ISSUE NO. 1418
6 - 12 SEPTEMBER 2012
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Traders battle to absorb VAT rises FED UP WITH PAYING TOO MUCH FOR YOUR MOBILE?
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MALLORCA businesses - in keeping with many throughout Spain - are doing their best to cushion clients from the latest VAT rises. With traders striving hard to survive the ongoing economic difficulties, some have said they do not plan to put up their prices. A restaurant owner one street back from the Puerto Pollensa beachfront - who asked not to be named - said he has not changed menu costs overall. “Increasing prices, even because of VAT rises, can put people off, and see them take their custom elsewhere,” he said. “Many fellow restaurateurs also appear to be keeping things as they are. There is plenty of competition, and visitors look at prices before choosing,” he remarked. Meanwhile, a trader in Andratx said she depended on loyal expatriate and Spanish clients mainly for business and so would not be increasing prices for fear of them seeking more competitive •Turn to Page 4
Expensive return to the classroom
FRONT EXTRA
€9m boost for jobs THE Mallorca hotel sector generated more than €9 million during 2011 and provided jobs for 65,510 people, a fifth of the island’s employment market.
Homes raided TWO men were arrested in Manacor in connection with burglaries at 18 country homes.
39 adopted THIRTY-NINE child-ren were adopted in Mallorca in the first six months of the year, including 16 Spanish and 23 foreigners, social institute IMAS data shows.
Drunk-driving SMILES ALL ROUND: But summer holidays are over, and it’s back to school.
IT’S back to school for millions of children next week. For parents the challenging aspect of family budgets has been faced in recent days, with one survey in Spain indicating backto-school costs range from €300-€700 per child in state schools, and more in private.
IN 77 police checks in Alcudia, Pollença, Sa Pobla, Muro, Santa Margalida and Buger over the summer, only two people were fined for drunk-driving.
Car destroyed SOLLER Mayor Carlos Simarro’s car was reportedly set on fire outside his home.
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Mallorca
Tragedy as father and son drown on holiday
INSIDE TODAY
News 1-10
Finance 11-18
Expat-Extra 19
Classified 42-43
Motoring/ Sport 47-48
TV listings 26
A BRITISH father and his sevenyear-old son drowned near the resort of Calas de Mallorca, on the south-east of the island. Holidaymaker George Selby was trying to rescue his son Louis after he had been swept out to sea in the small bay of Cala Antena beach. Lifeguards were alerted to the pair’s plight, but were unable to save the father and son. The family had arrived for a holiday in Mallorca two days earlier, and some media reports indicated that there are warning signs about swimming in the area. “My son George Selby died trying to save his son Louis Selby,” said Mrs Selby senior in a statement issued through the British Foreign Office. “George was passionate about his wife Abigail and their three sons. This tragedy that has befallen this family has devastated the lives of his wife, sons and mother.”
NEWS EXTRA
Highest rate HOTELS in Palma de Mallorca achieved €191.43 - the highest room rate revenue in Spain - in July. This was 3.3 per cent higher than July last year.
Self sacrifice AN animal activist has offered to be ‘tortured’ and ‘abused’ for the entertainment of others by personally replacing the bull in tomorrow’s (Friday) correbous in Fornalutx.
TRAGIC: Father and son drowned in the waters off Cala Antena beach near the resort of Calas de Mallorca. Meanwhile, a spokeswoman for the Foreign Office said: “We are aware of the tragic deaths of two British nationals in Mallorca on September 1.
“We are providing consular assistance to the family.” Reports suggest the family is from Hornchurch in Essex, with George Selby aged 28.
Fire starter A 29-YEAR-OLD woman was arrested for allegedly starting four fires in forest areas in Capdepera, two in June and two in August.
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Couple in €12m expat swindle jailed A COUPLE is now behind bars having swindled 120 Spanish expatriates out of £10 million (€12.6m). The fraud has left some of the expatriates penniless and without homes. John Hirst, aged 61, was sentenced at Bradford Crown Court in the UK to nine years after admitting conspiring to defraud and money laundering relating to a ‘Ponzi’ scheme targeting expatriates in
Mallorca. His wife Linda was sentenced to two-and-a-half-years for money laundering. The couple used the cash to fund a lavish lifestyle including expensive houses and luxury holidays plus wedding celebrations in Las Vegas and Mallorca, the court heard during the six-week trial. A third person, financial advisor Richard Pollett, aged 70, was found guilty of
conspiracy to defraud and was jailed for six-and-a-half years. Judge Durham-Hall said that those targeted were mainly ordinary, hardworking expatriates who put their pensions and savings into the scheme after being promised huge returns and a risk-free guarantee. Of the £10 million invested, only around £4 million has been repaid.
Big saving as workers face axe
N watch ews
Store evacuated A SUPERMARKET in Calle Eusebi Estada, Palma had to be evacuated after a van in the underground car park caught fire.
Jobless down THERE were 3,595 fewer jobless people in the Balearics last month than a year earlier, and 564 fewer than July. There are currently 74,960 people registered as unemployed, according to official statistics.
BINISSALEM Town Hall has approved plans to lay off four workers to save €100,000€120,000 next year.
Drug sentence A YOUNG man has been jailed for four-and-a-half years for receiving 680g of cocaine sent from Uruguay in some tobacco which he intended to sell in Mallorca.
Fugitive held A FUGITIVE wanted in his native Poland for alleged connections to a criminal group and fraud was arrested in Palma de Mallorca.
Hospital sale A MOROCCAN man was reportedly caught selling marijuana in the grounds of a hospital in Inca.
Drink charge A MAN has been arrested for allegedly drunk driving in Palma de Mallorca following an accident in which one person was injured.
Knife threat A 39-YEAR-OLD man was arrested for allegedly holding his mother at knifepoint to avoid being taken to jail in Palma after an arrest warrant was issued in Castilla La Mancha.
Heat easing
ALL ABOARD: Jet-setters should check out Tuesdays when they want to travel with an eye on cost.
Bonus for Tuesday travellers
I
F you want the cheapest airline tickets, then check out Tuesdays! In a consumer watchdog Which? survey into 1,174 flights within Europe with Ryanair, easyJet and British Airways, some Sunday flight costs soared 175 per cent compared to two days later. Flying from London Gatwick to Alicante with easyJet on a Tuesday on average saves 25 per cent compared to travelling on a Friday, the survey revealed.
Meanwhile the £100 (€125) cost of a Barcelona to Heathrow ticket with British Airways on Tuesdays leapt to £275 (€343) on a Sunday, while the £100 (€125) cost of a Heathrow to Barcelona ticket with British Airways on a Tuesday leapt to £150 (€187.5) by Friday and Saturday. Which? said: “People can save a significant sum if they can be flexible changing the day or time they choose to travel.”
All a matter of time when flying in Spain
Lack of action on local laws
PUNCTUALITY of arriving and departing planes from Palma de Mallorca in July was 72.2 per cent, which was 9 per cent better than the same month last year. Even so, the punctuality of flights across Spain is in many cases superior to those using Son Sant Joan airport, data has revealed. Gran Canaria’s airport had the best level with 85.4 per cent, up from last year’s 77.8 per cent. Alicante, Malaga, Barcelona and Madrid airports all had better punctuality than Mallorca. In the Balearic islands Menorca had the best punctuality with 83.7 per cent, with Ibiza’s record below Mallorca’s.
THE recently created Association for Community Spirit in Cala Rajada has complained again about the lack of council action to ensure residents and tourists comply with laws including closing times and cleaningup.
Quote of the week
‘
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Every day I think about coming home
Alexia Garcia, translator and interpreter with a degree from Alicante University, speaking about her decision to leave Spain and move to Holland in 2010 in search of work opportunities.
Number of the week
120,000
kilos of tomatoes were thrown into the streets of Buñol, Valencia in the town’s annual Tomatina Festival. Local councillor Rafael Pérez said despite the recession the same amount of tomatoes were used as in 2011.
AUGUST was one of the hottest in the last 30 years, though temperatures dropped 10ºC-11ºC two days before the month-end while daytime temperatures fell 9ºC-10ºC.
Bribery trial THE former president of the Balearics and Spanish Environment Minister Jaume Matas has been accused of bribery by Anticorruption Prosecutor Pedro Horrach, who is seeking a trial by jury.
Boat tragedy AN 11-year-old girl died after being hit by a boat carrying seven people off Menorca.
Clothes theft A WOMAN was arrested after allegedly stealing clothes from a shop in Calle Sindicat in Palma de Mallorca.
and finally... A MADRID comic shop has been named the best in the world. Arika Comics will receive the Eisner Prize for ‘best shop’ at the International Comics Convention in San Diego, US, next weekend, thereby becoming the first Spanish shop to receive the award.
NEWS
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Traders strive to not pass on VAT increase From Front Page prices elsewhere. “I am trying my best to absorb the increases
in VAT, otherwise loyal customers of many years might move elsewhere to shop in
BLOC PARTY took the Mallorca Rocks stage on Tuesday evening and entertained a young and international audience with their blend of indie rock. Next week at Mallorca Rocks sees the penultimate act of the season, New Order. For more information visit www.mallorcarocks. com
customers for the sake of a few cents in every euro. “Increasing prices, even because of VAT rises, can put people off,” she said. Meanwhile, supermarket giants Lidl and Mercadona have both announced that they will nationally not charge customers the VAT increase. Lidl said that thanks to their “business policies based on constant production improvements and cost reductions” the company will not have to pass on the VAT increases to consumers. Both companies said the added VAT costs would be taken from their margins to avoid affecting sales. Carrefour also plans to give VAT discounts to shoppers over 65. Phoenix Media Mallorca
Bloc Party rocks Mallorca
establishments that decide to keep to the old price rates. I cannot afford to lose local
ROCKING MALLORCA: Bloc Party.
BRITISH
PRESS
Stories making headlines from the United Kingdom
Valuable vomit A BOY found a piece of ambergris on a beach in Hengistbury Head, which is hardened sperm whale vomit and used for making expensive perfumes. It is thought to be valued at €50,000.
Medieval find A MAN uncovered a medieval sword and a 33-foot well beneath the living-room floor of the home he has lived in for 25 years in Plymouth, Devon.
Doggy shrink ONE of the Queen’s pet corgis will receive professional help from animal psychologist Roger Mugford, to correct the animal’s aggressive behaviour towards other dogs.
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€16,000 for two charities A TOTAL of €16,000 was raised at a charity fashion show held at Mood Beach in Costa D’en Blanes. The cash has been equally shared between ASPANOB, the charity for children with cancer in the Balearics, and AECC, the adult cancer association. “We are so pleased to have raised so much money and would like to thank everyone for their generosity and support,” said one of the hosts, Sofia McGrath. This event was organised by a group of volunteers. The fashion show featured clothes from several Mallorca boutiques plus second hand clothes donated to the cancer charity shop.
GERMAN
PRESS
Stories making headlines from Germany
Cleavage war A TEACHER in Wiesbaden was ordered to pay a €400 fine for putting a pencil down a student’s shirt to draw attention to her ‘inappropriate clothing’.
Olympic bill CATWALK: Models walked along a long platform constructed over the pool at Mood Beach. Entertainment included a saxophonist and an Elvis Presley impersonator, who with
the models gave their time and services free to boost the amount raised.
Calanova Cancer Charity president, Angela McGrath and ASPANOB President Jaime Coll. A raffle and an auction also helped boost funds.
GERMAN hockey gold medal Olympians may be held liable for a €500,000 bill for damages done to the MS Deutschland cruise ship during their victory celebrations.
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Under â‚Ź1000 ok for most SEVENTY per cent of Spanish unemployed people would accept a job offer that paid less than â‚Ź1,000. However, a recent Manpower recruitment agency poll revealed that a third of 9,000 people in a survey would not accept less than â‚Ź800. There was also a gender difference in worker pay requirements, with 32 per cent of men unwilling to accept less than â‚Ź1,000, but only 28
Spanish foreign pledge SPAIN would support African troops in retaking northern Mali, now controlled by Tuareg separatists and radical Islamic groups. Help, however, would first have to be requested by the Mali government, Gonzalo de Benito, Junior Foreign Minister, has said. Any intervention in Mali by Africa’s ECOWAS community would also require UN Security Council permission, he added. Spain has increased its West African presence in recent years and Mali played an important role in the region being vital in combating terrorism and illegal immigration, he said. Although Spain is prepared to help a Mali mission, it will not co-operate with ground troops or financial aid. Instead, it would supply military and logistics training for African troops. Regarding Syria, Spain and the international community were preparing for a political transition likely to arrive, according to De Benito. Military intervention was unlikely, the minister considered, owing to Russian and Chinese opposition at the UN. Neither was a no-fly zone viable, he said.
per cent of women. Statistics also show that almost half of the jobless in Madrid want â‚Ź1,000 at least to accept a work offer, and in Catalonia 37 per cent . The general director of Manpower Spain, Raul Grijalba, said that the minimum wage accepted by workers mostly depends on day to day living costs, which are noticeably higher in Madrid and Catalonia.
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No Rajoy promises / SHUTTERSTOCK.COM
Stories making headlines in Denmark, Norway and Sweden
MATTHI
I CANNOT fulfil election promises, Spain’s President, Mariano Rajoy, admitted. The ‘reality’ of the current situation prevents this, he admitted to ABC newspaper in his first full newspaper interview since winning last November’s general election. The interview was also published in leading newspapers in Italy, France and Germany. “I’ve no magic wand and I did not promise miracles,” he said, but he remains confident he can help Spain emerge from one of the most difficult times it has ever known. “We will get out of this with endeavour, perseverance and faith in ourselves,” he said. “Growth and job creation are the goals”, Rajoy said, with a pledge to lower income tax as soon as he could.
