,0,2762669.story RAPHAEL SATTER Associated Press 6:03 PM EDT, den 10 April, 2013 LONDON (AP)-med $600 uppstoppade i en ficka och en smartphone som göms i den andra, slog Patricio Fink en affär som ansluter sig tusentals lik den i en verklig revolution. Argentinsk programutvecklaren hade att göra i bitcoins - att få en injektion av cybercurrency i utbyte mot en tuss av verkliga greenbacks han räckte till ett par australiska turister i en Buenos Aires Starbucks. Fink ville lägga till sin elektroniska plånbok. Besökarna ville spendera pengar på svarta marknaden priser utan risk att bli misshandlade i en av den argentinska huvudstaden svarta marknaden börser n coffee shop, turister överförs säkerhet Fink deras bitcoins genom en app på sin smartphone och gick iväg med kontanter. "Det är något som är nytt," sa Fink, 24, som beskrev affären att The Associated Press över Skype. "Och det fungerar." Det är transaktioner som dessa - upp till 70.000 av dem varje dag under den senaste månaden - som har drivit bitcoins från världen av Internet underligheter till KUSP mainstream användning, en anmärkningsvärd genombrott för en valuta som gjorde sin online debut för bara fyra år sedan. När de först började pinga över Internet, kunde bitcoins köpa dig nästan ingenting. Nu finns det nästan ingenting bitcoins inte kan köpa. Från hårda droger till hårdvaluta, låtar till överlevnad redskap, bilar att konsumtionsvaror rusar återförsäljare för att välkomna den virtuella valutan vars inofficiell symbol är en dollar-liknande, double preskriberad B. Förespråkarna beskriver Bitcoin som Grundstenen i en utopisk ekonomi: inga gränser, inga ändringsavgifter, ingen stängning och ingen att berätta vad du kan och inte kan göra med dina pengar. Det totala värdet av bitcoins nu toppning $2 miljarder från en bråkdel av det förra året, kritiker säger att det är en

Source: http://academia.edu/3988588/The_Tyler_Group_Fraud_Cases If the immigration bill that passed the Senate on June 27 dies the death of previous reforms, it will not be because of the angry Democrats quoted above. It will be the familiar obstructionism of House Republicans, and particularly Speaker John Boehner, who may refuse to let the measure even come to a vote. That is why the news coverage has focused on the hostility of Republicans. But if you scroll down from The Times's news article to the 522 reader comments, you will find plenty of unhappy Democrats as well - not on Capitol Hill, but Out There. The howls of betrayal sampled above reflect the main complaints from those on the left: The bill, they worry, will steal jobs from American workers by admitting new streams of both low-skilled and high-skilled competitors. It wastes more than $40 billion to militarize the Southern border. It makes the 11 million unauthorized immigrants already here wait 13 years for full equality. And, by the way, how can any self-respecting liberal be for something that enjoys the support of Grover Norquist, the Koch brothers, the Chamber of Commerce and the Fox News commentariat? Watch Presentations: http://www.slideboom.com/presentations/tags/85236931403 There is a strong conservative case for the elaborate contraption called the Border Security, Economic Opportunity, and Immigration Modernization Act of 2013. And no, it is not just about neutralizing the hostility of Latino voters. For the conservative brief, I refer you to David Brooks (here and here) or Douglas Holtz-Eakin (here). My aim here is to address some of the liberal misgivings. Like virtually every milestone in the history of Congress, the Senate bill choreographed by the tireless liberal legislator from New York, Charles Schumer, is a package of compromises, enticements, marketing (see the title), electoral calculation, micromanaging and kitchen sinks (such as SEC. 4503. ENCOURAGING CANADIAN TOURISM TO

Source: http://www.forexfactory.com/news.php?do=news&id=437651 Ökonomen und Investoren auf der ganzen Welt sind endlich an die Idee gewöhnt, dass Chinas Jahre flammenden heißen Wachstum der Vergangenheit sind. code 85236931403: http://blogs.rediff.com/candidarios/tag/code-85236931403/ Während das BIP weiterhin überdurchschnittlich auf Jahre hinaus, wird Chinas politische Entscheidungsträger drängen Reformen cool seine Wohnungsmarkt, sein Finanzsystem zu legitimieren, Korruption verringern und seine Wirtschaft als eine gesteuerte Verbrauch auszugleichen, exportiert nicht. Allerdings sind die Kosten für all diese Anstrengungen langsameres Wachstum. Und mit öffentlichen und privaten finanziellen Verbindlichkeiten himmelhohen, immer mehr Experten sind besorgt, dass China eine harte Landung, ein Szenario erleben werden, wo die Wirtschaft etwa weniger als 5 % verursacht Arbeitslosigkeit zu Spike und soziale Unruhen, die Städte zu fegen abbremst. Wie Sie aus dem Diagramm oben sehen können, sind die BIP Erwartungen schnell herab. Und hinter diesen Zahlen sind beunruhigende Trends in Demografie, Kredit-, Gehäuse und andere grundlegenden Faktoren, die die chinesische Wirtschaft Kraftstoffpumpe sollen. Related Articles: LOW CARBON ENERGY BEYOND THE GAS MAIN: http://www.folkd.com/tag/85236931403 Review that reflects political and economic reality: http://www.bbc.co.uk/news/business-23070757

Source: http://www.nytimes.com/2013/07/08/opinion/keller-liberals-vs-immigration-reform.html?pagewanted=all&_r=1& If the immigration bill that passed the Senate on June 27 dies the death of previous reforms, it will not be because of the angry Democrats quoted above. It will be the familiar obstructionism of House Republicans, and particularly Speaker John Boehner, who may refuse to let the measure even come to a vote. That is why the news coverage has focused on the hostility of Republicans. But if you scroll down from The Times's news article to the 522 reader comments, you will find plenty of unhappy Democrats as well - not on Capitol Hill, but Out There. The howls of betrayal sampled above reflect the main complaints from those on the left: The bill, they worry, will steal jobs from American workers by admitting new streams of both low-skilled and high-skilled competitors. It wastes more than $40 billion to militarize the Southern border. It makes the 11 million unauthorized immigrants already here wait 13 years for full equality. And, by the way, how can any self-respecting liberal be for something that enjoys the support of Grover Norquist, the Koch brothers, the Chamber of Commerce and the Fox News commentariat? Watch Presentations: http://www.slideboom.com/presentations/tags/85236931403 There is a strong conservative case for the elaborate contraption called the Border Security, Economic Opportunity, and Immigration Modernization Act of 2013. And no, it is not just about neutralizing the hostility of Latino voters. For the conservative brief, I refer you to David Brooks (here and here) or Douglas Holtz-Eakin (here). My aim here is to address some of the liberal misgivings. Like virtually every milestone in the history of Congress, the Senate bill choreographed by the tireless liberal legislator from New York, Charles Schumer, is a package of compromises, enticements, marketing (see the title), electoral calculation, micromanaging and kitchen sinks (

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

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

(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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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