Up next in 10
Christina Brady from Blacktower Financial Management - Tue 28th Jan 2020
375 views
Jan 13, 2025
Christina Brady's fortnightly chat with Moody at breakfast. This week covering Brexit and the Modelo 720 amongst other issues.
View Video Transcript
0:00
we specialize in protecting preserving
0:02
and growing your wealth black tower
0:04
financial management the team you want
0:06
by your side is it black tower FM comm
0:09
this is Bay radio then who only welcome
0:11
to Tuesday and as I say a Tuesday
0:13
delighted to welcome back Christina
0:15
Brady from black tower Financial
0:16
Management lucky to have you for this
0:18
hour whenever you can make it an usually
0:19
every fortnight it is and what do you
0:22
want to I said where should we start and
0:23
you decided you want to talk about the
0:25
coronavirus it was between that and
0:27
Brits it and I thought which one's the
0:28
least deadly yeah we're seeing this
0:33
morning possible if there's some summer
0:36
the papers are using the word outbreak
0:37
but one case possible in Torrevieja
0:40
they've gone for the tests anyway we
0:42
were saying all the tests in UK have
0:44
come back negative so you know if you
0:45
get a bad sniffle or a cold or you if
0:48
you've got something like that and you
0:49
say you've been to China they're
0:50
automatically going to quarantine you
0:51
and put you in you know and do all the
0:54
tests
0:54
well that's Brits though isn't it soon
0:55
as you get a sniffle that's it I've
0:56
definitely got coronavirus after the
0:58
doctors all came back but this is an
0:59
Icelandic tourist apparently who had
1:01
been in walk on itself now you see then
1:03
that is worrying you have to be very
1:04
careful and obviously it seems really
1:08
weird but this does and it has affected
1:11
the stock market really yes it has
1:14
we saw a drop yesterday of over two
1:16
percent it has come back slightly stay
1:17
where naira
1:18
7 4 to 8 which is a tiny rebound and
1:22
it's um it's because of the coronavirus
1:25
the effect of it because what its gonna
1:26
do is it's gonna affect travel companies
1:28
Airlines actually there already was it
1:30
was an almost immediate knock-on effect
1:32
on tourism yeah and if you look at also
1:35
one of the countries that gonna suffer
1:36
the most it's gonna be Australia because
1:38
a huge amount of his tourist industry
1:41
comes from China there were a million
1:43
visitors a year and they spent AXI
1:45
billion I think it's for nearly 20
1:46
billion a year in Australia and they're
1:50
not coming and I remember when I went
1:52
early last year we were in Sydney and in
1:55
all the high-end stores that lots of
1:57
Chinese they were in Gucci Chanel Dior
2:00
and they weren't buying just one handbag
2:01
they were bowing like ten at a time you
2:04
ever got spending power they had really
2:05
big spending power so it's any
2:07
Australian economy is already faltering
2:10
so this could tip that over the edge so
2:12
that's one thing to look at
2:13
so you've got holiday companies you've
2:15
got travel companies and it's not just
2:17
gonna fit the ones in the you know Asia
2:20
it's going to affect across the world
2:23
because obviously the airlines operate
2:25
across the world
2:26
um it's going so that's gonna affect
2:28
your investments because the stock
2:29
market's going to get a bit touchy about
2:31
what's happening and it could affect
2:34
currencies as well and it's it's a weird
2:38
thing it's that you know usually if
2:40
you're gonna have a flu outbreak or
2:42
something like this is usually October
2:43
November usually now things are dying
2:45
off so we'll have to wait and see in it
2:47
being in China you don't really know how
2:50
bad it is they're saying officially a
2:52
hundred have died but it could be a
2:53
thousand said according to state to
2:55
media yeah you know state media in China
2:57
has always been economical with the
2:59
truth sorry China but you have and you
3:02
don't really know and you don't know if
3:03
it's just you know concentrated in that
3:06
area or as it spreads to another area
3:08
and I think the fact that maybe people
3:11
feel that everything hasn't been
3:13
disclosed is adding to the fear as well
3:15
and as you said people get a sniffle
3:17
that's not so bad when they start to get
3:19
a fever and you know their breathing is
