Up next in 10
Christina was in earlier for her fortnightly catch up with Moody.Topics included info from the Post-Brexit seminars held last week, Crypto and the Modelo 720 for Spanish residents.
Show More Show Less View Video Transcript
0:00
this is Bay radio and Christina is in
0:03
from black town at financial management
0:04
welcome back say so he was three weeks
0:07
away because you took part in these and
0:09
forums near the very very well-attended
0:13
I think each of them had well over a
0:15
hundred people and people people learn a
0:17
lot about Britain about the implications
0:20
for people living here this was with the
0:23
Citizens Advice bureaux in a cost Oh so
0:26
on and they traveled up to assisters to
0:30
sort to actually do the seminars and
0:32
they did give some very useful
0:33
information about residencia about if it
0:39
was quite funny actually I was saying if
0:41
you are married to an EU citizen or so
0:44
on from Ireland
0:45
you should get your residency er done
0:47
under that you should obviously use this
0:49
because then you'd have freedom of
0:51
movement within the EU so she did make
0:53
us all laugh she said if you haven't got
0:54
an EU partner go out and find one people
0:58
may be doing it was very very
1:00
interesting you know so you've got to
1:01
get your driving licence altered before
1:04
the end of this year or or she'll have
1:06
to take a Spanish driving test yes I
1:08
mean there was the initial scare that
1:10
you had to do that by the end of January
1:11
but also with your residents yeah if it
1:15
hasn't got permanent on it you need to
1:17
go and get it changed so it's got
1:18
permanent on it you can do that off
1:20
you've been here for five years things
1:23
about freedom of movement you know once
1:25
Brits it happens if you're not a
1:26
resident there's certain people that
1:29
they call swallows people who come here
1:30
for the winter etc you're only able to
1:32
be able to spend 90 days in every 180
1:35
within Spain you can't exceed 90 days
1:38
whereas at the moment 180 and 360 so
1:42
there was some very very interesting
1:43
stuff there on you know would we have to
1:46
change our residencia for a TI e and
1:48
that's meant to be automatic the Spanish
1:50
government has said but don't rush to do
1:52
it because there's so many people that
1:53
need to do it if it does have to be done
1:55
they're going to do it in an order so
1:56
maybe alphabetically I don't know how
1:58
and they'll be in touch that's meant to
2:00
be free of charge but in Spain I'm sure
2:02
there'll be a small charge say ten euros
2:03
you know there's some very very
2:05
interesting stuff there I think it's
2:07
going to be more done in April I know
2:09
there's some in March down south in
2:12
Milan
2:13
in Morocco and the costo so and I think
2:16
there's some more up here in April and
2:18
if you didn't attend I would say to
2:20
people if you see the adverts in the
2:21
paper please do attained because even I
2:23
learned something and I thought I knew
2:25
most about Brett sip and it just helps
2:28
put people's minds at rest you can talk
2:30
to people afterwards there's no selling
2:32
there are a few companies there that
2:34
aren't related to Brett see you know
2:35
like funeral plans etc they're just
2:37
staring because obviously if you live in
2:39
Spain and you're worried about things
2:42
like death then they're they're
2:43
important to have so but most it was
2:45
very very informative no selling just
2:48
purely facts so it was very very good of
2:50
course it was officially posted brexit
2:52
but this is the transition period till
2:53
the end of the year into the year
2:56
obviously they could extend the
2:57
transition period but there are you know
3:00
so many different things that you don't
3:01
think about that could come to be you
3:05
know within this period and it was just
3:07
really nice to get the facts from people
3:09
that know what they're talking about
3:10
instead of hearing it down the pub or
3:12
online or on a facebook chat page
3:14
because that does make people worry but
3:17
what I would say if you have got a
3:18
residence card and you have been more
3:19
than hip here more than five years is
3:21
worthwhile getting it change to
3:23
permanent residency where you say you
3:25
learned a lot from them I've learned
3:26
that those people are called swallows
3:27
that come just for this makes perfect
3:31
sense
3:31
they winter in the Sun doesn't make
3:34
sense so you know the people in
3:36
campervans etc that come here maybe for
3:38
more than 90 days have to be careful
3:40
because they will be checking passports
3:42
and you know that I don't think Spain
3:45
will be that strict but you never know
3:47
you know we've got the Gibraltar issue
3:49
they could decide you know just to force
3:51
certain things that they never did
3:52
before so it's just better to make sure
3:54
that you've got everything covered
3:54
whether you're a resident or
3:56
non-resident and as I said you know
3:59
there are more seminars coming up so if
4:02
you do see them I would suggest that you