SCANDINAVIAN PRESS
Spanish PM Mariano Rajoy. “Naturally I understand that the government’s measures are hurting the public, but society is behaving responsibly,” the president said. Another objective was to pay suppliers owed money by local and regional governments. “There will be no more bills hidden in drawers; that has got to finish,” he said, warning that anyone awarding public sector contracts without estimates would be pursued.
Enthusiast sought SWEDEN - A 35-yearold trash enthusiast is wanted by police in Motala, southern Sweden, after hiding on a rubbish truck and sneakily filming the bin men at work.
Damp spirits SWEDEN - A woman in her forties is facing criminal charges after urinating on a man in a house in Långås.
Odd tongues NORWAY - Dozens of students at the Oslo International Bible College claimed to have been harassed and accused of practising witchcraft by members of staff. Allegedly, they were also forced to speak in tongues.
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Desalination plants to rescue of tourist areas MANY tourist areas would have been without water this summer without the much-criticised desalination plants in Alicante and Murcia. Drought, plus a structural failure in the Tajo-Segura pipeline prevented water transfers and threatened the domestic supply in Torrevieja and La Manga, as well as to Alicante and Murcia cities. Desalination plants in Murcia’s San Pedro del Pinatar and in Alicante City have instead worked at capacity this summer, processing 6.5 cubic hectometres of water in July compared with 0.3 hectometres during the same month in 2011. Thirty per cent of the area’s water already comes from the desalination plants including the city of Murcia, 40 kilometres from the coast. The remainder usually comes from the Taibilla river and the Segura-Tajo pipeline “There would probably have been supply problems without the plants. They were a good solution,� said Adolfo Gallardo de Marco the central government’s representative on the Canales de Taibilla water board.
Mallorca
Money lesson WHEN families organise celebrations that generally follow wedding services, communion or christenings, parish priests could suggest they donate the cost of just one guest to the Caritas charity, Bishop Manuel Esteban said during his sermon at Palencia Cathedral. He also said a “Good Samaritan. Help the Unemployed� collection would be made at every church and parish hall in the diocese of Palencia, to help those in need.
MUCH CRITICISED: Desalination plants in Alicante and Murcia. The present PP government has little enthusiasm for the desalinisation plants, introduced by their PSOE predecessors. Despite a â‚Ź1,600 million investment, they only functioned at 16 per cent capacity, complained Environment Minister, Miguel Arias CaĂąete earlier this year. But the plants would in any case have increased production, regardless of government reluctance. Brussels, which provided most of the money for them, told Spain
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earlier this year that the plants could not lie idle. This is unlikely for the time being, as repairs to the damaged section of the Tajo-Segura pipeline will not be completed until January at earliest. Some desalination plants, including Torrevieja’s, have yet to start production. Those in Aguilas and Valdelentisco in Murcia cannot function because they lack sufficient electricity and pipelines to distribute the processed water.
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Stat of week 77% of Spanish aged 45 - 66 believe they will have to work until they reach 70, a poll by the ESADE business and law school in Barcelona has revealed.
Finance,
business
& legal
A EURO WEEKLY NEWS 8 PAGE SPECIAL SECTION
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Bank HQ in €2 bn feud SANTANDER may be forced to buy back a €2 billion complex that includes the Madrid headquarters of its banking group. At present Santander holds a 40-year lease on the complex - which includes a hotel and an 18-hole Seve Ballesteros golf course - and pays €100 million a year rent. But now two men who bought the
freehold from Santander in 2008 Europe’s biggest property deal at the time - now find themselves at the centre of a complicated feud and are understood to be planning a move that could see the company set up to hold the site - Marme Inversiones - move operations out of Spain. According to a report in the UK’s Sunday Times newspaper such a move by UK-based tycoon, Glenn Maud and Irish financier, Derek Quinland could lead to an Abu Dhabi sovereign fund THERE will be no more VAT or income tax rises in pushing for control. 2013, President Mariano Rajoy has pledged. Such a move could set off a complex chain reaction which might allow AN aspiring Vietnamese mechanic has used Santander to claim scrap metal and an old Suzuki to design a up to €500 million in prototype of Batman’s motorbike, the Batpod. compensation. According to the Sunday Times, it would additionally cause a €650m loss THE “very strong” recent government financial on complicated measures will help Spain make “further progress at interest rate swap the European level,” International Monetary Fund derivative, causing spokesperson Gerry Rice has said. the feud to explode within weeks.
BUSINESS EXTRA NEWS
No more tax rises in 2013 A scrappy new Batpod
Praise for Spain from IMF
Like! Mr Facebook spends €563,000 on jet set life WHAT’S it like to be a high-flying boss? Facebook chief, Mark Zuckerberg spent $692,679 (€563,153) on private jets for himself, family and friends last year, an airline report reveals. Zuckerberg needs to charter private aircraft for business and personal travel because he would be subject to ‘stalkers and other kinds of crazy’ on scheduled flights,
the report added. The total spend included the cost of chartering planes, crew plus catering, but did not identify the number of flights, passengers carried, nor the percentage of business compared to personal travel. DOWN TO EARTH: Mark Zuckerberg spends lots of time at 35,000 feet.
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PART OF FEUD: The Santander banking group headquarters in Madrid.
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Easy way to stay legally updated with the EWN
Q
I have received several queries from people wanting to consult earlier You and the Law in Spain columns in the EWN. This also provides me with a good reason to plug the book ‘You and the Law in Spain’ which is now updated on the web.
A
It is easy to consult earlier columns by You and the going to the Law in Spain EuroWeeklyNews online By David Searl edition. Enter euroweeklynews.com, go to the Business section, and then click the Legal Q and A reference. Checking three or four columns on the same general topic will provide a deeper perspective on the issue. Should even more complete information be required, then go to santanabooks.com, and that gives the opportunity to order a 2011 edition of ‘You and the Law in Spain’ direct from the publisher. It is also available as an e-book that can be purchased in sections if required. For example, a community president might want to download only the section on Horizontal Law, which contains a complete translation of this for communities. Many have indicated they want a new edition of the book, and not one from 2011, and consequently updated information for 2012 is now being offered directly on the Santana web site. This includes the Spanish capital gains tax revised for 2012 up to 27 per cent on profits of more than €24,000, although non-residents pay a flat 21 per cent. There are also the 2012 revisions of the domestic workers law, under which employers are required to register cleaners as an employee and pay Social Security. In addition, other recent updates include the new requirements for European Union citizens to register as residents of Spain, which came into effect in April. David will respond to queries but reserves the right to select letters which will be of interest to the greatest number of readers. You can also consult David through lawyers Ubeda-Retana and Associates in Fuengirola. ask@lawtaxspain.com or call 952 667 090.
FINANCE, BUSINESS & LEGAL
6 - 12 September 2012 Mallorca
Retirement cash a worry for most MOST people are failing to take steps to ensure they will have enough money to fund comfortable retirement, says Prudential retirement expert Smith Hughes.
B
ritish usiness riefs
£££
£££
GREEN tax contributions to a typical annual dual fuel bill costing £1,310 (€1,637) reached £91.50 (€114.3), almost double the amount in 2010, according to www.energyhelpline.com.
THE UK economy will grow as early as next spring, predicted Bill O’Neill, Chief Investment Officer at Merrill Lynch Wealth Management.
£££
CHANCELLOR George Osborne has discarded the idea to increase taxes on the rich, stating the UK’s financial recovery will be made possible by the endeavours of wealthy entrepreneur businesses.
£££ THE £1,500 (€1,825) Apprenticeship Grant for Employers will be reformed and expanded to make more companies eligible and to encourage training, government sources say.
Spelling out harder time with VAT rises HIGHER IVA – Spain’s value added tax (VAT) – that came into effect last Saturday brings higher electricity, gas, water and phone bills. Telefonica clients will have already noticed that the new rate was applied to their bills for August because these are paid in September. Electricity providers have followed suit and a user whose electricity bill averaged €77.68 in July will pay €78.5 for power consumed in August. The average 2002 power bill was €42.83, according to the FACUA
In Madrid, for example, charges rose an average 11 per cent. Taxi fares have also been subject to a 2 per cent IVA rise. Drivers should wait until tariffs are revised at the end of the year before deciding whether to pass on the increased VAT to passsengers, advised the CTE, their professional association. The current situation makes it “neither prudent nor reasonable” to raise prices, according to the CTE. Airlines are also uneasy about the VAT increase although this affects only national flights, as international flights are exempt. “But any tax that discourages consumers affects tourism,” said the ACETA business association. a possible truce in the IVA on new cars has companies’ ‘patent battle.’ increased from 18 to 21 per cent. The sector is in no condition to absorb the JAPAN’S government could increase, say run out of funds by manufacturers’ association October, Finance Minister Anfac and importers Jun Azumi has warned. Aniacam. New car sales fell 9.5 per cent during the first half of this year compared with A EURO collapse would 2011 and the volume of take 10 per cent (€3.5 sales is likely to drop to trillion) off the German 700,000, Anfac believes. economy, according to In contrast, seven out of national economic adviser every 10 cars sold this year Lars Feld. will be second-hand, predicts GANVAM, Spain’s association of used vehicle dealers. THE average youth But whether a car is new unemployment rate in the or second-hand, the 2.54 Eurozone would rise to 13 per cent rise means a 60per cent if Greece were to litre tank now costs €2 leave the euro, says UN more to fill, although VAT International Labour accounts for only a third of Organisation senior the taxes on petrol and economist, Ekkehard Ernst. diesel fuel.
consumers’ association. The latest VAT rise means electricity has risen 86 per cent in 10 years, an average of €36.83 a month or €441.96 a year. This latest power increase is the third this year, following a 7 per cent rise in April and approximately 4 per cent in July. A VAT rate rise on public transport fares from 8 to 10 per cent has seen the average cost of a ticket on an AVE high speed train increase from €118.8 to €120. Independently of the VAT rise, some regional governments have also increased public transport costs.
EXTRA BUSINESS... EXTRA BUSINESS .... EXTRA A rich view PEOPLE should drink less and work more if they want to be rich, according to Australian mining heiress Gine Rinehart, the world’s richest woman.
Lead by Lego THE ‘Lego Friends’ toys colourfully marketed towards girls have earned the Danish company Lego €267 million, despite being criticised for gender stereotypes.
Funds alert
The real cost VAT changes last weekend have seen cinema tickets rise to around €8 and €25 theatre seats increase to around €30.
Truce talks GOOGLE and Apple bosses Larry Page and Tim Cook are said to be in talks over
It pays to advertise BILLBOARD space reading Please Hire My Wife was taken by an Ohio man to help the former university employee find work after being jobless for six months.
Costly collapse
13pc rise
6 - 12 September 2012
FINANCE, BUSINESS & LEGAL
13
Mallorca
www.euroweeklynews.com ONE of the most financially damaging taxes facing wealthier British families is UK inheritance tax. Living overseas does not automatically protect you from inheritance tax since liability does not rest on residence or even nationality, but on domicile. Domicile is a complex UK common law concept. If claiming a change of domicile the onus is on you (or more usually on your family when inheriting your assets) to prove you were non-UK domicile at the date of death, in the event of a challenge from HM Revenue & Customs (HMRC). Anyone who is UK domiciled or deemed UK domiciled is liable to inheritance tax on their worldwide assets. The current tax threshold is £325,000 per individual or £650,000 for spouses/civil partners. Any amount over these figures is taxed at 40%. Transfers between spouses are exempt (unless your spouse is a non-domicile). Assets situated in another country may also be liable to inheritance tax there, although in most cases the UK would give credit for the tax paid overseas. This would be the case for British expatriates living here in Spain. If you are an expatriate with a worldwide estate worth over the inheritance tax threshold, you need to take professional
EWN
Your Domicile Status And Liability To UK Inheritance Tax l by Bill Blevins, Financia Correspondent, Blevins Franks
advice from a firm such as Blevins Franks to establish both your domicile status and how inheritance tax interacts with Spanish succession tax. Blevins Franks are highly experienced in determining domicile and how double tax treaties affect an expatriate’s tax position. Under UK law you can only ever have one domicile at a time. You can never be without a domicile. Your place of domicile does not have to be the country where you have your closest personal association. You can live in Spain for many years and remain a UK domicile. The basic rule is that you are domiciled in the country where your life is centred, and which you regard as your homeland. Changing your domicile is seen as a very serious step. There are three types of
domicile under English law: memberships; cutting Domicile of origin - a child business interests; scaling takes his father’s domicile of down UK bank accounts, origin at the time of birth, not investments etc, and setting necessarily the country where up new ones elsewhere. you are born. A child of a You should also be careful single or widowed mother about the number of trips you takes the mother’s domicile. make to the UK. Even Domicile of dependence - stipulating in your Will that applies to women married you wish to be buried in the before 1974, children and UK will count against your mentally disordered case. HMRC will look persons. for any indication Domicile Living of that you regard choice - can be overseas does not the UK as your acquired automatically by homeland and moving protect you to may return for another country from good one day. which inheritance then It takes at replaces tax. either least three years domicile of origin or to shed UK domicile dependence. for inheritance tax To acquire a domicile of purposes. You will be deemed choice here you must be domiciled in the UK for physically present and tax inheritance tax if you were UK resident in Spain, and have domiciled at any time in the formed the intention of living previous three years, or were here permanently, and not resident in the UK for any part foreseeing any reason to of at least 17 of the last 20 tax return to the UK, such as years. widowhood or illness. You Although the link to domicile need to sever as many ties as of origin can be removed, it is possible with the UK. This not destroyed and can be includes disposing of UK instantly reinstated. If you property; resigning from leave Spain and move to a
third country, you would reacquire your UK domicile of origin unless you can demonstrate you have moved to a new domicile of choice. Inheritance tax is often described as a “voluntary tax” since tax planning devices are available to mitigate or avoid it. There are a number of ways in which your domicile status can be satisfactorily tested, but professional guidance will be required. In practice HMRC will not consider this until it becomes relevant for some tax purpose. If you get it wrong your heirs could receive an unexpected tax bill. Speak to an international tax and wealth manager like Blevins Franks for clarity on your situation. Summarised tax information is based upon our understanding of current laws and practices which may change. Individuals must take personalised advice. To keep in touch with the latest developments in the offshore world, check out the latest news on our website www.blevinsfranks.com
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FINANCE, BUSINESS & LEGAL
EWN
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LONDON - FTSE 100 C H A N G E ( P ) % C H G. 0.40 0.14
NET VOLUME 539.62
Admiral Group PLC
1149.00
-37.00
-3.12
314.58
Aggreko PLC
2350.00
-10.00
-0.42
244.73
AMEC PLC
1121.00
11.00
0.99
181.77
Anglo American PLC
1773.50
23.50
1.34
1,678.59
Antofagasta PLC
CU RR EN CI ES
C LOSING P RICES S EPTEMBER 4
PRICE(P) C O M PA N Y Aberdeen Asset Mngnt 279.55
0.79125
1.25695 Units per €
United States $..................................................... 1.25695 Japan Yen ¥.......................................................... 98.4581 Switzerland Francs............................................... 1.20078 Denmark Kroner ................................................... 7.45128 Norway Kroner...................................................... 7.30912
1132.00
25.00
2.26
666.22
ARM Holdings PLC
559.75
-14.25
-2.48
1,615.81
Ashmore Group PLC
327.25
-1.75
-0.53
287.74
C O M PA N Y
Associated Brit Foods
1331.50
7.00
0.53
156.17
British Am Tobacco PLC 3328.50
AstraZeneca PLC
British Land Co PLC
541.00
1.50
British Sky Broad Gr...