3:21
short of breath in and they've it's you
3:23
know it may be silly but if they've been
3:25
to China or they've been to Asia they
3:27
will worry
3:27
yeah well that's fast understandable but
3:29
so yeah it's nothing wrong we getting
3:30
tested I suppose getting it
3:32
what are you pens you know if you've got
3:33
hundreds and hundreds of people turning
3:35
up it's a waste of resources if there's
3:36
nothing wrong with them yeah just don't
3:38
care for that too much no but if you
3:40
have got a real good case like you said
3:41
in Torrevieja you know you've been to
3:43
the area you feeling unwell they will
3:45
test you and one of the things they're
3:47
saying in China is I haven't got the
3:49
resources haven't got the testing quit
3:50
kids haven't got the quarantine so it's
3:54
very difficult to contain something when
3:56
you haven't got the resources you need
3:57
to do that and there is spin I think
4:01
it's been the gates been closed too late
4:03
I think that's what happens with most
4:04
things people knew about it and they
4:06
associated special governments and they
4:08
thought oh no we're okay but you know
4:10
what it's like on a plane they recycle
4:12
the air if someone on that plane has got
4:14
it there's a likelihood at least 50% of
4:16
the pilot people on that plane are gonna
4:18
get it because they that was pumping
4:19
fresh air they're not going to open the
4:21
windows on a plane well they might to
4:22
suck you all out as always oh and
4:24
there's a big story have a dramatic
4:26
there's somebody
4:27
benefiting from it and it's the
4:29
manufacturer of the mask sold out they
4:31
keep selling out can't get them for love
4:33
nor money I know well the thing is it
4:38
depends you know obviously the masks
4:40
yeah good idea but who says it's just
4:43
passed by that I know it's meant to be
4:44
through the air but it may be by
4:46
touching you don't know it's always
4:48
coughed and they put their hand on a
4:49
rail like germs there you touch that
4:52
germ you know that doesn't matter if
4:54
you've got a mask on when you take the
4:55
mask off unless you're gonna wash your
4:56
hands completely you know all the time
4:58
it's very very difficult to contain
5:00
viruses anyone this is as we know in
5:02
hospitals you know when they get break
5:03
out of a mrs a or whatever in the
5:06
hospital or something you know when they
5:08
have the upset tummy bugs it's very
5:11
difficult to contain it because hygiene
5:13
is paramount so I'll have to wait and
5:16
see with that hopefully it will be
5:17
contained I guess some take care when
5:19
you're going through the air pie it's
5:21
like I've got some sort of disorder like
5:23
the component now it's opening things
5:24
with the little folder when you go to
5:28
the toilet I always get a bit of toilet
5:30
paper to open the doors because I'm not
5:31
being funny but there's still a huge
5:33
majority of people that go to the toilet
5:35
and still don't wash their hands and
5:37
also you've been to the toilet you're
5:39
coming out but you can't wash your hands
5:40
in the toilet so you've got a dirty hand
5:42
anyway to open the door yeah this the
5:44
world yeah a little gel with you but so
5:46
you know when you get on the bus when
5:47
you come off the plane hold it hanging
5:49
onto the bar that I put my arm regular
5:51
so don't grab it with your hand you have
5:55
to do and if you are a cruise ship you
5:57
know they've always got the sanitizers
5:58
everywhere because things do pass
6:00
quickly between people we need a closed
6:02
environment so obviously people be
6:04
careful it has effective Chinese
6:07
obviously tourism if we had the Chinese
6:10
New Year yes I know it's hardly any
6:12
Chinese out celebrating right even the
6:14
Great Wall of China certain parts were
6:16
closed off they were trying to contain
6:19
it because if you get groups of people
6:20
together you know breeding ground so
6:24
really I think we'll see how what
6:26
happens in the next month Eva it's going
6:27
to take off or else it's just gonna die
6:30
a death and you know that'll be it a
6:32
hundred maybe you know a couple of
6:34
hundred dead but if you think a hundred
6:35
people are panicking but in Africa you
6:37
have these outbreaks of Ebola and you
6:40
know these sort of diseases and
6:41