4:04
register because they were all over
4:05
subscribed yes we had to turn people
4:08
away we did say that so many booked in
4:10
and you know some people that churned up
4:12
on the day and we did try and fit them
4:13
in but it was a push so you have to be
4:17
very very careful so on that we can go
4:19
onto the market yes where we're at see I
4:21
did see it a chart it was from the
4:23
London Stock Exchange about where
4:25
they're taking a dip with the corona
4:26
Vaughn
4:27
Jimmy was mostly that end of January
4:29
beginning of firm and then back up a
4:32
little bit we recovered a little bit
4:33
yesterday slightly down a bit today but
4:36
most that is due to Apple what's
4:39
happened is Apple has said due to the
4:40
coronavirus its suppliers are going to
4:44
be limited therefore there's going to be
4:46
not enough stock in the shops therefore
4:48
it's going to impact its next quarters
4:50
profits so they're they're expecting a
4:52
dip in profits and obviously the next
4:54
quarter after that because most of the
4:56
factories in China have had to close
4:57
down so they're not getting the parts
4:59
and that's what I fit lots of companies
5:01
that do rely on China for their raw
5:03
components or for their manufactured
5:05
goods like laptops computers you know
5:08
everything that's made in China and that
5:10
has impacted the Chinese economy it's
5:12
has it's worse the four worst quarters
5:15
performance since Chairman's Square and
5:18
I think that was in 1989 I think it was
5:25
about in anyway so obviously it sits in
5:27
the Chinese economy because people
5:29
aren't going into it for tourism they're
5:31
not being able to export goods people
5:32
are not taking their goods on board but
5:35
I think the coronaviruses I said to you
5:37
has been blown out of all proportion if
5:38
you think between 30,000 and 60,000 a
5:40
year die in the UK from flu and how many
5:44
deaths are we had worldwide from
5:45
coronavirus you know it parenting
5:48
significance so and people have got the
5:51
normal flow sometimes being classified
5:53
as having coronavirus oh and they sign
5:56
the mast don't really help just wash
5:57
your hands as you said you had the
5:58
doctoring yes yes he covered you know
6:00
it's just but people are overreacting
6:03
they can't sort a big technology fair in
6:05
Barcelona yes they did which was I think
6:09
a slight overreaction so that will be
6:11
scheduled for later in the year so it
6:13
seems the cases are fully now so that
6:14
should blow over the market should are
6:16
not low anyway but they'll recover even
6:18
more because there's good economic data
6:20
out there especially for the US and the
6:22
UK we've Brits it now on track it seems
6:25
you know companies have been given more
6:26
stability we've got the exchange rates
6:29
which did hit 120 yes I had no idea that
6:31
had gone up so I think because I missed
6:32
doing it yesterday because it's gone
6:35
down stage just under I think it's 190
6:37
I'd say it's 120 now one at one 1999
6:40
eight all right so that's quite good
6:42
that's the market rate I think the more
6:44
positive news comes out about Brits it
6:46
the more Boris pace hardline says fear
6:48
you look you've got to do it Julie you
6:50
need to do a deal they need the UK I
6:52
think more than new K needs Europe you
6:55
know sterling is gonna get stronger
6:56
because Europe if you look at it it
6:58
should be a weak currency we should it
7:00
be about 125 at least because of the
7:03
problems within Europe you know you've
7:05
got Greece still you've got Germany on
7:08
the verge of recession you've got France
7:10
which is what you've got Italy which is
7:13
technically bankrupt so there's lots of
7:15
things in Europe they're affecting it
7:16
we've got negative interest rates for a
7:17
start I heard in Sweden if you apply for
7:20
a mortgage you actually get a negative
7:22
interest rate mortgage so effectively
7:23
they're paying you to have a mortgage
7:25
but that doesn't bode well for savers
7:28
but we can go into that later but there
7:29
is a lot on the horizon and if people
7:32
are getting their pensions in sterling
7:33
if you think at one time we were nearly
7:35
1 for 1 now we're at 120 is making life
7:38
easier for experts here as Ciara then
7:41
have a radio just gone half past 10
7:42
mainland Spain half 9 the UK and
7:44
Canaries Cristina Brady is in from black
7:46
tower Financial Management we're filming
7:48
this microphone yes you decided it was
7:53
catching too much of me in that first
7:54
bit so I've turned it round a bit don't
7:56
hide when you just stuck your face into
7:59
it then I'm going to use that as the
8:00
cutaway shed and never come up this is
8:06
and we're getting some what are we
8:07
getting to see you not that you're not
8:09
famous enough already but also obviously
8:12
getting some useful financial bits away
8:14
that was get back to the business world
8:17
if you like the big story in their main
8:18
news this morning about HSBC yeah
8:20
they're gonna cut I think it's about
8:22
35,000 jobs worldwide mostly in the u.s.
