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⚠ Taking a Lump Sum From Your PENSION Pot? Watch This Before You Do and Avoid Any Taxation Issues
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Oct 29, 2024
Christina Brady from @blacktowerfinancialmanagem7049 joined Kal again this week to discuss the current state of the markets, and why it might be a good time to invest (unless it's in Electric Vehicles...) but also how to invest a lump sum of your pension pot with minimal tax exposure...especially in Spain. Hear Christina every other Thursday with with Kal at 16:00 CET For any enquiries contact info@blacktowerfm FAO Christina or get in touch through the website: www.blacktowerfm.com Be sure to Like and Subscribe to our YouTube channel for more info and insights from BayRadio Spain, and follow us on Social Media: Website: http://www.bayradio.fm/ Facebook: https://www.facebook.com/BayRadioInSpain Instagram: https://www.instagram.com/bayradiospain/
View Video Transcript
0:00
joining us on the line let's talk all things business and finances Christina Brady from Blacktown financial
0:05
management nice to speak to you how you doing I'm fine how are you not too bad but not go on the markets at the moment
0:12
things are a little bit um well flat I think is the way that we uh uh say it in in money terms isn't it it is completely
0:19
FL it has been for a while now um yeah there's not much going on I think they're waiting for the rate decisions I
0:27
know the ECB has already made their decision they cut rates by 0.5% to
0:32
3.5 um the reason for that isn't because everything's going swimmingly it's because they're worried that things
0:38
aren't going swimmingly August has the well they're saying the inflation is down to 2.2% Across the Euro Zone
0:45
however growth is sluggish and if you look at the main um country within the Euro Zone
0:51
Germany well that is just not looking good you know more bad news from there today as well I think business sentiment
0:58
I think was 11 months low um you know
1:03
basically the economic outlock is worsening across German Industries it's not getting any better um you know any
1:11
Improvement is just fading it's just not getting any better at all so they're hoping by reducing interest rates that
1:18
that will help stimulate the economy but it's it's the lowest since October 23 it
1:24
really isn't and it's just not across uh Germany it's hitting the whole Euro Zone
1:29
you know people aren't feeling that positive I think in Germany as well we've got the automotive um a yeah the
1:35
automotive sector which is has huge problems what's happened is obviously
1:40
the EU is trying to force everyone to go towards EVS it's not the way forward and basically most of the main manufacturers
1:48
especially in Germany and Italy have suspended or said they won't meet their EV targets you've got fear which is just
1:54
suspended its production of its electric 500 vehicle due to a SL a really steep
2:00
Dro in demand um you've got ason Martin That's delayed launch of its first ever EV due to no demand uh you've got v v
2:09
which has reduced its ev4 cost and abandon its plans to go electric by the end of the decade same for Ford same for
2:15
General Motors Toyota as well Renault says it's the same Mercedes and you get
2:22
headlines saying you know it looks like 24% of the market is going to be EV you knew I was going to go there I mean
2:28
that's according to the transport an environment group um yes exactly cuz they want people to believe the EVS are
2:34
the way to go but basically you know if you see um the the year to date the top
2:40
four German car makers have seen double digit declines Mercedes-Benz is down 10%
2:45
Porsche has dropped by 15% Volkswagen 177% and BMW has plunged by 28% and
2:54
they're all German companies of course they are so they're all saying they're going to have to cut jobs they're going to have to close factories something
3:00
that Volkswagen for the German economy they've never done it have they Volkswagen closed a factory no they are
3:05
now unprecedented I think hybrids hybrids are still very popular I think they are very good I've got uh an Audi
3:13
and it's got a small electric battery and I must admit my petrol consumption is hugely less than it was when I had my
3:21
Mazda um but I think there are other ways to go we've got you know obviously
3:26
gas water and if you look at what the car manufacturers are doing you can see
3:31
how bad it really is no matter how much they'd like to paint a good picture and as we know Germany was a manufacturing
3:38
Hub of Europe and especially with cars I on the on the secondhand uh car market
3:45
EVS full EVS now are actually really quite um well what's the word affordable
3:50
you can get them for nothing yeah back to the markets then so a survey uh out