thousands upon thousands are dying but
6:44
it's because you don't have that much
6:46
tourism in these rural areas in Africa
6:48
people don't panic but it's still each
6:50
life should be worth the same and it
6:52
seems we're getting more on this because
6:54
it could affect the West whereas if
6:55
you've got places like Africa it doesn't
6:57
affect the West so it doesn't get in the
6:59
news so much course yes they don't like
7:00
to think about their horrible situation
7:02
it's I did see some figures out of China
7:04
of just in the last couple of weeks
7:06
slight fall in the sort of economic
7:08
figures well it was before all of this
7:11
something is there economic output but
7:13
it was still like 6.1 percent which
7:15
other countries would dream the point
7:18
one percent yeah but no it will affect
7:20
the growth obviously if it does take off
7:22
and it does become a major thing it will
7:24
affect growth in China which then it's
7:26
gonna affect the global growth which
7:28
thing could lead to countries which a
7:29
teacher in on recession like Germany
7:31
going into recession so we will have to
7:34
wait and see it depends how big this
7:36
gets it could have a big knock-on effect
7:38
on our everything you know on food
7:40
supplies everything Cristina Brady is
7:42
back in from black tower financial
7:44
measurement black tower FM comm we're at
7:46
the 28th of January as if familiy date
7:48
to you this is my daughter's 1818 man
7:51
know if you listen or a cab but happy
7:53
birthday Lauren sort something out later
7:55
when they're actually be listening has
7:58
been made to go to school today it's
8:01
quite right to so yeah 28th of January
8:04
ahead of the 31st of January there's
8:06
another familiar date on the air now
8:07
anyway brexit dates on Friday we get the
8:12
transition period of course some until
8:14
December 2020 it made me laugh in the
8:17
papers history because you had the Irish
8:18
Prime Minister Leo I can't say surname
8:21
over oh yeah he was saying UK is it a
8:24
weak position post Brits it those are
8:26
only one country what this chap forgot
8:29
so to say to people is that the UK
8:32
economy is equal to the economies of the
8:34
18 smallest countries in the EU set up
8:38
the 27 18 of those put them together and
8:42
that still doesn't equal the UK economy
8:44
so it's not just one country it's one
8:46
country that's got a lot of power and I
8:49
think Boris you know he's stuck to his
8:50
word he signed the with door agreement
8:52
obviously it wasn't headline using the
8:54
page
8:54
because they were all on the side of
8:55
remain but there has been some good news
8:58
there was an announcement I think it was
9:00
today or it could have been yesterday
9:01
about expat pensions and health care yes
9:05
the pensions that will get the rice rice
9:07
so they've guaranteed that as long as
9:09
you live in the EU and you're registered
9:12
in EU so if you're not resident please
9:15
get residency but by December 2020 you
9:19
will be guaranteed that rises in your UK
9:22
state pension however if you come to
9:25
anywhere in the uuugh after 2020
9:27
December you will not okay your pinches
9:31
will be frozen the same as they are in
9:32
Australia Canada and New Zealand so it's
9:35
imperative that if you live in the EU
9:38
anywhere and you're getting a UK state
9:41
pension that they know that you live in
9:43
the EU and so therefore you will be
9:46
guaranteed your rises which are very
9:48
very valuable because if you think I
9:51
think the the moments about 129 pounds a
9:54
week if you're an Australian New Zealand
9:56
yours is still only 67 pounds away tking
9:59
boy because it was frozen so it makes a
10:01
huge huge difference also they've looked
10:04
at health care and they're looking to
10:06
guarantee health care for people as well
10:08
we've got the rest one so that will just
10:10
really it just takes us some of the
10:12
stress for the people living here
10:14
because they won't worry know about
10:16
whether they have to have health care
10:17
you know if you don't get the rises you
10:19
know state pension inflation is there
10:21
it's ever-present it means you're
10:22
getting poorer so those people that
10:24
panic in doom and gloom all the
10:26
remainders that were saying everything's
10:28
gonna fall about the world's going to
10:29