8:24
in Europe they're blaming Brett SiC
8:27
coronavirus and the u.s. Chinese trade
8:31
war they've seen their profits plunge by
8:34
53% to 6 billion dollars oh that's the
8:41
honestly that's a huge huge amount of
8:44
profit anyway and their shares are down
8:45
2.2 percent but banks do this
8:47
restructuring ever I worked in the city
8:50
for all numerous years for Deutsche Bank
8:53
and I
8:53
in various departments last bit on the
8:55
trading floor and every year there was a
8:57
cull of staff there was just a
8:59
changeover and most of the banks do this
9:02
on a regular basis although that is a
9:04
huge number but if you think they're
9:06
over a workforce it's not really that
9:08
much in comparison so they do that they
9:11
say they're gonna trim costs they get
9:13
rid of people but then they tend to beef
9:14
up the numbers again afterwards they
9:16
tend to get rid of not unprofitable
9:18
departments and then they'll start
9:20
another department so it's just one of
9:22
those things that is cyclical within the
9:24
banking industry and you get used to it
9:26
when you work there certain times of the
9:28
year you knew it was when there was
9:29
going to be yes or a reshuffling and
9:32
redundancies were gonna be announced and
9:34
you just hoped you didn't turn up to
9:35
work and I was a cardboard box on your
9:37
desk sure because you were that's what
9:39
happened you went up to personnel you
9:40
came down there was a box on your desk
9:41
security is school to do you to put your
9:44
stuff in and that was it you were out
9:45
really know nice it is about it yeah
9:47
that's the reality and we think it's so
9:49
pretty sweet gig in the city there you
9:50
know it's decent money it was cutthroat
9:54
and there's there's no sympathetic way
9:58
they don't do it in any way that is
10:00
sympathetic to anybody it's brutal you
10:02
know everyone knows those people are
10:03
going because they've been in school to
10:04
buy security guards
10:06
they're not allowed to make any phone
10:07
calls it's just get your personal
10:08
belongings they check it's just your
10:10
personal belongings and go and that's it
10:12
this doesn't sound like the banking
10:13
industry we know and loved and it's very
10:18
stressful so that's why they do get good
10:20
salaries and I work there and we used to
10:22
work long hours I know people think oh
10:23
we're getting pay for nothing but most
10:24
of time we had to be there for seven
10:26
o'clock in the morning and we didn't
10:27
leave till 9 o'clock at night
10:29
oh no that we see it is the jobs in the
10:31
city there it's one of those things you
10:32
can only do for a certain period
10:34
american bank called Bankers Trust on
10:37
the trading floor you had to retire at
10:39
40 because they were burnt out
10:41
they were completely nicely frazzled and
10:43
we had the highest cases of people with
10:45
brain tumors and although health and
10:47
safety came in i'm assurance because i
10:49
own all the computer screens around them
10:51
all day long but you don't know but it
10:53
could have been the stress as well so
10:54
anyway that's the city and then we've
10:56
gone to another thing savers have been
10:58
putting money or keeping money within
11:00
and NS&I national savings and
11:02
investments run by the UK government
11:04
that includes premium bonds
11:06
they've announced
11:07
that from May they are going to cut all
11:10
the savings rates and they're going to
11:12
cut all the prices on the premium bonds
11:13
so the Johnson you whinnying I've gone
11:15
from twenty four thousand to once went
11:17
something like twenty-seven thousand to
11:19
one they're cut in how many top prizes
11:21
there are how many other prizes there
11:23
are so if you have premium bonds most
11:25
people come to me they have premium
11:26
bonds I say we'll keep them it's a
11:27
liquid form of cash as long as you're
11:29
getting a return of say two or three
11:31
percent a year you know you little
11:33
prices keep them most people now are not
11:35
even going to be getting in return of
11:36
one percent a year so if you have got a
11:39
bit of money in premium bondsman now is
11:41
the time maybe just consider talking to
11:43
a financial adviser and putting that
11:45
money elsewhere it's because inflation
11:47
is running over one percent if you're
11:49
not getting at least that on your
11:50
savings you are losing money day after
11:52
day after day you're losing your buying
11:54
power so and they've cut the savings
11:57
rates I think on the direct saver it was
11:58
1% it's now gonna be zero point seven on
12:01
the interest account it was zero point
12:03
eight it's now going to be zero point
12:04
six so yet again savers are going to
12:06