3:55
today from the Bank of America says that Germany is the most unloved stock market in Europe it just goes from bad to worse
4:02
uh for Germany doesn't it but the uh survey also found that the UK Remains the most preferred Equity Market in
4:08
Europe uh post brexit down the line it's still doing all right I think Germany took over for a while though didn't it
4:14
as the main Market I don't think Germany ever did the UK the reason is is more established everyone knows the city of
4:20
London it's always been London New York um obviously Tokyo and Frankfurt was
4:25
trying to become you know similar and Paris but they they aren if you look at from my
4:31
perspective as a financial advisor you know advising on funds most of the best
4:37
forming funds are run out of the UK or the US um they it's just a fact of life
4:43
they've been going longer they've got a better track record so stronger currencies generally um it seems I'm not
4:49
Britain always but the dollar seems to be you know the one that runs the world
4:54
well to a certain extent yes I think they you know they are being challenged with that by China
5:00
thean and the ru the ruble not so much these days of course yeah and and you know they formed their own cartels with
5:06
regards to money as well I think the dollar the pound um all lost their value when they stopped being linked to the
5:12
gold gold basically gold standard I think that was the biggest mistake ever I think if they bought that back it
5:18
would sh up currencies and it would make the world a better place but that's another topic but as you said yes Germany is suffering the most at the
5:24
moment and that is not good and along with them also France France is suffering you know with had the uh
5:30
instability with no government macaron has announced the government people are still not happy um so if you look at the
5:38
markets they're flat but the ones that are going down the most nearly 1% of the CAC which is the French market and the
5:43
Dax which is the German Market um so we'll have to wait and see but Germany's
5:49
got more problems in you know in addition to problems political issues there as well manufacturing it's had a
5:54
huge influx of migrants they're not working it's putting a strain on the social system the same as we're seeing
6:00
across Europe well they've actually gone back to border check so shang's gotone out the window yeah and the thing that
6:06
worries me yeah they're closing their borders um so we have seen yet the shenen is gone out of the window I think
6:12
that's going to become a big problem because the EU wants to push that along with green issues and that's not going to happen uh so as I said we really
6:20
don't need this because the weaker Germany gets the weaker the Euro gets
6:26
some things seem to be doing quite well I mean post brexit the airlines doing really well uh Ryan a chief Michael O
6:32
who's never 5 minutes away from another headline uh talking about an upbeat assessment of business uh today and U
6:40
fairs will be materially lower than a year ago yeah believe that want to see it but EasyJet wizer also jumping uh
6:46
Ryan Air up 5.7% today uh they seem it's not post breit it's postco sorry I meant
6:52
I meant postco covid obviously everything took a dive um yes that should carry on obviously unless they
6:59
try to Force another pandemic on us they did try with monkey pox or empx as they called it but I think people understand
7:07
that the World Health Organization is not the person to be listened to although it's got most countries to sign
7:13
up to a treaty to say if they declare a pandemic they've got to agree to it but
7:18
yes have recovered very very well postco I must admit and I think because people
7:24
now want to travel they understand that you know that freedom could be taken away from them at any minutes so while
7:30
they can travel they are going to MH yeah there is a bit of um you issues
7:37
going on with Western nle fever but um the numbers are very very small at the moment um some good news from the US
7:44
today retail sales are beating forecast industrial output is up as well this all bodess well then perhaps for the uh news
7:52
from the FED preparing to cut interest rates I hope so and I hope the figures are correct because if you remember the
7:58
employment fingers looked very very very very Rosy to they admitted that they had
8:03
um overestimated the by 800,000 so it's only for a few months I
8:11
think we need more sustained growth more sustained and consistent but I think the
8:18
FED will reduce rates they have to uh people are being squeezed left right and
8:23
Center I would like to say the bank of England will as well however if you look
8:28
in you the we've had what Zer practically zero growth for the last two uh months uh
