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Christina Brady from Blacktower Financial Management - Tue 28th Jan 2020
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Jan 13, 2025
Christina Brady's fortnightly chat with Moody at breakfast. This week covering Brexit and the Modelo 720 amongst other issues.
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we specialize in protecting preserving
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and growing your wealth black tower
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financial management the team you want
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by your side is it black tower FM comm
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this is Bay radio then who only welcome
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to Tuesday and as I say a Tuesday
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delighted to welcome back Christina
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Brady from black tower Financial
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Management lucky to have you for this
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hour whenever you can make it an usually
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every fortnight it is and what do you
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want to I said where should we start and
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you decided you want to talk about the
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coronavirus it was between that and
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Brits it and I thought which one's the
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least deadly yeah we're seeing this
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morning possible if there's some summer
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the papers are using the word outbreak
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but one case possible in Torrevieja
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they've gone for the tests anyway we
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were saying all the tests in UK have
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come back negative so you know if you
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get a bad sniffle or a cold or you if
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you've got something like that and you
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say you've been to China they're
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automatically going to quarantine you
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and put you in you know and do all the
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tests
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well that's Brits though isn't it soon
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as you get a sniffle that's it I've
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definitely got coronavirus after the
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doctors all came back but this is an
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Icelandic tourist apparently who had
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been in walk on itself now you see then
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that is worrying you have to be very
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careful and obviously it seems really
1:08
weird but this does and it has affected
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the stock market really yes it has
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we saw a drop yesterday of over two
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percent it has come back slightly stay
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where naira
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7 4 to 8 which is a tiny rebound and
1:22
it's um it's because of the coronavirus
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the effect of it because what its gonna
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do is it's gonna affect travel companies
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Airlines actually there already was it
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was an almost immediate knock-on effect
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on tourism yeah and if you look at also
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one of the countries that gonna suffer
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the most it's gonna be Australia because
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a huge amount of his tourist industry
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comes from China there were a million
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visitors a year and they spent AXI
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billion I think it's for nearly 20
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billion a year in Australia and they're
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not coming and I remember when I went
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early last year we were in Sydney and in
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all the high-end stores that lots of
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Chinese they were in Gucci Chanel Dior
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and they weren't buying just one handbag
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they were bowing like ten at a time you
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ever got spending power they had really
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big spending power so it's any
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Australian economy is already faltering
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so this could tip that over the edge so
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that's one thing to look at
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so you've got holiday companies you've
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got travel companies and it's not just
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gonna fit the ones in the you know Asia
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it's going to affect across the world
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because obviously the airlines operate
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across the world
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um it's going so that's gonna affect
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your investments because the stock
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market's going to get a bit touchy about
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what's happening and it could affect
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currencies as well and it's it's a weird
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thing it's that you know usually if
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you're gonna have a flu outbreak or
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something like this is usually October
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November usually now things are dying
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off so we'll have to wait and see in it
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being in China you don't really know how
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bad it is they're saying officially a
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hundred have died but it could be a
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thousand said according to state to
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media yeah you know state media in China
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has always been economical with the
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truth sorry China but you have and you
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don't really know and you don't know if
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it's just you know concentrated in that
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area or as it spreads to another area
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and I think the fact that maybe people
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feel that everything hasn't been
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disclosed is adding to the fear as well
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and as you said people get a sniffle
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that's not so bad when they start to get
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a fever and you know their breathing is
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short of breath in and they've it's you
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know it may be silly but if they've been
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to China or they've been to Asia they
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will worry
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yeah well that's fast understandable but
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so yeah it's nothing wrong we getting
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tested I suppose getting it
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what are you pens you know if you've got
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hundreds and hundreds of people turning
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up it's a waste of resources if there's
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nothing wrong with them yeah just don't
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care for that too much no but if you
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have got a real good case like you said
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in Torrevieja you know you've been to
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the area you feeling unwell they will
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test you and one of the things they're
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saying in China is I haven't got the
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resources haven't got the testing quit
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kids haven't got the quarantine so it's
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very difficult to contain something when
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you haven't got the resources you need
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to do that and there is spin I think
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it's been the gates been closed too late
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I think that's what happens with most
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things people knew about it and they
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associated special governments and they
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thought oh no we're okay but you know
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what it's like on a plane they recycle
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the air if someone on that plane has got
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it there's a likelihood at least 50% of
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the pilot people on that plane are gonna
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get it because they that was pumping
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fresh air they're not going to open the
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windows on a plane well they might to
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suck you all out as always oh and
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there's a big story have a dramatic
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there's somebody
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benefiting from it and it's the
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manufacturer of the mask sold out they
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keep selling out can't get them for love
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nor money I know well the thing is it
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depends you know obviously the masks
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yeah good idea but who says it's just
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passed by that I know it's meant to be
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through the air but it may be by
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touching you don't know it's always
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coughed and they put their hand on a
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rail like germs there you touch that
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germ you know that doesn't matter if
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you've got a mask on when you take the
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mask off unless you're gonna wash your
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hands completely you know all the time
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it's very very difficult to contain
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viruses anyone this is as we know in
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hospitals you know when they get break
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out of a mrs a or whatever in the
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hospital or something you know when they
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have the upset tummy bugs it's very
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difficult to contain it because hygiene
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is paramount so I'll have to wait and
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see with that hopefully it will be
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contained I guess some take care when