768.75
7.50
BT Group PLC
221.40
3.80
1.75
8,688.62
C O M PA N Y Centrica PLC Compass Group PLC
VOLUME 1,630.92
711.50
3.00
0.42
687.72
8.00
0.72
515.11
Croda International PLC 2386.50
32.00
1.36
49.86
Diageo PLC
1746.25
21.50
1.25
802.45
303.10
1.28
0.42
1,676.00 2,426.60
Eurasian Natural Res
227.10
2.00
0.89
NET VOLUME
Experian PLC
1015.00
11.00
1.10
622.66
600.23
Fresnillo PLC
1624.50
63.00
4.04
562.41
0.28
633.09
G4S PLC
255.00
2.10
0.83
1,874.99
0.99
346.72
GKN PLC
214.65
1.10
0.52
1,433.33
1431.25
6.00
0.42
3,743.39
C H A N G E ( P ) % C H G. 27.00
% C H G. 1.04
1116.50
CRH PLC
EVRAZ PLC PRICE(P)
PRICE(P) CHANGE 330.10 3.40
0.82
2937.75
2.00
0.07
743.17
Aviva PLC
327.55
1.45
0.44
2,264.64
Babcock Intnal Group
939.75
3.00
0.32
234.11
BAE SYSTEMS PLC
323.35
4.90
1.54
2,211.44
Bunzl PLC
1127.50
4.00
0.36
227.43
Glencore International
382.35
-2.65
-0.69
22,053.18
Barclays PLC
183.90
0.61
0.33
6,900.00
Burberry Group PLC
1353.50
-1.00
-0.07
460.43
Hammerson PLC
460.15
2.85
0.62
395.67
BG Group PLC
1299.50
11.32
0.88
1,573.85
Capita PLC
721.75
-1.00
-0.14
271.48
Hargreaves Lansdown
626.75
5.50
0.89
183.72
BHP Billiton PLC
1858.50
23.00
1.25
2,162.05
Capital Shppng Cntrs
339.55
1.60
0.47
841.33
HSBC Holdings PLC
550.75
3.70
0.68
5,181.11
443.62
2.25
0.51
7,709.65
Carnival PLC
2161.50
2.00
0.09
183.38
ICAP PLC
315.10
-2.60
-0.82
552.43
IMI PLC
BP PLC
DOW JONES
NASDAQ
C LOSING P RICES S EPTEMBER 4
C LOSING P RICES S EPTEMBER 4
C O M PA N Y
PRICE CHANGE %CHANGE VOLUME
MMM 3M Co 92.60 AA Alcoa Inc 8.56 AXP American Express Co 58.30 T AT&T Inc 36.64 BAC Bank of America Corp 7.99 BA Boeing Co 71.40 CAT Caterpillar Inc 85.33 CVX Chevron Corp 112.16 CSCO Cisco Systems Inc 19.08 DD E. I. du Pont de Nemours and C... 49.75 XOM Exxon Mobil Corp 87.30 GE General Electric Co 20.71 HPQ Hewlett-Packard Co 16.88 HD Home Depot Inc 56.75 INTC Intel Corp 24.83 IBM International Business Machine... 194.85 JNJ Johnson & Johnson 67.43 JPM JPMorgan Chase and Co 37.14 KFT Kraft Foods Inc 41.51 MCD McDonald's Corp 89.49 MRK Merck & Co Inc 43.05 MSFT Microsoft Corp 30.82 PFE Pfizer Inc 23.86 PG Procter & Gamble Co 67.19 KO The Coca-Cola Co 37.40 TRV Travelers Companies Inc 64.74 UTX United Technologies Corp 79.85 VZ Verizon Communications Inc 42.94 WMT Wal-Mart Stores Inc 72.60 DIS Walt Disney Co 49.47
+0.84 +0.12 +1.13 -0.05 +0.08 +0.58 +0.86 +1.23 +0.18 +0.17 +0.10 +0.07 +0.10 +0.13 +0.56 +1.48 +0.22 +0.24 +0.16 +0.79 -0.07 +0.50 +0.02 +0.31 +0.26 +0.25 +0.79 +0.17 +0.35 +0.05
+0.92% +1.42% +1.98% -0.14% +1.01% +0.82% +1.02% +1.11% +0.95% +0.34% +0.11% +0.34% +0.60% +0.23% +2.31% +0.77% +0.33% +0.65% +0.39% +0.89% -0.16% +1.65% +0.08% +0.46% +0.70% +0.39% +1.00% +0.40% +0.48% +0.10%
1.9M 16.9M 4.7M 20.1M 91.8M 3.2M 5.5M 5.6M 38.5M 3.5M 14.2M 29.7M 19.6M 7.4M 43.4M 3.2M 10.2M 16.8M 9.8M 6.1M 27.6M 36.6M 26.2M 10.1M 20.7M 1.8M 3.2M 8.9M 5.9M 6.2M
C O M PA N Y
858.50
-2.00
-0.23
271.68
Imperial Tobacco Group 2480.50
25.00
1.02
721.72
InterContinental Hotels 1620.50 International Consolidtd PRICE
CHANGE NET / %
Emmis Communications Corporation $ 2.50 Saba Software, Inc. $ 9.40 Zion Oil & Gas Inc $ 2.86 Video Display Corporation $ 4.60 Splunk Inc. $ 34.40 Perceptron, Inc. $ 5.70 Cache, Inc. $ 3.38 Sarepta Therapeutics, Inc. $ 15.82 ZipRealty, Inc. $ 2.24 Reis, Inc $ 11.69 Central European Distribution Corporation $ 2.73 Elbit Imaging Ltd. $ 2.22 Silver Standard Resources, Inc $ 14.83
0.49 / +24.38% 1.42 / +17.79% 0.39 / +15.79% 0.61 / +15.29% 3.90 / +12.79% 0.60 / +11.76% 0.32 / +10.46% 1.42 / +9.86% 0.20 / +9.80% 0.91 / +8.44% 0.21 / +8.33% 0.17 / +8.29% 1.09 / +7.93%
Most Advanced
Intertek Group PLC ITV PLC Johnson Matthey PLC
$ 17.58 $ 9.08 $ 29.19 $ 2.31 $ 2.95 $ 18.058 $ 2.37 $ 2.02 $ 4.35 $ 3.33 $ 11.35 $ 5.26
3.09 14.95% 1.4199 13.52% 3.03 9.40% 0.20 7.97% 0.20 6.35% 1.0305 5.40% 0.12 4.82% 0.10 4.72% 0.21 4.61% 0.16 4.58% 0.54 4.54% 0.24 4.36%
15.00
0.93
219.92
142.15
0.30
0.21
2,524.41
2812.00
-3.00
-0.11
84.23
84.00
0.75
0.90
1,734.56
2418.50
15.00
0.62
138.35
Kazakhmys PLC
606.75
13.50
2.28
1,244.48
Kingfisher PLC
2,692.75
273.85
-1.80
-0.65
Land Securities Group PLC 791.50
0.50
0.06
377.83
Legal & General Group
129.00
1.00
0.78
3,421.04
Lloyds Banking Group PLC 33.44
0.13
0.39
36,061.81
Marks & Spencer Group
357.90
0.10
0.03
1,354.88
Meggitt PLC
396.65
1.40
0.35
248.50
Morrison Supermarkets
277.35
-2.60
-0.93
2,238.17 1,461.87
National Grid PLC Next PLC Old Mutual PLC
Most Declined Gordmans Stores, Inc. JTH Holding Inc Zumiez Inc. Limelight Networks, Inc. U.S. Auto Parts Network, Inc. Facebook, Inc. Frozen Food Express Industries, Inc. Republic First Bancorp, Inc. Beasley Broadcast Group, Inc. Echelon Corporation Kewaunee Scientific Corporation BioClinica, Inc
GlaxoSmithKline PLC
Pearson PLC Pennon Group PLC Petrofac Ltd
688.50
5.50
0.80
3632.00
57.00
1.59
156.19
167.00
0.50
0.30
888.05
1208.50
14.00
1.17
276.45
737.75
1.00
0.14
403.70
1511.00
8.00
0.53
246.03
Polymetal Intnal PLC
973.00
5.00
0.52
311.44
Prudential PLC
787.25
0.25
0.03
917.49
Randgold Resources Ltd 6425.00
105.00
1.66
126.95
Reckitt Benckiser Gr PLC 3587.50
28.00
0.79
321.66
6.00
1.02
1,328.40
Reed Elsevier PLC
596.25
Resolution Ltd
216.20
0.40
0.19
992.82
REXAM PLC
426.05
2.08
0.49
391.58
Rio Tinto PLC
2795.50
60.66
2.22
2,814.44
Rolls-Royce Holdings PLC 837.25
16.50
2.01
1,839.56
Royal Bank of Scot Grou 223.60
-2.70
-1.19
3,686.28
Royal Dutch Shell PLC
2294.00
22.50
0.99
597.64
RSA Insurance Gr PLC
114.10
0.02
0.02
1,796.18
2810.25
31.00
1.12
321.37
303.70
7.50
2.53
2,598.66 973.12
SABMiller PLC Sage Group (The) PLC Sainsbury (J) PLC
329.25
1.53
0.47
1422.00
0.00
0.00
41.67
Serco Group PLC
565.25
2.50
0.44
204.43
Severn Trent PLC
1733.50
3.00
0.17
127.19
Shire PLC
1925.00
10.00
0.52
286.35 296.56
Schroders PLC
Smith & Nephew PLC
666.25
-0.50
-0.07
Smiths Group PLC
1047.00
1.25
0.12
134.36
SSE PLC
1380.00
12.41
0.91
526.53
Standard Chartered PLC 1390.50
-1.00
-0.07
742.84
Standard Life PLC
267.20
2.00
0.75
1,064.42
Tate & Lyle PLC
660.50
4.50
0.69
200.08
Tesco PLC
338.60
2.02
0.60
3,812.26
Tullow Oil PLC
1385.00
22.00
1.61
1,305.81
Unilever PLC
2279.50
15.00
0.66
396.76
United Utilities Gr PLC
712.25
3.06
0.43
685.09
Vedanta Resources PLC
890.50
23.00
2.65
434.65
Vodafone Group PLC
182.92
1.40
0.77
15,339.63
Weir Group PLC
1634.00
2.00
0.12
284.39
Whitbread PLC
2131.00
2.00
0.09
130.52
Wolseley PLC
2592.50
50.00
1.97
330.02
WPP PLC
824.75
10.00
1.23
1,427.04
Xstrata PLC
945.70
-6.78
-0.71
4,490.87
FINANCE, BUSINESS & LEGAL
6 - 12 September 2012
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Lessons to learn over back-to-school needs IT’S approaching that time of the year boxes, copy books or stationery plastered again – Back to School – when all parents with animations of popular characters begin to see or predict a big bump up the price, but dent in their personal finance. without necessarily making Everyone knows that the purchase better or having children is an sturdier. expensive business, with Why not buy a cheaper, toys, clothes, after-school plain lunch box, copy book A look activities and sports all taking or folder, then a pack of at finance a big lump out of any salary. stickers from a Chino store for females But with a little forward and stick-away. The children planning, heading back to the won’t know the difference, Jane Plunkett classroom does not have to but your wallet will. jane.plunkett@euroweeklynews. cost a fortune. 3. Go shopping without com It’s all about paying the children as its easier to attention to detail and not concentrate and without the paying more than necessary. distraction of them 1. Plan. Make a list of all encouraging an overspend the items your children need on a set budget. and prioritise by importance. 4. There is nothing wrong Then stick to the list when with good condition handshopping. All those little me-downs from books to things in the shopping trolley uniforms. It’s smart to be can really add up. Being environmentally and organised helps avoid economically responsible. spontaneous purchases and 5. Seek out end-ofreveals what is really summer sales and stock up necessary. from the bargain bins. Online 2. Don’t get caught out by ALL IMPORTANT: Plan shopping can also be latest trends. SpongeBob, back-to-school needs convenient and economical. Monster High and Dora the Just like you tell your Explorer are the Chanel, Gucci and Prada children , it pays to do your homework, and of childrens fashionable items. Lunch find the best offers.