end if you look at the UK economy it's
10:32
starting to boom companies are starting
10:34
to invest again there was so much scare
10:36
mongering there's so much untruths
10:37
thrown around by the remainders and Tony
10:40
Blair should be shot hung drawn and
10:41
quartered for what he's done with the
10:43
Brits it was a complete traitor but also
10:44
for what he did before when he was Prime
10:46
Minister I think you should just be sent
10:48
to some island in the middle of nowhere
10:50
and left there you know the UK they are
10:53
working hard to make a go of it they've
10:55
got people queuing up to do trade
10:57
agreements okay everything's not going
10:59
to be as easy as before if you've got a
11:01
driving licence for instance and you're
11:02
living in Spain or in the EU you have to
11:05
convert it to a Spanish driving license
11:06
or an Internet
11:07
driving license and you meant to have
11:09
had your applications in by this Friday
11:11
there may be an extension with the
11:13
rapport agreement we don't know yet if
11:15
not you may be forced to take a driving
11:18
test in the country you live in
11:20
so Spain is saying if you haven't got
11:22
your applications in you may in theory
11:25
have to take a Spanish driving test
11:27
think you can do it in English but how
11:29
many people when you've been driving for
11:31
20-30 years going to be having to do the
11:33
theory and having to do a driving test
11:35
again because you picked up bad habits
11:37
and in Spain they drive weirdly anyway
11:39
because when they go around around about
11:40
doesn't matter what lame they're in
11:41
they'll cut across you and carry on
11:43
going around anyway you know there's
11:44
some weird rules here so make sure
11:46
you've got that if you're applying for
11:48
residencia remember you've got to have
11:51
healthcare okay you've got to be on the
11:54
paid Ron and you've got to have proof of
11:58
income I know Daniel was swamped with
12:02
people but some people have been
12:03
speaking to have got very quick
12:05
appointments and managed to get the
12:06
residencia it's best to have it we've
12:08
all got the little green credit card
12:10
size at the moment or some of us still
12:12
got the big a for if there is a no deal
12:15
or a hard Britta suit or even the Brits
12:16
that we may have to chose change those
12:18
again to one with our pictures on or
12:20
find out and if you have any questions
12:22
about Brett's it there are some seminars
12:24
taking place in February which I've been
12:27
invited along their money they're set up
12:28
by the Citizens Advice bureaux so
12:31
they're completely impartial they know
12:32
all the best information sixth and
12:35
seventh there down south from the
12:38
coastal area and then on the following
12:42
week I think it's the tenth and eleventh
12:44
is at the Thursday and Friday
12:45
now that's the Monday and Tuesday the
12:46
night oh yeah yeah so that's in Altair
12:48
and the power gone how are you and if
12:50
you're not sure I know by radio I've got
12:53
the details or you can always phone the
12:54
black tower office which is 965 oh five
12:57
eight two one two to reserve your place
12:59
please do reserve your place because I
13:01
know the one in casada and the one in
13:03
lasagne were nearly full and so heavier
13:07
and LTO we're filling up very very
13:09
quickly and obviously there's a limited
13:11
number of seats there can be some people
13:13
standing but obviously it's a limit to
13:15
how many people you can fit in a room
13:16
and the Citizens Advice bureaux we'll go
13:18
through everything and obviously we'll
13:20
have had the
13:21
thirty-first will have gone so we will
13:23
know most of what you need to do most of
13:26
us gonna have be happening it can be a
13:29
fit and also I'll be there because
13:30
depending on what a group type of
13:31
agreement we come up with it could be
13:33
affecting people's investments and I'll
13:36
go into that later what it all mean is
13:38
that if there is no financial agreement
13:41
so companies is extra can't possible
13:43
into Europe certain funds will no longer
13:45
be accessible and people will have to
13:47
switch funds within their portfolios
13:50
we're waiting to see also certain
13:52
companies passport rights in from
13:54
Gibraltar which I know the majority do
13:56