8:36
growth was at 3 something perc is now 0.2% England could easily dip into
8:42
recession and I think with what Labor's been saying about what it's going to do
8:47
the budget at the end of October we could see the UK go into recession and that is not a good thing
8:54
um you know there's little or no growth we've got the markets basically if you
8:59
were in England and you were making money from buy toet uh that market has
9:06
basically it's fallen through the floor um it's due to it's really started in
9:12
2016 when the rules were changed but you've got higher interest rates now you've got more tax and Regulatory
9:18
issues and it's basically it has fallen to a record low and this is leading
9:25
people to look outside the UK to buy properties to let out and it has led to
9:30
a bigger interest from UK individuals in Spain and France to buy properties to
9:36
let out and then hopefully they intend to move here when they retire if they can get a Visa at that time talking to
9:43
Christina Brady from Black Tower financial management this afternoon about the current state of the world's
9:49
economy really we're focusing on Europe and America before but uh news today
9:54
that the UK's debt Mountain will almost triple to more than 270% of national Inc over the next 50 years because of
10:00
pressures from an aging population the climate crisis and security risks the public finances Watchdog the OB the
10:08
office for Budget responsibility with that headline today it's just getting worse and worse isn't it it is it it's
10:15
just making me laugh um oh dear the thing that annoys me is in the
10:21
UK they could actually help reduce the debt they could stop giving so much
10:28
money away overseas and uh just postpone their climate initiative they're giving so much money
10:33
I think it's 6 billion away to other countries across the world to help with climate initiatives and the amount they
10:39
give away in foreign aid I would say not stop it all together just suspend it for five years all payments uh go through
10:47
the accounts if they gave me the accounts I'm sure I could go through them and tell them where they could save you know T and tens of billions uh
10:55
rather than cutting pensioners uh winter fuel outs would would only save one billion I could cut the perks they get
11:01
in the House of Lords I could cut the perks the MPS get uh you know civil servants get um and the way I would sell
11:09
it is you're taking a hit to make the country become you know less debt ridden
11:16
you are helping all the normal people in the country and then if they bit back and said we're going on strike we're not
11:21
happy with this I just produce the figures of how much they all earn how much they claim on expenses how much
11:27
would be saved if they just gave that up five 5 years and how much it would help you know the debt situation in the UK
11:33
we've always said that that you should have the uh the UK Chancellor's job or even the prime minister's job we come on
11:39
to Rachel Reeves in in a moment don't but that's just not going to happen is it because they all profit from it it's
11:44
all about power and money once you get into that position if you look at a two-tier starma you know we found out
11:52
his wife is getting free designer stuff with they get lots of gifts they it's
11:58
just ridiculous it's just a gravy time the very difficult to change once you're in it according to MPS that I've spoken
12:05
to um they you know go in with all the best intentions but to change from within which you would hope would be
12:11
what they could do it's it's pretty difficult um so what about that announcement then we now know 780,000 UK
12:17
pensioners entitled to uh the payment winter payment will uh lose it and this
12:22
on the back of last year all of these energy companies ripping pensioners off
12:28
by put in meters that they had to pay as you go uh and it's it just seems like
12:33
pensioners are an easy target they are labor thinks pensioners don't vote for
12:38
labor they are wrong uh so they're targeting people that they think no one's going to object to them targeted
12:45
to what they don't realize is they're on the verge of becoming pensioners as well um and I'm sure if any of them got
12:51
parents well most probably they're wealthy because they give them money but what annoys me is MPS get fuel
12:57
allowances have you looked into this they get I think it's up to 3,000 a year to cover
13:03
heating costs pensioners didn't get even that amount and if you think they're
13:08
saying that over this winter fuel costs in the UK uh for heating for things like
13:14
that could go up you double digits 20 30 40% it is absolutely ridiculous I I
13:22
don't and we're the laughing stock of the world I was listening to the US News and they were mentioning it how we were