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FOREIGN EXCHANGE
Time is not money, say the Greeks GREECE is back in the spotlight after asking for more time to achieve its deficit reduction target. Indeed Prime Minister Antonis Samaras met with Angela Merkel in Berlin and Francois Hollande in Paris to present new proposals which would involve delaying the timeframe originally agreed by two years to reduce Greece’s deficit to less than 3 per cent of GDP, whilst arguing that such delay would not result in extra costs for other EU countries. This would take the end of the Greek budgetary adjustments’ programme from 2014 to 2016, a necessary measure according to Finance Minister Yannis Stournaras to avoid further drastic austerity measures which would feed the recession’s vicious circle and dampen down any recovery hopes. However, German Finance Minister Wolfang Schäuble replied immediately that more time usually means more money, adding that such a request points towards new demands from Greece which is under the scrutiny of auditors from the IMF, ECB and European Commission. The verdict is expected early October. Meanwhile Spain is falling a little bit further into recession, recording a 0.4 per cent drop of its GDP in the second quarter
Ask the expert with
Peter Loveday of Contact me at euroweekly@ currenciesdirect.com. This column appears the first Thursday of every month.
of 2012. This confirms the tricky situation in which the fourth largest EU country finds itself in with domestic demand in decline, record unemployment and international demand and tourism not sufficient anymore to lift the national economy. Investors are convinced Spain will have no choice but to ask sooner, rather than later, for further EU help to reduce the interests on its debt which is now costing almost â‚Ź35 billion. Even so Prime Minister Mariano Rajoy has declared on many occasions that the nation will wait to understand the
conditions imposed by the ECB before asking for a global bailout from the EU. Meanwhile Catalonia has now joined Valencia and Murcia asking for a â‚Ź5 billion financial life-line from the Spanish central government as it is suffering from a lack of access to capital markets. Catalonia faces debts of more than â‚Ź40 billion and one can wonder how many others of the 17 Spanish regions may have to join the liquidity fund set up by Madrid and under which conditions if any! Despite the lack of good news in the Eurozone and renewed tensions between troubled EU countries and slightly better
faring ones, FX markets saw limited volatility throughout August with GBP/EUR moving within a 2 per cent range and USD pairs (Euro and GBP) under 3 per cent. These values are nothing compared to the large swings in the previous three months which saw the Euro drop 8 per cent against the greenback. Is this the (relative) calm before the storm? Undoubtedly the next two months after the summer break will be critical with key deadlines to be met by bailout countries and major decisions by European governments and institutions to keep the Eurozone in one piece!
Visit us at our Spanish offices at Costa del Sol, Costa Almeria, North Costa Blanca and South Costa Blanca. Telephone: UK +44 (0) 207 847 9400 SPAIN +34 950 478 914 Email: euroweekly@currenciesdirect.com • www.currenciesdirect.com
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How to create plan all businesses need In the second of a new occasional series, Nigel Fitzpatrick looks at the importance of having a business plan. A BUSINESS should always have a plan. key areas and include colour charts and Initially the business plan will capture the spreadsheets. strategic, operational and financial aims to The numbers will be under scrutiny, all be adapted as trade grows. costs should be fully documented and sales Ideally the plan should be written by the predictions should be realistic and potential or new business conservative. Preparing cash owner, but in the flow and break-even charts will perspective of the audience. Nigel Fitzpatrick establish how many sales must It is essential to idenity be achieved to cover costs and the purpose of the plan and also what start-up finance will to tailor it accordingly. be needed for the new Is it for personal use? enterprise. At the beginning Is it to secure finance or there are many start-up costs, investment? and sales can be uncertain, so Or simply to communicate provision for a strong cash flow future plans of the company? budget. Moving forward from creating the Do market research, factoring in market essential business plan as growth is size and potential growth paths. achieved, it is important to refer to it and For example, an internet cafe would adapt accordingly. Templates are available on the internet need research into local population, household internet coverage, and which can help with writing a business plan, and assist with Profit and Loss, cashpredictions on potential growth or decline. Going into business it is essential to have flow and break-even charts. a measure and understanding of competitors. If the market sector is highly competitive, is this price led and how will any new business be able to effectively compete with existing players? info@businessownersdirect.com When writing the business plan, cover all Tel – 0034 91 123 4006
6 - 12 September 2012 www.euroweeklynews.com
FINANCE, BUSINESS & LEGAL
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FINANCE, BUSINESS & LEGAL
6 - 12 September 2012 Mallorca
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6 - 12 September 2012
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ROUND - UP OF REGULAR AND OCCASIONAL TOPICS
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LETTERS LEAPY HEALTH &BEAUTY FOOD TIME OUT HOMES & GARDENS PROPERTY PLUS TELEVISION
PAT TRA
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Charity fundraiser stays positive fighting cancer Charity fundraising expat Tina Sanchez got engaged on the second date and is currently organising a swanky event at The Polo House. Nicole Hallett reports. How did you get involved with Future events? charity work? A gala dinner and prize draw at The Polo A colleague roped me in six years ago House, Marbella, to raise money for Ciudad starting with buying things for poor de los Niños on October 4. We are still people on World Vision, followed looking for businesses to donate by animal charity AAA, Caritas, prizes. Contact metrobanus Cudeca and the Malaga @hotmail.com to donate. orphanage Ciudad de los Craziest thing you have Niños. done? How much have you Getting engaged on the raised? second date to my husband Around €3,000 in cash, of 10 years, Javier. We although I am mostly married two years later. involved in getting food and Scariest experience? other items for the poor and Finding I had ovarian cancer in children. I could not even begin to count March. Within days I had a hysterectomy and this value. am now halfway through chemotherapy. Have thing changed since the How have you coped? economic crisis? I try to stay positive and never give up. I Absolutely. Now it is more difficult raising work at Metro Restaurant in Puerto Banus donations and getting people to attend and my boss has been really flexible with my fundraising functions. hours. Read the full interview on www.euroweeklynews.com/features/interviews
Weather outlook for next 7 days NEXT SEVEN DAYS Alicante TODAY: SUNNY, Fri - 27 21 S Sat -28 21 S Sun - 28 21 S
MAX 28C, MIN 22C Mon - 28 21 S Tues - 28 21 S Wed - 28 22 S
MALLORCA ALCUDIA
TODAY
POLLENÇA INCA
Almeria TODAY: SUNNY Fri - 27 21 S Sat - 26 21 S Sun - 26 21 S
CALA MILLOR
CALVIA PALMA
MAX 27C, MIN 21C Mon - 26 21 S Tues - 26 21 S Wed - 26 22 S
CALA d’OR
ANDRATX
LLUCMAJOR MAGALLUF
Barcelona TODAY: SUNNY Fri - 28 21 S Sat - 27 21 S Sun - 27 21 Sh
MAX 28C MIN 21C Mon - 27 21 S Tues - 27 22 S Wed - 28 22 S
ALCUDIA POLLENÇA INCA
Benidorm TODAY: SUNNY, Fri - 28 21 S Sat - 30 21 S Sun - 29 22 S
MAX 28C, MIN 22C Mon - 29 22 S Tues - 29 22 S Wed - 29 22 S
PALMA MAGALLUF
S Sun,
LLUCMAJOR
MAX 32C, MIN 16C Mon - 32 16 S Tues - 32 17 S Wed - 33 17 S
Mallorca
Malaga TODAY: SUNNY, Fri - 27 21 S Sat - 26 21 S Sun - 27 21 S
CALA d’OR
ANDRATX
Madrid TODAY: SUNNY Fri - 31 16 S/ Sh Sat - 31 16 S / Sh Sun - 31 16 S
CALA MILLOR
CALVIA
MAX 27C, MIN 20C Mon - 26 21 S Tues - 27 21 S Wed - 26 22 S
Cl Clear,
TODAY: SUNNY, Fri - 29 19 S Sat - 30 19 S Sun -29 19 S
Fog,
TOMORROW Murcia
MAX 29C, MIN 18C Mon - 29 19 S Tues - 30 19 S Wed - 31 20 S
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Sh Showers,
TODAY: SUNNY, Fri - 29 19 S Sat - 31 19 S Sun - 30 19 S
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MAX 30C, MIN 19C Mon - 31 19 S Tues - 31 19 S Wed - 31 20 S
Th Thunder
Vital Statistics • Lives: San Pedro • Age: 39 • In Spain: 11 years • Best thing about Spain: Weather • Worst: Manana syndrome • Always in fridge: Fruit and vegetables • Most like to meet: Cesar Millan and James Patterson. • Currently reading: The Night Season by Chelsea Cain • Hobbies: Reading and walking AAA dogs
EWN COMMENT The luxury of regional pride ON top of Spain’s EU bank bailout and the spectre of sovereign rescue, Cataluña, Valencia and Murcia have sent out their own mayday calls. They owe €145 billion, of which €36 billion must be refinanced this year. Aided by lottery loot the government set up an €18 billion rescue fund in July but the arithmetic is not promising. Autonomies and nationalist pride come at an exorbitant price these days.
The vicious circle RECEIVING the €400-odd allowance available after unemployment benefit is exhausted will depend on looking for work for the previous 30 days. As though it were that easy! After a month, the
majority will not find a job because there are none around and there are no jobs because there is no money around. And there is no money because there are no jobs. And so on to miserable infinity.
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Sky-high noise is shattering peaceful lives
Letters for Your Say should be emailed to yoursay@ euroweekly news.com, posted to Euro Weekly News, C/Moscatel 10, P-62, Polígono Industrial, Arroyo de la Miel, 29630 Benalmadena, Málaga, Spain or faxed to 0034 952 440 887
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OPINION & COMMENT
EWN
FOLLOWING the front page story (Costa del Sol, Issue 1413) about the opening of the new runway and complaints about noise levels; we have a huge problem now. We live between the villages of Valle de Abdalajis, Alora and Pastalero; inland from Malaga. Both day and night low-flying planes come directly over the top of our valley and house. It is so loud that it starts many of the neighbourhood dogs barking. It is absolutely intolerable. We have about 20 houses in our little valley and it is very remote and is why we love it here. Due to the heat we leave our windows open, but the noise is intolerable and we can no longer sit outside enjoying our previously peaceful garden. Tony Lloyd, inland from Malaga Editor’s note: Airport authority AENA has installed a sound level meter in Cartama to collect data on noise levels generated by Malaga’s airport during August and September. Technicians will then study the information. In the meantime complaints can be sent to the Airspace and Environment Department. GABagp@aena.es.
Sleeping on job I BELIEVE I know one of the reasons many people choose to go to supermarkets rather than the smaller shops (Issue 1416). Supermarkets are open from morning until evening without closing in the middle of the day for a few hours. This is true for all shops. In the centre of Fuengirola I can see that many of the shops are suffering. These are the ones that close for siesta. Yet just a bit further up in the large Miramar Shopping Centre where the shops stay open all day, they seem to be enjoying a far better trade. Equally so, most of the cheap Chinese stores seem to do well, however the only one I know of that closes in the middle of the day – which was located on Carretera de Mijas – has closed. Jane Harder, Mijas Costa (Malaga)
Vegetarian plea WHEN I read the sort of letter sent by Jasmine Forrest (Issue 1416) it
etters
Snapped! By Joy Mauldon of Orihuela (Alicante)
P pub hotog r l em icati aphs pho ail w on sh for p o ton ews ith a f uld b ossibl e es @e ull e c uro wee aptio nt by klyn n to ews : .com
WHAT better way to cool off after a blistering day of glorious sunshine than a walk through the Plaza in Orihuela at midnight.
WHEN YOU WRITE
All letters, whether by email or post, should carry the writer’s postal address, NIE and contact number though only the name and town will be published. Letters may also be edited. Readers who have missed earlier correspondence can see all letters posted on:
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takes my breath away. How can people be so preoccupied with bulls and other animals when they eat them. They should be ashamed of themselves. First stop eating animals then protect them. Go to have a look at how they are killed. I am proud to say I am more than 80-years-old and have never tasted anything that comes from an animal, including meat dairy. Please do not ask the silly question where I get my protein from. At my age I walk six miles every day. So please let the animals live. Stop eating them, it will even help the climate change. R.Nedelec, Marbella (Malaga)
Born to sniff IN regards to the article on dogs sniffing out the red palm weevil in trees (Issue 1417). This makes one wonder why it was not thought of before. Dogs rely on their sense of smell to interpret the world much in the same way people depend on their sight. The area of a dog’s brain that is devoted to analysing smells is
around 40 times larger than that of a human and can smell between 1,000 and 10,000 times better, depending on the breed of dog. KH, Calvia (Mallorca)
Taxing thought I READ that Mayor Chalvi is delighted to be able to spend €1.5 million on the refurbishment of the Arenal area. His taxpayers wish he would show equal enthusiasm about repaying the excessive IBI extracted from them over the past seven years. I think that he talks the talk of good government, but like most politicians, when it comes to walking the walk, he becomes somewhat lame. He pleads poverty, but still seems to find plenty of cash for fireworks and rock bands! Eric Brown, Javea (Alicante)
Driving tonic THIS should interest those who need to take a medical for their driver’s licence. Catral now has its own ‘psicotecnico’ centre where my wife recently obtained hers for €20, instead of the often quoted €30-€50. It is carried out in a matter of 20 minutes or so. For those that do not speak Spanish the receptionist can help them with a reasonable understanding of English. We just turned up for our test with no problem. The centre is more or less opposite the small Consum supermarket, open Tuesdays and Thursdays, 6pm-9pm. You should take your original residence
6 - 12 September 2012 Mallorca certificate with photocopy and passport with photocopy. D.M., Catral (Alicante)
Proud legacy I WAS annoyed by the insinuation in ‘EWN Comment’ (Issue 1416) that London should somehow be ashamed of its connection with Oliver Cromwell. As a Londoner I am proud of our association and the legacy he has left us. He rid us, both of a treacherous king and the concept of a divine right to rule. He gave us a strong parliament, a professional army and made us respected throughout Europe. Granted he didn’t do much for theatres, church music or Christmas but you can’t have everything. Don’t believe the monarchist propaganda.