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you're going through the air pie it's
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like I've got some sort of disorder like
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the component now it's opening things
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with the little folder when you go to
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the toilet I always get a bit of toilet
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paper to open the doors because I'm not
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being funny but there's still a huge
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majority of people that go to the toilet
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and still don't wash their hands and
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also you've been to the toilet you're
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coming out but you can't wash your hands
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in the toilet so you've got a dirty hand
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anyway to open the door yeah this the
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world yeah a little gel with you but so
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you know when you get on the bus when
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you come off the plane hold it hanging
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onto the bar that I put my arm regular
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so don't grab it with your hand you have
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to do and if you are a cruise ship you
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know they've always got the sanitizers
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everywhere because things do pass
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quickly between people we need a closed
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environment so obviously people be
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careful it has effective Chinese
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obviously tourism if we had the Chinese
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New Year yes I know it's hardly any
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Chinese out celebrating right even the
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Great Wall of China certain parts were
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closed off they were trying to contain
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it because if you get groups of people
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together you know breeding ground so
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really I think we'll see how what
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happens in the next month Eva it's going
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to take off or else it's just gonna die
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a death and you know that'll be it a
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hundred maybe you know a couple of
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hundred dead but if you think a hundred
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people are panicking but in Africa you
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have these outbreaks of Ebola and you
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know these sort of diseases and
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thousands upon thousands are dying but
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it's because you don't have that much
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tourism in these rural areas in Africa
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people don't panic but it's still each
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life should be worth the same and it
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seems we're getting more on this because
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it could affect the West whereas if
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you've got places like Africa it doesn't
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affect the West so it doesn't get in the
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news so much course yes they don't like
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to think about their horrible situation
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it's I did see some figures out of China
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of just in the last couple of weeks
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slight fall in the sort of economic
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figures well it was before all of this
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something is there economic output but
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it was still like 6.1 percent which
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other countries would dream the point
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one percent yeah but no it will affect
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the growth obviously if it does take off
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and it does become a major thing it will
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affect growth in China which then it's
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gonna affect the global growth which
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thing could lead to countries which a
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teacher in on recession like Germany
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going into recession so we will have to
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wait and see it depends how big this
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gets it could have a big knock-on effect
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on our everything you know on food
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supplies everything Cristina Brady is
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back in from black tower financial
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measurement black tower FM comm we're at
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the 28th of January as if familiy date
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to you this is my daughter's 1818 man
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know if you listen or a cab but happy
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birthday Lauren sort something out later
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when they're actually be listening has
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been made to go to school today it's
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quite right to so yeah 28th of January
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ahead of the 31st of January there's
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another familiar date on the air now
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anyway brexit dates on Friday we get the
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transition period of course some until
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December 2020 it made me laugh in the
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papers history because you had the Irish
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Prime Minister Leo I can't say surname
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over oh yeah he was saying UK is it a
8:24
weak position post Brits it those are
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only one country what this chap forgot
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so to say to people is that the UK
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economy is equal to the economies of the
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18 smallest countries in the EU set up
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the 27 18 of those put them together and
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that still doesn't equal the UK economy
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so it's not just one country it's one
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country that's got a lot of power and I
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think Boris you know he's stuck to his
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word he signed the with door agreement
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obviously it wasn't headline using the
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page
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because they were all on the side of
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remain but there has been some good news
8:58
there was an announcement I think it was
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today or it could have been yesterday
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about expat pensions and health care yes
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the pensions that will get the rice rice
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so they've guaranteed that as long as
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you live in the EU and you're registered
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in EU so if you're not resident please
9:15
get residency but by December 2020 you
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will be guaranteed that rises in your UK
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state pension however if you come to
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anywhere in the uuugh after 2020
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December you will not okay your pinches
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will be frozen the same as they are in
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Australia Canada and New Zealand so it's
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imperative that if you live in the EU
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anywhere and you're getting a UK state
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pension that they know that you live in
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the EU and so therefore you will be
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guaranteed your rises which are very
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very valuable because if you think I
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think the the moments about 129 pounds a
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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
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huge huge difference also they've looked
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at health care and they're looking to
10:06
guarantee health care for people as well
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we've got the rest one so that will just
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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
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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
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paid Ron and you've got to have proof of
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income I know Daniel was swamped with
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people but some people have been
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speaking to have got very quick
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appointments and managed to get the
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residencia it's best to have it we've
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all got the little green credit card
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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
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again to one with our pictures on or
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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
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invited along their money they're set up
12:28
by the Citizens Advice bureaux so
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they're completely impartial they know
12:32
all the best information sixth and
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seventh there down south from the
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coastal area and then on the following
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week I think it's the tenth and eleventh
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is at the Thursday and Friday
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now that's the Monday and Tuesday the
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night oh yeah yeah so that's in Altair
12:48
and the power gone how are you and if
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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
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please do reserve your place because I
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know the one in casada and the one in
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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
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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
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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
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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
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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
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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
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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
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