suffer and also we've got the Bank of
12:08
England they're gonna have a meeting in
12:10
March to discuss interest rates and they
12:12
could reduce them it depends on what's
12:13
happening with the figures and brett's
12:14
it but there is you know a feeling that
12:16
interest rates could be reduced even
12:18
more so for savers it is a bum deal if
12:21
you've got it in any account if you're
12:23
looking Europe you've got negative
12:24
interest rates yeah you've got charges
12:27
on accounts now because the money's
12:29
can't deposit there the banks can't
12:30
deposit their money overnight with the
12:32
banks or central banks because the
12:33
central banks are charging them so what
12:35
they're having to do is pass those
12:36
charges on to the clients they're very
12:38
quicker passing charges on and not very
12:41
good at getting rid of the charges it's
12:43
like with petrol they're very good at
12:44
putting the price up but never bringing
12:45
it down but these things are being
12:47
passed on to clients so you really do
12:49
need it's a time now where you need to
12:51
make your money work for you and it I've
12:54
been in the financial services industry
12:55
now all my life and I've seen it it's
12:59
cyclical it goes up and down but we have
13:00
had a very long period now of low
13:02
interest rates really since the
13:04
recession and people are losing money
13:07
inflation if they say it's a 1% if you
13:10
look at your weekly food bill etc
13:12
especially going up three or four
13:13
percent if your money's not keeping up
13:15
with that then you are basically losing
13:18
money
13:18
it's all right saying it's safe in the
13:20
bank but house
13:20
if you look at Greece their money was
13:23
safe they still haven't got their money
13:24
back you know you've got these
13:26
protection things but it doesn't say
13:27
when you're gonna get your money back so
13:28
please look at where you've got your
13:30
money you do need some liquid cash some
13:32
cash you can get out of hands on any
13:34
time but the rest of it there are some
13:36
very good low-risk investments out there
13:38
I mean low-risk obviously I can't have
13:40
no risk or should get no return so it's
13:42
worthwhile considering yeah I've never
13:44
quite understood the premium bonds I'm I
13:46
have some I found though I have some
13:48
never won in that's right the the number
13:54
generator oh I think when I was born
14:00
boom but I don't know what to do with it
14:02
do they still run I don't you could
14:05
check them on the system if you're going
14:06
to put your number in I found them the
14:09
other day I was doing some I never won
14:13
no but some clients coming in they win
14:16
you know 50 quid a month or something
14:18
you know they're lucky but it's it it
14:20
depends how many you've got it's usually
14:21
the people have bought bulk amounts you
14:23
know got a huge amount in there
14:24
obviously if you've just got a one-pound
14:26
ticket you're less likely to win then if
14:28
you've got thirty thousand in there or
14:29
fifty thousand but then you've still got
14:31
to look at the return you're getting on
14:33
the money you've put in there to
14:35
investigate further thank you let's just
14:42
do a couple of short bits here and we
14:44
haven't really mentioned touched on
14:46
cryptocurrency it's not that much in
14:47
here but to you wanted to Bitcoin I'm
14:49
always I know people have made huge
14:51
amounts of theoretical money on this and
14:53
actual money but it does worry me and
14:55
over the weekend we saw a hue
14:57
what I say is a huge price correction on
14:59
Saturday most of the Bitcoin where all
15:02
of them fell by at least 10% some of
15:05
them 14% down just over the weekend so
15:08
you had Bitcoin dropped by 14% something
15:11
called ripple which I don't know about
15:13
well for eth and life corn 13% so you
15:17
know that was a big price correction
15:19
especially for people who've got a large
15:22
amount of money in there it's a very
15:24
volatile currency us I suppose it's not
15:29
regulated by anything you know it's open
15:31
to fraud there have been huge cases of
15:33
fraud within this bit
15:34
coin and it was a article in the paper
15:36
today about Iran they're doing lots of
15:38
Bitcoin mining because obviously if
15:41
you've got a sanctions on you you can
15:42
get bitcoins you can buy stuff on the
15:44
market yeah so I'll have to wait and see
15:47
well obviously stabilize it will go back
15:49
up again but what you've got to remember
15:50
is you're investing in something like
15:52
that especially if you're going in now
15:53
you're going in when it's at a high
15:55
price anyway it's more volatile than the
15:57
stock markets you are going to see if