Ken Bethell, Mazarron (Murcia)
Public outrage I AGREE with Mike Walsh (Issue 1417) in regards to the fury towards a two-year sentence on three women who cavorted on the altar of one of Moscow’s most revered places of worship, screaming blasphemies and obscenities. If this had happened in a Muslim place of worship the penalty would have been far more severe than a two-year sentence. Just look at the recent beheading of 15 men and two women in Afghanistan by Taliban. Their crime? Being at a late night party with music and dancing where there were men and women. Apparently this is immoral. In my mind, this should provoke far more public outrage. Also, what about the women who are raped and then stoned to death for their ‘crime’ according to Sharia law; the same law that Muslim Extremists seek in the UK. Something we should fight at all costs. LH, Torrevieja (Alicante)
Power bill shock WE were already bracing ourselves for the VAT tax increases on September 1, but I see we are going to be done again by backdating the bills like electricity. How do they possibly justify putting it on the August bill as well. There is no way anyone can receive their bill in August so is this just a marvellous way of raising extra money. DJH, by email
The views expressed and opinions given in Letters are not necessarily those of the EWN publishers. They accept no responsibility for accuracy of information, errors, omissions or statements, and reject claims arising out of any action that a company or individual may take on the basis of information contained therein.
OPINION & COMMENT
6 - 12 September 2012
EWN 21 Mallorca
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LOCOG
Super-fit humans at Paralympics
LEAPY LEE SAYS IT OTHERS THINK IT
Paralympic Torch Relay: Double gold-winning cyclist Simon Richardson lighting the cauldron at the lighting ceremony in front of the Paralympic Agitos outside Cardiff City Hall, Wales. impairments - it’s almost like a culture shock. I hasten to add I have no problem with the disabled. Over the years I have
been in touch with the infirm probably more than most through various charity organisations; it’s just the sheer volume of
individual tragedies that has suddenly confronted us that I find disquieting. Anyway, congratulations to all the participants.
Before I do leave the subject, however, I didn’t think the antics of Barbara Windsor and Boris Johnson were particularly clever. I actually found their emulating people who have lost their legs, bordering on the downright offensive. Nothing constructive was achieved by the actions of this patronising pair of wallies, except get them in the newspapers. Wasn’t it great to see the ignoble art of squatting (no pun intended) made a criminal offence this week? With total predictability, there they all were. Grubby looking left-wingers and dogooders, all whinging about the fact these parasites would now have nowhere to live. My God, just think. Some of them will probably have to get a job! Nothing gives them the right to take over and reside in other people’s property without permission. Nothing allows them to trash another person’s place of abode. If you want to drop out, get a tent or drop back in and earn your own. Otherwise good riddance! Keep the faith Love Leapy leapylee2002@gmail.com
Right on wrong I ADMIRE people like you who put on paper what so many feel. Your column (Issue 1416) sums up everything wrong about football today. I believe it has had such a bad influence on society and helped to create the aggressive culture we now have. Since I’ve been reading your column I don’t think I’ve disagreed with you once. Rod Blow, Gata de Gorgos (Alicante)
Overpaid
LETTERS TO LEAPY
I THOUGHT very carefully about my subject matter this week. I finally decided to go ahead because one thing I do pride this column on, is the fact that apart from the odd unintentional slip, I try to be honest. I am also completely aware, that writing what I consider to be how I truly feel can sometimes put me up to my eyeballs in mire! Well, it’s too late to change; so here goes. The truth is I simply can’t get my head around The Paralympics. Now before you all start screaming and shouting, no one could have more admiration for these brave men and women than me. Super fit humans, who have often overcome almost unbelievable odds to attain their exalted positions as para-olympians, it’s just I can’t watch without feeling uncomfortable. I don’t care what anyone says, as far as I’m concerned, no one could have been quite prepared for such an onslaught of missing limbs and
YOUR article regarding the football season start (Issue 1416) sums up the situation perfectly. Players are overpaid, over-rated yobs and prima donnas. Sadly it has become the general signature for British society. If you could stand for Prime Minister; you would get my vote! Ian Phillips, Benidoleig (Alicante)
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6 - 12 September 2012
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UK health tourism and compensation culture frustration I
AM angry – again - so angry, I need to lie down in a dark room and let my heart rate stabilise a bit. Meanwhile, why not flick ahead to the sudoku page or go and make that cup of tea … Hey, me again. Apologies for the short break but pleased to report the heart rate’s just about stabilised. But why so angry? The reason is the article I just read about yet another Nigerian ‘health tourist’ who went to the UK for an emergency caesarean on the NORA JOHNSON NHS. This heavilyNora, who has lived on the Costa del Sol for a pregnant woman, number of years, is the author of psychological suspense and crime thrillers. educated at Harvard, flew to Manchester Airport more than 3,000 miles from her home, to have her baby at cash-strapped FIGHTING FUND: British travel agents £1m fighting fund to deal with personal Wythenshawe Hospital costing the injury cases. taxpayer around £10,000. It’s reported she required vast resources, including midwives, two ‘health tourist’ isn’t one. She’ll never Rather like the compensation culture so urology consultants, a radiology repay a penny and doubtless will be back prevalent now in the UK. British travel consultant, two obstetric consultants again for the next birth. agents are said to have an annual £1m and two anaesthetists. This has all to do with getting fighting fund to deal with personal injury Now, NHS treatment is not ‘free’. It’s something for nothing – something I’ve cases filed by holidaymakers. Among paid for by the UK taxpayer and this written about here before in this context. cases they’ve had to defend is that of a
Breaking Views
woman who sued after a coconut dropped onto her chest while reclining under a palm tree in the Dominican Republic. She received £1,700 in an outof-court settlement. Add to that the case of the teacher who secured a £200,000 compensation payout after slipping on a grape while in a school canteen. Good heavens! Not to mention the illegal immigrant labelled by the judge a ‘one man crime wave’ who was recently jailed for two years for a string of new offences (12 to add to his ‘previous’, namely 30!). Just a year after winning £17,360 compensation for ‘unlawful detention’ while awaiting deportation! Is it really surprising people like the Nigerian ‘health tourist’ above effectively ‘steal’ from the British taxpayer when the UK’s thriving compensation culture is not only still keeping the door open for them but continuing to transport them over the threshold? Nora Johnson’s thrillers ‘Soul Stealer’ & ‘The De Clerambault Code’ (www.nora-johnson.com) available from Amazon in paperback/eBook (€0.89; £0.77) and iBookstore. Profits to Cudeca.
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Ecco Homigod! THE poet Rabindranath Tagore once wrote that, “Age considers; youth ventures.” Except, it seems, in the case of the 80-year-old churchgoer from Zaragoza who decided to restore a 100-year-old painting of Christ using a painting by numbers set and an old dish mop. Apparently she leapt with glee upon the beautiful fresco by Elias Garcia Martinez and duly proceeded to totally obliterate the pained features and delicate
The restoration of a 100-yearold painting was done by painting by numbers and an old dish mop.
Suzanne Manners Suzanne has a degree in Fine Art from Goldsmiths and an MA in Writing from Lancaster University. She is currently teaching in Alicante and writing a book for teenagers (which doesn’t have a vampire as its central character).
brushwork of the original. This story gave me the biggest laugh of the year, especially the protestations of the perpetrator who insisted (as a child would) that everyone knew what she was doing and she therefore had done nothing wrong. Personally if I were her I would have pled insanity or told everyone that Christ told her to do it then ran away and hid. What is telling is the vehemence with which she attacked the fresco. Not only did she endeavour to paint the missing sections ruined by damp and age, but she continued by covering the whole image with her own particular style of brushwork which was amateur, to say the least. Her ‘restoration’ to me smacks of something more sinister, artistic envy perhaps, a desire to destroy beauty or maybe she just hated the artist’s work.
Whatever, the fact remains that she has deliberately ruined an accomplished work of art and you may feel I am being cruel but the woman is not stupid or mentally impaired, she seems quite bright to me and must have realised that one does not just paint over a century old fresco in order to save the church a penny or two. Perhaps it should be treated as a deliberate act of vandalism. Would a 16year-old graffiti artist be treated with the same benign amusement? How many of us who at least profess to a smidgen of artistic talent have thought “Ooh, that
JUST FANCY THAT
World record THAILAND has set the world record for the biggest simultaneous group massage in its capital, Bangkok, with 1,282 entrants.
A-word
A SCHOLARLY study of the A-hole word has been written by linguist Geoffrey Nunberg of the University of California (USA), saying its rise in culture impacted on feminism, self discovery movements and conceptions of social class.
Michelangelo could do with a spot of paint, let me just slap a bit of Titanium White over the third cherub from the left and see what happens?” I think not. Absurdly, given the wanton destruction the old lady caused, her act has created something of a tourist boom for the church and ‘Ecco Mono’, as the restoration has been called, has become a ‘must see’ attraction. The second laugh from this whole ‘fiasco’ surely has to be the sanguine attitude of the Councillor of Culture whose solution to the likely irreparable damage to the work was to comment that perhaps they could replace it with
a photograph of the original. Why stop there, why not replace ‘Ecco Homo’ with a photograph of Bart Simpson? Anyway I’m off to The National Gallery; thought I might restore a few old masters, maybe brighten up a Caravaggio or two, add a few flowers and put a smile on the lips of St Sebastian. Then, who knows, maybe I’ll straighten up the nudes in Picasso’s ‘Demoiselles D’avignon’ and finish up by cleaning Duchamp’s urinal. I may even rewrite the ending of Macbeth. The world is my lobster as Salvador Dali may have said. Anyone got a dish mop I can borrow?
6 - 12 September 2012
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Paralymic Games 2012 6:25pm FRIDAY
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FRIDAY SEPTEMBER 7
6 - 12 September 2012 Mallorca
WEDNESDAY
THURSDAY SEPTEMBER 6
LISTINGS
Introduced by Clare Balding and Ade Adepitan. In the swimming pool, GB’s Sascha Kindred aims to add to his medal haul in the Men’s 50m Butterfly S6 Final; he took bronze in the event in Beijing.
TUESDAY SEPTEMBER 11
BBC1 4:05pm Marrying Mum and Dad 4:35pm Splatalot 5:00pm Who Let the Dogs Out? 5:30pm Trade Your Way to the USA 6:00pm Newsround 6:15pm Pointless 7:00pm BBC News 7:30pm Regional News 8:00pm The One Show 8:30pm EastEnders 9:00pm Holby City 10:00pm Trouble on the Estate 11:00pm BBC News 11:25pm Regional News 11:30pm Weather 11:35pm The Lock Up 12:15am Citizen Khan 1 .
