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With ASSSA health insurance, protection throughout your life in Spain Age is a factor that health insurance companies take into account when assessing risk acceptance for a new Policyholder. This is why they set a maximum contracting age. In addition, one of the concerns of the Policyholders is whether an increase.. 13/01/2025

Step into 2025 with confidence: Blacktower Financial Management is here for your financial journeyThe new year is the perfect chance to set new financial goals to achieve the lifestyle you want As we bid farewell to 2024 and welcome the promise of a new year, Blacktower Financial Management extends their warmest wishes for a prosperous.. 09/01/2025

Start the New Year with peace of mind: Arrange your will with HeniamTo arrange a will this new yeat, contact the experts at Heniam & Associates If your New Year’s resolution is to get your affairs in order, there’s no better place to start than arranging your will. Heniam & Associates, a trusted.. 27/12/2024

Get your house in order before the end of the year: Create a Spanish will with HeniamWhy wait for New Year’s resolutions? Secure your legacy in Spain today with a legally binding will As the year draws to a close, many of us are thinking about our New Year's resolutions and how we can improve our lives in 2025. But have.. 11/11/2024

How to obtain a Spanish NIE numberThis identity number for foreigners living in Spain is needed for all legal and official procedures Negotiating the bureaucratic system in Spain can be a bit of a minefield for new arrivals, but expats will have to secure certain documentation in order..

Save big on your electricity bills with Spanish EnergySeamlessly switch your energy provider for lower bills anywhere in Spain Are you tired of skyrocketing electricity bills? You're not alone. Many residents in Spain are overpaying for their electricity simply because they haven't explored alternative.. 19/07/2024

What happens if you die without a will in Spain?Here’s what happens to the money if someone dies and doesn’t have a will for Spanish assets Dying without a will can lead to significant complications, especially in a foreign country like Spain, where inheritance laws may differ considerably..

Navigating UK pension transfers to Spain: A strategic approachBlacktower Financial Management can help transfer a UK pension to Spain for expats by Keith Littlewood, Blacktower Financial Management The landscape of transferring UK pensions to Spain has continued to evolve, reflecting changes in.. 04/06/2024

Navigate the Spanish property market with Heniam conveyancing servicesExpert guidance through every step of real estate purchases in Spain with Heniam & Associates Suppose you’ve found your dream home in Spain and successfully made an offer. Now what? Enter conveyancing: the intricate legal procedure involving.. 03/06/2024

Heniam teams up with The National Will Register for comprehensive will servicesMurcia-based administrative assistants Heniam & Associates can draft a will for UK expats anywhere in Spain Heniam & Associates are proud to announce a new collaboration with The National Will Register, enhancing their suite of services.. 24/05/2024

Heniam offer services in Mar Menor Golf Resort, La Torre, La Manga Club and Santa RosaliaThis successful Murcia business is expanding its operations to the main golf resorts in the Region Residents of the Mar Menor Golf Resort, La Torre Golf Resort, La Manga Club, and Santa Rosalía Lake & Life Resort now have access.. 20/05/2024

Tax-efficient investing in Spain: A guide to maximising your wealthMake the most of your investments in Spain with professional advice by Keith Littlewood, Blacktower Financial Management Investing in Spain offers a unique blend of opportunities and challenges, particularly when considering the tax implications.. 17/05/2024

Simple, professional Spanish Wills and Inheritance services from PALS Solicitor in Puerto de Mazarrón and La MangaA Spanish Will is essential whether you own various properties or have nothing more than a bank account in this country! Anyone who has been through bereavement and inheritance procedures, whether in Spain, the UK or any other country, will know how difficult..

Get your finances up to date in 2024: Blacktower Financial ManagementIf you want to ensure you have a prosperous New Year, then read on By Keith Littlewood, Blacktower International Financial Advisor Next year, Blacktower will be conducting workshops in the Costa Calida area on the following subjects: &..

Arrange both UK and Spain wills with HeniamTake advantage of streamlined asset management and take care of British and Spanish assets with one company at the same time As an expat living in Spain, having a will is crucial to ensuring your wishes are honoured after your passing, especially when..

The importance of making a will in SpainThe team at Heniam & Associates can help get your affairs in order Image: Freepik Having a will is the best legal tool to ensure that a person’s wishes are carried out after their death, and it is especially important if you..

Understanding the Power of Attorney in Spanish real estate transactionsUsing a qualified representative in property transactions in Spain can save you time, money and hassle Navigating legal transactions involving real estate in Spain can be something of a minefield, particularly if you are not fluent in the language or living..

Deadline for expats to secure a full UK state pension extended Taxpayers now have until 5th April 2025 to fill gaps in their National Insurance record from April 2006 that may increase their State Pension – an extension of nearly 2 years – the government announced on June 12. Extending the voluntary National..

Community of owners: What to do if someone refuses to pay their community fees in SpainWhat should the board of members do when faced with late payments in communities of owners? In a community of owners in Spain, each member of the community or homeowner in the urbanisation or apartment block must pay a monthly stipend towards the running..

The best way to handle your pension when moving abroad, by BlacktowerEverything you need to know about transferring your private pension to QROPs When considering a move abroad, one important financial decision for prospective expatriates is how to handle their pension fund. Accumulated retirement savings hold significant..

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