13:28
picking on P how the UK was picking on pensioners it really really isn't good and on top of that you they're picking
13:34
on pensioners but then they're picking on non-doms so they said they were going to make lots of money out of non-doms most of them have now left the UK so
13:41
they're not going to get income there now they're looking at the middle upper middle classes or people who've got savings and they're saying what's going
13:48
to happen in the budget is leaving a lot of people to do knee-jerk reactions and for some people that is the worst thing
13:55
you can do so one of the things that's been talked about is if you have a pension in the UK you're allowed to take
14:01
25% tax free that was capped under the conservative government at just over
14:06
268,000 which means you had to have you know a pension pot of over a million the
14:11
rumor is that label will reduce that to 100,000 if that's the case will they
14:17
give people notice so they can do something or will they do it instantaneously we don't know are we worried about this might well happen by
14:23
the end of next month for instance they they're going to bring it in yet at the end of doctober they could bring in like
14:29
Osborne did just there and then if you are going to take your taxfree out of your lumpsum out of your pension all
14:35
well and good but please please have a plan for it don't just take it out and
14:41
leave it sitting in the bank account with low interest rate which means your money is actually losing out on
14:46
potential for further investment growth you can if you're in the UK and
14:51
you take some a cash lump some out of your pension if you haven't used your Isa allowance you could put 20,000 of it
14:57
in your Isa and as long as l lab doesn't stop the iser allowance uh going forward
15:02
and say for the next 5 years you can't add to your isers or if he reduces the
15:09
amount you can put in Isis you could put in another 20,000 next year but you have to remember is it a decent return from
15:16
an is is it is it a decent return from Isis probably better than the bank certainly well it depends what you're
15:22
going to do if you're going to put in a cash Isa no but if you're going to put it in an equity Isa which will be
15:28
similar to what where your pension would be invested in yes you can make money uh
15:33
but you have to make sure that whatever you do it is something that give you taxfree growth not something if you buy
15:39
stocks and shares normally if you make a gain or loss you have to declare that and pay tax each year with your pension
15:46
you invest you have a pension pot you don't have to pay tax each year you get compounded growth the same in Isa so
15:53
look at where you're going to put that money what you've got to do is you could take your taxfree lumps some and you
15:59
could say you're going to give it so to your family you're going to give them a gift the problem is if you do give a
16:07
gift you've got to leave for seven years or else they will pay tax and so
16:14
again and Al you've got to make sure you can afford to give that money away remember it's your pension money some
16:20
people are worried about their houses because they're worried about capital gains and not only capital gains but
16:25
inheritance tax uh inheritance ta tax could rise which means that some people
16:31
are considering handing their main asset which is their property over to their children in the hope that it won't be
16:37
counted for inheritance tax but if you if you still live there and you don't
16:43
pay a going rent you are seen as not having given it away okay so you don't
16:49
even if you live seven years they won't get it inheritance taxfree because the government was saying it was all a tax
16:55
avoidance scam and how would they know because you know who lives in that house
17:01
okay if you stay living in that house you will have to pay council tax you will have the bills coming out of your
17:06
account unless your children are going to pay everything but then they'll have to give up their own main residence if they have a house and say that's their
17:13
main residence so you've really really got to be careful you've got all the
17:18
legal costs of the transfer um you've got to pay rent you've got to seem to have a contract with them so be very
17:26
very careful also putting your your property in trust we don't know what they're going to do with trust again you
17:33
have to live for seven years if you're going to give it away if you don't you could get a tax bill and you could end
17:39
up achieving nothing Well Rachel Reeves did say that the budget at the end of next month will require difficult
17:45
decisions on tax on spending and on welfare pretty much everywhere I guess everywhere except MP's pay obviously um