BBC2
4:00pm Wanted Down Under 4:45pm Helicopter Heroes 5:30pm Flog It! 6:15pm Put Your Money Where Your Mouth Is 7:00pm Eggheads 7:30pm Celebrity MasterChef 8:00pm Celebrity Antiques Road Trip 9:00pm The Great British Bake Off 10:00pm Vikings 11:00pm The Rob Brydon Show 11:30pm Newsnight 12:20am China on Four Wheels
ITV 4:00pm The Alan Titchmarsh Show 5:00pm My Tasty Travels with Lynda Bellingham 6:00pm The Chase 7:00pm Local News and Weather 7:30pm ITV News and Weather 8:00pm Emmerdale 8:30pm FIFA World Cup Qualifier 11:10pm ITV News at Ten and Weather 11:45pm FIFA World Cup Qualifier 12:45am Grimefighters
Channel 4 5:00pm Deal or No Deal 6:00pm Gordon Ramsay’s Ultimate Cookery Course 6:30pm Come Dine with Me 7:00pm The Simpsons 7:30pm Hollyoaks 8:00pm Channel 4 News Includes sport and weather. 8:55pm 4thought.tv 9:00pm Double Your House for Half the Money 10:00pm One Born Every Minute 11:00pm Rude Tube 12:05am Random Acts 12:10am 9/11: The Miracle Survivor 1:10am Surfing Special 2:55am KOTV Boxing Weekly 3:20am Sailing
Channel 5 4:15pm A Sister’s Secret 6:00pm 5 News at 5 6:30pm Neighbours 7:00pm Home and Away 7:30pm 5 News 8:00pm Cowboy Builders 9:00pm Revealed 10:00pm Person of Interest 11:00pm CSI: Crime Scene Investigation 11:55pm CSI: Crime Scene Investigation 12:55am CSI: Miami 1:50am Super CasinO 4:55am HouseBusters 5:20am House Doctor 5:45am Michaela’s Wild Challenge
WEDNESDAY SEPTEMBER 12
BBC1 4:05pm Marrying Mum and Dad 4:35pm Splatalot 5:00pm Who Let the Dogs Out? 5:30pm 12 Again 6:00pm Newsround 6:15pm Pointless 7:00pm BBC News 7:30pm Regional News 8:00pm The One Show 9:00pm Watchdog 10:00pm Who Do You Think You Are? 11:00pm BBC News 11:25pm Regional News 11:35pm The National Lottery Wednesday Night Draws 11:45pm Not Going Out 12:15am Rosh Hashanah 12:45am The Human Stain
BBC2 4:00pm Wanted Down Under 4:45pm Helicopter Heroes 5:30pm Flog It! 6:15pm Put Your Money Where Your Mouth Is 7:00pm Eggheads 7:30pm Celebrity MasterChef 8:00pm Celebrity Antiques Road Trip 9:00pm Restoration Home 10:00pm Dead Good Job 11:00pm The Boss is Back 11:30pm Newsnight 12:20am Storyville 1:55am BBC News
ITV 4:00pm The Alan Titchmarsh Show 5:00pm My Tasty Travels with Lynda Bellingham 6:00pm The Chase 7:00pm Local News and Weather 7:30pm ITV News and Weather 8:00pm Emmerdale 8:30pm Coronation Street 9:00pm All Star Mr and Mrs 10:00pm Mrs Biggs 11:00pm ITV News at Ten and Weather 11:35pm Assassins 2:00am Jackpot247 4:00am Columbo
Channel 4 5:00pm Deal or No Deal 6:00pm Gordon Ramsay's Ultimate Cookery Course 6:30pm Come Dine with Me 7:00pm The Simpsons 7:30pm Hollyoaks 8:00pm Channel 4 News 8:55pm 4thought.tv 9:00pm River Cottage 10:00pm Grand Designs 11:00pm Shameless 12:10am 2 Broke Girls 12:40am New Girl
Channel 5 4:15pm The Hollywood Mom’s Mystery 6:00pm 5 News at 5 6:30pm Neighbours 7:00pm Home and Away 7:30pm 5 News 8:00pm Secret Interview 9:00pm Emergency Bikers 10:00pm Dallas 11:00pm Paddy and Sally’s Excellent Gypsy Adventure 12:00am True CSI 1:00am Cricket on 5 2:00am Super Casino 4:55am House Busters 5:20am House Doctor
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HEALTH & BEAUTY
6 - 12 September 2012 Mallorca
TOO LATE: By the time coughing and sneezing symptoms come about, the virus may have already been passed on.
Flu could be spread earlier than thought FLU may spread long before symptoms appear.
Doctors and nurses could unintentionally be infecting patients
Exercise helps risk of cancer EXERCISE can help cancer sufferers cut the risk of recurrence by half. For patients who have gone through breast or colon cancer treatment, regular exercise reduced recurrence of the disease by up to 50 per cent, the study, which is part of a series of investigations by the Mayo Clinic in Rochester (USA), found. An inactive lifestyle could hinder recovery. Despite these results, the study revealed that many patients are reluctant to make efforts to keep fit, considering their daily activities sufficient exercise.
after being exposed to the bug, even if they feel healthy. Office workers could be passing flu to colleagues before they have even coughed or sneezed. This is what a study in ferrets by Britain’s leading flu expert, Professor John Oxford of the Queen Mary School of Medicine in London suggests. The aim is to back the case for more healthcare workers to
be given the flu jab and later a universal vaccination programme. The ferrets were able to pass on the flu 24 hours after being infected with the virus, even though no symptoms were shown for another full day. The strain used in the study was the same one that caused the 2009 swine flu pandemic which reportedly killed almost 300,000 people worldwide.
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Mobile phones can affect sleep SLEEP problems can be caused by using an electronic gadget for just two hours before bed. Teens are particularily susceptible to the problem, researchers from the Lighting Research Centre at Rensselaer Polytechnic Institute in New York (USA) found. They believe the displays cause melatonin suppression. Melatonin is the chemical that controls the body clock. “Our study shows that a two-hour exposure to light from self-luminous electronic displays can suppress melatonin by about 22 per cent,” said Mariana Figueiro, associate professor at Rensselaer and director of the LRC’s Light and Health Programme. “Stimulating the human circadian system to this level may affect sleep in those using the devices prior to bedtime.”
BREAKTHROUGH: Early-stage sperm from human skin tissue could help thousands of infertile men.
Sperm from skin could help with infertility EARLY-STAGE sperm has been successfully made from human skin tissue.
Thousands of infertile men could be potentially helped by this
technique. Using sperm ‘grown’ from slivers of their skin could allow
BENEFITS: Good bacteria can keep one’s skin youthful.
Get the beauty bug essential for your skin and immune system
Self-luminous electronic displays can affect teens more.
THE good bacteria in one’s skin are essential for the immune system, just like it is for the gut. Upping them can also combat wrinkles, sagging and pigmentation, restoring your complexion’s youthful plumpness and glow, studies suggest. The beneficial bugs on
the surface of the skin work to maintain moisture and radiance and fight the bad bacteria which cause redness, sensitivity, spots and other infections. Good bacteria penetrate the deeper levels to repair skin DNA and build wrinkle-preventing collagen. This probiotic reduced
cellular damage by up to 50 per cent, irritation by up to 35 per cent and activated cellular renewal by up to 70 per cent in lab tests. Following these results many cosmetic companies are offering a host of ranges that contain ingredients to increase ‘beauty bacteria’.
them to father children genetically their own. It could also lead to a ‘miracle pill’ to treat infertility. American scientists used a cocktail of chemicals to wind back the ‘biological clock’ in skin cells, turning them into ones with the chameleon-like powers of embryonic stem cells. Critics argue it is wrong to meddle with the building blocks of life, warning of a future where babies are created entirely through artificial means. The technique is still many years away from use in clinics.
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FOOD
6 - 12 September 2012
Calvia rotary club charity walk THIS wonderful charity fundraising event has been held for almost 30 years, raising important funds for children’s associations. This year is no exception. The Rotary Club of Calvia is organising the walk in
collaboration with the town hall of Calvia and it is sponsored by Lloyds Bank, First Mallorca estate agents, Aroma Restaurant, Coca Cola, Minkner & Partners, Nice Price supermarket and Spectrum FM radio. Children of all ages from many of the local international schools designed hundreds of posters to publicise the walk in a competition organised by the Rotary Club. The winning poster was created by 14-year old Jaume Gonzalez Mas from Belver International
Mallorca
College and this has been selected and used as the poster for the walk. All the posters are on display in the Sala de Exposiciones at the town hall of Calvia this week. The walk will take place on Saturday September 29 starting at 10.30am from the Plaza Europa in El Toro. Registration is from
6 - 12 September 2012
FOOD
EWN 31 Mallorca
www.euroweeklynews.com
Left to right: Edward Ingram, Ingrid Franz, Ralph Arroyo (President) Kate Mentink, John Wardle, Jane Wardle of the Rotary Club of Calvia. 9am for either the 2km or 10km route. Tickets cost €10 for adults and €5 for children, including a refreshment following the walk. There will be market stalls, food, drink and a free concert organised by
Spectrum FM radio after the walk. Everyone is invited to join in and help raise funds for local children’s charities on Mallorca.
For more information call 606 368 445.
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32 EWN www.euroweeklynews.com CAN you hear it? If you listen very carefully, you can hear the collective sigh of relief from mothers across Spain; across most of the Western World, in fact. This week and next herald the start of the new school term and after some 11 weeks, not a moment too soon, may I add. There is nothing better than the company of my little ninja niñas, but two solid months plus is just de trop, demasiado, and zu viehl. One more bickering session over who gets the first pancake, the purple rather than pink cup or the really pretty Barbie and I will happily walk the plank of the nearest pirate vessel. This being our first year in Spain and the fact that our beloved, yet crazy dog now has separation anxiety, we decided to spend the summer here; the summer, the whole summer and nothing but the summer, your Honour. If there has been an upturn in the local economy, surely we must have done our part as the staunchest supporters of all things Spanish. A thank you letter from Mariano Rajoy would not be inappropriate. Not to mention all the foreign guests we have dragged halfway across the globe to do the same - but then I think I already did
6 - 12 September 2012
Back to school Expat Strife Swedish-born Ulrica is a freelance journalist living in Mallorca with her family. Her debut novel $Expat Wives is available on Amazon and iBooks.
ULRICA MARSHALL ulrica @euroweeklynews.com
(Holiday Hotel, EWN July 26 August 1). We actually only made it as far as Sóller, which in itself was no mean feat with a no air-con sauna of a car, but then I was most curious about the brand spanking new Jumeirah Beach Hotel. How would such a legend of a hotel fare in the land not typically known for its superior and attentive service? Pretty well, is the answer, though they still need to decide if they love or loathe children, with family facilities a bit patchy. There has certainly been enough to do here in Mallorca to keep us occupied: horse riding, boating, water parks and the beach during the day; spectacular shows such as Son Amar’s Pasíon and Pirates at night.
ME TIME: After more than two months of holidays we can be close to breaking point. It’s just that I can’t wait to get back to routine; humans are, after all, creatures of habit and a mélange of sloth,
servitude (donning more ‘hats’ than a milliner as chef, entertainer, cleaner and chauffeur) and sun alone is not
Mallorca enough and too much at the same time. So bring on the early starts, healthy salads rather than charred barbecues; time to blitz the now tractor-sized spare tyre in the gym, where they probably believe I have been abducted by aliens or emigrated (again) after such a long absence. Hallelujah to coffee mornings with the mummies before ticking off a few things on my to-do list, which now rivals the telephone directory in size and scope. Back to normality. Back to cooler days after such oppressive heat and back to burgundy, brown and black hues after months of pastels. More than January, I find the school start the most exciting time of the year; new projects and ideas abound; resolutions that you are more likely to stick with than in the bleak January lull. Heck, I may even go back to school myself after a summer sabbatical from my Spanish lessons - and enrol in another class. Maybe now is the time to take up BASE jumping or knitting? So, if you see me dropping off my little angels at the school gates this week, do excuse me if I don’t shed tears of sadness, and please overlook the odd impromptu cartwheel as I head off to an autumn of me, myself and I.
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For solutions: http://www.euroweeklynews.com/puzzle-answers.html
Time Out
Y our S tars
Just joking A Responsible Employee A man was interviewing for a job. The interviewer said, “In this job we need someone to take on a lot of responsibilities.”
There is a wonderful enthusiasm about you at the moment. Seeing the reaction of others to you, it occurs that you should have taken this attitude before. Therefore, make a
There will be a certain amount of discussion regarding holiday plans. You know what you want but how do you persuade others? It's quite easy really. All you have to do is to get someone else to suggest a certain place.
GEMINI (May 22 - June 21)
ARIES (March 21 - April 20)
You are so sharp that there is a danger you will cut yourself! Seriously, though, try not to appear pompous over a certain matter. You may be right and you may be clever, but smarty pants are rarely popular. Some of that sharpness gets things going for you in the love department.
Being totally inspired this week, you
SU DOKU
CANCER (June 22 - July 23)
HOW TO PLAY Fill the grid so that every row, every column and every 3X3 box contains the digits 1-9. There’s no maths involved. You solve the puzzle with reasoning and logic.
With everyone busy round you, the chance may be taken to show what you are capable of. Instead of watching someone make a pig's ear of a work project, offer to help. It's important, though, to let them think any bright ideas were theirs.
LAST WEEK’S SOLUTION
“I’m perfect for the position,” the man replied. “At my last job, every time anything went wrong, they said I was responsible.”
LEO (July 24 - August 23) A business partnership takes on a romantic tinge this week. It is possible that the other party sees this as more significant than you. To avoid problems later it would be best to let them do all the running.
Have you got a funny joke? jokes@euroweeklynews.com Include full name and town you live in.
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Saturday September 1
30
15
Saturday September 1
1
Saturday September 1
6
1
EURO MILLIONS
LA PRIMITIVA
EL GORDO DE LA PRIMITIVA
Friday August 31
Saturday September 1
Sunday September 2
16
36
39 49
41
15
9
19 23
30
BONUS BALL
THUNDERBALL
2
8
10
18
29
34
40
36
43
45
53
28
8
31
44
BONUS BALL
25
48 LUCKY STARS
7
11
arco, carl, cork, corm, cram, lark, marc, mark, marl, moor, okra, oral, orca, rack, roam, rock, rook, room, carol, carom, color, coral, croak, crook, macro, molar, moral, clamor, oarlock, CLOAKROOM
Word ladder
40 REINTEGRO
19
2
REINTEGRO
8
Very good: 23 Excellent: 28
LAST WEEK’S SOLUTION
31
33 18
TARGET: Average: 12 Good: 16
PUBS
LOTTERY UK NATIONAL UK IRISH LOTTO LOTTERY THUNDERBALL
Nonagram
AQUARIUS (January 21 - February 19)
Someone you mistrust offers to add to your celebrations. Why not call a truce? We both know that little long term will come out of it, but who cares? Sometimes, it is better to
TAURUS (April 21 - May 21)
Something new which you started in recent weeks becomes more than a passing interest. Although it may be surprising to you, it is owing to a predictable situation. In opening your mind, you also seem to have opened your heart. Many people do that at this time of the year and so you are not alone. Trusting is sometimes difficult but it must happen sometime.
BEER
Move from the start word (PUBS) to the end word (BEER) in the same number of steps as there are rungs on the Word Ladder. You must only change one letter at a time.
