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Expat Financial Planning Solutions

Providing Clarity For Investors Since 1985
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Expat Financial Planning Blogs

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Our financial planning blogs are designed exclusively for expats

Our blog site is designed exclusively to inform on issues that relate to and impact expatriates around the globe.We cover a wealth of topics that include insurances - pensions - investments - estate planning and tax - all designed to keep you informed and up to date.

Three filters are provided to enable you to quickly find the information you seek - "Categories" - "Tags" & "Archive"

By subscribing to "Market Scope" you will also receive notifications of new blog posts as they are added.

Click here to sign-up now - its free and packed with information and ideas as to how best plan your financial well being.

If you would like to ask questions or discuss any issues that relate to any blog post we will be happy to address these with you.

Regards

CSM Ltd - Expat Financial Planning Blog Team

Blog Archive

Categories

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Archives


Estate planning for your digital assets

Digital assets are not nearly as easy to retrieve as physical assets

Further to an earlier blog post entitled 'Securing your digital assets' - another article , this time authored by the Drake University, takes the issue further.

What will happen to your Facebook account when you die?

What about all your photos shared on social media, your texts with loved ones, or documents on cloud-storage systems?

In just the two-year period from 2012 to 2014, humans produced more data than in all of human civilization before that – and the pace is only accelerating.

It’s not clear what people’s digital presences will look like in years to come, but it’s sure that an increasing number of people will be creating and accumulating growing reams of data until the day they die. But then what?

Will this market volatility sort the 'Wheat from the Chaff'?

Global equity markets have fallen and volatility has spiked. TAM ask if this will this sort the 'Wheat from the Chaff'?

For nine years we have enjoyed a steady, if not rampant, Bull market.

The disaster of 2008 seems long gone...and it is.

For almost six years now, it has been a story of almost unquenched, steady growth in financial assets and benign volatility.

Many investors have been lulled into an almost catatonic state of assuming consistent and steady gains, month after month.

Indeed, with equity markets constantly setting new highs with little or no drawdowns it is understandable why. But, as we all know, there is no such thing and markets will always be at the vagaries of buyers and sellers. The real world has returned...investment is simply not that easy!

Graham Briar a British national highlights the risks for foreigners living in Thailand without health or medical insurance.
graham-briar-pleas-for-surgery-funding

Graham Briar & partner plea for financial help for heart surgery

Graham Briar, a Thailand based video blogger has suffered a critical illness and urgently needs a triple heart bypass operation.

However with no medical insurance and not enough money to pay for surgery he finds himself in a nightmare situation in a Chiang Rai hospital.

Graham, who has been broadcasting about his current situation live on YouTube, says that doctors have told him surgery will cost at least half a million baht (USD 16,000) or as much as one million baht (USD32,000) - this needs to be paid upfront.

Watch and listen to Grahams plea for help …

Empty homes tax - a new budjet blow for landlords

Landlords face fresh blow with empty homes tax

Property investors face another hit from the Budget as empty homes could be hit by a 100 per cent council tax premium.

The move, announced by chancellor of the exchequer Philip Hammond during the 22 November 2017 Budget, has been described as "crippling" for buy-to-let investors.

Today Mr Hammond gave local councils the ability to increase the council tax premium on empty homes from 50 per cent to 100 per cent.

What is Co-Insurance ?

"What is co-insurance ?"

Understanding expat medical and travel insurance terminology is hugely important to ensure you fully understand and appreciate what is and more importantly what is not covered within a medical insurance contract.

We start this series of informational guidance blogs on the subject of 'co-insurance'.

In this particular blog we explain what 'co-insurance' is and how it is often integrated into both travel insurance policies and also fully featured expat medical insurance plans.

How to think internationally about wills

"Do you have a Will & is it up to date ?"


"Do you have a will, and is it up-to-date?" - Without a relevant will, it is difficult to plan clearly for life’s later events; and not even life’s self-confessed singletons are immune from such considerations.

It is a question we always ask, and we are surprised by the increasing regularity with which we come across a blank sheet or a will that is well past its sell-by-date.

The importance of a will

UK individuals without a valid will die intestate, which means the intestacy law will determine how and to whom the estate is distributed.

Interestingly, the assets do not always automatically go to the surviving spouse.

Passive Versus Active Investment Management

Passive versus Active Investment.
The game may have changed but the rules remain the same.

The four most expensive words in the English dictionary are ‘this time it’s different” was once famously quoted by Sir John Templeton.

Whilst poignant quotes are ten-a-penny, this particular quote by the founder of Templeton investments struck home, namely because we are now well into one of the longest and ‘most hated’ bull markets on record, as some like to call it.

The more time TAM sit at meetings discussing the trajectory of the world’s capital markets, the more we hear the phrase, “Well this time it’s different!” read our thoughts on this unprecedented environment.

Uncovering the opportunities in emerging market debt

Emerging Markets have performed well but is following the herd the right thing to do ?

You won’t find our investment strategy full to the brim with exotic risk and elaborate overweights, particularly in this environment.

Learn in this article why TAM Asset Management hold these views as seasoned discretionary fund managers.

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Further resources

Market Indicator - Momentum fund management provide insightful views on their belief of market direction
Video Updates - Watch and listen to our Discretionary Fund Manager (DFM) partner videos. The videos provide an insight to the managers thoughts and feelings in respect of market events alongside specific details on portfolio performance
Market Scope - e-newsletter - don't miss out on important market events - subscribe now its Free
Our Blog - Commentary and updates on market events - insurances - pensions - investments - taxation and all other issues related to expat financial planning