15:59
you started at inception they know
16:02
you've made a killing I had a little bit
16:03
I didn't have it much in there as I
16:05
thought and got all excited and then it
16:07
wasn't it wasn't quite what is it
16:08
expecting but I know she said because I
16:10
hadn't had three pounds for left in
16:12
there just not doing anything and it
16:14
went up to 340 something which for that
16:15
small amount that's quite a big jump job
16:17
and then it did drop back but the thing
16:18
is with those but you when you've got
16:20
one of the the wallets as they're called
16:21
you see the all the currencies in there
16:23
big coin aetherium and they all do the
16:25
same thing so we've got that and then on
16:29
the funds from we've got merlin has
16:32
bought a fund called meridian global
16:34
investors what they're going to do it's
16:36
going to result in streamlining of funds
16:38
so they've got a lot of duplication so
16:40
say Marion has got an Asia fund so is
16:45
Jupiter so they're gonna be merged so
16:47
people who have got investments will
16:48
notice some changes there it's not a bad
16:51
thing you know you've got good fund
16:53
managers will now be kept on and then
16:55
not so good ones will go so that's not a
16:58
bad thing it'll make the funds bigger as
17:00
well so that's another bit of news there
17:02
for investors now is Lewis Capaldi then
17:04
has by radio gone 10 to 11 there
17:07
mainland Spain tend to turn the UK and
17:08
Canaries and Cristina Brody's in from
17:10
black tower at financial management as I
17:11
always say lucky to have you because
17:13
here you've got plenty going on I have
17:15
emails tumbling in as we speak he's
17:17
check-in a three during that there so we
17:19
don't usually get off in just a moment
17:21
it's wrapping up though let's mention
17:22
this again knee Modelo 720 because it's
17:24
one or two people
17:25
the asset declaration if you are tax
17:27
resident in Spain you are meant to
17:30
declare any assets you hold outside
17:32
Spain that are worth more than 50
17:35
thousand euros this is using the
17:36
exchange rate as at the 31st of December
17:39
2019 there are three categories the
17:42
first one is your bank accounts if
17:44
you've got ten bank accounts if you add
17:45
them all together you say equals 45
17:48
sterling you think oh that's brilliant
17:50
no use the exchange rate or come over to
17:52
50,000 euros you should declare every
17:55
single bank count even if one's just got
17:57
50 pounds in next one is pensions
17:59
savings Life Assurance obviously usually
18:03
most people are over the fifty thousand
18:05
in that category and the third one is
18:07
property your own abroad so if you've
18:08
got rental properties in the UK if
18:10
you've got property in France if you've
18:12
got property in on US Australia you
18:15
should declare it and that has to be
18:16
done by the end of March if you've done
18:19
it before you do not need to do it every
18:22
year and I have to make this clear to
18:23
everyone once you did it it started in
18:25
2012 if you did it then as long as you
18:28
haven't sold off any assets completely
18:30
or the value of any assets you hold
18:32
hasn't gone up by more than 20,000 euros
18:34
you do not need to resubmit a Modelo 720
18:38
so if you've done it and you nothing is
18:41
risen or you haven't sold anything you
18:43
don't need to worry everyone says to me
18:45
on the Montello 720 that's been ruled
18:47
illegal by the EU no it hasn't the u s--
18:50
has said that spain is well within its
18:51
rights to request this information it's
18:54
the fine it they impose if you get
18:56
anything wrong or you don't declare that
18:57
are incorrect so what people are doing
19:00
is if they're being fined they're not
19:01
paying the fines because obviously it's
19:03
going through the courts but it's best
19:05
to have this information there and to
19:07
report it obviously it's only if your
19:10
tax resident so don't be a few a tax
19:12
resident for 2019 do you need to report
19:16
it if you're not becoming tax residents
19:17
you're 2020 or you didn't become tax
19:20
residents to the end of 2019 so you
19:23
weren't over your 183 days and you can
19:25
prove that you paid your taxes in the UK
19:27
for that tax year then obviously if your
19:30
only tax resident in 2020 you don't need
19:33
to do it till March 2021 okay it's only
19:37
if you're a tax resident for 2019 or
19:40
before so please just be aware talk to
19:43
your history or accountant they can
19:45
always give you guidance if you're not
19:46
sure you can always get in touch with us
19:48
and we can just send you through
19:49
something that tells you what you need
19:50
to do I did see a very good website the