17:53
but you've got some people have been fing me saying look we want to take out Equity release and I've had some people
17:58
from the UK F me who who know me and say what about Equity release Equity release
18:05
wo schemes are very expensive they come with upfront charges they've got interest that rolls up and it needs to
18:12
be repaid on death and if you don't live after seven years after giving a gift if you give some of your money away most of
18:19
it will be come back into your estate and these costs may end up meaning that you achieve little by giving away your
18:25
property you have to be very very very very careful about what you're going to do the premum always look a little bit
18:31
worrying for me on those Equity release plans I've not seen one way I never ever have agreed with them I've never ever
18:37
sold them I will never sell them I've heard too many people losing everything through it there's nothing left at the
18:43
end and they've spent most of the equity lease money doing up their property which is no longer there so
18:50
they get a new kitchen new bathroom have an extension that property is no longer theirs on death it's sold to repay their
18:58
Equity Rel and any cash left over in theory goes to the family so you have to be very very careful they're saying
19:05
capital gains capital gains could go up again be careful some people might sell
19:10
stuff now thinking that they will avoid capital gains but where are you going to put that money what are you going to do
19:17
with it you've got to be very very careful so if you are thinking of making any sort of decisions make sure they're
19:23
right for me uh you know I have one friend in the UK who phoned me and they wanted they were worried they wanted to
19:29
take their tax-free amount uh because it would be over 100,000 and we discussed it for a long
19:36
while and I said only if you are going to put it in investment vehicle that you are not going to touch and you're still
19:42
going to treat as a pension also they raising the pension age so it was 55 uh
19:48
it would you know 57 it's going to go up all the time before you can touch your pensions and what you have to remember
19:53
is when you have a pension pot when you take money out it's treated as income so you pay income tax when you have an
20:00
investment when you take money out you cannot be taxed on the return of capital only the growth so therefore if you take
20:07
a 100,000 out of your pension and you put it into investment say you know you've led up your iser allowance and
20:13
then you start taking income from that say you take 10,000 a year and it's only growing by 5% you will only be taxed on
20:20
the gain element not the whole amount you take out so there is a huge difference with with regards to how much
20:26
tax you will pay on the money you take out of Pensions versus in Investments and people need to remember that as well
20:33
okay saying that in the UK I thought Financial advice was dearer in Europe oh
20:40
my God it's not I've had people phoning me from the UK saying look someone wants to give me advice on my pension they
20:46
want to charge me 3% someone's phoned up the upd and said 5% we charge depending
20:51
on how much these were large pensions so for a large pension we charge maybe 2% maximum and they wanted to charge 1% a
20:58
year to ser service it we charge usually if it's a large 1.5 up to 75 so actually
21:04
the charges in the UK at the moment if you're not careful are very high and of
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course since brexit there's that other thing to remember that not all UK companies can advise you if you're
21:16
living in Europe they can't advise you there's very few I don't haven't heard of hardly any that can advise you they
21:23
don't have the uh proper authority to be financial advisers or wealth management
21:29
advisors like Black Tower in countries in Europe and what it meant for Black Tower is we've had to get licenses in
21:35
every country we working and we had to move our head office from Gibralter to Cyprus which is part of the EU so we
21:42
could still work within the EU and it was a huge cost to Black Tower but we've done that so we can still service our
21:48
clients but we're lucky because we have an Army in the UK that is regulated in the UK we have an Army in the US that is
21:55
regulated in the US we've got Dubai we've got Australia so wherever Black Tower works we have the regulation in
22:01
those countries and if people you know are with us in Europe and they decide to go back to the UK they can always go to
22:08
our UK office we can give them that transition of service and you have to be careful that what you are getting is
22:14