PUBS SUBS SUES SUER SEER BEER
SAGITTARIUS (November 23 - December 21)
PISCES (February 20 - March 20)
PUBS SUBS SUES SEES BEES BEER
As you are very much in the limelight, it comes as no great surprise that admiration comes your way. What may surprise you, however, is the direction it comes from. Who would have thought that such a situation would arise? Strange things happen sometimes. Treat life with humour and kindness and you will not go far wrong.
could be tempted to let enthusiasm run away with you. It is a lovely feeling, like being a child again. Be sure to have fun, but do keep as much money in your pocket as possible. With many demands at the moment, restrict your exuberance on finances.
1. SADZA (African porridge made of ground maize or millet),
CAPRICORN (December 22 - January 20)
Karlos Aguiñano Urkiola.
Born September 6, 1948 in Beasain Guipuzcoa, Karlos is a popular chef, cooking show host and television producer. His love for Basque cooking began at home as a child, when he would help his mother in the kitchen.
resolution to put more energy into everything that you do. The rewards are both social and financial. There is no great progress in love this week but patience is a virtue.
share one good moment with someone than none at all.
A last-minute invitation turns out to be just the ticket in more ways than one. An invitation to join a holiday may be proffered. This is unusual, certainly, but keep an open mind. Your company is clearly well appreciated so why not make that a point of pride? Let's face it, who is best equipped to blow your trumpet?
64
2. SACRUM (triangular bone in the lower back), 3. PISTOLET
SCORPIO (October 24 - November 22)
Asking too much of yourself is unrealistic. You need to pace yourself and make plans.
FLASHSTUDIO / SHUTTERSTOCK.COM
1. Aboriginal terms: bunyip, nulla-nulla, sadza, woomera 2. Abbey buildings: cellarium, cloisters, garth, sacrum 3. Aircraft: aileron, elevator, fuselage, pistolet 4. Alchemy terms: arcantum, azoth, elixir, tuatara 5. Alphabets and writing systems: cuneiform, Cyrillic, diptera, kanji 6. American Indian terms: axon, hogan, papoose, sachem 7. Angels: anaglyph, seraphim, thrones, virtues 8. Archaeology terms: dolmen, frond, menhir, stele 9. Architectural terms: Majlis, Norman, Regency, Rococo 10. Armour: babbit, fauld, gorget, greave
(old gold coin), 4. TUATARA (New Zealand lizard-like reptile),
Some legal matters need your attention. That's not really what you want at this time of the year. A decision has to be made and it needs a fine balance. Asking others may just confuse matters, so only seek expert advice. At the end of the day, you will know what is both best and acceptable.
IF ITʼS YOUR BIRTHDAY THIS WEEK:
Available from: http://itunes.apple. com/gb/book/holiday-lets-how-toget-started/id528277042?mt=11
Which of the following four words in the lists below is the cuckoo-inthe-nest?
5. DIPTERA (genus of two-winged insects), 6. AXON (long
LIBRA (September 24 - October 23)
holiday property. Written to advise and guide would-be holiday home landlords on setting up and marketing a holiday home, it takes you through the whole process in easy practical steps and offers useful advice and expert tips. As well as advice on buying and equipping the property,
Holiday lets: how to get started is the definitive guide to letting your
VIRGO (August 24 - September 23) Your outgoing attitude is spot on. Some may say you are a little crazy, the way you go for things. Each person has their own way and yours can be quite unique but that certainly does not make it wrong. People who make the world around us that little bit more colourful are gems. Let's hope that you will be more fully appreciated in this exciting week.
books@euroweeklynews.com
ODD ONE OUT
nerve fibre that conducts away from the cell body of the neu-
WITH self-catering holidays gaining in popularity, holiday let owners have never had it so good and more and more people are considering owning and letting a holiday home. And this summer many will be browsing estate agents’ windows while on holiday, thinking about how they can get a slice of this increasingly profitable pie.
it provides useful tips on marketing your holiday let through online advertising, managing guests and bookings and tax, insurance and financial matters. With case studies, handy templates and all the latest regulations, Holiday lets: how to get started gives you all you need for a successful holiday let.
ron), 7. ANAGLYPH object carved in low relief), 8. FROND
WITH Diane Keaton as the leading lady, Darling Companion is a comedydrama film that revolves around the life of a couple who lose their beloved dog at the same time their marriage is being put to test. Beth (Keaton) is the wife of an ambitious and work-absorbed doctor named Joseph (Kevin Kline), and while their marriage deteriorates Beth’s relationship with her pet ‘Freeway’ and her children is strengthened. However, shortly after their daughter’s wedding, Joseph loses Freeway while on a walk, giving their marital issues a chance to surface.
BOOKS
10-star quiz
(compound leaf of a fern, palm or cycad), 9. MAJLIS (Iranian
Darling Companion (2012)
parliament), 10. BABBIT (soft anti-friction alloy)
Holiday lets: how to get started
NEW ON DVD
How many English words of four letters or more can you make from the nine letters in our Nonagram puzzle? Each letter may be used only once (unless the letter appears twice). Each word MUST CONTAIN THE CENTRE LETTER (in this case G) and there must be AT LEAST ONE NINE LETTER WORD. Plurals, vulgarities or proper nouns are not allowed.
6 - 12 September 2012
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Mallorca
For more information about the sponsor go to www.lineadirecta.com
Sponsored by
Crosswords CRYPTIC
ENGLISH - SPANISH
Across 1 Small laboratory with our work (6) 5 Search for water to put out the fire, one hears (5) 8 Quote the Church of England about it (4) 9 Order ale, but at riot (8) 10 Manager is hesitant but is the exact opposite (10) 13 Look at old boy over in summerhouse (6) 14 Possibly buries gems (6) 16 Selfish lover giving flowers to saint (10) 19 More of us play a game of golf (8) 21 Originate from Thailand (4) 22 Started to damage the skating area and take in liquid (5) 23 Vet show on television (6) Down 2 Enthusiastic prima donna on the way up (4) 3 Stayed too long at the fare? (7) 4 Schedule is not altered by the revolutions (9) 5 Spot the bad back (3) 6 Earnest writer spotted in the wilderness (5) 7 Involved ideal networks (8)
The clues are mixed, some clues are in Spanish and some are in English. Across 1 Sorpresas (9) 5 Lights (not darkness) (5) 7 Milk (5) 9 Después de (5) 10 Delante (5) 11 Circus (entertainment) (5) 12 Nickname (5) 14 Margarina (9)
Co d e B r e a ke r 11 Dines in with sailors who are late (9) 12 Hiding a Para? No Iʼd be fearful (8) 15 However, Sonnyʼs partner is a killer (7) 17 The Queen is dogged by an American soldier when the fabulous bird returns (5) 18 Dreadful ride (4) 20 Article in fine wood (3)
LAST WEEK’S SOLUTIONS CRYPTIC - Across: 1 Clutch, 5 Mutiny, 8 Esau, 9 Turnover, 10 Oilstone, 11 Else, 12 Igloos, 14 Chumps, 16 Reap, 18 Sombrero, 20 Sure-fire, 21 Zinc, 22 Bedsit, 23 Straps. Down: 2 Lasting, 3 Truss, 4 Hotdogs, 5 Merge, 6 Thoreau, 7 Noels, 13 Orpheus, 14 Campers, 15 Parsnip, 17 Elude, 18 Swift, 19 Razor.
QUICK Across 7 Garden flower (6) 8 In a foreign country (6) 9 Hairless (4) 10 Particular (8) 11 Moorland shrub (7) 13 At no time (5) 15 Convey (5) 17 Last course (7) 20 Hair problem (5,3) 21 See 2 Down 22 Containing salt (6) 23 Not wide (6)
Down 1 Handle (6) 2/21A Best clothes (4,4) 3 Burrowing rodent (7) 4 Army trainee (5) 5 Running shoes (8) 6 Large gully (6) 12 Wonderful (8) 14 Marriage ceremony (7) 16 Earnest request (6) 18 Area (6) 19 Postpone (5) 21 Uncommon (4)
QUICK - Across: 1 Summons, 4 Topic, 7 Scald, 9 Retains, 10 Absolve, 11 Lotus, 12 Nickel, 14 Madras, 18 Brass, 20 Measles, 22 Actress, 23 Dense, 24 Stray, 25 Dead end. Down: 1 Sustain, 2 Means, 3 Shriek, 4 Total, 5 Painter, 6 Costs, 8 Delve, 13 Chapter, 15 Award, 16 Suspend, 17 Amused, 18 Boars, 19 Seedy, 21 Lunge. ENGLISH - SPANISH Across: 1 Fregadero, 5 Tired, 7 Cinta, 9 Suave, 10 Noise, 11 Latas, 12 Reeds, 14 Insurance. Down: 1 Fat, 2 Addresses, 3 Encontrar, 4 Brake, 6 Roast, 8 Naipe, 9 Salad, 13 See.
Funagram
Play on Words
1.Unscramble the name of a current top Formula One racing driver: NEAR LONDON SOFA
HOT HOT HANDEL HANDEL
B M U H T
B M U H T
Answers: Too hot to handle Thumbs up
2. Unscramble the name of a famous ITV sitcom that ran from1974 to 1978 (two words): MAP RIDINGS
Down 1 Sun (3) 2 Embalse (9) 3 Atrocity (9) 4 Pan (5) 6 To make an appointment with (5) 8 Sky (5) 9 Wide (street, river, trousers) (5) 13 Deber (dinero, explicación, respeto) (3)
Quote
LAST WEEK’S SOLUTION
Each number in the Code Breaker grid represents a different letter of the alphabet. In this week’s puzzle, 11 represents B and 2 represents Z, so fill in B every time the figure 11 appears and Z every time the figure 2 appears. Now, using your knowledge of the English language, work out which letters should go in the missing squares. As you discover the letters, fill in other squares with the same number in the main grid and the control grid.
Hexagram The purpose of the Hexagram puzzle is to place the 19 six-letter words into the 19 cells. The letters at the edges of interlocking cells MUST BE THE SAME. The letters in the words must be written CLOCKWISE. The word in cell 10 (RECALL) and one letter in four other cells are given as clues.
Adhere Bitten Crater Dearly Dwells Enters Hearts Medals Neatly Raised RECALL(10) Reeled Rested Sickly Stayed Steeds Treaty Weeded Welled
We are what we pretend to be, so we must be careful LAST WEEK’S SOLUTION about what we pretend to be. 1Island, 2 Shells, 3 Sender, 4 Billed, 5 Hinted, 6 Waters, 7 Felled, 8 Enters, 9 Kurt Vonnegut (1922-2007) was an Reeled, 10 Fender, 11 Elders, 12 Cheers, 13 Render, 14 Hopped, 15 Resent , 16 American writer and humanist intellectual. Barely, 17 Oceans, 18 Steady, 19 Spears
‘
FUNAGRAM SOLUTION 1. FERNANDO ALONSO 2. RISING DAMP
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For ten golden minutes all was happiness in the sun THE summer holidays are almost at an end. Parents all over the island are looking forward to breathing out and getting back to the old routine. Every year since La Gidg started school it has been a three month long struggle to juggle work and keep her entertained and even (fancy that) try to enjoy the summer myself. I’ve never managed to achieve all three at the same time. And as the heat increases, so my patience decreases exponentially. This year I promised myself, my husband and my little girl that things were going to be different. My strategy? To plan a lot of activities so there was no chance to get bored, and not to work in August. Has it worked? I would say we have an 80 per cent success rate.
Family Matters Vicki Mcleod
We have not had too many rows or moments where I thought I was going to explode with frustration and Gidg has actually wanted to go to her different activities. At the moment she is learning to sail at the yacht club in Port Andratx (a bit of a bargain at only €70 for two weeks of lessons) and is loving it. She went to Kip McGrath in Palma as well and had a great time with the other kids making 3D models of cities. We had a great barbecue at home and had lots of adults and children over for the day to eat, drink and play. And we even went on an actual holiday to visit
BBQ: A lovely sunny day in August was enjoyed. my mum in France, although my PC went with me.
One of the things I wonder about when Gidg and I do things together is
how much will she remember when she is older. I think about it a lot to be honest: will this be the thing that sticks in her mind, or will it be something banal to me I don’t realise is important to her. If I ask her, what is your first memory she replies telling me she remembers being born! But then her next memory is of turning four and her ‘Princess Party’, but it’s vague. I can clearly remember holidays and events from the summer when I was six years old, so I hope this summer has been special in more ways than one, I think this will be the first year she will properly recall when she is grown. This struck me as I was surrounded by children playing in my back garden at dusk at the end of a beautifully sunny August Sunday. The kids weren’t arguing, they weren’t
fighting over a Nintendo, they weren’t fixed to the goggle box, instead they were showing each other magic tricks and playing happily together. Their parents all looked on indulgently, with glasses of this or that in their hands, their bellies full from feasting on a successful barbie, smiling and sighing about how lovely everything was. It was perfect, before it all went wrong: somebody was accused of cheating or copying and half of them stomped off to watch a cartoon and the other half complained about things not being fair, the adults had to leap into action to break up the fight, but for that 10 golden minutes in the summer of 2012, everyone was happy. To read more from Vicki and to contact her visit www.familymattersmallor ca.com.
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Early autumn issues and coaching sessions Autumn talks and coaching AS said recently Dick is prepared to allocate a number of days to talks, question and answer sessions and coaching sessions in reader’s gardens during the autumn and next spring from Andalucia to Cataluña provided those requests a long way away can be grouped to make the travel involved more sensible. Already sessions in Malaga Province have been linked with sessions in Almeria and sessions in Castellon with others in Cataluña.