19:52
other day which I'll try to find again
19:54
if people need it but it's just
19:55
something keeps you above board and when
19:57
I was doing all these British system as
19:59
I still come across people who knew
20:01
people that sort
20:02
could still live under the radar in
20:03
Spain not paying any taxes claim their
20:06
resident here well tough news for you or
20:08
after December 2020 you will be found
20:11
out
20:12
there'll be no health care for you if
20:13
you're here more than 90 days the
20:15
Spanish will know because they will get
20:17
copies of your bank statements they will
20:19
ask your bank and they will come down on
20:21
you and they can go back five years and
20:23
they will find out if you paid no tax
20:25
here and they will find you so if you
20:27
are living here under the radar and you
20:28
do want to carry on living here you need
20:30
to get your residence here before
20:32
December and you need to start paying
20:34
your taxes here please please if you
20:37
want to stay here do that or else you
20:39
may find yourself being chucked out
20:40
okay I'm not scare mongering but the
20:43
people who for all these smugly all
20:45
these years I've never paid any tax I've
20:46
lived here now's the time to start
20:48
getting worried okay because if they do
20:50
find out they can you know they can
20:52
embargo your house your bank accounts
20:55
please just try and be aboveboard as I
20:57
said we've got in the Montello 720 if
20:59
you're not sure please talk to your
21:01
history or accountant but you don't need
21:02
to worry if you've done it before
21:04
as I said nothing to be sold nothing's
21:05
gone up more than 20,000 and if you're
21:08
new then obviously your history or
21:10
accountant will help you so that's just
21:12
it's a declaration that you're not going
21:14
to be no your anything no is to keep a
21:17
tab of your assets so then when it comes
21:19
to your income tax return in June if you
21:22
say you've got a rental property liam
21:24
rental of 720 but you're not saying
21:26
you've got rental income coming in on
21:27
your income tax they can just check it
21:29
but you're not taxed on the Modelo 720
21:31
you can only get fined if you don't do
21:33
it or you do something wrong but as I
21:35
said people aren't paying the fines
21:36
because they're in dispute so it's just
21:37
a way of making sure that things tally
21:39
okay but if you have any questions on
21:42
anything I've said today about savings
21:44
about how to make your savings work
21:45
better for you and you know investments
21:47
that are low risk anything at all we've
21:49
had queries on inheritance tax you know
21:51
what happens after brett's it will we
21:53
still get a hundred thousand allowance
21:55
for relatives it looks like yes but we
21:57
don't know but things like that or if
22:00
you are interested in you know should
22:03
you be transferring your pension for
22:04
most people the answer's no for a few
22:06
people it's yes please get in touch we
22:09
are here to help you the best email is
22:11
info at black tower fm and that sense of
22:14
financial management calm
22:16
or alternatively c-dot be at a black
22:20
tower FM comm or you can call the office
22:24
it says 965 zero five eight two one two
22:28
or you can email studio at bay radio dot
22:32
F M
22:35
and they will pass anything on to me but
22:37
please don't worry in silence if you've
22:39
got any questions any queries regarding
22:41
the investment savings pictures or
22:43
general questions regarding finance
22:45
please get in touch and we will give you
22:47
good honest independent advice and you
22:51
know banks has been going now over
22:52
thirty years
22:53
we're coming up for 35 years must be
22:56
doing something right we've got a large
22:57
client base we're in every country in
22:59
Europe we're now in the Americas as well
23:01
so we can in the UK so we can help you
23:04
no matter where you are hopefully so
23:06
please be in touch
23:07
was anyone that listens to this
23:08
regularly well no you know your stuff
23:10
and the company does as well obviously
23:12
so well black tower FM comm is easiest
23:15
way to remember it's a website but I
23:18
could I just say to my husband I love
23:21
you he's been very very oh and I
23:22
shouldn't say this and he's been in
23:23
hospital has a major operation and he's
23:26
recovering well and I'm so happy for him
23:27
no be glad to hear he's doing well yeah
23:29
I did it first thing I asked you there
23:30
in this morning so alright well I know
23:32
it's a say you're busy with that and
23:34
everything else work quite as well so
23:36
I'll be we'll see in a couple of weeks
23:37
time Bay radio
#Financial Planning & Management