Blacktail do as well you won't be able
13:58
to anymore if there's no financial
13:59
agreement blacks are very lucky in that
14:02
we can use Cyprus on water as well for
14:04
so for our clients
14:05
there'll be no change so this is where
14:07
if you believe if you've got your
14:09
financial advice with a big company that
14:12
deals across the whole of Europe that's
14:14
got representatives across the whole of
14:15
Europe the UK Americas you will see no
14:17
difference in whatever happens with
14:19
Brits it there'll be a smooth transition
14:21
if you with smaller companies that maybe
14:23
one or two people
14:24
we're completely independent as they are
14:26
but they will find it difficult we've
14:29
got the knowledge and expertise to make
14:30
sure that our clients do not suffer at
14:33
all we press it if we have to switch
14:35
funds we will most of the funds in the
14:37
UK have set up funds in the EU in IVA
14:39
Luxembourg or Ireland
14:40
so there won't be there much of a
14:42
difference so you've got to be wary so
14:44
if you if you are unsure of anything
14:46
please come along to either of those
14:47
sessions as I said there's four of them
14:49
there'll be a variety of people that you
14:51
can talk to and ask questions from and
14:54
you will get completely impartial advice
14:56
by radio I know give the details during
14:59
the day and I think it's advertising
15:01
quite a lot the free papers and it will
15:03
be on the Blacktail website as well
15:05
I'll make sure it was there the other
15:07
day I'll just make sure it's easy to
15:09
find next Thursday and Friday those
15:12
start sending back to our friend
15:16
woodford what's the latest this rumbles
15:19
on then well it hopefully by the end
15:21
this week could all be done dusted by
15:24
the end of this week people are meant to
15:25
learn what the return they're going to
15:26
get on their investment the
15:27
administrators are winding it all up at
15:30
the moment it looks like the likely
15:31
losses are going between thirty and
15:33
fifty percent
15:34
this was the fellow that went solo it
15:38
was a the best fund manager in the world
15:42
invested in in liquid companies
15:44
basically investing the startup
15:46
companies that weren't traded on the
15:47
stock market obviously when things got
15:51
tough he couldn't liquidate the
15:52
positions he carried on charging people
15:54
even though he suspended the fund so he
15:57
rates him millions in fees which was
15:59
absolutely criminal and I'm sorry if the
16:01
FCA had any teeth to toll they should
16:04
have stopped that straight away that's
16:05
where they let investors down and
16:07
regulators always let investors down I'm
16:09
sorry no matter what people say they're
16:11
always on the side of these people who
16:13
were multi-millions anyway he's been
16:15
sacked he's been tossed aside hopefully
16:17
or lose everything anyone realized what
16:19
it's like to be a normal individual who
16:21
trusts someone and then they literally
16:23
don't care but it looks like they could
16:25
lose between 30 and 50 percent of what
16:27
they've invested it could be more which
16:29
is very very sad and what's happened is
16:32
some of the platforms in the UK like
16:35
Hargreaves Lansdown Sint James's place
16:37
they have a boy list or they have funds
16:39
they recommend and Woodford was always
16:42
at the top Woodford would root for
16:44
difference so people who are not
16:46
experienced in the market read that and
16:48
thought oh my god we must get into
16:50
Woodford so they're very unhappy with
16:52
Hargreaves Lansdown some of them are
16:53
deciding where they're going to take it
16:55
to further take it to court or they've
16:57
already reported it to the regulators
16:58
because they feel that even though it's
17:01
not meant to be advice it's tantamount
17:02
to advice if you know someone's
17:04
promoting a fund very heavily they're
17:06
the platform provider you're can oh you
17:08
know you're gonna listen to them they
17:10
you know if they give you good reviews
17:12
there needs to be more disclaimers on
17:15
things and I think they have to be more
17:16
careful because those are huge amount of
17:18
people that put you know 100 percent of
17:21
their savings into one fund which you
17:23
know for a financial advisors point of
17:24