advice that is applicable to the country you live in I know many people have tried to transfer their pensions and
22:20
they've been passed on to money helper helpl line or whatever is MoneyWise and they've said oh you can take 25% tax
22:26
free and then you can do BU in new do this this if you live outside the UK no
22:31
that is not the case if you live in Spain there is no tax-free amount well there is on the 30 you know you on if
22:38
the first amount you take out 30% can be taxfree but thereafter it's taxed so it's not all taxfree in France there are
22:45
limits as well so every country has different rules so if you speak to
22:50
someone who's only used to the UK you are getting improper advice and I would say to people who live in Spain France
22:57
anywhere in Europe who have left Assets in the UK like Investments if there isn't a big capital gain tax if you
23:04
close them down or move them I would suggest moving them outside of the UK Out Of Reach of the UK government and
23:11
putting them something that's tax efficient in the country you live in or there are things outside of the EU uh
23:17
that are still tax efficient they are not in any way seen as tax avoidance or
23:23
evasion they're you know they're in countries that are approved by the EU and you can get some good fixed rate
23:29
Capital guaranteed deposits with these countries and that is something people seriously need to consider a couple of
23:35
headlines on big companies today in technology Microsoft planning to uh a
23:40
new $60 billion buyback uh unicredit seeking ECB approval to potentially buy
23:47
up to 30% of Commerce Bank that comes amid the Hostile takeover I think is how
23:53
Christina labeled it of the sabadell bank by BB vaa and uh but some positive
24:01
news I I I think that drug makers uh betting billions of pounds that targeted radiation could become the next cancer
24:07
breakthrough as fisa is saying that it's experimental drug for the deadly condition that causes appetite and
24:12
weight loss in cancer patients is showing positive trial results now I know you're not that um happy about big
24:20
Farmer and the money that they make but those are some positive stories in cancer treatment they are I would rather
24:27
they just said they could C cancer but why would a pharmaceutical company want to do that it would mean no money for
24:33
them but anything that can ease the suffering of people who get cancer in my book is a is a good thing as long as the
24:39
side effects aren't worse than those that they're countering already uh we'll have to wait and see yeah that is good
24:45
news regarding sabadil and bbvv yes that would just mean there'll be one less Bank on the highest Street in Spain it
24:52
will be lead to job losses and Branch closures and customer service in Spanish
24:58
Banks isn't that good to say the least so that means it's
25:04
going to get even worse uh I know some people trying to get to into their Bank to see someone they have to book an
25:09
appointment and it's a complete nightmare let's see what happens but it is a hostile takeover uh sabadel are not
25:15
happy about it but it looks like we go ahead again with Commerce Bank the thing that's holding up there is Deutsche Bank
25:21
holds quite a large proportion of Commerce Bank as well uh and at one
25:26
point it was rumored they were going to take over Commerce Bank I don't know how The Regulators are
25:32
going to deal with that they're still looking at the the ECB still looking at that so so farmer U Banks and um big
25:39
Tech they still perhaps things where we could invest our money yes if you are an
25:45
investor all my investors at the moment inv invested in Tech um biotechnology
25:52
which includes Pharmaceuticals and even in the technology companies there are some pharmaceutical companies that got
25:58
bits in there H Banks not so I don't tend to uh invest anything that solely
26:05
invested in Banks because their stocks are so volatile but uh we'll have to
26:10
wait and see there banks have made money over the last few months with sabadel
26:15
and BBVA if you remember sabadel over took over cbank and it had a load of debt from them and a load of uh
26:23
properties that were repossessed so we'll have to wait and see if this but I
26:28
think you know BBVA are a very strong bank they will take over sabadil maybe
26:34
we'll see a change maybe it'll become a better Bank we'll have to wait and see
26:39
okay and um we just had heard from I said we know somebody who's uh working on photo voltaics to do with cars and uh
26:47
he's been in touch David the scientist from Italy he said there's about seven of them testing the TOA Prius with
26:52
battery and PV sunroof and AA as well but the final results of a year long
26:58
experiment due around Christmas and it's all open research so we'll get a copy of that he said uh we need less pollution