Gardening Corner
By Clodagh and Dick Handscombe
Spain’s best known gardening authors who have lived and gardened in Spain for 25 years. www.gardeninginspain.com
Falling palms Increasingly one is now hearing of more and more cases of palm trees falling and causing damage to properties, cars and people even when not yet affected by the palm weevil. So do check there is no movement of any palms you have, by having a couple of people put maximum pressure on the trunk from several angles while a third person checks for any movement from the vertical. Other palms have fallen because their trunks are seriously weakened by the hollowing out effects of fast munching weevil grubs.
Replacement and additional trees In spite of the crisis, councils have found monies for expanding the number of trees along streets and in public parks. Fortunately some councils require that other,
FUNDING: Some councils have expanded the number of trees in streets and parks. perhaps better looking trees are planted to replace felled pine trees. Provided we do get heavy autumn rains to raise the water table beneath gardens, consider planting some new trees for shade and aesthetic beauty in the late autumn, winter or early spring.
Allotments During the past year we have heard of increasing numbers of councils and private land owners developing areas of allotments for rent.
Driers Apologies, but Conasi where we purchased our driers have changed their email address from info @conasi.biz to info@conasi.eu. Running out of space so happy gardening. With regard to our books, on searching the internet we came across the internet bookshop of WHSmith, which is an alternative stockist to Amazon UK and Spain. (c) Clodagh and Dick Handscombe www.gardeninginspain.co m September 2012
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Nursing in Spain a misconception! O
NE of the more frequent questions that I get asked relates to nursing care in Spanish state hospitals. Invariably, people believe this does not exist or, if it does, that it is very restricted. At times, I have spoken to people who think that any nursing in a Spanish hospital has to be done by members of a patient’s family, who are also responsible for bringing food into the hospital. I am not certain where this misconception comes from but I suspect it may derive from the fact that numerous members of Spanish families are invariably present in a ward when a member of their family is ill. I suspect this may give the impression that they are there to nurse and actively care for the patient concerned. Certainly, one of the endearing traits to Spanish hospital care is the freedom to have visitors whenever you want (unless you are in intensive care) and for those visitors to stay overnight as they so desire. I say ‘endearing’ with some trepidation, as having a noisy family around the bed next to you when you are feeling grim is not always a pleasure! In any event, let me confirm that you do get proper nursing in a Spanish state hospital and, along with it, meals and everything else you need. In fact, the care is pretty much identical to what you would expect in a UK hospital. This is important to know – particularly if you are thinking of moving to Spain (or even coming here on holiday). In fact, most people that I know who have had to use state health care in Spain have been impressed by the efficiency and service that they have received.
Nursing care in a Spanish state hospital is pretty much identical to what you would expect in a UK hospital.
Nick Snelling Nick Snelling is the author of five books including ‘How to Buy Spanish property and Move to Spain – Safely!’ and runs the information site Culture Spain
On my part (in case you think I am writing from sheer hearsay!), I have personally tested everything from the local GP and his nurse right through to the ambulance service and intensive care. This was not, of course, so that I could write authoritatively on the subject of Spanish health care but because I had a nasty heart attack, whilst rock climbing a couple of years ago. As you can imagine, my heart attack resulted in an emergency pick up from a road side close to me (with all sirens blazing) and a rapid trip to A&E and then intensive care. There I stayed for a few days before going into a normal ward, followed by the extensive after-care that I have received ever since.
There are, of course, downsides to Spanish state health care and one of these (understandably) is that few medical staff can be relied upon to speak English. So, you can feel very vulnerable unless you speak Spanish, although even then you may find that your Spanish lacks the specific vocabulary to either understand or communicate properly. It is at times like this that you will almost certainly need a translator. However, I can honestly say that the treatment and nursing that I had in intensive care was nothing short of superb and was followed by more than adequate care when I was on the recovery ward.
So, worry not, if you have been worrying about the type of care that you would receive – and whether, if something awful happened, you would need your family nearby. Nick Snelling is the author of five books including ‘How to Buy Spanish property and Move to Spain – Safely!’ and runs the information site Culture Spain.
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QROPS and SIPP the way forward?
K
ENNEDY FINANCIAL SERVICES has over 25 years of experience in the Financial Services Industry. A pension transfer to a QROPS or SIPP may be the best move to make, in light of recent reports on the BBC website (go to http://www.bbc.co.uk/news/business19256658). Those of you who already have a SIPP may be liable to up to 55 per cent tax if you go back to the UK, this is not the case with a QROPS transfer. Did you miss out on the 100 per cent transfer? There are other schemes available that offer very good lump sums.
Some schemes offer good lump sums. Too many pension funds are based on equities which means that the value of
growth of your pension fund for your retirement. The UK pension fund as a whole is in a terrible state, which as a resident of Spain will affect your retirement. The deficit of the UKs final-salary pension schemes hit its second highest level on record in July, figures show. The Pension Protection Fund (PPF) said pension deficits reached £283bn at the end of the month, up from £267bn at the end of June. However, this was lower than the record level of £312bn in May. There were an estimated 5,418 schemes in deficit, with 1,014 in surplus, the PPF said. The finances of many schemes have deteriorated sharply because of the rising With prices starting at estimated cost of paying for just €2995 and IVA FREE, pensions. This was partly less does equal more. the result of a deterioration Therefore it makes so in the yield, or return, on much sense to protect your government bonds. loved ones by investing in To find out how this a guaranteed funeral plan may efffect you email from Iberian. admin@kennedyfinancial Visit www.iberian services.com or go to funeralplans.com or call http://www.kennedy on 952 491 788 (Malaga) financialservices.com/ and or 965 993 498 (Alicante). complete the assessment Also located in The UK, form, we operate under a Portugal, Canary Islands no obligation basis and no and Balearics. upfront fees are payable.
your pension rises and, more often than not, falls with the market. If you were to draw your pension when the market is down this could mean a loss in income terms of hundreds, if not thousands of pounds per annum. Example, at the start of the 90’s, a £100,000 pension fund would have guaranteed an income of £15,640 a year for life. Twenty years on, a 65-year-old man will secure just £5,140 a year. By moving your frozen pension benefits to a QROPS or SIPP there are alternative investments available that are non equity based and therefore will secure better
Advertising Feature
Funerals have just got more expensive
FROM September 1 the rate of IVA (VAT) charged by Funeral Directors rose from 8 per cent to 21 per cent, so an average funeral cost here in Spain will be in the region of €4,840. Why buy a Funeral Plan? With an Iberian Funeral Plan you fix the cost of the funeral at today’s price and it is fixed forever, irrespective of how much
funeral expenses rise in the future. The arrangements are put in place in advance, and are activated by just one phone call to our 24 hour English speaking bereavement telephone number. With guaranteed Plan prices starting from just €2995, do you need to look elsewhere for total peace of mind? When you deal with
Iberian you are dealing with The Company, NOT third party agents. Our competitors might not like it, but at Iberian we love to shout about our plans and our prices, just look at the facts • Iberian have the best plans and plan benefits at the best prices. • Iberian plans are the only genuine interest free plans if you wish to pay by instalments.
• Iberian do not charge you an additional administration fee. • Iberian do not have any deferred or final settlement payments at the end of the instalment term. • Iberian Funeral Plans are fully transferrable to the UK. • Iberian Funeral Plans cover you throughout the EU and can assist worldwide. Advertising Feature
LÍNEA DIRECTA
advises you how to act in case of an accident LÍNEA DIRECTA INSURANCE advises you of the steps to follow in case of a road accident in Spain. Call the emergency number: 112. They will co-ordinate the procedure and will ask you in detail about the circumstances of the accident. Remain calm at all times. Switch on the emergency lights and if the state of the vehicle permits, remove the vehicle from the road, in order to avoid delays and further accidents, as much as possible. Signal the accident location. Before stepping out of the car, put on your high-visibility jacket, which is compulsory,
and place the emergency triangles correctly. The first must be placed about 50 metres behind the car in the direction of the traffic, and the second about 100m. If someone is seriously injured, never try to move them, except if in danger of fire or imminent explosion. Cover the injured person, keep them calm and wait for the emergency services to arrive. If the circumstances of the location allow, always fill in the European accident report, which is an essential document for speeding up the procedures and handling between the insurance companies. If you have any doubt about how to do this, don’t hesitate to call your insurance company.
For more information, Call 902 123 104
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Looking at safety all round! Top rating for Volvo V40 T
HE all-new Volvo V40 has received the top rating of five stars in the Euro NCAP collision test. “We are very proud to have one of the world’s safest cars and we’re taking yet another important step TOP toward our 2020 CLASS: One of the world’s target - that nobody safest cars. should die or be seriously injured in a Volvo,” says Thomas Broberg, THE new Renault Clio has Senior Technical been awarded a five-star Advisor Safety at rating following passive Volvo Car tests carried out by Euro Corporation. NCAP. This result, which was The car also scored achieved in spite of a the best overall harshening of the result ever recorded independent body’s by the institute when procedures in January 2012, testing adult provides a further occupant protection, illustration of Renault’s child protection, passive safety expertise. pedestrian protection The New Clio attained a and safety assist. global score of 85 per cent – During the including the top ratings for development child protection, pedestrian period, the goal was protection and safety to build in the same equipment – which marks safety level as in an improvement over its larger cars. The predecessor. holistic approach, a The front end of the car strong structure was designed to minimise and systems such injury to pedestrians. The as the WHIPS bumper has no salient whiplash protection edges, while the lower part system form the of the windscreen, which is basis for the traditionally very rigid, was excellent result. designed to reduce the risk MINIMUM INJURY: The front end was designed with no salient edges. “We work of injury in an impact. continuously on Meanwhile, the height of Clio has emerged as the distance and less inertia in benefits from modern improving the the bonnet was raised in best car in its class in terms an impact. Therefore, New driving aids like advanced already high safety order to incorporate a of pedestrian protection. Clio boasts a weight saving navigation, voice commands level of our cars crumple zone between the In addition to contributing up to 100kg. For greater for cars equipped with the through ongoing structure and the to driving enjoyment, comfort, instruments have R-Link multimedia system, The Volvo V70. In tune with research says,” uppermost parts of the minimising weight also been designed to be clear the automation of tasks business needs. Thomas Broberg.today’s engine. Asusers’ a result, the New causes a shorter stopping and graphical. New Clio also such as headlight and
Euro NCAP give safety award to New Clio
windscreen wiper activation, plus rear parking sensors. Renault’s approach to safety is founded on a detailed study of actual accidents and real world safety with a view to proposing products that correspond with realities on the road, including the incorporation of safety equipment as standard from the first equipment level. Priorities consequently focus on the development of the most efficient technologies to prevent an accident happening, ensuring corrective action can be taken in unexpected situations and protect passengers when an impact does occur. Over the years, Renault has emerged as a benchmark for automotive safety and this is mirrored in the results its models have secured in media ratings.
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Team GB get off to a golden start at the Paralympics FOOTBALL – We’ll see action all over Europe (and the world) this coming weekend as several countries (the majority kicking off in the evening) get their respective 2014 World Cup qualifying campaigns under way -their goal, a place in Brazil in two years’ time. England, without Rooney, Carroll, Cole and Young, begin their Group H matches in Moldova, whom they’ve beaten twice before in WC qualifiers 3-0 (in Christinau) in September 1996 and 4-0 (at
SPORTS SCENE
Richard Whitehead.
By Tony Matthews
some cracking Group ties including Manchester City-Real Madrid, CelticBarcelona, ChelseaJuventus, Manchester United-Galatasaray and Arsenal-Schalke. The competition starts in earnest on September 18/19.
A former football player and the world’s most prolific author of football books (more than 100 published), Tony is also the sports reporter for Spectrum Radio and lives in the Cabrera mountains.
Wembley) 12 months later. In Group A, Wales welcome Belgium to Cardiff and Scotland entertain Serbia in Glasgow. The Republic of Ireland visit Kazakhstan in Group C, and Northern Ireland compete in Russia in Group F. For the record, last Friday in Monaco, Chelsea got thumped 4-1 by Athletic Bilbao in the European Super Cup, Falcao netting a treble for
the Spaniards. The Champions League draw has conjured up
PARALYMPICS – These Games are turning out to be better than the able-bodied Olympics with Team GB collecting gold medals galore. Swimmers Jessica-Jane Applegate (16) and Ellie Simmonds (17) both smashed records in winning gold… doubleamputee sprinter Richard Whitehead tore up the track… cyclist Sarah Storey roared round the velodrome… David Weir’s
wheelchair ignited in the 5,000m… Aled Davies whirled his discus… and dressage riders Natasha Baker (twice) and Sophie Christiansen sat proudly on their horses. With more gongs, silver and bronze medals to come, the tally of 102 secured in Beijing will be bettered, I’m sure.
Jose Maria Olazabal’s wild cards in his European Ryder Cup team. And looking ahead, inform Mojacar-based, Newcastle fan George Crichton from the Valle del Este Golf Society, could make Europe’s 2014 Ryder Cup team at Gleneagles, if his legs hold up!
CRICKET – England went 2-1 up in their 50over series with South Africa - and retained top ODI status - after Ian Bell inspired a six-wicket victory at Lords last Sunday. Meanwhile, Andrew Strauss has retired, allowing Alastair Cook to take over as Test captain. And this year’s CB40 final will feature Hampshire against Warwickshire. GOLF – Ian Poulter and Nicolas Colsaerts are
FORMULA ONE – After a crash, bang, wallop start, last Sunday’s Belgian Grand Prix at Spa was won by Jensen Button with Sebastian Vettel second and Kimi Raikkonen third.