view it is not on you know you just
17:27
wouldn't a portfolio yes but not a fund
17:30
so these people yes you will know by the
17:33
end of this week what their losses are
17:36
no I bet he doesn't don't know where
17:37
he's based bit up but he isn't living
17:39
with in Kent County Council Sir
17:43
Christina Brady in from black tower
17:45
financial management
17:47
it's just get around to one or two bits
17:48
of blue send and drying up see where
17:50
we're at Cersei seems steadies come back
17:52
up a little bit something a little bit
17:54
of a drop early on and the exchange rate
17:56
which we're just over 118 for the euro
17:59
to Sterling at the moment I got a bit
18:00
excited I think on Monday went up
18:01
towards 1:19 it did and it's been
18:03
affected because in the UK they're not
18:05
sure if they're going to vote for a rate
18:07
cut next week or not when they meets at
18:09
the Bank of England seems 50/50 we did
18:11
seem quite sure that they weren't gonna
18:13
do a rate cut but now with everything
18:15
that's been happening in China they did
18:17
three so it seems that it's split 50%
18:19
once a rate cut 50% don't
18:21
so until is that's sorted we're gonna
18:24
see them the exchange rate may be full a
18:27
bit I did see the speculation babe it's
18:29
another one if the committee there came
18:30
on board and in in favor of and that
18:35
would just take interest rates down 0.75
18:38
to 0.5
18:39
basically savers have been wealth
18:42
they've just i canti can't say the word
18:44
I'm not allowed to on air but they have
18:47
lost out for the last 10 years or so
18:51
people are holding money in their bank
18:53
accounts or just losing money day after
18:55
day because they're getting no interest
18:57
inflation is going up so actually the
18:59
buying power of your money is falling
19:00
and if these people would just take a
19:02
little bit of risk can't seem to a
19:04
regulated independent financial adviser
19:06
like ourselves done an investment they
19:08
could have been getting growth on a low
19:10
risky investment over that whole period
19:12
of at least 3% a year after fees so
19:15
people I know you need to keep a certain
19:16
amount in cash as a contingency fund but
19:19
you know you've really got to bite the
19:21
bullet you've got to take that that step
19:24
and make an investment because otherwise
19:26
you are losing money day after day and I
19:29
say this to people and most people do
19:30
listen I've had lots of people in
19:32
they're very very happy if they're low
19:34
risk and the you know if you're higher
19:35
risk of so you can get double-digit
19:37
growth but you could get less than that
19:39
you could have full but please come and
19:41
see us and while I'm talking to you if
19:43
you live in Spain
19:44
remember Modelo 720 what you may ask is
19:49
that that is the asset declaration in
19:51
Spain if you have any assets outside
19:54
Spain but total more than 50
19:56
thousand euros as at the 31st December
19:59
2019 you need to report them on a more
20:02
Dillo 720 by the end of March and it's
20:05
three categories the first category is
20:07
bank accounts deposit accounts so if you
20:09
have four bank accounts and each of
20:11
them's got say twelve thousand pounds in
20:13
you total them up that comes to more
20:15
than fifty thousand euros you have to
20:17
report every single bank account if
20:19
you've got joint bank accounts you can't
20:21
split it in half and say of the 12 each
20:23
you had six now the Spanish treaty is
20:25
you've got 12 each you both report and
20:28
then they split it in half once you've
20:29
reported it so the first one is you bank
20:31
out second takes in pensions investments
20:34
life policies so if you've got anything
20:37
that equals over 50,000 euros in value
20:40
not in payments from your pension it's
20:42
the value of the pension pot and if you
20:43
can access it they need to report it and
20:46
third is property abroad so you've got
20:48
any rental property if you've got
20:49
anything outside of Spain and your
20:51
resident this is only applies to Spanish
20:53
tax residents or residents in Spain if
20:55
your resident in Spain you are tax
20:58
resident okay and once we have brett's
21:01
it if you're not resident you will only
21:03
be allowed to stay in a 90 days in 180
21:06