27:04
more solar and clean energy but there's not been quite enough long-term engineering rather than politicking I'd
27:09
love to see an EV Citron 2cv uh he said with a tiny battery and a a photov
27:15
voltaic sunroof and the Innovative backseat Dynamo pedals that you mentioned yeah I would I
27:22
think it it at the moment They are promoting things as being
27:28
environmentally friendly being good for everything in our world when they're not
27:34
uh obviously someone is making a lot of money out of it and it's all a smoke screen it's
27:41
actually worse than what we're replacing so anything like this would be a welcome addition to the market and let's see
27:47
where it goes let's hope they don't try and hide it like they've hidden all other technologies that could actually be good for us but they couldn't make
27:54
enough money from them so let's see what happens but as I said EV vehicles are not The Way Forward of the way they're
27:59
made at the moment the batteries are too environmentally damaging the way they're made is just is just well it's it's a
28:07
travesty that they have been promoted so widely by so many governments all right some of the places where we could put
28:13
our money then Christina um what could we do I think when people I think when
28:19
people invest you've got to understand what you want this money to do to for
28:25
you what you need this money to do and when you come and see if financial advisor we will ask you lots of questions we will work with you to give
28:32
something that suits your needs at blackt we're very lucky we can access
28:38
any products that are tax efficient in Spain and other ones outside Spain that maybe you have to report on a Modello
28:45
720 but will give you other benefits than a tax efficient one uh talking to a
28:50
financial advisor is the only way you'll know what's on offer and what's best for you when you see a financial advisor the
28:57
only thing I have to say is don't ever be rushed into any decisions don't feel pressurized to do anything always take
29:03
your time and look at what's on offer and read through it never ever just sign
29:09
something unless you've been with that financial advisor for a while I've got some clients that have been with me 14
29:15
years or more and they come to me for an investment I put together a proposal we'll talk through it they're happy to
29:21
sign up because they know they've been with me a long time and they've always been very very happy with the service we've given them and at the moment it's
29:27
a good time to invest the markets aren't too high uh if you'd invested in
29:33
September 23 you'd be doing absolutely brilliantly now if you invested in 22
29:38
early 23 then you're still not doing too well but there are things out there that can suit most people obviously there are
29:46
minimum investment amounts uh 25,000 minimum but even below there are some
29:53
interest paying bank accounts in the aisle of man that we can recommend if on a fixed term or an instant access and we
30:01
can give you the links and the contact person at these places to talk to so we
30:06
just don't only deal with products that we give you we can actually offer you Solutions outside where other people can
30:13
help you and obviously we don't benefit from that but it makes the client happy and that's at the end of the day the
30:19
client always has to come first okay can always always get in touch via our usual number 6844 584 on WhatsApp or Studio at
30:27
Bay radio FM or directly to Christina in the following ways yes you can email
30:33
info@ blow fm.com please put on there for the attention of Christina via Bay
30:38
radio and they come straight through to me if not you'll have someone phoning you who's like a filter um and it's much
30:44
easier if you come direct the last week most people have be coming direct to me and it's been much easier to answer their questions you can either go to our
30:51
website black toow FM uh.com and fill in a contact form you can look up the phone
30:57
number for the office uh obviously on the internet which is 9655 a212 you can go on to Bay radio
31:03
advertisers click on our logo and it will take you to our website uh every
31:09
anything else fails you can always email Studio bab radio.fm and they will pass
31:14
any inquiries on to me and remember we cover the whole of Spain it's not just the Costa blancet including the bolic
31:20
islands and the Canary Islands we're in France we're in Italy we're in the UK
31:25
we're in Portugal so if you have anyone listening in the US anyone listening who's got any Financial questions please
31:31
get in touch if I can't help you I'll post you on to the best person that can help you within Black Tower
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