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happy to help, can you pm me or provide email address?

I'm pretty happy with my provider, can maybe introduce you, would need to know more about what you do

Thank you. Didn't know this text is available. i only have basic Spanish so need to use google translate using some key words in Spanish but does page 7 not cover it? Would you not be considered an employee of your own company in that new definition. The ministery itself tweeted about a...

As I mentioned we are talking about future changes to the Beckham Law . The current rules are for employees as I had mentioned in my earlier post in this thread. It's all wait and see and the devil might be in the detail but the ministry itself at least said they are planning to include digital...

Yes I read this as well. But the headache issues with regard to Spanish tax are related to normal resident status. If you can get in the future the 'Beckham Law' treatment i.e. a 5 year non-resident treatment as a digital nomad entrepreneur working for your own company outside Spain, I think it...

I fully understand the scepticism but at first sight it could potentially be interesting for digital nomads. This article seems to suggest they could open the door to be treated as a non-resident for up to 5 years as a digital nomad (i.e. akin to the current Beckham Law which now is not suitable...

i might be able to help.

Cyprus property titles delays have even contributed to poetry :) https://cyprus-mail.com/2021/03/28/a-poem-to-title-deeds-misdeeds/

In general building wealth in a safe way with property takes time indeed (20 years of more). If you can get rich with an internet startup in a short timespan that is a great. Not that many succeed but it's great to be ambitious and reach for the stars.

It's not for everyone and you need to be willing to invest time. To be successful in real estate you need to manage it as a business. But it's by far the asset class/business that has created the most millionaires in the world (see also 90% of the World's Millionaires Do This to Create Wealth)

Yes very true. Also as an investment real estate is very different to other asset classes: you can enjoy it (i.e. live in it) whereas bonds and equities you can just look at, add value (renovations, create extra rooms,...) as well as receive inflation-linked income (rent) from it. It's also the...

Sure human psychology is always the weak factor. Do you know the study where they went through the client portfolios of a big bank to see who got the best returns? They discovered there was a specific segment of clients that did better than all the others... they seemed to have discovered the...

We were offered a place at Verdala for 11th grade for next school year for our daughter. It's an IB school, you cannot compare an international school to a British curriculum school. Unless you're planning on studying in the UK later (which has now kind of disappeared as an option for EU...

You have a certain investment view about about the current state of financial markets which might be right or wrong but that's a different topic. I'm not saying you should go in all stocks at the moment. I actually share your fear about where the zero interest rates and high debt levels will...

I lived in Cyprus from 2003 to 2008 and planning to move to Malta this summer. Guess we will find out but feedback we got from people living in Malta is quite positive. It looks like it's a bit more advanced than Cyprus in terms of economy and with English an official language it's easier to...

No it has nothing to do with interest rates but everything with efficient markets. I'm active in 'real estate picking' and the real estate market is inefficient allowing you to find deals below market value but not stocks that are traded every millisecond. Everything is in the price and you're...

This is very true indeed. Not only hedge funds managers, normal asset managers are no better: 99% of funds do not outperform the index net of fees over a long enough period. Also don't forget the practice of asset managers to close/merge the non performing funds to improve the stats.

They did not lose their money but it took a while. With a brokerage account you have no credit risk on the securities who are merely in custody at the broker/bank but you can always have fraud.

I checked Bank of Cypus fee schedule and there seems to be a 50 eur/month fixed fee, a 20 eur/month fee if you do <4 transactions, a 25 Eur fee for each 1-5K outgoing SEPA payment to other legal entities, plus fees on inward transfers. And that is if in Euro; otherwise it's a lot more. Combined...

There are ways to mitigate the title deed risk but it remains a risk to buy without title deed. You rely on the developer to obtain a certificate of approval for the work he has done. Whether he gets it or not is a factor beyond your control as it's sufficient that after having sold your house...