it's not 180 and 360 so you have to be
21:08
very very careful and the Spanish will
21:10
clamp down once Britax happened so if
21:12
you are resident here tax resident here
21:14
remember look at that and report it on
21:17
your modernism 20 the EU people say all
21:19
the EU ruled the Madonna 720 was illegal
21:22
no they didn't they ruled that the fines
21:24
were disproportionate to the crime so
21:27
what they have said is that Spain needs
21:29
to reduce the fines are not reported or
21:32
reported incorrectly in line with other
21:33
fires for taxation from when you don't
21:36
report correctly which are hundreds
21:37
whereas with the model of seven twenty
21:39
thousand so people aren't being fined at
21:42
the moment or if they are they're not
21:43
paying them till this has been sorted
21:44
out but please if you are in those
21:47
categories talk to your history or
21:49
accountant make sure you're fully aware
21:51
if you need to report you don't need to
21:54
report if you've already reported you
21:56
don't need to do each year it's not
21:57
something you need to do each year once
21:59
it's done it's done you only have to
22:01
redo it if you sell an asset completely
22:03
or the value of one SI or any asset goes
22:06
at 120 thousand euros so once you've
22:08
done it unless that
22:09
you don't have to worry about it here on
22:11
you and if you have investments which
22:14
are called Spanish tax compliant you
22:15
don't need to report those because they
22:18
are reported by the provider on your
22:20
behalf so if you have a Spanish
22:22
compliant investment you don't need to
22:23
worry however if you have a pension like
22:25
urops or a sip or private pensions
22:28
personal pictures not your state pension
22:29
you need to report those and you need to
22:32
get the values as at the 31st December
22:34
2019 if you have any queries you know
22:37
talk to your history or accountant or if
22:40
you've got a financial advisor talk to
22:41
them that's the bit where I sit back
22:43
easy in my chair because as soon as you
22:44
say if you have any assets and you don't
22:46
even need to go to the value no it
22:47
doesn't include me if you are confused
22:51
by that you have any questions you can
22:52
always email me its info at black tower
22:55
fm that stands for financial management
22:57
calm or you can do CB @ find out at
23:01
black tower FM comm you can always call
23:03
the office in Spain which is nine six
23:06
five zero five eight two one two
23:08
you don't grace go to black tower
23:10
website which is black tower FM
23:12
financial management comm and if you
23:14
look under locations go to Costa Blanca
23:16
and you'll find my details if you do
23:18
send an email put for the attention of
23:20
Christina just put you heard me on Bay
23:21
radio doesn't matter where you live in
23:23
Spain Canaries wherever you'll come from
23:25
France across Europe
23:26
I will then look at it if I can deal
23:29
with it I will if not I'll pass it on to
23:30
the best person to deal with it for you
23:32
and I will usually come back to you
23:33
within 24 to 48 hours and if you can't
23:37
remember that just get in touch with
23:38
studio at Bay radio dot F M remember
23:42
after 25 years you mentioned looking for
23:47
alternatives to leaving your money in
23:48
the bank Bell and it's for one or two
23:50
people it may seem a little bit sort of
23:51
complicated foreboding but yes we do all
23:56
the work and every product we sell you
23:58
gives you that everything in simple
24:01
plain English we don't use jargon that's
24:04
one thing I'm very proud of saying at
24:06
black tower my team it's not just me
24:07
there's six of us we are all here and we
24:10
will explain it to you so you understand
24:12
it and only when you understand it well
24:14
your art will you move forward you ask
24:17
as many questions you've you want the
24:18
more question you ask the better I feel
24:20
because it means you've been listening
24:21
quite well the EVs is
24:23
talk about not using jargon of trust
24:24
nothing of my bingo checklist it's a few
24:27
words now hedge funds patrol vegetable
24:29
drawdown that's the piece Els listening
24:33
and exceeding expectations for over 31
24:36
years like tower financial management
24:39
the team you want by your side visit
24:41
black tower fm calm
#Investing
#World News